Rewards card · TD
TD Rewards Visa Card
TD · Visa · rewards
Below is every rate the TD Rewards Visa Card earns, each one quoted from TD's own terms with the clause and the date we checked it. No annual fee to hold the card.
3 pts
Top rate
1 pt
Base rate
$0
Annual fee
2.5%
FX fee
Last updated Reviewed by
This card also earns a place on Verdict's best-of rankings for groceries, dining, transit, recurring and streaming.
Everything it earns
every rate quoted from TD's terms · annual fee shown separately, never netted3 pts
≈ 0.8% back
Groceriesverified Jul 2, 2026Read the clause
Verbatim clause from TD's terms
“Groceries, using public transit or a meal at a restaurant can earn you 3 TD Rewards Points on every dollar you spend.”
Cap $5,000 / yr
Read the source termsDiningverified Jul 2, 2026Read the clause
Verbatim clause from TD's terms
“Groceries, using public transit or a meal at a restaurant can earn you 3 TD Rewards Points on every dollar you spend.”
Cap $5,000 / yr
Read the source termsTransitverified Jul 2, 2026Read the clause
Verbatim clause from TD's terms
“Groceries, using public transit or a meal at a restaurant can earn you 3 TD Rewards Points on every dollar you spend.”
Cap $5,000 / yr
Read the source terms2 pts
≈ 0.5% back
Streamingverified Jul 2, 2026Read the clause
Verbatim clause from TD's terms
“You can also earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media.”
Cap $5,000 / yr
Read the source termsRecurringverified Jul 2, 2026Read the clause
Verbatim clause from TD's terms
“You earn 2 TD Rewards Points on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills (insurance, subscriptions, memberships, telecom) classified through the Visa network as "recurring payments".”
Cap $5,000 / yr
Read the source terms1 pt
≈ 0.3% back
Everything elseverified Jul 2, 2026
The everyday earn outside any bonus category, no cap
Annual fee
No annual fee to hold the card
$0
Foreign transaction fee
On purchases in a currency other than Canadian dollars
2.5%
How we verify
Every rate on this page is quoted from TD's current terms and dated the day we last checked it. When the terms change, the page regenerates. Reviewed by Spotted something off? or email us at
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