TD Canada Trust
Enjoy no annual fee and flexible TD Rewards Points on every purchase. Interest rates at 21.99% (purchases) and 22.99% (cash advances). Simple application and exclusive welcome bonus.
The TD Rewards Visa Card stands out for Canadians seeking value, offering no annual fee plus a flexible, versatile rewards program. You can earn TD Rewards Points on everyday spending, including groceries, dining out, transit, streaming, and travel. The card boasts an interest rate of 21.99% on purchases and 22.99% on cash advances. Canadian residents who have reached the age of majority in their province or territory can apply. A major highlight is the welcome bonus of 15,152 TD Rewards Points (worth $50 on Amazon.ca), awarded after $500 spend within your first 90 days.
How to Apply for the TD Rewards Visa Card
- Apply online for fast processing with an instant decision.
- Call TD’s credit card centre to speak directly with a specialist.
- Book an appointment at a TD branch for in-person help.
- Visit any TD branch to complete your application directly.
Principais vantagens
The TD Rewards Visa Card offers strong earn rates on everyday categories, such as 4 points per $1 on Expedia For TD travel bookings. Plus, there are no blackout dates or expiry on reward points as long as your account remains open and in good standing. Mobile device insurance up to $1,000 is included, adding extra value for those who rely on their smartphones.
The flexibility to redeem your points is another advantage, covering travel through Expedia, Starbucks perks, or purchases at Amazon.ca. There are also optional insurance add-ons and car rental discounts, making the card attractive for frequent travellers or daily spenders alike.
Possíveis desvantagens
While the card doesn’t have an annual fee, its interest rates are standard for rewards cards. Carrying a balance can negate the perks. The elevated earn rates in bonus categories have an annual spend cap, after which your points decrease to the base rate.
Additionally, the card may not be ideal if you prioritize travel insurance or exclusive travel perks provided by higher-tier cards. The lack of enhanced travel insurances may be a limitation for some frequent travellers.
Verdict: Is the TD Rewards Visa Card Right for You?
The TD Rewards Visa Card is an excellent fit for anyone looking for a no-annual-fee card with flexible redemption options and great earning potential, especially for those who want to maximize everyday spending. If you want a practical entry-level card that delivers real value without high annual costs, this is one worth considering.
