TD Rewards

Everything You Need To Know About TD Rewards in Canada

TD Rewards is a credit card loyalty program of TD Canada Trust, which is simple to understand, earn, and redeem in Canada. With the TD Rewards, you can earn loyalty points on your everyday purchases, and redeem the points to your ultimate capability whenever and however you want.

TD Rewards is a popular loyalty program of TD Canada Trust. The Toronto-Dominion Bank operates the TD Canada Trust as a commercial bank to offer financial services and products to over 10 million Canadians.

With each usage of the TD Credit Cards, you earn reward points that accumulate over time as a result of purchases made on the cards. These rewards can equally be redeemed for air travel, car rentals, gift certificates, hotel bookings, and other remarkable adventures.

How You Can Earn TD Reward Points in Canada

Whenever you make use of your Travel or Reward TD Credit Cards on the purchase or payments of anything that interests you, you earn points on the TD Rewards program. The majority of the points earned come from the different signup bonuses and spendings. TD Rewards and loyalty program has four personal credit cards. With these reward credit cards, you earn TD Reward Points. They are:

  1. The TD First Class Travel Visa Infinite Card.
  2. The Business Travel Visa Card.
  3. The TD Platinum Travel Visa Card.
  4. The TD Rewards Visa Card.

Types of TD Travel or Rewards Eligible Credit Cards

The TD Rewards program (formerly known as TD Travel Rewards program) earns you points on every purchase and more reward points for travel purchases and bookings on ExpediaForTD.com with your card.

The TD First Class Travel Visa Infinite Card

With this reward card, you earn up to 65,000 TD points (which is an equivalent of $325 travel value) for your travel purchases and bookings through ExpediaForTD.com. the breakdown of this is that you earn a welcome bonus of 20,000 TD points on your first purchase with your card, and up to a total of 45,00 TD points when you spend a minimum of $1000 per month for the first three months (15000 TD points per month).

Furthermore, you earn 3 TD points for every $1 you spend on purchase through your card, and 9 TD points on your online travel bookings through Expedia For TD. The unique feature of this credit card is that your TD points do not expire. There is a $5000 minimum credit limit on this credit card.

Eligibility

To be eligible for the TD First Class Travel Visa Infinite Card:

  • You must be a permanent Canadian resident.
  • You are of the age of majority in your province or territory of residence.
  • You have an annual personal income of at least $100,000.
  • A valid email.

The TD Business Travel Visa Card

This rewards credit card earns you up to 100,000 TD Rewards Points and up to $247 in annual fees rebate. When you book travels online through ExpediaForTD.com, you earn 9 TD reward points, and 6 TD Reward Points for every $1 you spend on foreign currency purchases, restaurant purchases, and other bill payments on your card. Also, you earn 2 TD Rewards Points for every $1 you spend on all other business purchases. There is a $1000 minimum credit limit on the business travel visa card.

Eligibility

To be eligible for the TD Business Travel Visa Card:

  • You must be a permanent Canadian resident.
  • You are of the age of majority in your province or territory of residence.

The TD Platinum Travel Visa Card

This credit card earns you up to 45,000 TD Rewards Points, which is a travel value of $225, that is, a 10,000 TD Rewards Points for the first three months when you spend a minimum of $500 per month, and a welcome bonus of 15000 TD Rewards Points for your first card purchase. You earn:

  • 3 TD Rewards Points for every $1 in grocery purchase.
  • 5 TD Rewards Points for every $1 when you book your online travels on ExpediaForTD.com
  • 2 TD Rewards Points for every $1 spent on all purchases.

Moreover, your TD Rewards Points never expire as a cardholder. There is also a $1000 minimum credit limit on the card.

Eligibility

To be eligible for the TD Platinum Travel Visa Card:

  • You must be a permanent Canadian resident.
  • You are of the age of majority in your province or territory of residence.

The TD Rewards Visa Card

With this credit card, you earn up to 10,000 TD Rewards Points, which is equivalent to a $25 gift card – that is, 2500 TD Rewards Points each for the first three months when you spend a minimum $250 per month, and a welcome bonus of 2500 TD Rewards Points on your first purchase with your card. Other features are:

  • 2 TD Rewards Points for every $1 spent on groceries, restaurants, and fast food purchases, as well as regular bill payments.
  • 3 TD Rewards Points for every $1 when you book your travel online through ExpediaForTD.com
  • 1 TD Rewards Points for every $1 spent on other purchases.

You are at liberty to use your TD Rewards Points on gift cards, merchandise, travels, or anything you want. Also, your TD Rewards Points do not expire as long as you are a cardholder. There is a $500 minimum credit limit on this credit card.

Eligibility

To be eligible for the TD Rewards Visa Card::

  • You must be a permanent Canadian resident.
  • You are of the age of majority in your province or territory of residence.

Value of TD Rewards Points

TD Points and TD Rewards Points are worth $0.005 each, which must be redeemed in a minimum 200-points increment for travel purchases on your card through Expedia For TD. Also, for travel purchases that are not booked through Expedia For TD, your TD Rewards Points must be redeemed in a minimum increment of 200 or 250 points. TD Rewards Points are charged at a value of $1 per 200 points. Hence, for every 10,000 TD Rewards Points, you will earn a $50 value.

Steps to Using Your TD Rewards Card

To get your TD Rewards credit card, simply apply online for any of the eligible reward cards and follow the simple process. Thereafter, follow these simple but detailed steps:

  1. Activate your TD Rewards Points eligible credit card by calling the number on the sticker of your new credit card. Don’t forget to sign your card.
  2. Register for easy web online banking or easy line telephone banking to access and manage your account online or by phone.
  3. Register at TDRewards to track your TD Rewards Points earned and how to redeem them.
  4. Set up regular recurring bill payments on your account through participating merchants, and earn TD Rewards Points for every $1 payment on your card.
  5. Add your card to Applepay if you have or use an iPhone for commercial payments, with just a tap of your phone.
  6. Alternatively, add your card to TD Mobile payment through the TD App if you use android.
  7. Update your eligible card as the primary card on your retail apps to earn more TD Rewards Points for purchases.

How to Redeem Your TD Rewards in Canada

The TD Rewards Program offers multiple options to redeem your points for whatever you want.

  1. Expedia For TD: Redeem your TD Rewards Points through ExpediaForTD.com, exclusive for travel and reward TD credit cardholders. You can redeem your TD Rewards Points for hotel bookings, packages, flights, and more.
  2. Book Any Way: With a travel or reward TD credit card, you can book your trip with any travel agency or website and enjoy the discounts on your travel expenses, including taxes within 90 days of your travel purchase. This includes car rentals, cruises, train tickets, bus fares, air travel, hotel stay and room services, resorts, theatre tickets, and more.
  3. Shop The Mall: Use your TD Rewards Points at checkouts to shop directly at participating online Shop The Mall retailers like Apple, Banana Republic, children’s place, Columbia sportswear, Reitmans, and others.
  4. Shop The Catalog: Redeem your points for a brand name merchandise including appliances, electronics, fashion accessories, luggage, and more.
  5. Gift Cards: You can redeem your points for various retail gift cards on groceries, gas, entertainment, and more.
  6. Redeem For Cash: You can also redeem your TD Rewards Points for cash credit to pay down your credit card balance.
  7. Redeem For Education: With the HighEdPoints program, you can redeem your TD Rewards Points to purchase education credits for tuition and student loans. There are over 100 participating institutions in the HighEd Points program.

Final Thought

TD Rewards Points can be earned through several channels, and you can equally redeem your points in diverse ways. Choose a TD Rewards credit card that suits your lifestyle, and enjoy the benefits.

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