TD Rewards Visa Card
Last updated:
No annual fee
Opens issuer website
Key Details
Annual Fee
$0
Network
visa
Credit Required
fair, good
Reward Type
points
Rewards Earn Rates
1x
Groceries
1x
Gas
1x
Dining
1x
Travel
1x
Everything Else
Highlights
- No annual fee
- 1 TD Reward point per $1 on all purchases
- Redeem for travel via Expedia for TD
- Good starter card
Pros & Cons
Pros
- + No annual fee
- + Simple 1x earn everywhere
- + Good starting point for TD product-switching
- + Low credit requirements
Cons
- – Only 1x earn rate
- – Points value is modest
- – No bonus categories
- – Better free options exist
Who Is This Card For?
The TD Rewards Visa Card is best suited for Canadians who prioritize no-fee, newcomers spending. With no annual fee, it's an excellent choice for anyone who wants rewards without ongoing costs.
Benefits Breakdown
Ways to Reduce the Annual Fee
- No fee to reduce
- Great stepping stone - product-switch to TD Aeroplan or First Class Travel after building credit history
Multi-Card Strategy
Placeholder card. Build credit for 6-12 months, then product-switch to a premium TD card without a new credit inquiry.
See full multi-card strategies →Is this card worth it for you?
Use our rewards estimator to see how much you'd earn based on your spending.
Frequently Asked Questions
Ready to Apply?
Visit the issuer's website to confirm current terms and apply.
Apply for TD Rewards Visa CardAffiliate link · Disclosure
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Sources
Last verified: 2026-03-01. Offers and terms can change. Always confirm details on the issuer's website before applying.