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SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

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Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

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Best ways to earn:

Best ways to redeem:.

TD Rewards Points are the primary currency touted by the largest bank in Canada, Toronto-Dominion Bank. TD Rewards are a proprietary currency, belonging solely to TD and tied exclusively to TD credit cards .

TD Rewards is a fixed-value points currency, meaning that points can be redeemed in a number of ways at a fixed value. TD Rewards Points are particularly useful to offset the cost of incidental travel purchases, such as independent hotels, short-term rentals, and vacations, to further minimize your out-of-pocket travel expenses.

Earning Points via Signup Bonuses

The only way to earn TD Rewards is from the bank itself, via its suite of personal TD Rewards-earning credit cards.

• The TD Rewards Visa* Card is the no-fee card, which typically comes with a small signup bonus.
• The TD Platinum Travel Visa* Card is the entry-level product among the TD Rewards cards. The card frequently puts on first-year annual fee rebate promotions along with a modest welcome bonus, which typically ranges between 15,000–50,000 TD Rewards Points.
• The TD First Class Travel® Visa Infinite* Card is the flagship TD Rewards product from TD. The card frequently offers first-year annual fee rebates, along with a sizeable welcome bonus of 20,000–135,000 TD Rewards Points.

Earning Points via Daily Spending

Beyond signup offers, you can earn TD Rewards Points through daily spending on the above credit cards. The earning rates are as follows:

• 4 TD Rewards Points† per dollar spent on eligible Expedia® for TD purchases†
• 3 TD Rewards Points† per dollar spent on eligible groceries and dining purchases†
• 2 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1 TD Rewards Point† per dollar spent on all other eligible purchases†
• 6 TD Rewards Points† per dollar spent on eligible Expedia® for TD†
• 4.5 TD Rewards Points† per dollar spent on eligible groceries and dining†
• 3 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1.5 TD Rewards Points† per dollar spent on all other eligible purchases†
• 8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD†
• 6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases†
• 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 2 TD Rewards Points† per dollar spent on all other eligible purchases†

Purely from an earning perspective, the TD First Class Travel® Visa Infinite* Card stands out as the strongest card.

This is especially true for anyone who books a significant component of their trips on Expedia, as you can earn an effective 4% return on your purchases.

Redeeming TD Rewards Points

The TD Rewards program offers various redemption possibilities, with different levels of value attached to each one.

Expedia® for TD

The best redemption value for TD Rewards comes by redeeming them on the dedicated redemption portal Expedia® for TD. By redeeming points this way, you’ll get 0.5 cents per point (cpp), which is the best way to use TD Rewards Points.

Expedia® for TD is essentially the same platform as the regular Expedia, except you log in with your TD credentials so you can redeem points.

Simply sign in to your TD Rewards account, click “Expedia for TD” under the “Redeem” tab, and then click through to the Expedia for TD portal.

As with regular Expedia purchases, you can book flights, hotels, car rentals, and other travel purchases. Importantly, Expedia also offers cruises, tours, and Disney tickets, among other things.

As these travel expenses are typically quite difficult to book with points, using TD Rewards Points at a fixed value of 0.5 cents per point is an excellent redemption opportunity, and could end up saving you a significant amount of cash out-of-pocket.

The minimum redemption is 200 points ($1), and you can choose to redeem your points in $50 increments. You’re able to make purchases in any combination of points and cash.

Once you’ve chosen your desired purchase on Expedia for TD, look for “Use your TD Points” on the checkout page. Just select the number of points you’d like to redeem at 0.5cpp, and then proceed with your purchase.

The credit posts in three to five days after the purchase, so be patient and keep an eye on your account.

If you’re using your TD Rewards Points on Expedia® For TD to redeem for hotels, or car rentals, the usual warnings of using an online travel agency apply.

You won’t earn any hotel status benefits or accrue elite qualifying nights at hotels. For car rentals, you won’t earn things like Hertz points or free rentals through National Free Days.

This doesn’t apply to airfare, though, as you’ll still accrue the same amount of elite qualifying miles, segments, and dollars. As long as you have your frequent flyer number attached to your booking or add it in at the check-in counter, your travel should count towards elite status qualification.

One major thing to note about using Expedia to book airfare is that any and all changes and cancellations must be pursued through the third-party booking agency, and can’t be done through the airline.

Book Any Way

The second-best way to redeem TD points is for non-Expedia travel, where you can redeem at a respectable 0.4 cents per point. The minimum redemption is 250 points ($1).

This ratio is maintained for the first $1,200 of a single travel purchase, and will be 0.5 cents per point (200 points = $1) thereafter.

Booking non-Expedia travel using TD points is called “Book Any Way Travel” and can be booked by using the TD Rewards website or by calling 1-800-983-8472.

Calling has a few distinct advantages, such as the ability to redeem your points for non-conventional travel items, such as gas, attractions, various hotel expenses, RV rentals, and even Airbnbs.

To redeem TD Rewards points through “Book Any Way Travel”, select “Book Any Way Travel” from the “Redeem” tab on the TD Rewards website.

On the next screen, fill in the information about the transaction against which you’d like to redeem points. Note that you can only redeem TD Rewards points for “Book Any Way Travel”  after the purchase has posted on your account.

You’ll need to note down the transaction date, its description, and the amount before proceeding. You can submit multiple transactions at once.

Higher Education

Using TD Rewards Points towards higher education is also a decent option, at a redemption value of 0.4 cents per point (250 points = $1). You’re able to use your TD Rewards Points to pay for tuition and/or student loans, in increments of $250 (62,500 points).

First, check if your institution participates on the TD website , and then you can buy HigherEdPoints Education Credits with your TD Rewards Points.

If you want to use your TD Rewards Points towards shopping expenses, you can redeem your points towards gift cards at a flat value of 0.25 cents per point (400 points = $1).

This is objectively a lower-value redemption than travel; however, as long as you’re redeeming points for higher value than your costs (which is usually the annual fee), you’re keeping cash in your pocket.

Gift Cards & Merchandise

There are sometimes discounts which offer gift cards for 25% off, so you can redeem at 0.33 cents per point. If you plan on redeeming TD Rewards for gift cards, it’s best to wait for one of these promotions prior to doing so.

The same value of 0.25 cents per point is offered for merchandise purchases, which are listed on the TD Rewards website . As with gift cards, there are sometimes sales where you can redeem for up to 0.3–0.4 cents per point.

As always, check if the item you’re redeeming for is on sale for a lower price on another platform to calculate your redemption value.

There’s also the option of redeeming TD Rewards Points at 0.33 cents per point through a partnership with Amazon.ca.

First, you’ll have to enroll by linking your TD Rewards-earning credit card with your Amazon account. Once you’ve done this, you can apply TD Rewards Points.

At the check-out page on Amazon, change the payment method to your linked TD Rewards credit card, where you’ll see the balance of points available. You can cover the rest of the purchase with your credit card.

Statement Credit

Finally, the last way to use your TD Rewards Points is to redeem for statement credit directly, also at a rate of 0.25 cents per point.

It sounds like the same rate as gift cards and merchandise, but keep in mind that those have occasional sales, while statement credits always remain at 0.25 cents per point.

This makes it the lowest-value way of redeeming your TD Rewards Points, and if you plan to use your points towards a statement credit, you’re better off with a cash back card .

Without a doubt, using Expedia® For TD at a rate of 0.5 cents per point (200 points = $1) is the best value redemption for TD Rewards Points.

For most travellers, this should suffice just fine, as Expedia offers tours, Disney park tickets, and a plethora of other travel possibilities aside from the usual flights, hotels, and car rentals.

TD Rewards Points are a great way to save money on miscellaneous travel expenses, and the regular high signup bonuses and respectable earning rates make it quite easy to rack up the points.

† Terms and conditions apply. Refer to the TD website for the most current information.

Hi, is it possible to sell my TD points to someone in exchange for cash? I am getting older and I doubt I will ever use it for travel. I have a lot of points. Any help would be appreciated. Thanks

Hi Judy. I don’t think TD points are transferable to other people, however you CAN redeem them for a cash (statement credit). You will get 0.25 cents per point, so for example if you have 100,000 TD points, that should be a credit of $250 . You may also be able to redeem them for non-travel rewards that will give you more value for your points. If you do decide on the statement credit, this can be done from TD Easyweb when viewing your TD Visa details. You might have to sign up or sign-in to ‘TD Rewards’ for the other options. Hope this helps!

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By Keph Senett on January 4, 2022 Estimated reading time: 6 minutes

Expedia For TD: How to maximize your TD travel rewards credit card

Book your flights, hotels and accommodation through the Expedia For TD travel portal to make the most of the travel rewards you earn with your TD Visa.

You’ve surely heard of travel site Expedia, and you’ve heard of TD Bank. But have you ever booked travel through the Expedia For TD website? The program, which marries the travel service with the banking brand, delivers substantial earnings and deals to travellers who book through their branded portal and pay with a TD credit card . Let’s take a look at how the program works, and how to reap the most rewards.

About Expedia For TD

Expedia For TD is a segment of the TD Rewards environment, so the “currency” you’re collecting is TD Rewards Points that can be redeemed for merchandise, gift cards, cash and, importantly, travel. Another major benefit of the TD travel program is that it’s flexible. It allows you to use your Points to book your flights, hotels, cruises and excursions directly with any provider you choose. You can use your Points for these purchases, even up to 90 days after the fact. (However, when you book through Expedia For TD, points must be redeemed at the time of purchase.)

When you log into Expedia For TD , you’ll see a TD-branded version of the Expedia site. Here, you can redeem your TD Rewards Points for flights, hotels, car rentals and more, but the real incentives come by way of redemption rate, flexibility and earnings. If you redeem through Expedia For TD, no matter what you book, your redemption rate is $0.005 per point.** This is better than the rate you’d get by cashing in on other non-travel rewards. Additionally, you can collect within the TD Rewards environment and outside of it simultaneously. So, when you use Points on purchases at Expedia For TD, you can still collect from your separate airline rewards program. Finally, using the portal assigns bonus points to TD credit cardholders, which can multiply—sometimes dramatically—the number of Points you earn on travel purchases. Conveniently, you don’t have to wait until you’ve racked up thousands of Points to redeem: you can start using your Points as soon as you’ve accumulated 200. There’s even a dedicated 24/7 support line to help you make your bookings.

Are there any drawbacks I should watch out for?

Expedia For TD advertises a price guarantee, but you should be aware that it is time-limited. The company will refund the difference on a flight and hotel package within 24 hours of booking, or a hotel rate up to 48 hours prior to check-in.

The best Expedia For TD credit cards in Canada

Td first class travel visa infinite card, td rewards visa card.

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

Expedia For TD is available to you if you hold any TD Rewards credit card, but the TD First Class Travel Visa Infinite Card gets our recommendation for its high earn rate and bonus points potential. The First Class Travel Visa Infinite Card also includes an excellent suite of travel insurance benefits including medical, trip interruption and automotive, and while it fails to offer airport lounge access, it does entitle you to a discount. However, these perks don’t come cheap. The First Class Travel Visa Infinite Card has a minimum annual income requirement of $60,000 and carries an annual fee of $139, though new applicants can have the first year fee rebated (along with the $50 fee for an additional cardholder).

While this is a solid travel rewards card , new applicants in particular will benefit greatly from the welcome bonus. TD clients with an All-Inclusive banking account may be able to get the $139 annual fee rebated on an ongoing basis, so it’s worth speaking with a representative before you sign up. Frequent travellers who are comfortable shopping through the ExpediaforTD.com portal will get the highest earn rate on travel spends and, at a return of 4.5% (8 points per $1) when redeemed for travel spends, the savings will be noticeable. The included insurance package can also help you save a bundle.

• Annual fee: $0
• Earn rates: 4 TD Rewards points per $1 spent on travel purchases made through Expedia for TD , 3 points per $1 on groceries and at restaurants, 2 points per $1 on recurring bill payments, and 1 point on all other purchases
• Welcome offer: You can earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no Annual Fee. Conditions Apply. Account must be approved by January 6, 2025.
• Recommended credit score: 660 or higher
• Interest rates: 19.99% on purchases, 22.99% on cash advances and 22.99% on balance transfers
• This offer is not available for residents of Quebec.

If you’re annual fee-averse, consider the TD Rewards Visa, which will help you bump up your TD Rewards Points by offering 4 points per $1 spent at Expedia For TD, 3 points per $1 spent on groceries and restaurants, 2 points per $1 spent on recurring bills, and 1 point per $1 everywhere else. Though not quite as generous in rewards as the other cards in this article, the 4 points: $1 ratio on travel purchases through the online portal results in a return far better than available on most other no-fee cards. This card does not include travel insurance, but it gives cardholders a discount at Avis and Budget car rentals.

Which card is the best option for me?

Every card in the TD Travel Rewards program is worth a look, but the best option will depend on you. If you want to avoid an annual fee you’ll benefit from the TD Rewards Visa, and if you’re willing to pay the $139 annual fee and the minimum income of $60,000 doesn’t disqualify you, the First Class Travel Visa Infinite Card is an effective way to cash in on the program. But the TD Platinum Travel Visa also does a good job with no income requirement and a lower annual fee. Choose the card that makes the most sense for you.

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About Keph Senett

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I am unable to reach Expedia for TD to cancel flights due to the Coronavirus. I have held on for many hours with music playing and with no music. Can you advise how to speak to customer service? I am currently out of the country (Canada) and just don’t know how to go about this if TD for Expedia 18772226492 are taking many hours of my holding on and not answering my call. I am aware there must be many people wanting to Angel their flights. This is my third day of trying to reach them

Cancel their flights

I waited on hold for six hours. When my call was answered, the representative was more than helpful. Hard to wait on hold, but worth the effort in these trying times.

The TD business travel is no longer same as first class They reduced to 3 points per dollar

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How to use TD Rewards points to reduce travel costs

by Anne Betts | Mar 21, 2024 | Travel Hacking | 5 comments

Updated March 21, 2024

Is the TD Rewards program worth it? How does the program work? What are the various ways to use TD Rewards points to reduce travel costs ? What qualifies as a travel cost?

After several years of earning and redeeming TD Rewards points for travel, I’ve found the program to be beneficial. Here is my review.

Table of Contents

What are TD Rewards Points?

Td rewards credit cards, td first class travel visa infinite card, what are td rewards worth, (i) expedia for td, (ii) book any way, what qualifies as book any way travel, (i) expedia for td, is the td first class travel visa infinite worth it, what i like, what i don’t like.

TD refers to the Toronto-Dominion Bank. TD’s propriety loyalty program is called TD Rewards. The rewards currency is TD Rewards Points. To improve readability, I’ll refer to the points as ‘TD Rewards.’

TD Rewards can’t be converted to any other loyalty currency, or transferred to another loyalty program. It used to be possible to convert TD Rewards to Aeroplan on a product switch to a TD Aeroplan-branded card at a rate of 4:1. However, since April 2019, this is no longer the case.

Points don’t expire as long as your TD Rewards-earning credit card account is in good standing. If you close your credit card account (and don’t have another TD Rewards-earning credit card), you’ll have 90 days to redeem any points left in the account. But, if you lose access to Expedia For TD, they’ll be redeemable at the lower ‘book any way’ value.

As a general rule, points in any in-house program should be redeemed or transferred to another credit card earning the same rewards currency before cancelling or product switching a card.

How to earn TD Rewards

TD Rewards can be earned from a credit card sign-up bonus, through everyday spend on the credit card, and the occasional promotion.

TD offers four credit cards earning TD Rewards:

• TD Platinum Travel Visa Card
• TD Rewards Visa Card
• TD Business Travel Visa Card

TD offers very few points-earning promotions.

The best way to stay abreast of these opportunities is via promotional emails from TD.

For travellers, the best of the three personal credit cards is the First Class Travel Visa Infinite, last overhauled on October 30, 2022.

TD offers promotions on the TD First Class Travel Visa Infinite  with elevated sign-up bonuses. For example a promotion ending March 4, 2024 included an annual fee waiver ($139) in the first year and a sign-up bonus of up to 135,000 points. The current promotion ending June 4, 2024 has a sign-up bonus of up to 100,000 points:

• 20,000 points after the first purchase
• 80000 points after spending $5,000 within 180 days of account opening

According to the terms and conditions, the offer isn’t available to customers who have activated and/or closed a TD First Class Travel Visa Infinite Account in the last 12 months. However, this may or may not be enforced. Also, a product switch from a lower-tier card may be eligible for the full promotional benefits.

The TD First Class Travel Visa Infinite also includes: 

• a birthday bonus of 10% of the points earned in the 12 months preceding the primary cardholder’s birthday (up to a maximum of 10,000 points) 
• an annual TD Travel Credit of $100 each calendar year on certain bookings (hotel, motel, lodging, vacation rental, or vacation package) of $500 or more at Expedia for TD in cash, points, or a combination of points and cash.
• a free Uber One membership for 12 months

The earning rate on the TD First Class Travel Visa Infinite is:

• 8 points per dollar for travel booked online or by phone at Expedia for TD
• 6 points per dollar spent on groceries and at restaurants
• 4 points per dollar on regular recurring payments
• 2 points per dollar on all other purchases

There’s a $25,000 cap on spending at the accelerated rates. After that threshold is reached, the earning rate decreases to the base rate of 2 points per dollar.

At first glance, the earning rate on the TD First Class Visa Infinite looks very attractive. That’s because many reward programs can be redeemed at one cent per point (e.g., 10,000 points = $100). With TD Rewards, the best possible redemption rate is 0.5 cents per point (e.g., 10,000 points = $50).

TD’s in-house travel portal is called Expedia For TD, operated by Expedia.

There are two ways to redeem TD Rewards for travel purchases:

• Expedia for TD
• ‘Book Any Way’

Each has a different redemption value.

For travel booked through Expedia For TD, points are valued at $0.05 (200 points = $1).

For the most part, Expedia for TD mirrors what’s available on Expedia. However, there are gaps in the inventory. Also, some folks have reported higher prices on Expedia for TD, compared to what’s posted on Expedia.

For what it’s worth, that hasn’t been my experience. For example, a search for a specific hotel in Halifax revealed the best price at Expedia when compared with other booking sites.

The (almost) same price for the same property appeared at Expedia for TD.

‘Book Any Way’ covers travel purchased from travel providers other than Expedia For TD. This allows you to book and redeem points for travel products that don’t appear on Expedia. This includes the option to book last-minute deals or discounted travel at prices that are cheaper than what’s listed at Expedia.

However, TD Rewards are valued at $0.04 (250 = $1) on the first $1,200 of a Book Any Way travel purchase. The value increases to $0.05 (200 = $1) for any amount that is over $1,200 on the same  purchase. This is useful for ‘big-ticket’ bookings such as vacation packages or apartment rentals.

Keep in mind that when purchasing from a provider other than Expedia For TD:

• you’re earning x2 TD Rewards Points (instead of x8 at Expedia for TD); and
• you’re redeeming at a lower value of $0.04 (instead of $0.05).

The program has a broad view of what qualifies as travel. Flights, accommodation, cruises, vacation packages (usual stuff) are eligible. Expenses such as theatre tickets, golf fees, resort excursions, restaurant bills, gasoline, taxi fares, and parking may qualify if they’re incurred while travelling.

How to redeem TD Rewards for travel

The most convenient way is to book online by signing in to TD Rewards, and entering the Expedia For TD portal to shop for travel.

When you’re ready to make a decision, one click takes you to your chosen travel product.

Another click takes you to the payment page with helpful pre-populated fields showing the name of the cardholder, credit card, TD Rewards account balance, and its monetary value.

Within moments, an email arrives from Expedia for TD with the booking confirmation and details.  

With the “use points” option, the entire travel purchase, including taxes and fees, will be charged to your credit card. But, because you used TD Rewards Points, you’ll receive a credit on your credit card statement within 5 days after the charge, equal to the number of points used.

For the best return, anything appearing at Expedia should be booked online through Expedia For TD and redeemed in this way. Another option is to book by telephone (at Expedia for TD). The points multiplier of x8 for using Expedia For TD will be earned on each booking. Travel purchases and their respective statement credits will appear as separate line items.

• Make a travel-related purchase using the credit card earning TD Rewards.
• Wait until the charge posts to your credit card account.
• Call TD Rewards within 90 days of the transaction date of the purchase, and ask to have points applied.
• The points will be deducted from your points balance available at the time the points are redeemed, not the transaction date of the purchase.
• The amount credited towards the purchase will be equal to the value of the points redeemed. If there are insufficient points available to cover the entire amount, the remaining cost will be posted on the account for payment.

Both redemption routes (Expedia For TD and Book Any Way) allow payment in any combination of points and cash.

Note: Travel usually delivers the best rate of return. However, TD Rewards can be redeemed for merchandise (at an average of 0.23 cents per point), gift cards (0.25), tuition, or paying down a student loan debt (0.4), or as a credit against your credit card account (0.25). These redemption values are shared with thanks to Credit Card Genius for their research and analysis.

If the following applies to you, I say YES :

• You purchase a considerable amount of travel through Expedia (for TD).
• You’re likely to make a single purchase of $500 or more at Expedia for TD to earn the annual travel credit of $100.

• You like the idea of offsetting a variety of travel costs with various rewards programs.
• You’re not loyal to any particular hotel brand and you use a variety of accommodation that’s bookable through Expedia (for TD).
• You’re able to tap into a fee waiver and decent sign-up bonus.
• You have a TD All-Inclusive Banking Package. This requires a minimum daily balance of $5,000 in your account. It entitles you to a $29.95 monthly fee rebate ($22.45 for seniors aged 60 or older). It includes an annual fee rebate of your choice of one of five select TD credit cards. The TD First Class Travel Visa Infinite is one of the cards. The rebate covers the fees for the primary cardholder and one supplementary cardholder.
• You can make use of the travel insurance benefits.
• You use Expedia sparingly. You don’t use it enough to justify paying the annual fee of $139 (beginning in the second year under a -first-year-free promotion).
• Most of your flights are award bookings using frequent flyer miles or points. When you do purchase a revenue ticket, you book flights directly with an airline because of better service in the event of booking irregularities, flight cancellations, and overbooked flights.
• You’re a member of one or more hotel loyalty programs. You book directly with the respective program to earn loyalty points, status credits, and other benefits.
• The other credit cards in your wallet have superior earning power on everyday-spend categories such as groceries, gas, transit, and dining, and/or earn flexible points that are convertible to other reward programs offering better redemption values.

Is the TD Rewards program worth it?

The TD Rewards program shouldn’t be viewed as a frequent flyer program but one where it’s possible to cut trip costs by redeeming points for miscellaneous travel expenses.   

For a personal credit card, I believe the best of the bunch is the TD First Class Travel Visa Infinite Card. What did I think of TD Rewards and the TD First Class Travel Visa Infinite Card?

• When used exclusively for travel bookings at Expedia for TD, the TD First Class Travel Visa Infinite Card offers an appealing return of 4%. Otherwise, a mixture of earn rates puts the return somewhere between 1% and 4%.
• For the most part, Expedia has a solid reputation. The company carries some weight in the travel world and could be a useful ally if things don’t go as planned with a small, independent tour operator. However, I’d never use Expedia for expensive long-haul flights. Overbooked flights, delays, cancellations, and other disruptions can put passengers in a zone where neither the airline nor the OTA (Online Travel Agency) will provide assistance.
• I like Expedia For TD’s large inventory of accommodation options, including hostels and apartments, at a variety of price points. I’ve also been impressed by the attractiveness of refundable bookings. For example, the same property at Booking might be refundable up to a month out, whereas at Expedia, it might be refundable up until the day before arrival. This limits reliance on trip cancellation insurance.
• TD’s recent overhaul of the TD First Class Travel Visa Infinite that included a $100 annual travel credit is a welcome benefit. It requires a purchase of $500 or more at Expedia for TD once in a calendar year (that is relatively easy to accomplish when booking accommodation). Triggering the credit requires no intervention on a cardholder’s part as as an email and secure message from TD arrives within 48 hours. This effectively reduces the annual fee of $139 to $39, a compelling reason to keep the card.

• There’s also the option to book tours and experiences. Other propriety programs (e.g., AMEX Travel) don’t offer a similar range and variety of travel products.
• I love the online system for booking travel at Expedia For TD, and redeeming points against the purchase. It involves inserting a minimal amount of information, and a few clicks to complete the process. Within seconds, the booking confirmation arrives by email.
• Anything appearing at Expedia for TD is bookable online from anywhere in the world. Expedia For TD’s online booking process is convenient, user-friendly, and efficient.
• The same applies to the online process for changing a reservation or using Expedia for TD’s Virtual Assistant to cancel refundable bookings. Sign in, select the booking, hit the cancel button, and receive notification that the refund will be sent within 48 hours.

• The range of travel expenses redeemable as Book any Way travel is impressive.
• With the accelerated earn rate of 6 points per dollar resulting in a 3% return on groceries and dining, I’ve appreciated having the TD First Class Travel Visa Infinite Card in my wallet at restaurants that don’t accept American Express (Cobalt and Scotiabank Gold cards that both earn x5 points on dining). 
• TD has a no-fee credit card (TD Rewards Visa Card) that earns TD Rewards. This presents an option to product switch from the TD First Class Travel Visa Infinite (or any other credit card earning TD Rewards) to protect your points and keep a TD Rewards account active.
• TD has a generous approach to product switches that encourage clients to try different credit card products. Some switches provide access to full promotional benefits. In addition, there are cases where clients have been able to hold more than one TD First Class Travel Visa Infinite Card at the same time.
• For credit card cancellations and product switches, TD offers prorated refunds of annual fees.
• The TD All-Inclusive Banking Package presents an option to obtain an annual fee rebate.
• TD’s EasyWeb account management system is efficient and user friendly. After product switching or applying for a new TD credit card, I’ve had the card, with the credit card number, appear in my account within a few hours. On a product switch, the ‘switched-from’ card can be used the following business day to earn points in the ‘switched-to’ card’s rewards program. This is handy to start working on the new card’s Minimum Spend Requirement without having to wait for the new card to arrive by mail.    
• There will be others who don’t agree but in my opinion, of the ‘big five,’ TD has the best customer service. For the most part, I’ve found Customer Service Representatives to be helpful, patient, and well informed. Those I’ve dealt with have been more than willing to follow up on requests, listen to, and consider, my interpretation of terms and conditions when it differs from theirs, and seek information from advisors and supervisors.
• To extract maximum value on travel purchases and redemptions, customers need to use Expedia For TD. When purchasing travel from other providers (at an earn rate of 2 points per dollar), and redeeming points using ‘Book any Way’ at the lower redemption value, each point is valued at only 0.8 cents (or 0.8% return).
• At the present time, the program doesn’t have a flight rewards chart where it could be possible, as with other reward programs, for members to extract greater value when redeeming points for flights. For example, the CIBC Rewards (Aventura) Flight Reward Chart offers the potential of a 2.2% return.
• For more information on the CIBC Rewards program, see When travelling the world on miles and points, is the CIBC Aventura program worth it?
• Expedia for TD’s Virtual Assistant works well on uncomplicated bookings such as obtaining a refund before the fully refundable date. However, in the case of complications, the Virtual Assistant is hopeless. For example, in Warsaw, the guide on a scooter tour was a no-show on the day of the tour (so it was past the refundable period) and trying to get the Virtual Assistant to retrieve the booking was impossible, despite inserting my answers to each question asked.    
• As a rewards currency, TD Rewards has limited value. It’s not convertible to any other program, and it has a fixed maximum value of $0.05 per point.
• While obtaining a fee rebate is an attractive proposition, doing so on a TD Aeroplan-branded credit card might make more sense for Aeroplan account holders. Aeroplan is capable of delivering much greater value than TD’s fixed-value system.
• I’m not fond of having two-tiered redemption values for travel purchases. Other in-house programs such as Scene+ make no distinction between travel booked through the program’s travel portal, and that from another provider. Redemption values are the same.
• For more information on the Scene+ program, see What’s the best use of Scene+ when travelling the world on miles and points?
• If a customer has two credit cards earning TD Rewards, it’s possible to merge the points into one account but it must be done by an agent. Unlike other programs such as RBC Avion, it can’t be done online. And disappointingly, fewer than 10,000 TD Rewards cannot be moved from one account to the other. 
• The TD First Class Travel Visa Infinite Card doesn’t stand out among its competitors. It’s competing with travel credit cards that offer lounge membership and complimentary passes, companion/buddy passes, NEXUS fee rebates, free checked baggage, concierge services, and no FX (foreign exchange) fees. However, as mentioned earlier, the annual $100 travel credit helps fill a much-needed gap in its attractiveness as a travel credit card.
• The insurance benefits are on par with other premium credit cards. Personally, I’ll never use them. For emergency medical insurance, an annual multi-trip plan from an insurer of my choice is a better fit for my age and travel style. The trip cancellation/interruption doesn’t apply because a covered trip is one where “the full cost has been charged to Your Account and/or using Your TD Points.” Like many other travellers, my trips are funded from a variety of sources using a mixture of miles, points, and cash.
• It’s both a blessing and a curse but I’ve been surprised by the types of charges flagged by TD’s fraud detection program. This results in a rejection of the charge and a freezing of my credit card until it’s sorted.

The fact that TD has hitched its rewards wagon to Expedia makes it an interesting proposition. I’m impressed with Expedia For TD’s online portal for booking and redeeming points for travel (and changing a reservation or cancelling via the Virtual Assistant), and the First Class Travel Visa Infinite’s x8 points multiplier on Expedia for TD bookings. For heavy Expedia users, it’s an attractive addition to a credit card portfolio.

I’ve been impressed by recent promotional offers with annual fee waivers and sign-up bonuses of up to 135,000 points. It demonstrates that TD is interested in attracting new customers. To keep them, TD could be more creative with additional travel benefits. Reinstating the option for cardholders to convert TD Rewards to Aeroplan would be a welcome start.

TD needs to increase the value of Book-any-Way redemptions, and introduce an online system for applying points against those purchases. While the Scene+ coding system for travel purchased from other providers isn’t perfect, their system is capable of presenting the vast majority of travel purchases to users for redeeming points online. TD needs to craft an online redemption system that’s as user-friendly as their booking system.

As a fixed value program, TD Rewards can’t match the value achievable with programs such as Aeroplan, British Airways’ Avios, and other frequent flyer programs. But, with the extensive inventory of travel products bookable at Expedia For TD, and the range of travel expenses redeemable as Book any Way travel, it can certainly occupy a very useful secondary corner of a diversified miles-and-points portfolio.  

If you found this post helpful, please share it by choosing one of the social media buttons. Also, what do you think of the TD Rewards program? Please add your thoughts in the comments. Thank you.

Might you be interested in my other miles-and-points posts?

• What’s the best use of Scene+ if travelling the world on miles and points
• When travelling the world on miles and points, is the CIBC Aventura program worth it? 
• Is a no-FOREX-fee credit card always the best choice for international travel?
• What is the best credit card for trip cancellation, trip interruption and flight delay insurance for trips on points?
• Lounge and flight review of United Airlines’ Polaris experience
• Why the Best Western loyalty program is good for travellers
• Is the BMO Air Miles World Elite MasterCard a good deal?
• Finding Aeroplan flights: a step-by-step guide
• Travel the world on miles and points by meeting Minimum Spend Requirements

Pin for later?

I’m curious if the prices are jacked a bit through the TD Expedia site. For example, I looked at the Park Lane Hotel in Manhattan. For a five night stay in a 1 Queen Bed City View room, , TD Rewards Expedia site said it would be $2222.97, all taxes, fees all in. Looking at the same room through hotels.com or Trivago, I got the same room, all in price of $1723.72/$1743 respectively. When I apply my current Rewards amount of $836 against the $2222.97, I’m left paying $1386.97, which is only around $336 less, even though I used $836! Is Expedia always more expensive? I looked at more than a few other hotels and they are all much cheaper on hotels.com and Trivago.

Thanks for dropping by. While I never experienced price differences between Expedia and Expedia For TD, some people have reported differences, both in inventory and prices. I’ve just done a search for a five-night stay at the Park Lane Hotel in Manhattan (October 12 to 17) and found the same price at Expedia, Hotels and Booking. I couldn’t access Expedia for TD as I no longer have a TD Rewards credit card. Each of the three sites showed a regular price of $466/$468 and a discounted price of $372 for a total price of $1860. It sounds as though Expedia for TD hasn’t adjusted the regular price yet. What I would do is call Expedia for TD and ask them to match the Expedia price (if that’s what you find for your dates on expedia.ca). Good luck!

Excelent article!

Can you clarify when you got the $100 credit? The “in a calendar year” part confuses me. If I booked accommodations via ExpediaForTD over $500 for the first time this year (March 2023), will I get the $100 travel credit right away? within this year? or Jan 2024?

Trackbacks/Pingbacks

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• Lounge and flight review of United Airlines’ Polaris experience - Packing Light Travel - […] Is the TD Rewards program worth it? […]
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• What is the best credit card with trip cancellation, trip interruption and flight delay insurance for trips on points - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Finding Aeroplan flights: a step-by-step guide - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Is the BMO Air Miles World Elite MasterCard a good deal? - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Is a no-FOREX-fee credit card always the best choice for international travel? - Packing Light Travel - […] Travelling the world on miles and points. Is the TD Rewards program worth it? […]

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• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 55,000 additional points when you spend $5,000 in the first 180 days
• Annual $100 travel credit (accommodations & vacation packages)
• Birthday bonus of up to 10,000 points
• Earn 8 points per $1 spent when you book on Expedia for TD
• Earn 6 points per $1 spent on groceries and dining
• Earn 4 points per $1 spent on recurring bills
• Earn 3 per $1 spent on all other purchases

The  TD First Class Travel Visa Infinite  is TD’s flagship credit card. It doesn’t earn you as many TD Rewards points as the TD Platinum Travel Visa card, but it’s arguably more popular. I suspect the reason it’s such a popular card is that you can get the annual fee waived every year if you have a TD All-inclusive plan. Even if you don’t have that plan, the annual fee for the first year is usually free.

The standard welcome bonus for cardholders is typically worth 20,000 points, but TD often runs promotions where you can earn an additional 40,000 – 80,000 TD Rewards points as long as you meet their minimum spend requirement. Since one TD Reward point is worth 0.5 cents each, that’s $500 in value you’re getting if the welcome bonus is worth up to 100,000 points. It’s definitely worth monitoring the current TD First Class Travel Visa Infinite offer as they can sometimes be incredibly valuable.

It’s worth mentioning that the TD First Class Travel Visa Infinite Card is one of the eligible TD credit cards that can earn you Starbucks Rewards partnership. All you need to do is login to your TD app, tap My TD Rewards, the select Starbucks from the partners list.

If you prefer a card with no annual fee, there’s the  TD Rewards Visa Card . It earns you 2 TD Rewards Points for every $1 in grocery purchases, restaurant & fast food purchases.

Final thoughts 

Despite the lack of redemption options with your points, TD Rewards is still a decent travel loyalty program. Points are easy to accumulate and are easy to use with no blackout dates. Without any transfer partners, TD will always be one of the less popular bank loyalty programs. Many consumers want options. Being partnered with Expedia is great, but giving consumers less value when they book their own travel is a bit ridiculous. Oddly enough, the TD mobile app doesn’t connect you right to Expedia for TD.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

We redeemed ours for Home Depot gift cards and got $175 off a Weber BBQ and now husband just got the card and we will book our interisland Hawaii flights with the bonus points. Straightforward program and easy to use.

Gift cards are such a low value, I’m surprised you guys used your points for that.

Great review Barry. However, I consider the combination of the Scotia Passport Visa Infinite and Scotia’s rewards program far superior because of the absence of foreign transaction fees. I think that’s paramount when selecting a travel rewards card (and its associated rewards program) because you are obviously interested in travel and presumably some portion of your travel is outside of Canada. If you’re retired like we are and spend a good portion of your year outside the country, those 2.5% (or higher) fees add up quickly and can dwarf the $100-$200 in annual card fees. The bottom line is everyone should run the numbers based on their own spending patterns to determine which card and rewards program will deliver the best value. In our case, it wasn’t even close.

In my ranking of all the programs, I have TD at #6 and Scotia at #3 so I agree with your assessment. Although TD doesn’t have a card with no forex fees, there are many cards without an annual fee and with no froex fees so I don’t consider that a major deal-breaker.

Hi Barry, I agree that it shouldn’t be a must-have “deal-breaker.” But I do believe forex fees is something people should definitely be taking into account when estimating total return value and comparing travel cards and travel rewards programs. For some who only spend two weeks outside Canada every year, it won’t make a big difference, but they shouldn’t ignore it.

I really love your articles.

Like Mike said, there are programs out there that are better than this for a lot of people. Really read the small print before choosing. I completely agree on that foreign exchange thing. It’s got me really looking at the Amazon credit card for Canada right now because TD is really biting me on that.

I’d love to see you write a piece comparing the travel dollar values of these ‘point collection programs’ (for example: td versus scotia versus pc).

Although maybe you have and I just haven’t found that article yet.

Although I haven’t compared any programs head to head, I do have reviews for almost every individual program. I also have a general article ranking all of the programs.

https://www.moneywehave.com/canadas-bank-travel-rewards-programs-ranked/

[…] TD Rewards is a good program and I recommend it to anyone who wants an easy program to understand. However, TD Rewards still ranks low compared to others for a few reasons. Although you can redeem 200 points for $1 off ExpediaForTD, you need 250 points for $1 when using the Book Any Way feature which decreases the value of your points. […]

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Expedia for TD Review: What You Need to Know

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Put TD Rewards points to work through the Expedia for TD platform, an Expedia portal exclusively for TD credit cardholders that offers the highest redemption value possible for hard-earned TD points.

How does Expedia for TD work?

Is it worth getting expedia for td.

• How to earn TD rewards

How much are TD Rewards points worth?

How to redeem your points on expedia for td, does expedia for td price match, how to log in to expedia for td, pros and cons of expedia for td.

Expedia for TD is an Expedia platform for TD Bank credit cardholders.

TD cardmembers log into the Expedia for TD platform to browse travel deals and redemption options, which include vacation packages, accommodations, exclusive deals and more. TD points are worth more when redeemed through the Expedia for TD platform. Purchasing travel through the platform with a TD credit card earns accelerated TD points.

Expedia.ca vs. Expedia for TD

Expedia.ca is an online travel agency that can be used to book airfare, cruises, hotel accommodations, car rentals and more. 

Expedia for TD is an Expedia platform exclusively for customers with credit cards that earn TD Rewards. TD cardholders who earn cash back or Aeroplan points with their cards can’t access the platform.

Other notable differences between Expedia for TD and Expedia.ca? The former offers accelerated TD Rewards points for money spent on travel purchases through Expedia for TD and a dedicated support team for TD customers, while the latter does not. 

Outside this, Expedia for TD is not unlike its parent platform, Expedia.ca. Cardholders can browse and book flights, hotel stays, car rentals, cruise tickets and more.

TD Rewards points are most valuable when redeemed through Expedia for TD. The platform, accessed at expediafortd.com, also offers an accelerated earn rate of up to 9 TD Rewards points per $1 spent on travel bookings. 

Additional Expedia for TD perks include its price-matching policy on hotels and travel packages and dedicated 24-hour customer support. There are a couple of drawbacks, though. The platform is only for TD credit cardholders who earn TD Rewards points. Plus, there are limitations to Expedia for TD’s price matching — time restrictions apply, and refunds are only issued on flight and hotel packages.

How to earn TD rewards 

Some TD credit cards earn TD Rewards points. Earn rates vary.

TD credit cards that earn TD rewards

The following TD credit cards earn TD Rewards points:

• TD Rewards Visa Card. 
• TD Platinum Travel Visa Card.
• TD First Class Travel Visa Infinite Card.
• TD Business Travel Visa Card. 

For those interested in earning the most TD Rewards Points per dollar, the TD First Class Travel Visa Infinite Card and the TD Business Travel Visa Card carry the highest earn rates. This makes them the best cards for individuals and businesses, respectively.

TD credit cardholders will get the most bang for their buck by redeeming their TD Rewards points through Expedia for TD.

Expect to get around 0.25 to 0.5 cents per TD Rewards point, according to NerdWallet analysis.

The value of TD Rewards points varies depending on the redemption method, but TD Rewards points are at their most valuable when used to redeem travel offers through the Expedia for TD portal. Cardholders can expect to get 0.5 cents per TD Rewards point for travel purchases made through Expedia for TD. 

Cardholders must have at least 200 TD Rewards Points — worth $1 — to make a redemption through the Expedia for TD portal. 

To redeem your TD points on the Expedia for TD platform:

• Register your TD Rewards account on TD’s website. 
• Log into Expedia for TD with your username and password. 
• Find the travel offer you’d like to purchase. 
• Book your offer through the online Expedia for TD portal or by phone.
• Redeem your TD Rewards Points when you book.

Expedia for TD redemption options

The Expedia for TD booking portal offers numerous redemption options: 

• Car rentals.
• All-inclusive vacations.
• Train travel.

How to maximize TD Rewards points

Even if your TD points don’t entirely cover the cost of your booking through the Expedia for TD portal, paying the difference with your TD credit card earns you accelerated points — which gets you closer to another free or discounted travel experience.

Let’s say you book a $500 Air Canada round-trip flight to the Dominican Republic through the Expedia for TD portal. You use 50,000 TD Rewards points towards the booking. This reduces the cost of your trip by $250. You put the outstanding $250 balance on your TD credit card.

Since you can earn up to 9 TD Rewards points for $1 spent through the Expedia for TD portal, the $250 you put on your TD credit card earns you 2,250 TD Rewards Points — which is a value of $11.25 back in your pocket. 

Looking for a travel rewards credit card?

We compared the best options in Canada.

Yes. Customers can take advantage of price matching through the Expedia for TD portal — also called Expedia’s Price Guarantee.

How does price matching work?

Expedia will refund the difference if you find cheaper travel packages or accommodations after booking through the Expedia for TD portal. But there are two important caveats. Expedia will only issue a refund if you find:

• A less expensive flight and hotel package within 24 hours of booking. 
• A cheaper hotel rate up to 48 hours before check-in.   

Pros and cons of Expedia for TD price matching

• Get refunded the difference between your booking and a cheaper travel deal.
• Limited to hotel stays and flight and hotel packages.
• Time restrictions apply. 

Once you’ve registered your TD Rewards account on TD’s website, you can log in to Expedia for TD from:

• tdrewards.com.
• expediafortd.com.

Expedia for TD customer service 

Expedia for TD has a dedicated support team for TD credit cardholders. The team can be reached by phone at 1-877-222-6492 24 hours a day. 

3 tips for using Expedia for TD

Make the most of your TD Rewards points and the Expedia for TD platform with the following tips:

1. Book through Expedia for TD instead of TD’s “Book Any Way.”

Your TD Rewards points are worth 0.5 cents per point when redeemed for travel purchases booked through Expedia for TD. You can also book travel experiences through third-party travel websites and agencies — what TD calls its “Book Any Way” redemption option — but your points won’t go as far. Expect to receive 0.4 cents per point for the first $1,200 of any Book Any Way travel redemption request, and 0.5 cents per point for any amount over $1,200 for the same Book Any Way travel redemption.

2. Use your TD credit card to cover outstanding expenses from Expedia for TD bookings.

You’ll earn TD Rewards points at an accelerated rate when you use your TD credit card to cover outstanding expenses on the Expedia for TD platform. Different cards earn points at different rates:

• TD Rewards Visa earns 4 TD points for every $1 spent on travel purchases through the platform. 
• TD Platinum Travel Visa earns 6 TD points for every $1 spent on travel purchases through the platform.
• TD First Class Travel Visa Infinite earns 8 TD points for every $1 spent on travel purchases through the platform.
• TD Business Travel Visa earns 9 TD points for every $1 spent on travel purchases booked online and 6 TD points for every $1 spent on travel purchases booked by phone through the platform.

3. Don’t wait to shop around.

Expedia for TD will only honour its price-matching policy under specific circumstances. If you’ve booked a flight and hotel package, you have just 24 hours to submit a refund request to Expedia for TD if you find a cheaper package. Hotel bookings have a more generous timeframe: Expedia for TD will issue a price-matching refund up to 48 hours before check-in.

• Redeem TD Rewards points for flights, hotel stays, car rentals, cruise tickets and more. 
• Earn up to 9 TD Rewards points for every $1 spent on travel purchases through Expedia for TD.
• Receive an annual $100 travel credit when booking through Expedia For TD. (Limited to TD First Class Travel Visa Infinite Cardholders).
• Take advantage of Expedia’s price-matching policy to secure the lowest rates for hotels and hotel/flight packages.
• Dedicated Expedia For TD support team available 24 hours a day.
• Limited to TD credit cardholders who earn TD Rewards. 
• Price matching limitations apply.

Frequently asked questions about Expedia for TD

TD points never expire so long as you remain a TD cardholder with an account in good standing. If you don’t earn or redeem any TD Rewards points for at least one year, your account will be deemed inactive. At this time, TD may close your account and offer you the opportunity to redeem your TD Rewards points by a specified date.

There’s no cost associated with accessing the Expedia for TD platform. The travel package options on Expedia for TD are no different than those offered on Expedia.ca, but only certain TD credit cardholders can gain access to it.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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How to Choose a Travel Credit Card

With so many cards, rewards programs and benefits available, choosing the right travel credit card can be overwhelming. However, once you’ve got one in your wallet, you can reap the rewards on your next trip.

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Domestic Deals

From British Columbia to Newfoundland, find your perfect Canadian hotel on Expedia For TD. Browse thousands of hotels today!

Sign-in using your existing TD online banking credentials.

Stay flexible with free cancellation

Enjoy booking flexibility and filter your search by free cancellation when booking a stay in case your plans change.

Why is it important to have travel flexibility?

At Expedia For TD, we don't want customers to be left without options. It's important to us that customers are able to change their plans. Situations around the world change quickly, and sometimes that means postponing or changing our travel plans. As long as you make sure that you book with the option of free cancellation, you'll be protecting your wallet. To learn more about our policies, visit our Customer service portal .

Cleaning and Safety Practices

Explore a property’s amenities when booking your next stay to see the enhanced cleanliness , social distancing and safety measures & precautions the property is taking to ensure your health & safety.   

Why Book with Expedia For TD

Terms and Conditions: 

1 Hotel offers are only available at participating Expedia For TD Special Rate hotels and may vary by length of stay. Please see specific details for each of the properties listed above by clicking the hotel of interest. Search with your preferred travel dates to view the discounted rates applicable for your stay. The hotel discounts advertised on this promotion page apply to selected properties only and all rates are subject to availability. The discounted property rates can also be accessed via searching on the homepage. Prices are per double-room including all taxes and fees. Offers are subject to availability and may be discontinued without notice. Additional restrictions may apply. Subject to supplier availability.

2 TD First Class Travel Visa Infinite Cardholders earn 8 TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Travel Visa Cardholders earn 6 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Visa Cardholders earn 4 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Visa Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 TD Points and TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points and TD Rewards Points must be redeemed in minimum increments of 200 or 250-points as fully explained in the Cardholder Agreement and Benefit Coverages Guide for your Card. We can decrease the required minimum point redemption increment at any time.

4 Expedia's Price Guarantee applies to hotel bookings made via the ExpediaForTD.com website or by telephone via Expedia For TD's call centre and are pre-paid to Expedia For TD at the time of booking. To take advantage of Expedia’s Best Price Guarantee, you must submit a claim online at Expedia For TD within the eligibility period of booking. The claim will be reviewed and in the unlikely event that you find a lower price (including all applicable taxes and fees) for the same booking on Expedia For TD or on a Canadian-based website within the eligibility period of booking with ExpediaForTD.com, Expedia will credit or refund to you the difference. For the full Terms and Conditions of Expedia's Price Guarantee, visit https://www.expediafortd.com/price/guarantee/info .

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TD Travel Credit Cards in Canada

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TD First Class Travel® Visa Infinite* Card

• Annual Fee $139
• Interest: Purchases 20.99%
• Interest: Cash Advances 22.99%
• Additional Cardholder 2 $50

$50  for the first Additional Cardholder; $0  for subsequent Additional Cardholders.

• $60,000 personal or $100,000 household annual income.
• You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to  $700  in value 18 , including up to 75,000 TD Rewards Points, no Annual Fee for the first year 1  and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
• Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards Points 22 .
• Get an annual TD Travel Credit 23  of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year 1 .  

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.

At a glance

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Your Card also allows you to enjoy:

• An annual TD Travel Credit  23  of $100 when you book at Expedia ®  For TD.
• TD Rewards Birthday bonus 22  to celebrate your special day.
• An extensive suite of travel insurance coverages which helps you travel prepared.
• No travel blackouts 5 , no seat restrictions 5  and no expiry 25  for your TD Rewards Points as long as your account is open and in good standing.

Award winning TD Credit Card

Chosen as Best Credit Card for Travel Insurance by Prince of Travel in 2023 #1

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21  plus earn an annual  Birthday Bonus 22  of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Redeem your TD Rewards Points how you want, for what you want 

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

• Go Places on Points Your Points are worth more when you redeem through Expedia® For TD:  Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3  your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 :  You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Financial Rewards Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

Explore the travel benefits and insurance coverages included with your Card:

• $100 TD Travel Credit 23 Each year, you will receive one  $100.00  TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Common Carrier Travel Accident Insurance 10 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
• Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
• Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our  Credit Card Travel Insurance Verification Tool .
• Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the  Benefit Coverages Guide  for more details.

Additional Benefits & Features

• TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply.  Learn more .
• Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14  in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14  internationally, on qualifying car rentals at participating Avis and Budget locations.
• Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted -  These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

• Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
• Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
• Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
• Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
• Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ®  Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
• Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
• Chip & PIN technology: TD  Visa *  Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
• Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
• Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
• Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa  Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile.  Learn more .
• Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card.  Learn more .

Optional Benefits

• Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call  1-866-315-9069  or visit  tdcanadatrust.com/BP .
• Option to purchase TD Auto Club Membership 16  and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ®  for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite *  Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of June 4, 2024 unless otherwise indicated and subject to change.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
• Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
• Additional Bonus of 55,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $275);

2  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4  The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5  Subject to carrier/space availability.

6  Expedia For TD is operated by Expedia, Inc. at  ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

7  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

13  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

15  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16  TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

20  Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”).  $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.  Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21  Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

22  The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23  In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25  TD Reward Points do not expire as long as you are a Cardholder.

26  The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27  You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to  complete terms and conditions , including third-party suppliers’ terms and conditions. The  Visa Infinite privacy policy  applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

#1 Awarded on December 29, 2023, by Prince of Travel. Learn more by visiting: https://www.princeoftravel.com/about/winners-of-the-2023-prince-of-travel-awards/

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively  “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.

How do travel credit cards work?

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• • Credit cards
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Key takeaways

• A travel credit card offers points or miles for the purchases you make with the card that you can redeem for future travel.
• Travel credit cards come in all shapes and sizes, from co-branded hotel or airline cards to general travel cards that allow points and miles transfers to partner brands.
• In terms of redemption, you'll typically get the most value by redeeming toward travel in your issuer's portal or by transferring rewards to hotel and airline loyalty programs.
• Before applying for a travel card, consider its fees, ongoing rewards structure and first-year welcome bonus opportunity.

Travel credit cards make it easy to earn rewards — usually offered in the form of points or miles — for certain types of purchases. You can typically redeem your travel rewards for the big expenses associated with your next trip such as flights, hotels, car rentals and vacation packages. Some issuers also let you redeem travel rewards for statement credits and other non-travel options.

Some travel credit cards are associated with a specific airline or hotel loyalty program, whereas others let you earn rewards within a credit card’s rewards program . At the end of the day, you’ll want to understand the type of travel rewards your card offers, as well as available redemption options before you sign up.

Regardless of which type of card you choose, becoming a savvy travel rewards credit card holder can help offset travel costs and enhance your overall travel experience.

Types of travel credit cards

No matter your spending habits and rewards preferences, there’s likely a travel credit card that fits. Top travel credit cards include flexible rewards cards and those that are co-branded with another program, such as hotel credit cards and airline credit cards.

Flexible travel credit cards

Hotel credit cards, airline credit cards, how to redeem points and miles.

Once you’ve met the requirements for a hefty welcome offer or earned enough miles to cover your next flight or hotel stay, how do you redeem them? The kind of travel card you have and its respective rewards program determine how you can apply those rewards. If you have a hotel or airline credit card, you can typically only redeem those points with their respective loyalty programs, with a few exceptions. However, there are more ways to redeem flexible travel rewards , like booking through your card issuer’s online travel portal or transferring your points or miles to an issuer’s travel partners.

Redeeming rewards on an issuer’s online portal

Your card issuer will typically have a portal on its website that lists redemption options and points values. Examples of redemption options include statement credits, travel purchases, gift cards and cash back.

Rewards programs typically use a 1 point:1 cent conversion rate, meaning every 100 points or miles is worth $1. Some issuers, like Chase, also offer boosted points values or other perks for travel purchases made through their online portal. To get an idea of how much your points and miles are worth, take a look at Bankrate’s points and miles valuations page for an in-depth look at airline, hotel and credit card program rewards values.

To redeem your rewards on an issuer’s online portal, simply log in to your account and locate the appropriate rewards or travel section.

Redeeming rewards by transferring to a travel partner

Some travel rewards cards let you transfer points or miles to the issuer’s travel partners, which may include frequent flyer programs or hotel loyalty programs. This is often how to get the most value out of your travel rewards.

You can redeem travel rewards by transferring to an eligible travel partner through the issuer’s online portal. Transfer times can range from instantly to a few days — so plan ahead. Note, once you transfer points or miles from an issuer to a travel partner, you won’t be able to transfer them back to the issuer.

After you’ve transferred your points, you can book travel directly through the airline or hotel’s own loyalty program. Your credit card issuer is no longer involved in the process.

Other ways to redeem points and miles

Some credit cards allow you to redeem your points and miles for things like statement credits, cash back, gift cards or other merchandise. This is usually the least valuable way to redeem your points and miles so you’d be better off using them towards travel most times.

What’s the best way to maximize travel rewards?

When you want to make the most of your rewards, there’s no shortage of ways to spend a stockpile of points or miles. But here are some of the best ways to use your travel rewards :

• Book luxury accommodations
• Cover or lower the cost of your next flight
• Reserve a rental car at your destination
• Upgrade a flight or hotel stay

Be sure to check your card issuer’s online portal and travel partners for deals — such as a travel portal redemption bonus or transfer bonus to a specific hotel or airline — to help stretch your rewards further. In many cases, you can also choose to exchange your travel rewards for cash or a statement credit. But keep in mind that doing so usually dilutes the value of those rewards. Once you get the hang of using your travel credit card, you can maximize those rewards on bigger, better travel plans.

In general, the best value for flexible travel rewards will come from transferring them to various loyalty programs. For instance, the Chase Sapphire Preferred® Card’s rewards points are worth 1 cent each when redeemed for cash back, 1.25 cents each when redeemed for travel through the Chase Travel portal and 2 cents each on average when transferred to a travel partner (according to Bankrate’s valuations ).

However, the value you get out of transferring points ultimately depends on how you redeem them. If you transfer 10,000 points from your travel credit card to an airline partner to book a flight that would’ve cost $300 in cash, your points would be worth 3 cents apiece in this case. However, if you used those same points to book a flight worth $100, your points would only be worth 1 cent apiece.

How to maximize your travel rewards

As we’ve mentioned, the best way to redeem points or miles is to transfer your rewards to one of the issuer’s airline or hotel partners and redeem them for accommodations or airline tickets. But making good use of a travel rewards card is about more than just earning and redeeming rewards — it’s also about managing the card itself well.

Whether you’re trying to get the best possible redemption value or want to know which pitfalls to avoid, here are a few tips to help you get the most out of your travel rewards.

Use your card responsibly

The most important rule of using a travel credit card is to always pay your bill on time and in full and never carry a balance if you can help it. To do this, make sure you never charge more than you can afford to pay off each month, and don’t let the prospect of rewards cause you to overspend. Credit card rewards aren’t worthwhile if you’re going into debt or racking up interest charges and fees to get them.

Don’t miss out on a sign-up bonus

Many travel credit cards come with generous sign-up bonuses requiring you to spend a certain amount within the first few months of opening the account. Although these bonuses are often an attractive incentive to apply for a card, make sure the spending requirement is realistic for your budget and travel plans before you choose a travel credit card . You don’t want to end up in debt for the sake of earning extra rewards.

Don’t ignore the card’s fees

Credit card fees don’t directly affect the rewards you earn, but the cost of the fees does affect a card’s overall value to you. Take note of all the fees associated with any card you’re interested in getting.

One of the biggest fees to watch out for with travel credit cards is the annual fee some cards charge. Not all travel cards come with an annual fee, but those that do can range from an approachable $95 to $695 (or more). If you’re interested in a travel card that has an annual fee, be sure that the rewards and benefits will offset the cost. Otherwise, consider our list of the best travel credit cards with no annual fee .

Watch out for foreign transaction fees

Some credit cards charge a foreign transaction fee for purchases made abroad or in a foreign currency. This fee is usually around 3 percent of a purchase, and you’ll pay this fee for every transaction you make overseas. If you travel abroad frequently, you should consider getting a credit card with no foreign transaction fees .

Luckily, many of the best travel rewards cards don’t charge foreign transaction fees, but it’s always a good idea to verify that before applying.

Make sure you have the right card

It’s important to find the right travel card for your needs, which you can do after comparing options and considering all their pros and cons . For example, if you’re partial to a certain airline or hotel chain, a co-branded credit card can offer better rewards rates, discounts and perks related to that specific airline or hotel compared to a generic travel card.

Additionally, pay attention to a travel credit card’s rewards categories. For example, earning points or miles at restaurants won’t deliver a lot of value if you rarely dine out. But if you use services like Lyft or Uber a lot, you may want to look into a card that offers points or miles for rideshares.

How to choose a travel rewards card

Choosing the right travel rewards card is a highly personalized decision. Ultimately your spending habits, goals, finances and credit history will determine which travel card works best for you. This may require some self-reflection and an assessment of your financial situation to find the right travel card. Review these factors in your financial life to get clear on which travel card you need:

• Travel preferences. Do you prefer using one specific airline or hotel chain when you travel? Or would you rather have the freedom to use your points on whichever hotel and flight you choose? For loyalty-based rewards, go for a co-branded travel card. If you prefer flexibility, generic travel cards will give you more options.
• Spending habits. What do you spend the most money on? One of the best ways to choose a travel card is finding one that offers the highest rewards for the categories you spend the most in.
• Welcome offers. You may find welcome offers for travel credit cards where you can earn extra rewards by meeting purchase requirements within a certain timeframe. As long as you’re able to comfortably meet the spending requirements, a bonus offer could be a deciding factor.
• Credit history. Like most credit cards, applying for a travel rewards card means a hard credit check to determine eligibility. If you know where your credit score stands, it’s best to choose travel rewards cards that fit your credit profile to avoid unnecessary denials and credit inquiries. For cards that match your credit, use Bankrate’s CardMatch™ tool .
• Annual fee. There are plenty of travel credit cards with no annual fee if that’s what works for your budget. However, some cards with annual fees are worth it thanks to extra perks and benefits.

Travel rewards cards for beginners

When you’re ready to earn rewards, it’s best to start with a beginner-friendly travel card so you can get the hang of things. Here are our picks for beginner travel rewards credit cards:

• Discover it® Miles . Earn unlimited 1.5X miles on all of your purchases without an annual fee. With a simple rewards structure and a mile-for-mile match on all of the miles you earn at the end of your first year, you’ll find plenty of ways to make the most of this flexible travel rewards card.
• Capital One Venture Rewards Credit Card . Get flexible travel rewards that are easy to use and understand, for a modest $95 annual fee. Earn 2X miles on all purchases and 5X the miles on hotels and rental cars booked through the Capital One Travel portal.
• Bilt Mastercard® . If you want to earn travel rewards by paying your rent, the Bilt Mastercard has you covered. Earn 1X points on rent (up to 100,000 points each year) without any transaction fees, 2X on travel and 3X on dining. Plus you’ll access exclusive benefits on the first of every month as part of Bilt’s monthly “ Rent Day ” promotions.
• Chase Sapphire PreferredⓇ Card . If you’re looking for your first travel credit card, but it’s not your first time using a credit card, the Sapphire Preferred offers tons of cardholder perks and high rewards on travel and everyday categories like dining. For $95 per year, you’ll benefit from a $50 annual hotel credit through the Chase Travel portal, a solid lineup of travel protections and 25% more value when you redeem your points through Chase Travel.

These might not be your forever cards, but they’re a good starting point for learning how travel credit cards work. They’ll also help you get familiar with earning, redeeming and eventually maximizing travel rewards.

The bottom line

Using a travel rewards credit card can help you elevate your travel experiences by earning points or miles from your purchases. When you choose a travel card that aligns with your budget and goals, it can significantly reduce your travel costs or provide perks that enhance your trip. There’s a learning curve to using a travel card, but once you get the hang of it, you may be surprised by how much you can accomplish with your redemptions.

To make sure a travel credit card is ultimately worth it for you , be sure to select a card that rewards you for the type of purchases you make most often or the categories you spend the most in. Ideally, it won’t charge a fee that costs more than you’ll earn in rewards. If you’re ready to jump into the travel rewards lifestyle and start earning points toward your next trip, take a look at the best travel rewards cards to make your decision a little easier.

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