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TD Rewards Visa Card Review

Earn TD points on all eligible purchases and pay no annual fee.

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30-second take

  • Consider this card if you want a return on gas and groceries and don’t want to pay an annual fee.
  • Choose something else if you’d rather earn cash back or want comprehensive insurance (including travel).
  • There’s no minimum annual income required to qualify for this card.

The basics

Because it’s a fee-free card, the TD Rewards Visa Card is fairly basic in terms of benefits and rewards. However, the card does have some useful features including the following:

  • No annual fee. You won’t have to pay a fee up front to take advantage of the TD Rewards Visa Card.
  • Welcome bonus. Earn a $50 value in TD Rewards Points to use on eligible purchases. Apply by January 6, 2025.
  • Earn TD Rewards Points. Earn 4 TD Rewards Points per $1 spent on online travel bookings via, 3 TD Rewards Points for every $1 spent on eligible grocery and restaurant, 2 TD Rewards Points for every $1 spent on regularly recurring bill payments, and 1 TD Rewards Point for every $1 you spend on all other eligible purchases.
  • Product coverage. Get extended warranty and insurance coverage on products purchased with your card.
  • Car rental insurance and discounts. Get money off your next car rental with Budget or AVIS.

The perks

  • Tap to pay. You can pay in seconds with Apple Pay or Visa payWave (for Android).
  • Fraud protection. You’re protected by Zero Liability Protection in case of fraudulent charges on your account.
  • 24/7 support. Talk to customer service at any time of day to troubleshoot your account.
  • No fee for additional cards. Get as many cards as you want without having to pay an extra fee.

What to watch out for

  • High interest. You’ll pay 19.99% interest on outstanding balances and 22.99% for cash advances.
  • Basic insurance. You won’t get travel insurance, roadside assistance or other benefits that come with Visa Infinite cards.
  • Low-value rewards. Since it’s a no annual fee card, your rewards earn will be lower per $1 spent than that of a card with a fee.

TD Rewards Visa Card interest rates

Interest TypeInterest Rate
Purchase interest rate19.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What should I know before you apply?

Bottom line

The TD Rewards Visa Card offers a return on rewards at no extra fee. The card comes with fraud protection and basic insurance to cover your purchases. However, you should consider another card if you’re looking for comprehensive benefits (like travel insurance) or you want to pay low interest on your outstanding balance.

Frequently asked questions about the TD Rewards Visa Card

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Associate editor

Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full bio

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