Maximizing Td Travel Rewards: Earning And Using Points

TD Rewards Points are the primary currency of the Toronto-Dominion Bank, the largest bank in Canada. TD Rewards Points are earned through daily spending on TD credit cards and can be redeemed in a number of ways, including travel purchases, gift cards, cash credits, and more. The value of TD Rewards Points varies depending on the redemption option, with travel purchases typically offering the best value. For example, when booking travel through Expedia® for TD, 200 TD Rewards Points are worth $1. TD Rewards Points can also be redeemed for statement credits, merchandise, and continuing education, although these options may offer lower value. Overall, TD Rewards Points provide flexibility and choice for cardholders looking to maximize their rewards.

Earning TD Rewards Points

TD Rewards Points are earned through the Toronto-Dominion Bank's 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, offering first-year annual fee rebate promotions and a welcome bonus ranging between 15,000–50,000 TD Rewards Points. The TD First Class Travel® Visa Infinite* Card is the flagship TD Rewards product, frequently offering first-year annual fee rebates and a welcome bonus of 20,000–135,000 TD Rewards Points.

Beyond signup offers, TD Rewards Points can be earned through daily spending on the above credit cards. The earning rates vary depending on the type of purchase and the specific card used. For example, the TD Rewards Visa* Card offers 4 TD Rewards Points for every $1 spent on eligible Expedia® for TD purchases, while the TD First Class Travel® Visa Infinite* Card offers 8 TD Rewards Points for every $1 spent on eligible travel booked through Expedia® for TD.

Overall, the TD First Class Travel® Visa Infinite* Card stands out as the strongest option for earning TD Rewards Points, especially for those who book a significant portion of their trips through Expedia.

Redeeming TD Rewards Points

The TD Rewards program offers a lot of flexibility when it comes to redeeming your points. The number of points you can earn depends on the type of TD credit card you have. The TD Rewards Visa* Card is an entry-level card with no annual fee, while the TD First Class Travel® Visa Infinite* Card is the most popular option, as it comes with a range of travel benefits.

You can redeem your TD Rewards Points in a number of ways, including:

• Travel – The best value for your points is through Expedia® for TD, where 200 TD Rewards Points equals $1. You can book flights, hotels, car rentals, cruises, tours, and even Disney tickets. You can also use your points for non-Expedia travel, where 250 TD Rewards Points equals $1.
• Gift Cards – You can redeem your points for gift cards from a variety of merchants, including dining, shopping, groceries, and entertainment.
• Cash Credits – You can use your points to pay down your TD Credit Card balance or redeem them for a statement credit.
• Everyday Purchases – Use your points for purchases at Amazon, Starbucks, or other online retailers.
• Continuing Education – You can convert your TD Rewards Points into education credits at participating institutions through higheredpoints.com.

The flexibility of the TD Rewards program means you can choose how and when you want to redeem your points. Plus, your TD Rewards Points never expire as long as your account is open and in good standing.

TD Rewards Visa* Card

The TD Rewards Visa* Card is a no-fee card that allows you to earn TD Rewards Points on your everyday purchases and gives you the flexibility to redeem your points how and when you want. You can earn TD Rewards Points by making eligible purchases with your card, such as travel bookings, groceries, dining, and more. The number of points earned per dollar spent varies depending on the category of purchase. For example, you can earn 4 TD Rewards Points for every dollar spent on eligible travel bookings made through Expedia® For TD, 3 points for every dollar spent on groceries and dining, and so on. These points can be redeemed in a variety of ways, including:

• Booking travel through Expedia® For TD: You can use your TD Rewards Points to book flights, hotels, car rentals, and more through Expedia® For TD.
• Book Any Way: If you prefer to book your travel through another agency or website, you can still use your TD Rewards Points for all kinds of travel expenses, including taxes and excursions.
• Amazon.ca: You can redeem your points for eligible purchases on Amazon.ca by linking your TD Rewards-earning credit card with your Amazon account.
• Starbucks: Link your TD Rewards Credit Card and Starbucks® Rewards account to redeem your TD Rewards Points for Starbucks Stars, which can be used for coffee, baked goods, and more.
• Gift Cards: Use your points to purchase gift cards for dining, shopping, groceries, entertainment, gas, and more.
• Cash Credits: Redeem your points for cash credits to pay down your TD Credit Card balance.
• Education Credits: You can use your TD Rewards Points to pay for tuition or student loans at participating institutions.

The TD Rewards Visa* Card also offers additional benefits, such as mobile device insurance, purchase security, extended warranty protection, and no annual fee.

TD Platinum Travel Visa* Card

The TD Platinum Travel Visa* Card is a mid-tier card in the TD Rewards lineup, offering good earning rates and an enticing welcome bonus. There is no minimum income requirement for this card. The first additional cardholder costs $35, and there is no fee for subsequent additional cardholders.

The TD Platinum Travel Visa* Card offers elevated rates in specific categories. These earning rates are as follows:

• 6 TD Rewards Points for every $1 spent on eligible Expedia for TD travel purchases
• 4.5 TD Rewards Points for every $1 spent on eligible groceries and dining
• 3 TD Rewards Points for every $1 spent on eligible recurring bill payments set up on your account
• 1.5 TD Rewards Points for every $1 spent on all other eligible purchases

The welcome bonus for the TD Platinum Travel Visa* Card includes:

• A welcome bonus of 15,000 TD Rewards Points when you make your first purchase with your card
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of account opening
• An annual fee rebate for the first year

The TD Platinum Travel Visa* Card also comes with some basic insurance coverage, including:

• Delayed and Lost Baggage Insurance
• Flight/Trip Delay Insurance
• Auto Rental Collision/Loss Damage Insurance
• Common Carrier Travel Accident Insurance
• Mobile Device Insurance
• Purchase Security and Extended Warranty Protection
• Hotel/Motel Burglary Insurance

You can also apply for optional insurance coverages, such as Travel Medical Insurance and Trip Cancellation and Trip Interruption Insurance.

With the TD Platinum Travel Visa* Card, you can redeem your TD Rewards Points for travel, gift cards, merchandise, higher education, statement credits, or on Amazon.ca. The most valuable way to redeem your points is for travel. You can redeem your points through Expedia for TD, where each TD Rewards Point is worth 0.5 cents, or through Book Any Way Travel, where your points are worth 0.4 cents each.

TD First Class Travel® Visa Infinite* Card

The TD First Class Travel Visa Infinite Card is a popular travel rewards credit card that offers a range of benefits to its cardholders. The card has an annual fee of $139, which is waived for the first year. It offers a welcome bonus of 20,000 TD Rewards Points when you make your first purchase, and you can earn up to 55,000 additional points by spending $5,000 within the first 180 days of opening your account. Cardholders can also earn up to 10,000 points as a birthday bonus, which is 10% of the TD Rewards Points earned in the previous year.

The TD First Class Travel Visa Infinite Card offers accelerated earn rates in several categories, including 8 points per dollar spent on travel booked through Expedia For TD, 6 points per dollar on groceries and restaurants, and 4 points per dollar on recurring bill payments. Additionally, cardholders can earn 2 points per dollar on all other eligible purchases. These points can be redeemed for travel, Amazon purchases, gift cards, cash credits, and education credits.

One of the highlights of the TD First Class Travel Visa Infinite Card is its comprehensive travel insurance coverage. It offers medical and emergency assistance, trip cancellation and interruption insurance, flight and trip delay insurance, lost and delayed baggage insurance, car rental insurance, and hotel burglary insurance. The card also provides mobile device insurance, purchase security, and extended warranty protection.

Cardholders can also take advantage of the Visa Infinite benefits, including access to the Visa Infinite Luxury Hotel Collection, the Visa Infinite Dining Series, and the Visa Infinite Wine Country Program. The card offers a complimentary 24/7 Visa Infinite Concierge service to assist with travel bookings, restaurant recommendations, and more.

Overall, the TD First Class Travel Visa Infinite Card is a great choice for individuals who are looking for a travel rewards credit card with a competitive earning rate, flexible redemption options, and a comprehensive insurance package.

Frequently asked questions