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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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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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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

• Why the Best Western loyalty program is good for travellers - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• 25 Tips on earning Aeroplan miles - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• What’s the best use of Scotia Rewards? - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Lounge and flight review of United Airlines’ Polaris experience - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• Minimizing Aeroplan taxes, fees and surcharges - Packing Light Travel - […] Is the TD Rewards program worth it? […]
• 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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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 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 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

TD First Class Travel Visa Infinite Card *

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. Travel purchases made at Expedia for TD earn 8 TD points per $1. Travel spends elsewhere earn 2 TD points per $1. Generating bonus Points is easy enough, but for a limited time new card holders can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Best yet, your points never expire, so there’s no pressure to redeem.

The First Class Travel Visa Infinite 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 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).

What are the best ways to benefit from this card?

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), the savings will be noticeable. The included insurance package can also help you save a bundle.

Annual fee: $139 (annual-fee rebate—conditions apply to qualify). Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99% Welcome bonus: earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. You get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).

Additional perks: Travel insurance including travel medical up to $2 million, trip cancellation or interruption, travel accident, travel assistance and lost or delayed luggage coverage; auto rental collision/ loss damage insurance (conditions apply); purchase protection and extended warranty

Click here for more details about the TD First Class Travel Visa Infinite *

TD Rewards Visa *

If you’re annual fee-averse, consider the TD Rewards Visa, which will help you bump up your TD 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.

• Annual fee: $0
• Interest rates: purchases 19.99%, cash advances 22.99%, balance transfers 22.99%
• Welcome bonus: 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 June 3, 2024.
• Additional perks: Discounts on Avis and Budget Rent A Car; purchase security and extended warranty

Click here for more details about the TD Rewards Visa*

How can I tell 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 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.

**All point values are based on travel redemptions

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy .

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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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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?

Sign-in using your existing TD online banking credentials.

Earn more on eligible US Stays

Looking for your next seaside vacation? Browse our picks for stunning beaches in Europe. You can book a trip today!

From famous sights to breath-taking museums, discover all the wonders of London!

Treat yourself and book a stay with a luxury hotel or resort

Top hotel deals.

Niagara Falls

Travel smarter with expedia for td.

Exclusive Offers & Deals

Get access to travel discounts and offers only available to Expedia For TD users.

Earn TD points Faster

TD Travel Rewards Credit Cards may get you closer to your next trip

Dedicated support 24/7 

Support to help plan, book, and correct any issues that arise to keep your vacation a vacation.

• Small Business

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The smart way to do business and travel

Discover your TD Business Travel Visa* Card

To save or print a copy of this guide,  download the PDF Welcome Guide .

Getting Started

Manage Expenses

Earn TD Rewards Points

Redeem TD Rewards Points

Travel Benefits

Business Card Benefits

Card Security

Your new TD Business Travel Visa* Card

Quick steps for getting started and making the most of your card.

Learn more about the features and benefits of your TD Business Travel Visa* Card by calling 1-800-983-8472 to speak with a Business Credit Card specialist.

Visit My TD Rewards in the TD app or EasyWeb® Online banking to manage your TD Rewards Points and discover loyalty perks.

Update your business Card as the primary Card on your favorite mobile apps like auto-reloads and transportation to make everyday business purchases more convenient 1 .

Learn how to add your business Card to Apple Pay , Google Pay or Samsung Pay , to make convenient, everyday business payments with just a tap of your device.

Set up regularly recurring bill payments on your TD Business Travel Visa* Account with participating merchants so bills are paid automatically on their due dates. You'll save time and avoid late fees.

Register for online statements on EasyWeb® Online banking to save time and stay organized.

Learn more about the TD app to access your Business Credit Card Account almost anywhere. Plus, you can bank at home or on the go.

Help and assistance

If your TD Credit Card is damaged or not working , you can request a replacement Card online through EasyWeb, through the TD app using your mobile device or by phone at 1-800-983-8472 .

If your TD Credit Card has been lost or stolen , you must immediately report this to us by phone at 1-800-983-8472 .

Fast, reliable access to cash . You can ask for an emergency Cash Advance of up to $5,000 in emergency funds (subject to your available credit limit), at over one million ATMs worldwide, at all TD branches and at select financial institutions around the world.

• Getting information when you need it . The TD Credit Card Contact Centre can help you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.
• Stay connected to important people. In the event of an emergency, messages can be forwarded to family members at home.
• Ways to Pay

Cover business expenses with TD Visa* Cheques

If you need to pay for a business expense that can’t be charged to a credit card, use TD Visa* Cheques 2 anywhere cheques are accepted and the amount of your business expense will be processed directly to your TD Business Travel Visa* Card Account as a Cash Advance.

To learn more, call 1-800-983-8472

Tap to pay with Visa

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.

Save time with Apple Pay, Google Pay or Samsung Pay

These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for your everyday purchases for your business.

Pay online easily and securely

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Td green machine® atms.

Access and manage your Card Account at any of our ATMs.

EasyWeb® Online banking

Manage your Card Account easily online.

Business Credit Card specialist

Give us a call to access or manage your Card Account.

Get secure access to TD’s mobile banking service anywhere you are.

Stay on top of your Business Credit Card spending with the new TD Card Management Tool.

As a business owner, you have a lot on your plate. That’s why when you get a TD Business Credit Card, you also get exclusive access to the TD Card Management Tool — designed to save you time and make your day-to-day easier.

You can access and organize the information you need to help you make informed decisions about what matters most.

By separating your business and personal expenses, you can get a clear, real-time view of your spending behaviour and balances, all in one easy-to-use online tool. Plus, you can create custom reports, track your employees’ spending, adjust your credit limits and apply spend controls with the click of a button.

It’s just business, not personal

When you get a business credit card with TD, you get access to the TD Card Management Tool.

This easy-to-use tool lets you:

• Redistribute your business’s available credit between Cardholders any time
• Easily set restrictions on spend type, geography and thresholds of your Card
• Have the ability to temporarily turn a Card on and off
• View a dashboard of your key business expenses
• Track your and your employees’ spending
• Create numerous customizable reports with up to 18 months of business transaction data
• Search your spending by date, amount or vendor
• Access your balances and payment history, and more

Take control

Flexibility.

Move your credit limits between your Cards any time.

Easy-to-use features put your finances in your hands – anytime, anywhere.

Faster and easier

Simplified expense management means more time to focus on growing your business.

All your reports are conveniently organized in one place online.

Separate your business from personal spending

Don’t mix business with pleasure is a common saying, but not everyone follows that advice when it comes to their credit cards. By keeping your business expenses and personal spending separate, you can take advantage of the TD Card Management Tool.

• Track Employees’ Usage: Ever wonder who’s spending what and where? Now you can organize spending reports by Cardholder or supplier category, so you always know how your funds are being spent.

Watch Your Spending: The TD Card Management Tool’s dashboard makes it easy to view your expenses at a glance or take an in-depth look through category and individual Cardholder spend views.

Get the Added Confidence of Spend Control: As a business owner, the TD Card Management Tool makes it easy to stay in control while employees are spending on behalf of your business. With Spend Controls, you can temporarily block Cards as well as set limits on employee transactions, from the dollar amount to the geographic location to the type of transaction that’s permitted.

Redistribute Credit Limits: It’s never been so easy to reallocate your credit limits. Redistribute your available credit between Cardholders to meet your specific business needs with the simple click of a button.

Customize Reporting Periods: You can gain new insights about your business by setting reporting periods between any dates you choose — not just your billing cycle.

View Balance & Payment History: Delve into an archive of your balances, payments and reports to monitor changes in spending behaviour over time.

Get Started

Try it today in your EasyWeb Business Account.

Get in touch to find out more about the TD Card Management Tool.

Your TD Rewards Points

With your TD Business Travel Visa* Card, you earn 3  TD Rewards Points with every eligible business Purchase and redeem them how and when you want

• Earn 9 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com using your Card 4 .
• Earn 6 TD Rewards Points for every $1 in foreign currency purchases 5 , restaurant purchases 6  and regularly recurring bill payments 7 .
• Earn 2 TD Rewards Points for every $1 you spend on all other eligible purchases 8 .
• Enjoy ExpediaForTD.com, your exclusive travel booking site with special offers designed just for you. With ExpediaForTD.com, you can be confident that you’ll earn the most rewards points and get the best point redemption value.
• No travel blackouts 9 , no seat restrictions 9  and no expiry for your TD Rewards Points.
• Turn your everyday business purchases into TD Rewards Points that you can also redeem for retail business merchandise, gift cards and more.
• Your TD Rewards Points never expire as long as you are a Cardholder.
• 50% more TD Rewards Points at Starbucks when you link your Card with your Starbucks® Rewards account. Conditions apply. Visit  td.com/starbucksoffer  to learn more.

† 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.

††† 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.

Earn more with regularly recurring bill payments

Set up Pre-Authorized Payments on your account for business expenses, like utilities or phone bills. You'll earn TD Rewards Points and your bills will be paid automatically on their due dates.

Your redemption options

The TD Rewards Program provides you with the flexibility to redeem your TD Rewards Points on what you want - business travel purchases, retail merchandise, gift cards and so much more. Discover the possibilities at  TDRewards.com.

Travel where you want

• Expedia For TD 10 Redeem 11  your TD Rewards Points through  ExpediaForTD.com , available exclusively to TD Credit Cardholders who earn travel rewards. Book business travel while earning TD Rewards Points fast or redeem your TD Rewards Points for any Expedia For TD purchase you make with your card,  including taxes & fees . You can search over a million flights, hotels, packages and more!
• Book Any Way Travel Purchases 11 You can also book your business trip through other travel agencies or websites to take advantage of any discounts and last-minute deals they offer. Whether you want to take clients for a round of golf or park at the airport, you have the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including taxes — within 90 days of this type of  travel purchase !

Shop for your business using your rewards

• Merchandise and Gift cards Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Amazon.ca Shop with Points Redeem your TD Rewards Points towards making business purchases at Amazon.ca to get what you want, when you want, quickly and easily. Conditions apply 12 .  Learn more  about how you can redeem your points for all or just part of your purchase.

Financial Rewards

• Pay with Rewards Redeem your TD Rewards Points for a cash credit to help pay down your TD Business Travel Visa* Card Account.
• Redeem for Education TD Rewards Points can be redeemed for education credits from HigherEdPoints to help cover tuition and other higher education costs at over  100 participating institutions  for yourself, an employee, a relative or a friend.

Explore TDRewards.com

Register at  TDRewards.com  to:

• See how many TD Rewards Points you’ve earned on each purchase
• Stay on top of great deals by signing up for special offer emails
• View and redeem TD Rewards Points through EasyWeb or the TD app

Your TD Business Travel Visa* Card comes with travel perks

Travel medical insurance 13.

You have coverage for eligible medical emergencies without even having to charge the trip to your business Card! To help you with the consequences of eligible unforeseen events, your TD Business Travel  Visa*  Card includes Travel Medical Insurance, which provides:

• Up to $2 Million of comprehensive emergency medical coverage for when you are travelling outside of your province or territory, whether within Canada or internationally.
• No out-of-pocket costs for eligible emergency medical expenses, when possible.
• 24/7 emergency medical assistance.
• Coverage for the first 15 days of your trip. If you or your spouse is aged 65 or older, you have coverage for the first 4 days of your trip. For longer trips, top-up coverage is available for purchase by calling  1-800-293-4941 .

Enjoy a suite of insurance benefits with your Card

• Flight/Trip Delay Insurance 14 If your flight/trip is delayed for longer than four hours, each insured person could receive up to $500 for reasonable and eligible hotel, motel and restaurant expenses when you charge the full cost of your flight on your business Card and/or TD Rewards Points.
• Trip Cancellation Insurance/Trip Interruption Insurance 15 Help protect yourself from cancellations and recover eligible trip expenses. With Trip Cancellation, receive up to $1,500 of coverage for each insured person, up to a maximum of $5,000 for all insured persons. Your time is valuable. When facing a trip interruption, you can receive 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 16 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane or train).
• Delayed and Lost Baggage Insurance 17 If your baggage is delayed for longer than six hours, each insured person is eligible for emergency purchases of essentials, such as clothing and toiletries. Coverage may also be provided if your baggage is lost by a Common Carrier. Charge the full cost of the tickets with your business Card and/or TD Rewards Points, so each insured person may be eligible for coverage up to an overall maximum of $1,000 per trip.
• Auto Rental Collision/Loss Damage Insurance 18 Use your business Card and/or TD Rewards Points to pay for the full cost of an eligible car rental and get the Collision Damage Waiver ("CDW") coverage at no additional cost for up to 48 consecutive days. Please note, some rental agencies may require you to buy the CDW coverage from them. It's important to contact the rental agency before reserving a car to verify their policies.

Emergency Travel Assistance Services 19

Help is just a call away. Get toll-free access to help, should you have a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

• Translation services in the event of an emergency situation
• Lost document and ticket replacement
• Emergency Cash Transfer in the event of a theft, loss or emergency. Our Administrator can assist you with obtaining a Cash Advance which will be charged to your Account

In Canada and U.S. call  1-800-871-8334 . In other countries call collect  416-977-8297 .

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% on the lowest available base rates 20 , 21  in Canada and U.S., and a minimum of 5% on the lowest available base rates 20 , 21  internationally, on qualifying car rentals at participating Avis and Budget locations.

• Avis:  You can reserve your Avis car rental by visiting  avis.com/tdcreditcards . Quote  Avis Worldwide Discount ("AWD") #C078400  at time of reservation and charge the full rental to your TD Business Travel Visa* Card.
• Budget:  You can reserve your Budget car rental by visiting  budget.com/tdcreditcards . Quote  Budget Customer Discount ("BCD") #A331700  at time of reservation and charge the full rental to your TD Business Travel Visa* Card.

Dedicated Business Solutions

Expertise you can trust, technical support you can count on and solutions that adapt to your changing needs. Our dedicated advisors will take the time to understand your growing business and provide knowledgeable advice and solutions that are right for you.

Enjoy discounts with the Visa SavingsEdge* Program

Enroll your TD Business Travel Visa* Card in the Visa SavingsEdge* Program 22  at no cost and enjoy discounts of up to 25% on qualifying business purchases, including business travel and entertainment, computers and electronics, business services and more. Your savings are automatically applied to your Account and appear as credits on your future statements.

Add Additional Cards

Need more Cards for your business? Easily apply for and manage additional Cards 23  for your employees.

Optional Business TD Auto Club Membership

With optional Business TD Auto Club Membership 24 , know that in the event of a road emergency, help is just a phone call away.

Balance Transfer

Consider consolidating any higher-rate non-TD credit card balances you may have to your TD Business Travel Visa* Card Account through a Balance Transfer 25 . By transferring your balances you can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of consolidating your balances to your TD Business Travel Visa* Account.

For more information, visit us at your nearest TD Canada Trust branch or call 1-800-983-8472

Explore your TD Business Travel Visa* Card's security and protection

Protecting the security of your Card should always be a priority. That’s why your TD Business Travel Visa* Card comes with features that help protect you when you shop online and in person.

Security features

Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your ("PIN").

Shop with confidence with chip & PIN technology . Chip and PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Purchase Security and Extended Warranty Protection 26 . You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your 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.

Personal Identification Number (PIN) Security Tips

• Choose a PIN you can remember that's difficult to guess. Don't use a phone number or a birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
• Never let anyone else know or use your PIN or use your business Card.
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2  TD Visa Cheques (“Cheques”) are processed as Cash Advances to your TD Credit Card Account (“Account”) and interest is charged at the annual interest rate that applies to your Account for Cash Advances from the transaction date until the total amount of the Cheque is paid in full. Your transaction date appears on your monthly statement. A Cheque will not be processed if the total amount exceeds the available credit on your Account or if the Account is not in good standing. Cheques cannot be used for repayment of any TD credit account. Stop payments are not allowed on Cheques. See your TD Business Cardholder Agreement for more details.

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4  Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD (" Online Travel Purchases ") and charged to your TD Business Travel Visa 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. Earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD (" Phone Travel Purchases ") and charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone 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.

5  Earn 6 TD Rewards Points (" Foreign Currency Rebate ") for every $1 in Purchases in a Foreign Currency (" Foreign Currency Purchases ") charged to your TD Business Travel  Visa * Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Foreign Currency Purchase, as applicable. 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.  $80,000 Cap : The Foreign Currency Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached for Foreign Currency Purchases, then any further Foreign Currency Purchases 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 Cardholder Agreement (" Standard Rebate ").  Applicability of Foreign Currency Rebate:  The Foreign Currency Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6  Earn 6 TD Rewards Points (" Restaurant Rebate ") on each $1 in Purchases at restaurants (" Restaurant Purchases ") charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Restaurant Purchase, as applicable. 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.  $80,000 Cap:  The Restaurant Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached for Restaurant Purchases, then any further Restaurant Purchases 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 Cardholder Agreement (" Standard Rebate ").  Applicability of Restaurant Rebate:  The Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Restaurant Rebate, the Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (" MCC ") that identifies them in the "restaurant" category. Some merchants may not be classified with a restaurant MCC and such Purchases will not earn the Restaurant Rebate as applicable. 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.

7  Earn 6 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 Business Travel Visa* Card Account (" Account ") and that are classified through the Visa network as "recurring payments" (" Pre-Authorized Payments "). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. 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.  $80,000 Cap : The PAP Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only 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 Cardholder Agreement (" Standard Rebate ").  Applicability of PAP Rebate:  The PAP Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

8  Earn 2 TD Rewards Points (" Standard Rebate ") on every $1 on all other Purchases (" Other Purchases ") charged to your TD Business Travel Visa* 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.

9  Subject to carrier/space availability.

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11  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your business Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your business 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 Credit Cardholder Agreement for your business Card. The Travel Terms are available on  www.td.com/businesscardagreements . We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your business Card that are not booked through Expedia For TD, Cardholder must contact the TD Rewards Program 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 deducted from the Cardholder’s 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 towards 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. Expedia For TD is operated by Expedia, Inc. at  www.TDRewards.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.

12 These are highlights of the Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by [Amazon.com, Inc.]. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

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14  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated 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 Benefit Coverages Guide.

15  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 Benefit Coverages Guide. 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.

16  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 associated 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 Benefit Coverages Guide.

17  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.

18  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. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them--it is important to call before booking your business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.

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

20  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/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

21  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 is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

22  The  Visa SavingsEdge * Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.

23  Business and business owners are jointly and severally liable for all charges to made to each TD Business Travel Visa Card Account.

24  TD Auto Club is provided by Dominion Automobile Association (2004) Limited, an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

25  Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made. See your business Cardholder Agreement for complete information on Cash Advances including how we apply your payments and interest to Cash Advances.

26  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.

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The TD Business Travel Visa Card was designed for hard workers like you who want to do business and travel the smart way. Earning your way to your next destination couldn't be simpler. With a TD Business Travel Visa Card, you can easily turn everyday business purchases into TD Rewards Points faster for travel and experiences. You can earn the most points when you book travel through expediafortd.com. Earn nine TD Rewards Points for every dollar you spend on online travel purchases. You can book all your travel needs from flights to hotels, car rentals and attractions.

Make the most of every trip through expediafortd.com. Earn six TD Rewards Points for every dollar you spend on restaurant purchases and recurring bill payments made on your card. You can also earn six TD Rewards Points when you make foreign currency purchases so you can earn faster no matter where you need to go. Plus, earn two TD Rewards Points for every dollar spent on all other everyday business purchases. And when you're ready to redeem your TD Rewards Points, you can be sure your points will take you farther with expediafortd.com.

You'll get the best redemption value, period. You also have the option to redeem your points for merchandise, gift cards, or a cash credit. When you decide to travel, you'll travel with an extensive suite of travel insurance plans available to cardholders. The TD Business Travel Visa Card makes keeping track of all your spending simple. Your card comes with access to the TD Card Management tool, an easy way to access online custom reporting, review your business expenses, manage your existing credit limits, and apply spend controls. Paying for business expenses has never been this rewarding.

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Tim Hortons Credit Card (Tims Card) Review 2024

Published: Mar 26, 2024, 10:40am

Fact Checked

The Tims Credit Card is an easy to use credit card with no annual fee that offers cardholders the ability to earn rewards with every purchase. Accelerated rates on day-to-day spending categories make it easy to rack up points even faster. When it comes time to redeem, you can put your Tims rewards toward your favourite Tims treats or use them to help pay off your statement balance.

However, while we all love free donuts and coffee, the overall value of this credit card isn’t the best on the market. So unless you are a loyal Tim Hortons customer who goes multiple times a week, there are likely credit cards available with more lucrative and flexible redemption schemes.

• No annual fee
• Earn Tims Rewards on all purchases
• Tims Rewards can either be redeemed in-store at Tim Hortons locations or used as credit towards your Tims credit card statement
• Lacking perks and benefits
• Limit on redemptions
• Tims Rewards expire after 12 months

Table of Contents

Introduction, tims card rewards, tims card benefits, how the tims card stacks up, methodology, is the tims credit card right for you.

• Earn your first 2,000 points when you make your first purchase within the first 30 days of account opening
• Spend $200 in each of the first three months to earn 1,000 points in each of them.
• Earn 5 points per dollar in groceries (Walmart and Costco not included)
• Earn 5 points per dollar at gas and EV charging stations.
• Earn 5 points per dollar on transit, taxi, and ridesharing programs.
• Earn 15 points per dollar when you scan for Tims Rewards at Tim Hortons restaurants.
• Earn 1 point per $2 everywhere else.
• Tims Rewards can be converted to statement credit that can be used to help pay off your credit card statement (converted to a maximum of $45 per week)
• Extended warranty up to $1,000 per incident
• Purchase protection up to $1,000 per incident
• Access to Tims Financial Support Centre
• Mastercard Zero Liability

Tim Hortons is an iconic Canadian coffee shop with locations in even the smallest of towns, so the idea of a Tims credit card is pretty attractive to Tim Horton’s customers across the country.

The Tim Hortons credit card—or Tims Card—is a no-annual-fee credit card that allows cardholders to earn rewards on all purchases and accelerated rewards on everyday spending categories. However, the earn rate for this credit card is lower than some others on the market, even if it’s higher than most store cards . Also, when it comes to redeeming rewards, the Tims credit card lacks the flexibility that other credit cards offer.

That being said, if you find yourself at Tim Hortons multiple times a week picking up your morning coffee or grabbing a sandwich for lunch, then it might be worth it for you. Just be mindful that points expire after 12 months so you need to use them before you lose them.

Quick Facts

• Cardholders will earn Tim Rewards on all purchases with accelerated points on categories like grocery, gas, transportation and Tim Hortons purchases.
• Cardholders can redeem points for purchases at Tim Hortons or use them towards their Tims credit card statement. (Keep in mind, you can only use points to pay off 6% of your statement balance, up to $45 every week.)
• Points will expire after 12 months so check your app settings and use them regularly rather than hoarding them for more free menu items at once.

Earning Tims rewards is easy with the Tims credit card. All you need to do is use it. Every purchase made with your Tims credit card will earn you rewards that you can then redeem for Tims products or use towards your credit card statement.

Earning Rewards

Tim Hortons credit card holders will earn rewards with every purchase they make. All purchases will earn at least 2 points per dollar spent. However, there are several categories which will allow you to earn at an accelerated rate. Groceries (not including Costco or Loblaws), gas , EV charging and transit (including taxis and rideshares) will earn 5 points per dollar spent. Purchases at Tim Hortons restaurants have the biggest earn rate of 15 points per dollar when you scan the app there. If you forget to scan the app when you use your Tims Card at Tim Hortons restaurants, you will only earn 5 points per dollar.

Redeeming Rewards

When redeeming rewards, the credit card will be linked to your app so you can manage your points from there.

Tims Rewards can be used for two things: Tim Hortons purchases and statement credits.

For purchases made at Tim Hortons restaurants in Canada, there are some things to know. Different food and drink items have different points values and you cannot do a partial redemption and pay for the balance in cash. You can also only redeem for one eligible menu item per transaction. If you have enough points to redeem for a second eligible menu item, you have to wait 30 minutes before completing the second transaction.

Below is how many Tims Rewards points you will need before you can redeem for a specific menu item and how much you will need to earn that redemption level of Tims Rewards. Items hover from two to three cents per point when rounded to the nearest point. With drinks, large drinks are closer to three cents per point and small or medium drinks are closer to two cents per point.

* Cents per point value on menu items rounded to the nearest cent.

The second option for redemption is to use your Tims Rewards towards your Tims credit card statement. However, there are limitations. If you want to redeem them for a statement credit, it can only be for a value of $5 up to $45 (in $5 increments) every seven days.

Rewards Potential

Earning and redeeming points is easy with the Tims Credit card, but the value isn’t exactly amazing. For example, you need 300 Tims points to get a classic donut. That means you would need to spend $60 at the grocery store (earn rate 5 points per dollar) to get a free donut, which otherwise, would cost you about $2 in cash.

Now, if you love free donuts, then maybe it’s a good choice for you. However, for comparison, if you spent that same $60 at Loblaws using the PC Insiders World Elite Mastercard, you would earn 2,400 points ($60 x 40 points). That equals over $20 in groceries. Even if you are a donut lover, that still translates to a lot more donuts.

• New card members can get a 5,000 point welcome bonus. To receive this offer cardholders will earn 2,000 extra points on their first purchase and then an additional 1,000 points for spending $200 or more each month, for the first three months of card membership
• Cardholders can take advantage of extended warranty for most items purchased on their Tims credit card. The warranty will be extended for up to one year up to $1,000 per incident
• Cardholders will also have purchase protection on most items purchased with their Tims credit card. Valid for 90 days after purchase up to $1,000 per incident

Interest Rates

• Purchase APR: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: N/A
• Cash Advance Fee: N/A
• Balance Transfer Fee: N/A
• Foreign Transaction Fee: 2.5%
• Annual Fee: $0
• Any Other Fees: N/A

Tims Card vs. MBNA Amazon.ca Rewards Card

The MBNA Amazon.ca Rewards Card is another no-annual-fee credit card. Rather than earning Tims points, this credit card will earn cash back on all purchases, which is much more flexible. Since it is co-branded with Amazon.ca, the highest earn rate will be for Amazon.ca purchases. Cash-back rewards can be directly applied to eligible Amazon.ca purchases. Aside from different brands, one notable perk that this MBNA Amazon card has over the Tims card is that it offers 1% to 2.5% (depending on whether or not you are a Prime member) on foreign exchange fees which can be very handy for in-person purchases abroad or online shopping from a vendor in another country.

Tims Card vs. CIBC Costco Mastercard

The CIBC Costco Mastercard is also a no-annual-fee card. Earn rates vary from 3% to 1% cash back but, interestingly enough, regular Costco purchases fall under the lower 1% category, rather than an accelerated rate. However, keeping with our donut example, 1% cash back on the same $60 in groceries is still more valuable than a $2 donut. That being said, it depends on where you do your grocery shopping. The CIBC Costco Mastercard is only more beneficial if you shop at Costco, both in-person and online, and/or you fill up your car at Costco gas stations.

Tims Card vs. PC Insiders World Elite Mastercard

The PC Insiders World Elite Mastercard has an annual fee of $120, which is steep compared to the $0 annual fee of the Tims Card. However, if you are looking for a card that will maximize your earn rate on groceries, then the PC Insiders World Elite Mastercard comes out on top. As shared in the example earlier, $60 on groceries with this card will earn you over $20 in free groceries whereas the same $60 on the Tims Card will earn you a single donut. With the PC Insiders World Elite Mastercard, you will still earn accelerated rates on other categories like gas and drug store purchases, and earn a base rate on all purchases. Plus, this card has more perks and benefits including travel insurance .

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With this card, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

If you are a Tim Horton’s regular and are looking to get good value for your Tim Horton’s purchases then this card might be worth it just to have in your wallet for those Tims runs. However, there are other cards on the market, including no-annual-fee cards , that have better points value and are more flexible in what you can get with your rewards. If you are looking for a credit card with more benefits or options for reward redemption, there are better options out there.

Frequently Asked Questions (FAQs)

How do i check the balance on my tims card.

You can check online, via the app, in-store, or by calling 1-866-846-2273.

Can I use a U.S. Tim Hortons gift card in Canada?

Yes, Tim Hortons gift cards can be used in Canada and the U.S. but not outside North America.

What menu item is the fastest to redeem with a Tims Card?

Four packs of Timbits, a classic donut, a specialty donut, cookies, or hashbrowns are the lowest level for redemption at 300 points each.

What menu item gives you the most Tims Rewards?

Hash browns and dream donuts typically have the best value, although this may differ by location, as prices vary across Canada.

Do Tims Rewards expire?

Yes, Tims rewards expire after 12 months, so make sure to use them up within the year you accumulate them.

Who qualifies for a Tims Card?

To qualify, you will need to currently live in Canada, be the age of majority in the province in which you live, have the Tim Hortons app and be signed up as a Tims Rewards member.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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US Banks to See Modest Hit From Deal to Lower Swipe Fee by Visa, Mastercard

FILE PHOTO: People walk past the Visa logo at its booth during the first China International Supply Chain Expo (CISCE) in Beijing, China November 28, 2023. REUTERS/Florence Lo/File Photo

By Manya Saini

(Reuters) - U.S. banks could see a modest hit to their earnings due to the $30 billion settlement to limit credit and debit card fees for merchants by payments networks Visa and Mastercard, Wall Street analysts said.

The antitrust settlement announced on Tuesday is one of the largest in U.S. history. If approved by court, it would resolve most claims in a nationwide litigation that began nearly two decades ago.

Swipe or interchange fees, paid by merchants, typically includes small fixed fees plus a percentage of total sale amounts, and averages about 1.5% to 3.5% per transaction, according to Bankrate.com.

"On a preliminary basis, we estimate the impact at around 1%-2% of EPS before any mitigation efforts using retail card volumes, but interchange fees can vary significantly by transaction," J.P.Morgan said in a note.

POTENTIAL RISKS

Brokerage Evercore ISI said the move to reduce and cap interchange fees impacts issuing banks that generate revenue through the charges and will not be financially material to Visa and Mastercard.

"The removal of anti-steering restrictions and by enabling competitive pricing, we could see merchants encouraging more cash transactions or cheaper debit transactions," it said.

As part of the settlement terms, Visa and Mastercard have agreed to reduce swipe rates by at least four basis points - 0.04 percentage points - for three years, and ensure an average rate that is seven basis points below the current average for five years.

Wall Street analysts expect banks to absorb a large part of the revenue loss by sharing the impact with both card networks and trimming reward expense.

Cards are among the most lucrative and stable streams of revenue for lenders, but most large banks do not disclose what they charge as interchange fees and the amount typically varies according to the card type.

"Small banks and credit unions may object to this deal or try to fight it. This is because it could give Walmart or another big retailer the ability to cut a deal with a mega bank for a credit card that provides a discount when used at checkout," TD Cowen analysts said in a note.

The brokerage flagged the settlement as a potential risk to Capital One's $35 billion deal for Discover Financial, which is expected to face tough anti-trust scrutiny.

"A bigger Capital One could try to use its card issuance advantage to lock in discounts to further expand its customer base," it said.

(Reporting by Manya Saini in Bengaluru; Editing by Arun Koyyur)

Copyright 2024 Thomson Reuters .

Tags: United States

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Visa and Mastercard agree $30bn settlement over US transaction fees

Sellers will be able to charge different prices to consumers based on the card they use.

Visa and Mastercard have agreed to cut their US transaction fees in a landmark settlement that merchants say will save them $30 billion (€27.7 billion) over five years. Photograph: Bryan O'Brien/The Irish Times

Visa and Mastercard have agreed to cut their US transaction fees in a landmark settlement that merchants say will save them $30 billion (€27.7 billion) over five years.

The deal, announced on Tuesday, will require the payments companies to lower the so-called swipe fees they charge sellers over the next five years.

It will also allow merchants to charge different prices to consumers based on which credit card they use.

The settlement does not include a requirement for merchants to pass on the savings from lower fees to consumers.

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The agreement concludes a long-running case brought by merchants, which alleged the credit card companies inflated payment processing fees.

Lawyers for the merchants called the settlement one of the largest ever for a class-action antitrust suit, although the agreement does not require Visa and Mastercard to make payments upfront.

Instead, the companies agreed to reduce sellers’ swipe fees by at least 0.04 percentage points for a minimum of three years and to hold swipe fees at or below the rates posted at the end of last year for the next five years.

Mastercard, Visa and other credit card processors had previously agreed to pay $5.6bn to US merchants under a separate settlement, which did not cap future fees.

“These are extraordinary concessions by Visa, Mastercard and the banks,” said Jaret Seiberg, an analyst at brokerage TD Cowen, who added that the settlement could represent a threat to credit card rewards and small banks as merchants gained the ability to steer customers to preferred credit cards.

Swipe fees – otherwise known as interchange fees – have long been a point of contention between merchants and credit card companies.

Fees are set by the payment network operators, Mastercard and Visa, as a percentage of each transaction and can be as high as 3 per cent. Mastercard and Visa then split the fees received with the banks that issue the cards and the tech firms that facilitate the payments.

Merchants are currently able to charge an extra fee for consumers who use American Express cards, but Visa and Mastercard have blocked sellers from doing so for their users.

Even cards from the same issuer can carry different fees for merchants based on the rewards such as airline miles or cashback that the cards offer consumers. Merchants will for the first time be able to customers different rates for all cards, rather than being able to differentiate based only on the credit card network.

“By negotiating directly with merchants, we have reached a settlement with meaningful concessions that address true pain points small businesses have identified,” said Kim Lawrence, president of Visa North America.

Rob Beard, chief legal officer, general counsel and head of global policy at Mastercard, said: “This agreement brings closure to a long-standing dispute by delivering substantial certainty and value to business owners, including flexibility in how they manage acceptance of card programmes.”

Credit card companies have come under increasing pressure by regulators to lower the rates they charge for processing transactions.

Credit card processing fees tend to be higher in the US than in the EU, where they are capped.

Last year, UK regulators proposed to reintroduce a cap on cross-border card fees, after Mastercard and Visa ramped up charges on businesses after Brexit.

In the US, lawmakers have renewed an earlier effort to pass the Credit Card Competition Act, which would give merchants more flexibility to choose their payment networks. In October, the Fed found payment card networks in the US charged nearly $32 billion in interchange fees in 2021, up almost a fifth on the previous year.

Shares in Visa and Mastercard were trading close to flat in New York on Tuesday morning. – Copyright The Financial Times Limited 2024

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