TD Rewards: Complete Guide to Earning, Redeeming & Maximizing TD Rewards Points
Learn how TD Rewards works, how to earn TD Rewards Points, redeem them for travel, Amazon and Starbucks, check your balance, and get more value from your points.
If your credit card is going to watch you spend money, it might as well bring a few points home from the shopping trip.
That is where TD Rewards comes in.
TD Rewards is a loyalty program associated with eligible TD credit cards in Canada. Cardholders can earn TD Rewards Points on eligible purchases and redeem those points for travel, purchases, statement credits, and other rewards.
But there is more to TD Rewards than simply collecting points and hoping they magically turn into a vacation.
In this guide, we’ll explain how TD Rewards works, how to earn TD Rewards Points, how to redeem them, how much they’re worth, where to use them, and practical ways to get more value from your points.
What Is TD Rewards?
TD Rewards is a rewards program offered with eligible TD credit cards in Canada.
Instead of receiving nothing after spending on everyday purchases, eligible cardholders can earn TD Rewards Points that can later be redeemed through available redemption options.
Depending on the TD card you have, you may earn points on categories such as:
- Travel booked through Expedia For TD
- Groceries
- Dining
- Public transit
- Recurring bill payments
- Streaming services
- Digital gaming and media
- Eligible foreign-currency purchases
- Other everyday purchases
The exact earning rate depends on the particular TD Rewards credit card you hold.
In other words, TD Rewards can turn ordinary spending into a points-earning opportunity.
Your grocery run doesn’t become a glamorous financial event—but at least your credit card gets something out of it.
How Do TD Rewards Points Work?
The basic TD Rewards system is straightforward:
Spend → Earn TD Rewards Points → Redeem Points → Enjoy the Reward
However, the number of points you earn depends on your card and the type of purchase.
For example, TD currently lists different earning rates for cards including the TD First Class Travel Visa Infinite Card, TD Platinum Travel Visa Card, TD Rewards Visa Card, and TD Business Travel Visa Card.
How Do You Earn TD Rewards Points?
One of the biggest reasons people search for TD Rewards is simple:
How can I earn more points?
The answer starts with knowing your card’s earning categories.
According to TD, eligible cards can earn different amounts depending on where you spend. For example, TD’s current earning table lists accelerated categories such as groceries, dining, public transit, recurring bills, streaming, digital gaming and media, and Expedia For TD purchases.
1. Use Your Card for Everyday Purchases
Eligible purchases can earn TD Rewards Points, allowing everyday spending to contribute toward your rewards balance.
Instead of using your card randomly, consider understanding where it provides accelerated earning.
That way, you’re not just spending—you know what you’re earning from the spending you’re already planning to do.
2. Maximize Bonus Categories
Bonus categories can be particularly useful.
For example, if your specific TD card awards additional points on groceries or dining, using that card for qualifying purchases can increase the number of points you collect compared with purchases earning only the base rate.
Always check the current terms for your specific card because earning rates and eligible categories can change.
3. Use Expedia For TD When Appropriate
Travel can be an important part of the TD Rewards ecosystem.
TD currently lists elevated earning rates for eligible purchases made through Expedia For TD on certain cards.
That can make Expedia For TD particularly relevant for TD travel-card users.
TD Rewards Credit Cards and Earning Rates
TD offers multiple cards connected with its rewards ecosystem, and the earning structure varies.
Here is a simplified snapshot of the earning rates TD currently publishes:
| Purchase Category | TD First Class Travel Visa Infinite | TD Platinum Travel Visa | TD Rewards Visa |
| Expedia For TD | 8 pts/$1 | 6 pts/$1 | 4 pts/$1 |
| Groceries | 6 pts/$1 | 4.5 pts/$1 | 3 pts/$1 |
| Dining & Public Transit | 6 pts/$1 | 4.5 pts/$1 | 3 pts/$1 |
| Recurring Bills/Streaming/Digital Media | 4 pts/$1 | 3 pts/$1 | 2 pts/$1 |
| Other purchases | 2 pts/$1 |
These rates are based on TD’s current published information and can change, so check the terms for your specific card before making spending decisions.
Important: Earning more points isn’t automatically the same thing as getting more value. The redemption method you choose also matters.
How Much Are TD Rewards Points Worth?
This is one of the most important questions for anyone collecting TD Rewards Points.
The answer depends on how you redeem them.
TD currently states that when using its Pay Off Purchases feature, the redemption rate is:
- Travel purchases: $1 = 225 TD Rewards Points
- Everyday purchases: $1 = 400 TD Rewards Points
How to Redeem TD Rewards Points
TD provides several ways for eligible cardholders to redeem TD Rewards Points.
Current options include:
1. Expedia For TD
You can use TD Rewards Points toward eligible travel bookings through Expedia For TD.
TD says points can be used toward flights, hotels, car rentals, attractions, and other travel purchases.
2. Amazon.ca
Eligible cardholders can enroll their TD credit card in Amazon’s Shop with Points program and use TD Rewards Points toward eligible Amazon.ca purchases.
3. Starbucks
Eligible TD cardholders can link their card to Starbucks Rewards and redeem TD Rewards Points for Starbucks Stars.
TD currently states that the minimum redemption for this option is 700 TD Rewards Points.
4. Pay Off Purchases
You can use TD Rewards Points toward eligible purchases that have appeared on your recent TD credit-card statements.
TD says eligible purchases can come from your past three statements, including the current statement.
5. Pay Down Your Balance
Eligible customers can also redeem TD Rewards Points toward their TD credit-card balance through the TD app or EasyWeb.
Can You Use TD Rewards Points for Travel?
Yes.
Travel is one of the major redemption options associated with TD Rewards.
Through Expedia For TD, eligible TD cardholders can redeem points toward travel purchases.
TD states that travelers can use TD Rewards Points for:
- Flights
- Hotels
- Car rentals
- Attractions
- Other eligible travel bookings
You can use points for part or all of an eligible booking.
How to Redeem TD Rewards Points for Travel
The general process is:
- Sign in to Expedia For TD.
- Select your trip.
- Proceed to the billing page.
- Choose the option to use TD Rewards Points.
- Enter the amount of points you want to redeem.
- Complete your booking.
TD currently states that Expedia For TD travel redemptions are made in 200-point increments, with a minimum redemption of 200 points.
Can You Use TD Rewards Points at Amazon?
Yes, eligible TD Rewards cardholders can use TD Rewards Points through Amazon.ca Shop with Points.
To use this option, you need to enroll your eligible TD credit card in Amazon’s Shop with Points program.
After enrollment, you can shop on Amazon.ca and choose to use your TD Rewards Points at checkout for eligible purchases.
This can be convenient if you’d rather turn your points into something you actually need instead of letting them sit around collecting digital dust.
TD Rewards and Starbucks
Coffee lovers have another redemption option.
Eligible TD Rewards cardholders can link their TD credit card to their Starbucks Rewards account and redeem TD Rewards Points for Starbucks Stars.
TD currently says you need at least 700 TD Rewards Points to redeem points for Stars.
There is also an earning benefit for eligible linked TD cards: TD says cardholders can earn 50% more TD Rewards Points plus more Starbucks Stars at Starbucks, subject to applicable conditions.
How to Pay Off Purchases With TD Rewards Points
One of the useful features of TD Rewards is the ability to apply points toward eligible purchases.
According to TD, you can:
- Log in to the TD app or EasyWeb.
- Select your eligible TD Rewards credit card.
- Choose Pay Off Purchases.
- Select an eligible purchase from your recent statements.
- Choose how many points you want to redeem.
- Confirm the redemption.
TD says the credit is applied to the account within two business days, while the rewards balance is updated immediately.
This can be useful if you prefer reducing an existing purchase rather than saving your points for a specific reward.
How to Pay Down Your TD Credit Card Balance
Another option is applying your TD Rewards Points toward your credit-card balance.
Through the TD app or EasyWeb, eligible cardholders can access the Pay Down Balance option.
TD’s current instructions involve selecting the card, entering the amount to redeem, reviewing the transaction, and confirming the payment. The points balance updates immediately, while the payment may take up to two business days to appear in the account.
This option is particularly straightforward for people who prefer a simpler redemption instead of shopping for rewards.
How to Check Your TD Rewards Points Balance
Wondering how many TD Rewards Points you have?
TD says you can view your points balance and transaction information through:
- The TD mobile app
- EasyWeb
- The TD Rewards section associated with your eligible card
To access TD Rewards:
- Log in to the TD app or EasyWeb.
- Select your eligible TD Rewards credit card.
- Open My TD Rewards.
- Browse your points balance, transactions, and redemption options.
This is also a good place to check how you’re earning points rather than relying on memory.
Because, let’s be honest, remembering every purchase category is a job nobody applied for.
Do TD Rewards Points Expire?
According to TD, TD Rewards Points don’t expire as long as the account remains open, active, and in good standing and the agreement has not ended.
That means you generally don’t have to panic-redeem your points simply because you think they are about to disappear at midnight.
However, always review your cardholder agreement and current TD terms because account status and program conditions matter.
Ways to Get More Value From TD Rewards
Collecting points is only half the game.
The other half is using them intelligently.
1. Understand Your Card’s Bonus Categories
Different TD Rewards cards have different earning structures.
Before choosing which card to use for a purchase, understand whether the transaction falls into a bonus category.
2. Compare Redemption Options
Don’t assume every redemption method provides the same value.
For example, TD currently lists different redemption rates for travel and everyday purchases under its Pay Off Purchases feature.
Do the math before redeeming a large balance.
3. Consider Travel Redemptions
If you travel regularly, compare the value of using your points toward eligible travel versus everyday purchases.
Travel can sometimes require fewer points per dollar under the published Pay Off Purchases rates.
4. Don’t Spend Just for Points
This is perhaps the most important rule.
If you spend $100 you didn’t need to spend just to earn a few hundred points, your credit card isn’t doing you a favour.
You’re doing the credit card a favour.
Use rewards as a bonus on spending you were already planning to make.
5. Watch for Special Offers
TD periodically offers promotions and card-specific opportunities that can affect how many points you earn.
Check your TD account and the terms of your specific card regularly.
Common TD Rewards Mistakes to Avoid
Mistake 1: Assuming Every TD Card Earns the Same
It doesn’t.
Earning rates differ among TD Rewards credit cards.
Mistake 2: Ignoring Redemption Values
A large points balance doesn’t automatically mean a large reward.
Always check how many points are required for the redemption you’re considering.
Mistake 3: Spending More Just to Earn Points
Rewards are only useful when they complement responsible spending.
Don’t buy things you don’t need simply because your credit card whispers, “But… points.”
Mistake 4: Forgetting Your Points Balance
Checking your balance regularly makes it easier to spot earning activity and plan redemptions.
Mistake 5: Not Reading the Terms
Rewards programs can change.
Always check TD’s current terms, eligibility requirements, earning categories, and redemption conditions before making a major decision.
Frequently Asked Questions About TD Rewards
What are TD Rewards Points?
TD Rewards Points are loyalty points earned through eligible TD Rewards credit cards. They can be redeemed through several options, including travel, shopping, Starbucks and eligible credit-card purchases.
How do I earn TD Rewards Points?
You earn TD Rewards Points by making eligible purchases with an eligible TD Rewards credit card. The number of points earned depends on your card and purchase category.
How do I redeem TD Rewards Points?
You can redeem points through available options such as Expedia For TD, Amazon.ca, Starbucks, Pay Off Purchases and Pay Down Balance, depending on eligibility.
Can TD Rewards Points be used for travel?
Yes. Eligible cardholders can use TD Rewards Points toward travel through Expedia For TD and can also use the Pay Off Purchases feature for eligible travel purchases.
Can I use TD Rewards Points on Amazon?
Yes. Eligible TD Rewards cardholders can enroll in Amazon.ca Shop with Points and use TD Rewards Points toward eligible purchases.
Can I use TD Rewards Points at Starbucks?
Yes. Eligible TD cardholders can link their card to Starbucks Rewards and redeem TD Rewards Points for Starbucks Stars.
Do TD Rewards Points expire?
TD says TD Rewards Points do not expire as long as the account remains open, active and in good standing and the applicable agreement has not ended.
How many TD Rewards Points equal $1?
The value depends on the redemption method. For TD’s Pay Off Purchases feature, TD currently lists 225 points for $1 of travel purchases and 400 points for $1 of everyday purchases.
Where can I check my TD Rewards balance?
You can check your balance through the TD mobile app or EasyWeb by accessing the TD Rewards section associated with your eligible card.
Final Thoughts on TD Rewards
TD Rewards can be a useful way to turn eligible everyday spending into points that can eventually be used for travel, shopping, Starbucks rewards, statement credits and other redemption options.
The key isn’t simply earning as many TD Rewards Points as possible.
It’s understanding how your specific TD credit card earns points, which redemption options are available, and how much value you’re getting when you redeem.
If you already use a TD Rewards credit card for purchases you would make anyway, keeping an eye on bonus categories and redemption rates can help you make better use of the rewards you accumulate.
And remember: points are a bonus, not a reason to spend money you don’t have.
A free coffee is nice.
A credit-card bill you can’t afford because you wanted 300 extra points?
Not quite the reward anyone ordered.