Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
A no-fee TD Rewards card: 3x on groceries, dining, and transit (capped) and 4x on Expedia For TD travel — a fee-free way to earn TD Rewards.
TD clients who want a no-fee card and book travel via Expedia For TD.
People wanting bonus categories without an annual fee.
You want strong per-point value or transferable points.
You spend abroad (2.5% FX), or won't use Expedia For TD.
Watch-outs 3x caps at $5,000/year combined, then 1x. · Low point value (~0.5–0.8¢); 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.