Frequently Asked Questions About Expedia for TD

Yes, you can earn both types of points simultaneously, but the process requires specific steps. When booking through Expedia for TD, you'll earn TD Rewards points on your credit card purchase and through the portal's bonus structure. To also earn hotel loyalty points, you must add your hotel loyalty number to the reservation either during booking or by contacting the hotel directly before check-in. Major chains like Marriott, Hilton, and IHG honor loyalty points for third-party bookings, though you may not receive elite status benefits like room upgrades or late checkout. According to a 2023 study by Cornell University's hospitality school, approximately 73% of hotels credit loyalty points for OTA bookings when the member number is properly attached. However, some boutique hotels and smaller chains may not offer points on discounted rates booked through third parties, so verify the specific property's policy before assuming you'll earn double rewards.

Point refunds depend on whether you paid with cash, points, or a combination. For cash bookings where you earned points, those points typically post to your account 1-2 billing cycles after purchase and won't be reversed if you cancel, though you'll lose any bonus points that were contingent on trip completion. For trips booked entirely with points, cancelled reservations result in points being returned to your account within 5-10 business days, though some hotels and airlines impose cancellation fees that may be deducted from your refund. Hybrid bookings (points plus cash) refund each component separately—cash returns to your credit card in 7-14 days while points return to your rewards balance. If you cancel within 24 hours of booking a flight, federal DOT regulations require a full refund with no penalties, and TD must restore all points. Keep documentation of your cancellation confirmation, as point restoration disputes can take 30-45 days to resolve through TD's customer service process, as detailed on our about page.

No, TD Rewards operates without traditional blackout dates because you're booking through Expedia's live inventory rather than award seat allocations. If a hotel room or flight appears in search results with a price, you can book it using points, cash, or a combination. This differs fundamentally from airline frequent flyer programs where award seats are limited and blackout dates around holidays are common. However, you may encounter practical limitations: during peak travel periods like Thanksgiving week or Christmas, prices increase substantially, meaning you'll need more points for the same booking. Additionally, TD-exclusive discounted rates may have limited availability during high-demand periods. A $200 hotel room that requires 20,000 points in January might cost $450 (45,000 points) during spring break. The points required scale with cash prices, so while there are no formal blackouts, economic reality creates similar constraints. For maximum value, book 8-12 weeks in advance for popular destinations and consider shoulder season travel when your points stretch 30-50% further.

Points from travel purchases post to your TD Rewards account within 2-3 billing statement cycles, which translates to 60-90 days for most cardholders. This timeline applies to the base points earned on your credit card transaction. However, bonus points from promotional offers or TD-exclusive deals may take an additional 30-45 days beyond the base posting period. For example, if you book a hotel in January during a 5x points promotion, your standard points might appear in March, while the bonus points could arrive in April. You can track pending points by logging into your TD account and viewing the rewards activity section, which shows transactions that haven't yet posted. If points don't appear within 120 days of your statement closing date, contact TD Rewards customer service at 1-800-983-8472 with your booking confirmation number and credit card statement showing the charge. According to TD's terms of service, they have 60 days to investigate missing points claims, though most resolve within 2-3 weeks. Our index page contains additional information about points tracking and account management.

No, TD Rewards points are not transferable to airline frequent flyer programs or hotel loyalty programs. This is a fixed-value rewards program where points can only be redeemed through TD's portal for travel, merchandise, gift cards, statement credits, or charitable donations. The redemption value ranges from 0.5 cents per point for merchandise to approximately 1.0 cent per point for travel bookings. This differs from transferable points programs like Chase Ultimate Rewards or American Express Membership Rewards, which allow 1:1 transfers to airline partners. The advantage of TD's system is simplicity and consistent value—you don't need to learn multiple airline award charts or worry about devaluations when programs change their transfer ratios. The disadvantage is less flexibility for travelers who prefer specific airlines or have elite status with particular hotel chains. If maximizing airline miles is your priority, consider the TD Aeroplan Visa Infinite Card instead, which earns Aeroplan points directly rather than TD Rewards points. Those Aeroplan points can be used on Air Canada and Star Alliance partners with potentially higher value for premium cabin redemptions.

Travel insurance coverage depends on which TD credit card you use to complete the booking, not on the Expedia for TD portal itself. Premium TD cards like the First Class Travel Visa Infinite include comprehensive travel insurance: trip cancellation and interruption coverage up to $1,500 per insured person, baggage loss coverage up to $1,000, flight delay coverage after 4 hours, and emergency medical coverage up to $1 million for trips outside your province. However, these benefits only apply when you charge the entire trip to your TD card—partial payments or points redemptions may void coverage. The TD Rewards Visa (no annual fee version) includes minimal coverage, typically just purchase protection and extended warranty, without trip-specific insurance. Before relying on credit card insurance, read your certificate of insurance carefully, as exclusions apply for pre-existing medical conditions, adventure activities like scuba diving, and destinations under travel advisories. The National Association of Insurance Commissioners provides a comparison tool showing that credit card travel insurance saves consumers an average of $127 per trip compared to purchasing separate policies, but may have lower coverage limits than standalone travel insurance products.

Price differences occur for several reasons related to how the TD portal integrates with Expedia's inventory system. First, Expedia for TD sometimes displays exclusive member rates that are 5-15% lower than public prices, marked with a special TD badge. These negotiated rates are part of TD's partnership agreement and aren't available to general Expedia users. Second, the TD portal may cache prices for 30-60 minutes while the main Expedia site updates in real-time, creating temporary discrepancies during periods of rapid price changes. Third, some properties offer different cancellation policies through the TD portal (more restrictive in exchange for lower prices), which affects the displayed rate. Fourth, currency conversion timing can create apparent differences—if you're viewing one site in USD and another in CAD without realizing it. Always compare both sites before booking, and if the regular Expedia site shows a significantly lower price (more than 5% difference), you can book there using your TD card to earn points, though you'll miss TD-exclusive bonuses. According to consumer advocacy research from MIT, price variation across booking platforms averages 8-12% for identical hotel rooms, so comparison shopping remains essential even within the same brand family.