Unlock premium perks and rewards with top-tier TD credit cards, tailored for savvy Canadian spenders.
Toronto-Dominion Bank (TD) is one of Canada’s Big Five banks, with branches across the country and a wide range of financial products including TD credit cards. TD cards include offers for all credit types and reward preferences, such as Aeroplan, TD Rewards, and cash back (and don't forget great low APR options, either).
TD credit cards are always popular with Canadians; perhaps that's why TD cards are ever-popular on our best credit cards Canada list. Browse and compare your best TD credit card options below.
Overview of the 3 best TD Bank credit cards
TD® Aeroplan® Visa Infinite Privilege* Card
Earn up to $3,000 in value† including up to 85,000 Aeroplan points†. Conditions Apply. Offer effective as of January 7, 2025.
$599 Annual Fee
Excellent Recommended Credit Score
$150,000 Required Annual Personal Income
TD Cash Back Visa Infinite* Card
Up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions Apply. Offer effective as of January 7, 2025.
$139 Annual Fee
Excellent Recommended Credit Score
$60,000 Required Annual Personal Income
TD First Class Travel® Visa Infinite* Card
Up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†.
$139 Annual Fee
Good Recommended Credit Score
$60,000 Required Annual Personal Income
Best TD credit card in Canada
up to $3000 in value
Welcome Bonus
$3,067
First Year Value
$67
Annual Value
Welcome Bonus: Earn up to $3,000 in value† including up to 85,000 Aeroplan points†. Conditions Apply. Offer effective as of January 7, 2025.
Get this card if you...
-
want exclusive travel perks like lounge access
-
want to maximize your Aeroplan points with great offers
-
want comprehensive travel insurance to ensure peace of mind
Annual Fee & Annual Interest Rates
$599
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
-
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a NEXUS application fee rebate, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights, and access to select airport lounges; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
TD® Aeroplan® Visa Infinite Privilege* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
-
Pros
-
Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
-
Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
-
Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
-
High Aeroplan® earn rates, double points on eligible Air Canada purchases
-
Extensive travel insurance benefits
-
Free checked bags on Air Canada
-
Preferred Pricing on Aeroplan® flight rewards
-
Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
-
Up to $100 CAD NEXUS credit†
-
Troon Rewards Platinum status benefit
Cons
-
Steep annual fee of $599
-
High eligibility requirements ($150,000 personal or $200,000 household income)
-
Additional cardholder fee of $199
-
High-value rewards mainly for Air Canada flights
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
Fees
$599
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, groceries, travel and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you provide your Aeroplan number to Aeroplan partner brands and on the Aeroplan eStore
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Get a NEXUS application fee rebate up to $100 (CAD) every 48 months.†
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
-
Earn up to $3,000 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Additional Travel Benefits
Enroll for NEXUS and once every 48 months get a partial application fee rebate†
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Our Take
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a NEXUS application fee rebate, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights, and access to select airport lounges; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
TD® Aeroplan® Visa Infinite Privilege* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Pros
-
Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
-
Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
-
Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
-
High Aeroplan® earn rates, double points on eligible Air Canada purchases
-
Extensive travel insurance benefits
-
Free checked bags on Air Canada
-
Preferred Pricing on Aeroplan® flight rewards
-
Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
-
Up to $100 CAD NEXUS credit†
-
Troon Rewards Platinum status benefit
Cons
-
Steep annual fee of $599
-
High eligibility requirements ($150,000 personal or $200,000 household income)
-
Additional cardholder fee of $199
-
High-value rewards mainly for Air Canada flights
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
Fees
$599
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards Aeroplan
2 points†
Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.
1.5 points†
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, groceries, travel and dining purchases.
1.25 points†
Earn 1.25 points† for every $1 you charge to your Card on all other purchases.
6
Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x
Earn points twice when you provide your Aeroplan number to Aeroplan partner brands and on the Aeroplan eStore
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Get a NEXUS application fee rebate up to $100 (CAD) every 48 months.†
1st
Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.
10%
Get 10% savings at Avis and Budget in North America, 5% off internationally†
Insurance Benefits
$1,500
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to $3,000 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card†
Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Additional Travel Benefits
Enroll for NEXUS and once every 48 months get a partial application fee rebate†
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
The TD® Aeroplan® Visa Infinite Privilege* Card is one of the best travel credit cards out there, and it’s also your ticket to a lavish journey with an incredible earn rate on Aeroplan® points. While the “privilege” cards bring a host of luxury travel perks, its annual fee is $599, making it on the high end of travel credit cards.
If you’re a jet-setter who fancies the finer aspects of travel, this fee is but a small fare to a realm of upscale travel benefits (think Airport lounge access, priority check-ins) and substantial insurance coverage. The TD® Aeroplan® Visa Infinite Privilege* Card is also crafted in metal.
Then there's the rewards:
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card
Disclosures:
This offer is not available for residents of Quebec. For Quebec residents, please click here.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
†Terms and conditions apply.
Best TD Visa cash back card
up to $600 in value
Welcome Bonus
$452
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions Apply. Offer effective as of January 7, 2025.
Get this card if you...
-
want to earn cash back on everyday purchases
-
want to redeem cash back at any time
-
appreciate a good welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The TD Cash Back Visa Infinite* Card is a cash back credit card offering elevated earn rates on gas, groceries, and recurring bill payments, with a standard rate on all other purchases. Cardholders benefit from perks such as a comprehensive roadside assistance package through the Deluxe TD Auto Club Membership and travel insurance coverage; however, the card carries an annual fee, and the elevated cash back rates are subject to a maximum spend limit, after which a lower rate applies.
TD Cash Back Visa Infinite* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
-
Pros
-
Solid welcome offer
-
High earn rate for 3 popular categories
-
Can use cash back right away
-
Useful automotive benefits
Cons
-
Maximum spend limit for 3% cash back
-
High annual fee for a cash back card
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$0
Over The Limit Penalty
-
Rewards cash back
3%
Earn 3% cash back on groceries, gas, and recurring bill payments†
1%
Earn 1% cash back on all other purchases†
50%
Earn 50% more Starbucks Stars when you link your TD card to your Starbucks account.†
Insurance Benefits
$1,000
Mobile device insurance amount
$65,000
Rental car insurance amount
-
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of January 7, 2025.
Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made†.
24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Our Take
The TD Cash Back Visa Infinite* Card is a cash back credit card offering elevated earn rates on gas, groceries, and recurring bill payments, with a standard rate on all other purchases. Cardholders benefit from perks such as a comprehensive roadside assistance package through the Deluxe TD Auto Club Membership and travel insurance coverage; however, the card carries an annual fee, and the elevated cash back rates are subject to a maximum spend limit, after which a lower rate applies.
TD Cash Back Visa Infinite* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Solid welcome offer
-
High earn rate for 3 popular categories
-
Can use cash back right away
-
Useful automotive benefits
Cons
-
Maximum spend limit for 3% cash back
-
High annual fee for a cash back card
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
$0
Over The Limit Penalty
Rewards cash back
3%
Earn 3% cash back on groceries, gas, and recurring bill payments†
1%
Earn 1% cash back on all other purchases†
50%
Earn 50% more Starbucks Stars when you link your TD card to your Starbucks account.†
Insurance Benefits
$1,000
Mobile device insurance amount
$65,000
Rental car insurance amount
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of January 7, 2025.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect. Starbucks Bonus Offer for New Linked Members†: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply. |
If you want your TD credit card to earn cash back for you at a sky-high rate, the TD Cash Back Visa Infinite* Card is your best choice. You’ll get a regular cashback rate of 3% on regularly recurring bill payments and eligible gas and grocery transactions†, and 1% on all other qualifying transactions†.
The TD Cash Back Visa Infinite* Card is also a great cash back credit card option because of its lucrative introductory promotion. Up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions Apply. Offer effective as of January 7, 2025..
No matter when you become a TD Cash Back Visa Infinite* Card member, you’ll always get access to free roadside assistance, through membership in the Deluxe TD Auto Club†, and travel perks that include travel medical insurance†, mobile device insurance†, auto rental loss or collision coverage† and baggage insurance†.
Disclosures:
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Best TD Visa rewards card
up to $50
Welcome Bonus
$253
First Year Value
$203
Annual Value
Welcome Bonus: Earn a value of $50† in TD Rewards Points† to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply. Offer effective as of January 7, 2025.
Get this card if you...
-
want to earn TD Rewards on everyday purchases
-
want a flexible rewards program
-
value a good welcome offer
Annual Fee & Annual Interest Rates
$0
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The TD Rewards Visa* Card is a no-annual-fee credit card offering TD Rewards Points on everyday purchases, with elevated rates for travel booked through Expedia® For TD, as well as on groceries, dining, and recurring bill payments. Cardholders benefit from flexible redemption options, including travel, merchandise, and statement credits.
TD Rewards Visa* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
-
Wide range of point redemption options, including travel†, Amazon.ca†, online retailers†, card statement credits†, etc.
-
Good rate of return on spending and redeeming via the travel platform Expedia® For TD†
-
Decent value for those that have a high volume of recurring bills
Cons
-
Point redemption values are moderate to poor
-
Low spending limits for earning extra points on groceries and restaurants
-
High credit score requirement
-
-
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards TD Rewards
4 Points
Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†
3 Points
Earn 3 TD Rewards Points for every $1 you spend on groceries and restaurants†
2 Points
Earn 2 TD Rewards Points for every $1 you spend on recurring bills†
1 Points
Earn 1 TD Rewards Point for every $1 you spend on all other purchases†
50%
Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†
Insurance Benefits
$1,000
Mobile device insurance amount
-
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply. Offer effective as of January 7, 2025.
Our Take
The TD Rewards Visa* Card is a no-annual-fee credit card offering TD Rewards Points on everyday purchases, with elevated rates for travel booked through Expedia® For TD, as well as on groceries, dining, and recurring bill payments. Cardholders benefit from flexible redemption options, including travel, merchandise, and statement credits.
TD Rewards Visa* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
Wide range of point redemption options, including travel†, Amazon.ca†, online retailers†, card statement credits†, etc.
-
Good rate of return on spending and redeeming via the travel platform Expedia® For TD†
-
Decent value for those that have a high volume of recurring bills
Cons
-
Point redemption values are moderate to poor
-
Low spending limits for earning extra points on groceries and restaurants
-
High credit score requirement
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards TD Rewards
4 Points
Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†
3 Points
Earn 3 TD Rewards Points for every $1 you spend on groceries and restaurants†
2 Points
Earn 2 TD Rewards Points for every $1 you spend on recurring bills†
1 Points
Earn 1 TD Rewards Point for every $1 you spend on all other purchases†
50%
Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†
Insurance Benefits
$1,000
Mobile device insurance amount
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply. Offer effective as of January 7, 2025.
The TD Rewards Visa* Card is a $0 annual fee travel credit card that’s easy to qualify for. Earn TD Rewards Points on all the things you normally do, whether you use your card for groceries, dining or paying bills. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.
The TD Rewards Visa also allows you to enjoy:
- Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.
- Mobile device insurance of up to $1,000 if you lose or damage your phone.
- Booking your travel through Expedia® For TD† to maximize the TD Rewards Points you can earn on your travel purchases.
- No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
- Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
Other travel-related perks for TD Rewards Visa* Card members include a 5%-10% discount on Budget and Avis car rental worldwide†. Extended warranty and purchase protection†, mobile device insurance† and TD Fraud Alerts† are all part of the package too.
Disclosures:
This offer is not available for residents of Quebec. For Quebec residents, please click here.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
†Terms and conditions apply.
Best TD credit card for travel
up to $1,000
Welcome Bonus
$468
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.
Get this card if you...
-
are a frequent traveler and prefer Expedia for bookings
-
want comprehensive travel insurance to ensure peace of mind
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
TD First Class Travel® Visa Infinite* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
-
Pros
-
Major combined value for the welcome bonus (up to $1,000 in value)†
-
Good base earn rate on all purchases
-
Huge earn rate when you book travel through Expedia® For TD†
-
Very flexible redemption options
-
$100 TD Travel Credit†
-
Visa Infinite Benefits
-
Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
Cons
-
Does not provide free lounge access
-
Charges foreign transaction fees
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through ExpediaForTD†
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants.†
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on recurring bill payments.†
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10% Bonus Points
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
$100
Get an annual TD Travel Credit when you book at Expedia For TD†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
-
Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Starbucks Bonus Offer for New Linked Membersx: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
TD First Class Travel® Visa Infinite* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
Major combined value for the welcome bonus (up to $1,000 in value)†
-
Good base earn rate on all purchases
-
Huge earn rate when you book travel through Expedia® For TD†
-
Very flexible redemption options
-
$100 TD Travel Credit†
-
Visa Infinite Benefits
-
Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
Cons
-
Does not provide free lounge access
-
Charges foreign transaction fees
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through ExpediaForTD†
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants.†
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on recurring bill payments.†
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10% Bonus Points
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
$100
Get an annual TD Travel Credit when you book at Expedia For TD†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Starbucks Bonus Offer for New Linked Membersx: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Frequent travellers should check out the TD First Class Travel® Visa Infinite* Card. Cardholders get access to the TD Rewards booking system, which is backed by Expedia, one of the largest travel providers in the world. That means you can use your points on flights, hotels, car rentals, vacation packages, attraction tickets and more directly from Expedia for TD.
Using your points on travel booked outside of Expedia for TD is also possible, but you’ll get a lower value for your points.
The travel benefits with TD’s flagship travel card are impressive. Every year, you get an annual TD Travel Credit† of $100 when you book at Expedia® For TD, as well as a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†. You also get comprehensive travel insurance that covers medical expenses, trip delays, trip cancellations, lost baggage, auto rental collisions/loss damage, and more.
Disclosures:
This offer is not available for residents of Quebec. For Quebec residents, please click here .
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
† Terms and conditions apply.
Best TD credit card for low interest
$0
First Year Value
$0
Annual Value
Get this card if you...
-
want a low interest rate for both purchases and cash advances
-
want to avoid paying a high annual fee
-
have a low credit score
Annual Fee & Annual Interest Rates
$25
Annual Fee
12.9%
Purchase
12.9%
Cash Advance
-
Our Take
The TD Low Rate Visa* Card is designed for individuals who may carry a balance, offering a lower annual interest rate on purchases and cash advances compared to standard credit cards. It carries an annual fee and does not offer a rewards program, but provides benefits such as purchase security and extended warranty protection, as well as discounts on car rentals at select Avis and Budget locations.
TD Low Rate Visa* Card ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
-
Pros
-
A low annual interest rate on purchases and cash advances
-
Earn 50% more Stars at participating Starbucks
-
Enjoy discounted rental cars at select Avis and Budget dealers
-
Extended warranty and purchase security
-
Take advantage of TD Purchase Plan for purchases of $100 or more
-
Option to purchase a TD Auto Club Membership, as well as Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†
-
Those with a low credit score may be eligible for the card
Cons
-
No reward points
-
Only comes with basic insurance, other insurance must be purchased for an additional cost
-
-
Annual Interest Rates
12.9%
Purchase
12.9%
Cash Advance
Fees
$25
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards
10%
savings off the lowest available base rate in Canada at Avis and Budget Rent A Car.
50%
More Stars at participating Starbucks® stores. Conditions apply.
-
Our Take
The TD Low Rate Visa* Card is designed for individuals who may carry a balance, offering a lower annual interest rate on purchases and cash advances compared to standard credit cards. It carries an annual fee and does not offer a rewards program, but provides benefits such as purchase security and extended warranty protection, as well as discounts on car rentals at select Avis and Budget locations.
TD Low Rate Visa* Card ReviewEligibility
Fair (300 - 619)
Recommended Credit Score
Pros
-
A low annual interest rate on purchases and cash advances
-
Earn 50% more Stars at participating Starbucks
-
Enjoy discounted rental cars at select Avis and Budget dealers
-
Extended warranty and purchase security
-
Take advantage of TD Purchase Plan for purchases of $100 or more
-
Option to purchase a TD Auto Club Membership, as well as Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†
-
Those with a low credit score may be eligible for the card
Cons
-
No reward points
-
Only comes with basic insurance, other insurance must be purchased for an additional cost
Annual Interest Rates
12.9%
Purchase
12.9%
Cash Advance
Fees
$25
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards
10%
savings off the lowest available base rate in Canada at Avis and Budget Rent A Car.
50%
More Stars at participating Starbucks® stores. Conditions apply.
The TD Low Rate Visa* Card offers one of the very best introductory APRs that isn't 0%:
With everyday use the interest rate on purchases (12.9%) is very competitive (as is the 12.9% cash advance APR). The card does carry an annual fee of $25, but again, that fee is competitive with other options from the Big 5.
Disclosures:
- †Terms and conditions apply.
- The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.† Terms and conditions apply.
Best TD US dollar card
$0
First Year Value
$0
Annual Value
Get this card if you...
-
travel to the US often and want to avoid paying an fx fee
-
want basic insurance benefits
-
want to avoid paying a high annual fee
Annual Fee & Annual Interest Rates
$39
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
-
Our Take
The TD U.S. Dollar Visa Card is designed for Canadians who frequently make purchases in U.S. dollars, allowing them to avoid foreign transaction fees by paying directly in U.S. currency. This card is particularly beneficial for those with U.S. dollar income or expenses, such as snowbirds or online shoppers, offering the convenience of paying in U.S. dollars without currency conversion hassles.
TD U.S. Dollar Visa* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
-
Pros
-
No foreign currency conversion rates and fees.
-
Insurance coverages for travel and shopping.
-
Digital wallet compatibility with Apple Pay and Samsung Pay.
-
Option to waive the annual fee with the TD Borderless Plan.
Cons
-
$39 annual fee.
-
No reward points or cashback.
-
-
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$39
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards
N/A
There are no reward offerings with this card.
Insurance Benefits
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
Our Take
The TD U.S. Dollar Visa Card is designed for Canadians who frequently make purchases in U.S. dollars, allowing them to avoid foreign transaction fees by paying directly in U.S. currency. This card is particularly beneficial for those with U.S. dollar income or expenses, such as snowbirds or online shoppers, offering the convenience of paying in U.S. dollars without currency conversion hassles.
TD U.S. Dollar Visa* Card ReviewEligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
-
No foreign currency conversion rates and fees.
-
Insurance coverages for travel and shopping.
-
Digital wallet compatibility with Apple Pay and Samsung Pay.
-
Option to waive the annual fee with the TD Borderless Plan.
Cons
-
$39 annual fee.
-
No reward points or cashback.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$39
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards
N/A
There are no reward offerings with this card.
Insurance Benefits
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
The TD U.S. Dollar Visa* Card isn't the most luxurious card; nor will it offer huge rewards like the TD® Aeroplan® Visa Infinite Privilege*. That said, it's still a great credit card to consider if you travel to the US often and want to avoid paying a foreign transaction fee to use your credit card for gas, dinner, or whatever it is you choose to spend your money on.
Beyond the lack of a fee on US dollar transactions, the US Dollar Visa also provides essential travel protections, like $500,000 in travel accident coverage, $5,000 in trip cancellation coverage, and rental car insurance.
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content
Best TD business card
Earn up to $997
Welcome Bonus
$286
First Year Value
$0
Annual Value
Welcome Bonus: Earn a value of up to $997 in TD Rewards Points (that's up to 150,000 TD Rewards Points) full Annual Fee Rebates in the first year. Conditions Apply.
Get this card if you...
-
travel frequently for business and want great travel perks
-
want comprehensive travel insurance to ensure peace of mind
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$149
Annual Fee
19.99%
Purchase
22.99%
Cash Advance
-
Our Take
The TD Business Travel Visa* Card is tailored for Canadian businesses with frequent travel needs, offering elevated TD Rewards Points on purchases made through Expedia® For TD, as well as on foreign currency transactions, dining, and recurring bills. Cardholders benefit from comprehensive insurance coverage, including travel medical and trip cancellation/interruption insurance, alongside business-oriented tools like the TD Card Management Tool and access to the Visa SavingsEdge program, which provides discounts on services such as Amazon Business and Google Ads.
TD Business Travel Visa* Card ReviewEligibility
Very Good (671 - 739)
Recommended Credit Score
-
Pros
-
High rewards rate: Earn up to 9 TD Rewards Points per $1 on travel bookings through ExpediaForTD.com.
-
Flexible redemption: No blackout dates or seat restrictions.
-
Comprehensive insurance: From travel medical to car rental coverage.
-
Special offers: Lucrative welcome bonuses and limited-time offers.
Cons
-
Annual fee: A $149 annual fee, though it's rebated in the first year.
-
-
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$149
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards TD Rewards
9
Earn 9 TD Rewards Points for every $1 you spend using ExpediaForTD.com
6
Earn 6 TD Rewards points for every $1 in foreign currency purchases and at restaurants and on recurring bills
2
Earn 2 TD Rewards Points for every $1 spent on all other purchases.
50%
Earn 50% more TD Rewards Points at Starbucks when you link your card with your Starbucks account.
Insurance Benefits
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
-
Earn a value of up to $997 in TD Rewards Points (that's up to 150,000 TD Rewards Points) full Annual Fee Rebates in the first year. Conditions Apply. Account must be opened and approved by September 3, 2024.
Our Take
The TD Business Travel Visa* Card is tailored for Canadian businesses with frequent travel needs, offering elevated TD Rewards Points on purchases made through Expedia® For TD, as well as on foreign currency transactions, dining, and recurring bills. Cardholders benefit from comprehensive insurance coverage, including travel medical and trip cancellation/interruption insurance, alongside business-oriented tools like the TD Card Management Tool and access to the Visa SavingsEdge program, which provides discounts on services such as Amazon Business and Google Ads.
TD Business Travel Visa* Card ReviewEligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
-
High rewards rate: Earn up to 9 TD Rewards Points per $1 on travel bookings through ExpediaForTD.com.
-
Flexible redemption: No blackout dates or seat restrictions.
-
Comprehensive insurance: From travel medical to car rental coverage.
-
Special offers: Lucrative welcome bonuses and limited-time offers.
Cons
-
Annual fee: A $149 annual fee, though it's rebated in the first year.
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$149
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards TD Rewards
9
Earn 9 TD Rewards Points for every $1 you spend using ExpediaForTD.com
6
Earn 6 TD Rewards points for every $1 in foreign currency purchases and at restaurants and on recurring bills
2
Earn 2 TD Rewards Points for every $1 spent on all other purchases.
50%
Earn 50% more TD Rewards Points at Starbucks when you link your card with your Starbucks account.
Insurance Benefits
$500,000
Travel accident insurance amount
$65,000
Rental car insurance amount
TD Bank offers several excellent business credit cards but the TD Business Travel Visa* is our pick thanks to its exceptional welcome offer, comprehensive travel insurance, and robust rewards on key business purchases.
First, the welcome offer:
- Earn a value of up to $997 in TD Rewards Points (that's up to 150,000 TD Rewards Points) full Annual Fee Rebates in the first year. Conditions Apply. Account must be opened and approved by September 3, 2024.
Then there's the rewards, including up to 9 TD Rewards Points using ExpediaForTD.com. You'll also earn 6 TD Rewards points on foreign currency purchases and at restaurants and on recurring bills and 2 TD Rewards Points on all other purchases..
Add to that insurance protection for travel accidents, lost or damaged baggage, delayed or cancelled flights, and rental cars and you have a great business card worth considering.
Disclosures:
†Terms and conditions apply.
This offer is not available for residents of Quebec.The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content
Best TD credit card for travel - runner up
up to $1,300
Welcome Bonus
$436
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply.
Get this card if you...
-
want to quickly rack up Aeroplan points
-
need comprehensive travel insurance benefits
-
value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
-
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights, and access to select airport lounges; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
TD® Aeroplan® Visa Infinite* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
-
Pros
-
The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
-
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
-
No airport lounge membership or free lounge access.
-
Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
-
-
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
-
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.
1
partial NEXUS application fee rebate every 48 months†
1st
checked bag free for you and up to 8 travel companions†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
-
Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no annual fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Enroll for NEXUS and once every 48 months get a partial application fee rebate†
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
Our Take
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights, and access to select airport lounges; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
TD® Aeroplan® Visa Infinite* Card ReviewEligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
-
The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
-
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
-
No airport lounge membership or free lounge access.
-
Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
$2.5
Foreign Transaction
3.00%
Balance Transfer
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
1 point†
Earn 1 point for every $1 you spend on all other purchases
2x
Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.
50%
Earn 50% more Aeroplan points at Starbucks when you link your card to your account. Conditions apply.
1
partial NEXUS application fee rebate every 48 months†
1st
checked bag free for you and up to 8 travel companions†
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no annual fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Enroll for NEXUS and once every 48 months get a partial application fee rebate†
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
While it misses out on the top spot to its bigger sibling, the TD® Aeroplan® Visa Infinite* Card is no slouch - not at all. The card is ideal for anyone who wants to quickly rack up Aeroplan points without the huge annual fee of the Visa Infinite Privilege Card.
The Visa Infinite features a $139 annual fee (Additional cardholder is $75† ; Get an annual fee rebate for the first year†), significantly lower than the VIP version. Despite that, the card comes with a solid welcome bonus and great rewards:
Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no annual fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Enroll for NEXUS and once every 48 months get a partial application fee rebate†
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
- Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
- Earn 1 point† for every $1 spent on all other Purchases made with your Card
- Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.†
Then there's the NEXUS credits, mobile device insurance, and the usual comprehensive travel coverage and protections you'd expect from an Aeroplan credit card from TD.
Disclosures:
- †Terms and conditions apply.
- The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.†Terms and conditions apply.
About TD Bank
TD Bank (officially Toronto-Dominion Bank) is a multinational bank based in Toronto. TD is the largest bank in Canada in terms of assets and market share, serving over 11 million customers at more than 1,000 branches worldwide. Along with TD Direct Investing and TD banking products, TD offers one of the best ranges of credit cards in Canada, including cash back, point, and airline mile rewards cards, cash back cards, no fee cards, low APR and balance transfer cards and business cards for all spending habits.
Expert tip: Use your TD card for gas at the pump in the US
Are you traveling to the United States and hoping to take your TD Rewards credit card with you to pay for gas for your vehicle? Most US gas pumps require a Zip Code, which might put some off from paying with their card - after all, Canadians don't have Zip Codes!
No worries: just use the three digits of your postal code (e.g., M4P 3A2 = 432) followed by two zeros (so our Zip Code would be 43200, for example) and you can to pay at the pump using your TD card.
There are a few different ways to get a TD credit card, but the easiest method is as follows:
- Browse the list of best TD credit cards and find a card you’re interested in.
- Click apply now.
- Log in to TD if you’re an existing client or start the application as a new customer.
- Enter your personal information.
- If you don’t get instant approval, call TD at 1-800-983-8472 and quote your application reference number.
- Provide additional details if required.
- Wait for your card to arrive.
- Activate your card .
Applying online is typically the easiest way to get a TD credit card, but you can also apply in person at a branch or via phone if you’re someone who prefers speaking to someone directly.
You can use your TD credit cards anywhere that accept Visa, the only card type TD issues.
Interest is charged on any amount you charge per month that isn’t repaid by the due date. How much interest you’ll pay depends on the card you have and the type of transaction. Typically, interest rates are 19.99% but can be higher for premium cards and lower for no-frills cards.
In order to reap the benefits of the TD rewards and benefits card, you need to meet the requirements of use, which can include minimum purchase amounts and/or maximum benefit amounts.
Depending on your unique needs and financial situation, you may qualify for some cards and not others. To know which card is best for you and which you can trust you will qualify for, review each card that is available to determine your best chance to get the best card with the best benefit.
TD credit cards offer three types of rewards programs: cash back, TD Rewards, and Aeroplan. Cash back is straightforward to understand, but the two different travel programs can affect your benefits and the value of your points. When picking a credit card, the rewards program is often a major consideration, so you’ll want to know how the TD credit cards rewards programs work.
Some of the best TD credit cards offer the perk of generating TD rewards, worth between $0.0025-$0.005 each, depending on how cardholders opt to redeem them. Cardholders get the best overall value out of their TD points by redeeming them for travel through Expedia, but TD also allows them to be redeemed for a range of merchandise, a statement credit, or to pay off tuition or a student loan.
Learn more about TD Rewards in our comprehensive TD Rewards guide
TD cash back
You’ll earn cash back rewards on all eligible purchases if you have a TD cash back credit card. These rewards can be used to pay down your account balance at any time if you’ve accumulated at least $25 in cash back. Alternatively, you can have the cash back paid out in January of each year, with no minimum balance required. Both options can be done through TDRewards.com.
Expedia for TD
To maximize the value of your TD Rewards points on travel, you need to book things through Expedia for TD. To access Expedia for TD, log into TDRewards.com and click the Expedia icon. Once on the Expedia website, you can search for all types of travel. Once you're ready to book your travel, you can select how many points you want to redeem. There is a minimum redemption requirement of 200 TD Rewards points ($1 in travel).
Aeroplan
TD is an official partner of Aeroplan. If you have a TD Aeroplan credit card, your accumulated points will be transferred to your Aeroplan account every month when your statement is posted. Once the points are in your Aeroplan account, you can book any type of travel reward available at Aeroplan.com. For more info on Aeroplan, read our Aeroplan Points Guide.
Pros and cons of TD credit cards
Pros
-
The annual fee for some credit cards is waived if you have a TD All-Inclusive Bank Account
-
Two types of rewards programs to choose from
-
Relationship with both Expedia and Aeroplan
-
Visa cards are accepted at most retailers who accept credit card payments
Cons
-
No option for a credit card without foreign transaction fees
-
Only Visa cards available - no MasterCard or American Express
Best TD credit card summary
| Card | Best For | Learn More |
|---|---|---|
| TD Cash Back Visa Infinite* Card | Cash back | Apply Now |
| TD Rewards Visa* Card | Booking travel through Expedia® For TD† | Apply Now |
| TD First Class Travel® Visa Infinite* Card | General travel rewards | Apply Now |
| TD® Aeroplan® Visa Infinite Privilege* Card | Luxury Travel | Apply Now |
| TD Low Rate Visa* Card | Low APR | Apply Now |
Popularity of TD Bank credit cards across Canada
As part of a recent Money.ca consumer survey, we asked a group of 2,000 Canadians which credit card they use. Here’s what the data reveals:
- Prince Edward Island has the highest percentage of TD Bank credit cardholders at 44.3%, which significantly surpasses other provinces and territories.
- Ontario follows with 31.4%, making it the second-highest region for TD cardholders.
- British Columbia is third with 28.5%, reflecting a strong presence of TD cardholders in Canada's most populous province.
- Alberta and Manitoba show similar figures, with 23.3% and 19.9%, respectively, suggesting moderate adoption.
- Newfoundland has the lowest percentage among provinces at just 8%, indicating a weaker penetration of TD Bank credit cards in this region.
TD all inclusive account with min 5k and a TD Visa Infinite card is the best deal bar none if you're banking with TD. This makes the account and card free at the cost of locking up 5k.
Reddit user /lorenavedon
How satisfied are TD credit card customers?
Just how satisfied are TD Bank customers? Here's how TD ranks in the J.D. Power 2024 Canada Credit Card Satisfaction Study:
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Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.
Cory Santos is a finance writer, editor and credit card expert with nearly a decade of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.
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