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Fact Checked: Scott Birke

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Updated: January 05, 2024

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Best TD credit cards in Canada

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware this post may contain links to products from our partners. We may receive a commission for products or services you sign up for through partner links.

Fact Checked: Scott Birke

🗓️

Updated: January 05, 2024

We adhere to strict standards of editorial integrity to help you make decisions with confidence. Please be aware that some (or all) products and services linked in this article are from our sponsors.

Toronto-Dominion Bank (TD) is one of Canada’s Big Five national banks, with branches across the country and a wide range of financial products including TD credit cards, which are accepted virtually anywhere.

TD credit cards offer lucrative cash back rates, travel benefits such as access to the Aeroplan program, and low-interest rates. Here's our best TD credit card list to help you find the right TD Visa for you.

Best TD Visa cashback card

TD Cash Back Visa Infinite* Card

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.†

20.99% Purchase APR APR for purchases 20.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$139 Annual Fee First additional cardholder is $50. After that, each card is $0.

Excellent Recommended Credit Score

$60,000 Required Annual Personal Income

Welcome Offer Ends Mar 4, 2024

Earn up to $500 in value, including 10% cash back in the first 3 months and an annual fee rebate in the first year. Conditions Apply. Account must be approved by March 4, 2024.†

Learn more
  • Overview of the TD Cash Back Visa Infinite* Card

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    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.

    • 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†

    • Get an annual fee rebate for the first year†.

    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.

    Click here to apply or learn more by reading our complete TD Cash Back Visa Infinite* Card review.

    Terms and conditions apply.

    This offer is not available for residents of Quebec.

Best TD Visa Aeroplan card

TD® Aeroplan® Visa Infinite* Card

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.†

1 NEXUS application fee rebate every 48 months†

1st checked bag free for you and up to 8 travel companions†

20.99% Purchase APR APR for purchases 20.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$139 Annual Fee First year free. Additional cardholder is $75.†

2.50% Foreign Transaction Fee Foreign transaction fee: 2.50%†

Excellent Recommended Credit Score

Welcome Offer Ends Mar 4, 2024

Earn up to $1,200 in value^ including up to 40,000 Aeroplan points and no Annual Fee for the first year. Conditions Apply. Account must be approved by March 4, 2024.†

Learn more
  • Overview of the TD® Aeroplan® Visa Infinite* Card

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    The TD® Aeroplan® Visa Infinite* Card card also holds exceptional value outside the welcome offer, earning 1.5 Aeroplan points†per dollar spent on eligible grocery, gas, and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. All other eligible purchases earn 1 pointper $1 spent.

    Earn points twice when you pay with your card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).

    Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.

    Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.

    Click here to apply or learn more by reading our complete TD® Aeroplan® Visa Infinite* Card review

    Terms and conditions apply.

    This offer is not available for residents of Quebec.

Best TD Visa rewards card

TD Rewards Visa* Card

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†

19.99% Purchase APR APR for purchases 19.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$0 Annual Fee Additional cardholder is $0

Excellent Recommended Credit Score

$0 Required Annual Personal Income

Welcome Offer Ends Jun 3, 2024

Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) by keeping your Account open, active and in good standing for the first 90 days†, plus no Annual Fee. Conditions Apply. Account must be approved by June 3rd, 2024.†

Learn more
  • Overview of the TD Rewards Visa* Card

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    The TD Rewards Visa* Card is a no-fee travel credit card that’s easy to qualify for. There’s no minimum income requirement and no annual fee.

    Earn TD Reward 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.

    Your card 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 $1000 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.

    Earn four TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD, 3 TD Rewards Points for every $1 you spend on groceries and restaurants, 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your account, and 1 TD Rewards Point for every $1 you spend on other purchases made using your card. There’s an annual spending cap that applies to the accelerated earn rates that revert you to the base earn rate until the next annual cycle begins.

    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.

    Click here to apply or learn more by reading our complete TD Rewards Visa* Card review.

    Terms and conditions apply.

    This offer is not available for residents of Quebec.

Best TD travel credit card

TD First Class Travel® Visa Infinite* Card

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 Each year, received a birthday bonus equal to 10% of the total number of points earned over the 12 preceding months.†

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

20.99% Purchase APR APR for purchases 20.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$139 Annual Fee First additional cardholder is $50, subsequent cardholders are $0.

Good Recommended Credit Score

$60,000 Required Annual Personal Income

Welcome Offer Ends Mar 4, 2024

Earn up to $1,100 in value†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by March 4, 2024.†

Learn more
  • Overview of the TD First Class Travel® Visa Infinite* Card

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    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 a $100 travel credit on your first purchase of $500 or more with Expedia for TD. You also get comprehensive travel insurance that covers medical, trip delay, trip cancellation, lost baggage, auto rental collision/loss damage and more.

    Read more:TD First Class Travel® Visa Infinite* card review

    This offer is not available for residents of Quebec.

Best TD credit card for luxury travel

TD® Aeroplan® Visa Infinite Privilege*

2 points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)†

1.5 points for every $1 you charge to your Card on eligible gas, groceries, travel and dining purchases.†

1.25 points for every $1 you charge to your Card on all other purchases.†

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% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account.†

$100 Get a NEXUS application fee rebate every 48 months.†

1st checked bag free for you and up to eight companions when your travel originates on an Air Canada flight.†

10% savings at Avis and Budget in North America, 5% off internationally†

20.99% Purchase APR APR for purchases 20.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

3.00% Balance Transfer Fee

$599 Annual Fee

2.50% Foreign Transaction Fee

Excellent Recommended Credit Score

$150,000 Required Annual Personal Income

$200,000 Required Annual Household Income

Welcome Offer Ends Mar 4, 2024

Earn up to $2,700 in value* including up to 75,000 Aeroplan points. Conditions Apply. Account must be approved by March 4, 2024.†

Learn more
  • Overview of the TD® Aeroplan® Visa Infinite Privilege*

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    The TD® Aeroplan® Visa Infinite Privilege* 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* is also crafted in metal.

    Earn two points for every $1 spent on direct Air Canada purchases, including Air Canada Vacations®.

    Accrue 1.5 points for every $1 spent on eligible gas, travel, groceries and dining purchases.

    Earn 1.25 points per $1 spent on all other purchases.

    Double the points when paying with your card and providing your Aeroplan® number at over 150 partner brands and over 200 online retailers via the Aeroplan® eStore.

    Terms and conditions apply.

How to get a TD credit 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.

How TD credit cards work

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 rewards programs

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.

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.

Best TD credit card summary

Card Best For Apply now
TD Cash Back Visa Infinite* Card Cash back Get started
TD® Aeroplan® Visa Infinite* Card Aeroplan Members Get started
TD Rewards Visa* Card Booking travel through Expedia® For TD Get started
TD First Class Travel® Visa Infinite* Card General travel rewards Get started
TD® Aeroplan® Visa Infinite Privilege* Luxury Travel Get started

Pros and cons of TD credit cards

Pros

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

Cons

  • No option for a credit card without foreign transaction fees

  • Only Visa cards available - no MasterCard or American Express

TD credit card FAQs

  • What kind of TD credit cards exist?

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    TD only issues Visa cards, including: Cash back, travel, Aeroplan, low interest, student, U.S. dollar, no annual fee and business.

  • How can I apply for a TD credit card?

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    You can use one of the following methods to apply for a TD credit card: Online, in person at a TD branch, over the phone.

  • How much is a TD Reward point worth?

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    The value of one TD Reward point depends on what you’re redeeming for. Expedia for TD: .50 cents per points. Other travel charged to your TD Rewards card: .40 - .50 cents per point. Gift cards: .25 cents per point. Statement credit: .25 cents per point. Merchandise: .15 to .30 cents per point.

    Redeeming your points on Expedia for TD gives you the best value. While using your points on merchandise or gift cards may be tempting, you’d be reducing the value of your points by up to 50%.

  • What’s the best TD credit card?

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    To determine the best card for you, consider if you want to benefit from travel rewards or if you’d prefer to keep more money in your pocket, in which case a low or no fee card or a cash back card is the best option for you and your specific needs.

  • What's the TD credit card phone number?

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    The TD credit cards contact is 1-800-983-8472. If your TD Credit Card is lost or stolen, please contact TD Credit Cards Customer Service at that number and a representative will assist you.

About our author

Barry Choi
Barry Choi, Moneywise Contributor

Barry Choi is an award-winning personal finance and travel expert. He appears regularly on a variety of shows in Canada and the U.S., where he talks about all things money and travel. In addition to Money.ca, his work has appeared in major publications, including The Globe and Mail, The Toronto Star, The Financial Post, and MoneySense magazine. Barry is an expert in personal finance, but he's passionate about credit cards, budget travel, debt management, and loyalty programs. His personal website moneywehave.com is one of Canada's most trusted resources as he provides non-bias opinions on various financial products and services. When he's not writing or talking about financial literacy, you can find him travelling the world. Barry's favourite destinations are Japan, Jordan, and the Netherlands.

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