Best TD Bank Credit Cards in Canada

Best TD Visa credit cards in Canada

Fact checked by Scott Birke

Updated May 1, 2025

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Best TD Visa credit card offers from TD Canada Trust

Unlock premium perks and rewards with top-tier TD credit cards, tailored for savvy Canadian spenders.

Toronto-Dominion Canada Trust (TD Canada Trust) 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 Visa cards include offers for all major card categories, including cash back, USD and low interest, and different reward preferences, such as Aeroplan and TD Rewards. Compare the best TD credit card offers below.

  • Why you can trust Money.ca's best TD Canada Trust credit card list

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    Money.ca rates all credit cards on a numeric scale of 1 to 5 stars, with 1 being the lowest and 5 the highest rating, respectively. Money.ca’s proprietary scoring formulas break down the confusing language, complex points, rewards and earn rates to give you the real data that caters to your needs first, not ours.

    Our partnerships have no impact on our ratings, which are solely determined by the merits of each card. To learn more about how we researched and ranked these cards, read our full credit card review methodology.

    TD credit cards are always popular with Canadians; perhaps that's why many TD cards are also featured on our best credit cards Canada list.

Best TD Visa credit card in Canada, overall

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.

On TD'sSecure Site

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

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 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
  • Earn 1.25 points† for every $1 spent on all other purchases made with your Card

Disclosures:

  • †Terms and conditions apply.

    This offer is not available to 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 Visa cash back card

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 April 30, 2025.

On TD'sSecure Site

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

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 3% 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. 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 April 30, 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:

  • †Terms and conditions apply.

    This offer is not available to 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 Visa rewards card

Welcome Bonus: Earn a value of $50† in TD Rewards Points† to use on eligible Amazon.ca purchases. Conditions Apply. Offer effective as of January 7, 2025.

On TD'sSecure Site

Get this card if you...

  • want to earn TD Rewards on everyday purchases
  • want a flexible rewards program
  • value a good welcome offer

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:

  • †Terms and conditions apply.

    This offer is not available to 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

Welcome Bonus: Earn up to $1,000 in value†, including up to 85,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.

On TD'sSecure Site

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

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 up to 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:

  • †Terms and conditions apply.

    This offer is not available to 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 low interest

Welcome Bonus: Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening. Conditions Apply. Offer effective as of June 4, 2025.

On TD'sSecure Site

Get this card if you...

  • want a low interest rate for both purchases and cash advances
  • want to avoid paying a high annual fee

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.

    This offer is not available to 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 US dollar card

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

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 to 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 business

Welcome Bonus: Earn a value of up to $1,122† in TD Rewards Points including first annual fee rebates†.

On TD'sSecure Site

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

TD Canada Trust 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 $1,122† in TD Rewards Points including first annual fee rebates†.

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 to 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 Visa credit card for travel - runner up

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.

On TD'sSecure Site

Get this card if you...

  • want to quickly rack up Aeroplan points
  • need comprehensive travel insurance benefits
  • value a great welcome offer

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† and no Annual Fee for the first year†. Conditions Apply.
  • Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, 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.

    This offer is not available to 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.

View all TD Canada Trust credit cards

Card

Welcome Offer

Best TD credit cards Canada

About TD Canada Trust

TD Canada Trust (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 Visa 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
TD Rewards Visa* Card Booking travel through Expedia® For TD
TD First Class Travel® Visa Infinite* Card General travel rewards
TD® Aeroplan® Visa Infinite Privilege* Card Luxury Travel
TD Low Rate Visa* Card Low APR
Image showing two of the best TD credit cards in Canada

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:

TD Visa 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.

  • Can I use my US TD credit card in Canada?

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    Yes - the TD Connect Card can be used for purchases anywhere Visa is accepted, including online. Additionally, you can enjoy free access to thousands of TD ATMs across the US and Canada.

Sources:

Barry Choi Contributor

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 Credit card editor

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, BlogTO, Debt.ca, AOL, MSN and Medium as well as financial podcasts like KOFE Talk. He's also the creator and author of the annual Money.ca Credit Card Awards.

Disclaimer

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†Terms and Conditions apply.