Best TD Visa credit cards in Canada
11M
Readers
150+
Reviews
1,000+
Metrics
Partners on this page may provide us earnings.
11M
Readers
150+
Reviews
1,000+
Metrics
Partners on this page may provide us earnings.
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.
up to 85,000 pts†
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...
Annual Fee & Annual Interest Rates
$599
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
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 partial 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.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
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, electric vehicle charging, groceries, travel & transit 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 pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
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 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
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
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†
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.
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 partial 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.
Eligibility
Excellent (740+)
Recommended Credit Score
$150,000
Required Annual Personal Income
$200,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$599
Annual Fee
2.50%
Foreign Transaction
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, electric vehicle charging, groceries, travel & transit 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 pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
50%
Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.
$100
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
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 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
Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
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†
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.
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:
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.
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 April 30, 2025.
Get this card if you...
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
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.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
$0
Over The Limit Penalty
Rewards cash back
3%
Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
3%
Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
1%
Earn 1% in Cash Back Dollars on all other Purchases†.
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
4
Emergency medical insurance over 65 days
$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 April 30, 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. 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. |
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.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
$0
Over The Limit Penalty
Rewards cash back
3%
Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
3%
Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
1%
Earn 1% in Cash Back Dollars on all other Purchases†.
Insurance Benefits
$1,000
Mobile device insurance amount
$2,000,000
Emergency medical insurance amount
4
Emergency medical insurance over 65 days
$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 April 30, 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. 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. |
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.
15,152 points†
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. Conditions Apply. Offer effective as of January 7, 2025.
Get this card if you...
Annual Fee & Annual Interest Rates
$0
Annual Fee
21.99%
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.
Eligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
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, Dining, and Public Transit†
2 Points
Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
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.
†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.
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.
Eligibility
Excellent (740+)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$0
Annual Fee
2.50%
Foreign Transaction
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, Dining, and Public Transit†
2 Points
Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
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.
†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.
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:
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.
up to 85,000 pts†
Welcome Bonus
$218
First Year Value
$0
Annual Value
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.
Get this card if you...
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
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.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through Expedia® For TD†.
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10k Bonus Points
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
$100
An annual TD Travel Credit† of $100 when you book at Expedia® For TD†.
4
Enjoy your 4 complimentary visits by enrolling now for the Visa Airport Companion Program†.
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 85,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of June 4, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 65,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 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†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
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.
†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.
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.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through Expedia® For TD†.
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10k Bonus Points
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
$100
An annual TD Travel Credit† of $100 when you book at Expedia® For TD†.
4
Enjoy your 4 complimentary visits by enrolling now for the Visa Airport Companion Program†.
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 85,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of June 4, 2025.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 65,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 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†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
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.
†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.
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.
0% purchase APR†
Welcome Bonus
$0
First Year Value
$0
Annual Value
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.
Get this card if you...
Annual Fee & Annual Interest Rates
$25
Annual Fee
12.9%
Purchase
12.9%
Cash Advance
12.9%
Balance Transfer
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.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Annual Interest Rates
12.9%
Purchase
12.9%
Cash Advance
12.9%
Balance Transfer
0%
Purchase (Introductory)
Fees
$25
Annual Fee
2.50%
Foreign Transaction
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.
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.
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.
Eligibility
Fair (300 - 619)
Recommended Credit Score
Annual Interest Rates
12.9%
Purchase
12.9%
Cash Advance
12.9%
Balance Transfer
0%
Purchase (Introductory)
Fees
$25
Annual Fee
2.50%
Foreign Transaction
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.
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.
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.
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.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$39
Annual Fee
2.50%
Foreign Transaction
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.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$39
Annual Fee
2.50%
Foreign Transaction
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 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.
up to $1,122† value
Welcome Bonus
$1,554
First Year Value
$432
Annual Value
Welcome Bonus: Earn a value of up to $1,122† in TD Rewards Points including first annual fee rebates†.
Get this card if you...
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.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$149
Annual Fee
2.50%
Foreign Transaction
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 $1,122† in TD Rewards Points (that's up to 175,000 TD Rewards Points)† with full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders†. Conditions Apply. Account must be approved, open and in Good Standing. Offer effective as of January 7, 2025. Here's how the offer breaks down:
Earn a Welcome Bonus of 30,000 TD Rewards Points when the Primary Cardholder makes their first Purchase with their new Card†
Earn up to 120,000 TD Rewards points when the Primary Cardholder spends $2,500 in Purchases each month for the first 12 months of Account approval†
Plus, earn up to 25,000 TD Rewards Points when the Primary Cardholder spends $250 on eligible mobile wallet Purchases within 90 days of Account approval†
Get an Annual Fee rebate for the first year for the Primary Cardholder and two Additional Cardholders†
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.
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.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Annual Interest Rates
19.99%
Purchase
22.99%
Cash Advance
Fees
$149
Annual Fee
2.50%
Foreign Transaction
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 $1,122† in TD Rewards Points (that's up to 175,000 TD Rewards Points)† with full Annual Fee Rebates in the first year for the Primary Cardholder and first two Additional Cardholders†. Conditions Apply. Account must be approved, open and in Good Standing. Offer effective as of January 7, 2025. Here's how the offer breaks down:
Earn a Welcome Bonus of 30,000 TD Rewards Points when the Primary Cardholder makes their first Purchase with their new Card†
Earn up to 120,000 TD Rewards points when the Primary Cardholder spends $2,500 in Purchases each month for the first 12 months of Account approval†
Plus, earn up to 25,000 TD Rewards Points when the Primary Cardholder spends $250 on eligible mobile wallet Purchases within 90 days of Account approval†
Get an Annual Fee rebate for the first year for the Primary Cardholder and two Additional Cardholders†
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.
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:
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.
up to 40,000 pts†
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...
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
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.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, 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
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
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†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
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.
†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.
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.
Eligibility
Excellent (740+)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
1.5 points†
for every $1 spent on eligible gas, electric vehicle charging, 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
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS program application fee rebate.
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†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
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.
†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.
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:
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.
Card
Welcome Offer
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.
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:
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
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.
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).
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.
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:
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
Just how satisfied are TD Bank customers? Here's how TD ranks in the J.D. Power 2024 Canada Credit Card Satisfaction Study:
Sources:
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, 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.
TD credit card reviews
The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter. Advertisers are not responsible for the content of this site, including any editorials or reviews that may appear on this site. For complete and current information on any advertiser product, please visit their website.
†Terms and Conditions apply.