Best TD Bank credit cards in Canada
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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 credit cards. It’s worth noting that TD credit cards are all Visas, which are accepted by far more vendors than, say, American Express. Although Amex cards tend to offer more lucrative rewards, TD cardholders might prefer the reassurance of knowing that their card will be accepted virtually anywhere.
Some TD 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.
Other TD credit cards offer lucrative cashback rates, travel benefits, and/or low-interest rates.
| Card | Welcome Offer | Best For |
|---|---|---|
| TD Cash Back Visa Infinite* Card | Earn up to $500 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. Account must be approved by March 4, 2024. | Cash back |
| TD® Aeroplan® Visa Infinite* Card | Earn up to $1,400 in value† including up to 50,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 3, 2024. | Travelers; Aeroplan Members |
| TD Rewards Visa* Card | Earn a value of $65† in TD Rewards Points† to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply. Account must be approved by January 3, 2024. | Booking travel through Expedia® For TD† |
| TD First Class Travel® Visa Infinite* Card | Earn up to $1,000 in value, including up to 115,000 TD Rewards Points, no Annual Fee for the first year and additional travel benefits. Conditions Apply. Account must be approved by January 3, 2024. | General travel rewards |
| TD Cash Back Visa* Card | None | No fee |
†Terms and conditions apply.
TD Rewards Visa* Card offer is not available for residents of Quebec.
Best TD Visa cashback card
TD Cash Back Visa Infinite* Card
Quick Facts
Standard purchase APR: 20.99%
Balance transfer APR: 22.99%
Cash advance APR: 22.99%
Credit score required: Good-Excellent
Min personal income required: $60,000
Annual fees: $139 (first year Annual Fee Rebate)†
This offer is not available for residents of Quebec.
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.
Earn up to $500 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. Account must be approved by March 4, 2024.
- • 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†.
- 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 by March 5, 2024.
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.
Best TD Visa Aeroplan card
TD® Aeroplan® Visa Infinite* Card
Quick Facts
Standard purchase APR: 20.99%
Balance transfer APR: 22.99%
Cash advance APR: 22.99%
Minimum credit score: Good-Excellent
Minimum income: $60,000 individual/$100,000 household
Age: Age of majority in province
Residency: Canadian resident
This offer is not available for residents of Quebec.
TD® Aeroplan® Visa Infinite* Card's special offer. Earn up to $1,400 in value†, including up to 50,000 Aeroplan points†, no Annual Fee for the first year† and additional travel benefits. Account must be approved by January 3, 2024.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
- Earn 25,000 Aeroplan points when you spend $5,000 within 180 days of Account opening†
- Plus, earn an anniversary bonus of 15,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†
- Enroll for NEXUS and once every 48 months get an application fee rebate†
- Plus, share free first checked bags with up to 8 travel companions†
- Get an annual fee rebate for the first year†
- To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 4, 2024.
The 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 point† per $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.
Best TD Visa rewards card
TD Rewards Visa* Card
Quick Facts
Standard purchase APR: 19.99%
Balance transfer APR: 22.99%
Cash advance APR: 22.99%
Credit score required: Good-Excellent
Annual fees: $0
This offer is not available for residents of Quebec.
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.
New cardholders who are approved by January 3, 2024 can earn 19,697 TD Rewards Points† (a value of $65 on Amazon.ca†) by keeping their account open, active and in good standing for the first 90 days†, plus there is no annual fee.
Plus, get a free 6 month† Uber One membership (that's $60 in value†)!
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.
Aside from that limited time offer, 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.
Best TD general travel rewards card
TD First Class Travel® Visa Infinite* Card
Quick Facts
Standard purchase APR: 20.99%
Balance transfer APR: 22.99%
Cash advance APR: 22.99%
Minimum income: $60,000 individual/$100,000 household
Credit score required: Good-Excellent
Annual fee: $139
This offer is not available for residents of Quebec.
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.
New applicants who are approved can earn up to 100,000 TD Rewards Points and get the annual fee for the first year waived. Account must be approved by March 4, 2024.
Best TD no fee card
TD Cash Back Visa* Card
Quick Facts
Standard purchase APR: 19.99%
Cash advance APR: 22.99%
Eligibility requirements: You are a Canadian resident and are of the age of majority in your province/territory of residence.
Annual fee: $0
Not all cards have annual fees. With the TD Cash Back Visa* Card, not only do you avoid an annual fee, but you have the added benefit of cash back on your purchases. The earning rate is 1% in cash back on eligible grocery store purchases, gas purchases, and recurring bill payments. All other spending earns you 0.5% back.
The primary benefits of this relatively no-frills card are the earnings you get back on your purchases. You can also save up to 10% at Avis Rent A Car and Budget Rent A Car locations in Canada and the U.S. when paying with your TD Cash Back Visa* Card. You’ll also earn 50% more stars at participating Starbucks locations when you link your card to your Starbucks® Rewards account.
Although this card has no welcome bonus, there’s also no minimum income requirement to be considered.
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:
- 1.
Browse the list of best TD credit cards and find a card you’re interested in.
- 2.
Click apply now.
- 3.
Log in to TD if you’re an existing client or start the application as a new customer.
- 4.
Enter your personal information.
- 5.
If you don’t get instant approval, call TD and quote your application reference number.
- 6.
Provide additional details if required.
- 7.
Wait for your card to arrive.
- 8.
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.
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.
Pros and cons of TD credit cards
Pros
- The annual fee for some credit cards is waived if you have a TD All-Inclusive Bank Account
- Two types of rewards programs to choose from
- Relationship with both Expedia and Aeroplan
- Visa cards are accepted at most retailers who accept credit card payments
Cons
- No option for a credit card without foreign transaction fees
- Only Visa cards available - no MasterCard or American Express
FAQs
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