Best TD credit cards in Canada

Fact Checked: Scott Birke

🗓️

Updated: October 24, 2024

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Compare these TD Visa cards by category to find the best TD credit card for you

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. Check out our top TD credit card picks before reading our full Best Credit Cards Canada list for 2024:

  • Why you can trust Money.ca's best TD Bank credit cards in Canada 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.

Best overall

Best TD credit card in Canada

TD® Aeroplan® Visa Infinite Privilege* Card

Apply now

4.7

up to 80K pts

Welcome offer

Excellent

Suggested credit score

Earn up to $2,900 in value† including up to 80,000 Aeroplan points†. Conditions Apply. Account must be approved by January 6, 2025.

Expires

Jan 6, 2025

Pros

  • Welcome bonus up to 80,000 Aeroplan® points† (up to $2,900 in value†) (enough for a round trip to Honolulu†)

  • Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†

  • Priority Airport Services† like Boarding and Baggage Handling

  • High Aeroplan® earn rates, double points on eligible Air Canada purchases

  • Extensive travel insurance benefits

  • Free checked bags on Air Canada

  • Preferred Pricing on Aeroplan® flight rewards

  • Visa Infinite Privilege* designation perks (e.g. DragonPass membership)

  • Up to $100 CAD NEXUS credit†

Cons

  • Steep annual fee of $599

  • High eligibility requirements ($150,000 personal or $200,000 household income)

  • Additional cardholder fee of $199

  • High-value rewards mainly for Air Canada flights

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$150,000

Required Annual Household Income

$200,000

Pros

  • Welcome bonus up to 80,000 Aeroplan® points† (up to $2,900 in value†) (enough for a round trip to Honolulu†)

  • Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†

  • Priority Airport Services† like Boarding and Baggage Handling

  • High Aeroplan® earn rates, double points on eligible Air Canada purchases

  • Extensive travel insurance benefits

  • Free checked bags on Air Canada

  • Preferred Pricing on Aeroplan® flight rewards

  • Visa Infinite Privilege* designation perks (e.g. DragonPass membership)

  • Up to $100 CAD NEXUS credit†

Cons

  • Steep annual fee of $599

  • High eligibility requirements ($150,000 personal or $200,000 household income)

  • Additional cardholder fee of $199

  • High-value rewards mainly for Air Canada flights

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$150,000

Required Annual Household Income

$200,000

Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.

2 points†

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

1.5 points†

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

1.25 points†

Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†

6

Earn points twice when you provide your Aeroplan number to Aeroplan partner brands and on the Aeroplan eStore

2x

Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.

50%

Get a NEXUS application fee rebate up to $100 (CAD) every 48 months.†

$100

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

1st

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

10%

Purchase APR

20.99%

Cash Advance APR

22.99%

Annual Fee

$599

Foreign Transaction Fee

2.5%

  • Overview of the TD® Aeroplan® Visa Infinite Privilege* Card

    +

    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.

    Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)

    Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases

    Earn 1.25 points† for every $1 spent on all other purchases made with your Card

    This offer is not available for residents of Quebec. For Quebec residents, please click here.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

    †Terms and conditions apply.

Best cash back

Best TD Visa cash back card

TD Cash Back Visa Infinite* Card

Apply now

3.8

10% back

Welcome offer

Excellent

Suggested credit score

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Pros

  • Solid welcome offer

  • High earn rate for 3 popular categories

  • Can use cash back right away

  • Useful automotive benefits

Cons

  • Maximum spend limit for 3% cash back

  • High annual fee for a cash back card

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • Solid welcome offer

  • High earn rate for 3 popular categories

  • Can use cash back right away

  • Useful automotive benefits

Cons

  • Maximum spend limit for 3% cash back

  • High annual fee for a cash back card

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Earn 3% cash back on groceries, gas, and recurring bill payments†

3%

Earn 1% cash back on all other purchases†

1%

Earn 50% more Starbucks Stars when you link your TD card to your Starbucks account.†

50%

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

  • Overview of the TD Cash Back Visa Infinite* Card

    +

    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 January 6, 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.

    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 6, 2025.

    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. For Quebec residents, please click here.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Best rewards

Best TD Visa rewards card

TD Rewards Visa* Card

Apply now

3.3

up to $50

Welcome offer

Excellent

Suggested credit score

Earn a value of $50† in TD Rewards Points† to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply. Account must be approved by January 6 2025.

Expires

Jan 6, 2025

Pros

  • Wide range of point redemption options, including travel†, Amazon.ca†, online retailers†, card statement credits†, etc.

  • Good rate of return on spending and redeeming via the travel platform Expedia® For TD†

  • Decent value for those that have a high volume of recurring bills

Cons

  • Point redemption values are moderate to poor

  • Low spending limits for earning extra points on groceries and restaurants

  • High credit score requirement

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$0

Required Annual Household Income

$0

Pros

  • Wide range of point redemption options, including travel†, Amazon.ca†, online retailers†, card statement credits†, etc.

  • Good rate of return on spending and redeeming via the travel platform Expedia® For TD†

  • Decent value for those that have a high volume of recurring bills

Cons

  • Point redemption values are moderate to poor

  • Low spending limits for earning extra points on groceries and restaurants

  • High credit score requirement

Eligibility

Recommended Credit Score

Excellent

Required Annual Personal Income

$0

Required Annual Household Income

$0

Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†

4 Points

Earn 3 TD Rewards Points for every $1 you spend on groceries and restaurants†

3 Points

Earn 2 TD Rewards Points for every $1 you spend on recurring bills†

2 Points

Earn 1 TD Rewards Point for every $1 you spend on all other purchases†

1 Points

Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†

50%

Purchase APR

19.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$0

Foreign Transaction Fee

2.5%

  • Overview of the TD Rewards Visa* Card

    +

    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.

    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 $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.

    Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†; Earn 3 TD Rewards Points for every $1 you spend on groceries and restaurants†; Earn 2 TD Rewards Points for every $1 you spend on recurring bills†; and Earn 1 TD Rewards Point for every $1 you spend on all other purchases†. 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.

    This offer is not available for residents of Quebec. For Quebec residents, please click here.

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

    †Terms and conditions apply.

Best travel

Best TD travel credit card

TD First Class Travel® Visa Infinite* Card

Apply now

3.8

Good

Suggested credit score

Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025.

Expires

Jan 6, 2025

Pros

  • Major combined value for the welcome bonus (up to $1,000 in value)†

  • Good base earn rate on all purchases

  • Huge earn rate when you book travel through Expedia® For TD†

  • Very flexible redemption options

  • $100 TD Travel Credit†

  • Visa Infinite Benefits

  • Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Cons

  • Does not provide free lounge access

  • Charges foreign transaction fees

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Pros

  • Major combined value for the welcome bonus (up to $1,000 in value)†

  • Good base earn rate on all purchases

  • Huge earn rate when you book travel through Expedia® For TD†

  • Very flexible redemption options

  • $100 TD Travel Credit†

  • Visa Infinite Benefits

  • Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Cons

  • Does not provide free lounge access

  • Charges foreign transaction fees

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$60,000

Required Annual Household Income

$100,000

Earn 8 TD Rewards Points† for every $1 you spend through ExpediaForTD†

8 Points

Earn 6 TD Rewards Points† for every $1 you spend on groceries and restaurants.†

6 Points

Earn 4 TD Rewards Points† for every $1 you spend on recurring bill payments.†

4 Points

Earn 2 TD Rewards points for every $1 you spend using your card.†

2 Points

Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.

10% Bonus Points

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

$100

Purchase APR

20.99%

Balance Transfer Rate

22.99%

Cash Advance APR

22.99%

Annual Fee

$139

Foreign Transaction Fee

2.5%

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

    +

    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 creditEarn an annual Birthday Bonus† of up to 10,000 TD Rewards Points 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.

    †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 6, 2025.

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

    This offer is not available for residents of Quebec. For Quebec residents, please click here .

    The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

    † Terms and conditions apply.

How to get a card

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 .
How TD cards work

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 Rewards guide

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.

Summary of picks

Best TD credit card summary

Card Best For Apply now
TD Cash Back Visa Infinite* Card Cash back 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* Card Luxury Travel Get started
Pros and cons

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

FAQs

TD credit card FAQs

  • What kind of TD credit cards exist?

    +

    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?

    +

    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?

    +

    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?

    +

    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?

    +

    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?

    +

    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.

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.

Disclaimer

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.