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TD Bank — also known as Toronto-Dominion Bank — is one of Canada’s ‘Big Six’ banks. The financial institution offers a range of credit cards, from student and business cards to low interest and rewards cards. Here are some of the best TD Bank credit cards on offer in Canada.

Best TD Bank credit cards

Annual Fee
$0

Interest Rates
19.99% / 22.99%

Rewards Rate
1x-4x Points

Intro Offer
15,152 Points

Why we like it

With robust earn rates on a variety of purchases and flexibility in how points can be redeemed, the TD Rewards Visa provides an impressive amount of value for a card with no annual fee.

Pros

No annual fee.
Offers some flexibility in how TD Rewards Points can be redeemed.

Cons

While points can be redeemed for travel purchases, the TD Rewards Visa Card lacks many of the perks typically associated with travel credit cards.

Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) by keeping your Account open, active and in good standing for the first 90 days†, plus no Annual Fee. Account must be approved by June 3, 2024.
No Annual Fee.
Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†.
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 regularly recurring bill payments set up on your Account†.
Earn 1 TD Rewards Points for every $1 you spend on other Purchases made using your Card†.
Your Points are worth more when you redeem through Expedia For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
Or Book Any Way†: You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
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.
Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift card.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
Pay With Rewards: Redeem TD Rewards Points to help pay down your credit card balance.
Cardholders must be Canadian residents of the age of majority in their province/territory of residence.
†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.

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Annual Fee
$89

Interest Rates
20.99% / 22.99%

Rewards Rate
1.5x-6x Points

Intro Offer
Up to 50,000 Points

Why we like it

With a generous introductory bonus and competitive earn rates on travel, grocery and other purchases, the TD Platinum Travel Visa* puts cardholders on the fast track to claiming rewards they’ve set their sights on.

Pros

Accelerated earning of TD Rewards Points when making purchases with your card through ExpediaForTD.com.
Earn a welcome bonus worth up to $400 if your account is approved by September 3, 2024.
The various forms of travel insurance provided can take some of the sting out of flight delays and lost baggage.

Cons

Access to VIP lounges is discounted, but not complimentary.
The insurance options could be better. Getting collision/loss insurance on car rentals requires charging the entire cost of the rental to your card. There’s no medical insurance offered, either.
The emergency cash advances offered may come in handy, but they also come with a hefty interest rate.

Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by September 3, 2024.
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 September 4, 2024.
Earn 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
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.
Use the TD Platinum Travel Visa to book travel with any travel provider and redeem any earned TD Rewards points toward that purchase within 90 days.
Redeem your TD Points towards making purchases at Amazon.ca to get what you want, when you want, quickly and easily. Conditions apply.
Flight/trip delay insurance worth up to $500 if a flight or trip is delayed more than 4 hours.
Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, or train).
Eligibility is restricted to Canadian residents who are the age of majority in their province/territory of residence.
†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.

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Annual Fee
$89

Interest Rates
20.99% / 22.99%

Rewards Rate
0.67x-1x Points

Intro Offer
Up to 20,000 Points

Why we like it

The TD® Aeroplan® Visa Platinum* Credit Card may be too short on bells and whistles for some credit card veterans, but those seeking a straightforward, affordable introduction to the Aeroplan universe should find what they’re looking for.

Pros

A low annual fee, which can be refunded in the first year if you make a purchase in the first three months.
The mobile device insurance included should bring peace of mind to some users.

Cons

There are few ways to earn double points, even during the introductory period.

Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
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 September 4, 2024.
Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
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 Platinum* Cardholder.
Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.
†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.

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Annual Fee
$139

Interest Rates
20.99% / 22.99%

Rewards Rate
1x-1.5x Points

Intro Offer
Up to 50,000 Points

Why we like it

The TD Aeroplan Visa Infinite Card provides access to exclusive food, golf and drink experiences, making it an excellent choice for shoppers with a taste for the finer things. The $10,000 spending target in the first year should put the introductory point offers within reach for many cardholders.

Pros

A low annual fee and unique perks, including 10% off car rentals at Avis and Budget.
Earn points twice when you provide your Aeroplan number.

Cons

Opportunities for earning more than 1.5x the points are rather limited.
Some perks, like a once-every-four-years NEXUS rebate, might not blow your hair back.

Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
Earn 1.5 points† for every $1 spent on eligible gas, 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 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).
Interest Rates: 20.99% on purchases and 22.99% on cash advances.
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.
Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
†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.

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TD® Aeroplan® Visa Infinite Privilege* Credit Card

Annual Fee
$599

Interest Rates
20.99% / 22.99%

Rewards Rate
1.25x-2x Points

Intro Offer
Up to 85,000 Points

Why we like it

The TD® Aeroplan® Visa Infinite Privilege* Card comes with strong travel insurance and perks, plus healthy earn rates on everyday purchases.

Pros

Complimentary Visa Airport Companion membership with six airport lounge visits included each year.
Tons of airport perks, including priority check-ins, boarding, baggage handling, airport upgrades, and airport standby.

Cons

Substantial annual fee.

Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
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.
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.
Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
†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.

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Annual Fee
$139

Interest Rates
20.99% / 22.99%

Rewards Rate
1%-10%

Intro Offer
Up to $350

Why we like it

The TD Cash Back Visa Infinite Card is a smart card for families who spend a lot on gas, groceries and automatic monthly purchases.

Pros

Fantastic welcome offer with a $500 value.
Up to $2 million of Travel Medical Insurance coverage for the first 10 days of your trip (four days if you or your spouse are over the age of 65).

Cons

A $139 annual fee often comes with more perks and insurance. However, you can waive this cost every year if you’re a TD member with an All-Inclusive Chequing Account holding a minimum balance of $5,000.
The accelerated earn rate of 3% cash back is limited to $15,000 annual spend across all categories. After that, you’ll earn a flat rate of 1% cash back on all purchases.

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 June 3, 2024.
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 June 4, 2024.
Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases†, and on regularly recurring bill payments† set up on your account.
Earn 1% Cash Back Dollars on all other Purchases made with your Card.†
Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours!†
Your Cash Back Dollars never expire as long as your account is open and in good standing.
Interest Rates: 20.99% on purchases and 22.99% on cash advances.
Travel Medical Insurance† – Up to $2 million of coverage for the first 10 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Delayed and Lost Baggage Insurance† – Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
Emergency Travel Assistance Services† – Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
Complimentary Visa Infinite* Concierge†: On call, 24 hours a day, seven days a week, to help you get the most from life whenever you travel, shop and use your Card.
Emergency Road Services with Deluxe TD Auto Club Membership† is included with the product.
To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
†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.

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TD First Class Travel® Visa Infinite* Card

Annual Fee
$139

Interest Rates
20.99% / 22.99%

Rewards Rate
2x-8x Points

Intro Offer
Up to 100,000 Points

Why we like it

With a large welcome bonus and accelerated earn rate on travel booked through ExpediaForTD.com, the TD First Class Travel® Visa Infinite* Card is perfect for travellers aiming to score free flights and hotel visits.

Pros

A generous welcome bonus worth up to $800 in value.
Travel expenses eligible for redemption include more than just hotel stays and flights – baggage fees, airport parking, car rentals, cruises, travel attractions, entertainment and more are all fair game.

Cons

This card doesn’t have as many travel perks as others on the list, but you can quickly earn free flights and hotel stays.
No free airport lounge access — you only receive an annual discount on a Priority Pass lounge membership.

Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 80,000 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†.
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.
To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
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.
Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
Interest Rates: 20.99% on purchases and 22.99% on cash advances.
Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
†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.

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Annual Fee
$0

Interest Rates
19.99% / 22.99%

Rewards Rate
0.5%-1%

Intro Offer
N/A

Why we like it

TD Cash Back Visa* Card customers can earn cash back on all purchases for no annual fee.

Pros

No annual fee.
Cash back on all purchases.
Elevated cash-back rate for eligible gas and grocery store purchases, as well as recurring bills.

Cons

Cash-back earn rate is lower than many other cards in its class.

For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
Earn 1% in Cash Back Dollars on eligible grocery Purchases and gas Purchases† and on regularly recurring bill payments† set up on your Account.
Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†.
Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
Your Cash Back Dollars never expire as long as your account is open and in good standing.
Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
Save with Avis Rent A Car and Budget Rent A Car: Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates† in Canada and the U.S., and a minimum of 5% off the lowest available base rates† internationally, on qualifying car rentals at participating Avis and Budget locations.
Option to purchase TD Auto Club Membership† and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
Purchase Security and Extended Warranty Protection†: You automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.
Eligibility is restricted to Canadian residents who are the age of majority in their province/territory of residence.
†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.

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Annual Fee
$25

Interest Rates
12.90%

Rewards Rate
N/A

Intro Offer
N/A

Why we like it

With a low interest rate and modest annual fee, the TD Low Rate Visa Credit Card is an inexpensive, no-fuss option.

Pros

Low annual fee of $25, and free additional cards.
Low interest rate of 12.90%.
50% more Starbucks points when you use the card at participating Starbucks stores.

Cons

Minimal travel insurance offerings, which you have to purchase separately.
No rewards available, such as cash back or miles.

Get an 8.99% promotional interest rate on Purchases for the first 6 months⁺ from Account opening. Conditions Apply. Account must be approved by September 3, 2024.
With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It’s an easy and secure way to pay.
Cardholders must be Canadian residents of the age of majority in their province/territory of residence.
†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.

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Annual Fee
$0

Interest Rates
19.99% / 22.99%

Rewards Rate
0.50%-2%

Intro Offer
N/A

Why we like it

The TD Business Cash Back Visa* Card is a no-fee card that earns competitive rewards on office supplies, gas, and recurring bills.

Pros

Earn competitive rewards on business essentials.

Cons

Accelerated earn rates for bonus category spending are restricted to $15,000 maximum annual spending limits.

$0 annual fee.
2% cash back on eligible Office Supply Purchases and Gas Purchases (up to a $15,000 maximum annual spend).
2% cash back on regularly recurring bill payments (up to a $15,000 maximum annual spend).
0.50% cash back on everything else, including after you’ve exceeded your annual spending limits in bonus categories.
19.99% for purchases, 22.99% for cash advances.
Earn 50% more Stars at participating Starbucks stores. Conditions apply.
Cash Back Dollars never expire as long as your account is open and in good standing. Rewards are credited back to your business account as an automatic statement credit on an annual basis.
Get access to the Card Management Tool, an easy way to access online reporting, review your business expenses, manage your existing credit limits, and apply spend controls.
Discounts of up to 25% off for business purchases made under the Visa SavingsEdge Program.
Save with Avis Rent A Car and Budget Rent A Car.
Chip & PIN technology, Verified by Visa, plus Purchase Security and Extended Warranty Protection.
Access to optional Travel Medical Insurance, Trip Cancellation and Trip Interruption Insurance.
Optional TD Auto Club Membership.
Emergency cash advances available, up to $5,000 for your TD Business Cash Back Visa* Card.
Eligibility requirements: You are a Canadian resident and are of the age of majority in your province/territory of residence.

Annual Fee
$149

Interest Rates
19.99% / 22.99%

Rewards Rate
2x-9x Points

Intro Offer
Up to 175,000 Points

Why we like it

With its huge welcome offer, high earn rates on travel and foreign currency, and hearty selection of perks and benefits, the TD Business Travel Card is a strong option for businesses of any size.

Pros

Large intro offer that many established businesses will be able to earn.
Wide range of travel perks, including a broad selection of insurance, rewards on foreign currency and travel booking, and more.
Very strong earn rates in certain purchase categories.

Cons

Smaller businesses may not spend enough to score the full welcome bonus of 175,000 TD Rewards points.
Lack of flexibility with travel booking, which must be done through ExpediaForTD.com to earn rewards.

Earn a value of up to $1,122 in TD Rewards Points (that’s up to 175,000 TD Rewards Points) with no Annual Fee in the first year. Conditions Apply. Account must be opened by June 3, 2024.
Earn 9 TD Rewards Points when you book travel online through ExpediaForTD.com using your Card.
Earn 6 points for every dollar spent on foreign currency purchases, restaurant purchases and regularly recurring bill payments up to a maximum annual spend of $80,000. Earn rate becomes 2 TD Rewards Points per dollar spent after that.
Earn 2 TD Rewards Points per dollar spent on all other purchases.
Points can be redeemed for flights, hotels, retail business merchandise, gift cards, while making business purchases at Amazon.ca with Amazon Shop, and more. They can also be used to pay down the card’s balance.
No travel blackouts, no seat restrictions and no expiry for TD Rewards Points.
Annual fee: $149 — rebated in the first year.
Annual fee on additional cards: $49 — rebated for up to three cards in the first year.
Interest rates: 19.99% on purchases, 22.99% on cash advances.
Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
Visa SavingsEdge program: save up to 25% on eligible business purchases.
Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental).
Toll-free emergency travel assistance services.
Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
Access to $5,000 emergency cash advances.
Linked cards can earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks stores.
Minimum credit limit of $1,000.

Annual Fee
$149

Interest Rates
14.99% / 22.99%

Rewards Rate
1x-2x Points

Intro Offer
Up to 60,000 Points

Why we like it

The TD Aeroplan Visa Business Card impresses with its obtainable welcome bonus, low interest rate and increased earn rate on essential business purchases.

Pros

A 14.99% interest rate on purchases is unusual for a card packing this many benefits, including a healthy earn rate on business purchases like shipping and internet.
Wide range of insurance provided.
Travel perks include statement Credits For NEXUS Holders, free checked bags and Maple Leaf Lounge guest pass.

Cons

Most travel perks require cardholders to hit spending thresholds before they can be claimed.
Smaller businesses may not spend enough to score the full welcome bonus.

Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
$149 annual fee — rebated in the first year.
Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
Visa SavingsEdge program: save up to 25% on eligible business purchases.
Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
Toll-free emergency travel assistance services.
Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
Purchase security and extended warranty protection.
Minimum credit limit of $1,000.
Interest rates: 14.99% on purchases, 22.99% on cash advances.

Summary of the best TD Bank credit cards

TD Bank Credit Card	Interest Rate	Intro Offer
TD Rewards Visa* Card	19.99%.	15,152 Points (terms apply.)
TD Platinum Travel Visa* Card	20.99%.	Up to 50,000 Points (terms apply).
TD Business Cash Back Visa* Card	19.99%.	N/A
TD Business Travel Visa* Card	19.99%.	Up to 175,000 Points (terms apply).
TD® Aeroplan® Visa Platinum* Card	20.99%.	Up to 20,000 Points (terms apply).
TD® Aeroplan® Visa* Business Card	14.99%.	Up to 60,000 Points (terms apply).
TD® Aeroplan® Visa Infinite* Card	20.99%.	Up to 50,000 Points (terms apply).
TD® Aeroplan® Visa Infinite Privilege* Credit Card	20.99%.	Up to 85,000 Points (terms apply).
TD Cash Back Visa Infinite* Card	20.99%.	Up to $350 (terms apply).
TD First Class Travel® Visa Infinite* Card	20.99%.	Up to 100,000 Points (terms apply).
TD Cash Back Visa* Card	19.99%.	N/A.
TD Low Rate Visa* Credit Card	12.90%.	N/A.

How TD Bank credit cards work

Toronto-Dominion Bank, more commonly known as TD Bank, is one of Canada’s leading financial institutions and it offers a variety of credit cards designed for specific consumers, ranging from students to business owners.

General Types of TD Bank credit cards

TD Bank issues their own bank credit cards, as well as several branded credit cards in partnership with Aeroplan, the popular loyalty program of Canada’s largest airline, Air Canada.

TD Bank offers over a dozen cards tailored for different needs, including cards for students, businesses, low interest cards, rewards and cash back cards and a U.S. dollar card.

TD Bank cash-back cards. Cash-back credit cards earn a set amount of money back for each eligible purchase.
TD Bank travel credit cards. These cards let you earn travel rewards, TD Rewards points and often feature other travel-friendly perks like airport lounge access, priority boarding and travel insurance.
TD Bank Aeroplan credit cards: Co-branded cards that earn Aeroplan rewards points to be used when flying Air Canada.
TD Bank general rewards cards: Rewards credit cards earn points from a financial institution’s proprietary loyalty program, which can be redeemed for a variety of items like merchandise or gift cards and more.
TD Bank business credit cards. These cards can help business owners separate business from personal spending, and earn rewards.
TD Bank student credit cards. Student credit cards often have lower interest rates, low or no annual fees and can help build credit.
TD Bank low-interest credit cards. These cards have lower-than-normal interest rates for those who want to minimize debt or may carry a balance.
TD Bank U.S. dollar cards. A U.S. dollar card allows you to make purchases in American cuurency without paying a foreign transaction fee.

Common features of TD Bank credit cards

Available as Visa cards

At this time, all TD Bank credit cards are affiliated with the Visa network. This means TD Bank credit card holders have access to the top tier Visa Infinite-brand cards, if they qualify. There are no TD Bank Mastercard or American Express options.

Average interest rates

Most of TD Bank credit cards come with an interest rate between 19.99% and 20.99% for purchases, and 22.99% for cash advances. However, the issuer also offers low interest cards that range from 11.99% to 14.99%.

Annual fees are common

Many, but not all, TD Bank credit cards charge an annual fee; an amount paid upfront, once a year, every year you carry the card. An annual fee may be worth it if the value of the rewards you’ll earn exceeds the cost. Here’s a look at the annual fees of the TD credit cards in our list.

Additional perks and rewards

You don’t have to carry a top-tier TD Bank card in order to gain access to some valuable perks. Some of TD’s low rate and no-fee credit cards offer things like rental car discounts, purchase security and extended warranty protection, and the ability to earn accelerated rewards at participating Starbucks stores.

How to choose the best TD bank credit card for you

When choosing any credit card, be sure to look for the eligibility requirements. It doesn’t make sense to apply for a credit card that has age, location, income or credit score requirements you can’t satisfy.

Annual fees. Cards that charge annual fees tend to have more and higher value perks than those that don’t. Be sure that the value of any rewards you’ll earn with the card offset what you’ll pay to carry it.

Interest rate. If you tend to keep a balance on your card, it’s wise to look for a card with a lower interest rate.

Rewards or cash back. Rewards can be more lucrative than cash back but can be complicated to redeem.

Who should consider a TD Bank credit card?

Anyone who currently banks with TD and is in need of a credit card should consider TD Bank’s credit card options. If you’re already a customer, TD will have access to some of your financial information, and applying for a card will be easier.

If you just want to earn more on everyday spending, take a look at TD Cash Back Visa Infinite* Card and TD Cash Back Visa* Card, which deliver 1%-3% cash-back on groceries, gas and recurring bill payments.

TD’s co-branded Aeroplan credit cards can be particularly attractive to those who frequently fly Air Canada, and want to earn points that can be used toward cheaper fares or luxury perks.

How to get a TD Bank credit card

The easiest way to apply for a TD Bank credit card is to start on the bank’s website. Once you’ve selected the card you want, just click the “Apply Online” button.
You’ll then be asked if you’re an existing client or not. If you’re already a TD Bank customer, applying for a card will be a faster process. You’ll be asked to log in to your account and much of the credit card application will be pre-filled based on your account details.
If you’re not an existing client you’ll need to be a permanent resident of Canada and the age of majority in your territory or province. To apply online, you’ll also need an email address. If you don’t have an email address or don’t want to apply online you can go into a branch, book an in-person appointment online or speak to someone via phone.
If a specific income is required to apply for the card, TD will highlight the card’s income requirements. Note that business credit cards may have stricter requirements and you’ll generally have to prove that you own a business.
You’ll then need to consent to the terms and conditions and provide personal information, such as your name and income. While you don’t have to provide your social insurance number (SIN), it will speed up the application process especially if the bank wants to do a credit check.

It can take up to two business days to know if you’ve been approved for a TD Bank credit card, and then another 7 to 10 business days to have to receive the card via the mail.

You can apply for a TD Bank credit card online, over the phone, or by booking an appointment at a branch location near you. It generally takes about 7 to 10 business days to get your TD credit card in the mail, once your application is approved.

The best TD Bank card for you depends on your spending habits and goals, but in general, the TD® Aeroplan® Visa Infinite* Card is a great card for travellers who want to collect Aeroplan points. Likewise, the TD Cash Back Visa* Card may be a worthwhile option for those who want cash back on everyday spending without paying an annual fee.

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About the Authors

Shannon Terrell

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

Georgia Rose

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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