Best TD Bank Credit Cards in Canada
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.
Summary of the best TD Bank credit cards
| Card | NerdWallet rating | Annual fee | Interest rates | Rewards rate | Apply Now |
|---|---|---|---|---|---|
| TD® Aeroplan® Visa Infinite* Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 5.0/5 | $139 First year rebate | 21.99%/22.99% | 1x-1.5x Points | |
| TD Rewards Visa* Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 4.2/5 | $0 | 21.99%/22.99% | 1x-4x Points | |
| TD® Aeroplan® Visa Platinum* Card | APPLY NOW on TD's website | ||||
 APPLY NOW on TD's website | 4.5/5 | $89 First year rebate | 21.99%/22.99% | 0.67x-1x Points | |
More Nerdy Perspectives
The TD First Class Travel Visa Infinite Card is strong pick for travelers who don’t want to think too hard about redemptions: you’ll earn outsized rewards when booking through Expedia for TD, plus get a $100 annual travel credit and lounge access. An excellent value if you’re happy staying inside TD’s travel ecosystem.
The TD Aeroplan Visa Infinite Privilege Credit Card transforms the typical airport rush into a true VIP experience with dedicated priority check-in counters, early boarding and priority baggage handling when you fly with Air Canada. Add in free checked bags, complimentary lounge access and annual companion passes that start at $99, there isn't much to dislike about this card beyond its steep fee and formidable income requirements.
The TD Cash Back Visa Infinite Card is a strong everyday cash-back card with elevated rates on groceries and gas plus travel/perks protection, making it a solid all-around choice if you want simple, reliable value.
The TD Rewards Visa Card is a flexible, no-annual-fee rewards card that earns TD Rewards points on everyday purchases redeemable for travel, gift cards, and more.
Best TD Bank credit cards in Canada
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BACK TO TOPHow TD Bank credit cards work
BACK TO TOPToronto-Dominion Bank, more commonly known as TD Bank, is one of Canada’s leading financial institutions. It offers a variety of credit cards designed for different consumers — from students and newcomers to business owners and frequent travellers.
General types of TD Bank credit cards
BACK TO TOPTD Bank issues its own bank credit cards, as well as several co-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:
Cash-back cards earn a set amount of money back for each eligible purchase.
Travel credit cards earn TD Rewards points and often include travel perks such as airport lounge access, priority boarding, and travel insurance.
Aeroplan credit cards earn Aeroplan points to be used when flying Air Canada.
General rewards cards earn points through TD’s proprietary loyalty program, which can be redeemed for travel, merchandise, gift cards, and more.
Business credit cards help business owners separate business from personal spending, and earn rewards.
Student credit cards often have lower interest rates, low or no annual fees and can help build credit.
Low-interest credit cards with lower-than-average interest rates for those who want to minimize debt or may carry a balance.
U.S. dollar card that allows you to make purchases in American currency without paying a foreign transaction fee.
Common features of TD Bank credit cards
BACK TO TOPHow to choose the best TD bank credit card for you
BACK TO TOPWhen 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 valuable rewards. Be sure that the rewards you’ll earn offset the cost of carrying it.
Interest rate. If you tend to keep a balance on your card, look for a low-interest card to reduce ongoing costs.
Rewards or cash back. Rewards programs can offer more value than cash back, but may also be more complex to redeem.
Who should consider a TD Bank credit card?
BACK TO TOPTD Bank credit cards can be a good fit for a variety of users, especially those who already bank with TD.
If you are… | A TD Bank credit card may make sense because… | Cards to consider... |
|---|---|---|
An existing TD Bank customer | Applying may be smoother since TD already has your info, and select cards may offer first-year annual fee rebates for current customers. | TD® Cash Back Visa Infinite* Card, TD® Aeroplan® Visa Infinite* Card |
Looking for simple cash-back rewards | Earn straightforward cash back on everyday purchases like groceries, gas, EV charging, transit, recurring bills, and streaming. | TD® Cash Back Visa Infinite Card*, TD® Cash Back Visa Card* |
Interested in flexible travel rewards | Earn TD Rewards points that can be redeemed for travel, gift cards, merchandise, Amazon.ca purchases, or statement credits. | TD® First Class Travel® Visa Infinite Card*, TD® Rewards™ Visa Card* |
A traveller who books through Expedia | Get access to Expedia For TD, where you can earn bonus points and find exclusive travel deals and promotions. | TD® First Class Travel® Visa Infinite Card* |
A frequent Air Canada flyer | Earn Aeroplan points that can be used for flights, upgrades, and airline perks. | TD® Aeroplan® Visa Infinite Card*, TD® Aeroplan® Visa Platinum Card* |
Frequently asked questions
How do I apply for a TD Bank credit card?
How do I apply for a TD Bank credit card?
You can apply for a TD Bank credit card online, over the phone, or at a branch. Once approved, you’ll typically receive your card within 7–10 business days.
What’s the best TD Bank credit card?
What’s the best TD Bank credit card?
The best TD Bank card depends on your spending habits and goals. However, generally:
The TD® Aeroplan® Visa Infinite* Card is a strong choice for frequent travellers who want to collect Aeroplan points.
The TD Cash Back Visa* Card is a solid option for everyday spending and cash back rewards without paying an annual fee.
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Shannon Terrell
