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
Rewards breakdown
Rewards breakdownPoints for every $1 spent on eligible gas and electric vehicle charging purchases.
Points for every $1 spent on eligible grocery purchases.
Points for every $1 spent on eligible direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Point for every $1 spent on all other Purchases made with your Card.
NerdWallet's take
NerdWallet's takeWith a full suite of travel insurances, free checked bags for up to 8 companions, family point sharing, rental car perks and no blackouts or restrictions on travel bookings, the TD Aeroplan Visa Infinite card checks a lot of boxes. However, the $139 annual fee may be too steep for some users, and anyone looking for airport lounge access won’t find it here. Best for: Families who fly Air Canada and spend big on everyday purchases.
Pros
- Rental car discounts.
- Free checked bags.
- NEXUS rebates.
Cons
- Low max earn rate (1.5x points).
- Slightly higher than average $139 annual fee for a travel card.
Card details
Card details- Up to $1,450 in value† including up to 45,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply. 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 $3,000 within 90 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- 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.
- Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, 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 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. 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.
- 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.
- 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.
Rewards breakdown
Rewards breakdownPoints for every $1 you spend when you book travel through Expedia® For TD†.
Points for every $1 you spend on Groceries, Dining, and Public Transit†.
Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
Points for every $1 you spend on other Purchases made using your Card†.
NerdWallet's take
NerdWallet's takeWith earn rates of up to 4x TD Rewards Points and flexibility in how points can be redeemed, this card provides a respectable amount of value for a card with no annual fee. Just don’t expect extras like travel perks or insurance. Best for: Expedia aficionados on a budget.
Pros
- No annual fee.
- Earns points on a variety of everyday spending categories.
- Discounts of at least 5%-10% on Avis and Budget rentals.
Cons
- Highest earn rate restricted to Expedia travel bookings.
Card details
Card details- Earn a value of $50† in TD Rewards Points† to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- 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, Dining, and Public Transit†.
- Earn 2 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
- Earn 1 TD Rewards Points for every $1 you spend on other Purchases made using your Card†.
- Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
- 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.
Rewards breakdown
Rewards breakdownPoint for every $1 spent on eligible gas and electric vehicle charging purchases.
Point for every $1 spent on eligible grocery purchases.
Point for every $1 spent on eligible Air Canada® purchases, including Air Canada Vacations®, made with your card.
Point† for every $1.50 spent on all other eligible purchases† made with your Card.
NerdWallet's take
NerdWallet's takeThis low-fee travel card may be short on bells and whistles for those seeking lavish airport experiences, but anyone in the market for a straightforward entry point into the Aeroplan program will find what they’re looking for. Best for: Cost-conscious Aeroplan point collectors.
Pros
- Low $89 annual fee.
- Decent travel insurance.
Cons
- No airport perks.
- Low base rate of 0.67 point per $1 spent.
Card details
Card details- Up to $500 in value†, including up to 20,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply.
- 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 the offer is in effect.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®†.
- 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 200+ 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.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- 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.
Methodology
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 TOPAvailable 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 cards, if they qualify. TD Bank does not currently have Mastercard or American Express options.
Average interest rates
Most of TD Bank credit cards come with an interest rate of 21.99% 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 TD Bank credit cards charge an annual fee, although a few do not. An annual fee may be worth it if the value of the rewards or benefits outweighs the cost.
Additional perks and rewards
You don’t need a top-tier TD Bank card to enjoy extra benefits. Some of TD’s low rate and no-fee credit cards include perks 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
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?
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?
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.
DIVE EVEN DEEPER
Shannon Terrell
