Best TD credit cards in Canada
Fact Checked: Scott Birke
Updated: March 27, 2024
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.
TD credit cards offer lucrative cash back rates, travel benefits such as access to the Aeroplan program, and low-interest rates. Here's our best TD credit card list to help you find the right TD Visa cards for you.
Best TD Visa cashback card
TD Cash Back Visa Infinite* Card
3% Earn 3% cash back on groceries, gas, and recurring bill payments†
1% Earn 1% cash back on all other purchases†
50% Earn 50% more Starbucks Stars when you link your TD card to your Starbucks account.†
$139 Annual Fee First additional cardholder is $50. After that, each card is $0.
20.99% Purchase APR APR for purchases 20.99%†
22.99% Cash Advance APR APR for cash advances 22.99%†
22.99% Balance Transfer Rate APR for balance transfers 22.99%†
Excellent Recommended Credit Score
$60,000 Required Annual Personal Income
$100,000 Required Annual Household Income
Welcome Offer Ends Jun 3, 2024
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.
Learn moreBest TD Visa Aeroplan card
TD® Aeroplan® Visa Infinite* Card
1.5 points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)†
1 point Earn 1 point for every $1 you spend on all other purchases†
2x Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.†
50% Earn 50% more Aeroplan points at Starbucks when you link your card to your account.†
1 NEXUS application fee rebate every 48 months†
1st checked bag free for you and up to 8 travel companions†
$139 Annual Fee Additional cardholder is $75.†
20.99% Purchase APR APR for purchases 20.99%†
22.99% Cash Advance APR APR for cash advances 22.99%†
22.99% Balance Transfer Rate APR for balance transfers 22.99%†
2.50% Foreign Transaction Fee Foreign transaction fee: 2.50%†
Excellent Recommended Credit Score
$60,000 Required Annual Personal Income
$100,000 Required Annual Household Income
Welcome Offer Ends Jun 3, 2024
Earn up to $1,200 in value† including up to 50,000 Aeroplan points†. Conditions Apply. Account must be approved by June 3, 2024.
Learn moreBest TD Visa rewards card
TD Rewards Visa* Card
4 Points Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†
3 Points Earn 3 TD Rewards Points for every $1 you spend on groceries and restaurants†
2 Points Earn 2 TD Rewards Points for every $1 you spend on recurring bills†
1 Points Earn 1 TD Rewards Point for every $1 you spend on all other purchases†
50% Earn 50% more TD Rewards Points and 50% more Stars at Starbucks†
$0 Annual Fee Additional cardholder is $0
19.99% Purchase APR APR for purchases 19.99%†
22.99% Cash Advance APR APR for cash advances 22.99%†
22.99% Balance Transfer Rate APR for balance transfers 22.99%†
Excellent Recommended Credit Score
$0 Required Annual Personal Income
$0 Required Annual Household Income
Welcome Offer Ends Jun 3, 2024
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 June 3, 2024
Learn moreBest TD travel credit card
TD First Class Travel® Visa Infinite* Card
8 Points Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†
6 Points Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†
4 Points Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†
2 Points Earn 2 TD Rewards points for every $1 you spend using your card.†
10% Bonus Points Each year, received a birthday bonus equal to 10% of the total number of points earned over the 12 preceding months.†
$100 Get an annual TD Travel Credit when you book at Expedia For TD†
USD The annual fee is in USD
$139 Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.
20.99% Purchase APR APR for purchases 20.99%†
22.99% Cash Advance APR APR for cash advances 22.99%†
22.99% Balance Transfer Rate APR for balance transfers 22.99%†
Good Recommended Credit Score
$60,000 Required Annual Personal Income
$100,000 Required Annual Household Income
Welcome Offer Ends Jun 3, 2024
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.
Learn moreBest TD credit card for luxury travel
TD® Aeroplan® Visa Infinite Privilege*
2 points for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)†
1.5 points for every $1 you charge to your Card on eligible gas, groceries, travel and dining purchases.†
1.25 points for every $1 you charge to your Card on all other purchases.†
6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†
2x Earn points twice when you provide your Aeroplan number to Aeroplan partner brands and on the Aeroplan eStore†
50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account.†
$100 Get a NEXUS application fee rebate every 48 months.†
1st checked bag free for you and up to eight companions when your travel originates on an Air Canada flight.†
10% savings at Avis and Budget in North America, 5% off internationally†
$599 Annual Fee
20.99% Purchase APR APR for purchases 20.99%†
22.99% Cash Advance APR APR for cash advances 22.99%†
3.00% Balance Transfer Fee
2.50% Foreign Transaction Fee
Excellent Recommended Credit Score
$150,000 Required Annual Personal Income
$200,000 Required Annual Household Income
Welcome Offer Ends Jun 3, 2024
Earn up to $2,900 in value† including up to 85,000 Aeroplan points†. Conditions Apply. Account must be approved by June 3, 2024.
Learn moreHow 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 .
Applying online is typically the easiest way to get a TD credit card, but you can also apply in person at a branch or via phone if you’re someone who prefers speaking to someone directly.
How TD credit cards work
You can use your TD credit cards anywhere that accept Visa, the only card type TD issues.
Interest is charged on any amount you charge per month that isn’t repaid by the due date. How much interest you’ll pay depends on the card you have and the type of transaction. Typically, interest rates are 19.99% but can be higher for premium cards and lower for no-frills cards.
In order to reap the benefits of the TD rewards and benefits card, you need to meet the requirements of use, which can include minimum purchase amounts and/or maximum benefit amounts.
Depending on your unique needs and financial situation, you may qualify for some cards and not others. To know which card is best for you and which you can trust you will qualify for, review each card that is available to determine your best chance to get the best card with the best benefit.
TD credit cards rewards programs
TD credit cards offer three types of rewards programs: cash back, TD Rewards, and Aeroplan. Cash back is straightforward to understand, but the two different travel programs can affect your benefits and the value of your points. When picking a credit card, the rewards program is often a major consideration, so you’ll want to know how the TD credit cards rewards programs work.
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.
Best TD credit card summary
Card | Best For | Apply now |
---|---|---|
TD Cash Back Visa Infinite* Card | Cash back | Get started |
TD® Aeroplan® Visa Infinite* Card | Aeroplan Members | 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* | Luxury Travel | Get started |
Pros and cons of TD credit cards
Pros
-
The annual fee for some credit cards is waived if you have a TD All-Inclusive Bank Account
-
Two types of rewards programs to choose from
-
Relationship with both Expedia and Aeroplan
-
Visa cards are accepted at most retailers who accept credit card payments
Cons
-
No option for a credit card without foreign transaction fees
-
Only Visa cards available - no MasterCard or American Express
TD credit card FAQs
TD credit card reviews
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.