Best TD Credit Cards In Canada For October 2025
While all TD cards are valuable, the best TD credit card in Canada is the TD Aeroplan Visa Infinite Privilege Credit Card. With sweet travel perks like priority boarding and an annual companion pass for just $99, it's easy to see why this card is so popular.
Still, the TD First Class Travel Visa Infinite Card also offers impressive value, especially if you want flexible rewards, as does the TD Cash Back Visa Infinite Card with its free roadside assistance.
Weighing your TD options can be tricky, but our reviews below cover everything you need to know, including details on fees, rates, perks, and more.
Key Takeaways
- The best TD credit card in Canada is the premium TD Aeroplan Visa Infinite Privilege Card, followed by its Visa Infinite counterpart.
- TD offers a variety of solid travel and premium credit cards, but it lacks compelling cash back and Mastercard options.
- TD credit cards earn cash back and TD Rewards points, which cardholders can exchange for travel rewards through Expedia.
- You can apply for a TD credit card online, over the phone, or in person.
The best TD credit cards in Canada compared
As one of the biggest banks in Canada, TD has no shortage of Visa credit cards to choose from. We’ve made it easy to compare every card’s rewards-earning power by summarizing it as a return rate.
Value of rewards earned in $CAD / money spent in $CAD = return rate in %
The higher the return rate, the more rewards you get after making a purchase with your credit card. The best TD credit cards in Canada return up to $2.78 CAD in cash or points to your pocket for every $100 spent.
| Category | Credit card | Current offer | Annual fee | Average return rate |
|---|---|---|---|---|
| Best in Canada | TD Aeroplan Visa Infinite Privilege Credit Card | Up to 85,000 bonus points (terms) | $599 | 2.78% |
| Best flexible travel | TD First Class Travel Visa Infinite Card |  $25 GeniusCash + Up to 165,000 bonus points (terms) | $139 | 1.98% |
| Best Aeroplan | TD Aeroplan Visa Infinite Card | Up to 45,000 bonus points (terms) | $139 | 2.28% |
| Best cash back | TD Cash Back Visa Infinite Card | $100 GeniusCash + 10% cash back on eligible purchases for the first 3 months, first year fee rebate (terms) | $139 | 1.85% |
| Best budget travel | TD Platinum Travel Visa Card | Up to 50,000 bonus points (terms) | $89 | 1.35% |
| Best no fee | TD Rewards Visa Card | $20 GeniusCash + Up to 15,152 bonus points (terms) | $0 | 0.90% |
| Best student | TD Cash Back Visa Card | None | None | 0.71% |
| Best business | TD Aeroplan Visa Business Card | None | None | N/A |
| Best low interest | TD Low Rate Visa Card | $20 GeniusCash + None | $25 | N/A |
| Best U.S. travel | TD U.S. Dollar Visa Card | None | $39 | N/A |
If you need help deciding which card is best for you, check our top picks for:
- Biggest welcome bonus: A $85,000 welcome bonus makes the TD Aeroplan Visa Infinite Privilege Credit Card’s $599 annual fee a little easier to swallow.
- Highest estimated insurance value: With a dozen types of coverage, the TD Aeroplan Visa Infinite Privilege Credit Card carries an estimated $500+ worth of credit card insurance.
- Highest estimated perks value: Add up the TD Aeroplan VIP’s Visa Airport Companion, six free passes, and Air Canada perks, and you’ve got an estimated $1,100+ worth of benefits.
- Highest return rate: The TD Aeroplan Visa Infinite Privilege Credit Card collects Aeroplan points with 4x the value of TD Rewards points.
- Lowest annual fee: Although the TD Cash Back and Rewards Visa Cards won’t cost you a penny, they can’t match the earning power of premium cards.
- Lowest interest rate: The TD Low Rate Visa Card only charges 12.9% in interest if you carry a balance – but you won’t earn rewards on what you buy.
The overall winner is the TD Aeroplan Visa Infinite Privilege Credit Card, which excels in 4/6 categories – it’s our #1 pick for a reason!
1. Best TD credit card in Canada
Rewards:
- 2 points per $1 spent on Air Canada
- 1.5 points per $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining
- 1.25 points per $1 spent on all other purchases
Average return rate: 2.78%
The TD Aeroplan Visa Infinite Privilege Credit Card is a luxury travel credit card perfectly suited to frequent fliers. Flash this metal credit card whenever you fly Air Canada, and you’ll enjoy complimentary Maple Leaf Lounge access; priority baggage handling, check-in, and boarding; and one $99+ annual worldwide companion pass after you spend $25,000 in one year.
Value of reward in $CAD / value of reward in points = value of reward in cents per point (CPP)
The Aeroplan rewards program isn’t your only source of perks. You’ll also get complimentary concierge services, free hotel upgrades, and six free visits to any DragonPass airport lounge in the world courtesy of the Visa Infinite Privilege program.
Pros:
- 1,000 Aeroplan Elite Status qualifying miles and one qualifying flight per $5,000 spent
- $100 NEXUS credit every four years
- 12 types of insurance included
- 6 complimentary airport lounge visits per year
- One $99+ annual worldwide companion pass ($25,000 spend required)
- One travelling companion per Maple Leaf Lounge visit
- Air Canada benefits
- Visa Infinite Privilege benefits
Cons:
- $150,000 personal or $200,000 household income required
2. Best TD flexible travel credit card
GC: $25
Rewards:
- 8 points per $1 spent on travel booked online through Expedia For TD
- 6 points per $1 spent on groceries, restaurants, and public transit
- 4 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 2 points per $1 spent on all other purchases
Average return rate: 1.98%
The TD First Class Travel Visa Infinite Card is our top TD travel card, thanks in part to its stellar welcome bonus: up to 165,000 TD Rewards points. Yes, the card has an annual fee, but it’s waived for the first year, which gives you a chance to see just how valuable it is in your wallet.
In addition to a solid earn rate, you’ll get an annual $100 travel credit and a dozen types of insurance included. If you decide to keep the card, you’ll see that it quickly pays for itself.
Pros:
- $100 annual Expedia for TD travel credit
- 50% bonus Stars at Starbucks
- 12 types of insurance included
- 10% birthday bonus points
- Up to 10% off AVIS and Budget car rentals
- Visa Infinite benefits
Cons:
- $60,000 personal or $100,000 household income required
- $50 additional card fee
3. Best TD Aeroplan credit card
Rewards:
- 1.5 points per $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada purchases
- 1 point per $1 spent on all other purchases
Average return rate: 2.28%
Compared to the TD Aeroplan VIP, the TD Aeroplan Visa Infinite Card has lower fees, lower income requirements, and only slightly fewer perks and travel insurance. It also has a lower annual fee of $139.
You’ll still have the Visa Infinite program and a solid credit card insurance package to make your travel smoother. As a premium credit card user, you and up to eight travelling companions can get your first checked bags for free when you fly Air Canada and get preferred pricing on rewards flights.
Pros:
- 1,000 Aeroplan Elite Status qualifying miles and one qualifying flight per $5,000 spent
- $100 NEXUS credit every four years
- 12 types of insurance included
- Air Canada benefits
- Automatic Avis Preferred Plus status
- Visa Infinite benefits
Cons:
- $60,000 personal or $100,000 household income required
4. Best TD cash back credit card
GC: $100
Rewards:
- 3% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills
- 1% cash back on all other purchases
Average return rate: 1.85%
The TD Cash Back Visa Infinite Card is the rare, premium cash back credit card with the even rarer perk of free roadside assistance. Cardholders can ask a Visa Infinite concierge to plan their day, grab a discount rental car from AVIS or Budget, and relax knowing they’ve got a complimentary Deluxe membership in the TD Auto Club worth an estimated $100.
Pros:
- 50% bonus Stars at Starbucks
- Up to 10% off AVIS and Budget car rentals
- Cash back on demand ($25 minimum)
- Complimentary roadside assistance
- Visa Infinite benefits
Cons:
- $60,000 personal or $100,000 household income required
- $15,000 annual cap on eligible spending in the gas, grocery, and recurring bills categories, after which rewards drop to 1%
- $50 additional card fee
5. Best TD budget travel credit card
Rewards:
- 6 points per $1 spent on travel booked online through Expedia For TD
- 4.5 points per $1 spent on groceries, restaurants, and public transit
- 3 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 1.5 points per $1 spent on all other purchases
Average return rate: 1.35%
Boasting modest travel insurance, no income requirements, and a small extra card fee, the TD Platinum Travel Visa Card is an excellent option for couples trying to save up for a vacation. The included rental car coverage alone is worth an estimated $140 – road trip, anyone?
Pros:
- 50% bonus Stars at Starbucks
- Up to 10% off AVIS and Budget car rentals
- 9 types of insurance included
- No income requirements
Cons:
- $15,000 annual cap on eligible spending in the Expedia, grocery, restaurant, and recurring bills categories, after which rewards drop to 1.5 points per $1
6. Best TD no fee credit card
Rewards:
- 4 points per $1 spent on travel booked online through Expedia For TD
- 3 points per $1 spent on groceries, restaurants, and public transit
- 2 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 1 point per $1 spent on all other purchases
Average return rate: 0.90%
The TD Rewards Visa Card can’t match the rewards of a premium card, but it has no annual fees or income requirements. If we have one complaint, it’s that TD still expects us to visit Expedia for TD to earn points – there are other cards with more flexible rewards and spending categories better suited to thrifty Canadians.
Pros:
- 50% bonus Stars at Starbucks
- Up to 10% off AVIS and Budget car rentals
- No income requirements
Cons:
- Only 3 types of insurance included
7. Best TD student credit card
Rewards:
- Earn 1% cash back on gas, groceries, EV charging, public transit, digital gaming, and recurring bills.
- Earn 0.5% cash back per $1 spent on all other purchases.
Average return rate: 0.71%
You won’t catch us grousing about the TD Cash Back Visa Card’s low return rate and lacklustre insurance – such things are expected of a student credit card. What’s more important is that it can help you build your credit score and enjoy a few savings along the way.
Pros:
- 50% bonus Stars at Starbucks
- Up to 10% off AVIS and Budget car rentals
- Cash back on demand ($25 minimum)
- No income requirements
Cons:
- Only 2 types of insurance included
- No cash back on demand
8. Best TD business credit card
Rewards:
- 2 points for every $1 spent on eligible purchases made directly with Air Canada
- 1.5 points for every $1 spent on eligible purchases for travel, dining, and select business categories like shipping, internet, cable and phone services
- 1 point for every $1 spent on all other eligible purchases
The TD Aeroplan Visa Business Card exceeds the perks and rewards of its civilian counterpart, making it a smart choice for small business owners. The more you spend, the higher your Aeroplan membership level will go – plus you can earn up to 4 Maple Leaf Lounge passes per year.
Pros:
- 1,000 Aeroplan Elite Status qualifying miles and one qualifying flight per $5,000 spent
- $100 NEXUS credit every four years
- 50% bonus points and Stars at Starbucks
- Up to 10% off AVIS and Budget car rentals
- 9 types of insurance included
- One Maple Leaf Lounge guest pass per $10,000 spent (up to four passes per year)
- Complimentary Avis Preferred Plus membership
- First free checked bag for cardholder and up to eight travelling companions
- Visa SavingsEdge and TD Card Management business included
Cons:
- $80,000 annual cap on eligible spending in the Air Canada, travel, restaurants, and recurring bills categories, after which rewards drop to 1 point per $1 spent
- $60,000 personal or $100,000 household income required
- $149 annual fee
9. Best TD low interest credit card
Rewards: None
Average return rate: N/A
The TD Low Rate Visa Card is best suited for unexpected emergencies and large purchases that’ll take you more than one credit card billing cycle to repay. You won’t earn any rewards, but you’ll only have to pay 12.9% interest on any balance you carry.
Pros:
- 50% bonus stars at Starbucks
- 12.9% interest on balance transfers, cash advances, and purchases
- Up to 10% off AVIS and Budget car rentals
- 2 types of insurance included
- No income requirements
Cons:
- Only 2 types of insurance included
10. Best TD U.S. travel credit card
Rewards: None
Average return rate: N/A
The TD U.S. Dollar Visa Card is a simple tool designed for a single purpose: avoiding the currency exchange rate fee that most credit cards charge for foreign purchases. For $39 per year, you can save on every U.S. dollar transaction – and about $300 on travel insurance for every trip. Note that you’ll need to pay your credit card bill in USD, so it’s best to have a source of USD income.
Pros:
- Up to 10% off AVIS and Budget car rentals
- 7 types of insurance included
- No foreign transaction fee on USD purchases
- No income requirements
Cons:
- No rewards on purchases
- Bill payments are in USD
Compare all TD credit cards
GC: $25GC: $100This table displays our default Genius Rating, which applies a standard weight to all 8 scoring categories (rewards, fees, insurance, interest, perks, approval, and acceptance).
Learn more about the Genius Rating methodology
Pros and cons of TD credit cards
There’s plenty of choice when it comes to TD credit cards, but not as much when it comes to the strengths and weaknesses of TD as a bank. The perks of shopping for TD credit cards include:
- Annual fee rebates through the TD All-Inclusive Banking Plan (more on that later)
- An average of $310 worth of insurance, including hard-to-find medical term coverage for travellers over 65
- An average of $273 worth of perks and benefits, including the rare roadside assistance
- A large selection of products for a variety of Canadians
- Competitive travel and premium rewards credit cards
- High return rates for premium credit cards
But you might think twice when you find out TD has:
- High annual fees for premium cards
- High income requirements for premium cards
- Low return rates in non-travel spending categories
- Low value for non-travel rewards
- No Mastercard credit cards
If you get a TD rewards credit card, be prepared to use Expedia for TD – a lot. Even non-premium TD rewards cards reserve their best return rates for travel on Expedia, which can be annoying for Canadians who prefer staycations.
TD credit card insurance: What's included and what isn't
TD is pretty generous with its insurance offerings. Although the exact coverage types and limits vary depending on the card, this insurance is commonly included:
- Emergency medical insurance: Some TD cards pay for eligible medical emergencies for a specific number of days. People over 65 typically get fewer days of coverage.
- Trip cancellation or interruption: You can receive a payout for non-refundable trip costs if your trip is delayed or cancelled for a covered reason.
- Lost, stolen, or delayed baggage: File a claim if your baggage is lost, stolen, or delayed during travel, and you may be reimbursed up to a specific amount.
- Travel accident insurance: This coverage is broader, paying for accidents that happen while you’re on a bus, train, or plane.
- Mobile device: Some TD cards cover repair or replacement (up to a certain amount) if your mobile device is damaged, lost, or stolen.
- Extended warranty: This is one of the most basic insurance options for things you buy with your TD credit card. It typically extends an item’s warranty by one to two years.
- Purchase protection: Most cards come with 90 days of purchase protection, which pays for loss, theft, or damage of items you buy with the card.
- Hotel burglary: If your personal items are stolen from a hotel or motel room, you can submit a claim for up to a specific dollar amount.
- Rental car theft and damage: If you charge the full cost of a rental car to your TD card, you’ll enjoy some coverage against damage or theft of the rental car.
Again, not all TD cards have the full complement of coverage. Some cards may only have a few of these policies, and coverage limits will vary. Usually, premium cards or those with higher annual fees have better insurance coverage than basic cards.
Remember: Always read your card’s certificate of insurance to find out exactly what insurance coverage you have.
Get an annual fee rebate with the TD All-Inclusive Banking Plan
The TD All-Inclusive Banking Plan is a premium chequing account that costs $29.95 per month. Sign up to receive a $139 annual fee rebate for one TD credit card, a $75 fee rebate for one additional cardholder, and the following benefits:
- $0 monthly fees as long as you keep a minimum of $5,000 in your account
- $0 fees at non-TD and foreign ATMs
- A complimentary safety deposit box
- Complimentary certified cheques, money orders, and personalized cheques
- Unlimited transactions
The TD All-Inclusive Banking plan also includes extras like fraud alerts and 50% bonus Stars at Starbucks. If you plan on shopping with a TD credit card, you may want to consider banking with TD, too.
How do TD credit cards work?
Because TD Canada Trust only offers Visa credit cards, acceptance should rarely be an issue. You can tap, swipe, or insert your card in over 200 countries and 2.5 million ATMs worldwide. To pay off your balance (or redeem your rewards), use the TD banking website, telephone line, or mobile app.
Types of TD credit cards
Here's a look at the types of cards available from TD and examples of each:
- Cash back rewards: TD Cash Back Visa Infinite Card
- Travel credit cards: TD First Class Travel Visa Infinite Card
- Low interest credit cards: TD Low Rate Visa Card
- Student credit cards: TD Cash Back Visa Card
- Business credit cards: TD Aeroplan Visa Business Card
- Premium credit cards: TD Aeroplan Visa Infinite Privilege Credit Card
How does TD cash back work?
Whenever you use your TD credit card to make a purchase, you collect a small percentage of the purchase price as Cash Back Dollars to spend later. You can redeem Cash Back Dollars on an annual statement credit or ask for at least $25 on demand using TD’s banking website, mobile app, telephone line, or in-person services.
How does Aeroplan work?
Aeroplan is a loyalty program owned and operated by Air Canada (along with CIBC and TD). With an Aeroplan credit card, you can earn valuable Aeroplan points on every purchase – but the best rates only kick in when you buy flights or services through Air Canada.
Although Aeroplan points are flexible, we recommend redeeming them on flight tickets. Snag a good deal, and you could reap 2 CPP or more.
How does TD Rewards work?
TD Rewards is a flexible credit card rewards program. You can redeem your points on Expedia for TD for 0.5 CPP, on a credit for any travel for 0.4 CPP, on Amazon for 0.33 CPP, and on merchandise, gift cards, and statement credits for 0.25 CPP.
Like many rewards programs, you’ll get more value if you redeem your points for travel. Expedia for TD offers flights, hotels, car rentals, cruises, train tickets, and vacation packages at a fixed rate of 200 TD points per $1, so you don’t have to crunch numbers to find the best value.
Opt for a different travel provider, and you’ll have to pay 250 TD points for $1. If you redeem over 300,000 points at once, every dollar over $1,200 will only cost you 200 TD points – a value of 0.5 CPP!
How to choose a TD bank credit card
Choosing a TD credit card requires comparing a few different features, such as the annual fee and interest rates. Everyone's needs are different, though, so be sure to study the details that are important to you and your personal finance journey.
Start by considering these factors:
- Annual fee: No-fee cards can be tempting, but they usually include fewer extras. A card with solid insurance and useful features may easily justify its annual fee by providing more overall value.
- Interest rates: Especially if you sometimes carry a balance, focus on cards with lower interest charges.
- Rewards program: Choose a card with a rewards program that works for you, and that has high earn rates in the categories you spend on most often.
- Average earn rate: Look at your main spending categories and pick a card that gives the strongest rewards where you spend most.
- Insurance package: Most cards come with at least some insurance, so choose one that offers the coverage that fits your needs – the more the better.
- Unique perks: Consider added features like airport lounge access, savings with partnering businesses (like Starbucks or Budget car rentals), and determine which ones are most important to you.
- Welcome bonus: Look for a welcome offer that fits your spending style – like cash back on everyday purchases or points in the loyalty program you value most.
TD credit cards vs. other banks
So, how does TD stack up to the competition? Take a look at the main differences between TD and the other big banks.
| TD | RBC | BMO | CIBC | Scotiabank | |
|---|---|---|---|---|---|
| Credit cards | 14 | 20 | 13 | 25 | 16 |
| Payment networks | * Visa | * Mastercard * Visa | * Mastercard * Visa | * Mastercard * Visa | * American Express * Visa |
| In-house rewards | TD Rewards | Avion Rewards | BMO Rewards | Aventura Rewards | Scene+ |
| Max rewards points value | 0.5 cents per point | 2.33 cents per point | 0.67 cents per point | 2.29 cents per point | 1 cent per point |
| Partner rewards and co-branded cards | * Aeroplan | * British Airways * Moi Rewards * WestJet | * AIR MILES | * Aeroplan * Costco | * None |
| Max rate of return | 2.78% | 2.91% | 2.05% | 3.34% | 2.45% |
| Best credit card | TD First Class Travel Visa Infinite Card | RBC Avion Visa Infinite Privilege | BMO CashBack World Elite Mastercard | CIBC Aventura Visa Infinite Card | Scotiabank Gold American Express Card |
FAQ
How do you activate a TD credit card?
You can activate a Canadian TD credit card by calling the phone number on the activation sticker (1-877-491-6062) and following the automated steps. Alternatively, you can activate it by logging into the TD App and clicking "Activate Now."
How do you pay a TD credit card?
You can make a payment on a TD credit card using the TD banking website, telephone line, or mobile app. You can also pay your credit card by using the web, mobile, or telephone banking system of another bank.
Which is the best TD credit card?
The TD Aeroplan Visa Infinite Privilege Credit Card is the best in Canada, but the best for you depends on which features or benefits are important to you. If you want a no-fee card, try the TD Rewards Visa Card.
What credit score do you need to get a TD credit card?
Most TD credit cards require a score of 660 or more. But, eligibility is based on more than just credit score, so having a score above 660 doesn’t guarantee acceptance, and, likewise, having a score below 660 doesn’t guarantee denial.
Which TD credit card has no annual fee?
There are three TD credit cards with no annual fees: the TD Rewards Visa Card, the TD Cash Back Visa Card, and the TD Aeroplan Visa Business Card. There are also no income requirements with these cards.
Editorial Disclaimer: The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 229 Canadian credit cards.
