Best TD Rewards Credit Cards in Canada - September 2026

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TD First Class Travel^® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year; No annual fee the first year
Our valuation: $1,039Milesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 160,000 points; + First Year Annual Fee Rebate

With the TD First Class Travel^® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points^† as well as an Annual Fee rebate for the first year^†:

20,000 TD Rewards Points for the first purchase made with your card^†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening^†
A Birthday Bonus of up to 10,000 TD Rewards Points^†

Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

With the TD First Class Travel^® Visa Infinite* Card, you earn:

8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
6 TD Rewards Points^† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points^† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points^† per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year^†.

Legal

^†Terms and conditions apply.

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending

Value

1st Year Value$1,406

2nd Year Value$531

Card benefits

Concierge service24/7

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days

Travel medical (55-64)Up to $2,000,000 / 21 days

Travel medical (65+)Up to $2,000,000 / 4 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental CollisionUp to $65,000 / 48 days

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TD First Class Travel® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year; No annual fee the first year
Our valuation: $1,039Milesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 160,000 points; + First Year Annual Fee Rebate

Features
Issuer: TD
Network
Loyalty Program: TD Rewards

Fees and terms
Annual Fee: $139/yr
Additional card: $50
Min. annual income: $60,000+
Household income: $100,000+

Interest rates
Purchases: 21.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn up to $1,400 in value^†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†
Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening^†
Get an Annual Fee Rebate for the first year^†
Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.
Earn a Birthday Bonus of up to 10,000 TD Rewards points^†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) 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.

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Rewards: Rate
Groceries: 6x
Restaurants: 6x
Transit: 6x
Bills & recurring payments: 4x
Streaming: 4x

Benefits
Airport lounges: $160
Concierge: Included

Travel insurance: Coverage
Travel medical (under 55): $2,000,000 · 21 days
Travel medical (55-64): $2,000,000 · 21 days
Travel medical (65+): $2,000,000 · 4 days
Trip Cancellation: $1,500
Trip Interruption: $5,000
Delayed Baggage: $1,000
Lost Baggage: $1,000
Flight Delay: $500
Hotel Burglary: $2,500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision: $65,000 · 48 days

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Pros

First Year Annual Fee Rebate
Welcome bonus of up to 160,000 points
6x on groceries
6x at restaurants

Cons

Requires good credit

With the TD First Class Travel^® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points^† as well as an Annual Fee rebate for the first year^†:

20,000 TD Rewards Points for the first purchase made with your card^†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening^†
A Birthday Bonus of up to 10,000 TD Rewards Points^†

With the TD First Class Travel^® Visa Infinite* Card, you earn…

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TD Platinum Travel Visa* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $89No annual fee the first year; No annual fee the first year
Our valuation: $339Milesopedia first-year estimate First-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 50,000 points; + First Year Annual Fee Rebate

Features
Issuer: TD
Network
Loyalty Program: TD Rewards

Fees and terms
Annual Fee: $89/yr
Additional card: $0
Min. annual income: —
Household income: $0+

Interest rates
Purchases: 21.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn up to $370 in value^†, including up to 50,000 TD Rewards Points^† and receive an Annual Fee rebate for the first year^†. Conditions apply.

Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card^†.
35,000 TD Rewards Points when you spend $3,000 within 180 days of Account opening^†.
Get an Annual Fee rebate for the first year^†

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

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, Dining, and Public Transit^†.
Earn 3 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
Earn 1.5 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.

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Rewards: Rate
Transit: 4.5x
Groceries: 4.5x
Restaurants: 4.5x
Bills & recurring payments: 3x
Streaming: 3x

Travel insurance: Coverage
Delayed Baggage: $1,000
Lost Baggage: $1,000
Flight Delay: $500
Hotel Burglary: $2,500
Travel Accident: $500,000

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision: $65,000 · 48 days

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Pros

First Year Annual Fee Rebate
Welcome bonus of up to 50,000 points
4.5x on groceries
4.5x at restaurants

Cons

Fewer premium perks

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a Annual Fee rebate for the first year:

15,000 TD Rewards points for the first purchase made with your card^†
35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening^†

This TD travel rewards credit card requires no minimum income.

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TD Rewards Visa* Card

TD TD Rewards

Annual fee: $0
Our valuation: $76Milesopedia first-year estimate First-year valueWelcome bonus$76Total$76Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$76Total$76Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: 15,152 points

Features
Issuer: TD
Network
Loyalty Program: TD Rewards

Fees and terms
Annual Fee: $0
Additional card: $0
Min. annual income: —
Household income: $0+

Interest rates
Purchases: 21.99 %
Cash advance: 22.99 %
Balance transfer: 22.99 %
Foreign transaction fee: 2.5 %

Issuer terms

Earn a value of $50^† in TD Rewards Points^† to use on eligible Amazon.ca purchases, with 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.

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Rewards: Rate
Restaurants: 3x
Groceries: 3x
Transit: 3x
Bills & recurring payments: 2x
Streaming: 2x

Purchase protection: Coverage
Purchase Protection: 90 days
Extended Warranty: +1 year
Mobile Device: $1,000

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Pros

No annual fee
Welcome bonus of 15,152 points
3x on groceries
3x at restaurants

Cons

Fewer premium perks

With the TD Rewards Visa* Card, you can earn TD Rewards points on your everyday purchases, such as groceries, dining out, bill payments, public transit, streaming services, or travel bookings.

You can earn 15,152 TD Rewards points^†, a value of $50 on Amazon.ca^†, when you spend $500 within 90 days of account opening^†.

Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia^® For TD^†
Earn 3 TD Rewards points per dollar spent on grocery, restaurant and public transit purchases^†
Earn 2 TD Rewards points per dollar on recurring bill payments and purchases of streaming services as well as games and digital media^†
Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card^†

Your card also allows you to redeem your TD Rewards points for a wide variety of rewards, including through Expedia^MD for TD, at Starbucks^®, and on Amazon.ca with the Amazon Shop with Points program. Conditions Apply…

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Why TD Rewards?

TD is one of Canada's largest banks with a strong credit card lineup. Whether you prefer Aeroplan points, cash back, or TD Rewards, TD has options for every spending style. TD Rewards points can be redeemed for travel, merchandise, and gift cards through the TD Rewards portal.

FAQ

Frequently Asked Questions

Should I get a TD Aeroplan or TD Rewards card?

If you fly frequently, get the TD Aeroplan card for airline-specific points. If you prefer flexibility, the TD Rewards Visa offers points redeemable for any travel or merchandise.

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Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Issuer terms

Pros

Cons

Why TD Rewards?

Frequently Asked Questions

Should I get a TD Aeroplan or TD Rewards card?

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