Best TD Credit Cards in Canada
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Find the right TD credit card for your spending habits and financial goals with our comprehensive 2026 comparison.
For the two TD leaders, we published full reviews: the TD Aeroplan Visa Infinite and the TD First Class Travel Visa Infinite.
To see how TD cards stack up against the whole market, compare them in our best travel credit cards, best Aeroplan credit cards and best cash back credit cards rankings.
Ratesopedia’s Take: TD Bank offers one of Canada’s most diverse credit card portfolios, spanning premium Aeroplan cards with airport lounge access, flexible travel rewards through TD Rewards, and competitive cash back options. Whether you’re a frequent Air Canada flyer or simply want to maximize everyday spending, TD’s lineup includes cards with first-year fee waivers and welcome bonuses reaching up to 165,000 points—making them worth comparing against offerings from other major Canadian banks.
TD Credit Card Portfolio Overview
TD Bank provides Canadian consumers with credit cards across multiple rewards ecosystems.
The bank’s primary offerings focus on three distinct reward structures:
- Aeroplan points (Air Canada’s loyalty program),
- TD Rewards points (flexible travel redemptions),
- Cash Back Dollars (straightforward rebates).
Each rewards type serves different consumer preferences, from airline-specific benefits to open-ended travel flexibility.
Most TD premium cards carry a $139 annual fee with first-year rebates available on select products. Interest rates for purchases typically sit at 21.99% across the portfolio, with cash advance rates at 22.99% (21.99% in Quebec). For those prioritizing lower borrowing costs over rewards, TD also maintains low-interest options with rates as competitive as 12.90%. Before selecting any credit card, compare the earning potential against your typical monthly spending patterns to determine realistic value.
Best TD Cards by Category
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $599 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $0 | |||
| $25 |
Best TD Cards for Aeroplan Points
TD® Aeroplan® Visa Infinite* Card
With this offer for TD® Aeroplan® Visa Infinite* Card, you can earn up to 40,000 Aeroplan points† and no annual fee for the first year:
It’s the best TD credit card for occasional Air Canada travellers. With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per eligible dollar spent on:
TD® Aeroplan® Visa Infinite Privilege* Credit Card
With TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 85,000 Aeroplan points†:
It’s the best TD credit card for Air Canada frequent flyers.
With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you earn 1.5 points† per eligible dollar spent on:
And 2 points† per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points† per dollar.
TD® Aeroplan® Visa Platinum* Card
With the TD Aeroplan Visa Platinum* Credit Card, you can earn up to 15,000 Aeroplan points and a rebate on annual fees in the first year:
With the TD® Aeroplan® Visa Platinum* Credit Card, you earn 1 point per dollar spent on eligible purchases for:
This TD Aeroplan credit card requires no minimum income.
Best TD Cards for Flexible Travel Rewards
TD First Class Travel® Visa Infinite* Card
With the TD First Class Travel® Visa Infinite* Card, you can get up to 165,000 TD Rewards points† and a rebate on the annual fee for the first year:
Plus, get an Annual Fee Rebate for the first year.† This is the highest offer we have ever seen!
With the TD First Class Travel® Visa Infinite* Card, you earn:
This TD credit card is one of the best TD travel rewards cards. As of April 30, 2025, it now offers access to airport lounges with 4 free visits per year.
Best for Cash Back
TD Cash Back Visa Infinite* Card
With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:
And 1% cash back on all other purchases.
It’s the best TD cash back credit card, especially for gas purchases.
With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!
Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.
Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.
TD Cash Back Visa* Card
Cash Back Dollars can be used to pay down your credit card balance.
In addition, with the TD Cash Back Visa* Card, you earn :
What’s more, TD Cash Back Visa* Card has no annual fee and offers purchase insurance and extended warranty protection. This TD credit card requires no minimum income.
Best TD Card for Low Interest Rates
TD Low Rate Visa* Credit Card
The TD Low Rate Visa* Card helps you save with a competitive annual interest rate of 12.90%† (13.90%† in Quebec) on purchases and cash advances.
Take advantage of the current promotional offer with a 0% interest rate on purchases for the first six months† after account opening — making it one of the top low-rate credit cards in Canada.
As a cardholder, you have access to optional travel medical insurance† and trip cancellation/interruption insurance†, plus you can earn 50% more Stars at Starbucks®.
The card is also compatible with Apple Pay† and Samsung Pay†.
Comparing TD Card Features
The table below summarizes key specifications across TD’s primary credit card offerings, enabling side-by-side comparison of annual fees, income requirements, and core earning structures.
| Card Name | Annual Fee | Income Requirement | Primary Earning Rate |
|---|---|---|---|
| TD Aeroplan Visa Infinite | $139 (FYF) | $60K personal / $100K household | 1.5 pts/$ on select categories |
| TD Aeroplan Visa Infinite Privilege | $599 | $150K personal / $200K household | 1.5-2 pts/$ on select categories |
| TD First Class Travel Visa Infinite | $139 (FYF) | $60K personal / $100K household | 2-8 pts/$ by category |
| TD Cash Back Visa Infinite | $139 (FYF) | $60K personal / $100K household | 3% select categories / 1% other |
| TD Aeroplan Visa Platinum | $89 | No minimum | 1.5 pts/$ on select categories |
| TD Low Rate Visa | Varies | No minimum | No rewards |
Welcome Bonuses Explained
TD credit cards currently feature multi-tiered welcome structures that reward both initial activation and sustained spending. Understanding how these bonuses unlock helps you plan purchases to maximize value during the promotional period.
Before applying for any card based on welcome bonus value, confirm the current offer directly with TD, as promotions change periodically throughout the year.
- Spending timelines matter: Most TD welcome bonuses require meeting minimum spend within 90 to 180 days, so time applications around periods of higher planned expenses
- First-year fee rebates have conditions: To receive annual fee waivers, you typically must activate the card and complete a purchase within the first 3 months
- Previous cardholders may not qualify: Welcome bonus eligibility often excludes those who have held the same card or a similar product tier in the past 12 months
- Additional cardholders affect rebates: Fee waivers for supplementary cards may require adding them during the promotional offer period
Who Should Consider TD Cards
TD credit cards serve multiple consumer segments effectively, particularly those already banking with TD or those drawn to Air Canada’s Aeroplan ecosystem. If you frequently fly Air Canada or Star Alliance partners, the Aeroplan cards provide benefits that extend beyond simple point accumulation—free checked bags, lounge access on premium tiers, and priority services can offset annual fees for regular travelers.
- Air Canada loyalists: Those who concentrate travel spending on Air Canada routes benefit from Aeroplan point acceleration and airline-specific perks
- Flexible travelers: The TD First Class Travel card suits consumers who want travel rewards without airline restrictions, using Expedia for TD as their booking platform
- Cash back simplicity seekers: Individuals preferring straightforward rebates over points calculations find the 3% cash back categories competitive within the Canadian market
- Existing TD customers: Those who already maintain TD chequing or savings accounts may find card management more convenient within a single banking relationship
Conversely, certain consumer profiles might find better value with alternative issuers. If you rarely travel or prefer non-Air Canada airlines, competing cards from other banks might offer more relevant benefits. Similarly, if you cannot comfortably meet the income requirements for Visa Infinite tiers, exploring no-fee or lower-tier options across multiple banks could provide better approval odds and value alignment.
- Non-Air Canada travelers: If you primarily fly WestJet or international carriers outside Star Alliance, the Aeroplan benefits deliver limited practical value
- Below income thresholds: Applicants not meeting the $60,000 personal income requirement for Visa Infinite cards face limited TD options beyond the Platinum tier
- Balance carriers: Those who regularly carry month-to-month balances pay interest charges that typically exceed any rewards value, making low-rate cards from any issuer more economical
How to Choose Your TD Card
Selecting the right TD credit card requires matching card features to your spending patterns and financial priorities. Start by categorizing your typical monthly expenses: How much do you spend on groceries, gas, dining, and travel? Cards with higher earning rates in your top spending categories deliver better returns than those with generically higher rates across all purchases.
Next, evaluate whether you can realistically meet welcome bonus spending requirements within the specified timeframes. A card offering 165,000 points for $7,500 in spending provides excellent value—but only if that spend level aligns with your normal budget plus any planned larger purchases. Forcing spending to chase bonuses can undermine the financial discipline that makes credit card rewards worthwhile.
Consider the redemption ecosystems as well. Aeroplan points lock you into Air Canada and Star Alliance partners, which works well if those airlines serve your preferred routes but limits flexibility if your travel patterns change. TD Rewards points through Expedia for TD offer broader airline and hotel options, while cash back eliminates redemption complexity entirely. Compare these options against your actual travel booking habits from the past year to determine which system you would genuinely use.
Finally, calculate the net annual fee after accounting for credits and rebates. A $139 fee becomes $39 when you factor in the TD First Class Travel card’s $100 annual travel credit—assuming you book through Expedia for TD and would have spent that amount on travel anyway. If you rarely travel, that credit provides no real value, and the full $139 fee applies. Before committing to any premium card, ensure the benefits you will actively use justify the cost.
Conclusion
TD’s credit card portfolio provides Canadian consumers with well-rounded options across travel rewards, cash back, and low-interest categories.
The Aeroplan cards deliver strong value for Air Canada travelers through meaningful airline perks and points acceleration, while the TD First Class Travel card offers flexibility for those who prefer unrestricted booking through Expedia for TD.
Cash back seekers find competitive 3% earning rates on common spending categories, and budget-conscious consumers benefit from genuinely low interest rates on the TD Low Rate Visa. Most premium cards currently waive first-year fees, reducing the barrier to testing whether TD’s rewards structures align with your spending habits.
Compare these offerings against your top expense categories, evaluate welcome bonuses against realistic spending timelines, and select based on which redemption ecosystem you will actually use rather than theoretical maximum values.
Before applying, compare our full list of the best credit cards in Canada to make sure this card is the right fit for your wallet.
FAQ
What income do you need for a TD Visa Infinite card?
TD Visa Infinite cards typically require a minimum personal income of $60,000 annually or a total household income of $100,000. The TD Aeroplan Visa Infinite Privilege card has higher thresholds of $150,000 personal or $200,000 household income. These represent guidelines rather than guarantees, as TD also evaluates credit history and existing debt obligations during the approval process.
Do TD credit cards have foreign transaction fees?
Yes, most TD credit cards charge foreign transaction fees on purchases made in currencies other than Canadian dollars. The typical fee is 2.5% of the transaction amount. These fees apply when shopping internationally or online with foreign merchants, and they are separate from any currency conversion rates applied by Visa.
How long do I have to earn the welcome bonus?
Welcome bonus timelines vary by card. The TD First Class Travel Visa Infinite provides 180 days (6 months) to spend $7,500 and unlock the full bonus. Other cards may have 90-day or 12-month windows depending on the bonus structure. Always confirm the specific timeline in the current offer terms before applying, as these conditions change periodically.
Can you have multiple TD credit cards at once?
Yes, TD allows customers to hold multiple credit cards simultaneously. You could maintain both an Aeroplan card and a cash back card to optimize earning across different spending categories. However, welcome bonus eligibility often excludes applicants who currently hold or recently closed the same card product, so timing applications strategically matters for maximizing introductory offers.
What is the best TD card for groceries?
For grocery spending specifically, the TD Cash Back Visa Infinite Card offers 3% cash back on grocery store purchases, providing straightforward value without points conversion. The TD First Class Travel Visa Infinite earns 6 TD Rewards points per dollar on groceries, which translates to approximately 3% value when redeemed through Expedia for TD. Choose based on whether you prefer cash rebates or travel redemptions.
Do Aeroplan points earned through TD expire?
Aeroplan points earned through TD Aeroplan credit cards do not expire as long as you remain a primary cardholder on an eligible TD Aeroplan card. If you cancel your card or it is closed, standard Aeroplan expiration policies apply—points remain active with account activity every 18 months. Maintaining the credit card provides the simplest way to keep points from expiring.
Are TD credit card insurance benefits comprehensive?
TD Visa Infinite cards include travel insurance coverage such as emergency medical, trip cancellation, trip interruption, and baggage delay insurance. Coverage limits and conditions vary by specific card product. Premium cards like the TD Aeroplan Visa Infinite Privilege typically offer higher coverage limits. Always review the certificate of insurance provided with your card for exact terms, exclusions, and claim procedures before relying on coverage during travel.
How quickly do welcome bonuses post to accounts?
Welcome bonus points or cash back typically post to your account within 8 weeks after meeting all qualifying conditions, including minimum spending requirements and timeline deadlines. Some bonuses arrive in stages—for example, an initial portion after your first purchase, then the remainder after reaching the spending threshold. Check your account statements or contact TD if bonuses do not appear within the expected timeframe.
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