Best TD credit cards in Canada

If you want your TD credit card to earn cash back for you at a sky-high rate, the TD Cash Back Visa Infinite* Card is your best choice. You’ll get a regular cashback rate of 3% on regularly recurring bill payments and eligible gas and grocery transactions^†, and 1% on all other qualifying transactions^†.

The TD Cash Back Visa Infinite* Card is also a great cash back credit card option because of its lucrative introductory promotion. 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.

• Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made.^†

• Get an annual fee rebate for the first year^†.

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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

No matter when you become a TD Cash Back Visa Infinite* Card member, you’ll always get access to free roadside assistance, through membership in the Deluxe TD Auto Club†, and travel perks that include travel medical insurance^†, mobile device insurance^†, auto rental loss or collision coverage^† and baggage insurance^†.

Learn more by reading our complete TD Cash Back Visa Infinite* Card review.

^†Terms and conditions apply.

This offer is not available for residents of Quebec.

The TD^® Aeroplan^® Visa Infinite* Card card also holds exceptional value outside the welcome offer, earning 1.5 Aeroplan points†per dollar spent on eligible grocery, gas, and direct through Air Canada^® purchases (including Air Canada Vacations^®) made with your card. All other eligible purchases earn 1 point^† per $1 spent.

Earn points twice when you pay with your card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ 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 Infinite* Cardholder in good standing.

Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks^® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks^® Rewards account. Conditions apply.

Click here to apply or learn more by reading our complete TD® Aeroplan® Visa Infinite* Card review

^†Terms and conditions apply.

This offer is not available for residents of Quebec.

The TD Rewards Visa* Card is a no-fee travel credit card that’s easy to qualify for. There’s no minimum income requirement and no annual fee.

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

Your card also allows you to enjoy:

• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.

• Mobile device insurance of up to $1000 if you lose or damage your phone.

• Booking your travel through Expedia® For TD† to maximize the TD Rewards Points you can earn on your travel purchases

• 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.

• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Earn four TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD^†, 3 TD Rewards Points for every $1 you spend on groceries and restaurants^†, 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your account, and 1 TD Rewards Point for every $1 you spend on other purchases made using your card^†. There’s an annual spending cap that applies to the accelerated earn rates that revert you to the base earn rate until the next annual cycle begins^†.

Other travel-related perks for TD Rewards Visa* Card members include a 5%-10% discount on Budget and Avis car rental worldwide†. Extended warranty and purchase protection^†, mobile device insurance^† and TD Fraud Alerts^† are all part of the package too.

Click here to apply or learn more by reading our complete TD Rewards Visa* Card review.

^†Terms and conditions apply.

This offer is not available for residents of Quebec.

Frequent travellers should check out the TD First Class Travel® Visa Infinite* Card. Cardholders get access to the TD Rewards booking system, which is backed by Expedia, one of the largest travel providers in the world. That means you can use your points on flights, hotels, car rentals, vacation packages, attraction tickets and more directly from Expedia for TD.

Using your points on travel booked outside of Expedia for TD is also possible, but you’ll get a lower value for your points.

The travel benefits with TD’s flagship travel card are impressive. Every year, you get a $100 travel credit on your first purchase of $500 or more with Expedia for TD. You also get comprehensive travel insurance that covers medical, trip delay, trip cancellation, lost baggage, auto rental collision/loss damage and more.

Read more:TD First Class Travel® Visa Infinite* card review

This offer is not available for residents of Quebec.

The TD® Aeroplan® Visa Infinite Privilege* is one of the best travel credit cards out there, and it’s also your ticket to a lavish journey with an incredible earn rate on Aeroplan® points. While the “privilege” cards bring a host of luxury travel perks, its annual fee is $599, making it on the high end of travel credit cards. If you’re a jet-setter who fancies the finer aspects of travel, this fee is but a small fare to a realm of upscale travel benefits (think Airport lounge access, priority check-ins) and substantial insurance coverage. The TD® Aeroplan® Visa Infinite Privilege* is also crafted in metal.

Earn two points for every $1 spent on direct Air Canada purchases, including Air Canada Vacations®.

Accrue 1.5 points for every $1 spent on eligible gas, travel, groceries and dining purchases.

Earn 1.25 points per $1 spent on all other purchases.

Double the points when paying with your card and providing your Aeroplan® number at over 150 partner brands and over 200 online retailers via the Aeroplan® eStore.

^†Terms and conditions apply.

TD only issues Visa cards, including: Cash back, travel, Aeroplan, low interest, student, U.S. dollar, no annual fee and business.

You can use one of the following methods to apply for a TD credit card: Online, in person at a TD branch, over the phone.

The value of one TD Reward point depends on what you’re redeeming for. Expedia for TD: .50 cents per points. Other travel charged to your TD Rewards card: .40 - .50 cents per point. Gift cards: .25 cents per point. Statement credit: .25 cents per point. Merchandise: .15 to .30 cents per point.

Redeeming your points on Expedia for TD gives you the best value. While using your points on merchandise or gift cards may be tempting, you’d be reducing the value of your points by up to 50%.

To determine the best card for you, consider if you want to benefit from travel rewards or if you’d prefer to keep more money in your pocket, in which case a low or no fee card or a cash back card is the best option for you and your specific needs.

The TD credit cards contact is 1-800-983-8472. If your TD Credit Card is lost or stolen, please contact TD Credit Cards Customer Service at that number and a representative will assist you.