Credit Cards

The Best TD Credit Cards in Canada 2022

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Which TD credit card is best? There are oodles of options and deciding on the best TD credit cards can be a tough decision. Our expert compares TD credit cards in Canada to help you make the right choice.

As one of Canada’s “Big 5” banks, TD Bank has a lengthy roster of credit cards available to Canadians. The question is: which TD credit card is the best?

In truth, there’s no simple answer. The best TD credit card is going to depend on your unique circumstances. Are you looking for a rock bottom interest rate? Or are rewards your primary target? Maybe saving on groceries and gas is a top priority. Whatever your goals, TD Bank has a credit card to help you achieve your goals. Keep reading to find out the best TD credit cards for you and your spending habits.

The Best TD Credit Cards in Canada

Best For Cash Back: TD Cash Back Visa Infinite* Card

TD Credit Cards logo

Apply online by September 5, 2022 and earn 10% Cash Back on all Purchases for the first 3 months† up to a total spend of $2,000. After your first $2,000 in Purchases, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% up to a total spend of $3,500 for the first 3 months. Plus, no Annual Fee† for the first year for the Primary and Additional Cardholders. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

    If you’re looking to earn cash back on your everyday purchases at a great return, check out the TD Cash Back Visa Infinite* Card. Cardholders earn 3% in Cash Back Dollars on eligible grocery and gas purchases†, and on regularly recurring bill payments† set up on your account. All other card purchases earn at 1% cash back†.

    The deal gets even sweeter for new cardholders. Earn 10% Cash Back on all Purchases for the first 3 months† up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions apply. Must apply online by September 5, 2022. After your first $2,000 in Purchases, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% up to a total spend of $3,500 for the first 3 months. Plus, first year no Annual Fee for the Primary and Additional Cardholders†.

    But what really places the TD Cash Back Visa Infinite* Card among Canada’s best cash back credit cards is its included perks and easy redemption. You can redeem your accumulated Cash Back Dollars to your balance at any time (minimum $25)—your cash never expires.

    Other included perks: cardholders are covered with travel medical insurance and are automatically enrolled in the Deluxe TD Auto Club – a membership worth $79.00 annually.

    The Details:

    • Annual Fee: $120 (Annual fee rebate for first year)†
    • Minimum Income Eligibility: $60,000 personal or $100,000 household annual income.
    • Credit Score Required: Good;Excellent
    • Welcome Offer: Earn 10% Cash Back on all Purchases for the first 3 months† up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions apply. Must apply online by September 5, 2022. After your first $2,000 in Purchases, Gas Purchases, Grocery Purchases and Pre-Authorized Payments will continue to earn 6% up to a total spend of $3,500 for the first 3 months. Plus, no Annual Fee† for the first year for the Primary and Additional Cardholders. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
    • Additional Benefits: Earn up to 3% cash back on eligible everyday purchases†; includes travel insurance and Emergency Road Services with the Deluxe TD Auto Club Membership
    • Interest on Purchases: 20.99% | Interest on Cash Advances: 22.99%

    This offer is not available for residents of Quebec. For Quebec residents, please click here.


    The offer for the TD Cash Back Visa Infinite* Card is not available for residents of Quebec. For Quebec residents, please click here.


    †Terms and conditions apply.


    Best For Travel: TD First Class Travel® Visa Infinite* Card

    TD Credit Cards logo

    Earn up to 100,000 TD Points† plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions Apply. Must apply by October 29, 2022.

      The TD First Class Travel® Visa Infinite* Card has a model that will reward you mightily if you use the ExpediaForTD.com site to make your travel purchases. Earn 3 TD Points for every $1 you spend on purchases made using your Card†. Earn 9 TD Points for every $1 you spend when you book travel online through Expedia® For TD. If you’re a bargain hunter looking for travel deals, you can maximize your spending power by booking hotels, flights, cruises, and tours on ExpediaForTD.com.

      Even if you’re not travelling right now, this is a good rewards card to carry in your wallet. You can redeem TD points for retail merchandise or gift cards (for stores like Costco, Canadian Tire, Rexall, etc.), or for a credit on your account. So even if you’re grounded at the moment, you can still cash in on rewards and save money. Or if you prefer, just put aside your TD Points for a future trip since they never expire.

      As a cardholder, you’ll automatically receive a comprehensive suite of travel insurance including travel medical (up to $1 million in coverage), travel accident, and trip cancellation coverage.† You can take advantage of discounts on car rentals and a Priority Pass membership†, which gives you access to 1,200 VIP airport lounges worldwide.

      It also has a Welcome Offer worth mentioning for New Cardholders:

      Apply by October 29, 2022 to earn up to 100,000 TD Points† (a travel value of up to $500 when you book travel purchases through ExpediaForTD.com†) and get a full Annual Fee Rebate† for the Primary and Additional Cardholders† (a value of up to $170†) for the first year. That’s a total value of $670†.


      • Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card†.
      • 80,000 TD Points when you spend $1,500 within 90 days of Account opening†.

      To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

      The Details:

      • Annual Fee: $120 (first-year annual fee rebate) †
      • Minimum Income Eligibility: $60,000 personal or $100,000 household annual income.
      • Credit Score Required: Good;Excellent
      • Welcome Offer: Earn up to 100,000 TD Points† plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions Apply. Must apply by October 29, 2022.
      • Other Perks: Travel insurance†, discount on Priority Pass lounge membership†, rental car discounts†
      • Purchase APR: 19.99% | Cash Advance APR: 22.99%

      This offer is not available for residents of Quebec. For Quebec residents, please click here.

      The offer for the TD® First Class Travel® Visa Infinite* Card is not available for residents of Quebec. For Quebec residents, please click here.


      †Terms and conditions apply.



      Best For Rewards: TD Rewards Visa* Card

      TD Credit Cards logo

      Apply by October 29, 2022 to get a 9.99% promotional interest rate on purchases for the first 6 months with no annual fee†. Plus, earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca with Shop with Points†) by keeping your Account open, active and in good standing for the first 90 days†.

        When it comes to collecting rewards, the TD Rewards Visa* Card gets a lot right. With this card, you earn 2 TD Rewards Points per dollar spent on groceries, restaurants, fast food purchases, and recurring bill payments†. That alone gives ample opportunity to rack up a hefty balance, but you also get 3 points per dollar spent at ExpediaForTD.com† and 1 point per dollar on everything else†.

        The welcome bonus also gets you off to a good start:

        Apply by October 29, 2022 to get a 9.99% promotional interest rate on purchases for the first 6 months with no annual fee†. Plus, earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca with Shop with Points†) by keeping your Account open, active and in good standing for the first 90 days†.

        Additionally, the TD Rewards program is super flexible, with redemptions available on everything from travel to merchandise to cash applied to your credit card balance. to the aforementioned purchases on Amazon.ca.

        The strength of this card is in its rewards-earning potential, and it doesn’t have many premium perks. However, cardholders do get discounts on car rentals and Priority Pass memberships†. That said, when you take into consideration that the card commands no annual fee, the value is clear.

        The Details:

        • Annual Fee: $0
        • Minimum Income Eligibility: N/A
        • Credit Score Required: Good;Excellent
        • Welcome Bonus: Earn a $50 value† in TD Rewards Points† to use at Amazon.ca with Shop with Points. Plus, get a 9.99% promotional interest rate on purchases for the first 6 months with no annual fee†. Conditions Apply. Must apply by October 29, 2022.
        • Additional Perks: Discount for Priority Pass membership†; discounts at Avis and Budget Rent A Car†
        • Purchase APR: 19.99% | Cash Advance APR: 22.99%

        This offer is not available for residents of Quebec. For Quebec residents, please click here.


        The offer for the TD Rewards Visa* is not available for residents of Quebec. For Quebec residents, please click here.


        †Terms and conditions apply.


        Best For Aeroplan Collectors: TD® Aeroplan® Visa Infinite* Card

        TD Credit Cards logo

        Online exclusive: Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022.

          If you’re an avid Aeroplan collector, consider adding the TD® Aeroplan® Visa Infinite* Card to your wallet. You can really rack up the points with this card, as cardholders earn points with every dollar spent. Earn 1.5 points† for every $1 on eligible gas, grocery and Air Canada® purchases. Earn 1 Aeroplan point† for every $1 spent on all other purchases made with your card. Even better, purchases made at participating Aeroplan partners and online retailers via the Aeroplan eStore earn double the rewards when you pay with your Aeroplan credit card and present your Aeroplan membership card.

          In addition to everyday earnings, this card also offers a good welcome bonus.

          Earn up to $1,400 in value† including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply online by September 5, 2022.

          • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†

          • Earn 20,000 Aeroplan points when you spend $1,500 within 90 days of Account opening†

          • Plus, earn an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†

          • Enroll for NEXUS and once every 48 months get an application fee rebate†, and share free first checked bags†

          • Plus, get an annual fee rebate for the first year†.

          To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 6, 2022.

          A common assumption is that you can only redeem Aeroplan points for flights. Not true! Aeroplan points can be redeemed for a wide range of travel rewards (flights, hotel stays, car rentals, vacation packages) as well as experiential rewards, like event tickets, merchandise, and gift cards. You can also donate your points to select charities or transfer them to another member.

          Other cardholder benefits include travel and rental car insurance, and exclusive perks like a free first checked bag for you and up to 8 travel companions on the same reservation for Air Canada flights, priority check-in and boarding with Air Canada flights, and more.

          The Details:

          • Annual Fee: $139 (first-year annual fee rebate)†
          • Income Eligibility: $60,000 personal or $100,000 household annual income
          • Credit Score Requirement: Good;Excellent
          • Welcome Offer: Online exclusive: Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022..
          • Additional Perks: Travel insurance, VIP benefits when travelling on Air Canada flights, Auto Rental Collision/Loss Damage Insurance, and no Aeroplan points expiry for cardholders
          • Purchase APR: 19.99% | Cash Advance APR: 22.99%

          The offer for the TD® Aeroplan® Visa Infinite* Card is not available for residents of Quebec. For Quebec residents, please click here.


          †Terms and conditions apply.

          Comparing TD Credit Cards Canada

          Credit CardWelcome OfferAnnual Fee
          TD Cash Back Visa Infinite* CardEarn 10% Cash Back on all Purchases for the first 3 months† up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions apply. Must apply online by September 5, 2022.$120 (Rebated for first year) †
          TD First Class Travel® Visa Infinite* CardEarn up to 100,000 TD Points† plus, first year no Annual Fee for the Primary and Additional Cardholders†. Conditions Apply. Must apply by October 29, 2022.$120 (Rebated for first year)†
          TD Rewards Visa* CardEarn a $50 value† in TD Rewards Points† to use at Amazon.ca with Shop with Points. Plus, get a 9.99% promotional interest rate on purchases for the first 6 months with no annual fee†. Conditions Apply. Must apply by October 29, 2022.$0
          TD® Aeroplan® Visa Infinite* CardOnline exclusive: Earn up to 50,000 Aeroplan points†. Plus, first year no Annual Fee†. Conditions Apply. Must apply online by September 5, 2022.$139 (Rebated for first year)†

          †Terms and conditions apply.

          Final Call: Which TD Credit Card Is Best?

          There are some solid options when it comes to TD credit cards in Canada, but ultimately, the best card depends on what you want to get out of it. To decide, consider your eligibility in terms of minimum annual income, your needs and spending habits, and how much you want to pay in annual fees. If you’re a higher income earner ($60k and up), you’re eligible to apply for TD’s premium credit cards. These cards charge an annual fee but come with premium perks ranging from travel rewards, points that can be cashed in for groceries and gas, cash back on your credit card statements, and insurance benefits. In essence, premium cards pay for themselves and are worth the modest annual fee.



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