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TD offers a wide variety of different credit card options that you can choose from based on what you’re looking for in a credit card. We are going to go over these cards as well as their key features.
Most Popular TD Credit Card Options
While there are plenty of different credit card options, there are some that stand out just a bit more than the others. Before you decide and apply for a TD credit card online, here’s how each one works.
TD Cash Back Visa Infinite Card
This popular credit card offers you cash back and has a really good welcome bonus as well. You can earn up to $600 in value in the first three months. Certain purchases up to $3,500 can earn you this.
The annual fee for this card is $139, and each additional card is $50. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%. However, there’s also an eligibility requirement for this card. You need to either have a minimum personal income of $60,000 or a household income of $100,000.
When it comes to the cashback portion of this card, you can get 3% back on eligible grocery purchases, gas and recurring bill payments. You can earn 1% back on all other purchases. Plus, your cashback rewards never expire. Some other benefits included with this card include:
- Complimentary Visa Infinite Concierge
- Visa Infinite Wine Country Program
- Visa Infinite Entertainment Access
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Dining Series
- Visa Infinite Troon Golf
- Free Deluxe TD Auto Club Membership
- Auto Rental Collision/Loss Damage Insurance
- Avis Rent-A-Car and Budget Rent-A-Car Discounts
- Travel Medical Insurance
- Delayed and Lost Baggage Insurance
- Emergency Travel Assistance Services
- Purchase Security and Extended Warranty Protection
- Mobile Device Insurance
TD Cash Back Visa Card
In order to qualify for this card, you need to be the age of majority in your province or territory and a Canadian resident. There is no annual fee and no fees for additional cardholders. The purchase interest rate is 19.99%, and the cash advance rate is 22.99%.
With the Cash Back Visa, you earn rewards when you spend. You can earn 1% cash back on eligible gas and grocery purchases and 0.5% back on all other purchases, You can start using this as a credit towards your balance once you hit $25.
As an added feature of this card, you can use TD payment plans. This allows you to turn any of your purchases over $100 into 6, 12 or 18 months of manageable payments. You can also choose to purchase the optional TD Auto Club Membership. However, you can still get a discount on car rentals with Avis and Budget. Purchase Security and Extended Warranty Protection are included.
TD Aeroplan Visa Infinite Card
This is another card that currently has a bonus offer. You can get up to $1,300 in value, which includes an annual fee rebate for the first year and 40,000 Aeroplan points. The annual fee is $139, and there’s an additional cardholder fee of $75. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%.
In order to qualify for this TD credit card, you need to be a Canadian resident and the age of majority where you live. The personal income requirement for this card is $60,000, and the household income requirement is $100,000. When it comes to points, you can earn 1.5 points for every $1 spent on gas, groceries, and funds spent through Air Canada. You can earn 1 point for every dollar spent on all purchases. That said, you can earn double the points when you pay with your card and use your Aeroplan number at Aeroplan partner locations.
A cool feature included with this card is that you can share your Aeroplan points with up to 8 family members. This program is called the Aeroplan family sharing. On top of that, those flying with Air Canada can get their first checked bag for free. You also have the ability to reach Aeroplan Elite Status faster and be upgraded to Avis Preferred Plus for car rentals.
Some of the other great benefits included with this card are:
- Complimentary Visa Infinite Concierge
- Visa Infinite Wine Country Program
- Visa Infinite Luxury Hotel Collection
- Visa Infinite Entertainment Access
- Visa Infinite Dining Series
- Visa Infinite Troon Golf
- Travel Medical Insurance
- Trip Cancellation Insurance
- Trip Interruption Insurance
- Flight/Trip Delay Insurance
- Delayed and Lost Baggage Insurance
- Common Carrier Travel Accident Insurance (comprehensive travel insurance)
- Hotel and Motel Burglary Insurance
- Auto Rental Collision/Loss Damage Insurance
- Nexus Application Rebate
- TD Payment Plans
- Avis and Budget Car Rental Discounts
- Mobile Device Insurance
- Purchase Security and Extended Warranty Insurance
TD Aeroplan Visa Platinum
Another credit card that currently has a special offer is the TD Aeroplan Visa Platinum card. You can earn up to $500 in value, which includes no annual fee for the first year. After that, your annual fee is $89. Your purchase interest rate on this card is 20.99%, your cash advance rate is 22.00%, and any additional card is $35. However, you can avoid the annual fee altogether as long as you have a TD all-inclusive banking plan.
Earning points with this card is simple. You can earn one point for every dollar spent on gas, groceries and Air Canada. You can earn one point for every $1.50 spent on all other purchases. You can also earn points twice at over 150 Aeroplan partners. You can even share your Aeroplan points between 8 different family members.
The benefits included with this card are:
- Delayed and Lost Baggage Insurance
- Flight and Trip Delay Insurance
- Common Carrier Travel Accident Insurance
- Auto Rental Collision and Loss Damage Insurance
- Emergency Travel Assistance Services
- Hotel and Motel Burglary Insurance
- TD Payment Plans
- Avis and Budget Car Rental Discounts
- Mobile Device Insurance
- Purchase Security and Extended Warranty Protection
TD Aeroplan Visa Infinite Privilege Card
While this card does have a much higher annual fee than others, it provides a lot of benefits. The annual fee is $599, each additional card is $199, the purchase interest rate is 20.99%, and the cash advance rate is $22.99%. In order to qualify for this card, you need a minimum personal income of $150,000 or a household income of $200,000. If you qualify, you could get up to $3,000 in bonuses.
As we mentioned, you can earn some great Aeroplan points with this card. You can earn 2 points for every dollar spent on eligible purchases through direct Air Canada and Air Canada Vacations. You can earn 1.5 points for every dollar spent on gas, groceries, travel and dining purchases. For all other purchases, you can earn one point per dollar, and you can get double the points from Aeroplan partners.
Some other benefits you can get with this card include Air Canada perks as well as:
- Access to Maple Leaf Lounges
- Annual Worldwide Companion Pass
- Priority Check-In
- Priority Airport Upgrades
- Priority Boarding
- Priority Baggage Handling
- Priority Airport Standby
- Complimentary Upgrade to Avis Presidents Club
- Complimentary Visa Infinite Concierge
- Global Airport Lounge Access
- Travel Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight and Trip Delay Insurance
- Auto Rental Collision and Loss Damage Insurance
- Nexus application rebate
- Delayed and Lost Baggage Insurance
- Common Carrier Travel Accident Insurance
- Hotel and Motel Burglary Insurance
- Avis and Budget Car Rental Discounts
- Mobile Device Insurance
- Purchase Security and Extended Warranty Coverage
TD First Class Travel Visa Infinite Card
For those who like to travel, the TD First Class Travel Visa Infinite card is another great choice for travel rewards. That said, you do need to have a personal income of $60,000 or a household income of $100,000 in order to qualify. The annual fee is $139; each additional card is $50; the purchase interest is 20.99%, and the cash advance rate is 22.99%. Right now, you can get a bonus offer of $1,000 in value, which includes no annual fee for the first year.
The points that you earn with this card are TD Rewards points. You can earn 8 points for every dollar you spend with Expedia, 6 points for every dollar spent at restaurants and grocery stores, 4 points for every dollar spent on recurring bill payments, and 2 points for every dollar spent on all other purchases. You can also get an annual birthday bonus of up to 10,000 points.
Other benefits that are included with this card are:
- $100 Annual TD Travel Credit
- Travel Medical Insurance
- Emergency Travel Assistance Services
- Delayed and Lost Baggage Insurance
- Flight and Trip Delay Insurance
- Trip Cancellation and Trip Interruption Insurance
- Auto Rental Collision and Loss Damage Insurance
- Hotel and Motel Burglary Insurance
- Common Carrier Travel Accident Insurance
- TD Payment Plans
- Avis and Budget Rental Car Discounts
- Visa Infinite Benefits
- Mobile Device Insurance
- Purchases Security and Extended Warranty Protection
TD Rewards Visa Card
Another card that allows you to earn TD reward points is the TD Rewards Visa. Those who sign up now could also get a bonus of $50 in rewards points. There’s no annual fee with this card and no fee for additional card holders. The purchase interest rate is 19.99%, and the cash advance rate is 22.99%.
In terms of rewards points, certain purchases will earn you more points than others. You can get 4 points for every dollar spent with Expedia, 3 points for every dollar spent on groceries and restaurants, 2 points for every dollar spent on recurring bill payments, and 1 point for every dollar spent on all other purchases.
Some additional benefits included with this card are:
- TD Payment Plans
- Avis and Budget Rental Discounts
- Mobile Device Insurance
- Purchase Security and Extended Warranty Protection
TD Low Rate Visa Card
The TD Low-Rate Visa is a great option for those looking for a low-interest credit card. It has a low annual fee of $25, a purchase interest rate of 12.90% and a cash advance rate of 12.90%. There’s also no fee for any additional cardholders.
Some benefits you can get with this card are:
- Avis and Budget Rental Discounts
- Optional TD Auto Club Membership
- Purchase Security and Extended Warranty Protection
- TD Payment Plans
- Emergency Cash Advances
TD Platinum Travel Visa Card
For those who like to travel, TD bank also offers the TD Platinum Travel Visa. Those who apply now can get up to $370 in value, which includes no annual fee for the first year. After that, the annual fee is $89 and an additional fee of $35 for additional cardholders. The purchase interest rate is 20.99%, and the cash advance rate is 22.99%.
With this card, you earn TD rewards points. You can get 6 points for every dollar spent with Expedia, 4.5 points for every dollar spent on groceries and restaurants, 3 points for every dollar spent on recurring bill payments, and 1.5 points for every dollar spent on all other purchases. The other benefits included with this card are:
- Flight and Trip Delay Insurance
- Delayed and Lost Baggage Insurance
- Common Carrier Travel Accident Insurance
- Auto Rental Collison and Loss Damage Insurance
- Hotel and Motel Burglary Insurance
- TD Payment Plans
- Avis and Budget Rental Car Discounts
- Mobile Device Insurance
- Purchase Security and Extended Warranty Protection
TD Business Credit Cards
It’s important to note that TD doesn’t just offer personal credit cards; they also offer business credit cards. Here are the business card options that they offer.
TD Business Travel Visa Card
If you’re looking to earn TD reward points with your business card, then the TD Business Travel Visa could be a good option. It has an annual fee of $149; each additional card is $49, the purchase interest rate is 19.99%, and the cash advance rate is 22.99%. You could also earn up to $1,122 in rewards points when signing up now. You can also earn everyday points based on your everyday purchases.
You can get 9 points for every dollar spent with Expedia, 6 points for every dollar spent on recurring bills and restaurants, 6 points for every dollar spent on foreign currency purchases, and 2 points for every dollar spent on all other purchases. Other benefits you could get include:
- Up to 25% off business purchases made using the Visa SavingsEdge Program
- Travel Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight and Trip Delay Insurance
- Common Carrier Travel Accident Insurance
- Emergency Travel Assistance Services
- Delayed and Lost Baggage Insurance
- Auto Rental Collision and Loss Damage Insurance
- Avis and Budget Car Rental Discounts
- Optional TD Auto Club Membership
- Purchase Security and Extended Warranty Protection
- Emergency Cash Advances
TD Aeroplan Visa Business Card
If you prefer to collect Aeroplan points instead of the TD reward points, then a good credit card option might be the TD Aeroplan Visa Business. When you sign up, you can earn a bonus of 60,000 Aeroplan points, which goes along with the everyday points that you earn. As for the card itself, there’s an annual fee of $149, a fee of $49 for each additional card, a purchase interest rate of 14.99% and a cash advance rate of 22.99%.
When it comes to everyday points, you can earn 2 points for every $1 spent on eligible Air Canada purchases. For every dollar spent on travel, dining, and select business categories, you can earn 1.5 points and 1 point for every dollar spent on all other purchases. You can get double the points with Aeroplan partners.
Other benefits included with this card are:
- First free checked bags for you and up to 8 on the same reservation
- Maple Leaf Lounge guest pass
- Avis Prefered Plus Membership
- Visa SavingsEdge Program
- Travel Medical Insurance
- Trip Cancellation and Trip Interruption Insurance
- Flight and Trip Delay Insurance
- Auto Rental Collision and Loss Damage Insurance
- Hotel and Motel Burglary Insurance
- Common Carrier Travel Accident Insurance
- Delayed and Lost Baggage Insurance
- Nexus application rebates
- Avis and Budget Rental Discounts
- Mobile Device Insurance
- Purchase Security and Extended Warranty Protection
TD Business Cash Back Visa Card
For business owners looking for a cash-back option, there’s the TD Business Cash Back Visa. There’s no annual fee and no fee for additional cards. The purchase interest rate is 19.99%, and the cash advance rate is 22.99%. As for cashback, you can earn 2% back on gas purchases, office supply purchases, and recurring bill payments. You can earn 0.5% cashback on all other purchases. Other benefits include:
- The Visa SavingsEdge Program
- Avis and Budget Car Rental Discounts
- Purchase Security and Extended Warranty Protection
- Emergency Cash Advances
TD Business Select Rate Visa Card
With this particular low-rate business visa, you have the choice between two different rates. You can have no annual fee and an interest rate of 11.99% or an annual fee of $49 and an interest rate of 8.99%. The other benefits included with both interest rates are:
- Avis and Budget Car Rental Discounts
- The Visa SavingsEdge Program
- Auto Rental Collision and Loss Damage Insurance
- Purchase Security and Extended Warranty Protection
- Emergency Cash Advances
Best Student Credit Card
While TD has a wide range of credit cards that are great for students, the best one seems to be the TD Cash Back Visa Card. If you apply for it, as well as the student banking package, you could earn a $495 value. By opening the TD Student Chequing Account, you can get $125 and then another $60 when you apply for this Visa card. The last $250 would be earned by opening a TD direct investing account. This offer ends on April 30, 2025.
Best Card for Travel
Travel credit cards are a great option for those who travel a lot and wish to redeem their points on travel expenses like flights and hotels. While all of TD’s travel cards can earn some great rewards, the best one seems to be the TD Platinum Travel Visa card. This is because you earn TD reward points and can book with any airline you choose. It’s also a low annual fee card with no annual income requirements, so it’s simpler to get.
Best Card for Seniors
While there’s no specific credit card for seniors, there are plenty of different credit card options that have no annual income requirements. There are no rate cards, low annual fee cards, or rewards credit cards. Each of these has its own positives and negatives, so the one that works best depends on your individual circumstances. You have lots of great choices that will work, though.
Highest TD Credit Card Limit
While TD offers a wider range of credit card limits, most credit cards will give you a starting credit limit of $3,000 to $5,000. However, some of their credit cards have been known to start out with a credit limit as high as $18,000. These are not the highest limits that they will give out though, they can be much higher based on your individual credit factors.
Redeeming Your Rewards From TD Credit Cards
How your redeem the points you earn with your credit card is determined by which points you earn. For those that earn TD Reward points, you can easily redeem them online. You can choose to redeem them at Amazon.ca, for Starbucks stars, or even a wide variety of other gift cards. Others choose to use them at Expedia,ca or other travel sites. You can even use them to pay down your credit card balance.
If you earn Aeroplan points, they don’t have to be redeemed with TD. They can be redeemed for any flight or seat with Air Canada, as well as to book hotels and other travel services. They can also be used as regular rewards for merchandise and gift card purchases. This is similar to when you redeem cashback rewards which can also be redeemed for merchandise and gift card purchases, as well as to pay off your credit card balance.
Final Thoughts
When it comes to credit cards, TD offers a wide variety of options that can fit a wide variety of lifestyles. They have multiple rewards programs, premium credit cards, low foreign transaction fees, and the ability to get more than one TD credit card. You can choose to earn cash-back, have secondary credit card holders as well as primary cardholders, and increase your credit score along the way. No matter which credit card you choose, there’s a right TD credit card out there that will match your spending habits and earn you the rewards you want.
