TD, also known as Toronto Dominion Bank, is one of these banks.
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 and their key features.
Most Popular TD Credit Card Options
While there are plenty of credit card options, some stand out 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 cash back and a really good welcome bonus. 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
On top of earning cash back, with your TD Bank credit card, you can link your eligible card to earn more Starbucks stars at participating Starbucks stores.
TD Cash Back Visa Card
To qualify for this card, you must 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 for every purchase. 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, you can use TD payment plans with this card. This allows you to turn any purchase of $100 or more 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 with a current bonus offer. You can get up to $1,350 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%.
To qualify for this TD credit card, you need to be a Canadian resident and of the age of majority in your province or territory. 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, electric vehicle charging, 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 Aeroplan Family Sharing. On top of that, those flying with Air Canada can get their first checked bag for free. You can also 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
- Free first checked bags for up to 9 people travelling on the same reservation with Air Canada
TD Aeroplan Visa Platinum
Another credit card with a current special offer is the TD Aeroplan Visa Platinum card. You can earn up to $500 in value, including a no-annual-fee 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 if 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 has a much higher annual fee than others, it offers many 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%. 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
- Visa Airport Companion Program
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 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 $1,000 bonus offer that 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 receive a $50 bonus in rewards points. There’s no annual fee with this car, and there’s no fee for additional cardholders. 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, including a no-annual-fee first-year offer. After that, the annual fee is $89, plus an additional $35 for each additional cardholder. 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 Collision 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 TD reward points, a good credit card option is 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 $49 fee 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 Preferred 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 and office supply purchases, as well as 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 both, you could earn $495 in 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 frequent travellers who want to redeem their points for 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 easier to get.
Best Card for Seniors
While there’s no specific credit card for seniors, there are plenty of options with no annual fee requirement. 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 have credit limits as high as $18,000. These are not the highest limits they will give out, though; they can be much higher based on your individual credit factors.
Redeeming Your Rewards From TD Credit Cards
How you redeem the points you earn with your credit card depends on which points you earn. For those who earn TD Reward points, you can easily redeem them online. You can choose to redeem them for Starbucks stars, Amazon.ca gift cards, or a wide variety of other gift cards. Others choose to use them on 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 redeeming cashback rewards, which can also be used for merchandise and gift card purchases, as well as to pay off your credit card balance.
What’s New With TD Credit Cards in 2026
In 2026, TD introduced changes and added new features to its credit cards. One of these key features is personalized offers with the TD app and TD Easy Web. This feature lets you activate cashback and discount offers from top brands tied to your everyday purchases.
When it comes to security, you can now use virtual card numbers through Google, and it is the first Canadian bank to do so. This hides your actual card number during online checkouts to reduce the risk of fraud.
As of July 2, any unpaid interest amounts will be added to your account’s balance at the end of the statement period. This means that you’re now going to be charged interest on unpaid interest.
Have TD Welcome Bonus Offers Improved This Year?
In 2026, TD made some major improvements to their welcome bonus offers. They now offer high first-year fee rebates, a tiered spending structure, and a higher maximum value for travel credit cards. Let’s take a look at some of these offers:
| Credit Cards | Welcome Offers |
| TD First Class Travel Visa Infinite Card | Get up to $1,300 in total value. This includes up to 146,000 TD Rewards Points, plus an annual $100 travel credit for Expedia for TD. |
| TD Aeroplan Visa Infinite Card | Get up to $1,350 in value and get up to 40,000 Aeroplan points along with your first year’s annual fee rebate. |
| TD CashBack Visa Infinite Card | Get up to $600 in total value with 10% cash back in the first 3 months and your first year’s annual fee rebate. |
Best TD Credit Cards for Everyday Canadians in 2026
TD offers a variety of credit cards, some of which are the best choices for everyday Canadians. Some of these cards include:
- TD CashBack Visa Infinite Card
- TD First Class Travel Visa Infinite Card
- TD Aeroplan Visa Infinite Card
Recent TD Perks and Benefit Updates
While TD already has some perks, they also offer some new ones. You can redeem cash back for tailored rewards, and you can get extra points for bonus-eligible purchases and for combining credit cards at account opening. Depending on the card, you can use your eligible card to earn points on media purchases and digital gaming.
How TD Cards Compare to RBC and CIBC
The main differences between TD cards and RBC and CIBC are the rewards. With TD, you earn TD rewards points or Aeroplan points. CIBC, on the other hand, features the Aventura program, and RBC features the Avion rewards program. Depending on the card you get with either, you can find no-fee credit cards and a one-time anniversary bonus.
Are TD Travel Cards Still Worth It Post-Pandemic
Due to the welcome bonuses, accelerated earn rates and travel insurance packages, it’s still worth it to get a travel credit card. The exact worth of the card and whether it makes sense for you and your spending habits. If you like to travel and make such purchases a lot, it could be the best option for you.
Best TD Card for Newcomers in Canada
If you’re new to Canada, some cards offer the best options. There are no fees, there’s no personal minimum income requirement, and they’re easily accessible through the TD New to Canada Banking Package. These include:
- The TD Cash Back Visa Card
- TD Rewards Visa Card
TD Credit Card Insurance Coverage Changes
In 2026, there haven’t been really any changes to the insurnace covered by TD credit cards. All of their premium cards still offer these options, and the non-premium cards offer optional coverages you can choose from.
How to Maximize TD Rewards in 2026
For those who like travel credit cards, you can really maximize your rewards with the TD First Class Travel Visa Infinite card. You get the highest value for your rewards with the Expedia for TD redemption. However, even if you don’t have that card, the best thing you can do is maximize your daily spend with the credit card that gives you the highest points per dollar.
Before you redeem, it’s best to pay attention to the values and book with the best ones. You should also take advantage of anniversary perks. For instance, the TD First Class Travel Visa Infinite card offers an annual $100 travel credit.
