Below are the best credit card offers from TD Canada Trust:
- The Best TD Aeroplan Credit Cards
- The Best TD Travel Credit Cards
- The Best TD Cash Back Credit Cards
- Other TD credit cards
- The best low-interest TD credit card
Here is a table summarizing the different offers. For more details, read on or click on the name of a card.
TD Aeroplan Credit Cards
Here are the best TD Aeroplan credit cards:
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:
- Get a Welcome Bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
- Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of account opening†
- Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
- Enroll for NEXUS and once every 48 months get a partial application fee rebate†
- Plus, share free first checked bags with up to 8 travel companions†
- Get an annual fee rebate for the first year†. To receive the discount, you must make a purchase within the first three months and add your authorized cardholders while the offer is active.
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 dollar of eligible purchases for:
- Grocery stores
- Gas stations
- Air Canada purchases, including Air Canada Vacations
TD® Aeroplan® Visa Infinite Privilege* Credit Card
With TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 85,000 Aeroplan points†:
- 20,000 Aeroplan points when you make your first purchase with your new card†
- 35,000 additional Aeroplan points when you spend $12,000 within 180 days of account opening†
- Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
- $100 NEXUS fee rebate†
- Access to Air Canada Maple Leaf lounges†
- 6 annual visits to airport lounge members of the Visa Airport Companion† Program hosted by Dragonpass International Ltd.
- Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight†
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† for every $1 spent on:
- Grocery stores
- Gas stations
- Travel
- Restaurants
And 2 points† per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points† per dollar.
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Air Canada Benefits
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NEXUS Credit
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Access to VIP Lounges
TD Travel Rewards Credit Cards
Here are the best TD credit cards from TD Rewards:
TD® Aeroplan® Visa Platinum* Card
With the TD® Aeroplan® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and no Annual Fee for the first year:
- 10,000 Aeroplan points for the first purchase made with your card†
- 10,000 additional Aeroplan points when you spend $1,000 within 90 days of Account opening†
- An annual fee rebate for the primary cardholder (instead of $89)†
With the TD® Aeroplan® Visa Platinum* Card, you earn 1 point per dollar of eligible purchases for:
- Grocery stores
- Gas stations
- Air Canada purchases, including Air Canada Vacations
This TD Aeroplan credit card requires no minimum income.
TD First Class Travel® Visa Infinite* Card
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 135,000 TD Rewards† points and a rebate on annual fees for the first year:
- 20,000 TD Rewards points for the first purchase made with your Card†
- 115,000 TD Rewards points if you spend $5,000 within 180 days of opening†
- A birthday bonus equal to 10% of the TD Rewards points you’ve earned in the past year, up to a maximum of 10,000 TD Rewards points†.
Get an Annual Fee Rebate for the first year†
With the TD First Class Travel® Visa Infinite* Card, you earn:
- 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD
- 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants
- 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account
- 2 TD Rewards Points† For every $1 you spend on other Purchases
This TD credit card is one of the best TD travel rewards cards.
Best of March 2025
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2X points on all purchases
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Premium Insurance
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Visa Infinite Benefits
TD Platinum Travel Visa* Card
With this new welcome offer for TD Platinum Travel Visa* Card, you can earn up to 50,000 TD points and get an annual fee Rebate for the first year†:
- Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
- 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening†.
Get an Annual Fee Rebate for the first year†.
There is no minimum income requirement for this TD credit card.
TD Cash Back Credit Cards
Here are the best TD credit cards 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:
- Grocery stores
- Gas stations
- Recurring invoices
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.
No-Fee TD Credit Cards
Here are the best TD credit cards with no annual fee:
TD Rewards Visa* Card
For a limited time, you can earn 15,152 TD TD Rewards with the TD Rewards Visa* Card. It’s worth about $50 on Amazon.ca.
With the TD Rewards Visa* Card, you earn:
- 4 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†
- 1 TD Rewards Point per dollar on other purcases†
What’s more, the TD Rewards Visa* Card has no annual fee and offers purchase insurance and extended warranty protection.
TD Cash Back Visa* Card
With the TD Cash Back Visa* Card, you get :
- 1% cash back for every dollar spent on groceries, gas and recurring payments
- 0.5% cash back per dollar on all other purchases
The TD Cash Back Visa* Card has no annual fee and comes with Purchase Security and Extended Warranty Protection. There is no minimum income requirement for this TD credit card.
TD Low Interest Rate Credit Card
TD Low Rate Visa* Credit Card
With the TD Low Rate Visa* Card, you can save on interest with a low annual interest rate of 12.90%† (13.90%† in Quebec) on Purchases and Cash Advance transactions. It’s one of the best low-interest credit cards in Canada.
As a TD Low Rate Visa* Credit Cardholder, you have the option of purchasing Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†. You can also earn 50% more Stars at Starbucks® locations.
Finally, you can use your TD Low Rate Visa* Credit Card with Apple Pay† or Samsung Pay†.
Awards in 2025
Best Travel Rewards Credit Card
The TD First Class Travel® Visa Infinite* Card is the Best Travel Rewards Credit Card in 2025 in Canada for these reasons:
- 8 points per dollar for travel purchases via Expedia for TD
- $100 TD Annual Travel Credit
- Travel and purchase insurance
- Accepted at almost every retailer worldwide
Best Airline Credit Card
The TD® Aeroplan® Visa Infinite* Card is the Best Airline Credit Card in 2025 in Canada for these reasons:
- Air Canada Benefits for Cardholders
- Rewards earned with everyday purchases
- Insurance when using Aeroplan points
- Accepted at almost every retailer
Previous awards
Best Travel Rewards Credit Card
The TD First Class Travel® Visa Infinite* Card is the best credit card for travel rewards in 2024 in Canada for these reasons:
- 8 points per dollar for travel purchases via Expedia for TD
- $100 TD Annual Travel Credit
- Travel and purchase insurance
- Accepted at almost every retailer worldwide
Best Aeroplan credit card
The TD® Aeroplan® Visa Infinite* Card is the best Aeroplan credit card in 2024 in Canada for these reasons:
- Air Canada Benefits for Cardholders
- Rewards earned with everyday purchases
- Insurance when using Aeroplan points
- Accepted at almost every retailer
Best of March 2025
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Great Welcome Offer
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Air Canada Benefits
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NEXUS Credit
Best Aeroplan credit card
The TD® Aeroplan® Visa Infinite* Card is the best credit card Aeroplan in 2023 in Canada according to Milesopedia for these reasons:
- Air Canada Benefits for Cardholders
- Rewards earned with everyday purchases
- Insurance when using Aeroplan points
- Accepted at almost every retailer
Best of March 2025
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Great Welcome Offer
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Air Canada Benefits
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NEXUS Credit
Frequently Asked Questions About TD Credit Cards
Here are some frequently asked questions in the milesopedia community about TD Visa credit cards.
What's the best TD Visa credit card in Canada?
TD Bank offers several TD Visa credit cards such as:
- TD First Class Travel® Visa Infinite* Card
- TD Platinum Travel Visa* Card
- TD Cash Back Visa Infinite* Card
The best-known TD Visa credit card is the TD® Aeroplan® Visa Infinite* Card. Every TD Visa credit cards offer sign-up bonuses. And most have a first-year annual fee rebate.
Which credit bureau does TD Bank verify?
TD Bank surveys Equifax for all new TD Visa credit card applications.
Which is the best TD Visa credit card Aeroplan?
The best TD Visa credit card Aeroplan is the TD® Aeroplan® Visa Infinite* Card. Especially since it generally offers a rebate on annual fees in the first year.
If you’re looking for a TD credit card Aeroplan offering premium benefits with Air Canada, you could choose the TD® Aeroplan® Visa Infinite Privilege* Credit Card. You’ll enjoy benefits such as priority check-in and priority boarding on your Air Canada flights. You’ll also have access to Air Canada’s Maple Leaf lounges.
Finally, you should know that the TD® Aeroplan® Visa Platinum* Card requires no minimum income.
You can use your points on Aeroplan, Air Canada’s frequent flyer program, to book flights with Air Canada or other Star Alliance partners.
What is the best TD Visa credit card with travel rewards?
The best TD Visa credit card with travel rewards is the TD First Class Travel® Visa Infinite* Card.
Alternatively, the TD Platinum Travel Visa* Card is also a great TD credit card with travel rewards and no minimum income requirement. You can redeem points with Expedia for TD or for any purchase charged to your TD credit card.
What is the best TD cash back credit card?
The best TD cash back credit card is the TD Cash Back Visa Infinite* Card. And if you want a no-annual-fee TD credit card with cash back, you could get the TD Cash Back Visa* Card.
What rewards programs are available for TD credit cards?
TD offers Visa credit cards linked to several rewards programs:
- Aeroplan
- TD Rewards – Travel Rewards
- Cash Back
Most TD credit cards offer a first-year annual fee rebate.
Can I have a TD credit card without being a customer?
Of course! You can apply for any of the TD credit card offers on this page without being a TD Bank chequing customer! In addition, most of these credit card offers have a first-year annual fee rebate.
And with the TD app, you can easily check your TD credit card balance at any time. It can also be convenient to quickly pay off your credit card if you have made cash advances from your TD Credit Card.
How can I increase my TD credit limit?
If you wish to increase the limit on your TD Credit Card, please contact TD Customer Service directly. Often, a review of your financial record and a good payment history can work in your favour.
How do I pay my TD credit card?
To pay with your TD credit card, you can use the online payment option via the TD website or mobile app, set up automatic payments, or make a payment directly at a branch. Always be sure to check details and due dates to avoid additional charges.
How can I check my credit rating with TD?
Some TD credit card customers can access their credit rating free of charge via TD’s online services. Log in to your account to check if this option is available to you.
What is Expedia for TD?
Expedia for TD is a partnership between TD and Expedia, offering holders of certain TD credit cards the opportunity to redeem their reward points for travel booked on Expedia. This gives you the flexibility to plan trips while enjoying your rewards.
What are the advantages of TD credit cards?
TD credit cards offer a wide range of benefits, depending on the type of card you have. Some benefits include reward points for purchases, cash back, travel benefits such as insurance, and competitive interest rates. Each card has its own particularities, so it’s important to choose the one that best suits your needs.
Why choose a TD credit card?
Choosing a TD Credit Card means choosing a recognized financial institution with a solid reputation. TD offers a wide range of cards adapted to the different needs of consumers, whether for travel, business or everyday expenses. What’s more, TD offers excellent customer service and efficient online tools to manage your account with ease.
What are the interest rates on TD credit cards?
Most TD Visa credit cards have the following interest rates at Quebec:
- Interest rate for purchases: 20.99%
- Interest rate for cash advances: 20.99%
- Interest rate for balance transfers: 20.99%
Apart from Quebec, interest rates are as follows:
- Interest rate for purchases: 20.99%
- Interest rate for cash advances: 22.99%
- Interest rate for balance transfers: 22.99%
The TD Rewards Visa* Card has an interest rate for purchases of 19.99%.
We recommend that you pay your TD credit card balance in full with each monthly statement, and avoid making cash advances on your TD credit card.
If you take cash advances from your TD Credit Card, you may be subject to high fees.