The Best TD Credit Cards – May 2025

TD Travel Rewards Credit Cards

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, Dining, and Public Transit^†
• 4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
• 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card^†

This TD credit card is one of the best TD travel rewards cards. As of April 30, it now offers access to VIP airport lounges, with 4 free visits per year.

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 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^†
• Apply for the NEXUS program and, every 48 months, receive a rebate (up to C$100) on the application fee^†.
• Plus, share free first checked bags with up to 8 travel companions^†
• 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 while the offer is in effect.

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, including gasoline and EV charging
• 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^†
• Apply for the NEXUS program membership and once every 48 months get an application fee rebate (up to $100 CAD)^†
• 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 and restaurants
• Gas station, including fuel and EV charging
• Travel and public transit

And 2 points^† per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points^† per dollar.

TD^® Aeroplan^® Visa Platinum* Credit Card

With TD® Aeroplan® Visa Platinum* Credit Card, you can earn up to 20,000 points Aeroplan and a rebate on annual fees 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^†
• First-year annual fee waived for primary cardholder (instead of $89)^†. 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 while the offer is in effect.

With TD® Aeroplan® Visa Platinum* Credit Card, you earn 1 point per dollar of eligible purchases for :

• Grocery stores
• Eligible gas purchases or electric vehicle charging
• Air Canada purchases, including Air Canada Vacations

This TD Aeroplan credit card requires no minimum income.

TD Cash Back Credit Cards

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, EV charging and public transit
• Recurring bills, streaming services, digital media and games

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

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 per dollar for grocery, restaurant and public transit purchases^†
• 2 TD Rewards points per dollar on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
• 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 TD Cash Back Visa* Card, you get :

• 1% cash back per dollar spent on groceries, gas, EV recharging, public transit, recurring payments, streaming services, digital media and games
• 0.5% cash back per dollar on all other purchases

What’s more, TD Cash Back Visa* Card has no annual fee and offers purchase insurance and extended warranty protection. This TD credit card requires no minimum income.

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 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