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Earn up to $3,000 in value including up to 85,000 Aeroplan points and additional travel benefits. Conditions apply. Offer effective as of January 7, 2025.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn an additional 35,000 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

Additional Travel Benefits :

  • Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD).
  • Share first free checked bags with up to 8 travel companions and get unlimited access to Maple Leaf Lounges including complimentary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.
  • Earn 2 points for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1.5 points for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
  • Earn 1.25 points for every $1 spent on all other purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Earn Aeroplan Points on everyday purchases.
  • Redeem your points for travel and more.
  • Travel with confidence with travel medical insurance.
  • Access priority airport services such as Priority Check-in, Priority Boarding, Priority Baggage Handling, Priority Airport Hold and Priority Airport Upgrades.
  • Get an annual round-trip companion pass starting at $99 (plus taxes, fees and surcharges).
  • Complimentary Visa Infinite Concierge: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Global Airport Lounge Access: Receive a complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Visa Infinite Luxury Hotel Collection: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Enjoy your eUpgrades longer : Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use newly issued eUpgrade credits, for a total of 24 months from issuance.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $599
  • Additional card $199
Annual Income Required
  • Individual $150,000
  • Household $200,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Air Canada2Aeroplan Points
  • Groceries1.5Aeroplan Points
  • Gas1.5Aeroplan Points
Value
  • Year 1 $2,161
  • Year 2+ $461
Best For
Transfer Partners
  • Aeroplan

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$5,000,000
31 day(s)
Travel medical insurance up to 64 years old
$5,000,000
31 day(s)
Travel medical insurance 65+
$5,000,000
4 day(s)
Trip Cancellation Insurance
$2,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$1,000
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$2,500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • Great Welcome Offer
  • Air Canada Benefits
  • NEXUS Credit
Learn More
Best Aeroplan Credit Card In 2024

Earn up to $1,300 in value including up to 40,000 Aeroplan points and no Annual Fee for the first year. Conditions apply. Offer effective as of January 7, 2025.

  • Earn 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 this offer is in effect.

  • Earn Aeroplan Points on everyday purchases.
  • Redeem your points for travel and more.
  • Travel with confidence with travel medical insurance.
  • Earn 1.5 points for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
  • Earn 1 point for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
  • Travel lightly through the airport and save on baggage fees: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
  • Complimentary Visa Infinite Concierge : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Visa Infinite Luxury Hotel Collection: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $75
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1.5Aeroplan Points
  • Gas1.5Aeroplan Points
  • Air Canada1.5Aeroplan Points
Value
  • Year 1 $1,503
  • Year 2+ $425
Best For
Transfer Partners
  • Aeroplan

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$2,000,000
21 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 2X Points on All Purchases
  • Premium Insurance
  • Access to VIP Lounges
Learn More
Best Travel Rewards Credit Card In 2024

Earn up to $1,000 in value, including up to 85,000 TD Rewards Points, no Annual Fee for the first year and additional travel benefits. Conditions apply. Offer effective as of June 4, 2025.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card.
  • Earn 65,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards points.
  • Get an annual TD Travel Credit of $100 when you book at Expedia® For TD.
  • Get an Annual Fee Rebate for the first year.
  • Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285).

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 6 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit
  • Earn 4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media
  • Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card plus earn an annual Birthday Bonus of up to 10,000 TD Rewards Points

Your card also allows you to enjoy:

  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries6TD Rewards Points
  • Dining and Food delivery6TD Rewards Points
  • Local Transport6TD Rewards Points
Value
  • Year 1 $1,234
  • Year 2+ $531
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
21 day(s)
Travel medical insurance up to 64 years old
$2,000,000
21 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
$1,500
Trip Interruption Insurance
$5,000
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 3% cash back on groceries and gas
  • Premium Insurance
  • Visa Infinite Benefits
Learn More

Earn up to $600 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Offer effective as of April 30, 2025. Conditions apply. Offer effective as of April 30, 2025.

  • Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made.
  • Get an Annual Fee Rebate for the first year.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.

  • Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases†.
  • Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
  • Earn 1% in Cash Back Dollars on all other Purchases.
  • Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please – the choice is yours†!
  • Cash Back Dollars do not expire as long as your account is open and in good standing.
  • 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.
  • Complimentary Visa Infinite* Concierge service available 24/7
  • Mobile Device Insurance: Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $139
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3%
  • Gas3%
  • Local Transport3%
Value
  • Year 1 $969
  • Year 2+ $341
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
$2,000,000
10 day(s)
Travel medical insurance up to 64 years old
$2,000,000
10 day(s)
Travel medical insurance 65+
$2,000,000
4 day(s)
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance

Earn up to $500 in value including up to 20,000 Aeroplan points and no annual fee for the first year. Conditions apply. Offer effective as of January 7, 2025.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening
  • 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.

  • Earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada® purchases, including Air Canada Vacations®.
  • Earn 1 point for every $1.50 spent on all other eligible purchases† made with your Card
  • Earn points twicewhen you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
  • Earn Aeroplan Points on your everyday purchases
  • Redeem your points for travel and more.
  • Take advantage of an extensive suite of travel insurance.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $89
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1Aeroplan Point
  • Gas1Aeroplan Point
  • Air Canada1Aeroplan Point
Value
  • Year 1 $866
  • Year 2+ $288
Best For
Transfer Partners
  • Aeroplan

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • 4.5X points on grocery and restaurants purchases†
  • Purchase Insurance
Learn More

Earn the equivalent of up to $370 including up to 50,000 TD Rewards Points and no annual fee for the first year. Conditions apply. Offer effective as of January 7, 2025.

  • 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.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 6 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 4.5 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†
  • Earn 3 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
  • Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Your Card also allows you to enjoy:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more
  • Booking your travel through Expedia® For TD to maximize the TD Rewards Points you can earn on your travel purchases.
  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
Legal

†Terms and conditions apply.

Annual Fee
  • Primary card $89
  • Additional card $35
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries4.5TD Rewards Points
  • Dining and Food delivery4.5TD Rewards Points
  • Local Transport4.5TD Rewards Points
Value
  • Year 1 $647
  • Year 2+ $219
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
$500,000
Flight Delay Insurance
$500
Delayed Baggage Insurance
$1,000
Lost/Stolen Baggage Insurance
$1,000
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
  • No Annual Fee
  • Purchase Insurance
  • Mobile Device Insurance
Learn More

Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) when you spend $500 within 90 days of Account opening. Conditions apply. Offer effective as of January 7, 2025.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 3 TD Rewards points per dollar spent on grocery, restaurant and public transit purchases
  • Earn 2 TD Rewards points per dollar on recurring bill payments and purchases of streaming services as well as games and digital media
  • Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Your card also allows you to enjoy:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.
  • Mobile device insurance of up to $1,000 if your phone is lost or damaged.
  • Booking your travel through Expedia® For TD to maximize the TD Rewards Points you can earn on your travel purchases.
  • No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
    21.99 % (QC)
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3TD Rewards Points
  • Dining and Food delivery3TD Rewards Points
  • Local Transport3TD Rewards Points
Value
  • Year 1 $281
  • Year 2+ $205
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Earn up to $50 in Cash Back Dollars with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025.

  • Earn $10 in Cash Back Dollars on first purchase with your card.
  • Earn an additional $40 in Cash Back Dollars when you reach a spend of $1,500 in the first 3 months of account opening.
  • Cash Back Dollars can be redeemed to help pay down your account balance.
  • For every eligible purchase you make, you earn Cash Back Dollars credit for a percentage of that purchase.
  • Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases.
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card.
  • Earn 50% more Stars at participating Starbucks® locations. Conditions apply. Learn more.
  • Save when you rent a vehicle from Avis and Budget. Use your TD credit card and get 10% off the lowest available rates in Canada and the U.S. and at least 5% off the lowest available international rates on qualifying vehicle rentals at participating Review and Budget locations.
  • Optional TD Auto Club membership for 24/7 emergency roadside assistance.
  • Purchase insurance and extended warranty protection – You automatically benefit from Purchase Insurance and Extended Warranty Protection, which covers most personal items purchased with your card that are stolen or damaged within 90 days of purchase.
Legal
Terms and conditions apply.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 21.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries1%
  • Gas1%
  • Local Transport1%
Value
  • Year 1 $230
  • Year 2+ $180
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
A credit card you can rely on with a low interest rate.

Get a 0% promotional interest rate on Purchases for the first 6 months from Account opening. Conditions apply. Offer effective as of June 4, 2025.

Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.

  • Save on interest with a low annual interest rate of 12.90% (13.90% in Quebec) on Purchases and Cash Advance transactions.
  • Option to purchase Travel Medical Insurance and Trip Cancellation/Trip Interruption Insurance.
  • Earn 50% more Stars at participating Starbucks® stores. Conditions apply.

Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay or Samsung Pay. It’s an easy and secure way to pay.

Legal

Terms and conditions apply.

Annual Fee
  • Primary card $25
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 12.90 %
    13.90 % (QC)
  • Cash Advance Rates 12.90 %
    13.90 % (QC)
  • Balance Transfer Rates 12.90 %
    13.90 % (QC)
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
Credit card

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