Credit cards

We have analyzed more than 140 credit cards in Canada.

Find the best credit card for your needs: use our filters to compare your options by issuer, reward type, reward program, annual fee, income, offer value, etc.

  • Transfer your points to airline partners
  • Premium Insurance
  • Visa Infinite Benefits
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Best Credit Card For Flexible Travel Rewards In 2024

Get up to 55,000 Avion points1 (max travel value of $1,100), that’s up to 3 round trip flights ^..

Get 35,000 Welcome Points on approval and 20,000 bonus points when you spend $5,000 in your first 6 months1. Apply by June 15, 2026.

  • Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
  • Avion members can use their points with any carrier, regardless of the flight and departure date, without blackout dates or seat restrictions.
  • Avion Visa Infinite Cardholders earn points that never expire so your points will be waiting for your next adventure.
  • Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and Merchandise at top brands like Apple.
  • Eligible Avion Rewards members can convert their points into other loyalty programs, such as WestJet Rewards, American Airlines, British Airways, and Cathay Pacific.
  • Link your cards and instantly save 3¢/L on fuel and earn 20% more Petro-Points and Avion points at Petro-Canada
  • Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10 Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
  • Get access to RBC offers which provides access to earn points faster at specified brands
  • Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
  • Avion Visa Infinite Cardholders get access to luxury Visa Infinite benefits, including first in line for exclusive events, and hotel and dining benefits.

Get $0 delivery fees for 12 months from DoorDash – Add your eligible RBC credit card to your DoorDash account to:

  • Get a 12-month complimentary DashPass subscription± – a value of almost $120
  • Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Legal

Refer to RBC page for up to date offer terms and conditions

† Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 55,000 Avion points for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean, with a maximum ticket price of $1,100. All applicable taxes, service fees and surcharges are the responsibility of the traveller. † For Air Travel Reward redemptions from the Air Travel Redemption Schedule with a maximum ticket price of $1,100, starting at 55,000 Avion points, you can redeem for a round trip flight from eastern Canada or the United States to Mexico, Hawaii or Alaska; or from western Canada or the United States to Bermuda, Central America or the Caribbean. All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including information on redeeming for first class and business class seats, visit: www.avionrewards.com/travel/index.html. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

^ Air Travel Reward redemptions from the Air Travel Redemption Schedule start at 7,500 points for a one-way short-haul flight within or to an adjacent province/territory or U.S. state in economy class with a maximum ticket price of $175 (and start at 15,000 points for a round-trip short-haul flight within or to an adjacent province/territory or U.S. state in economy class with a maximum ticket price of $350). All applicable taxes, service fees and surcharges are the responsibility of the traveller. For more details, including guidelines on redeeming for business class seats, visit www.avionrewards.com/travel/. For general redemption terms, conditions and restrictions that apply to the Avion Rewards program, please visit: www.avionrewards.com or call 1-800 ROYAL 1-2 (1-800-769-2512).

1 This offer only applies to new applications for an RBC Avion Visa Infinite or RBC Avion Visa Platinum credit card (each, an “Eligible Credit Card”) received between “January 21, 2026” and “June 15, 2026” (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”) subject to the conditions below. Additional cardholders(s) (co-applicant and authorized user(s)) on the Eligible Credit Card account, as well as existing cardholders on any RBC Royal Bank personal credit card account transferring to an Eligible Credit Card account during the Offer Period, are not eligible for the offer.

35,000 welcome Avion points (“Welcome Points”) will appear on your monthly credit card statement within sixty (60) days after your application has been approved, provided that your Eligible Credit Card account remains open and in good standing at the time the Welcome points are credited to your account, “good standing” meaning that your Eligible Credit Card account must not be past due for more than two (2) consecutive credit card account statement periods, closed, charged off or in credit revoked status.

You will receive 20,000 bonus Avion points (“Bonus Points”) if a total of $5,000 or more (“Qualifying Transaction Amount”) in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) are posted to your Eligible Credit Card account within the first six (6) months from your Eligible Credit Card account opening date (“Period”). The Bonus Points will appear on your monthly credit card statement within sixty days (60) after you reach $5,000 in Qualifying Transactions, provided your Credit Card Account remains open and in good standing at the time the Bonus Points are credited to your account.

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees. Credits for returns and adjustments posted to your Credit Card Account during the Period will reduce the amount of your Qualifying Transactions. The Qualifying Transaction Amount is based on the transaction posting date of each Qualifying Transaction, not the transaction date. This means that transactions that take place prior to the last day of the Period will not be considered for the Qualifying Transaction Amount if they have not yet been posted or processed by the merchant, the payment network (Visa) or Royal Bank by the last day of the Period.

If you close or change your Eligible Credit Card for another type of RBC Royal Bank credit card before the Welcome Points and/or the Bonus Points have been credited to your account, you may lose the benefit of this offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank reserves the right to cancel, modify or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by Royal Bank in its sole discretion. For complete terms and conditions that apply to the Avion Rewards Program, please visit www.avionrewards.com or call 1-800-769-2512.

Annual Fee
  • Primary card $120
  • Additional card $50
Annual Income Required
  • Individual $60,000
  • Household $100,000
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Travel1.25Avion Points
  • All Spending1Avion Point
  • Groceries1Avion Point
Value
  • Year 1 $1,151
  • Year 2+ $271
Best For
Transfer Partners
  • RBC Avion Rewards - Elite

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
15 day(s)
Travel medical insurance up to 64 years old
15 day(s)
Travel medical insurance 65+
3 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
$500
Lost/Stolen Baggage Insurance
$500
Auto Rental Loss/Insurance
$65,000
48 day(s)
Hotel/Motel Burglary Insurance
$2,500
Get up to 7,000 Avion points with the RBC ION+ Visa card

Get up to 21,000 Avion points^ - that’s up to $150 of value in gift cards! Apply by May 6, 2026

Get 7,000 Welcome Points and earn 14,000 bonus points when you spend $1,500 in your first 6 months.^

Earn 3X Avion points per dollar spent1 on:

  • Grocery, Dining & Food Delivery - Satisfy your taste buds by earning points on groceries, dining out, food delivery.i
  • Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ii
  • Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.iii

Earn 1 Avion point for every $1 spent on all other qualifying purchases1

$48 annual fee

Legal

Refer to RBC page for up to date offer terms and conditions

Annual Fee
  • Primary card $48
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Interest Rates
  • Purchase Rates 20.99 %
  • Cash Advance Rates 22.99 %
    21.99 % (QC)
  • Balance Transfer Rates 22.99 %
    21.99 % (QC)
Earning Rate
  • Groceries3Avion Points
  • Gas3Avion Points
  • Dining and Food delivery3Avion Points
Value
  • Year 1 $418
  • Year 2+ $269
Best For
Transfer Partners
  • RBC Avion Rewards - Distinction

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 Cash Back Dollars. Redeem them to help pay down your Account balance.

  • 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.
  • Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions apply. Learn more.
  • Save with Avis Rent A Car and Budget Rent A Car: Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis 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 $180
  • 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

Up to $400 in value, including up to 15,000 Aeroplan points could be yours. Plus, receive an annual fee rebate for the first year. Conditions Apply.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card
  • Earn an additional 5,000 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.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

  • Earn 1 point for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • 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
  • Travel with confidence with Travel Medical Insurance†
  • 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 $766
  • 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

Up to $3,000 in value including up to 85,000 Aeroplan points and additional travel benefits could be yours. Conditions Apply.

  • 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

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

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.
  • Travel with confidence with Travel Medical Insurance†
  • Complimentary Visa Infinite* Concierge service† available 24/7
  • 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
  • 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.

  • 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.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

  • 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
  • No annual fee
  • Purchasing 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 may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

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
  • 4.5x the Points for Groceries and Restaurants
  • Purchasing insurance
Learn More

Earn up to $370 in value, including up to 50,000 TD Rewards Points and receive an annual fee rebate for the first year†. Conditions apply.

  • 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.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

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
  • 2X Points on All Purchases
  • Premium Insurance
  • Access to VIP Lounges
Learn More
Best Travel Rewards Credit Card In 2024

Earn up to $1,400 in value, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year and additional travel benefits. Conditions Apply.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card.
  • Earn 145,000 TD Rewards Points when you spend $7,500 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.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

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 $1,634
  • 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

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