20,000 TD Rewards points for your first purchase with your card†
140,000 TD Rewards points when you spend $7,500 within 180 days of account opening†
An anniversary bonus of up to 10,000 TD Rewards points†
You also get an annual $100 TD travel credit† when you book a trip through Expedia® for TD, plus airport lounge access with 4 free visits per year through the Visa Airport Companion program†.
8 TD Rewards points† per dollar spent when you book through Expedia® for TD†
6 TD Rewards points† per dollar on groceries, dining and transit
4 TD Rewards points† per dollar on recurring bill payments, streaming services and digital games and media
2 TD Rewards points† per dollar on all other purchases made with your card
This card also gives you a range of travel benefits, including an annual travel credit, free airport lounge visits, and an anniversary bonus that tops up your points every year†.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:
20,000 TD Rewards Points for the first purchase made with your card†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
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, and 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 $277)†.
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† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
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%
Earning rate
6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending
Value
1st Year Value$1,430
2nd Year Value$531
Card benefits
Concierge service24/7
Airport lounge access$160
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
TD Platinum Travel Visa* Card
With this new welcome offer for the TD Platinum Travel Visa* Card, you can earn up to 50,000 TD points and a first-year annual fee rebate:
15,000 TD Rewards points for your first purchase with your card†
35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening†
This TD travel rewards credit card has no minimum income requirement.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$1,000Annual fee rebated$139Total$1,139Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With this offer for the TD® Aeroplan® Visa Infinite* Card, you can get up to 50,000 Aeroplan points† as well as an Annual Fee rebate for the first year†.
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 $3,000 within 90 days of Account opening†.
Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
This card also allows you to enjoy travel benefits, such as a free first checked bag for you and up to 8 travel companions on the same reservation†, as well as a rebate on the NEXUS program application fee (up to $100 CAD per eligible cardholder) every 48 months†.
With the TD® Aeroplan® Visa Infinite* Card, you earn 1.5 points† per $1 spent on:
Grocery purchases
Gas and electric vehicle charging purchases
Purchases made directly with Air Canada® (including Air Canada Vacations®)
You also earn 1 point† per dollar on all other eligible purchases made with your card.
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%
Earning rate
1.5xGas
1.5xGroceries
1.5xAir Canada flights
1xAll spending
Value
1st Year Value$1,714
2nd Year Value$425
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000 / 1 years
Auto Rental CollisionUp to $65,000 / 48 days
TD® Aeroplan® Visa Infinite Privilege* Card
With the TD® Aeroplan® Visa Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points† through a welcome offer structured in several tiers.
This card also comes with premium travel benefits, including:
A rebate on NEXUS program application fees (up to $100 CA per eligible cardholder) every 48 months†
Unlimited access to Air Canada Maple Leaf Lounges†, with free access for one guest
6 free visits per year to select international airport lounges through the Visa Airport Companion program†, presented by DragonPass International Ltd.
First checked bag free for you and up to 8 travel companions on the same reservation when the trip starts with an Air Canada flight†
With the TD® Aeroplan® Visa Infinite Privilege* Card, you earn:
2 points† per dollar of eligible purchases made directly with Air Canada® (including Air Canada Vacations®)
1.5 points† per dollar of eligible gas, electric vehicle charging, grocery, travel, transit and dining purchases
1.25 points† per dollar on all other eligible purchases
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the TD® Aeroplan® Visa* Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points† with a tiered welcome offer.
This card also offers premium travel benefits, including:
A partial rebate on NEXUS program application fees (up to $100 CAD per eligible cardholder) every 48 months†
Unlimited access to Air Canada Maple Leaf Lounges†, with complimentary access for one guest
6 complimentary visits per year to select international airport lounges through the Visa Airport Companion Program† presented by DragonPass International Ltd.
First checked bag free for you and up to 8 travel companions on the same reservation when travel begins with an Air Canada flight†
With the TD® Aeroplan® Visa* Infinite Privilege* Card, you earn:
Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
1.5 points† per dollar on eligible purchases of gas, electric vehicle charging, groceries, travel, public transit and dining
1.25 points† per dollar on all other eligible purchases
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%
Earning rate
2xAir Canada flights
1.5xRestaurants
1.5xGroceries
1.5xTravel
1.5xTransit
1.5xGas
1.25xAll spending
Value
1st Year Value$2,334
2nd Year Value$461
Card benefits
Concierge service24/7
Airport lounge access$400
Travel insurance
Travel medical (under 55)Up to $5,000,000 / 31 days
Travel medical (55-64)Up to $5,000,000 / 31 days
Travel medical (65+)Up to $5,000,000 / 4 days
Trip CancellationUp to $2,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $2,500
Flight DelayUp to $1,000
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,500 / 2 years
Auto Rental CollisionUp to $65,000 / 48 days
TD® Aeroplan® Visa Platinum* Card
With the TD® Aeroplan® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and a first-year annual fee rebate:
10,000 Aeroplan points for your first purchase with your card†
10,000 additional Aeroplan points when you spend $1,500 within 90 days of account opening†
First-year annual fee rebate for the primary cardholder (instead of $89)†
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 of opening it. To receive the first-year annual fee rebate for additional cardholders, you must add them while the offer is in effect.
With the TD® Aeroplan® Visa Platinum* Card, you earn 1 point per dollar of eligible purchases at:
Grocery stores
Eligible gas or electric vehicle charging purchases
aircanada.com, including Air Canada Vacations
This TD Aeroplan credit card has no minimum income requirement.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$400Annual fee rebated$89Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the TD® Aeroplan® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and get a Annual Fee rebate for the first year:
10,000 Aeroplan points for the first purchase made with your card†
10,000 additional Aeroplan points when you spend $1,500 within the first 90 days of opening your account†
First-year Annual Fee waived for primary cardholder (instead of $89)†.
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.
With the TD® Aeroplan® Visa Platinum* Credit Card, you earn 1 point per dollar spent on eligible purchases for:
Grocery stores
Eligible purchases of gas or electric vehicle charging
Air Canada purchases, including Air Canada Vacations
This TD Aeroplan credit card requires no minimum income.
With the TD Cash Back Visa Card, you can earn cash back dollars on your everyday purchases and use them to reduce your account balance.
This card offers a simple and advantageous structure for your daily spending, including:
1% in cash back dollars on grocery, gas, electric vehicle charging and public transit purchases, as well as on recurring bill payments and streaming, gaming and digital media services†
0.5% in Cash Back Dollars on all other purchases made with your card†
Redeem your cash back dollars as soon as you reach a balance of $25 to help pay down your account balance†
Your cash back dollars do not expire as long as your account is open and in good standing.
Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions Apply.
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$350Annual fee rebated$139Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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, for a total value of up to $600† once the first-year Annual Fee rebate is included!
Plus, an Annual Fee rebate for the first year 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.
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%
Earning rate
3xBills & recurring payments
3xGroceries
3xGas
3xTransit
3xStreaming
1xAll spending
Value
1st Year Value$1,034
2nd Year Value$341
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 10 days
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$350Annual fee rebated$139Total$489Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
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, for a total value of up to $600† once the first-year Annual Fee rebate is included!
Plus, an Annual Fee rebate for the first year 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.
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%
Earning rate
3xBills & recurring payments
3xGroceries
3xGas
3xTransit
3xStreaming
1xAll spending
Value
1st Year Value$1,034
2nd Year Value$341
Card benefits
Concierge service24/7
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 10 days
With the TD Cash Back Visa Card, you can earn cash back dollars on your everyday purchases and use them to reduce your account balance.
This card offers a simple and advantageous structure for your daily spending, including:
1% in cash back dollars on grocery, gas, electric vehicle charging and public transit purchases, as well as on recurring bill payments and streaming, gaming and digital media services†
0.5% in Cash Back Dollars on all other purchases made with your card†
Redeem your cash back dollars as soon as you reach a balance of $25 to help pay down your account balance†
Your cash back dollars do not expire as long as your account is open and in good standing.
Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions Apply.
Legal
†Terms and conditions apply.
Annual fee
Primary card$0
Additional card$0
Annual income required
Individual$0
Household$0
Conversion fees
2.5%
Earning rate
1xStreaming
1xGroceries
1xBills & recurring payments
1xGas
1xTransit
0.5xAll spending
Value
1st Year Value$246
2nd Year Value$180
The Best TD Credit Cards – Low Interest Rates
TD Low Rate Visa* Credit Card
With the TD Low Rate Visa* Card, you get real financial flexibility for your everyday purchases.
Save on interest with a low annual interest rate of 12.90%† for residents outside Quebec and 13.90%† in Quebec on purchases and cash advances.
Option to add travel medical insurance† and trip cancellation and interruption insurance†
Earn more Stars at participating Starbucks® stores. Conditions apply.
Enjoy every benefit of your TD Low Rate Visa* Card when you pay with Apple Pay, Google Pay or Samsung Pay†. They are easy and secure ways to pay.
This card also stands out for its travel benefits, including an annual TD travel credit of $100, 4 complimentary airport lounge visits with the Visa Airport Companion program, and an anniversary bonus of up to 10,000 TD Rewards points.
In return, the offer requires a higher spending threshold of $7,500 within 180 days of account opening to earn the majority of bonus points.
Is the TD Aeroplan Visa Infinite Privilege Card worth its $599 annual fee?
With a welcome offer of up to 100,000 Aeroplan points (worth about $2,000 at 2¢ per point), the first year is highly profitable. For subsequent years, the $599 fee is offset by the benefits: first checked bag free for 9 people on Air Canada, access to Maple Leaf lounges in North America, savings on Air Canada Signature Class, and 1.5 points per dollar on groceries, restaurants, and gas. A family taking 2 or 3 Air Canada flights per year easily recovers the $599 with free checked bags alone.
Are TD cards accepted at Costco in Canada?
No. All TD credit cards are Visa cards, and Costco Canada only accepts Mastercard at checkouts and gas stations. You can use them on Costco.ca for online orders. For in-warehouse Costco purchases, you need a secondary Mastercard, such as the CIBC Costco Mastercard. Most Aeroplan collectors combine a TD Aeroplan card for Air Canada flights and a separate Mastercard for Costco.
Which TD card should I choose if I don’t have a high minimum income?
Our valuationMilesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Total$939Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:
20,000 TD Rewards Points for the first purchase made with your card†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
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, and 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 $277)†.
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† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
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%
Earning rate
6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending
Value
1st Year Value$1,430
2nd Year Value$531
Card benefits
Concierge service24/7
Airport lounge access$160
Travel insurance
Travel medical (under 55)Up to $2,000,000 / 21 days
Travel medical (55-64)Up to $2,000,000 / 21 days
Travel medical (65+)Up to $2,000,000 / 4 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000
Purchase protection
Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
Our editorial integrity
Our reviews and rankings are based on an objective assessment. Advertisers do not influence our content. We may receive compensation through some links; our analysis and opinions remain independent.
