
Every quarter, TD updates its welcome offers for TD credit cards: Aeroplan, travel points, and cashback.
For more details, read on or click on the name of a card.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| Annual feeⓘFirst Year Annual Fee Rebate$139 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $12,000 in 12 months Up to 50,000 points ⓘAfter $12,000 in 12 months | ||
| Annual feeⓘFirst Year Annual Fee Rebate$139 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $3,500 in 3 months Up to $350 cash back ⓘAfter $3,500 in 3 months | ||
| Annual feeⓘFirst Year Annual Fee Rebate$139 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $7,500 in 6 months Up to 160,000 points ⓘAfter $7,500 in 6 months | ||
| Annual fee$599 | Welcome offerⓘAfter $24,000 in 12 months Up to 100,000 points ⓘAfter $24,000 in 12 months | ||
| Annual feeⓘFirst Year Annual Fee Rebate$89 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $1,500 in 3 months Up to 20,000 points ⓘAfter $1,500 in 3 months | ||
| Annual feeⓘFirst Year Annual Fee Rebate$89 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $3,000 in 6 months Up to 50,000 points ⓘAfter $3,000 in 6 months | ||
| Annual fee$25 | Welcome offer 0% interest on purchases for 6 months† |
The Best TD Credit Cards – Travel
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| Annual feeⓘFirst Year Annual Fee Rebate$139 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $7,500 in 6 months Up to 160,000 points ⓘAfter $7,500 in 6 months | ||
| Annual feeⓘFirst Year Annual Fee Rebate$89 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $3,000 in 6 months Up to 50,000 points ⓘAfter $3,000 in 6 months |
- Annual feeⓘNo annual fee the first year
- $0 $139
- Our valuationⓘMilesopedia first-year estimate First-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.
- $939
- Welcome offerⓘAfter $7,500 in 6 months
- Up to 160,000 points
on TD's website
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†.
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†Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 6xGroceries
- 6xRestaurants
- 6xTransit
- 4xBills & recurring payments
- 4xStreaming
- 2xAll spending
Value
Card benefits
Travel insurance
Purchase protection
- Annual feeⓘNo annual fee the first year
- $0 $89
- Our valuationⓘMilesopedia first-year estimate First-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.
- $339
- Welcome offerⓘAfter $3,000 in 6 months
- Up to 50,000 points
on TD's website
With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a Annual Fee rebate for the first year:
- 15,000 TD Rewards points for the first purchase made 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 requires no minimum income.
Legal
†Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 4.5xTransit
- 4.5xGroceries
- 4.5xRestaurants
- 3xBills & recurring payments
- 3xStreaming
- 1.5xAll spending
Value
Travel insurance
Purchase protection
The Best TD Credit Cards – Aeroplan
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| Annual feeⓘFirst Year Annual Fee Rebate$139 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $12,000 in 12 months Up to 50,000 points ⓘAfter $12,000 in 12 months | ||
| Annual fee$599 | Welcome offerⓘAfter $24,000 in 12 months Up to 100,000 points ⓘAfter $24,000 in 12 months | ||
| Annual feeⓘFirst Year Annual Fee Rebate$89 $0ⓘFirst Year Annual Fee Rebate | Welcome offerⓘAfter $1,500 in 3 months Up to 20,000 points ⓘAfter $1,500 in 3 months |
- Annual feeⓘNo annual fee the first year
- $0 $139
- Our valuationⓘMilesopedia first-year estimate First-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.
- $1,139
- Welcome offerⓘAfter $12,000 in 12 months
- Up to 50,000 points
on TD's website
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
Annual income required
Conversion fees
2.5%
Earning rate
- 1.5xGas & EV
- 1.5xGroceries
- 1.5xAir Canada flights
- 1xAll spending
Value
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $599
- Our valuationⓘMilesopedia first-year estimate First-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.
- $2,000
- Welcome offerⓘAfter $24,000 in 12 months
- Up to 100,000 points
on TD's website
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
Annual income required
Conversion fees
2.5%
Earning rate
- 2xAir Canada flights
- 1.5xRestaurants
- 1.5xGroceries
- 1.5xTravel
- 1.5xTransit
- 1.5xGas & EV
- 1.25xAll spending
Value
Card benefits
Travel insurance
Purchase protection
- Annual feeⓘNo annual fee the first year
- $0 $89
- Our valuationⓘMilesopedia first-year estimate First-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.
- $489
- Welcome offerⓘAfter $1,500 in 3 months
- Up to 20,000 points
on TD's website
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.
Legal
†Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xGas & EV
- 1xAir Canada flights
- 1xGroceries
- 0.67xAll spending
Value
Travel insurance
Purchase protection
The Best TD Credit Cards – Cash Back
- Annual fee
- $0
- Welcome offer
- No current welcome offer
on TD's website
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
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xStreaming
- 1xGroceries
- 1xBills & recurring payments
- 1xGas & EV
- 1xTransit
- 0.5xAll spending
Value
- Annual feeⓘNo annual fee the first year
- $0 $139
- Our valuationⓘMilesopedia first-year estimate First-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.
- $489
- Welcome offerⓘAfter $3,500 in 3 months
- Up to $350 cash back
on TD's website
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
Annual income required
Conversion fees
2.5%
Earning rate
- 3xGroceries
- 3xGas & EV
- 3xTransit
- 3xBills & recurring payments
- 3xStreaming
- 1xAll spending
Value
Card benefits
Travel insurance
Purchase protection
- Annual feeⓘNo annual fee the first year
- $0 $139
- Our valuationⓘMilesopedia first-year estimate First-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.
- $489
- Welcome offerⓘAfter $3,500 in 3 months
- Up to $350 cash back
on TD's website
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
Annual income required
Conversion fees
2.5%
Earning rate
- 3xGroceries
- 3xGas & EV
- 3xTransit
- 3xBills & recurring payments
- 3xStreaming
- 1xAll spending
Value
Card benefits
Travel insurance
Purchase protection
- Annual fee
- $0
- Welcome offer
- No current welcome offer
on TD's website
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
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 1xStreaming
- 1xGroceries
- 1xBills & recurring payments
- 1xGas & EV
- 1xTransit
- 0.5xAll spending
Value
The Best TD Credit Cards – Low Interest Rates
- Annual fee
- $25
- Welcome offer
- 0% interest on purchases for 6 months†
on TD's website
With the TD Low Rate Visa* Card, you can enjoy great 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 purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks Stars at participating Starbucks® stores. Conditions Apply.
Enjoy all the benefits of your TD Low Rate Visa* Card when you use Apple Pay, Google Pay, or Samsung Pay†. These are easy and secure ways to pay.
Legal
†Terms and conditions apply.
Annual fee
Annual income required
Conversion fees
2.5%
Earning rate
- 0xAll spending
Frequently Asked Questions about the new TD credit card offers – Summer 2026
Here are frequently asked questions in the milesopedia community about this card.
What is the best TD offer for a new customer in 2026?
The most generous offer currently is the TD First Class Travel Visa Infinite* Card, with a value of up to $1,300, including up to 146,000 TD Rewards points and a first-year annual fee rebate.
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 bonus of 85,000 Aeroplan points (valued at approximately $1,700 to $2,550 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 or the MBNA Rewards World Elite 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?
Some TD cards require no minimum income, such as the TD Cash Back Visa* Card, the TD Rewards Visa* Card, or the TD Low Rate Visa* Credit Card.
These cards may be suitable for students, newcomers, or individuals looking for a more accessible card with little to no annual fees.
Our featured card
- Annual feeⓘNo annual fee the first year
- $0 $139
- Our valuationⓘMilesopedia first-year estimate First-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.
- $939
- Welcome offerⓘAfter $7,500 in 6 months
- Up to 160,000 points
on TD's website
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
Annual income required
Conversion fees
2.5%
Earning rate
- 6xGroceries
- 6xRestaurants
- 6xTransit
- 4xBills & recurring payments
- 4xStreaming
- 2xAll spending
Value
Card benefits
Travel insurance
Purchase protection
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