TD Bank offers a range of credit cards, each catering to different financial needs and lifestyles. Whether you’re looking for travel benefits, cash back rewards, low rates, or no annual fees, TD has a card for you.
Let’s look at the various TD credit cards available and our top picks for various spending categories.
Which Is The Best TD Credit Card In Canada?
Credit Card | Best For |
---|---|
TD Cash Back Visa Infinite Card | Those who want high cash back on groceries, gas, and regular bill payments. |
TD® Aeroplan® Visa Infinite Card | Earning Aeroplan points and getting access to travel perks and travel insurance. |
TD First Class Travel® Visa Infinite Card | Avid travelers looking for travel benefits and rewards. |
TD Rewards Visa Card | Travelers who want a flexible travel rewards card with no annual fee. |
TD Low Rate Visa Card | Individuals who want a low interest rate (12.90%). |
TD® Aeroplan® Visa Platinum Credit Card | Individuals who want Aeroplan points and want a lower annual credit card fee. |
TD® Aeroplan® Visa Infinite Privilege Card | Individuals willing to pay a premium for premium Aeroplan points and travel perks. |
TD Platinum Travel Visa Card | Individuals looking for a cheaper version of the TD First Class Travel Visa. |
TD Cash Back Visa Card | Cash back on everyday purchases with no annual fee. |
Best TD Credit Card For Cash Back
With a cash back credit card, you can earn a percentage of your credit card purchases back as cash rewards and redeem them for travel purchases, gift cards, statement credits, and more. TD’s best credit card for cash back is the TD Cash Back Visa Infinite Card.

TD Cash Back Visa Infinite Card Features
The TD Cash Back Visa Infinite Card offers generous cash back rewards and a host of other benefits. Cardholders can earn as much as 3% cash back on groceries, gas, and regular bill payments, and 1% cash back on all other purchases.
Features | Details |
Cash Back Rates | – 3% on groceries, gas, and regular bill payments – 1% on all other purchases |
Welcome Bonus | Up to $600 in value, including 10% cash back on the first 3 months |
Annual Fee | $139 |
Interest Rates | Purchase: 20.99% |
Extra Perks | 24/7 Emergency Roadside Assistance, Visa Infinite Concierge, Mobile Device Insurance |
Eligibility | $60,000 personal or $100,000 household income, Canadian resident, Age of majority |
Pro Tip. If you get the TD All-Inclusive Banking chequing account, your annual credit card fee will be waived each year.
How Much Can You Earn?
The amount you can earn on a year-to-year basis depends on which category you spend the most money in. The amount of cash back you can earn during your first year will also usually be greater due to the welcome bonus points.
- If you spend $1,500 a month at the highest earn rate of 3%, you could earn approximately $540* yearly.
- If you spend $1,500 a month at the lowest earn rate of 1%, you could earn approximately $180*
*Does not include welcome bonus points
Best TD Credit Card For Aeroplan Points
If you love to travel, you’ll want to look for a card that offers maximum travel rewards. TD offer a great Aeroplan credit card for avid travellers:

TD® Aeroplan® Visa Infinite Card
The TD® Aeroplan® Visa Infinite Card offers generous rewards and travel perks. Travellers will appreciate earning 1.5 points for every dollar spent on Air Canada purchases, as well as complimentary first checked bags on Air Canada flights and rebates on NEXUS application fees.
Feature | Details |
Earn Rate | – Earn 1.5 points for every $1 spent on gas, groceries, and direct Air Canada purchases. – Earn 1 point for every $1 spent on other eligible purchases. |
Welcome Bonus | Earn up to $1,300 in value, including up to 40,000 Aeroplan points within the first year. |
Interest Rates | Purchase Rate: 20.99% |
Card Fee | $139 |
Extra Perks | Free first checked bag on Air Canada flights. Rebates on NEXUS application fees. |
Eligibility | $60,000 personal or $100,000 household income. Canadian resident. Age of majority. |
Pro Tip. If you get the TD All-Inclusive Banking chequing account, your annual credit card fee will be waived.
How Much Can You Earn?
Assuming you spend $1,000 each month, you could earn between 12,000 to 18,000 Aeroplan points each year. This amount can be significantly higher during the first year due to the welcome bonus points.
Check out how far your Aeroplan points can take you with this Flight Reward Chart.
Best TD Travel Credit Card
TD has a great travel credit card that offers all the benefits an avid traveller would want when travelling.

TD First Class Travel® Visa Infinite Card
The TD First Class Travel® Visa Infinite Card is designed for frequent travellers. Cardholders can earn 8 TD Rewards Points per dollar spent on Expedia travel purchases, 4 points per dollar on restaurant purchases and groceries, and 2 points per dollar on all other purchases.
TD Rewards Visa Infinite Card Features
Feature | Details |
Earn Rate | – 8 TD Rewards Points for every $1 spent on travel bookings through Expedia – 6 TD Rewards Points for every $1 spent on groceries and restaurants – 4 TD Rewards Points for every $1 spent on regular bill payments – 2 TD Rewards Points for every $1 spent on all other purchases |
Welcome Bonus | Earn up to $1,000 in value, including up to 135,000 TD Rewards Points within the first year. |
Interest Rates | Purchase Rate: 20.99% |
Card Fee | $130 |
Extra Perks | Annual travel credits. Travel insurance. No travel blackout dates for TD Rewards Points. |
Eligibility | $60,000 personal or $100,000 household income. Canadian resident. Age of majority. |
How Much Can You Earn?
Assuming you spend $1,500 a month, you can earn between 24,000 to 96,000 TD rewards points. For the first year, you can add the welcome bonus points to your earnings. These points change in value depending on what you redeem them for.
- 200 points = $1, when redeemed on TD for Expedia
- 303 points = $1, when redeemed on Amazon purchases
- 400 points = $1, when redeemed for statement credits
Learn more: How Does The TD Rewards Amazon Program Work?
Best TD Credit Card With No Annual Fee
The TD Rewards Visa Card is a flexible credit card ideal for travellers, particularly those who frequently book their travels through Expedia.

TD Rewards Visa Card
TD Rewards Visa cardholders can earn 4 TD Rewards Points for every dollar spent on Expedia travel bookings, 3 points for every dollar spent on grocery purchases and restaurants, 2 points per dollar on regular bill payments, and 1 point per dollar on all other purchases.
Feature | |
Earn Rate | – 4 TD Rewards Points for every $1 spent on Expedia travel bookings. – 3 TD Rewards Points for every $1 spent on restaurants and groceries. – 2 TD Rewards Points for every $1 spent on regular bill payments. – 1 TD Rewards Points for every $1 spent on other eligible purchases. |
Welcome Bonus | Earn 15,152 TD Rewards Points when you spend $500 within 90 of opening your account. |
Interest Rates | Purchase Rate: 19.99% |
Card Fee | $0 |
Extra Perks | Mobile device insurance, no travel blackout dates for TD Rewards Points |
Eligibility | Canadian resident. Age of majority. |
How Much Can You Earn?
How much can you potentially earn with the TD Rewards Visa Card?
If you spend $1,000 a month, you could earn a maximum of approximately 48,000 TD Rewards Points and a minimum of 12,000 TD Rewards Points a year.
*Does not include welcome bonus points
How Much Are TD Credit Card Rewards Points Worth?
The value of one TD Rewards point is 0.5¢ for travel purchases made on Expedia for TD. That means 200 points is equal to $1 in travel value. However, if you redeem the points for statement credits or on Amazon, the value will be lower.
- 303 points = $1, when redeemed on Amazon purchases
- 400 points = $1, when redeemed for statement credits
Best TD Card For Low-Interest
If you often carry a balance over, you’ll want to look for a card that charges minimal interest, which you’ll find with the TD Low Rate Visa Card.
TD Low Rate Visa Card
The TD Low Rate Visa Card is great for those looking to save money on interest, thanks to its low annual rate of 12.90%. However, there are no cash back or rewards, and there is an annual fee of $25. That said, the card comes with a few perks, including:
- 50% more Stars at Starbucks
- Purchase Security and Extended Warranty Protection
- Discounts on car rentals with Avis and Budget
- 24/7 emergency roadside assistance
Does TD Offer Any Student Credit Cards Or Discounts?
TD doesn’t offer any credit cards that are specifically designed for students. However, students can opt for TD credit cards with no annual fee. This includes the TD Cash Back Visa Card and the TD Rewards Visa Card.
Learn more: Can Credit Card Rewards Can Be Taxed?.
Does TD Offer Any Senior Credit Cards Or Discounts?
There are no senior-specific TD credit cards, though the bank does offer senior rebates on several bank accounts:
- All-Inclusive Banking Plan: $7.50 Senior’s rebate
- Unlimited Chequing Account: $5.00 Senior’s rebate
- Every Day Chequing Account: $2.75 Senior’s rebate
Other TD Credit Cards Worth Checking Out
TD offers a full suite of credit cards in addition to the options listed above. Here are other TD credit cards worth considering:

TD® Aeroplan® Visa Platinum Credit Card
Best For | Travellers who collect Aeroplan points |
Earn Rate | Earn 1 point per $1 spent on groceries, gas, and direct Air Canada purchases. Earn 1 point per $1.50 spent on other eligible purchases. Earn twice as many points when you pay with your card and use your Aeroplan number at partner brands and retailers through the Aeroplan eStore. |
Interest Rates | Purchase Rate: 20.99% |
Card Fee | $89 |
Extra Perks | Annual fee rebates. Travel insurance. No blackout dates on Air Canada flights. |

TD® Aeroplan® Visa Infinite Privilege Credit Card
Best For | Travellers who collect Aeroplan points and utilize VIP airport services |
Earn Rate | Earn 2 points per $1 spent on qualifying purchases made directly with Air Canada. Earn 1.5 points per $1 spent on gas, groceries, travel, and restaurants. Earn 1.25 points per $1 spent on other eligible purchases. Earn twice as many points when you provide your Aeroplan number at Aeroplan partner brands and retailers. |
Interest Rates | Purchase Rate: 20.99% |
Card Fee | $599 |
Extra Perks | Priority airport services. Complimentary Maple Leaf Lounge access. Annual travel credits. NEXUS application fee rebates. |
Learn more: TD Aeroplan Visa Infinite Privilege Card Review

TD Platinum Travel Visa Card
Best For | Frequent travelers who often book through Expedia |
Earn Rate | Earn 6 TD Rewards Points per $1 spent on travel bookings through Expedia. Earn 4.5 TD Rewards Points per $1 spent on groceries and restaurants. Earn 3 TD Rewards Points per $1 spent on regular bill payments. Earn 1.5 TD Rewards Points per $1 spent on all other purchases. |
Interest Rates | Purchase Rate: 20.99% |
Card Fee | $89 |
Extra Perks | No travel blackout dates. No seat restrictions. Points never expire with account in good standing. |

TD Cash Back Visa Card
Best For | Consumers looking to earn rewards on everyday purchases |
Earn Rate | Earn 1% in cash back dollars on groceries, gas, and regular bill payments. Earn 0.5% in cash back dollars on all other purchases. |
Interest Rates | Purchase Rate: 19.99% |
Card Fee | $0 |
Extra Perks | No annual fee. Cash back dollars never expire with account in good standing. |
Final Thoughts
Given TD Bank’s vast suite of credit card products, you’ll be sure to find something that suits your needs and lifestyle. Whether you want competitive cash back earn rates, travel insurance and other perks, or low annual fees and interest rates, TD has a ton of options to choose from. Just be wary of the eligibility requirements before you apply.