Are you still finishing up your holiday shopping? Maybe you’re waiting to hit up some after-Christmas sales. No matter what your holiday plans are, having a rewards credit card with the most perks is sure to make your holiday merry and bright. If you’re looking for the right credit card for the holiday season, you’re in luck! We’re comparing and contrasting TD Bank’s rewards credit cards offered in Canada. Check it out!

There are several TD rewards cards that you can choose from. Some are in the Travel or Rewards category, and some are in the Cash Back category. 

Let’s start by comparing their main features. As you can see below, all the cards are from Visa.

CardCategoryAnnual feesInterest rates
TD First Class Travel® Visa Infinite* Travel or rewards$139, $50 for the second cardholder, and $0 for additional cardholders20.99% on purchases and 22.99% cash advances (20.99% for QC)
TD Business Travel Visa*Travel or rewards$149 and $49 for additional cardholders19.99% on purchases and 22.99% on cash advances
TD Platinum Travel Visa* CardTravel or rewards$89, $35 for the second, and $0 for additional cardholders20.99% on purchases and 22.99% cash advances (20.99% in QC)
TD Rewards Visa*Travel or rewards$019.99% on purchases (20.99% in QC) and 22.99% cash advances (20.99% in QC)
TD Cash Back Visa Infinite*Cash back$139, $50 for the second, and $0 for additional cardholders20.99% on purchases and 22.99% cash advances (20.99% in QC)
TD Cash Back Visa*Cash back$019.99% (20.99% in QC) on purchases and 22.99% cash advances (20.99% in QC)

What are TD Rewards?

But before we compare each card, what are TD Rewards? TD Rewards are points that can be redeemed for travel, shopping on Amazon, merchandise available through the PrimesTD.com catalog, or statement credit.

Now that we have that covered, let’s compare!

TD First Class Travel® Visa Infinite* Card

Annual Fee: $139

Interest Rate: 20.99% on purchases and 22.99% cash advances. QC residents subject to different rates. †

Earn Rate: Up to 8 Points per $1 †

†Conditions apply. Visit the TD website to read all of the terms and conditions.

How do I earn points with a TD First Class Travel® Visa Infinite* Card? Cardholders will receive:

  • Up to 8 TD Rewards Points per $1 through Expedia® For TD †
  • Up to 6 TD Rewards Points per $1 on eligible groceries & restaurants †
  • Up to 4 TD Rewards Points per $1 on eligible recurring bill payments †
  • Up to 2 TD Rewards Points per $1 on all other card purchases †

TD Points can be redeemed for travel-related purchases (you can also get travel insurance) without travel blackouts, seat restrictions, or point expiration dates.

Promo offer: If you apply and are accepted by May 28 2023, you’ll get up to 145,000 TD points that can you redeem for many things, like reservations made through ExpediaforTD.com. You’ll get 20,000 points on your first purchase with the card, and 115,000 more if you spend $5,000 on the card within 180 of opening your account. Then, you can earn up to another 10,000 points on your birthday, depending on how many points you earned in the 12 months before your birthday, as long as the account is open and in good standing. †

Cardholders will also receive an annual fee rebate for the first card and subsequent cards, as long as you open the account, make a first purchase, and add your additional cardholders by 29 May 2023.

Of course, this offer is only valid for the first year. Annual fees apply after the first year. Points never expire.

Minimum annual income to apply: $60.000 (personal) or $100.000 (household)

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD Business Travel Visa*

Annual Fee: $149 †

Interest Rate: 19.99% on purchases and 22.99% on cash advances †

Earn Rate: Up to 9 Points per $1 †

†Conditions apply. Visit the TD website to read all of the terms and conditions.

Keep in mind that since this is a business credit card, only companies and businesses can apply for and use it.

How do I earn points? Cardholders will receive:

  • Up to 9 TD Rewards Points per $1 through Expedia® For TD †
  • Up to 6 TD Rewards Points per $1 on restaurants, recurring bill payments, and foreign currency purchases †
  • Up to 2 TD Rewards points per $1 on all other business purchases on the card †

TD Points can be redeemed for travel-related purchases (you can also get travel insurance) without travel blackouts, seat restrictions, or point expiration dates, as long as your account remains open and active. Otherwise, you can redeem them for Amazon.ca purchases through the Amazon.ca shop with points program. By linking your card to your Starbucks Rewards app, you can earn 50% more TD Rewards and 50% more Starbucks Rewards. †

Promo offer: If you apply and are accepted between now and 3 January 2023, you’ll get up to 150,000 bonus points. First, you’ll get 30,000 points when you make a first purchase in the first 90 days. Then, you’ll get another 60,000 points when you spend $5,000 on the card in the first 90 days of opening your account. Finally, you can earn up to another 60,000 points when you spend $2,500 on the card each month in the first 12 months of opening your account. †

Plus, get an annual fee rebate for the primary cardholder and two additional cardholders for the first year only. †

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD Platinum Travel Visa* Card

Annual Fee: $89 †

Interest Rate: 20.99% on purchases and 22.99% cash advances. QC residents subject to different rates. †

Earn Rate: Up to 6 Points per $1 †

†Conditions apply. Visit the TD website to read all of the terms and conditions.

How do I earn points with the TD Platinum Travel Visa*? Cardholders will receive:

  • Up to 6 TD Rewards Points per $1 through Expedia® For TD †
  • Up to 4.5 TD Rewards Points per $1 on groceries & restaurants †
  • Up to 3 TD Rewards points per $1 on recurring bill payments †
  • Up to 1.5 TD Rewards points per $1 on all other business purchases on the card †

Promo offer: If you apply and are accepted between now and 28 May 2023, you can get up to 50,000 TD Points and no annual fee for you and 2 additional cardholders for the first year only. First, you will get 15,000 TD Rewards Points when you make a first purchase with the card. Next, you’ll get another 35,000 points when you spend $1,000 on the card within the first 90 days of opening your account. †

The good thing about this card is that trips can be reserved on any travel booking site, not just Expedia, and points never expire. †

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD Rewards Visa*

Annual Fee: $0 †

Interest Rate: 19.99% on purchases and 22.99% cash advances. QC residents subject to different rates. †

Earn Rate: Up to 4 Points per $1 †

†Conditions apply. Visit the TD website to read all of the terms and conditions.

How do I earn points? Cardholders will receive:

  • Up to 4 TD Rewards Points per $1 through Expedia® For TD †
  • Up to 3 TD Rewards Points per $1 on groceries & restaurants †
  • Up to 2 TD Rewards points per $1 on recurring bill payments †
  • Up to 1 TD Rewards points per $1 on all other business purchases on the card †

Promo offer: Enjoy an introductory 9.99% interest rate on purchases made during the first 6 months. Cardholders will also get 15,152 TD points if they keep their account open and in good standing for the first 90 days, a $50 value for the “Amazon.ca shop with points” program. †

Cardholders can redeem points on merchandise, travel, or gift cards. Purchases made with this card are covered by Purchase Assurance and Extended Warranty, which can end up saving you even more! †

Points never expire. †

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD Cash Back Visa Infinite* Card

Annual Fee: $139

Interest Rate: 20.99% on purchases and 22.99% cash advances. QC residents subject to different rates. †

Earn Rate: Up to 3% cash back †

†Conditions apply. Visit the TD website to read all of the terms and conditions.

How do I earn points with a TD Cash Back Visa Infinite* Card? Cardholders will get:

  • Up to 3% cash back on eligible grocery stores, restaurants, and recurring bill payments †
  • 1% cash back on all other purchases †

You can redeem your points whenever you want.

The card also offers travel medical insurance, delayed/lost baggage insurance, purchase protection & extended warranty, mobile device insurance, roadside assistance with a Deluxe TD Auto Club membership included (a $79 value) and complimentary 24/7 Visa Infinite Concierge service.

Promo offer: If you apply and are accepted between now and 28 May 2023, you’ll get 10% cash back on all purchases made on your TD Cash Back Visa Infinite Card during the first three months (up to $2000 in purchases.) You’ll also get 6% cash back on groceries and preauthorized payments for up to $3500 in purchases during the first three months. If you keep your account open and in good standing for the first 90 days, you won’t have to pay any annual fees during the first year.

Points never expire.

Minimum annual income to apply: $60,000 (personal) or $100,000 (household)

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD Cash Back Visa

Annual Fee: $0.00 †

Interest Rate: 19.99% on purchases and 22.99% cash advances. QC residents subject to different rates. †

Earn Rate: Up to 1% cash back †

†Conditions apply. Visit the TD website to read all of the terms and conditions.

The TD Cash Back Visa doesn’t use rewards points. Instead, it gives you cash back. How can you get cash back? It’s easy; cardholders can get:

  • Up to 1% cash back on eligible grocery, gas purchases, and recurring bill payments †
  • 0.5% back for all other purchases made on your card †

So how do you redeem your cash back? Once you accumulate $25, you can apply it to your account balance. †

Cash back doesn’t expire so long as your account remains active. †

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

Are there other perks?

Yes! The Visa SavingsEdge Program offers up to 25% off on business expenses, and includes:

  • Travel insurance ( varies from one card to another) †
  • Medical insurance with up to $2 million in coverage for the first 15 days (four days for cardholders and their partner ages 65 and up) †
  • Travel cancellation/Interruption insurance †
  • Common carrier accident insurance (bus, ferry, train, plane, etc.) †
  • Emergency travel assistance †
  • Assistance for late or lost baggage ($1000 maximum per insured person) †
  • Rental car insurance, the best rates from select rental car agencies †
  • Business TD Auto Club subscription that offers round-the-click roadside assistance in case of emergency (optional) †

Visa also has a zero liability policy for online shopping which protects you in case of unauthorized transactions, purchase insurance, and extended warranty protection, as well as instant alerts for fraud and other activity. †

Contactless payment options are available on Apple Pay or Samsung Play.

Now that you know more about TD bank credit cards, you can pick the best one for you! Happy shopping!

†Terms and conditions apply.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.