Compare the Best TD Credit Cards
TD offers a broad lineup of credit cards, from Aeroplan travel rewards and flexible TD Rewards cards to straightforward cash back and low-rate options. With multiple programs and fee structures, choosing the right TD card can feel overwhelming.
We compare TD credit cards based on rewards value, fees, insurance coverage, and long-term performance so you can select the best fit for your spending habits and financial goals.
Table of content
Top TD Credit Cards in Canada: Quick Overview
| Category | First year value | Score | Winner | Card | Learn more |
|---|---|---|---|---|---|
| Best Overall | $672 | 4.6 | TD® Aeroplan® Visa Infinite* Card |  | |
| Best Aeroplan | $172 | 4.4 | TD® Aeroplan® Visa* Infinite Privilege* Card |  | |
| Best Travel Rewards | $534 | 4.3 | TD First Class Travel® Visa Infinite* Card |  | |
| Best Cash Back | $678 | 4.2 | TD Cash Back Visa Infinite* Card |  | |
| Best No-Fee | $176 | 3.8 | TD Rewards Visa* Card |  |
Best Overall TD Credit Card
When evaluating the best overall td credit card, we look for balanced rewards earning, reasonable annual fees, and broad appeal across different spending patterns.
The winner must deliver strong value for both frequent travelers and everyday spenders while maintaining accessible approval requirements.
Our methodology emphasizes cards that provide excellent first-year value through welcome bonuses and fee waivers, combined with sustainable long-term earning potential across common spending categories.
Winner: TD Aeroplan Visa Infinite Card
The TD Aeroplan Visa Infinite is the best all-around TD credit card for Canadians who want a balance of rewards, value, and travel perks.
It earns 1.5 Aeroplan points per dollar spent on Air Canada purchases (including Air Canada Vacations), gas, electric vehicle charging, and groceries, and 1 point per dollar spent on all other purchases.
The $139 annual fee is often rebated in the first year, and the welcome bonus of up to 45,000 Aeroplan points provides excellent first-year value.
Points can be redeemed through Aeroplan’s dynamic pricing system, offering strong value on Star Alliance flights and off-peak routes, while the card’s comprehensive insurance coverage includes out-of-province medical, trip cancellation, flight delay, baggage delay, and rental car protection.
Extra perks such as a NEXUS fee rebate and free first checked bag on Air Canada flights make it a practical option for frequent and occasional travelers alike.
TD® Aeroplan® Visa Infinite* Card
A well-rounded travel rewards card that delivers strong Aeroplan earning, valuable Air Canada perks, and dependable insurance coverage for frequent and occasional travelers alike.
Why it wins:
A reliable choice for Canadians who fly Air Canada a few times per year, combining elevated earn rates, valuable perks, and everyday utility.
Best for:
Travelers who want simple earning and meaningful Air Canada benefits without premium-tier fees.
Not ideal if:
You rarely fly Air Canada or need 0 percent foreign exchange.
Alternatives to compare:
- TD First Class Travel Visa Infinite: Flexible points and ExpediaForTD integration.
- TD Aeroplan Visa Infinite Privilege: Premium version with lounge access and elite perks.
TD® Aeroplan® Visa Infinite* Card – TD
Estimated rewards for the first year*
TD® Aeroplan® Visa Infinite* Card – TD
Estimated rewards for subsequent years*
Best TD Aeroplan Credit Card
TD’s partnership with Aeroplan creates compelling value for Air Canada travelers, offering three distinct cards targeting different spending levels and travel frequency.
Aeroplan credit cards appeal to Canadians who fly Air Canada regularly, value Star Alliance network access, or want to earn toward Air Canada vacations packages.
The aeroplan credit card category evaluation focuses on earning rates on Air Canada purchases, welcome bonus value, elite status benefits, and comprehensive travel insurance coverage that frequent flyers need.
Winner: TD Aeroplan Visa Infinite Privilege Card
The TD Aeroplan Visa Infinite Privilege is the top-tier option for Canadians who fly Air Canada frequently and want a premium experience.
It earns 2x Aeroplan points on Air Canada purchases, 1.5x on travel, dining, gas, and groceries, and 1.25x on all other spending.
The $599 annual fee is offset by a welcome bonus of up to 85,000 Aeroplan points, which can translate to roughly $1,700 in travel value when redeemed strategically.
Points can be used for premium cabin upgrades, partner flights, and Air Canada preferred pricing, offering exceptional redemption flexibility.
Cardholders enjoy unlimited Maple Leaf Lounge access, priority check-in and boarding, a NEXUS fee credit, and comprehensive travel insurance that covers emergency medical, trip cancellation, delay, baggage loss, and car rentals.
With these elite-level perks, frequent flyers can easily justify the cost through enhanced comfort and rewards value.
TD® Aeroplan® Visa* Infinite Privilege* Card
A premium Aeroplan card built for frequent Air Canada flyers who want top-tier earning rates, unlimited lounge access, and elite travel privileges.
Why it wins:
Premium Aeroplan earning rates, elite airport privileges, and unmatched travel insurance coverage make it ideal for loyal Air Canada travelers.
Best for:
Frequent Air Canada flyers who want lounge access, status benefits, and full travel protection.
Not ideal if:
You do not fly often enough to justify the annual fee or prefer a no-fee option.
Alternatives to compare:
- TD Aeroplan Visa Infinite: Lower annual fee with core travel perks for casual travelers.
- TD First Class Travel Visa Infinite: Flexible TD Rewards points for travelers who are not airline loyal.
TD® Aeroplan® Visa* Infinite Privilege* Card – TD
Estimated rewards for the first year*
TD® Aeroplan® Visa* Infinite Privilege* Card – TD
Estimated rewards for subsequent years*
Best TD Travel Rewards Credit Card
TD rewards points offer flexibility that Aeroplan points cannot match, allowing redemptions on any airline, hotel, or travel booking without blackout dates.
The TD rewards program appeals to travelers who value booking flexibility over elite status perks, or who don’t fly Air Canada frequently enough to maximize Aeroplan benefits.
TD’s travel rewards cards integrate with ExpediaForTD, providing enhanced earning rates and simplified booking management for Canadians who prefer flexible travel planning over airline loyalty programs.
Winner: TD First Class Travel Visa Infinite Card
The TD First Class Travel Visa Infinite is the best TD credit card for travelers who prioritize flexibility and value over airline loyalty.
It earns 8x TD Rewards points on ExpediaForTD bookings, 6x on dining, groceries, and public transit, 4x on recurring bill payments and streaming/digital gaming/media purchases, and 2x on all other purchases.
The $139 annual fee is frequently rebated in the first year, and the welcome bonus of up to 165,000 TD Rewards points includes 20,000 points after your first purchase and 145,000 additional points when you spend $7,500 within 180 days.
Points can be redeemed directly through ExpediaForTD for any airline, hotel, or vacation package, with no blackout dates or restrictions, and the system allows easy cancellations and changes.
Cardholders also benefit from a robust travel insurance suite that includes emergency medical, trip cancellation, delay, and baggage coverage, plus occasional lounge passes through the Visa Airport Companion Program.
TD First Class Travel® Visa Infinite* Card
A flexible travel rewards card offering high earn rates and seamless ExpediaForTD booking for Canadians who want simple, versatile redemptions without airline restrictions.
Why it wins:
Exceptional flexibility, high earning potential, and integrated Expedia booking make it one of the best choices for Canadians who want simple, versatile travel rewards.
Best for:
Travelers who want easy, flexible redemptions without committing to one airline.
Not ideal if:
You prefer premium airline programs or elite status benefits.
Alternatives to compare:
- TD Aeroplan Visa Infinite: Strong Air Canada perks and partner redemptions.
- TD Platinum Travel Visa: Lower annual fee with competitive earn rates for moderate spenders.
TD First Class Travel® Visa Infinite* Card – TD
Estimated rewards for the first year*
TD First Class Travel® Visa Infinite* Card – TD
Estimated rewards for subsequent years*
Best TD Cash Back Credit Card
Cash back credit cards eliminate the complexity of points programs, providing immediate value through statement credits that reduce your balance.
TD’s cash back options appeal to consumers who prefer simplicity over maximizing redemption value, or who primarily spend in categories where cash back rates exceed travel rewards earning potential.
The best td cash back cards offer competitive rates on essential spending categories like groceries and gas, while maintaining reasonable annual fees and providing useful insurance coverage for everyday purchases.
Winner: TD Cash Back Visa Infinite Card
The TD Cash Back Visa Infinite is the best TD credit card for Canadians who prefer simple, predictable rewards.
It earns 3% cash back on groceries, gas and EV charging, public transit, recurring bills, and streaming services, with 1% back on all other purchases.
The $139 annual fee is frequently rebated in the first year, and new cardholders can earn a 10% introductory cash back rate on eligible purchases for the first few months, up to a capped amount.
Cash back is redeemed as flexible statement credits without any annual payout schedule, allowing users to reduce their balance whenever they choose.
The card includes out-of-province medical insurance, Deluxe TD Auto Club membership, and Visa Infinite concierge access, adding practical value beyond rewards.
TD Cash Back Visa Infinite* Card
A high-earning cash back card that delivers 3% on everyday essentials plus flexible redemptions and strong insurance for households that prefer simple, predictable rewards.
Why it wins:
Straightforward high earn rates, first-year promotions, and strong insurance benefits make it ideal for households with consistent spending on everyday essentials.
Best for:
Families and individuals with regular spending across groceries, transit, and recurring bills.
Not ideal if:
You prefer travel points or need a card with no foreign transaction fees.
Alternatives to compare:
- TD Cash Back Mastercard (No Fee): Simpler option with lower base rates.
- TD First Class Travel Visa Infinite: Better suited for travelers seeking flexible point redemptions.
TD Cash Back Visa Infinite* Card – TD
Estimated rewards for the first year*
TD Cash Back Visa Infinite* Card – TD
Estimated rewards for subsequent years*
Best No-Fee TD Credit Card
No annual fee credit cards provide excellent value for budget-conscious consumers, students, or anyone building their credit history.
The best no-fee td credit cards offer meaningful rewards earning without the pressure of justifying an annual fee through spending and redemptions.
TD’s no-fee options focus on accessible approval criteria while still providing competitive earning rates on common spending categories and essential insurance coverage that paid cards typically offer.
Winner: TD Rewards Visa Card
The TD Rewards Visa Card is the best no-fee TD credit card for Canadians who want flexible travel rewards without the commitment of an annual fee.
It earns 4x TD Rewards points on ExpediaForTD bookings, 3x on groceries and dining, and a base rate on all other purchases.
The card’s $0 annual fee makes it ideal for budget-conscious users, and new applicants often receive a welcome bonus worth around 15,000 TD Rewards points, providing additional early value.
Points can be redeemed for travel through ExpediaForTD, where there are no blackout dates, or for statement credits at a slightly lower rate.
The card also includes purchase security and extended warranty protection, and some offers include mobile device insurance.
With accessible approval requirements, it’s a strong entry-level option for students, newcomers, or anyone looking to build credit while earning meaningful rewards.
TD Rewards Visa* Card
A flexible no-fee rewards card that offers solid earn rates, easy travel redemptions, and accessible approval for budget-minded users building credit.
Why it wins:
A no-fee structure combined with solid earn rates and flexible travel redemption makes it one of the best starter cards in Canada.
Best for:
Users building credit who want flexible rewards and no ongoing costs.
Not ideal if:
You need premium insurance coverage or frequent traveler perks.
Alternatives to compare:
- TD Cash Back Mastercard (No Fee): Simple flat-rate cash back for everyday spending.
- TD Platinum Travel Visa: Moderate annual fee with higher earn rates for those meeting Visa Infinite income levels.
TD Rewards Visa* Card – TD
Estimated rewards for the first year*
TD Rewards Visa* Card – TD
Estimated rewards for subsequent years*
TD Credit Cards by Type Comparison
Understanding TD’s credit card families helps you identify which category aligns with your spending patterns and reward preferences:
| Card Family | Best Card | Credit Score | Key Benefits |
|---|---|---|---|
| TD Aeroplan (3 cards) | TD Aeroplan Visa Infinite Privilege | Excellent | Air Canada perks, lounge access, elite status |
| TD Rewards Travel (2 cards) | TD First Class Travel Visa Infinite | Good-Excellent | Flexible booking, ExpediaForTD integration |
| TD Cash Back (2 cards) | TD Cash Back Visa Infinite | Good-Excellent | 3% on essentials, simple redemptions |
| TD Low Rate (1 card) | TD Low Rate Visa | Fair-Good | 12.90% APR, 0% intro offers |
TD Credit Cards Versus Other Canadian Banks
TD’s competitive position in the Canadian credit card market reflects its strengths in airline partnerships and travel rewards:
| Bank | Best Travel Card | Best Cash Back Card | Unique Advantages |
|---|---|---|---|
| TD | TD Aeroplan Visa Infinite Privilege | TD Cash Back Visa Infinite | Strong Aeroplan partnership, All-Inclusive Banking Plan integration |
| RBC | RBC Avion Visa Infinite Privilege | RBC Cash Back Mastercard | Premium concierge, flexible travel partners |
| Scotia | Scotia Passport Visa Infinite | Scotia Momentum Visa Infinite | No foreign transaction fees, high grocery rewards |
| BMO | BMO Ascend World Elite Mastercard | BMO CashBack Mastercard | DragonPass lounges, competitive welcome bonuses |
| CIBC | CIBC Aventura Visa Infinite Privilege | CIBC Dividend Visa Infinite | Costco partnership, strong insurance coverage |
Pros & Cons
Pros
- ✅ Strong Aeroplan partnership with Air Canada perks and preferred pricing.
- ✅ Flexible travel booking through ExpediaForTD with no blackout dates.
- ✅ Fee rebates available for All-Inclusive Banking Plan holders.
- ✅ Comprehensive insurance on select cards, including travel and mobile device coverage.
- ✅ Wide Visa acceptance for global and contactless payments.
Cons
- ❌ Limited cash back options compared to travel rewards cards.
- ❌ High annual fees on premium cards, up to $599.
- ❌ 2.5% foreign transaction fees on most cards.
- ❌ Few no-fee reward options versus competitors.
How to Apply for TD Credit Cards
Application Process
- Choose Your Card: Select the TD credit card that best fits your spending and reward goals.
- Gather Documents: Prepare your SIN, employment details, and proof of income.
- Apply Online: Complete the secure application on TD’s website for an instant decision.
- Set Up Your Account: Link your new card to your existing TD login or create a new profile.
Required Information
Applicants should be ready to provide:
- Social Insurance Number and valid Canadian ID
- Employment status and annual income
- Current address and contact information
- Details about existing debts and housing costs
Expected Timeline
Most applications receive an instant decision. Approved applicants typically receive their TD credit card within 7 to 10 business days.
Credit Score Requirements
TD generally requires fair credit (600+) for basic cards and excellent credit (740+) for premium Visa Infinite options.
What to Consider Before Choosing a TD Credit Card
Before choosing a TD credit card, take a moment to review key factors that can affect your approval, rewards potential, and overall value.
Evaluate your eligibility for TD All-Inclusive Banking Plan benefits and potential annual fee rebates.
Frequent Air Canada flyers benefit most from Aeroplan credit cards, while flexible travelers prefer TD rewards programs.
High grocery and gas spending favors cash back cards, while diverse travel spending suits rewards cards.
Consider first-year rebate opportunities and long-term value beyond promotional periods.
Ensure your credit score and income meet eligibility requirements for desired cards.
Evaluate coverage gaps and the value of included benefits like travel medical insurance and extended warranty protection.
Frequently Asked Questions about TD Credit Cards
-
What’s the difference between TD Aeroplan and TD Rewards cards?
Aeroplan cards earn points for Air Canada flights and Star Alliance partners, while TD rewards cards offer flexible redemption through ExpediaForTD for any travel booking.
-
How does the TD All-Inclusive Banking Plan affect credit card fees?
Qualifying banking plan customers may receive annual fee rebate on select td credit cards, reducing the effective cost of premium cards.
-
Can I get approved for a TD credit card without a TD bank account?
Yes, TD credit cards are available to all qualified applicants regardless of existing banking relationships, though current customers may receive preferential terms.
-
What credit score do I need for TD premium cards like infinite privilege?
Premium cards typically require excellent credit (740+) and higher income thresholds, while basic cards accept fair credit (600+) applicants.
-
How do TD credit card points compare to other Canadian bank programs?
TD rewards points offer fixed-value redemptions through ExpediaForTD, while aeroplan points provide variable value depending on redemption choices and route selection.
-
Do TD credit cards charge foreign transaction fees?
Most td credit cards carry 2.5% foreign transaction fees, though some promotional periods may waive these fees on specific cards.
-
What’s the best TD credit card for someone new to Canada?
The TD rewards visa card offers accessible approval criteria with meaningful rewards earning, making it ideal for newcomers building Canadian credit history.
Final Thoughts
TD offers one of the most versatile credit card lineups in Canada, with strong options for travel rewards, cash back, and low interest needs.
From flexible TD Rewards cards to premium Aeroplan options, TD combines solid insurance coverage, fee rebates, and dependable service.
Whether your goal is earning rewards or managing costs, TD credit cards deliver reliable value for a wide range of Canadians
Mathieu Laliberte-Robert
Mathieu is a finance and digital marketing professional with experience across banking, investment services, and financial product marketing. He previously worked with organizations such as National Bank, Manulife Securities, and Accenture. He is part of the leadership team at Hardbacon, where he contributes to editorial strategy and financial content aimed at helping Canadians make informed decisions.
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