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Compare Canada's best TD credit cards

The best rewards cards for
  • all reward types
  • cash back
  • store credit
  • travel
  • any annual fee
  • no annual fee
CardBest used forAnnual feeRewards
Food & transit


  • 5 pts/$1 for gas, groceries, restaurants
  • 1 pts/$1 for other

Purchase interest: 20.99%  |  Cash advance: 23.99%  |  Balance transfer: 23.99%

Aeroplan Points


  • 1.5 pts/$1 for eligible, gas, groceries and Air Canada® purchases†
  • 1 pts/$1 for other

Purchase interest: 19.99%  |  Cash advance: 22.99%  |  Balance transfer: 22.99%



  • 9 pts/$1 for travel booked online through Expedia For TD†
  • 3 pts/$1 for all other net purchases

Purchase interest: 19.99%  |  Cash advance: 22.99%  |  Balance transfer: 22.99%

Household spending


  • 10% all Purchases for the first 3 months†
  • 3% Recurring bill payments†, gas, groceries
  • 1% other

Purchase interest: 20.99%  |  Cash advance: 22.99%  |  Balance transfer: 22.99%

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The best TD credit cards in Canada for 2022

One of Canada’s big five banks, and the tenth-largest in North America, TD has some of the most popular credit cards on the market.

While the majority of TD’s credit cards are geared towards travel rewards, there is a TD credit card out there to meet almost every need including cash back and low interest. Below, let's take a look at the best TD credit cards in Canada.

Best overall TD credit card take

For frequent Aeroplan flyers who want a more straightforward, easy-to-use travel card, The TD® Aeroplan® Visa Infinite* Card allows you to book flights and accomodations directly through the ExpediaforTD online portal at a flat rate of $1 per 200 points, effectively giving you the same wealth of options you would receive on Expedia's own website.

The TD® Aeroplan® Visa Infinite* Card is an official co-branded credit card of Aeroplan and comes with a generous welcome bonus that includes a first-year annual fee rebate, 10,000 bonus points (after your first purchase) plus 20,000 points after spending $1,500 within your first 90 days. Plus, you can also earn an additional 20,000 Aeroplan points for spending $7,500 on the card within 12 months of the account opening. Offer ends January 3, 2023. 

As an airline-affiliated card, it also offers unique travel benefits including first free checked bags on Air Canada flights for you and up to eight travel companions and preferred pricing (book flights on Air Canada using fewer points than normally required). 

In terms of rewards on your everyday spending, this card will earn you 1.5 Aeroplan miles for every dollar spent on grocery, gas, and Air Canada purchases and one mile per dollar on everything else. Aeroplan points can be redeemed on Air Canada or on over two dozen Star Alliance partner airlines. Between Aeroplan's dynamic rewards chart, unique stopover policy, and favourable business class redemption rates, there are plenty of ways to maximize your points values for travel.

The card also comes with comprehensive travel insurance packages that include: up to $1,000,000 in emergency medical out-of-province insurance; $1,500 in trip cancellation/trip interruption coverage per insured person; and up to $1,000 in baggage coverage for delays of six hours or more. Plus, if you enroll in NEXUS, you’ll get an application fee rebate every 48 months, plus discounts at Avis and Budget Rent-A-Car locations in Canada.

The TD® Aeroplan Visa Infinite also offers perks including mobile device insurance, hotel/motel burglary insurance, and as covered above, free first checked bags on Air Canada flights.



  • Welcome bonus: earn up to 50,000 points and get a first-year annual fee rebate (offer ends January 3, 2023)
  • Earn 1.5 Aeroplan points per dollar on grocery, gas, and Air Canada purchases
  • Redeem points on either Air Canada flights or over 24 Star Alliance partner airlines
  • Thorough travel insurance suite including emergency medical, trip cancellation/interruption, and more
  • Free first checked bags on Air Canada flights
  • NEXUS application fee rebate every 48 months


  • $139 annual fee is a little high when compared to similar travel cards
  • $60,000 minimum income requirement could pose a barrier to some users
  • No airport lounge access

Best premium TD credit card take

For those in search of a premium, high-performing card perfect for travel, the TD Aeroplan Infinite Privilege should be on the radar.

First off, there’s the incredibly lucrative welcome offer: new users who apply online by January 3, 2023 can earn up to 105,000 bonus points. Here’s how it breaks down:

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card
  • Earn an additional 30,000 Aeroplan points when you spend $3,000 within the first 90 days of account opening
  • Plus, earn an additional 55,000 Aeroplan points when you spend $12,000 within the first 12 months of account opening

Once the promotional period ends, you’ll still receive a respectable two points per dollar on all purchases direct through Air Canada (including Air Canada Vacations), 1.5 points on eligible gas, grocery, travel, and dining, plus 1.25 points on everything else. That means that even if you decide not to book your travel through Air Canada, you’ll still earn bonus points (albeit slightly less). And, as with all Aeroplan co-branded credit cards, you can earn twice the points by using your Aeroplan membership card in tandem with the Aeroplan Visa Infinite Privilege at any participating retailer. 

But the real draw of this card is in its wide array of travel perks: wait for your flight in comfort with free access to Air Canada’s Maple Leaf Lounges at any airport in Canada or the United States, enjoy priority airport check-in and baggage handling (plus other airport upgrades), and reach Aeroplan Elite Status much quicker by earning 1,000 status qualifying miles and one status qualifying segment for every $5,000 spent on the card. Those who sign up for NEXUS can also get an annual fee rebate every 48 months (up to $100 CAD), and Uber users can enjoy a complimentary Uber Pass for 12 months if they sign up by January 3, 2023.

And, because no premium travel card would be complete without it, you’ll also get an extensive suite of travel insurance coverage ranging from travel medical to trip cancellation/interruption.

While the card’s hefty $599 annual fee can be intimidating, the amount of perks and benefits offered make it well worth it for the right cardholder.



  • Welcome bonus: earn up to 105,000 points (offer ends January 3, 2023)
  • Earn two points per dollar on direct Air Canada purchases; 1.5 points per dollar on gas, groceries, travel, and dining; 1.25 points per dollar on all other purchases
  • Incredible travel perks including Maple Leaf Lounge access, priority check-in, priority baggage handling, plus more
  • Extensive travel insurance package including travel medical and trip cancellation/interruption
  • NEXUS annual fee rebate every 48 months (up to $100 CAD)
  • Free Uber Pass membership for 12 months (offer ends September 7, 2022)


  • Steep annual fee of $599 can be too pricey for some users
  • Mostly suited for loyal Air Canada customers - those who fly other airlines or want more flexibility may want to look elsewhere

Best TD credit card for travel take

The TD First Class Travel Visa Infinite is aimed at people whose airline of choice is Air Canada as well as savvy points collectors who know their way around a rewards chart. The card’s earn rate is nine TD Rewards points for every dollar spent on travel via the ExpediaforTD website, and three points per dollar on all other purchases. Since one TD Rewards point equals $0.005, that translates to an impressive 4.5% return per dollar on travel spending and 1.5% on everything else.

As far as sign-up bonuses go, the TD First Class Travel Visa Infinite’s offer is hard to beat. New applicants who are approved by October 29, 2022 can get up to 100,000 TD bonus points ($500 travel value) - 20,000 bonus points after making your first purchase and another 80,000 bonus points provided $1,500 is spent on the card within the first 90 days. Plus, primary and secondary cardholders won’t have to pay the card’s $120 annual fee for the first year (a value of up to $170).

Better yet, these points can be redeemed for flights on almost any airline of your choice as well as any of the hotel providers or vacation packages available on, which offers the same inventory of travel options as

Along with its flexible airline options, another big perk of the First Class Travel Visa Infinite is its redemption system. You can redeem points in flat increments starting from just 200 points for $1, so you won’t have to wait to accrue several thousand points before you can actually start using them. You can also book your travel plans using a mix of credit and points.

This card comes with a comprehensive travel insurance package, including (but not limited to) travel medical insurance (up to $1 million for the first 21 days), trip cancellation/interruption insurance (up to $1500 per person), common carrier insurance (up to $500,000), and delayed/lost baggage insurance (up to $1000 per person). Users can also enjoy a Priority Pass membership discount to access 1200 VIP airport lounges worldwide.



  • Welcome bonus: earn up to 100,000 points ($500 travel value) and first year no annual fee. Must apply by October 29, 2022.
  • Earn 9 TD Points per $1 on travel through ExpediaforTD
  • Earn 3 TD Points per $1 on everything else
  • Points can be redeemed on virtually any airline or hotel of your choice through
  • Redeem points in increments as low as 200 (one dollar)
  • Extensive travel package including emergency medical, trip cancellation/interruption, plus more


  • Minimum personal income of $60,00 may be prohibitive to some users
  • Other cards of this level offer higher point value for categories like dining, entertainment, etc.
  • No complimentary airport lounge access (but there is a 20% discount off Priority Pass membership)
  • No waived foreign transaction fees - users who intend to use the card for shopping abroad may want to consider this

Best no-fee TD credit card take

Understandably, some people don’t like paying an annual fee for their credit card. If you still want to earn travel points, then the TD Rewards Visa could be a good fit. It’ll give you a decent earnings rate for a no fee card and you’ll get access to the ExpediaforTD online portal, where you can use one of the world’s largest travel platforms to earn and redeem points on hundreds of airlines.

The earn rate is three TD Rewards points for every dollar spent on ExpediaforTD, two points per dollar on groceries, restaurant, fast food purchases, and recurring bill payments; and one point per dollar on all other purchases. Since one TD point is valued at $0.005, that works out to 1.5%, 1% and 0.5% return per dollar respectively for each of the aforementioned spending categories.

You’ll get $50 value in TD Rewards points as a welcome bonus just for keeping your account open, active and in good standing for 90 days after getting your card. Plus, you'll get a 9.99% promotional interest rate on purchases for the first 6 months with no annual fee (must apply by October 29, 2022). Three TD points per dollar (1.5% return) is also one of the strongest earn rates on travel spending for a no fee card. Access to ExpediaforTD is also a huge benefit, as you can redeem points flexibly from almost any airline without having to worry about seat restrictions or black-out dates. 

Cardholders get a discount on Priority Pass memberships, which gives you access to airport lounges, discounts at Avis and Budget Rent-A-Car locations, extended warranty, and purchase security. Plus, you can also redeem your TD rewards points for purchases on for Amazon Shop with Points.



  • No annual fee
  • Welcome bonus: earn a $50 value in TD Rewards Points to use at with Shop with Points. Plus, get a 9.99% promotional interest rate on purchases for the first six months with no annual fee. Must apply by October 29, 2022           
  • Earn 3 TD Points per $1 on travel through ExpediaforTD - one of the strongest earn rates available right now for a no-fee card
  • Earn 2 TD Points per $1 on groceries, restaurants, fast-food purchases and bill payments
  • Access to for travel booking - no blackout dates or seat restrictions
  • Discount on Priority Pass membership
  • Redeem points on using Shop with Points


  • Low spending cap on groceries, restaurants, fast food and recurring bills - once $5,000 is spent annually, point value goes down to one point per dollar

Best cash back TD credit card take

The TD Cash Back Visa Infinite Card is one of the best cash back credit cards in Canada due in large part to its welcome offer, which gives new users the opportunity to earn 10% cash back on all purchases for the first 3 months up to a total spend of $2,000. Plus, first year no annual fee for the primary and additional cardholders. Must apply online by May 28, 2023.

Even when the three-month welcome offer ends, the TD Cash Back Visa Infinite delivers a strong return of 3% on gas, grocery, and recurring bills and 1% on all other purchases. That’s a compelling earn rate, particularly for families or those who spend big at the pump and on restocking the fridge. Plus, unlike some other cash back credit cards, with the TD Cash Back Visa Infinite, you can claim your cash back to pay down your balance whenever you want (minimum redemption of $25).

Thanks to the card’s included TD Auto Club Membership, you’ll also be covered during roadside emergencies such as in the case of a dead battery or tire change. That means you can ditch the CAA Membership and avoid paying the $100 or so in annual fees it costs to maintain it.

As mentioned, you get a Deluxe TD Auto Club Membership by being a TD Cash Back Visa Infinite cardholder, which helps to offset the $120 annual fee that comes with the card. You also get comprehensive travel insurance, discounts at Avis and Budget Rent-A-Car locations, as well as purchase security and extended warranty protection.



  • Welcome bonus: earn 10% cash back on all purchases for the first three months (offer ends May 28, 2023) and no annual fee for the first year
  • Get 3% cash back on gas, groceries and recurring bills
  • Complimentary roadside assistance through Deluxe TD Auto Club membership
  • Travel medical and delayed/lost baggage insurance - uncommon for non-travel cards


  • $15,000 yearly spending cap for gas, groceries and recurring bills - after which the rate drops to 1%. Big spenders in these categories may want to consider partnering this card with one that offers non-capped rates
  • $60,000 minimum yearly income requirement may pose a hurdle for some users

Cards summary (+/-)

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TD All-Inclusive Banking Plan

What makes TD credit cards particularly appealing is that TD will waive the annual fee on many of its premium cards if you also have a TD All-Inclusive Banking Plan. The caveat is that you’ll need to maintain $5,000 in your chequing account at all times to avoid the monthly account fee, but if that’s within your financial means, you could essentially have both a premium card and bank account for free. Even without an All-Inclusive account and when paying an annual fee however, TD cards do deliver great value.

TD Mobile Payment

For TD EasyWeb customers with an Android device, TD Mobile Payment can make daily purchases easier and more efficient.

At the counter, simply open the TD app on your phone, select which credit card you want to use (or set one card as a default) and hold it over the point of sale terminal for a few seconds to complete the transaction. It's a much quicker way to pay without having to worry about keeping track of physical cards in your wallet.

More on TD Bank

The Toronto-Dominion Bank is the second largest bank in Canada as measured by assets and market capitalization, and is the sixth largest bank in North America. In 1955, two banks (Bank of Toronto and Dominion Bank) merged to become Toronto-Dominion Bank – more commonly known today as TD Bank. TD Bank employs approximately 85,000 employees who serve over 22 million clients worldwide. In Canada, TD Bank serves 11 million customers at over 1,150 branches.


How much is a TD Rewards point worth?

How much is an Aeroplan point worth?

Natasha Macmillan, Senior Business Manager of Everyday Banking

Natasha is the Business Director of Everyday Banking at With over a decade of business, strategy and execution experience in the financial services industry, Natasha has worked with numerous public and private enterprises across North America. Her passion for finance and education brought her to, where she works closely with Canada’s top financial institutions - from banks to credit unions - to help ensure our over 1,200,000 monthly users get matched with the right credit cards and personal financing accounts.

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