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The best TD credit cards in Canada

Looking for TD credit cards? Why not compare your options? In under 2 minutes, we’ll narrow down your best card matches from multiple banks.

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

Aeroplan Points


  • 1.5 pts/$1 for eligible, gas, groceries and Air Canada purchases.
  • 1 pts/$1 for everything else

Household spending


  • 6% all Purchases for the first 3 months†
  • 3% bills, gas, groceries
  • 1% other



  • 9 pts/$1 for when you book travel online through Expedia® For TD
  • 3 pts/$1 for other


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TD Bank credit cards overview

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.

With a portfolio of ten personal credit cards (all issued by Visa), the majority of TD’s credit cards are geared towards travel rewards. That said, there is a TD credit card out there to meet almost every need including cash back and low interest.

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.

Best TD credit card for cash back

TD Cash Back Visa Infinite

  • Annual fee: $120
  • Get 3% cash back on gas, groceries and recurring bills
  • Earn 1% cash back on all other purchases
  • Complimentary roadside assistance and travel insurance benefits

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 will earn you 6% on all everyday purchases for your first three months (up to $200; offer ends December 5, 2021). This offer is not available for residents of Quebec. For Quebec residents, please click here.

Why we like it: 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.

Additional perks: 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.


Best TD credit cards for travel rewards

Both the TD First Class Travel Visa Infinite and TD Aeroplan Visa Infinite are widely considered as some of the best travel credit cards in Canada.

While the TD Aeroplan 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 TD First Class Travel Visa Infinite is more flexible and straightforward as it lets you book travel on the ExpediaforTD online portal (which has the same airline and hotel options as in flat increments of 200 points for $1.

TD First Class Travel Visa Infinite Card

  • Annual fee: $120 (rebated for the first year)
  • Earn 9 TD Points per $1 on travel through ExpediaforTD
  • Earn 3 TD Points per $1 on everything else

Why we like it: 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 December 5, 2021 won’t have to pay the card’s $120 annual fee for one year and 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 $1,000 is spent on the card within the first 90 days. This offer is not available for residents of Quebec. For Quebec residents, please click here.

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.

The card’s earn rate is 9 TD Rewards points for every dollar spent on travel via the ExpediaforTD website, and 3 points per dollar on all other purchases. Since 1 TD Rewards point equals to $0.005, that translates to an impressive 4.5% return per dollar on travel spending and 1.5% on everything else.

TD Aeroplan Visa Infinite Card

  • Annual fee: $139 (rebated for the first year)
  • Earn 1.5 points per dollar spent on gas, groceries, and Air Canada. purchases
  • Earn 1 point per dollar spent on everything else

Why we like it: The TD Aeroplan Visa Infinite 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 another 15,000 points and a bonus Buddy Pass (after spending $1,000 within your first 90 days). The bonus Buddy Pass effectively acts a companion ticket and lets you book a round-trip economy flight on Air Canada to anywhere in North America and score a second complimentary ticket on the same booking without paying the base fare (you'll just owe taxes and fees). Offer ends December 5, 2021. This offer is not available for residents of Quebec. For Quebec residents, please click here.

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 1 mile per dollar on everything else. Aeroplan points can be redeemed on Air Canada of 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.

Additional perks: Both the aforementioned TD travel credit cards come 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. You also get discounts at Avis and Budget Rent-A-Car locations in Canada with both cards. 

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


Best (no fee) TD cash back card

TD Cash Back Visa

  • Annual fee: $0
  • Earn 1% cash back on groceries, gas, and recurring bill payments
  • Earn 0.5% cash back on everything else

For those who prefer a cash back card with no fee, then the TD Cash Back Visa Card could be your answer. It’s a basic cash back card that offers 1% on gas, groceries and recurring bill payments and 0.5% on everything else. While it does come with limited additional benefits, that's not uncommon for a no fee card. Plus, you won't have to worry about your rewards as your cash back will never expire as long as your account is open and in good standing.

Why we like it: While the TD Cash Back Visa card’s earn rate isn’t the most impressive, it charges no annual fee and has no minimum income requirement. That means it’s easily in reach of students or those who are looking to build their credit history and earn some rewards on the side. This card also lets you claim your cash back whenever you want ($25 redemption minimum), which is a stand-out feature considering that most other cash back cards only let you cash out your rewards once a year.

Additional perks: When renting a car with Avis or Budget in Canada and the US, you’ll get a minimum of 10% off base rates and 5% off base rates for international rentals. The included purchase security covers eligible purchases for 90 days from theft and damage while the extended warranty protection doubles the manufacturer's warranty up to an additional year.


Best (no fee) TD travel card

TD Rewards Visa Card

  • Annual fee: $0
  • Earn 3 TD Points per $1 on travel through ExpediaforTD
  • Earn 2 TD Points per $1 on gas, groceries and bills
  • Earn 1 TD Point per $1 on everything else

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 3 TD Rewards points for every dollar spent on ExpediaforTD, 2 points per dollar on groceries, restaurant, fast food purchases, and recurring bill payments; and 1 point per dollar on all other purchases. Since 1 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.

Why we like it: You’ll get 10,000 TD Rewards points ($50 travel value) as a welcome bonus just for keeping your account open, active and in good standing for 90 days after getting your card. 3 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. Must apply by December 5, 2021. This offer is not available for residents of Quebec. For Quebec residents, please click here.

Additional perks: 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.


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.


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.

Cards summary (+/-)

Mikael Castaldo, Senior Business Manager of Everyday Banking

Mikael is a Senior Business Manager at and the driving force behind our Everyday Banking Team. He knows everything there is to know about the best credit cards and bank accounts, and 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 plastic. A numbers guy at heart, having worked as a strategy consultant at the Boston Consulting Group, he’s found himself right at home as a personal finance expert at

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