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The best TD credit cards in Canada for 2024

Natasha-M 1
Natasha Macmillan, Business Unit Director - Everyday Banking

March 22, 2024

Explore the best variety of TD credit cards, tailored to meet your unique needs. Compare, choose, and apply today for a card that matches your purchasing habits.

Compare Canada’s best TD credit cards

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The best TD credit cards in Canada for 2024

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

featured

Best for Aeroplan Points

First year reward
$1,077/yr

based on spending $2,200/mo after $139 annual fee

Earn rewards

1pt – 1.5pts / dollar earn rate

Welcome bonus

30,000 bonus points (a $600 value)

Anniversary bonus

20,000 pts (a $400 value)

Annual fee

$139

Best premium TD credit card

featured

First year reward
$601/yr

based on spending $2,200/mo after $599 annual fee

Earn rewards

1.25pts – 2pts / dollar earn rate

Welcome bonus

60,000 bonus points (a $1,200 value)

Anniversary bonus

25,000 pts (a $500 value)

Annual fee

$599

Best TD credit card for travel

featured

Best for Travel

First year reward
$972/yr

based on spending $2,200/mo after $139 annual fee

Earn rewards

2pts – 8pts / dollar earn rate

Welcome bonus

100,000 bonus points (a $500 value)

Annual fee

$139 $0 first year waived

Best no-fee TD credit card

featured

Best for Travel

First year reward
$205/yr

based on spending $2,200/mo after $0 annual fee

Earn rewards

1pt – 4pts / dollar earn rate

Welcome bonus

15,152 bonus points (a $50 value)

Annual fee

$0

Best cash back TD credit card

featured

Best for Household spending

First year reward
$1,255/yr

based on spending $2,200/mo after $139 annual fee

Earn rewards

1% – 3% earn rate

Welcome bonus

$500

Annual fee

$139 $0 first year waived

Cards summary (+/-)

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.

FAQ

How much is a TD Rewards point worth?


How much is an Aeroplan point worth?


Natasha Macmillan, Business Director of Everyday Banking

With over a decade of experience in the finance industry, Natasha works closely with Canada's top financial institutions - from banks to credit unions - to help Ratehub.ca's 1,200,000 monthly users get matched with the right banking products. read full bio

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