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Best TD Credit Cards in Canada for November 2025
Published Nov 20, 2025 2:38 PM • 5 min read
Fact Checked
Written By
Lead Writer
Edited By
Credit Card ExpertIn this blog post, we’ve put together a list of the best TD credit cards across multiple categories. These categories include the best TD credit cards for travel, the best TD credit cards for cashback, and the best TD credit cards for no annual fee.
Data-driven rankings of 120+ credit cards using a proprietary algorithm
Comprehensive analysis using 25+ data points including terms and conditions, points programs, and more
Objective editorial approach - we strive for unbiased reviews following our editorial guidelines
FinlyWealth's credit cards content, including rankings and recommendations, is overseen by a team of engineers and writers who specialize in credit cards, banking, and personal finance. Our work has been featured in The Globe and Mail, GoBankingRates, and AOL. Our proprietary analysis systems evaluate product features, terms, and conditions to deliver comprehensive reviews and comparisons while maintaining strict editorial standards for accuracy and integrity.
TD First Class Travel® Visa Infinite* Card: Best Overall
TD Aeroplan® Visa Infinite* Card: Best Aeroplan
TD® Aeroplan® Visa Infinite Privilege* Credit Card: Best Premium Travel
TD Cash Back Visa Infinite* Card: Best Cashback
TD® Aeroplan® Visa Platinum* Card: Best Low-Fee Aeroplan
TD Platinum Travel Visa* Card: Best Low-Fee Travel
TD Rewards Visa* Card: Best No Annual Fee
TD Cash Back Visa* Card: Best No-Fee Cashback
TD Low Rate Visa* Credit Card : Best Low-Interest
Best TD Credit Cards in Canada
Our choice for: Best Overall
APPLY NOW
on TD's website
Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
Rewards
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000
Flight Delay†
$500Baggage Delay†
$1,000
Lost or Stolen Baggage†
$1,000
Common Carrier Travel Accident Insurance†
$500,000.svg)
Car Rental Damage & Theft†
yes
Hotel Burglary Insurance†
$2,500
Purchase Protection†
90 days
Extended Warranty†
Up to 1 year
Mobile Device Insurance†
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits†
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Concierge Services†
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport Lounge - Dragon Pass†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best Aeroplan
APPLY NOW
on TD's website
Welcome Bonus
Up to $1,450 in value† including up to 45,000 Aeroplan points†
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee rebate, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Pros
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
Rewards
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
- Earn 1 point† for every $1 spent on all other Purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yesHotel Burglary Insurance†
$2,500Purchase Protection†
90 daysExtended Warranty†
1 yearMobile Device Insurance†
$1,000
Benefits
Details
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Free first checked bag†
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
Nexus Program Rebate†
$100 every 4 yearsVisa Infinite Exclusive Benefits†
Concierge Services†
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore.svg)
Status lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchasesCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance†
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best Premium Travel
APPLY NOW
on TD's website
Welcome Bonus
Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
Annual Fee
$599
Interest Rates
21.99% / 22.99%□
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Rewards
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Insurance
Coverage
Travel Medical Insurance†
$5M/insured up to 31 daysTravel Medical Insurance (65+)†
$5M/insured up to 4 daysTrip Cancellation†
$2.5K/person, $5K/tripTrip Interruption†
$5K/person, $25K/tripFlight Delay†
$1,000/person after 4 hoursBaggage Delay†
$1K/person after 4 hoursLost or Stolen Baggage†
$2.5K/personCommon Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
Up to 48 consecutive rental daysHotel Burglary Insurance†
$2500Purchase Protection†
120 daysExtended Warranty†
2 yearsMobile Device Insurance†
$1,500
Benefits
Details
Free first checked bag†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guestsNexus Program Rebate†
up to $100 every 4 yearsVisa Infinite Exclusive Benefits†
Concierge Services†
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreStatus lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A CarTrip and legal Assistance†
Extra points†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgradeStatus lift†
Complimentary upgrade to Avis® President's ClubStatus lift†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)Airport Lounge - Dragon Pass†
6 Free complimentary visitsAirport Lounge - Maple Leaf and AirCanada Cafes†
Unlimited Access for you and one guest
Companion Voucher†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Eligibility
Credit Score
GoodAnnual Income
$150,000 personal or $200,000 household
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best Cashback
APPLY NOW
on TD's website
Welcome Bonus
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
This is a great keeper card, especially for recurring bills and subscriptions. A main notable benefit is the roadside assistance, which is a great valuable perk to have.
Pros
- The roadside assistance benefit is quite nice.
- 3% cashback on recurring bills is a great way to save on subscriptions
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
Rewards
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
- Earn 1% in Cash Back Dollars on all other Purchases
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
Insurance
Coverage
Travel Medical Insurance†
$2M, 10 daysTravel Medical Insurance (65+)†
$2M, 4 daysLost or Stolen Baggage†
$1000Baggage Delay†
$1000Car Rental Damage & Theft†
IncludedMobile Device Insurance†
$1000Purchase Protection†
90 daysExtended Warranty†
1 year
Benefits
Details
Extra points†
Earn 50% more Stars at participating Starbucks storesConcierge Services†
Visa Infinite Exclusive Benefits†
Roadside Assistance†
Free Deluxe TD Auto Club membership (24 hour emergency Road services)Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best Low-Fee Aeroplan
APPLY NOW
on TD's website
Welcome Bonus
Up to $400 in value†, including up to 15,000 Aeroplan points†
Annual Fee
$89 $0
Interest Rates
21.99% / 22.99%□
The TD® Aeroplan® Visa Platinum* Card is a solid option for individuals who frequently fly with Air Canada and want a low-fee entry into the Aeroplan rewards program. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Pros
- Preferred Pricing on Aeroplan flight rewards.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
Rewards
- Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
- Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
Insurance
Coverage
Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yesPurchase Protection†
90 daysExtended Warranty†
Up to 1 year
Benefits
Details
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
*†Terms and conditions apply. Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best Low-Fee Travel
Welcome Bonus
Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions apply.
Annual Fee
$89 $0
Interest Rates
21.99% / 22.99%□
The TD Platinum Travel Visa* Card is a solid choice for individuals looking for travel rewards and flexibility without a high annual fee. Its first-year fee waiver, valuable welcome bonus, and comprehensive insurance package make it a strong contender in the travel card category. However, the lower point value and lack of trip cancellation insurance may be a drawback for frequent travelers.
Pros
- 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
- Annual fee rebate for the first year, providing savings during the first year of card ownership.
- No minimum income requirement, making it accessible for a wide range of applicants.
- Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.
Cons
- TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
- Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
- No trip cancellation insurance included, which may be a drawback for frequent travelers.
Rewards
- Earn 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
- Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
Insurance
Coverage
Flight Delay†
$500Baggage Delay†
$1,000Lost or Stolen Baggage†
$1,000Common Carrier Travel Accident Insurance†
$500,000Car Rental Damage & Theft†
yesHotel Burglary Insurance†
$2,500Purchase Protection†
90 daysExtended Warranty†
Up to 1 yearMobile Device Insurance†
$1,000
Benefits
Details
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best No Annual Fee
APPLY NOW
on TD's website
Welcome Bonus
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†)
Annual Fee
$0
Interest Rates
21.99% / 22.99%□
The TD Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
Pros
- No annual fee, making it easy to maintain.
- Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
- Mobile device insurance included, a rare feature for no-fee cards.
Cons
- TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
- Limited insurance coverage compared to premium cards.
Rewards
- Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†
- Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†
- Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
Insurance
Coverage
Purchase Protection†
90 daysExtended Warranty†
Up to 1 yearMobile Device Insurance†
$1,000
Benefits
Details
Extra points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best No-Fee Cashback
APPLY NOW
on TD's website
Welcome Bonus
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply.
Annual Fee
$0
Interest Rates
21.99% / 22.99%□
The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.
Pros
- No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
- 1% cash back on essential categories like gas, groceries, and recurring bills.
- Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
- Complimentary extended warranty and purchase protection insurance.
Cons
- Only 0.5% cash back on all other purchases, which is lower than some competitors.
- Limited insurance coverage compared to premium cash back cards.
Rewards
- Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†.
- Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
Insurance
Coverage
Purchase Protection†
90 daysExtended Warranty†
Up to 1 year
Benefits
Details
Extra points†
Earn 50% more Stars at participating Starbucks storesCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
FairAnnual Income
N/A
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Our choice for: Best Low-Interest
APPLY NOW
on TD's website
Welcome Bonus
0% promotional interest rate on Purchases for the first 6 months† from Account opening. Conditions Apply.
Rewards Rate
N/A
Annual Fee
$25
Interest Rates
12.90%□ / 12.90%□
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
- Lower annual interest rate compared to most cards
Cons
- No rewards
- Small annual fee
Rewards
Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
Insurance
Coverage
Purchase Protection†
90 daysExtended Warranty†
1 year
Benefits
Details
Extra points†
Earn 50% more Stars at participating Starbucks stores
Eligibility
Credit Score
FairAnnual Income
N/A
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
From our editors: the full list of Best TD Credit Cards in Canada
Best overall: TD First Class Travel Visa Infinite Card
The TD First Class Travel Visa Infinite Card, one of the best travel credit cards in Canada, earns cardholders competitive TD Rewards points per dollar spent on travel booked through Expedia for TD, groceries, dining, public transit, recurring bill payments, streaming, digital gaming, and media purchases. This lucrative rewards program is accompanied by impressive perks like an annual Expedia for TD travel credit, birthday bonus of extra TD Rewards points, and an airport lounge Dragon Pass membership with complimentary visits. The card also includes comprehensive travel insurance, like trip interruption, trip cancellation, and travel medical insurance.
Note that there are some annual income requirements to qualify for this card, but the annual fee is completely waived for the first year of membership. To learn more, check out our TD First Class Travel Visa Infinite Card Review.
Best for Aeroplan: TD Aeroplan Visa Infinite Card
Frequent Air Canada travellers should opt for the TD Aeroplan Visa Infinite Card, also known as one of the best Aeroplan credit cards in Canada. The point-potential on this card isn't too exciting, but the perks certainly are. Enjoy travel benefits like free first checked bags, a Nexus Program rebate, and an expedited chance at reaching Aeroplan Elite Status. The card also comes with extensive insurance coverage, everything from trip interruption and trip cancellation insurance to hotel burglary and car rental damage and theft insurance.
To incentivize applicants, members also receive a first-year annual fee rebate. Find out more in our TD Aeroplan Visa Infinite Card Review.
Best for Premium Travel: TD Aeroplan Visa Infinite Privilege Card
For a much higher annual fee, cardholders can also get their hands on the TD Aeroplan Visa Infinite Privilege Card. This contender earns you decent TD Rewards points per dollar spent on Air Canada purchases, plus points on gas, electric vehicle charging, groceries, travel, transit, and dining. You can also pocket bonus TD Rewards points at partner brands and select online retailers. The best part about this card, however, is the benefits. Luxury travellers can take advantage of free first checked bags, an annual companion pass, priority travel perks, and airport lounge access to both Dragon Pass and Maple Leaf airport lounges. This card is also one of the best perks competitors with comprehensive coverage. Read more: best perks credit cards in Canada.
Alongside a high annual fee, the TD Aeroplan Visa Infinite Privilege Card also comes with high annual income requirements. Get the full details in our TD Aeroplan Visa Infinite Privilege Card Review.
Best for Cashback: TD Cashback Visa Infinite Card
Perhaps you prefer cashback over points. In that case, consider the TD Cashback Visa Infinite Card, one of the best recurring transaction credit cards in Canada. This card earns you solid cashback on groceries, gas, electric vehicle charging, transit, recurring bill payments, streaming, digital gaming, and media purchases. Benefits include extra Stars at participating Starbucks stores, car rental discounts, concierge services, and rare roadside assistance, landing it a spot in our best roadside assistance credit cards in Canada article.
To qualify for this contender, you'll need to meet some high annual income requirements, but luckily the annual fee is waived for the first year of membership. Read the full breakdown in our TD Cash Back Visa Infinite Card Review.
Best for Low-Fee Aeroplan: TD Aeroplan Visa Platinum Card
Maybe you want a TD Aeroplan credit card without the high price tag. If so, go for the TD Aeroplan Visa Platinum Card. Not only is the annual fee much lower compared to other TD Aeroplan cards, it's also waived during the first year of membership. The point potential on this contender isn't particularly high, but it still earns you decent TD Rewards points per dollar spent on eligible gas, groceries, and Air Canada purchases, plus twice the points on partner brand purchases. The travel coverage is relatively basic, with protections like flight and baggage delay and travel accident insurance. Cardholders can also earn extra Stars and Aeroplan points at participating Starbucks stores, not to mention car rental discounts at Avis and Budget locations. Discover more in our TD Aeroplan Visa Platinum Card Review.
Best for Low-Fee Travel: TD Platinum Travel Visa Card
For a relatively low annual fee, one that's also waived during the first year of membership, cardholders can opt for the TD Platinum Travel Visa Card. This card earns you strong TD Rewards points per dollar spent on travel booked through Expedia for TD, grocery, restaurant, and recurring bill payments. The benefits are pretty basic, offering extra Stars and TD Reward points on purchases made at participating Starbucks stores, plus car rental discounts at Avis and Budget locations. Travellers are also somewhat protected with insurance categories like flight and baggage delay, hotel burglary, and lost or stolen baggage insurance. Read more in our TD Platinum Travel Visa Card Review.
Best for No Annual Fee: TD Rewards Visa Card
If you want to avoid annual fees altogether whilst collecting some TD Rewards points, apply for the TD Rewards Visa Card. This card earns you solid TD Rewards points on travel booked through Expedia for TD, grocery, restaurant, and recurring bill payments. The coverage on this card is relatively standard, but it includes valuable mobile device insurance. For benefits, expect extra Stars and TD Rewards points at participating Starbucks stores, plus car rental discounts at Avis and Budget locations. For more information, read our TD Rewards Visa Card Review.
Best for No-Fee Cashback: TD Cash Back Visa Card
To avoid annual fees and points, consider the TD Cash Back Visa Card instead. The cashback rates on this card aren't very high, but they still give you some return on your grocery, gas, electric vehicle charging, transit, recurring bill, streaming, digital gaming, and media purchases. The coverage is standard, offering only purchase protection and extended warranty insurance. For perks, you'll receive extra Stars at participating Starbucks stores and car rental discounts at Avis and Budget locations. See more in our TD Cash Back Visa Card Review.
Best for Low-Interest: TD Low Rate Visa
The TD Low Rate Visa is a good choice for those who tend to carry a balance each month. The welcome bonus is certainly a plus, offering 0% interest for the first several months of membership. Standard coverage like extended warranty and purchase protection insurance is included, but you have to opt in to travel medical, trip interruption, and trip cancellation insurance. Benefits include extra Stars at participating Starbucks stores. Get the full rundown in our TD Low Rate Visa Card Review.
The Different Types of TD Credit Cards
There are several different types of TD credit cards, including:
- Travel credit cards: designed for Expedia or Aeroplan travel.
- Cashback credit cards: for redemption flexibility.
- General rewards credit cards: for everyday spending and high-value travel redemptions.
- No-fee credit cards: for the budget conscious.
- Low-interest credit cards: for those who carry a balance.
With a variety of card-types in their catalogue, TD makes it easy for applicants to find a contender that matches their unique spending habits.
How TD Credit Cards Work
All TD credit cards come from the Visa network, meaning their widely-accepted across the globe. You can pay off your credit card balance or redeem your TD Rewards points through online banking, by phone, or on TD's mobile app.
To learn more about how you can redeem your TD Rewards or Aeroplan points, check out our TD credit card points value calculator.
Cash Back Dollars can be redeemed either online at TDRewards.com and EasyWeb, or by phone. You can redeem your Cash Back Dollars annually towards your account balance with no minimum requirement, or anytime you’d like when you have a minimum of $25. Select your preferred redemption method at TDRewards.com.
When to Choose a TD Credit Card
Here are some of the top reasons why you'd pick a TD credit card:
- You already bank with TD, making opening a credit card account convenient, keeping all of your finances in one place.
- You fly frequently with Air Canada and partner airlines, making Aeroplan point accumulation and perks a top priority.
- You constantly book travel through Expedia, making Expedia for TD a useful booking tool.
- You're a loyal Starbucks customer, so earning extra Starbucks Stars with your TD credit card is a major plus.
How to Apply for a TD Credit Card
To apply for a TD credit card, hit the "Apply Now" button below any of the featured cards above. Afterwards, you'll be redirected to TD's official website to kickstart the application process. Credit card applications typically ask for personal information (think your email address, birthday, and home address) and financial information (like your income, when applicable).
Frequently Asked Questions
The best TD credit card for you will depend on your spending habits. If you're constantly booking travel through Expedia, you might want to opt for one of the TD Rewards travel cards featured above. If you're a frequent Air Canada flyer, then an Aeroplan contender would suit you best. Alternatively, if you're a bit budget-conscious, you might want to apply for one of TD's no-fee contenders.
TD reward programs include:
- TD Rewards points (suitable for travel)
- Cashback (good for flexibility)
- Aeroplan (great for Air Canada flyers)
Expedia for TD is a partnership between the TD institution and the Expedia platform. This partnership provides eligible cardholders with the opportunity to redeem their TD Rewards points towards Expedia For TD travel at the highest redemption value.
Learn more in our Expedia for TD blog post.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
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Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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