Best TD credit cards in Canada

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The TD® Aeroplan® Visa Infinite Privilege* Card is one of the best travel credit cards out there, and it’s also your ticket to a lavish journey with an incredible earn rate on Aeroplan® points. While the “privilege” cards bring a host of luxury travel perks, its annual fee is $599, making it on the high end of travel credit cards. If you’re a jet-setter who fancies the finer aspects of travel, this fee is but a small fare to a realm of upscale travel benefits (think Airport lounge access, priority check-ins) and substantial insurance coverage. The TD® Aeroplan® Visa Infinite Privilege* Card is also crafted in metal.

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 spent on eligible gas, grocery, travel and dining purchases

Earn 1.25 points† for every $1 spent on all other purchases made with your Card

If you want your TD credit card to earn cash back for you at a sky-high rate, the TD Cash Back Visa Infinite* Card is your best choice. You’ll get a regular cashback rate of 3% on regularly recurring bill payments and eligible gas and grocery transactions^†, and 1% on all other qualifying transactions^†.

The TD Cash Back Visa Infinite* Card is also a great cash back credit card option because of its lucrative introductory promotion. Earn up to $500 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. Account must be approved by January 6, 2025..

No matter when you become a TD Cash Back Visa Infinite* Card member, you’ll always get access to free roadside assistance, through membership in the Deluxe TD Auto Club†, and travel perks that include travel medical insurance^†, mobile device insurance^†, auto rental loss or collision coverage^† and baggage insurance^†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

Learn more by reading our complete TD Cash Back Visa Infinite* Card review.

The TD Rewards Visa* Card is a $0 annual fee travel credit card that’s easy to qualify for.

Earn TD Rewards Points on all the things you normally do, whether you use your card for groceries, dining or paying bills. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

Your card also allows you to enjoy:

• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.

• Mobile device insurance of up to $1,000 if you lose or damage your phone.

• Booking your travel through Expedia® For TD† to maximize the TD Rewards Points you can earn on your travel purchases

• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.

• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Earn 4 TD Rewards Points for every $1 you spend on travel through ExpediaForTD.com†; 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 recurring bills†; and Earn 1 TD Rewards Point for every $1 you spend on all other purchases†. There’s an annual spending cap that applies to the accelerated earn rates that revert you to the base earn rate until the next annual cycle begins^†.

Other travel-related perks for TD Rewards Visa* Card members include a 5%-10% discount on Budget and Avis car rental worldwide†. Extended warranty and purchase protection^†, mobile device insurance^† and TD Fraud Alerts^† are all part of the package too.

Click here to apply or learn more by reading our complete TD Rewards Visa* Card review.

Frequent travellers should check out the TD First Class Travel® Visa Infinite* Card. Cardholders get access to the TD Rewards booking system, which is backed by Expedia, one of the largest travel providers in the world. That means you can use your points on flights, hotels, car rentals, vacation packages, attraction tickets and more directly from Expedia for TD.

Using your points on travel booked outside of Expedia for TD is also possible, but you’ll get a lower value for your points.

The travel benefits with TD’s flagship travel card are impressive. Every year, you get a $100 travel creditEarn an annual Birthday Bonus† of up to 10,000 TD Rewards Points^† on your first purchase of $500 or more with Expedia for TD. You also get comprehensive travel insurance that covers medical, trip delay, trip cancellation, lost baggage, auto rental collision/loss damage and more.

†To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.

Read more:TD First Class Travel® Visa Infinite* card review

TD only issues Visa cards, including: Cash back, travel, Aeroplan, low interest, student, U.S. dollar, no annual fee and business.

You can use one of the following methods to apply for a TD credit card: Online, in person at a TD branch, over the phone.

The value of one TD Reward point depends on what you’re redeeming for. Expedia for TD: .50 cents per points. Other travel charged to your TD Rewards card: .40 - .50 cents per point. Gift cards: .25 cents per point. Statement credit: .25 cents per point. Merchandise: .15 to .30 cents per point.

Redeeming your points on Expedia for TD gives you the best value. While using your points on merchandise or gift cards may be tempting, you’d be reducing the value of your points by up to 50%.

To determine the best card for you, consider if you want to benefit from travel rewards or if you’d prefer to keep more money in your pocket, in which case a low or no fee card or a cash back card is the best option for you and your specific needs.

The TD credit cards contact is 1-800-983-8472. If your TD Credit Card is lost or stolen, please contact TD Credit Cards Customer Service at that number and a representative will assist you.

Yes - the TD Connect Card can be used for purchases anywhere Visa is accepted, including online. Additionally, you can enjoy free access to thousands of TD ATMs across the US and Canada.