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As one in every of Canada’s Large Six banks, TD affords a big selection of monetary providers, together with a powerful portfolio of greater than two dozen bank cards. We’ve damaged down our picks for one of the best TD bank cards in Canada, so that you simply’ve acquired the data to make the selection finest for you. Whether or not you’re searching for a bank card that’s excellent for low curiosity, money again (together with one with no annual price), versatile journey factors (suppose: Expedia), a co-branded journey card (that’s Aeroplan), we have now choices for you.
Greatest bank card for money again
For those who like money rewards, you’ll need to try the TD Money Again Visa Infinite. Its principal attracts: a powerful 3% return in three very fashionable spending classes, and complete roadside help perks.
MoneySense editor insights: The editorial crew loves the aggressive cash-back fee of three% on eligible grocery and gasoline purchases, in addition to recurring invoice funds arrange on the cardboard. The annual price would possibly really feel a bit steep for some Canadians, however the money rewards would possibly make up for it.
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TD Money Again Visa Infinite Card
Annual price: $139 (rebated first yr)
Welcome provide: Earn as much as $600 in worth, together with 10% money again on eligible purchases through the first three months (on as much as $3,500 in purchases). Situations apply.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private earnings of $60,000 or family earnings of $100,000 |
| Credit score rating | 680 or greater (beneficial) |
Greatest bank card for versatile journey factors
Because of the partnership between TD and Expedia, you may redeem TD factors you accumulate on the TD First Class Journey Visa Infinite for nearly something travel-related. That features motels, trip packages, and flights—at any airline, resort or journey supplier listed on one of many world’s largest journey comparability websites. That flexibility places this card on our greatest TD bank cards checklist.
MoneySense editor insights: Frequent travellers will love the pliability in redeeming journey rewards. You may’t get any higher with a TD bank card.
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TD First Class Journey Visa Infinite Card
Annual price: $139 (waived first yr)
Welcome provide: Earn as much as $1,000 in worth, together with as much as 135,000 TD Rewards factors and no annual price for the primary yr. Situations apply.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private earnings of $60,000 or family earnings of $100,000 |
| Credit score rating | 680 or greater (beneficial) |
| Anniversary bonus | Earn an annual birthday bonus of 10% of your earlier yr’s factors (as much as 10,000 factors). |
| Level worth | . |
Greatest for journey with Air Canada
The brand new TD Aeroplan Visa Infinite has rather a lot on provide for travellers, particularly those that want reserving with Air Canada.
MoneySense editor insights: For those who love the Aeroplan rewards program, this TD card is for you. And the journey insurance coverage is second to no different journey TD bank card.
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TD Aeroplan Visa Infinite Card
Annual price: $139 (waived first yr)
Welcome provide: Earn as much as $1,300 in worth, together with as much as 40,000 Aeroplan factors and no annual price for the primary yr. Situations apply.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | Private earnings of $60,000 or family earnings of $100,000 |
| Credit score rating | 680 or greater (beneficial) |
| Level worth | Aeroplan factors are value $0.02 on common |
Execs
- Obtain Air Canada perks, together with: most popular pricing on journey redemptions, financial savings on baggage charges, and you can prolong these advantages to as much as 8 journey companions.
- Comes with a strong insurance coverage bundle that features as much as $2 million in protection for as much as 21 days.
- Cardholders can get a rebate on NEXUS charges each two years.
- Get nearer to Aeroplan elite standing by incomes Aeroplan Miles in your on a regular basis purchases (can be utilized for seat upgrades and extra).
Cons
- You may solely redeem rewards via Aeroplan associate airways (contains Air Canada, United, and others), which could restrict your choices for airways and/or locations.
- Whereas profitable, Aeroplan isn’t precisely the only journey factors applications to know, so it will not be the fitting match for anybody who would get pissed off with fluctuating redemption values, which may change based mostly on a vacation spot, time of journey and so forth.
Greatest no-fee money again bank card
If you wish to earn money again however don’t wish to pay an annual price, take into account the TD Money Again Visa. Know, although, that the perks are lean—count on buy safety and prolonged guarantee—however like different TD playing cards, your money again rewards by no means expire, and you’ll redeem this cash everytime you need.
MoneySense editor insights: This TD bank card had our editors at “no annual price”—many different playing cards from TD include a $139 price ticket. And sometimes cash-back playing cards (even exterior of the TD suite) have an annual price. So we like that this has one of the best of each: No annual really feel and cash-back rewards. For a breakdown of the rewards see under.
Card particulars
| Rates of interest | 19.99% on purchases, 22.99% on money advances, 22.99% on stability transfers |
| Earnings required | None specified |
| Credit score rating | 640 or greater (beneficial) |
Greatest scholar bank card
It’s not frequent to seek out rewards playing cards with out an annual price, and even much less so with a strong rewards earn fee. The TD Rewards Visa Card affords a terrific entry level for college kids on a funds.
MoneySense editor insights: For those who’re making use of to your first-ever bank card then this no-fee rewards card is nice for college kids wanting to make use of a TD card. You would possibly as effectively earn reward factors out of your grocery and bookstore hauls.
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TD Rewards Visa Card
Annual price: $0
Welcome provide: Earn a price of $50 in TD Rewards Factors to make use of on eligible Amazon.ca purchases, plus no annual price. Situations apply.
Card particulars
| Rates of interest | 19.99% on purchases, 22.99% on money advances and 22.99% on stability transfers This provide just isn’t accessible for residents of Quebec. |
| Earnings required | None specified |
| Credit score rating | 640 or greater (beneficial) |
| Level worth | . |
Greatest low-interest bank card
If you should finance a giant buy, have an sudden expense, or simply wish to rating an ultra-low rate of interest, this TD bank card is a fairly good choice.
MoneySense editor insights: The everyday rate of interest on bank cards in Canada is round 20%. This card’s fee is editor-approved!
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TD Low Charge Visa Card
Annual price: $25
Low rate of interest: 12.90% on purchases (13.90% for Quebec residents)
Welcome provide: None presently.
Card particulars
| Rates of interest | 12.90% on money advances (13.90% for Quebec residents), 0% on stability transfers (13.90% for Quebec residents) |
| Earnings required | None specified |
| Credit score rating | 640 or greater (beneficial) |
What’s new with TD bank cards?
TD bank card holders simply acquired just a few new perks—one which Jays followers will cheer for. Rating one for TD.
TD Financial institution introduced fan perks for eligible card holders for the 2025 Blue Jays common season dwelling video games at Rogers Centre, till Sept. 28, 2025. Right here’s what they get:
- 10% assertion credit score on eligible foods and drinks purchases at Rogers Centre
- Precedence line at Gate 6
- Ballpark experiences, together with Cricket Day on the Park (Could 31), Satisfaction Evening (June 20) and Fan Appreciation Weekend (Sept. 26 to twenty-eight).
TD All-Inclusive Banking Plan
TD’s All-Inclusive Banking Plan is a premium checking account that gives top-tier providers and precious reductions, a few of which reward these carrying choose TD bank cards. For instance, All-Inclusive Banking Plan account holders obtain an annual price waiver once they join sure TD bank cards for each the first and one further card holder—for so long as they carry the account. Simply how a lot are you able to save? A bundle. The TD Money Again Visa Infinite, for instance, prices $139 yearly plus $50 for as much as one licensed cardholder. The $189 annual financial savings properly offsets the account charges whereas permitting you to leverage the perks related along with your bank card. Eligible playing cards embody the next: TD Aeroplan Visa Infinite, TD Aeroplan Visa Platinum, TD First Class Journey Visa Infinite, TD Platinum Journey Visa, and TD Money Again Visa Infinite.
Sweetening the pot for account holders, TD rewards with premium chequing account advantages resembling limitless debit transactions and Interac e-Transfers, a small security deposit field, cash orders and personalised and licensed cheques—all included. Moreover, there are not any TD transaction charges if you use an ATM in Canada, the U.S. or internationally (aside from change fee charges). Clearly, bundling accounts with the massive banks has its perks, together with that it retains issues easy.
This premium account does come at a premium worth. The month-to-month price is $29.95, or $22.45 for seniors. Nonetheless, for individuals who can afford to maintain $5,000 parked within the account, that price is rebated, that means all these perks together with the bank card rebates are free. In any other case, you’ll wish to weigh the advantages towards the fee. The annual price comes out to just about $360 (or virtually $270 for seniors) however any bank card rebates would come out of that whole.
use TD’s cash-back {dollars}
The TD Money Again Rewards bank card program allows you to redeem on-demand with out time restrictions, in contrast to another applications that prohibit you to as soon as per calendar yr. You may redeem when you’ve amassed $25 (that’s the minimal redeemable quantity, too) and your cash-back rewards by no means expire. The TD program is among the most versatile cash-back applications on the market, although it’s value mentioning that BMO does have an edge in that you may redeem with as little as $1 in your account.
redeem TD journey factors
TD Rewards factors will be redeemed for a spread of present playing cards, merchandise and even money–however they’re initially made for journey redemptions, particularly from the Expedia For TD web site. The worth of your factors varies in keeping with what you redeem them for, and the way. We break down the choices under:
How a lot is a TD journey level value on Expedia For TD
200 TD factors = $1
1 TD level = 0.5 cent
You’ll get the easiest worth out of your factors when redeeming on ExpediaforTD.com. There, you may put your factors towards reserving free or discounted journey from Expedia, one of many world’s largest journey engines like google and on-line journey businesses. There are not any blackout dates or airline restrictions, and the factors values stay constant irrespective of how, when or the place you’re travelling, making this technique a winner for individuals who don’t wish to spend their time deciphering rewards charts.
Guide Any Approach
250 TD factors = $1 on the preliminary $1,200 of journey reserving
1 TD level = 0.4 cent (0.4%)
200 TD factors = $1 on any quantity that’s over $1,200
1 TD level = 0.5 cent (0.5%)
For those who don’t wish to ebook via Expedia For TD, you could have the pliability to go elsewhere. That features shopping for your tickets as instantly from an airline or a journey company. You should utilize TD factors for nearly something travel-related together with flights, motels, excursions and automotive leases. Merely choose the Guide Any Approach choice if you redeem your factors. The one drawback: At 0.4 of a cent per level on the preliminary $1,200, you’ll get barely much less worth than you’d on Expedia For TD. This works out to about 25% much less worth per level.
Redeem factors for money
400 TD level = $1
1 TD level = 0.25 cent (0.25%)
All people loves money, however at 400 factors per $1, utilizing your TD factors to get it isn’t one of the best concept. If you wish to earn money with TD, it’s higher to go together with one in every of TD’s money again playing cards. Nonetheless, for those who’re nonetheless seeking to flip your factors into money, you may–simply know that you simply want a minimal of 10,000 factors.
Redeem factors for present playing cards
Common 1 TD level = 0.25 cent (0.25%)
There’s all kinds of present card choices on TDRewards.com, usable towards purchases at retailers together with Greatest Purchase, Canadian Tire, Foot Locker, Mattress Tub & Past, and others. That stated, the worth of your redemption achieved this manner matches what you’d get when utilizing factors for money again so that you’re higher off utilizing one other technique.
Redeem factors for merchandise
TD factors can be utilized towards an enormous number of merchandise, from train gear to electronics. Factors values on this stuff fluctuate dramatically however typically will hover between 0.2 and 0.35 of a cent per level.
About TD Aeroplan rewards
Aeroplan launched a program overhaul on November 8, 2020, at which era Aeroplan factors shall be redeemable for flights based mostly on a redemption chart that breaks up the world into 4 totally different journey zones: North America, Atlantic, Pacific and South America. You’ll have the ability to redeem factors for flights on Air Canada, plus greater than two dozen Star Alliance members, together with Singapore Airways, Austrian Airways and United.
TD level values fluctuate relying on the place you’re flying to and the way widespread the route is, however you need to use this calculation:
Worth of 1 Aeroplan level = (worth of ticket – charges) ÷ Aeroplan factors wanted to redeem
For an instance: if a round-trip flight from Toronto to Vancouver has a base fare of $405 and $20 in charges, your formulation would appear like this:
($405 – $20) ÷ 25,000 TD factors = 1.54 cents per 1 Aeroplan level
You may also maximize your factors values by including stopovers, getting baggage charges waived, and so forth.