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As considered one of Canada’s Massive Six banks, TD presents a big selection of monetary providers, together with a formidable portfolio of greater than two dozen bank cards. We’ve damaged down our picks for the perfect TD bank cards in Canada, so that you just’ve acquired the knowledge to make the selection greatest for you. Whether or not you’re searching for a bank card that’s good for low curiosity, money again (together with one with no annual price), versatile journey factors (assume: Expedia), a co-branded journey card (that’s Aeroplan), now we have choices for you.
Finest bank card for money again
If you happen to like money rewards, you’ll need to try the TD Money Again Visa Infinite. Its foremost attracts: a robust 3% return in three very fashionable spending classes, and complete roadside help perks.
MoneySense editor insights: The editorial group 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 12 months)
Welcome provide: Earn as much as $600 in worth, together with 10% money again on eligible purchases throughout the first three months (on as much as $3,500 in purchases). Circumstances apply.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on steadiness transfers |
| Revenue required | Private earnings of $60,000 or family earnings of $100,000 |
| Credit score rating | 680 or increased (really helpful) |
Finest bank card for versatile journey factors
Because of the partnership between TD and Expedia, you’ll be able to redeem TD factors you accumulate on the TD First Class Journey Visa Infinite for nearly something travel-related. That features inns, trip packages, and flights—at any airline, lodge 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’ll be able to’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 12 months)
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 12 months. Circumstances apply.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on steadiness transfers |
| Revenue required | Private earnings of $60,000 or family earnings of $100,000 |
| Credit score rating | 680 or increased (really helpful) |
| Anniversary bonus | Earn an annual birthday bonus of 10% of your earlier 12 months’s factors (as much as 10,000 factors). |
| Level worth | . |
Finest for journey with Air Canada
The brand new TD Aeroplan Visa Infinite has quite a bit on provide for travellers, particularly those that desire reserving with Air Canada.
MoneySense editor insights: If you happen to 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 12 months)
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 12 months. Circumstances apply.
Card particulars
| Rates of interest | 20.99% on purchases, 22.99% on money advances, 22.99% on steadiness transfers |
| Revenue required | Private earnings of $60,000 or family earnings of $100,000 |
| Credit score rating | 680 or increased (really helpful) |
| Level worth | Aeroplan factors are price $0.02 on common |
Execs
- Obtain Air Canada perks, together with: most well-liked pricing on journey redemptions, financial savings on baggage charges, and you can lengthen these advantages to as much as 8 journey companions.
- Comes with a sturdy insurance coverage package deal 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’ll be able to solely redeem rewards by means of 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 best journey factors applications to understand, so it is probably not the proper match for anybody who would get annoyed with fluctuating redemption values, which may change based mostly on a vacation spot, time of journey and so forth.
Finest no-fee money again bank card
If you wish to earn money again however don’t need to pay an annual price, think about the TD Money Again Visa. Know, although, that the perks are lean—anticipate buy safety and prolonged guarantee—however like different TD playing cards, your money again rewards by no means expire, and you may 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 outdoors of the TD suite) have an annual price. So we like that this has the perfect 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 steadiness transfers |
| Revenue required | None specified |
| Credit score rating | 640 or increased (really helpful) |
Finest scholar bank card
It’s not widespread 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 presents an excellent entry level for college students on a funds.
MoneySense editor insights: If you happen to’re making use of on your first-ever bank card then this no-fee rewards card is nice for college students 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 worth of $50 in TD Rewards Factors to make use of on eligible Amazon.ca purchases, plus no annual price. Circumstances apply.
Card particulars
| Rates of interest | 19.99% on purchases, 22.99% on money advances and 22.99% on steadiness transfers This provide will not be obtainable for residents of Quebec. |
| Revenue required | None specified |
| Credit score rating | 640 or increased (really helpful) |
| Level worth | . |
Finest low-interest bank card
If it’s good to finance a giant buy, have an sudden expense, or simply need to rating an ultra-low rate of interest, this TD bank card is a fairly good choice.
MoneySense editor insights: The standard 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 steadiness transfers (13.90% for Quebec residents) |
| Revenue required | None specified |
| Credit score rating | 640 or increased (really helpful) |
What’s new with TD bank cards?
TD bank card holders simply acquired a number of 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 (Might 31), Pleasure Night time (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 priceless 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 extra 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 approved cardholder. The $189 annual financial savings properly offsets the account charges whereas permitting you to leverage the perks related together with your bank card. Eligible playing cards embrace 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 similar to limitless debit transactions and Interac e-Transfers, a small security deposit field, cash orders and personalised and authorized cheques—all included. Moreover, there aren’t any TD transaction charges whenever you use an ATM in Canada, the U.S. or internationally (apart 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 value. The month-to-month price is $29.95, or $22.45 for seniors. Nevertheless, for many who can afford to maintain $5,000 parked within the account, that price is rebated, which means all these perks together with the bank card rebates are free. In any other case, you’ll need to weigh the advantages in opposition to the price. 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.
How one can 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 limit you to as soon as per calendar 12 months. You’ll be able to 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 price mentioning that BMO does have an edge in that you would be able to redeem with as little as $1 in your account.
How one can redeem TD journey factors
TD Rewards factors could be redeemed for a variety of present playing cards, merchandise and even money–however they’re at the start made for journey redemptions, particularly from the Expedia For TD web site. The worth of your factors varies in line with what you redeem them for, and the way. We break down the choices under:
How a lot is a TD journey level price on Expedia For TD
200 TD factors = $1
1 TD level = 0.5 cent
You’ll get the perfect worth out of your factors when redeeming on ExpediaforTD.com. There, you’ll be able to put your factors towards reserving free or discounted journey from Expedia, one of many world’s largest journey search engines like google and on-line journey companies. There aren’t any blackout dates or airline restrictions, and the factors values stay constant irrespective of how, when or the place you’re travelling, making this methodology a winner for many who don’t need to spend their time deciphering rewards charts.
E book 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%)
If you happen to don’t need to e-book by means of Expedia For TD, you could have the pliability to go elsewhere. That features shopping for your tickets as straight from an airline or a journey company. You need to use TD factors for nearly something travel-related together with flights, inns, excursions and automobile leases. Merely choose the E book Any Approach choice whenever 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’ll 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 the perfect thought. If you wish to earn money with TD, it’s higher to go together with considered one of TD’s money again playing cards. Nevertheless, should you’re nonetheless seeking to flip your factors into money, you’ll be able to–simply know that you just 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 Finest Purchase, Canadian Tire, Foot Locker, Mattress Tub & Past, and others. That mentioned, the worth of your redemption executed this manner matches what you’d get when utilizing factors for money again so that you’re higher off utilizing one other methodology.
Redeem factors for merchandise
TD factors can be utilized towards an enormous number of merchandise, from train tools to electronics. Factors values on this stuff fluctuate dramatically however usually 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 will probably 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 be capable 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 should use this calculation:
Worth of 1 Aeroplan level = (value 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 method would appear like this:
($405 – $20) ÷ 25,000 TD factors = 1.54 cents per 1 Aeroplan level
You too can maximize your factors values by including stopovers, getting baggage charges waived, and so forth.
