TD Bank is one of Canada’s largest issuers of credit cards, offering a lineup that spans no-annual-fee entry cards to the ultra-premium TD Aeroplan Visa Infinite Privilege. This guide ranks the best TD credit cards by category — whether you want maximum Aeroplan points, cashback on groceries, or a low-interest card if you occasionally carry a balance.
For a broader comparison including other banks, see best credit cards in Canada and best Aeroplan credit cards.
Annual fees, earn rates, and welcome bonus figures live-verified directly at td.com as of September 2026 — these promotional offers change frequently, so confirm the live terms at td.com before applying.
Best TD Credit Cards by Category
Best Overall: TD Aeroplan Visa Infinite
Annual fee: $139 | Network: Visa Infinite | Earn rate: 1.5× Aeroplan on groceries, gas, Air Canada; 1× elsewhere
The TD Aeroplan Visa Infinite is TD’s flagship mid-tier travel card and consistently one of Canada’s best-selling premium credit cards. It earns Aeroplan points — Canada’s most popular airline loyalty currency — at accelerated rates on everyday grocery and gas spending.
The current welcome offer is tiered: 10,000 Aeroplan points on your first purchase, 15,000 more after spending $3,000 within 90 days, and a 25,000-point anniversary bonus after spending $12,000 within 12 months — up to 50,000 points total, plus a first-year annual fee rebate.
Key features:
- Free first checked bag for the primary cardholder and up to 8 travel companions on Air Canada flights (Maple Leaf Lounge access and priority boarding are reserved for the higher-tier TD Aeroplan Visa Infinite Privilege, not this base card)
- Comprehensive travel insurance (emergency medical up to $2 million for the first 21 days, trip cancellation/interruption, car rental collision/loss damage)
- 1.5x bonus-category earning (gas, EV charging, groceries, direct Air Canada) is capped at $80,000/year combined spend, then drops to 1x
- Supplementary card fee: $75
Best for: TD customers who fly Air Canada regularly and want the best earn rate available on everyday spending from a Big 5 bank.
Best for Cashback: TD Cashback Visa Infinite
Annual fee: $139 | Network: Visa Infinite | Earn rate: 3% on groceries/gas/EV charging/transit (capped $450 cash back/year, then 1%); 3% on recurring bills/streaming/digital gaming/media (capped $450 cash back/year, then 1%); 1% on everything else
The TD Cashback Visa Infinite earns 3% back on groceries, gas, and transit purchases up to a combined $450/year cash back cap, making it one of the strongest grocery-cashback cards in Canada for TD customers. A household spending $1,500/month on groceries and gas would hit the $450 cap well before year-end, after which the rate drops to 1% for the remainder of the year.
Cashback is applied as a statement credit automatically each year, with no redemption minimums or conversions required. The current welcome offer is up to $600 in total value: 10% cash back on up to $3,500 in eligible spend during the first 3 months (up to $350), plus a first-year annual fee rebate.
Key features:
- 3% on groceries/gas/EV charging/transit AND 3% on recurring bills/streaming/digital gaming/media (two separate $450/year caps)
- 1% on all other purchases
- Travel insurance package included (comparable to Aeroplan Visa Infinite)
- Mobile device insurance up to $1,000
Best for: Canadians who prefer cashback simplicity over points strategy and spend heavily on groceries and gas, while being aware of the annual caps.
Best for Flexible Travel Points: TD First Class Travel Visa Infinite
Annual fee: $139 ($0 first year) | Network: Visa Infinite | Earn rate: 8x TD Rewards on ExpediaForTD bookings; 6x on groceries/dining/public transit; 4x on recurring bill payments/streaming/digital gaming/media; 2x elsewhere
The TD First Class Travel Visa Infinite earns TD Rewards points, which are best redeemed through Expedia for TD (where values reach up to 0.5 cents per point) or transferred to Stash Hotel Rewards. While TD Rewards points are less valuable than Aeroplan per point, the 8× multiplier on Expedia for TD bookings and the strong 6× rate on groceries/dining/transit appeals to those who book hotels and flights through that portal.
Key features:
- Welcome bonus (live-verified at td.com): 20,000 TD Rewards points on your first purchase, plus 140,000 more after spending $7,500 within 180 days — up to 160,000 points total (up to $1,400 in value), plus a first-year annual fee rebate
- Birthday bonus: up to 10,000 TD Rewards points
- Dragon Pass lounge access (4 complimentary visits/year via Visa Airport Companion Program)
Best for: Canadians who prefer flexibility (book any airline, any hotel) over Aeroplan loyalty and frequently use Expedia.
Best No-Annual-Fee Card: TD Rewards Visa
Annual fee: $0 | Network: Visa | Earn rate: 4x TD Rewards on ExpediaForTD bookings; 3x on groceries, dining, and public transit (capped at $5,000/year spend, then 1x); 2x on recurring bill payments/streaming (capped at $5,000/year spend, then 1x); 1x elsewhere
The TD Rewards Visa earns TD Rewards points with no annual fee. While TD Rewards points are less powerful than Aeroplan points, they can be redeemed for travel statement credits, gift cards, and merchandise. NOTE: this card does NOT have a gas bonus category. The current welcome offer (live-verified at td.com) is 15,152 TD Rewards points — valued at $50 on Amazon.ca — for spending $500 within 90 days of account opening.
Best for: Students, young adults, or anyone who wants TD points without an annual fee commitment.
Best for Carrying a Balance: TD Low Rate Visa
Annual fee: $25 ($0 first year) | Network: Visa | Purchase rate: 12.90% (13.90% in Quebec)
The TD Low Rate Visa does not earn rewards – its value is the low 12.90% purchase interest rate, compared to the standard 21.99% on most other TD Visa credit cards. If you regularly carry a balance of $2,000–$5,000, the interest savings dwarf any rewards you would earn on a standard card.
Quick math: $3,000 average balance at 21.99% costs about $660/year in interest. At 12.90% it costs about $387/year — a saving of roughly $273, still well worth the $25 annual fee.
Best for: Canadians who carry a monthly balance and want to minimize interest costs.
Best Premium: TD Aeroplan Visa Infinite Privilege
Annual fee: $599 | Network: Visa Infinite Privilege | Earn rate: 2× Aeroplan on Air Canada; 1.5× on groceries, gas, EV charging, travel & transit, dining; 1.25× elsewhere (bonus categories capped at $100,000/year combined spend)
The current welcome offer (live-verified at td.com) is tiered: 20,000 points on your first purchase, 30,000 more after spending $12,000 within 180 days, and 50,000 more after spending $24,000 within 12 months — up to 100,000 Aeroplan points total.
For frequent Air Canada flyers who want maximum perks, the Privilege card adds:
- Unlimited Air Canada Maple Leaf Lounge access, plus 6 complimentary visits/year at 1,200+ airport lounges worldwide through the Visa Airport Companion Program (hosted by Dragonpass – not Priority Pass)
- Priority check-in, Zone 2 priority boarding, and priority baggage handling on Air Canada flights
- First checked bag free for primary cardholder and up to 8 travel companions on the same booking
- 1,000 Aeroplan Status Qualifying Credits (SQC) for every $5,000 in eligible net purchases, up to 25,000 SQC per year toward Aeroplan Elite Status qualification
- Emergency travel medical up to $5 million for the first 21 days (for travellers 64 and under)
- Supplementary card fee: $199
Best for: Aeroplan Elite Status aspirants and frequent Air Canada flyers who spend $50,000+ per year on the card and can justify the $599 annual fee with Air Canada benefits and lounge access.
All TD Credit Cards: Quick Comparison
| Card | Annual fee | Best for | Key earn rate |
|---|---|---|---|
| TD Aeroplan Visa Infinite | $139/year | Aeroplan / Air Canada | 1–1.5× Aeroplan |
| TD Aeroplan Visa Infinite Privilege | $599/year | Premium Aeroplan | 1.25–2× Aeroplan |
| TD First Class Travel Visa Infinite | $139/year | Flexible travel | 2–8× TD Rewards |
| TD Cashback Visa Infinite | $139/year | Grocery cashback | 1–3% cashback (capped) |
| TD Rewards Visa | $0 | No-fee rewards | 1–4× TD Rewards |
| TD Low Rate Visa | $25/year | Carry a balance | 12.90% interest rate |
How to Choose the Right TD Card
For Aeroplan collectors: TD Aeroplan Visa Infinite is the clear choice. If you fly Air Canada business class or hold Elite Status, consider the Privilege card.
For cashback simplicity: TD Cashback Visa Infinite at 3% on groceries, gas, and transit (capped at $450 cash back/year). Most grocery-heavy households recoup the $139 fee within six months.
For flexible travel: TD First Class Travel Visa Infinite for Expedia bookings and any-airline redemptions. The welcome bonus in TD Rewards points is often substantial.
For no annual fee: TD Rewards Visa earns category-accelerated points at zero cost.
For balance carriers: TD Low Rate Visa at 12.90% — the only sensible choice if you do not pay your card in full each month.
TD vs Other Big 5 Bank Cards
When comparing TD’s lineup against competitors:
- TD vs CIBC on Aeroplan: The CIBC Aeroplan Visa Infinite earns identically to TD’s version at the same $139 fee. CIBC wins on supplementary card fees ($50 vs $75). TD often runs stronger welcome bonus promotions.
- TD vs RBC on travel: RBC Avion Visa Infinite ($120) is $19/year cheaper with flexible transfer partners. TD Aeroplan Visa Infinite earns faster on groceries (1.5× vs 1×) if Aeroplan is your program.
- TD vs Scotia on no-FX: The Scotia Passport Visa Infinite ($150) is better for international spenders with its no-FX-fee benefit; TD has no direct equivalent in its mid-tier lineup.
See also: TD Aeroplan Visa Infinite review · best Aeroplan credit cards in Canada · best cashback credit cards in Canada