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TD Bank currently offers Canadians a range of 14 credit cards. These cards are some of the best in the country, and cover everything from premium travel rewards, business credit, and cash back.
The best TD Bank credit cards tick a host of different boxes, including great rewards points on eligible purchases and exciting welcome bonus points. Below we’ve rounded up the top seven TD credit cards to help you find the one for you.
The TD Aeroplan Visa Infinite card is a great travel rewards credit card for the frequent Air Canada flyer or Aeroplan member. With its minimum income requirement and ties to the Aeroplan Rewards program, it’s really designed for moderate to high earners who are in airports often and want to reap the rewards. This card also offers unique travel perks, such as the Nexus fee reimbursement.
The Aeroplan Visa Infinite is one of the most popular TD credit cards.
This card’s reward value comes primarily from travel benefits with Air Canada. Holders also get access to free checked bags on Air Canada flights, as well as preferred pricing. Plus, you can earn double points when you spend with Aeroplan partner brands.
With premium rewards and a relatively low annual fee, it’s easy to see why this is one of TD’s core Aeroplan credit cards.
With the ability to earn 3% cash back on groceries, gas purchases, and recurring bill payments, this is a top choice among TD cash back cards.
For those looking for a good all-rounder cash back rewards card, this is a great option. You’ll also earn 1% cash back on all other purchases. And you won’t have to worry about your cash back rewards points expiring, as long as your account is in good standing.
When it comes to premium Aeroplan travel perks, this card is TD’s go-to. The TD Aeroplan Visa Infinite Privilege earns a base rate of 1.25 Aeroplan points for every dollar spent on all purchases.
This card also boasts strong travel rewards with a healthy 2 Aeroplan points earned on every eligible Air Canada purchase. Customers will also benefit from enhanced travel experience, with unlimited access to Maple Leaf Lounges and priority airport services to help take the stress out of flying.
For those wanting to keep their options open while earning travel points, this card is well worth considering. There are plenty of points to be had if you book through Expedia for TD, as well as for recurring bill payments and eligible restaurant and grocery purchases.
The TD First Class Travel Visa Infinite card also comes with a healthy dose of travel benefits, including medical insurance trip interruption insurance, and more. All this coverage makes it a solid option for frequent travellers.
The TD Rewards Visa Card is a no–fee credit card with a surprisingly appealing rewards structure. With 4 TD points for every dollar spent on travel bookings, this card presents a great opportunity to build and store points at low cost.
One of the other big benefits of this TD credit card is that you earn rewards on everyday purchases, including groceries, restaurants, and recurring bill payments. With flexibility as to when and how you use your points, this is a good option for those looking to dip their toes into rewards points.
The TD Emerald Flex Rate Visa is designed solely for those looking to benefit from a lower interest rate. Depending on your credit assessment, you’ll be offered one of six rate tiers, between 4.50% and 12.75%.
In terms of other perks, this card is lacking, but you can earn 50% more points at Starbucks. You’ll also have the option to get a TD Auto Club Membership, as well as several travel insurance options from TD.
For Canadian small business owners, the TD Business Travel Visa offers a top notch rewards program. The amount of TD rewards points available is higher compared to many of TD’s other offerings, making it an attractive choice.
While you will earn points for everyday business purchases, the real value of this rewards program is with travel purchases through Expedia for TD.
If you’re looking for more options for a TD Business card, we’ve rounded up the best TD business credit cards in 2023.
Lots of choice, including cash back and Aeroplan cards.
Most cards carry good insurance and security features.
Rewards available even with no-fee cards.
Multiple options for business credit cards.
No network variety (strictly Visa cards).
High income requirements on premium cards.
Minimal rewards on cards with flexible interest rates.
TD offers a good range of credit cards, so chances are you’ll find something that fits your needs. When it comes to premium full-fee cards, TD reward plans are particularly competitive.
For the eco-conscious consumer, rest assured that all of TD’s credit cards are currently made from 90% recycled plastic.
You can apply for a TD credit card online, over the phone, or in person at your local TD bank branch. Application is easy and can be completed within a matter of minutes.
There are several TD credit cards with lower eligibility requirements — the easiest being the TD Cash Back Visa.
The TD Aeroplan Visa Infinite Privilege Card offers the strongest Aeroplan rewards program for TD customers.
When it comes to flight bookings, Aeroplan will earn you more points compared to TD First Class. On the other hand, TD First Class is more beneficial when it comes to booking both travel and general purchases.
Paying off your TD credit card is simple and can be done through various methods: you can log in to your TD online banking account to make a one-time payment or set up recurring payments, use the TD mobile app for convenient on-the-go payments, set up pre-authorized debit to automatically cover the minimum payment or full balance each month, visit a TD branch or ATM to pay in person, or mail a cheque to TD, ensuring it arrives well before your due date to avoid late fees. For more detailed information, you can visit this guide on how to pay off a credit card.
