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Best TD Credit Cards in Canada for 2025
Sara Skodak
Author
Kevin Shahnazari
Editor5 min read
If you’re looking to get your hands on a TD credit card, you’ve come to the right place. We will help you find the best credit card!
In this blog post, we’ve put together a list of the best TD credit cards across multiple categories. These categories include the best TD credit cards for travel, the best TD credit cards for cashback, and the best TD credit cards for no annual fee.
Best Overall TD Credit Card
TD First Class Travel® Visa Infinite* Card
3.9
Finly Rating
Welcome Bonus
Up to 135,000 TD Rewards Points
Annual Fee
139 $0
Interest Rates
20.99% / 22.99%
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
Rewards
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x points per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Flight Delay
$500Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Hotel Burglary Insurance
$2,500
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Mobile Device Insurance
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits
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Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
This TD credit card is truly stacked with rewards, insurance, and benefits – making it the most balanced and valuable option on this list.
Starting with the rewards program, expect to collect competitive points on travel booked through Expedia for TD, eligible grocery and restaurant purchases, and recurring bill payments – talk about well-rounded earning potential!
If you plan on taking a trip, your TD First Class Travel Visa Infinite Card certainly has you covered. Take advantage of 13 comprehensive coverage categories from trip interruption and trip cancellation insurance to emergency medical over 65 insurance.
While the top redemption categories cater to travel, even if you're not much of a traveller, you can also use your points towards educational expenses like student loans and courses, Amazon purchases, statement credits, gift cards, and eligible merchandise.
Any type of cardholder will also be pleased with benefits like the annual birthday bonus, an annual travel credit, Troon Rewards Golf benefits, and extra Aeroplan points and Stars at participating Starbucks stores.
The best part? You can get all of these perks with a reasonable annual income, for a standard annual fee that’s completely waived in the first year.
Ultimately, if you want a TD credit card that complements your travel habits and everyday spending routines, no other TD credit card does it quite like the TD First Class Travel Visa Infinite Card.
Best Cashback TD Credit Cards
There are a couple of TD Credit Cards that are best for cashback – which can sometimes be more convenient than points. Let’s take a look at those two contenders now:
TD Cash Back Visa Infinite* Card
3.3
Finly Rating
Welcome Bonus
Up to $245
Annual Fee
139 $0
Interest Rates
20.99% / 22.99%
We actually don't recommend this card much. For an annual fee, the rewards earned are very mediocre, and the benefit coverage leaves much to be desired. The only notable benefit is the roadside assistance, which can be covered by an alternative, better credit card.
Pros
- The roadside assistance benefit is nice.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
Insurance
Coverage
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 65
$2M, 4 daysLost or Stolen Baggage
$1000Baggage Delay
$1000Car Rental Damage & Theft
IncludedMobile Device Insurance
$1000Purchase Protection
90 daysExtended Warranty
1 year
Benefits
Details
Extra points
Earn 50% more Stars at participating Starbucks storesConcierge Services
Visa Infinite Exclusive Benefits
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car- Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
First up, the TD Cash Back Visa Infinite Card.
With reasonable income requirements and an annual fee that’s waived in the first year, this card offers solid cashback rates on groceries, gas, and recurring payments.
These rewards are accompanied by decent insurance coverages like emergency medical over 65 and mobile device insurance, plus benefits like the rare roadside assistance perk, a car rental discount, and Troon Rewards Golf benefits.
All in all, the TD Cash Back Visa Infinite Card is a good contender for those who are looking to build credit with TD and earn cashback rewards on popular everyday purchases.
TD Cash Back Visa* Card
2.7
Finly Rating
Welcome Bonus
N/A
Rewards Rate
0.5% - 1%
Annual Fee
$0
Interest Rates
19.99% / 22.99%
The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.
Pros
- No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
- 1% cash back on essential categories like gas, groceries, and recurring bills.
- Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
- Complimentary extended warranty and purchase protection insurance.
Cons
- Only 0.5% cash back on all other purchases, which is lower than some competitors.
- Limited insurance coverage compared to premium cash back cards.
Rewards
- 1% cash back on eligible groceries, gas and recurring bills (maximum $50 cash back for groceries & gas and another $50 for recurring bills)
- 0.5% cash back on all other eligible credit card purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Extra points
Earn 50% more Stars at participating Starbucks storesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
If you’re looking for a cashback option that’s a little more affordable, the TD Cash Back Visa Card could be a nice alternative to the TD Cash Back Visa Infinite Card.
For no annual fee and similar income requirements, you can get a small percentage of cashback on categories like groceries, gas, and recurring payments. While the TD Cash Back Visa Infinite Card earns you more cashback on these same categories, it also costs you more. So, if you're looking for cashback on a budget, the TD Cash Back Visa Card might fit the bill.
Similar to the rewards program, the insurance and benefits lists are lacking a bit as well – but that’s to be expected with a no-fee credit card. For coverage, you’ll get standard purchase protection and extended warranty insurance. As for benefits, take advantage of extra Stars at participating Starbucks stores and car rental discounts at Avis Rent A Car and Budget Rent A Car.
All in all, if you want an uncomplicated cashback TD credit card without the annual cost, you may want to opt for the TD Cash Back Visa Card over the TD Cash Back Visa Infinite Card.
Best TD Credit Cards for Travel
Brace yourself for this next section because the bulk of the best TD Credit Cards come from the travel category.
TD First Class Travel® Visa Infinite* Card
3.9
Finly Rating
Welcome Bonus
Up to 135,000 TD Rewards Points
Annual Fee
139 $0
Interest Rates
20.99% / 22.99%
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
Rewards
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x points per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 yearMobile Device Insurance
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits
Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesAnnual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTravel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
Starting off strong with the familiar TD First Class Travel Visa Infinite Card, this option earns you tons of points on travel booked online through Expedia for TD.
On top of that, it comes stocked with plenty of travel insurance – everything from trip interruption and trip cancellation insurance to flight and baggage delay to emergency medical over 65 coverage.
The benefits support your travels too, including perks like an annual travel discount when you book through Expedia for TD, and car rental discounts at Avis Rent A Car and Budget Rent A Car.
So, if you’re happy to book your vacations through Expedia for TD, and if you want tons of travel insurance and a few travel perks, the TD First Class Travel Visa Infinite Card might be your first choice when it comes to a TD travel credit card.
TD Aeroplan® Visa Infinite* Card
3.5
Finly Rating
Welcome Bonus
Up to 40,000 Aeroplan® points
Annual Fee
$139
Interest Rates
20.99% / 22.99%
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Pros
- Earn up to 40,000 Aeroplan points (welcome bonus offer ends January 6, 2025).
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
Rewards
- 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
- 1x Aeroplan point per $1 spent on all other eligible purchases
Insurance
Coverage
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2500Purchase Protection
90 daysExtended Warranty
1 yearMobile Device Insurance
$1,000
Benefits
Details
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Free first checked bag
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
Nexus Program Rebate
$100 every 4 yearsVisa Infinite Exclusive Benefits
Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchasesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Eligibility
Credit Score
Very GoodAnnual Income
$60,000 personal or $100,000 household
Next up, we have a couple of Aeroplan-oriented TD cards, starting with the TD Aeroplan Visa Infinite Card.
If you meet the income requirements and don’t mind paying the annual fee, the TD Aeroplan Visa Infinite Card earns you decent Aeroplan points on every dollar you spend on gas, groceries, and Air Canada purchases.
Compared to the TD First Class Travel Visa Infinite Card, The TD Aeroplan Visa Infinite Card can earn you more overall points, but these points are Aeroplan points, which are less flexible than a standard TD point. This makes the TD Aeroplan Visa Infinite Card best for those who travel with Air Canada, but the TD First Class Travel Visa Infinite Card better for those who want to earn TD points in general without being linked to a specific airline.
Like the TD First Class Travel Visa Infinite Card, the TD Aeroplan Visa Infinite Card has tons of travel insurance (13 types to be exact!), including trip interruption and trip cancellation insurance.
The TD Aeroplan Visa Infinite Card’s benefits, however, are a bit more extensive with an expedited chance at reaching Aeroplan Elite Status, trip and legal assistance, free first checked bags, and a NEXUS Program rebate.
While the annual fees are technically the same for both cards, the TD Aeroplan Visa Infinite Card’s fee isn’t waived in the first year like the TD First Class Travel Visa’s fee is.
All in all, you might pick the TD Aeroplan Visa Infinite Card over the TD First Class Travel Visa if you frequently travel with Air Canada, want more travel perks, want to earn Aeroplan points on your everyday expenses and travel purchases, and you want to save money on the annual fee in the first year. Otherwise, the TD First Class Travel Visa gives you the opportunity to earn flexible TD points on different categories (including travel) and comes with a travel credit that might be enticing.
TD® Aeroplan® Visa Infinite Privilege*
3.2
Finly Rating
Welcome Bonus
Up to 100,000 points (70,000 in 1st year)
Annual Fee
$599
Interest Rates
20.99% / 22.99%
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Rewards
- 2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
- 1.25 Point on everything else
Insurance
Coverage
Emergency Out of province Medical
$5M/insured up to 31 daysEmergency Medical Over 65
$5M/insured up to 4 daysTrip Cancellation
$2.5K/person, $5K/tripTrip Interruption
$5K/person, $25K/tripFlight Delay
$1,000/person after 4 hoursBaggage Delay
$1K/person after 4 hoursLost or Stolen Baggage
$2.5K/personTravel Accident
$500,000Car Rental Damage & Theft
Up to 48 consecutive rental daysHotel Burglary Insurance
$2500Purchase Protection
120 daysExtended Warranty
2 yearsMobile Device Insurance
$1,500
Benefits
Details
Free first checked bag
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guestsNexus Program Rebate
$100 every 4 yearsVisa Infinite Exclusive Benefits
Concierge Services
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarTrip and legal Assistance
Extra points
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgradeStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Dragon Pass
6 Free complimentary visitsAirport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Eligibility
Credit Score
ExcellentAnnual Income
$150,000 personal or $200,000 household
If you’re a high-earner who doesn’t mind spending more on a credit card’s annual fee, then the TD Aeroplan Visa Infinite Privilege Card might be a necessary upgrade to the TD Aeroplan Visa Infinite Card.
Earn slightly more points on Air Canada purchases plus some decent points on regular travel, with a better base rate on everything else.
The two cards share the same insurance types, but the TD Aeroplan Visa Infinite Privilege Card offers higher coverage limits across most categories – like lost or stolen baggage coverage, mobile device insurance, purchase protection, extended warranty, and trip cancellation insurance.
As for the travel benefits, the list is big. You’ll find everything from free first check bags to airport lounge access to a companion voucher and Priority Travel perks.
So, if the large annual fee or high income requirements aren’t obstacles for you, and you want more comprehensive travel coverage and benefits, the TD Aeroplan Visa Infinite Privilege Card might be superior to the TD Aeroplan Visa Infinite Card.
TD Platinum Travel Visa* Card
3
Finly Rating
Welcome Bonus
Up to 50,000 TD Rewards Points
Annual Fee
89 $0
Interest Rates
20.99% / 22.99%
The TD Platinum Travel Visa Card* is a solid choice for individuals looking for travel rewards and flexibility without a high annual fee. Its first-year fee waiver, valuable welcome bonus, and comprehensive insurance package make it a strong contender in the travel card category. However, the lower point value and lack of trip cancellation insurance may be a drawback for frequent travelers.
Pros
- 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
- Annual fee rebate for the first year, providing savings during the first year of card ownership.
- No minimum income requirement, making it accessible for a wide range of applicants.
- Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.
Cons
- TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
- Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
- No trip cancellation insurance included, which may be a drawback for frequent travelers.
Rewards
- 6x points per $1 spent on travel booked online through Expedia for TD
- 4.5x points per $1 spent on eligible grocery and restaurant purchases
- 3x points per $1 spent on eligible recurring bill payments
- 1.5x points per $1 spent on all other eligible purchases
Insurance
Coverage
Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2,500Purchase Protection
90 daysExtended Warranty
Up to 1 yearMobile Device Insurance
$1,000
Benefits
Details
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
If you’re feeling a little overwhelmed by the price of the previous TD travel card, the TD Platinum Travel Visa asks you to pull way less out of your pocket for its annual fee – plus that fee is waived in the first year of membership.
That said, this lower cost comes with less extensive and less comprehensive travel insurance – its missing some valuable categories like trip interruption and trip cancellation insurance.
The benefits are also very minimal, with only car rental discounts at Avis Rent A Car and Budget Rent A Car pertaining to travel in any way.
You can earn more TD Rewards on travel booked through Expedia for TD though, which might be tempting if you don’t care to collect Aeroplan points.
Overall, the TD Platinum Travel Visa is a less complex, less costly travel TD card that still gets you plenty of points on travel purchases, and some travel coverage and perks. But, if you’re looking for more, you might want to pay more for a card like the TD Aeroplan Visa Infinite Privilege Card.
TD® Aeroplan® Visa Platinum* Credit Card
3
Finly Rating
Welcome Bonus
Up to 20,000 Aeroplan points
Annual Fee
89 $0
Interest Rates
20.99% / 22.99%
The TD® Aeroplan® Visa Platinum Card* is a solid option for individuals who frequently fly with Air Canada and want a low-fee entry into the Aeroplan rewards program. With a first-year fee waiver, 20,000-point welcome bonus, and 12 types of insurance, it offers good value for occasional travelers. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Pros
- Up to 20,000 Aeroplan Points welcome bonus.
- Earn 1 point per $1 on gas, groceries, and Air Canada purchases.
- Preferred Pricing on Aeroplan flight rewards.
- Includes 12 types of insurance for added travel protection.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
Rewards
- 1.5 Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 80,000 points annually)
- 0.66 Aeroplan point per $1 spent on all other eligible purchases
Insurance
Coverage
Flight Delay
$500Baggage Delay
$1,000Lost or Stolen Baggage
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesPurchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
Let’s pull out another Platinum card from our TD travel collection.
The TD Aeroplan Visa Platinum Credit Card has the same annual fee as the TD Platinum Travel Visa (also waived in the first year), but how do the two cards differ?
Instead of TD Rewards, the TD Aeroplan Visa Platinum Credit Card earns cardholders some Aeroplan points on Air Canada Travel (plus some popular spend categories).
The TD Aeroplan Visa Platinum Credit Card unfortunately has slightly less travel insurance as it lacks hotel burglary insurance (something the TD Platinum Travel Visa has).
Moving on to travel-oriented benefits, both cards have car rental discounts at Avis Rent A Car and Budget Rent A Car.
In conclusion, you might only opt for the TD Aeroplan Visa Platinum Credit Card over the TD Platinum Travel Visa, if you prefer Aeroplan points and if you frequently travel with Air Canada.
Best Low-Interest TD Credit Card
If you’re less interested in travel and more interested in low-interest, there’s one TD credit card that might be worth considering.
TD Low Rate Visa* Card
3.3
Finly Rating
Welcome Bonus
8.99% promotional interest rate for 6 months
Rewards Rate
No Rewards
Annual Fee
$25
Interest Rates
12.90% / 12.90%
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
- Nice promotional interest rate
Cons
- No rewards
- Small annual fee
Rewards
- No rewards
- No welcome bonus or promotional interest rate
- Interest changes with prime so you can't setup a fixed amount payment plan
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Doubled Up to 1 year
Benefits
Details
Extra points
Earn 50% more Stars at participating Starbucks storesCar Rental Discount
5% to 10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
The TD Low Rate Visa won’t cost you too much annually and it offers the lowest interest on a TD credit card – particularly during its promotional period.
Following the same pattern as many other low-interest credit cards from other networks, this credit card doesn’t come with a rewards program.
For coverage, you’ll still have the basics like purchase protection insurance and extended warranty insurance.
As for benefits, enjoy more Stars at participating Starbucks stores and discounts at Avis Rent A Car and Budget Rent A Car.
At the end of the day, if you want a low-interest TD credit card without all the complexities, the TD Low Rate Visa is your best option.
Best No-Fee TD Credit Cards
If you’re budget-conscious and not looking to spend money to own a credit card, there are a couple of TD cards that don’t require an annual fee.
TD Cash Back Visa* Card
2.7
Finly Rating
Welcome Bonus
N/A
Rewards Rate
0.5% - 1%
Annual Fee
$0
Interest Rates
19.99% / 22.99%
The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.
Pros
- No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
- 1% cash back on essential categories like gas, groceries, and recurring bills.
- Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
- Complimentary extended warranty and purchase protection insurance.
Cons
- Only 0.5% cash back on all other purchases, which is lower than some competitors.
- Limited insurance coverage compared to premium cash back cards.
Rewards
- 1% cash back on eligible groceries, gas and recurring bills (maximum $50 cash back for groceries & gas and another $50 for recurring bills)
- 0.5% cash back on all other eligible credit card purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to 1 year
Benefits
Details
Extra points
Earn 50% more Stars at participating Starbucks storesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
As previously mentioned, the TD Cash Back Visa offers you some cashback on everyday spend categories like groceries, gas, and recurring bills, all at no annual cost.
For no annual fee, you’ll also get some insurance – particularly purchase protection and extended warranty insurance – plus benefits including extra Stars at participating Starbucks stores and car rental discounts at Avis Rent A Car and Budget Rent A Car.
It’s a basic, budget-friendly, cashback option, and for no annual fee, it could be yours.
TD Rewards Visa* Card
2
Finly Rating
Welcome Bonus
Up to 15,152 TD Rewards Points
Rewards Rate
1x - 4x points
Annual Fee
$0
Interest Rates
19.99% / 22.99%
The TD Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
Pros
- No annual fee, making it easy to maintain.
- Strong welcome bonus of 15,152 points, worth approximately $75.
- Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
- Mobile device insurance included, a rare feature for no-fee cards.
Cons
- TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
- Low return rate on everyday purchases, with 1 point per $1 spent, equating to just 0.5% return.
- Limited insurance coverage compared to premium cards.
Rewards
- 4x points per $1 spent on travel booked online through Expedia for TD
- 3x points per $1 spent on eligible grocery and restaurant purchases
- 2x points per $1 spent on eligible recurring bill payments
- 1x points per $1 spent on all other eligible purchases
Insurance
Coverage
Purchase Protection
90 daysExtended Warranty
Up to 1 yearMobile Device Insurance
$1,000
Benefits
Details
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesCar Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
If you’d rather a points rewards program instead of cashback, luckily TD also has you covered with the TD Rewards Visa.
With this card, you can earn plenty of points on travel booked online through Expedia for TD, grocery and restaurant purchases, and recurring bill payments.
What’s really notable about this no-fee TD card is that on top of purchase protection and extended warranty insurance (coverages also included on the TD Cash Back Visa), you also get mobile device insurance – an extremely valuable protection!
For benefits, you can expect extra Stars and more Aeroplan points at participating Starbucks stores, plus rental car discounts at Avis Rent A Car and Budget Rent A Car.
Therefore, the TD Rewards Visa might be the better no-fee TD card over the TD Cash Back Visa if you prefer points to cashback, would like a travel earn category, and if you want mobile device insurance on top of other standard coverages.