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.
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 welcome bonus is often the most generous offer in TD’s lineup, frequently reaching 20,000–50,000 Aeroplan points for new applicants during promotional windows.
Key features:
- 1 complimentary Air Canada Maple Leaf Lounge access pass on your card anniversary
- Priority check-in and boarding on Air Canada full-fare tickets
- Comprehensive travel insurance (emergency medical up to $2 million, trip cancellation, car rental)
- 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: $120 | Network: Visa Infinite | Earn rate: 3% on groceries and gas; 1% on recurring payments and everything else
The TD Cashback Visa Infinite earns 3% back on groceries and gas purchases, making it one of the strongest grocery-cashback cards in Canada for TD customers. A household spending $1,500/month on groceries and gas earns $540/year in cashback against a $120 annual fee.
Cashback is applied as a statement credit automatically each year, with no redemption minimums or conversions required.
Key features:
- 3% on groceries (cap: $15,000/year) and gas (cap: $15,000/year)
- 1% on recurring bill payments and 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.
Best for Flexible Travel Points: TD First Class Travel Visa Infinite
Annual fee: $120 | Network: Visa Infinite | Earn rate: Up to 8× TD Rewards on ExpediaForTD bookings; 3× on groceries, fast food, recurring; 1× 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 appeals to those who book hotels and flights through that portal.
Key features:
- 80,000 TD Rewards points welcome bonus (typical promotional offer)
- Birthday bonus: 10% extra points on all purchases in your birth month
- Annual free day pass to select airport lounges
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: 2× TD Rewards on restaurant and fast food; 1.5× on recurring bills, gas, groceries; 1× 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. The 2× on dining and 1.5× on recurring bills is strong for a no-fee card.
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 | Network: Visa | Purchase rate: 8.99%
The TD Low Rate Visa does not earn rewards — its value is the low 8.99% purchase interest rate, compared to the standard 20.99% on most TD 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 20.99% costs $630/year in interest. At 8.99% it costs $270/year — a saving of $360, more than 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, dining; 1.25× elsewhere
For frequent Air Canada flyers who want maximum perks, the Privilege card adds:
- Unlimited Maple Leaf Club lounge access (Air Canada’s domestic lounges)
- Complimentary Priority Pass Select membership (6 international lounge visits)
- Priority check-in, boarding, baggage, and baggage delivery
- First checked bag free for primary cardholder and companions on the same booking
- Aeroplan 25K Elite Status Qualifying Miles on $10,000+ in spend each quarter
- Emergency travel medical up to $5 million
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 | Aeroplan / Air Canada | 1–1.5× Aeroplan |
| TD Aeroplan Visa Infinite Privilege | $599 | Premium Aeroplan | 1.25–2× Aeroplan |
| TD First Class Travel Visa Infinite | $120 | Flexible travel | 1–8× TD Rewards |
| TD Cashback Visa Infinite | $120 | Grocery cashback | 1–3% cashback |
| TD Rewards Visa | $0 | No-fee rewards | 1–2× TD Rewards |
| TD Low Rate Visa | $25 | Carry a balance | 8.99% 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 and gas. Most grocery-heavy households recoup the $120 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 8.99% — 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