Credit cards · TD

Best TD credit cards in Canada

TD’s Cash Back and Aeroplan cards lead its range, with strong everyday and travel earn rates. Every TD card we track, with earn rates, fees and offers verified at TD.

Verified at the issuer · June 12, 2026

The 3 TD cards we track

Sorted by annual fee. Every figure read at the issuer’s own page — earn rates with their caps, offers with their end dates.

TD U.S. Dollar Visa

TD · Visa

$39/year

US$39 — rebated with TD’s Borderless (USD) account, which is optional

No rewards

Income: Canadian resident, age of majority — no US address needed
FX fee: n/a — bills in USD
Travel medical: Optional paid add-on only
Rates: 21.99% purchases · 22.99% advances

Verified at TD · Jun 12

TD Cash Back Visa Infinite

TD · Visa Infinite

$139/year

First-year rebate (primary + first additional, conditions); additional $50 first, $0 after

3% on groceries, gas/EV, transit, recurring bills and streaming/digital — each capped at $15,000/yr in category spend
1% on everything else

10% cash back for 3 months on up to $3,500 spend (up to $350) + fee rebate — ongoing, no stated end date

Income: $60,000 personal / $100,000 household
FX fee: Not published on the card page — confirm in the cardholder agreement (typically 2.5%)
Travel medical: First 10 days ($2M) · 65+: first 4 days — one of the few cash-back cards with ANY 65+ coverage
Rates: 21.99% purchases · 22.99% advances

Verified at TD · Jun 12

TD Aeroplan Visa Infinite

TD · Visa Infinite

$139/year

The Aeroplan default

$75 per additional cardholder; first-year rebate in the current offer

1.5× gas, EV charging, grocery and direct Air Canada · 1× else
Free first checked bag for up to 9 travellers on one reservation + NEXUS credit

Up to 40,000 Aeroplan pts (10k first purchase + 15k at $3,000/90 days + 15k anniversary at $12,000) + first-year rebate — ongoing, may be withdrawn

Income: $60,000 personal / $100,000 household
FX fee: Not published on the card page — confirm in the cardholder agreement (typically 2.5%)
Travel medical: 21 days if 64 or under ($2M) · 65+: first 4 days — among the best big-bank 65+ treatment
Rates: 21.99% purchases · 22.99% advances

Verified at TD · Jun 12

Frequently asked questions

How many TD cards does this compare?

We track 3 TD cards, with annual fees from $39 to $139. Every earn rate, welcome offer and fee is read from the issuer’s own page and dated on each card below — not pulled from an aggregator.

Should I pick a card just because it’s from TD?

No. Loyalty to one bank rarely gets you the best card. Compare the best card for your spending across all issuers on our best credit cards in Canada ranking, then come back if a TD card wins.

Are the offers and fees up to date?

Each card shows the date its figures were verified at the issuer (most recently June 12, 2026), and offers flagged “Ends soon” are within ~30 days of the issuer-stated expiry. Card terms change — always confirm on the issuer’s page (linked on every card) before you apply.

Compare across every issuer on the best credit cards in Canada ranking, or by what you spend on — cash back, travel and no-fee. Educational only, not financial advice; confirm terms at the issuer before applying.