The Best TD Credit Cards – May 2026

Q: What is the best TD Visa credit card in Canada?

TD Bank offers several TD Visa credit cards such as:- TD First Class Travel® Visa Infinite* Card; - TD Platinum Travel Visa* Card; - TD Cash Back Visa Infinite* Card; The best-known TD Visa credit card is the TD® Aeroplan® Visa Infinite* Card. Every TD Visa credit cards offer sign-up bonuses. And most have a first-year annual fee rebate.

Q: Which is the best TD Visa credit card Aeroplan?

The best TD Visa credit card Aeroplan is the TD® Aeroplan® Visa Infinite* Card. Especially since it generally offers a rebate on annual fees in the first year.If you're looking for a TD credit card Aeroplan offering premium benefits with Air Canada, you could choose the TD® Aeroplan® Visa Infinite Privilege* Credit Card. You'll enjoy benefits such as priority check-in and priority boarding on your Air Canada flights. You'll also have access to Air Canada's Maple Leaf lounges.Finally, the TD® Aeroplan® Visa Platinum* Credit Card requires no minimum income.You can use your points on Aeroplan, Air Canada's frequent flyer program, to book flights with Air Canada or other Star Alliance partners.

The Best TD Credit Cards – May 2026

Below are the best credit card offers from TD Canada Trust:

The Best TD Aeroplan Credit Cards
The Best TD Travel Credit Cards
The Best TD Cash Back Credit Cards
Other TD credit cards
The best low-interest TD credit card

Here is a table summarizing the different offers.

For more details, read on or click on the name of a card.

TD Travel Rewards Credit Cards

Here are the best TD credit cards from TD Rewards:

TD First Class Travel® Visa Infinite* Card

With the TD First Class Travel^® Visa Infinite* Card, you can get up to 165,000 TD Rewards points^†and a rebate on the annual fee for the first year:

20,000 TD Rewards points for the first purchase made with your Card^†
145,000 TD Rewards points if you spend $7,500 within 180 days of opening^†
A birthday bonus of up to 10,000 TD Rewards points^†

Plus, get an Annual Fee Rebate for the first year.^† This is the highest offer we have ever seen!

With the TD First Class Travel^® Visa Infinite* Card, you earn:

8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
6 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit^†
4 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
2 TD Rewards Points for every $1 you spend on other Purchases made using your Card^†

This TD credit card is one of the best TD travel rewards cards. As of April 30, 2025, it now offers access to airport lounges with 4 free visits per year.

TD Aeroplan Credit Cards

Here are the best TD Aeroplan credit cards:

TD® Aeroplan® Visa Infinite* Card

With this offer for the TD Aeroplan Visa Infinite* Card, you can earn up to 45,000 Aeroplan points^† and no annual fee for the first year :

Get a Welcome Bonus of 10,000 Aeroplan points when you make your first purchase with your new card^†.
Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening^†.
Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of account opening^†.
Apply for the NEXUS program and, every 48 months, receive a rebate (up to C$100) on the application fee^†.
Plus, share free first checked bags with up to 8 travel companions^†
Get an annual fee rebate for the first year^†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.

It’s the best TD credit card for occasional Air Canada travellers. With the TD^® Aeroplan^® Visa Infinite* Card, you earn 1.5 points^† per eligible dollar spent on:

Grocery stores
Gas stations, including gasoline and EV charging
Air Canada purchases, including Air Canada Vacations

TD® Aeroplan® Visa Infinite Privilege* Credit Card

With TD^® Aeroplan^® Visa Infinite Privilege* Credit Card, you can earn up to 85,000 Aeroplan points^†:

20,000 Aeroplan points when you make your first purchase with your new card^†
35,000 additional Aeroplan points when you spend $12,000 within 180 days of account opening^†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening^†
Apply for the NEXUS program membership and once every 48 months get an application fee rebate (up to $100 CAD)^†
Access to Air Canada Maple Leaf lounges^†
6 annual visits to airport lounge members of the Visa Airport Companion^† Program hosted by Dragonpass International Ltd.
Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight^†

It’s the best TD credit card for Air Canada frequent flyers.

With the TD^® Aeroplan^® Visa Infinite Privilege* Credit Card, you earn 1.5 points^† per eligible dollar spent on:

Grocery stores and restaurants
Gas station, including fuel and EV charging
Travel and public transit

And 2 points^† per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points^† per dollar.

TD® Aeroplan® Visa Platinum* Credit Card

With the TD^® Aeroplan^® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and get a first-year annual fee rebate:

10,000 Aeroplan points for the first purchase made with your card^†
10,000 additional Aeroplan points when you spend $1,500 within the first 90 days of opening your account^†
First-year annual fee waived for primary cardholder (instead of $89)^†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.

With the TD^® Aeroplan^® Visa Platinum* Credit Card, you earn 1 point per dollar spent on eligible purchases for:

Grocery stores
Eligible purchases of gas or electric vehicle charging
Air Canada purchases, including Air Canada Vacations

This TD Aeroplan credit card requires no minimum income.

TD Cash Back Credit Cards

Here are the best TD credit cards for cash back:

TD Cash Back Visa Infinite* Card

With the TD Cash Back Visa Infinite* Card, you earn 3% in Cash Back Dollars on:

Grocery stores
Gas, EV charging and public transit
Recurring bills, streaming services, digital media and games

And 1% cash back on all other purchases.

It’s the best TD cash back credit card, especially for gas purchases.

With this new welcome offer, you could earn 10% cash back on gas and grocery purchases and pre-authorized payments for the first three months (up to $3,500 in purchases). So you can earn up to $350 cash back!

Plus, a first-year annual fee rebate for the Primary and Additional Cardholders.

Finally, you have good insurance coverage, such as travel medical insurance, delayed or lost baggage insurance, collision/loss damage insurance for car rentals and mobile device insurance.

No-Fee TD Credit Cards

Here are the best TD credit cards with no annual fee:

TD Low Interest Rate Credit Card

Awards earned in 2026

Best Travel Rewards Credit Card

Milesopedia 2026 Awards: Best Programs, Credit Cards, and Bank Accounts in Canada - 2026 Awards Best Credit Card with Travel Rewards

The TD First Class Travel^® Visa Infinite* Card is the best credit card for travel rewards in Canada in 2026 for these reasons:

8 points per dollar for travel purchases via Expedia for TD
$100 TD Annual Travel Credit
Travel and purchase insurance
Accepted at almost every retailer worldwide

Best Airline Credit Card

The TD^® Aeroplan^® Visa Infinite* Card is the best airline credit card in Canada in 2026 for these reasons:

Air Canada Benefits for Cardholders
Rewards earned with everyday purchases
Insurance when using Aeroplan points
Accepted at almost every retailer

Previous awards

Best Travel Rewards Credit Card

The TD First Class Travel^® Visa Infinite* Card is the Best Travel Rewards Credit Card in 2025 in Canada for these reasons:

8 points per dollar for travel purchases via Expedia for TD
$100 TD Annual Travel Credit
Travel and purchase insurance
Accepted at almost every retailer worldwide

Best Airline Credit Card

The TD^® Aeroplan^® Visa Infinite* Card is the Best Airline Credit Card in 2025 in Canada for these reasons:

Air Canada Benefits for Cardholders
Rewards earned with everyday purchases
Insurance when using Aeroplan points
Accepted at almost every retailer

Best Travel Rewards Credit Card

Milesopedia's Best Credit Cards in Canada for 2024 - Travel Rewards BestCreditCard Milesopedia 2024

The TD First Class Travel^® Visa Infinite* Card is the best credit card for travel rewards in 2024 in Canada for these reasons:

8 points per dollar for travel purchases via Expedia for TD
$100 TD Annual Travel Credit
Travel and purchase insurance
Accepted at almost every retailer worldwide

Best Aeroplan credit card

Milesopedia's Best Credit Cards in Canada for 2024 - Aeroplan BestCard Milesopedia 2024

The TD^® Aeroplan^® Visa Infinite* Card is the best Aeroplan credit card in 2024 in Canada for these reasons:

Air Canada Benefits for Cardholders
Rewards earned with everyday purchases
Insurance when using Aeroplan points
Accepted at almost every retailer

Frequently Asked Questions About TD Credit Cards

Here are some frequently asked questions in the milesopedia community about TD Visa credit cards.

What is the best TD Visa credit card in Canada?

TD Bank offers several TD Visa credit cards such as:

The best-known TD Visa credit card is the TD^® Aeroplan^® Visa Infinite* Card. Every TD Visa credit cards offer sign-up bonuses. And most have a first-year annual fee rebate.

Which credit bureau does TD Bank verify?

TD Bank surveys Equifax for all new TD Visa credit card applications.

Which is the best TD Visa credit card Aeroplan?

The best TD Visa credit card Aeroplan is the TD^® Aeroplan^® Visa Infinite* Card. Especially since it generally offers a rebate on annual fees in the first year.

If you’re looking for a TD credit card Aeroplan offering premium benefits with Air Canada, you could choose the TD^® Aeroplan^® Visa Infinite Privilege* Credit Card. You’ll enjoy benefits such as priority check-in and priority boarding on your Air Canada flights. You’ll also have access to Air Canada’s Maple Leaf lounges.

Finally, the TD^® Aeroplan^® Visa Platinum* Credit Card requires no minimum income.

You can use your points on Aeroplan, Air Canada’s frequent flyer program, to book flights with Air Canada or other Star Alliance partners.

What is the best TD Visa credit card with travel rewards?

The best TD Visa credit card with travel rewards is the TD First Class Travel^® Visa Infinite* Card.

Alternatively, the TD Platinum Travel Visa* Card is also a great TD credit card with travel rewards and no minimum income requirement. You can redeem points with Expedia for TD or for any purchase charged to your TD credit card.

What is the best TD cash back credit card?

The TD Cash Back Visa Infinite* Card is the best TD cash back credit card. And if you want a no-annual-fee TD credit card with cash back, you could get the TD Cash Back Visa* Card.

What rewards programs are available for TD credit cards?

TD offers Visa credit cards linked to several rewards programs:

Aeroplan
TD Rewards – Travel Rewards
Cash Back

Most TD credit cards offer a first-year annual fee rebate.

Can I have a TD credit card without being a customer?

Of course! You can apply for any of the TD credit card offers on this page without being a TD Bank chequing customer! In addition, most of these credit card offers have a first-year annual fee rebate.

And with the TD app, you can easily check your TD credit card balance at any time. It can also be convenient to quickly pay off your credit card if you have made cash advances from your TD Credit Card.

How can I increase my TD credit limit?

If you wish to increase the limit on your TD Credit Card, please contact TD Customer Service directly. Often, a review of your financial record and a good payment history can work in your favour.

How do I pay my TD credit card?

To pay with your TD credit card, you can use the online payment option via the TD website or mobile app, set up automatic payments, or make a payment directly at a branch. Always be sure to check details and due dates to avoid additional charges.

How can I check my credit rating with TD?

Some TD credit card customers can access their credit rating free of charge via TD’s online services. Log in to your account to check if this option is available to you.

What is Expedia for TD?

Expedia for TD is a partnership between TD and Expedia, offering holders of certain TD credit cards the opportunity to redeem their reward points for travel booked on Expedia. This gives you the flexibility to plan trips while enjoying your rewards.

What are the advantages of TD credit cards?

TD credit cards offer a wide range of benefits, depending on the type of card you have. Some benefits include reward points for purchases, cash back, travel benefits such as insurance, and competitive interest rates. Each card has its own particularities, so it’s important to choose the one that best suits your needs.

Why choose a TD credit card?

Choosing a TD Credit Card means choosing a recognized financial institution with a solid reputation. TD offers a wide range of cards adapted to the different needs of consumers, whether for travel, business or everyday expenses. What’s more, TD offers excellent customer service and efficient online tools to manage your account with ease.

What are the interest rates on TD credit cards?

Most TD Visa credit cards have the following interest rates at Quebec:

Interest rate for purchases: 20.99%
Interest rate for cash advances: 20.99%
Interest rate for balance transfers: 20.99%

Apart from Quebec, interest rates are as follows:

Interest rate for purchases: 20.99%
Interest rate for cash advances: 22.99%
Interest rate for balance transfers: 22.99%

The TD Rewards Visa* Card has an interest rate for purchases of 19.99%.

We recommend that you pay your TD credit card balance in full with each monthly statement, and avoid making cash advances on your TD credit card.

If you take cash advances from your TD Credit Card, you may be subject to high fees.