TD

Earn Cash Back Dollars. Redeem them to help pay down your Account balance.

  • Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases.
  • Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card.
  • Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply. Conditions Apply.
  • Save with Avis Rent A Car and Budget Rent A Car: Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Optional TD Auto Club membership for 24/7 emergency roadside assistance.
  • Purchase insurance and extended warranty protection - You automatically benefit from Purchase Insurance and Extended Warranty Protection, which covers most personal items purchased with your card that are stolen or damaged within 90 days of purchase.
Legal
Terms and conditions apply.
Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries1%
  • Gas1%
  • Local Transport1%
Value
  • Year 1 $180
  • Year 2+ $180
Best For
Transfer Partners
  • Cash Back

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

Get a promotional interest rate of 0% on your purchases for the first 6 months after account opening. Conditions Apply. Offer effective as of June 4, 2025.

Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.

  • Save on interest with a low annual interest rate of 12.90% (13.90% in Quebec) on purchases and cash advances.
  • Option to purchase Travel Medical Insurance and Trip Cancellation/Trip Interruption Insurance.
  • Earn more Starbucks Stars at participating Starbucks® stores. Conditions Apply.

Enjoy all the benefits of your TD Low Rate Visa* Credit Card when you use Apple Payor Samsung Pay. It's an easy and secure way to pay.

Legal

Terms and conditions apply.

Annual Fee
  • Primary card $25
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Value
  • Year 1
  • Year 2+
Best For

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
  • No annual fee
  • Purchasing insurance
  • Mobile Device Insurance
Learn More

Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) when you spend $500 within 90 days of Account opening. Conditions Apply.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD
  • Earn 3 TD Rewards points per dollar spent on grocery, restaurant and public transit purchases
  • Earn 2 TD Rewards points per dollar on recurring bill payments and purchases of streaming services as well as games and digital media
  • Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card
  • Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions Apply.
Legal

Terms and conditions apply.

Annual Fee
  • Primary card $0
  • Additional card $0
Annual Income Required
  • Individual $0
  • Household $0
Conversion fees
  • 2.5 %
Earning Rate
  • Groceries3TD Rewards Points
  • Dining and Food delivery3TD Rewards Points
  • Local Transport3TD Rewards Points
Value
  • Year 1 $281
  • Year 2+ $205
Best For
Transfer Partners
  • TD Rewards

Advantages

  • Annual Credit
  • VIP Lounges
  • Concierge
  • Wifi
  • Travel credit

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance

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