TD Credit Cards

TD offers a variety of credit cards that allow you to earn cash back, Aeroplan Miles and points which can be used towards discounts on travel and merchandise.

TD Bank

TD has hundreds of branches across Canada and provides a range of different credit cards suitable for every type of financial situation. Whether you are a student, a business owner, a frequent traveller or a big spender, there are credit cards suited for your spending needs. TD offer a variety of different credit cards including rewards, premium, student, balance transfer, zero fee and travel credit cards. Many TD credit cards offer complimentary perks, insurance, zero or low annual fees, low interest rates and points per dollar spent.

Read our guide to discover the different types of TD credit cards on the market, as well as the features and benefits of the different cards offered. Learn how to apply for a TD credit card and discover the eligibility requirements. Finally, we cover some of the most frequently asked questions when it comes to TD credit cards.

Compare TD credit cards

Name Product Reward Purchase Interest Rate Cash Advance Rate Annual Fee Minimum Income Minimum Credit Limit
Earn 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and aircanada.com purchases and 1 mile for every $1 spent elsewhere. T&C's apply.
19.99%
22.99%
$120
$60,000
$5,000
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 40,000 Aeroplan Miles (equivalent to 2 premium economy short-haul roundtrip flight rewards).
Earn 9 TD Points per $1 in travel booked online through Expedia for TD, and 3 points/$1 spent elsewhere.
19.99%
22.99%
$120
$60,000
$5,000
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 90,000 TD Points (a travel value of $450 when you book travel purchases through ExpediaForTD.com).
Get 3% cash back on eligible groceries, gas and bill payments and 1% cash back on all other purchases.
20.99%
22.99%
$120
$60,000
$5,000
Earn 10% cash back on all purchases for the first 3 months (up to a total spend of $2,000). Ends 1 December 2019.
Earn 1 Aeroplan Mile for every $1 spent on eligible grocery, gas and drugstore purchases and 1 mile for every $1.50 spent on other purchases.
19.99%
22.99%
$89
N/A
$1,500
Get up to 25,000 Aeroplan Miles (equivalent to 1 long-haul roundtrip flight reward) and pay no annual fee for the first year. Conditions apply. Ends 1 December 2019.
Earn 3 TD Rewards Points per $1 spent on travel booking via ExpediaForTD.com, 2 points when you book via phone, 2 points on grocery dining and bill payments and 1 point on all other spend.
19.99%
22.99%
$0
N/A
$500
Get 2x TD Rewards Points on all purchases up to a total of 10,000 TD Rewards Points when your account is active and in good standing for 90 days after account opening (excluding Quebec residents). Ends 1 December 2019.
Get the same low interest rates on all purchases and cash advances.
TD Prime¹ + 4.5% up to TD Prime + 12.75%
TD Prime¹ + 4.5% up to TD Prime + 12.75%
$25
N/A
$1,000
Get the same low variable interest rates on all purchases and cash advances. Excludes Quebec residents.
Get 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada purchases and 1.25 miles for every $1 spent elsewhere.
19.99%
22.99%
$399
N/A
$10,000
Get up to 60,000 Aeroplan Miles (equivalent to 2 business class short-haul roundtrip flight rewards) Conditions apply. Ends 1 December 2019.
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
19.99%
22.99%
$0
N/A
$500
Earn 1% in cash back on eligible groceries, gas, and bill payments and 0.5% in cash back on all other purchases.
Earn 5 TD Points per $1 in travel booked online through Expedia for TD, 3/$1 in grocery purchases and regularly recurring bill payments and 2/$1 on all other purchases.
19.99%
22.99%
$89
N/A
$1,000
Apply by December 1, 2019 to get an Annual Fee Rebate for the Primary Cardholder for the first year and earn up to 70,000 TD Rewards Points (a travel value of $350 when you book travel purchases through ExpediaForTD.com).
Make purchases in U.S. Dollars without credit card foreign currency conversion rates.
19.99%
22.99%
$39
N/A
$1,000
Make purchases in U.S. Dollars without credit card foreign currency conversion rates.

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*The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.

TD Bank versus TD Canada Trust: What’s the difference?

The Toronto-Dominion Bank provides a full range of financial products and services to Canadians through its Canada-based subsidiary, TD Canada Trust. It provides banking products and services to Americans through its US-based subsidiary, TD Bank.

TD Bank and TD Canada Trust logos

Even though TD Canada Trust and TD Bank are both owned by the same company, they are separate financial institutions. Banking conducted from Canada can only be done through TD Canada Trust, while banking conducted from the States can only be done through TD Bank. On this site, we review products and services offered by TD Canada Trust, but sometimes refer to it as TD bank for convenience. To learn more about TD’s cross-border banking solutions or to find out if a U.S.-based account is right for you, speak to a representative at your local branch.

Types of TD credit cards available

TD offer credit cards that suit a variety of different financial situations. Choose from credit cards that each offer specific benefits like extra perks, complimentary insurance, Aeroplan Miles, TD travel rewards, cash back, student benefits, low rates and zero fees. Here’s a summary of each of the main types of TD credit cards that are offered:

  • Balance Transfer credit cards

TD offer a low rate credit card that helps you to consolidate your debt and pay it off at a lower interest rate than many other competing credit cards. The same low interest rate applies for cash advances and purchases on your card.

  • Travel Rewards credit cards

TD offer a few different travel rewards credit cards that allow you to earn points per dollar spent. These cards offer travel insurance, flexibility and plenty of perks. You can redeem points for flights, hotels and other travel related expenses.

  • Aeroplan Miles credit cards

In addition to earning Aeroplan Miles with every dollar spent, you can earn more miles on eligible purchases which include gas and groceries. These cards typically come with a high annual fee, however they offer frequent travellers a suite of travel insurance, access to airport lounges and luxury travel experiences, plus thousands of welcome bonus points.

  • Cash Back credit cards

TD Cash Back credit cards give you cash back on all of your purchases. When you reach $25 or more, you can redeem the cash back to pay down your credit card balance. Cash back cards allow you to earn even more cash back dollars on eligible purchases, like gas and groceries, and they typically come with complimentary insurance.

  • No Annual Fee credit cards

Whether you want to earn cash back dollars or points that you can use toward merchandise, you can reap the benefits you want from a no annual fee credit card. With a $0 annual fee, these cards typically come with complimentary insurance.

  • Student credit cards

TD offer a host of credit cards tailored specifically for students. These cards typically come with zero or low annual fees and allow you to tailor the card for your spending needs and habits. Choose from cash back, rewards, travel perks and more with TD student credit cards.

  • Business credit cards

A variety of business credit cards are offered by TD, alongside dedicated business solutions including advice from TD advisors. These cards generally provide discounts, complimentary insurance, as well as protection and security.

  • US dollar credit cards

TD offer a US dollar credit card that allows you to make purchases in US dollars without facing any foreign currency conversion fees. This credit card comes with a host of different insurances including travel, auto rental and collision insurance. Furthermore, this card comes with Purchase Security and Extended Warranty Protection.

The benefits of banking with TD

Some of the features you can enjoy when you get a TD credit card include:

  • TD rewards

TD typically offer a specific type of reward depending on the credit card you choose. These rewards include cash back, points per dollar that you can use toward merchandise, Aeroplan Miles, TD travel rewards and more.

  • TD Internet and mobile banking

If you have a TD credit card, you can access your account online through TD Online Banking. You can also download the TD mobile app and access your credit card accounts via your smartphone. This means you can manage your credit card account, pay bills, send money transfers domestically and overseas, request a credit limit increase on your card or apply for another TD product at any time, either online or via the app.

  • TD credit card complimentary extras

Many TD credit cards come with complimentary extras including Purchase Security and Extended Warranty Protection. Premium cards, including black, gold and platinum credit cards, tend to come with additional complimentary extras which may include travel insurance, auto rental and collision insurance, concierge services, airport lounge access, luxury travel benefits and a suite of other extensive insurance coverage.

  • TD credit cards security

TD offer a host of security products with credit cards including Instant Alerts for fraudulent activity on your account, Chip & PIN technology, Purchase Security and Extended Warranty Protection. You can receive alerts on your phone from TD if there is any suspicious or unusual activity on your account.

How to apply for a TD credit card

Before you get started on your application, you should make sure that you meet the eligibility requirements for the specific credit card that you are interested in. Furthermore, have the necessary documents on hand so that you can correctly fill out the application form. Eligibility requirements can sometimes vary between credit cards but generally include the following:

Eligibility requirements

  • Your age. You should be the age of majority in your province or territory.
  • Your residency status. You typically need to be a Canadian resident to apply for a Canadian credit card.
  • Your credit history. Check your credit score if you are unsure of your credit history before applying for a credit card. Most credit cards will require you to have good to excellent credit, while some may accept fair to poor credit, depending on the specific credit card.

Information you will need for your application

After checking that you are eligible for the credit card, you will need to gather the following information in order to proceed with the application process:

  • Personal information. You’ll need to provide personal information such as your address and your contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as your driver’s licence number or passport number.
  • Financial information. You will need information about your current employment, income and assets like shares or property and your employer’s contact details. If you are self-employed, you may need to provide information regarding your expenses, liabilities and your accountant’s contact information.
TD offer a range of credit cards that suit all types of spending habits and financial situations. Whether you are an avid traveller or paying down a big debt, there are plenty of different credit card options that could work for you.

Frequently asked questions about TD credit cards

We’ve curated a list of some of the most commonly asked questions about TD credit cards. If you can’t find the answer to your question below, or if you’d like to leave us some feedback, get in touch with us by filling out the form at the bottom of this page.

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