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.
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.
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. Once you reach a certain threshold of rewards, 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 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, such as 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 offers 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:
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 license 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 offers 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.
You will be sent your new TD credit card in the mail. Once it arrives, call the toll free number on the card to activate it. Once your card has been activated, you can immediately use it.
Navigate to the secure TD Online Banking website or use the TD mobile app.
Interest is calculated daily if you hold a balance on your credit card. You will be charged monthly for the total amount of interest.
You can receive your monthly statement in the mail or check it online via the TD Online Banking app or website.
All TD credit cards allow you to use Apple Pay and “Tap & Go” methods on contactless debit/credit machines. When available, you can use Visa Checkout online to speed up and simplify the checkout process.
You can increase your credit card limit by contacting TD directly. You can contact TD either online, via the telephone or visit a branch in person. Alternatively, you can also decrease your credit card limit if you wish by contacting TD.
You will automatically be sent a new credit card in the mail.
To close your TD account, you can navigate to your online banking and close your credit card account. You will need to pay off your balance first. You can also call TD or visit a branch in person to receive help with closing a specific account.
TD offer a variety of different products to customers including bank accounts, mortgages, investment accounts, savings and borrowing options, insurance, business solutions and financial advice.
Emma Balmforth is a Producer at Finder. She is passionate about cryptocurrency, credit cards and loans, and enjoys helping people understand the often confusing world of finance. Emma has a degree in business and psychology from the University of Waterloo. She wants to help people make financial decisions that will benefit them now and in the future.
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