TD Bank has over 1,000 branches across Canada and provides a diverse range of credit cards, ranging from low-cost cards with straightforward perks to premium cards with a broad suite of complimentary perks. Learn more about the types of TD credit cards that are available, and find out what you need to qualify.
Key takeaways
TD offers no annual fee, low rate, cash back, business and US dollar credit cards, as well as TD Rewards Points and Aeroplan points credit cards.
TD credit card benefits include convenient online and mobile banking, secured transactions and, for many cards, rewards points or cash back on your spending.
Eligibility requirements include being the age of majority and a resident of Canada. Be prepared to provide personal and financial details when you apply.
What are the types of TD credit cards?
TD Bank offers cards with no annual fees or low rates for those who want to keep their costs down as well as higher-tier perks for frequent spenders who find the associated costs worthwhile.
Choose between TD credit cards that offer specific benefits like cash back, Aeroplan Miles, TD Rewards Points, complimentary travel benefits and more. Here’s a summary of each of the main types of TD Bank credit cards available in Canada:
Travel Rewards credit cards
TD Bank offers a few different travel rewards credit cards like the TD First Class Travel Visa Infinite Card that allow you to earn points on your purchases and enjoy flexible travel redemption for flights, hotels and other trip-related expenses. These cards also typically offer travel medical and lost or delayed baggage insurance and car rental discounts.
Aeroplan points credit cards
In addition to earning Aeroplan points on every dollar spent, some TD Aeroplan credit cards like the TD Aeroplan Visa Infinite Card or the TD Aeroplan Visa Infinite Privilege Card let you earn accelerated points on eligible purchases in specific categories, like gas/EV charging, groceries or flights.
These cards typically charge an annual fee, but they offer jet-setters a broad suite of travel insurance, airport lounge access and access to luxury travel experiences, plus generous welcome offers. Learn more about Air Canada’s Aeroplan program
Cash back credit cards
With a TD cash back credit card, you can earn back some of what you spend. Once you reach a certain threshold of rewards, you can redeem your cash back earnings to pay down purchases (the minimum redemption amount is $1) or your credit card balance (the minimum redemption amount is $25). Cards like the TD Cash Back Visa Infinite Card may offer a higher cash back rate for certain categories like groceries, gas/EV charging, recurring bill payments and streaming.
No Annual Fee credit cards
Designed to help you keep costs down, TD’s no annual fee credit cards like the TD Cash Back Visa Card and the TD Rewards Visa Card come with fewer perks than their premium counterparts, but you can still earn cash back or TD Rewards Points (which can be redeemed for travel bookings through Expedia For TD, Amazon purchases, Starbucks Stars, statement credit or payments towards your card purchases).
Low Rate credit cards
If you tend to carry a balance from month to month, you may consider getting the TD Low Rate Visa Card, which comes with a modest annual fee, car rental discounts, accelerated Starbucks rewards and (occasionally) special offers for new cardholders.
Business credit cards
A variety of business credit cards are offered by TD Bank, alongside dedicated business solutions including advice from TD advisors. Cards like the TD Aeroplan Visa Business Card come with a sizeable welcome offer and let you earn accelerated Aeroplan points, while other cards come with no annual fee for primary and secondary cardholders as well as low interest or cash back rewards.
US dollar credit cards
The TD U.S. Dollar Visa Card lets you make purchases in US dollars with no foreign currency conversion fees. This card is helpful if you make frequent cross-border trips, as it comes with insurance for trip interruptions, lost or delayed baggage and common carrier travel accidents. You’ll also have access to Emergency Travel Assistance Services.
What are the benefits of having a TD credit card?
Some of the features you can enjoy when you get a TD Bank credit card include:
Rewards on your purchases
Most TD credit cards pay rewards on the dollars you spend in the form of TD Rewards Points, Aeroplan points or cash back, making it easier to pay down your card balance or cut the cost of your next getaway, shopping haul or Starbucks run.
Complimentary extras
Many TD Bank credit cards come with complimentary perks, including Purchase Security and Extended Warranty Protection and auto rental discounts at participating Avis and Budget locations in Canada and the US.
Premium cards offer even more benefits, which may include travel insurance, auto rental insurance, concierge services, airport lounge access, Mobile Device Insurance and access to exclusive experiences for Visa cardholders.
Convenient online & mobile banking
TD credit cardholders can manage their credit cards via EasyWeb Online Banking or the TD Canada mobile app (available for Android or iOS). Users can lock and unlock credit cards, block and unblock international purchases, set transaction limits and request credit limit increases. Additionally, the mobile app supports fingerprint and facial recognition login.
Other supported banking functions include paying bills, transferring money and depositing cheques into everyday bank accounts via mobile cheque deposit.
Security
TD Bank offers a host of security products with credit cards, such as chip and PIN technology, Visa Secure in-app authentication for online transactions and, for some cards, Purchase Security and Extended Warranty Protection.
TD Fraud Alerts alerts you via mobile phone from TD Bank if there is any suspicious or unusual card activity (including primary and additional cardholders). Compare Canada’s Big Banks
How to apply for a TD credit card
Before starting an application, make sure you meet the eligibility requirements for the specific credit card you want. Eligibility requirements vary between cards but generally include the following:
Eligibility requirements
Your age. You should be at least the age of majority in your province or territory (18 or 19).
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 before applying for a credit card. Most credit cards require a good to excellent score to apply, while some may accept poor or fair credit scores.
Information you may need to apply
After checking that you’re eligible for a TD credit card, you’ll need to gather the following details:
Personal information. Provide details like your name and contact information. You’ll also need to verify your identity by providing an accepted form of identification, such as a driver’s license or passport.
Financial information. This includes details about your employment, income and assets.
Frequently asked questions
TD credit cards like the TD Cash Back Visa Card, TD Rewards Visa Card and TD Low Rate Visa Card can be good options for students because they keep costs down. But TD does not offer a credit card exclusively branded for students.
Newcomers to Canada may want to consider the TD Cash Back Visa Card and TD Aeroplan Visa Platinum Card, as the former comes with a $0 annual fee and the latter lets you earn travel rewards and share Aeroplan points with up to eight family members. However, TD does not have any credit cards exclusively branded for newcomers to Canada.
TD credit cards come with contactless and chip payment technology, and most allow you to pay using digital wallets like Apple Pay, Google Pay and Samsung Pay.
You can request a TD credit card limit increase via phone, EasyWeb Online Banking or the TD Canada mobile app. After logging in to EasyWeb or the mobile app, select your credit card account, choose the option to request a credit limit increase and follow the prompts. Only the primary cardholder can request an increase, and you may not be approved for the limit you want.
To close your TD credit card account, you need to phone TD Credit Cards or visit your local TD branch. Your balance must be fully paid off before you can cancel your card.
Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.
Stacie Hurst is an editor at Finder, specializing in loans, banking, investing and money transfers. She has a Bachelor of Arts in Psychology and Writing, and she has completed FP Canada Institute's Financial Management Course. Before working in the publishing industry, Stacie completed one year of law school in the United States. When not working, she can usually be found watching K-dramas or playing games with her friends and family.
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Emma Balmforth is a producer at Finder. She is passionate about helping people make financial decisions that will benefit them now and in the future. She has written for a variety of publications including World Nomads, Trek Effect and Uncharted. Emma has a degree in Business and Psychology from the University of Waterloo. She enjoys backpacking, reading and taking long hikes and road trips with her adventurous dog.
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Earn TD Rewards Points and enjoy a suite of perks for travellers and frequent shoppers with the TD First Class Travel Visa Infinite card.
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