TD Credit Cards in Canada: Types, Features and Eligibility

TD Bank offers a range of Visa credit cards in Canada, including travel rewards, cash back, low rate, and no annual fee options. These cards provide various benefits such as Aeroplan points, TD Rewards Points, cash back earnings, and travel insurance. Understanding the specific features, eligibility requirements, and how to manage a TD credit card is essential for Canadian consumers. This guide explains the different card types, their associated benefits, and the practical details of application and use.

Types of TD Credit Cards

TD Bank categorizes its Visa credit cards into several distinct types based on their primary rewards structure and benefits. The Aeroplan cards are co-branded with Air Canada's loyalty program and are designed for travellers. These cards, such as the TD Aeroplan Visa Platinum, TD Aeroplan Visa Infinite, and TD Aeroplan Visa Infinite Privilege, allow cardholders to earn Aeroplan points on purchases. Some cards in this category offer accelerated point earnings on eligible purchases in specific categories like gas, electric vehicle charging, groceries, or Air Canada flights. The cash back cards provide a percentage of spending back to the cardholder. The TD Cash Back Visa Infinite Card offers a higher cash back rate for categories like groceries, gas, recurring bill payments, and streaming, with redemption possible against the card balance once a minimum of $25 is accrued. TD also offers no annual fee credit cards like the TD Cash Back Visa Card and the TD Rewards Visa Card, which provide basic rewards earning with fewer premium perks. For those concerned about interest costs, the TD Low Rate Visa Card features a lower ongoing purchase interest rate alongside a modest annual fee. TD provides business credit cards, including the TD Aeroplan Visa Business Card, and a specialized TD U.S. Dollar Visa Card for making purchases in U.S. dollars without foreign currency conversion fees.

TD Bank offers a variety of Visa credit cards tailored to meet different financial habits and goals. The main types include Aeroplan cards for earning Air Canada loyalty points and travel rewards. Other categories are cash back cards, no annual fee rewards cards, and low interest rate cards. TD also provides business credit cards and a U.S. Dollar Visa Card for spending in American currency.

Aeroplan Cards: Co-branded with Air Canada, these include the Platinum, Infinite, and Infinite Privilege tiers for earning travel points.
Cash Back Cards: Cards like the TD Cash Back Visa Infinite and TD Cash Back Visa Card return a percentage of spending as cash back.
No Annual Fee Rewards Cards: The TD Rewards Visa Card earns TD Rewards Points with no annual fee.
Low Rate Cards: The TD Low Rate Visa Card offers a lower interest rate for purchases, with a modest annual fee.
Business Cards: Products like the TD Aeroplan Visa Business Card are designed for business expenses and rewards.
U.S. Dollar Card: The TD U.S. Dollar Visa Card allows spending in U.S. dollars without foreign conversion fees.

Each TD credit card type has a distinct fee structure and reward currency. Aeroplan cards and premium cash back or travel cards typically charge an annual fee but offer accelerated rewards in specific categories. No annual fee cards like the TD Cash Back Visa Card or TD Rewards Visa Card come with fewer perks. Low rate cards like the TD Low Rate Visa Card feature a modest annual fee and a lower interest rate, which is suitable for those who may carry a balance.

Canada's 5 Best TD Credit Cards. Image: Prince of Travel

Key Features and Benefits

TD credit cards come with a suite of features that vary by card type and tier. Rewards earning is a central feature, with mechanisms including Aeroplan points, TD Rewards Points, or cash back. The value of a single TD Rewards point is $0.005 when redeemed for travel purchases on Expedia for TD, while the average value of an Aeroplan point is $0.0144 for travel bookings. Many cards offer welcome bonuses, such as earning 10,000 Aeroplan points after a first purchase, with an additional 10,000 points possible after spending $1,500 within 90 days of account opening. Complimentary insurance benefits are common, with premium cards offering travel insurance, auto rental collision damage waiver, and purchase security and extended warranty protection. Specific Aeroplan cards provide benefits like free first checked bags on Air Canada for the primary cardholder and up to eight companions, and a 15 percent discount on Air Canada flight rewards when points are redeemed. Cardholders of certain Aeroplan cards may also receive temporary benefits like a free Uber Pass membership for three months. Management tools are robust, allowing users to lock and unlock cards, block international purchases, set transaction limits, and request credit limit increases through EasyWeb or the TD Canada mobile app. The mobile app supports biometric login and mobile cheque deposit for linked bank accounts.

Beyond core rewards, TD credit cards offer specific promotional offers and partner perks. For example, some Aeroplan cards provide a welcome bonus of Aeroplan points after a first purchase and additional spending. Promotions can include a first-year annual fee rebate for the primary cardholder and up to three additional cardholders. Partner benefits may include free checked bags on Air Canada, discounts on Air Canada flight rewards, or a free Uber Pass membership for a limited time.

Welcome Bonus: Earn 10,000 Aeroplan points after your first purchase, plus an additional 10,000 points after spending $1,500 in the first 90 days.
Annual Fee Rebate: A first-year rebate for the primary cardholder and up to three additional cardholders on select cards, contingent on activation and first purchase within three months.
Air Canada Benefits: Free first checked bags for the primary cardholder and up to eight companions, and a 15% discount on Air Canada flight rewards.
Accelerated Earnings: Earn 1 Aeroplan point per $1 on Air Canada, gas, EV charging, and groceries, and 1 point per $1.50 on other eligible purchases on select cards.
Uber Pass: A free Uber Pass membership for three months for eligible Aeroplan cardholders, offering unlimited $0 delivery fees on eligible restaurant orders.
Double Points: Earn points twice when using a TD Aeroplan card and providing your Aeroplan number at over 150 partner brands and 170+ online retailers via the Aeroplan eStore.
Car Rental Discounts: Auto rental discounts at participating Avis and Budget locations in Canada and the U.S.
Mobile Device Insurance: Coverage for mobile devices is included with some premium TD credit cards.

These features enhance the value proposition of TD credit cards. For frequent travellers, benefits like airport lounge access, travel insurance, and accelerated point earning on Air Canada purchases are key. Cards also offer higher reward rates on everyday spending categories like gas, electric vehicle charging, and groceries. Such features make the cards particularly valuable for those whose spending aligns with these specific categories.

Best TD Credit Cards In Canada (2026) · Jordan Bishop on YouTube

Eligibility and Application Requirements

Eligibility for a TD credit card depends on the specific card product, but general requirements apply across most offerings. Applicants must be Canadian residents and meet the age of majority in their province or territory of residence. Minimum annual income thresholds are set for premium cards, such as the requirement for TD Aeroplan personal cards of a $60,000 annual personal income or a $100,000 annual household income. Applicants should not have opened a TD Aeroplan Visa Card account in the last 12 months to be eligible for certain welcome offers. The application process requires gathering specific personal and financial details. Applicants need to provide their Social Insurance Number, date of birth, and current residential address. Employment information, including employer name and annual income, is necessary, as are details of monthly housing costs. Applicants must also disclose the total balance of any existing loans or lines of credit. It is important to review the terms and conditions for the specific card, as interest rates, fees, and features are subject to change.

To apply for a TD credit card, you need to have specific documents and information ready. This includes personal details like your name, address, and date of birth. You will also need to provide your Social Insurance Number and information about your employment and annual income. For certain cards like the TD Aeroplan Visa Platinum, a minimum personal or household income is required for eligibility.

Social Insurance Number (SIN): Required for identity verification and credit checks.
Date of Birth: To confirm you meet the age of majority in your province.
Current Residential Address: Your full Canadian address for correspondence and verification.
Employment Information: Your employer's name and your annual income.
Monthly Housing Costs: The amount you pay monthly for your mortgage or rent.
Total Loan Balances: The outstanding balance of any existing loans or lines of credit.
Desired Credit Limit: The amount of credit you are requesting on the new card.

Having this information prepared can streamline the application process, whether you apply online or in person. The online application platform allows you to choose from personal, business, cash back, travel, and rewards credit cards. You can check the latest offers and apply directly on the TD Canada Trust website. Ensuring your information is accurate and complete helps facilitate a smoother approval process.

Best TD Credit Cards in Canada, October 2026 | Ratesopedia. Image: Ratesopedia

Annual Fees and Potential Rebates

Annual fees for TD credit cards range from $0 for basic no-fee cards to $599 for premium cards like the TD Aeroplan Visa Infinite Privilege. A notable feature for many TD premium cards is the potential to have the annual fee waived. TD will waive the annual fee on many of its premium cards if the primary cardholder also maintains a TD All-Inclusive Banking Plan. This plan requires maintaining a minimum balance of $5,000 in the linked chequing account at all times to avoid monthly account fees. Separate from the banking plan waiver, some cards offer a first-year annual fee rebate as a promotional offer. To receive this first-year rebate for the primary cardholder and up to three additional cardholders, the primary cardholder must activate the card and make the first purchase on the account within the first three months after account opening. Any additional cardholders must be added to the account within three months of account opening. The rebate is applied as a credit to the account within two monthly statements from the date the annual fee charge first appears. The terms and conditions for these offers, including the specific cards eligible for the rebate, are effective as of September 1, 2026, and are subject to change by the bank.

Managing Your TD Credit Card Account

Cardholders can manage their TD credit card through multiple digital channels. The primary platforms are TD EasyWeb Online Banking and the TD Canada mobile app, available for Android and iOS devices. Through these platforms, users can view statements and transactions, make payments, and set up pre-authorized payments. Security features include the ability to lock and unlock the credit card, block and unblock international purchases, and set transaction limits for added control. The TD mobile app supports fingerprint and facial recognition login for secure access. For making purchases, the TD Mobile Payment feature allows users with an Android device to make contactless payments by holding their phone over a point-of-sale terminal after selecting the card within the TD app. TD provides proactive monitoring through TD Fraud Alerts, which sends notifications to the cardholder's mobile phone if suspicious or unusual activity is detected on the card. If a card is damaged, lost, or stolen, cardholders must contact TD Credit Cards Customer Service at 1-800-983-8472 to report the issue and request a replacement.

The management capabilities of TD's digital platforms are extensive. Through TD EasyWeb Online Banking and the TD mobile app, cardholders can view transactions and pay bills. You can also lock or unlock your credit card and set transaction limits for added security. The mobile app supports TD Mobile Payment for contactless purchases and allows for mobile cheque deposits for linked accounts.

Lock/Unlock Card: Instantly disable or enable your credit card for transactions.
Block International Purchases: Turn on or off the ability for the card to be used outside Canada.
Set Transaction Limits: Establish spending limits for different types of transactions.
Request Credit Limit Increases: Submit a request to raise your card's credit limit.
Mobile Cheque Deposit: Deposit cheques into linked TD bank accounts using the app's camera.
Biometric Login: Use fingerprint or facial recognition to access the mobile app securely.
View Real-Time Transactions: See pending and posted purchases as they occur.
Set Up Pre-Authorized Payments: Schedule automatic payments for your credit card bill.

These tools provide TD cardholders with significant control over their account security and day-to-day management. Features like locking a card or blocking international purchases help prevent unauthorized use. The ability to set transaction limits and request credit limit increases offers personalized financial control. The platforms also provide access to statements, reward balances, and the ability to add authorized users.

Definitive Guide: Aeroplan Premium Credit Cards | Frugal Flyer. Image: Frugal Flyer

Welcome Offers and Bonus Points

TD frequently provides welcome offers on select credit cards, particularly on its Aeroplan and premium travel cards. A common offer for the TD Aeroplan Visa Platinum Card includes a welcome bonus of 10,000 Aeroplan points after the first eligible purchase is made on the new account. An additional bonus of 10,000 Aeroplan points may be available if the cardholder makes $1,500 in net purchases on the account within 90 days of account opening. These bonus points are awarded subject to the Aeroplan Program's general terms and conditions, which state that bonus points may not be issued or may be revoked under certain circumstances. One specific condition is that welcome points may not be awarded if the applicant has previously received welcome or incentive Aeroplan points for opening a new Aeroplan credit card account with TD or another issuer of the same card category type within a defined period. The offers are for a limited time and have specific eligibility conditions that must be met exactly as outlined in the offer terms. The bonus points and any associated annual fee rebate are subject to the account being in good standing at the time the rewards are to be issued or the rebate is to be applied.

Considerations for Specific Groups

While TD does not offer credit cards exclusively branded for students or newcomers to Canada, certain existing card products may suit their needs. For students, cards like the TD Cash Back Visa Card, TD Rewards Visa Card, and TD Low Rate Visa Card can be options because they have no annual fee or a low annual fee, helping to keep costs down. These cards provide a way to build credit history without significant upfront expenses. For newcomers to Canada, the TD Cash Back Visa Card with its $0 annual fee can be a straightforward starting point. The TD Aeroplan Visa Platinum Card may also be considered, as it allows Aeroplan points to be shared with up to eight family members, which can be beneficial for families that travel. Neither group has access to special application pathways, so they must meet the standard eligibility criteria, including proof of Canadian residency and the required minimum income for the chosen card. All applicants should carefully review the income and residency requirements before applying. The bank also offers dedicated business solutions and advice from TD advisors for entrepreneurs and business owners seeking a corporate card.

Insurance and Protection Benefits

Many TD credit cards, especially premium ones, include a package of insurance and purchase protection benefits at no extra cost. These benefits are designed to provide financial security and convenience for cardholders. Common insurance types include Travel Medical Insurance, which can cover emergency medical expenses while travelling outside your home province. Trip Interruption Insurance can reimburse you for non-refundable trip costs if a trip is cut short due to a covered reason. Lost or Delayed Baggage Insurance provides coverage for essentials if your baggage is delayed or compensation if it is lost. Auto Rental Collision/Loss Damage Waiver acts as primary insurance for damage to or theft of a rental vehicle when the rental is charged to the card. Purchase Security and Extended Warranty Protection insures eligible new purchases against damage or theft for a limited period and can extend the manufacturer's original warranty. Mobile Device Insurance, available on some premium cards, covers repair or replacement costs if your cell phone is damaged or stolen. It is crucial to review the specific guide to benefits for your card to understand coverage limits, exclusions, and the steps required to file a claim. The TD U.S. Dollar Visa Card, for example, includes insurance for trip interruptions, lost or delayed baggage, and common carrier travel accidents, along with access to Emergency Travel Assistance Services.

Frequently asked questions

How do I manage my TD credit card online?

You manage your TD credit card online through TD EasyWeb Online Banking or the TD Canada mobile app. These platforms allow you to view transactions, pay bills, and monitor your account. You can also lock or unlock your card, block international purchases, and set transaction limits for security. The mobile app supports TD Mobile Payment for contactless purchases and features like mobile cheque deposit and biometric login.

Can students or newcomers to Canada get a TD credit card?

TD does not offer credit cards exclusively for students or newcomers. However, students may consider no-fee or low-fee cards like the TD Cash Back Visa Card. Newcomers may look at the same no-fee cash back card or the TD Aeroplan Visa Platinum Card. All applicants must meet the standard eligibility criteria, including Canadian residency and minimum income requirements for the specific card.

What are the main types of TD credit cards?

The main types of TD credit cards are Aeroplan cards, cash back cards, no annual fee rewards cards, low rate cards, business cards, and a U.S. Dollar Visa Card. Aeroplan cards like the TD Aeroplan Visa Infinite earn points for Air Canada travel and offer accelerated earnings in specific categories. Cash back cards such as the TD Cash Back Visa Infinite return a percentage of spending. No annual fee options include the TD Rewards Visa Card for earning TD Rewards Points. Low rate cards like the TD Low Rate Visa Card feature a lower interest rate. TD also provides business credit cards and a U.S. Dollar Visa Card for spending in US currency without conversion fees.

How can I get the annual fee waived on a TD credit card?

You can get the annual fee waived on many premium TD credit cards by holding a TD All Inclusive Banking Plan. To avoid the monthly fee on that plan, you must maintain a minimum balance of $5,000 in the linked chequing account. Some cards also offer a promotional first year annual fee rebate. For example, on certain Aeroplan cards, the primary cardholder and up to three additional cardholders can receive a fee rebate if the primary cardholder activates the card and makes a first purchase within three months of account opening.

What is required to be eligible for a TD Aeroplan credit card?

Eligibility for a TD Aeroplan personal credit card requires you to be a Canadian resident and meet the age of majority in your province. Specific cards often require a minimum annual personal income of $60,000 or a household income of $100,000. To qualify for welcome bonus offers, you typically must not have opened any TD Aeroplan Visa Card account, such as a Platinum, Infinite, Infinite Privilege, or Business card, in the last 12 months. Approval is always at the sole discretion of TD Bank.

What should I do if my TD credit card is lost or stolen?

If your TD credit card is lost or stolen, you must contact TD Credit Cards Customer Service at 1 800 983 8472. A representative will assist you in reporting the incident, which will block the card to prevent any unauthorized transactions. They can also initiate the process to order a replacement card for you. It is important to act quickly to minimize potential liability for fraudulent charges.

Sources and further reading

Credit Cards | TD Canada Trust td.com
TD Aeroplan Personal Credit Cards aircanada.com
The best TD credit cards in Canada 2026 ratehub.ca
Compare TD Credit Cards finder.com

This article explains how things work and is not financial, tax or legal advice. Rules, limits and rates change, so check the current figures with the Canada Revenue Agency, your province or your financial institution before you act.