TD Visa credit cards are financial products offered by Toronto-Dominion Bank, one of Canada's largest financial institutions. These cards serve various purposes, from earning travel rewards with Air Canada's Aeroplan program or flexible points via Expedia for TD to providing cash back on everyday purchases. Understanding the features, annual fees, and reward structures of TD's lineup helps Canadians evaluate which card may align with their spending habits and financial goals. The availability of cards with no annual fee, alongside premium options with extensive travel benefits, means there are options for different types of users.
Categories and Primary Uses of TD Visa Cards
TD Bank groups its Visa credit cards into several distinct categories based on their primary reward type and intended use. The Aeroplan lineup is designed for customers who frequently fly with Air Canada and wish to earn and redeem Aeroplan points for flights and travel. The travel rewards category, exemplified by the TD First Class Travel Visa Infinite, uses TD Rewards Points that are best redeemed for travel bookings through the Expedia for TD portal. For customers who prefer straightforward monetary returns, TD offers cash back cards that provide Cash Back Dollars which can be redeemed against the account balance. Individuals seeking to minimize costs might consider the no annual fee cards, such as the TD Rewards Visa, or the low interest rate cards intended for those who may carry a balance. The selection allows users to align a card's function with their spending patterns, whether that involves groceries, dining, travel, or recurring bills.
Key Features of Popular TD Visa Cards
The TD Aeroplan Visa Infinite Card carries a $139 annual fee and is positioned for Air Canada travellers. It offers a welcome bonus of up to 50,000 Aeroplan points and provides benefits like free first checked bags for up to eight travel companions on Air Canada flights. It includes a suite of travel insurance coverages. The TD First Class Travel Visa Infinite Card also has a $139 annual fee and focuses on flexible travel rewards through TD Rewards Points. It features a welcome bonus of up to 160,000 TD Rewards Points. Its notable perks include an annual $100 Expedia travel credit on bookings over $500, four complimentary airport lounge passes per year, and a birthday bonus of 10% of the points earned in the prior twelve months.
The TD Rewards Visa Card has no annual fee and earns TD Rewards Points. It provides 4 points per dollar on travel booked through Expedia for TD, 3 points per dollar on groceries, dining, and public transit, 2 points per dollar on recurring bill payments and streaming services, and 1 point per dollar on all other purchases. Redemption options include travel through Expedia for TD, Amazon.ca purchases, gift cards, or merchandise. The TD Cash Back Visa Infinite Card has a $139 annual fee and earns Cash Back Dollars. Cash back can be redeemed at any time with a minimum $25 redemption.
The TD Aeroplan Visa Infinite Privilege Card is a premium option with a $599 annual fee. Its welcome offer is up to $3,300 in value including up to 100,000 Aeroplan points. This card provides airport lounge access, faster access to Aeroplan Elite Status, priority boarding, and enhanced travel insurance. The TD Platinum Travel Visa Card offers a lower-cost travel rewards option with a welcome bonus of up to 50,000 TD Rewards Points and an annual fee rebate for the first year, providing a value of up to $370. For business customers, TD offers business credit cards that allow owners to invest back into their business with Cash Back Dollars or save on interest to grow with confidence.
Welcome Offers and Promotional Values
As of September 1, 2026, TD Visa credit cards feature various welcome offers that combine points or cash back with annual fee rebates. These offers are subject to eligibility conditions, which typically require being a new account holder and not having held a similar TD Aeroplan Visa card in the preceding twelve months. The stated total value includes both the points or cash and the first-year annual fee waiver. For the TD Aeroplan Visa Infinite Privilege Card, the offer is up to $3,300 in value including up to 100,000 Aeroplan points. The standard TD Aeroplan Visa Infinite Card offer is up to $1,900 in value including up to 60,000 Aeroplan points, travel benefits, and a first-year annual fee rebate for the primary cardholder and up to two additional cardholders. The TD First Class Travel Visa Infinite Card promotion provides up to $1,400 in value including up to 160,000 TD Rewards Points and a first-year annual fee rebate for the primary cardholder and up to four additional cardholders.
- TD Aeroplan Visa Infinite Privilege: Up to $3,300 value, up to 100,000 Aeroplan points.
- TD Aeroplan Visa Infinite: Up to $1,900 value, up to 60,000 Aeroplan points, fee rebate for primary and two additional cardholders.
- TD First Class Travel Visa Infinite: Up to $1,400 value, up to 160,000 TD Rewards Points, fee rebate for primary and four additional cardholders.
- TD Platinum Travel Visa: Up to $370 value, up to 50,000 TD Rewards Points.
- TD Rewards Visa: $50 value in TD Rewards Points for Amazon.ca purchases, no annual fee.
- TD Low Rate Visa: 0% promotional interest on purchases for first 6 months, annual fee rebate first year.
- TD Aeroplan Visa Platinum: Up to $500 value, up to 20,000 Aeroplan points, annual fee rebate first year.
These promotional values are effective as of the stated date, such as September 1, 2026, and are subject to change. The offers include an annual fee rebate for the first year for the primary cardholder. For some premium cards, this annual fee rebate also extends to additional cardholders. Conditions apply to all these offers. Furthermore, the award of any bonus points is subject to the specific terms and conditions of the respective reward program, like the Aeroplan program.
Eligibility and Application Process
To apply for a TD Visa credit card, an individual must meet the bank's creditworthiness criteria, which includes income requirements and a credit check. Specific eligibility for welcome bonuses often includes not having opened a similar TD Aeroplan Visa card account in the last twelve months. The application can be started online by selecting the Apply online button on the TD Canada Trust website. Current TD customers can log in using their EasyWeb username or access card number to begin the application. New customers to TD can also start an application quickly without an existing account. The process involves answering questions about income, spending habits, and financial goals to help identify compatible cards. Upon approval, cardholders can manage their accounts online, add additional cardholders, and set up pre-authorized payments. TD also offers a CardFinder tool that asks a few simple questions to help users find an ideal credit card in Canada without affecting their credit score or requiring a Social Insurance Number.
Annual Fee Waiver with TD Banking Plans
A distinctive feature of TD Visa credit cards is the potential to have the annual fee waived on many premium cards. This is available to customers who also hold a TD All-Inclusive Banking Plan. The banking plan itself requires a minimum balance of $5,000 in the linked chequing account at all times to avoid the monthly account fee. If this condition is maintained, the annual fee for the associated premium credit card is rebated. This arrangement can provide significant value by effectively offering both a premium banking account and a premium credit card without their standard fees. It is important to note that this waiver applies to the annual fee on the card, but all other card terms, interest rates, and reward structures remain unchanged. This benefit makes TD credit cards particularly appealing for customers who can maintain the minimum balance, as it offsets the cost of the card's annual fee.
Redemption Values and Considerations
The value obtained from TD Visa card rewards depends heavily on the redemption method chosen. For TD Rewards Points, the maximum value is achieved when redeeming for travel bookings through the Expedia for TD portal, where each point is worth $0.005. Redeeming points for other options, such as Amazon.ca purchases, gift cards, or merchandise, typically provides a lower value per point. For Aeroplan points earned with TD's Aeroplan cards, the average value for travel bookings is approximately $0.0144 per point, though this can vary based on the specific flight or redemption. Cash Back Dollars earned with TD cash back cards are redeemed at a one-to-one ratio against the Canadian dollar, with a minimum redemption amount of $25. A key consideration for travellers using TD's travel rewards cards is that they do not waive foreign transaction fees, which are typically 2.5% on purchases made in a foreign currency. This means using these cards abroad adds a cost that can reduce the net value of rewards earned on those purchases.
Another consideration is the flexibility of point transfers. TD Rewards Points are not transferable to airline or hotel partners outside of the Expedia for TD ecosystem. Aeroplan points, however, can be used within the broader Aeroplan program, which includes Star Alliance airline partners and non-flight rewards. The TD First Class Travel Visa Infinite card offers a unique birthday bonus where the cardholder receives 10% of the points they earned in the 12 months prior to their birthday added to their account. When comparing cards, the earn rates on specific categories like groceries, dining, and recurring bills are important, as they directly impact how quickly rewards accumulate based on an individual's spending patterns.
Comparison of Select TD Visa Card Features
The following table outlines key features of several prominent TD Visa credit cards, based on information effective September 1, 2026. It provides a direct comparison of annual fees and primary reward type. The table also highlights notable perks to illustrate the differences between card tiers. These tiers include Aeroplan, travel rewards, cash back, no fee, and low rate cards. Getting the right card involves comparing options that are compatible with your income, spending habits, and financial goals.
| Card Name | Annual Fee | Primary Reward Type | Notable Feature |
|---|---|---|---|
| TD Aeroplan Visa Infinite Privilege | $599 | Aeroplan Points | Airport lounge access, up to 100,000 point welcome bonus |
| TD Aeroplan Visa Infinite | $139 | Aeroplan Points | Free first checked bag for up to 8 companions on Air Canada |
| TD First Class Travel Visa Infinite | $139 | TD Rewards Points | Annual $100 Expedia travel credit, 4 lounge passes |
| TD Rewards Visa Card | $0 | TD Rewards Points | No annual fee, 4x points on Expedia for TD travel |
| TD Low Rate Visa Card | Varies | Low Interest | 0% promotional purchase rate for first 6 months |
| TD Platinum Travel Visa | First year rebated | TD Rewards Points | Welcome offer up to 50,000 points ($370 value) |
| TD Aeroplan Visa Platinum | First year rebated | Aeroplan Points | Welcome offer up to 20,000 points ($500 value) |
This comparison shows the trade-off between annual cost and reward potential or premium benefits. The premium cards with higher fees offer more extensive travel insurance, lounge access, and larger welcome bonuses, while the no-fee card provides a basic reward structure without the added cost. The Platinum-tier cards offer a middle ground with lower welcome bonuses and annual fees that are rebated in the first year. The value of a single TD Rewards point is $0.005 for travel purchases on Expedia for TD, while the average value of an Aeroplan point is $0.0144 for travel bookings, which influences the real-world value of each card's rewards.
Mobile Payments and Additional Cardholder Features
TD Visa credit cards can be used with TD Mobile Payment for Android devices, making daily purchases more efficient. At the point of sale, a user opens the TD app on their phone, selects the credit card they wish to use or sets a default card, and holds the device over the terminal to complete the transaction. This method provides a quicker way to pay without needing the physical card. Cardholders can also add Additional Cardholders to their account, which is a feature highlighted in some welcome offers that provide annual fee rebates for multiple users. Setting up Pre-Authorized Payments for bills is another management feature available through the online account. For business credit cards, the benefits include separating business expenses from personal ones, simplifying bookkeeping, building business credit, and earning rewards. These features enhance the utility of a TD Visa card beyond simple spending and rewards accumulation.
Frequently asked questions
What is the best way to get value from TD Rewards Points?
The highest value for TD Rewards Points is achieved by redeeming them for travel bookings through the Expedia for TD portal, where each point is worth $0.005. Redeeming points for other options like Amazon purchases or gift cards generally provides a lower value per point. Therefore, cardholders who travel and use the Expedia platform can maximize the return on their spending. The TD First Class Travel Visa Infinite card offers a top earn rate on Expedia for TD bookings.
Can I get the annual fee waived on a TD Visa credit card?
Yes, the annual fee on many premium TD Visa cards can be waived if you also hold a TD All Inclusive Banking Plan. To avoid fees on the banking plan itself, you must maintain a minimum balance of $5,000 in the linked chequing account at all times. If this condition is met, the annual fee for the associated credit card is rebated. This allows you to have both a premium card and bank account without paying their respective fees.
How do I apply for a TD Visa credit card?
Applications can be started online on the TD Canada Trust website by selecting the Apply online button. Current TD customers can log in with their EasyWeb username or access card number to begin the application. New customers can also apply without an existing account, as getting started is quick and easy. The process involves answering a few simple questions to help find your ideal card, followed by a credit check upon submission.
What is the welcome offer for the TD First Class Travel Visa Infinite card?
As of September 1, 2026, the welcome offer for the TD First Class Travel Visa Infinite card is up to $1,400 in total value. This includes up to 160,000 TD Rewards Points and a rebate of the first year's annual fee. Eligibility conditions apply, such as being approved for a new account while the offer is in effect. This offer is one of the best welcome bonuses available for a TD credit card.
Do TD travel credit cards have foreign transaction fees?
TD's travel credit cards do not waive foreign transaction fees. Purchases made in a foreign currency, such as U.S. Dollars, are subject to a credit card foreign currency conversion fee. This is an important consideration for frequent travellers, as the typical fee is 2.5 percent. For example, the TD First Class Travel Visa Infinite card lacks this fee waiver, and a cardholder may need another card from a different issuer to avoid this cost. This detail is noted in analyses of TD's card offerings for Canadian consumers.
What is the difference between TD Aeroplan cards and TD Rewards cards?
TD Aeroplan cards, like the TD Aeroplan Visa Infinite, earn Aeroplan points which are Air Canada's loyalty currency, ideal for redeeming on airline travel and with its partners. TD Rewards cards, like the TD Rewards Visa, earn flexible TD Rewards Points redeemable for travel bookings through Expedia for TD, or for Amazon purchases and gift cards. The redemption value differs, with Aeroplan points averaging about $0.0144 for travel, while TD Rewards points are valued at $0.005 for Expedia travel. Each card family targets different spending habits, with Aeroplan for Air Canada fliers and TD Rewards for flexible, general travel and shopping.
Sources and further reading
- Best TD Credit Cards in Canada | TD Canada Trust td.com
- The best TD credit cards in Canada 2026 ratehub.ca
- Best TD Bank Credit Cards in Canada nerdwallet.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.