The 6 Best TD Credit Cards
By Maude Gauthier | Published on 06 Jul 2023
Table of Contents
TD credit cards have something for everyone! The Toronto-Dominion Bank (TD), one of Canada’s largest banks, has been in the retail banking business since 1955. TD credit cards compare well with other banks. They will satisfy frequent travellers, Starbucks and Amazon fan, as well as people who prefer cash back. Here’s our list of the best TD credit cards for Canadians.
TD credit cards are distinguished by several attractive features. First, they offer competitive rewards programs that allow users to earn points or cash on purchases. TD also offers some of the best Aeroplan credit cards on the market. These rewards can then be redeemed for travel, products, services or cash back, offering flexibility to cardholders.
In addition, TD credit cards often offer special promotions, such as reduced interest rates, annual fee refunds or attractive welcome offers. These special offers can help customers save money or maximize their benefits.
TD First Class Travel Visa Infinite: Best for booking hotels and flights with Expedia
As you might guess from the title, the TD First Class Travel Visa Infinite card is perfect for travellers who like to be pampered. To qualify, you must have an annual personal income of at least $60,000 or a minimum household income of $100,000. In addition to its generous welcome offer, you’ll love the fact that the card is made from 90% recycled plastic. This should to satisfy your eco-friendliness!
How do I earn TD Rewards Points on this TD credit card?
With this TD credit card, you earn TD rewards points as you shop, which you can then redeem for travel and travel-related purchases. The base earn rate is 2 TD Points per $1. Want more? You can earn up to 8 points when you book travel with Expedia for TD, 6 points on groceries and restaurants, and 4 points on recurring bill payments. If you have a Starbucks Rewards Account, be sure to link your TD First Class Travel Visa Infinite to it because you get 50% more TD Points at Starbucks.
TD celebrates birthdays in style! You’ll receive an annual anniversary bonus of up to 10,000 points.
You can redeem the TD points you’ve earned for travel with either Expedia for TD (at the time of booking) or another provider (redeem within 90 days of purchase). Your points can also be used to cover expenses during your trip, such as an excursion. You also earn an annual $100 TD Travel Credit when you book travel with Expedia for TD.
Is something stopping you from travelling? You can use your points to make purchases at Amazon with Amazon’s Shop with Points program, or you can get cash back in your account. And remember, as long as you’re a cardholder, your points don’t expire.
What are the benefits of the TD First Class Travel Visa Infinite Credit Card?
The TD First Class Travel Visa Infinite card takes care of travellers. It comes with travel medical insurance that covers up to $2,000,000 for the first 21 days.
In the event of trip cancellation, the card offers up to $1,500 in coverage per insured person. In the event of trip interruption, this amount is increased to $5,000, for a total maximum of $25,000 for all insured people taking part in the trip.
You are also covered for up to $500,000 for accidents aboard a common carrier, such as a plane or train. You get emergency travel assistance services, delayed and lost baggage coverage.
If you decide to stay closer to home and take a few getaways, the card also offers collision and damage insurance for rental vehicles and a 5% to 10% discount on the lowest rates available at Avis and Budget.
TD Cash Back Visa Infinite Card: Best for enjoying the simplicity of cash back
[Offer productType=”CreditCard” api_id=”6334640861728a40bc5d854b”]The TD Cash Back Visa Infinite card is great for reducing your account balance! For example, if you make $2,000 in monthly purchases, you could earn up to $702 back in the first year. To get it, you must have an annual personal income of at least $60,000 or a minimum household income of $100,000.
How do I earn cash back on this TD credit card?
A cash back card is always an easy way to save money! With the TD Cash Back Visa Infinite card, you get 3% cash back on eligible grocery and gas purchases, as well as recurring bill payments that automatically charge your credit card account.
You also get 1% cash back on all other purchases made with your card. Your cash back dollars can be used to pay off your credit card balance.
You can choose to redeem points whenever you want! Your cash back dollars do not expire, as long as you keep your account open and in good standing.
What are the benefits of TD Cash Back Visa Infinite Card?
The TD Cash Back Visa Infinite card offers emergency roadside assistance with a complimentary TD Deluxe Auto Club membership. When you charge the full cost of a car rental to your TD credit card account, you’ll receive collision damage insurance for free. Need to rent a car? Take advantage of a 10% discount on the lowest rates available at Avis and Budget in Canada and the United States.
Another freebie? Visa Infinite Concierge Service when you travel, shop or use your card. Plus, if you have a Starbucks® Rewards account, hurry up and link your TD card to it. You’ll earn 50% more Stars.
You also get travel medical insurance covering up to $2,000,000 for the first 10 days abroad. You also have up to $1,000 of comprehensive coverage per insured person for essential purchases (clothing and toiletries) if your baggage is delayed for more than six hours or lost.
TD Aeroplan Visa Infinite Credit Card : Best for travelling with other people
The TD Aeroplan Visa Infinite card allows you to experience the world for less money while enjoying the benefits of Air Canada travel. To qualify, you must have a minimum annual personal of $60,000 or a minimum household income of $100,000.
How do I earn Aeroplan Points on this TD credit card?
With this card, you earn 1.5 points per dollar on gas, groceries and eligible Air Canada purchases made with your card. You also earn 1 point per dollar on all other card purchases. This card is one of the best Aeroplan credit cards becaure it lets you earn points faster than other major bank Aeroplan cards.
You can earn double the points by making purchases with your TD Aeroplan Visa Infinite card and presenting your Aeroplan Number at partner locations or in the Aeroplan eStore. Plus, if you have a Starbucks Rewards Account, link your card to it. You’ll earn 50% more Aeroplan Points. You can then redeem your points for any seat on any Air Canada flight, with no restrictions.
For example, book two round-trip premium economy flights from Montreal to Punta Cana after a year of spending $1,000 a month on gas and groceries and another $1,000 on other purchases.
Got any points left? You can redeem your points throughout your trip, whether it’s to pay for your hotel room or rent a car. The Aeroplan program not only offers travel, but also a variety of products, experiences and gift cards.
What are the benefits of the TD Aeroplan Visa Infinite Card?
TD Aeroplan Visa Infinite card holders and up to 8 of their travel companions on the same reservation will be able to check their first bag at no charge, provided the trip is initiated on an Air Canada flight. In addition, if you join NEXUS, which is designed to speed up border crossings in Canada and the U.S., you can receive a discount on your membership fee.
This card also offers a wide range of insurance. You can get superior benefits compared to other travel insurance policies:
- Medical insurance up to $2,000,000 for the first 21 days,
- Trip cancellation and interruption insurance
- Flight delay insurance up to $500 per insured person
- Delayed or lost baggage insurance
- Common carrier accident insurance†
- Hotel/motel theft insurance up to $2,500 per occurrence,
- Collision and damage insurance for rental vehicles and emergency travel assistance services.
With Visa Infinite, you can enjoy a wide range of experiences. For example, you have access to the Dining series, where you’ll make culinary discoveries with award-winning chefs. The card also lets you visit over 95 participating wineries in British Columbia, Ontario and Sonoma Valley, with discounts on wine purchases, complimentary tastings and a private vineyard tour. With the TD Aeroplan Visa Infinite card, you’ll never envy other travellers again!
TD Cash Back Visa Card: Best no-fee credit card
[Offer productType=”CreditCard” api_id=”633430eb01d7f34ba20cf549″]Discouraged by the qualification requirements for the first three TD credit cards? Don’t worry, the TD Cash Back Visa card is more accessible and still very attractive. To be eligible, you need to be a Canadian resident and the age of majority in your province or territory.
How do I earn cash back?
With the TD Cash Back Visa card, your grocery store, gasoline purchases and automatic recurring bill payments all earn 1% cash back. You also earn 0.5% cash back on all other card purchases. If you make approximately $2,000 in monthly purchases, you could earn about $180 back over the course of a year. You can also earn 50% more Stars at Starbucks if you link the card to your Starbucks account, just like with other TD credit cards.
For every $25 in cash back you earn, you can use it to pay down your account balance. Rest assured, your cash back dollars don’t expire, as long as your account remains open and in good standing.
What are the benefits of TD Visa Cash Back?
When you pay with your card, you automatically benefit from Purchase Security and Extended Warranty Protection, which covers most personal items purchased with your card that are stolen or damaged within 90 days of purchase. From now on, you can receive automatic fraud alerts on your cell phone when TD detects a suspicious transaction made with your card. In an emergency, you can also request a cash advance of up to $500.
TD Aeroplan Visa Platinum Credit Card: Best travel benefits with no minimum income
[Offer productType=”CreditCard” api_id=”64d29326c036007448102dec”]The only eligibility requirement for the TD Aeroplan Platinum Travel Visa is that you be a Canadian resident and have reached the age of majority in your province or territory of residence.
How do I earn points with TD Aeroplan Visa Platinum?
Point accumulation is easy to understand. You earn 1 point per $1 on all eligible gas, grocery and Air Canada purchases (including Air Canada Vacations) charged to your card. Then earn 1 point for every $1.50 on all other purchases. You can earn double points when you pay with your card and present your Aeroplan number at partner establishments or when you make purchases in the Aeroplan eBoutique.
What are the benefits of the Aeroplan Visa Platinum?
With the TD Aeroplan Platinum Travel Visa card, frequent travellers are safe! You benefit from a complete range of travel insurance. Benefits include coverage of up to $1,000 per insured person for essential purchases if your baggage is delayed for more than six hours or lost, insurance for flight delays of more than 4 hours, and up to $500,000 in coverage when you travel on a common carrier such as a ferry, plane or train. If you are robbed in a hotel or motel, you can obtain up to $2,500 per occurrence for your eligible personal effects or those of eligible family members travelling with you.
TD Platinum Travel Visa Card: Most affordable card for getting the most TD Rewards Points
[Offer productType=”CreditCard” api_id=”637d02e26bbb7962c19ae226″]Are you a traveller at heart, but the other TD credit cards still haven’t piqued your interest? The TD Platinum Travel Visa card could be for you!
How do I earn rewards with the TD Visa Platinum Travel Card?
You earn 6 points for every $1 spent when you book travel through Expedia for TD, 4.5 points per $ 1 at grocery stores and restaurants, 3 points on recurring bill payments and 1.5 points per dollar on all other purchases made with your card.
The TD Platinum Travel Visa card lets you redeem your points for travel, Amazon purchases and more. Your points are worth more when you redeem them through Expedia for TD. This platform offers you choices from over a million flights, hotels and vacation packages. And if you shop online at TDRewards.com, you can redeem your points for great offers on a wide range of merchandise and gift cards.
What are the benefits?
The TD Platinum Travel Visa card is designed primarily for travellers. That’s why it offers insurance coverage for a range of risks: flight or travel delays, delayed or lost baggage, accidents aboard common carriers and emergency travel assistance.
The Toronto-Dominion Bank has definitely thought of Canadians who can’t wait to travel in 2024 and beyond. Take the time to compare credit cards to find the best TD credit card and have fun!
FAQs about TD Credit Cards
It all depends on your plans. The best TD credit card for travel is the TD First Class Travel Visa Infinite. It offers all the benefits you could wish for! If you prefer the flexibility of cash back, the TD Cash Back Visa Infinite card is ideal. You’ll earn 3% cash back on groceries and gas.
You must pay your TD credit account from your other bank’s website or application. Log in and add your TD credit card as a bill to pay.
The easiest way is to log on to the TD app. Click on the TD credit card account whose limit you wish to increase, then on More and on Request a credit limit increase. Follow the same steps if you prefer to use EasyWeb online services. By telephone, call 1-888-434-2273. Your new credit limit will be posted to your online banking profile within 2 business days of receiving your request.
Several TD credit cards include travel insurance. The most comprehensive are the TD First Class Travel Visa Infinite, the TD Aeroplan Visa Infinite and the TD Aeroplan Visa Platinum. Some cards offer medical insurance up to $2,000,000, and most offer trip cancellation and interruption, flight delay, lost baggage and theft insurance.
TD credit cards are good. Compare credit cards to find out how TD compares to other banks. TD offers cards for every need, with competitive discounts and rewards. TD cards are secure.
Yes, you can use your TD credit card in the U.S., but if it’s not a U.S. credit card, you’ll likely pay high foreign exchange fees.
TD does not currently offer prepaid credit cards. You can consult a list of the best prepaid cards to find one that’s right for you, or compare credit cards.
At TD, the primary credit cardholder is automatically linked. If you are an additional cardholder, go to the Air Canada website and follow the instructions.
