TD is one of Canada’s biggest banks. They’re a major Aeroplan partner, and they also offer other travel and cash back credit cards.Read on to find out more about our top picks for the best TD credit cards in Canada.
Best Overall TD Credit Card
The TD Aeroplan Visa Infinite Card is the bank’s flagship product, and our choice for their best credit card. At the “core” tier of the Aeroplan cards, it offers the most bang for your buck for the vast majority of cardholders.Most of the card’s ongoing value comes in the form of Aeroplan and Air Canada benefits. You’ll get free checked bags on Air Canada flights, preferred pricing on Aeroplan flight rewards when you fly with Air Canada, and a few ways to get closer to Aeroplan Elite Status by spending with the card.Additionally, the card provides travel insurance, which covers Aeroplan flight rewards. You’ll want to pay for the flight’s taxes and fees with this card so that you’re protected in the event of a travel snafu.
Best Premium TD Credit Card
If you’re looking for premium traveller perks and Air Canada benefits, the TD Aeroplan Visa Infinite Privilege Card is the way to go. The card earns a base rate of 1.25 Aeroplan points per dollar spent on all purchases.Aeroplan members can earn Aeroplan 25K Status by racking up 100,000 Aeroplan points (excluding welcome bonuses and transferring points) in a year. If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.You’ll also get an enhanced travel experience, with unlimited access to Maple Leaf Lounges and six free visits per year to DragonPass lounges, priority airport services (including check-in and boarding), and more flexible ways to qualify for higher tiers of Aeroplan Elite Status.As for savings, you’ll get the best preferred pricing rates for Aeroplan flight rewards on Air Canada flights, as well as the opportunity to spend your way to unlocking a Worldwide Companion Pass.
Best TD Credit Card for Travel Purchases
Not all of your travel arrangements can be booked on points. While it’s easy enough to get flights covered with loyalty programs like Aeroplan, there are a much wider range of hotels, vacation packages, experiences, and tour operators where you’ll most likely have to pick up the bill yourself.The TD First Class Travel Visa Infinite Card is an awesome card for all travel purchases. It earns 4% back in the form of TD Rewards points when you book with Expedia for TD. For a guaranteed rate that doesn’t depend on finding limited sweet spots and award availability to extract its full potential, it simply can’t be beat.For maximum value, you can use your TD Rewards points to book anything available on the Expedia for TD website. This is a great way to snowball your rewards – as you book travel, you’ll earn even more travel!Not to mention, cardholders get a $100 annual credit towards a $500+ hotel or vacation booking. As well, you'll get a birthday bonus, where you'll get a 10% boost on points you've earned (up to a limit) each year.
Best No Fee TD Credit Card
Among TD’s no-fee cards, the TD Rewards Visa Card has an appealing rewards structure. You'll earn 2% back (in the form of TD Rewards points) travel bookings, 1.5% back on groceries and restaurants, and 1% back on recurring bills.Those rates are quite strong when compared to other entry-level credit cards, and indeed higher value than the alternative no-fee TD Cash Back Visa Card.Most importantly, you can park your TD Rewards points here if you ever decide to cancel or downgrade your TD First Class Travel Visa Infinite Card. That way, your points won’t expire while you await a good travel opportunity.
Best Cash Back TD Credit Card
The TD Cash Back Visa Infinite Card is chief among TD’s cash back cards. You’ll earn 3% cash back on groceries, gas, and recurring bill payments.While not the absolute best card on the market for any one of these categories, it’s the only card with high earn rates on all three. If you don’t want to juggle several credit cards and these categories cover most of your expenses, the TD Cash Back Visa Infinite would serve you well.Considering its frequent First Year Free promotions and the ability to waive your annual fee every year with a TD All-Inclusive Chequing account, it’s not hard to maintain these rewards year after year at no cost.Also, the card comes with a Deluxe TD Auto Club Membership. It’s their only credit card with this benefit, and one of the only cards in Canada that offers roadside assistance. For heavy commuters or road-trippers, it’s a valuable perk that could get you out of an unpleasant situation.Not to mention, the roadside assistance dovetails nicely with the 3% rewards on gas, giving you one credit card for all of your driving needs.