TD Bank is Canada’s largest bank by retail customer count, and its credit card lineup covers the full spectrum — from entry-level no-fee cards to ultra-premium travel cards with unlimited airport lounge access. Here is a complete review of every major TD credit card in Canada for 2026.
TD Credit Card Lineup at a Glance
| Card | Annual Fee | Rewards Programme | Best For |
|---|---|---|---|
| TD Aeroplan Visa Infinite | $139 | Aeroplan | Air Canada flyers, Aeroplan collectors |
| TD Aeroplan Visa Infinite Privilege | $599 | Aeroplan | Frequent Air Canada business travellers |
| TD First Class Travel Visa Infinite | $139 | TD Rewards | Expedia for TD bookers |
| TD Cash Back Visa Infinite | $139 | Cash Back | High grocery/gas/bill spenders |
| TD Rewards Visa | $0 | TD Rewards | No-fee point earners |
| TD Aeroplan Visa (entry) | $0 | Aeroplan | Entry-level Aeroplan earners |
| TD Emerald Flex Rate Visa | $25 | None | Balance carriers, low-interest |
TD Aeroplan Visa Infinite — Best TD Card for Most Canadians
Annual fee: $139 | Income requirement: $60,000 individual or $100,000 household | Network: Visa
The TD Aeroplan Visa Infinite is the anchor of TD’s credit card portfolio and one of Canada’s most popular travel cards.
Earn Rates
| Category | Aeroplan Points per Dollar |
|---|---|
| Groceries | 1.5 pts |
| Gas | 1.5 pts |
| Air Canada purchases | 1.5 pts |
| Everything else | 1.25 pts |
Key Benefits
- Free first checked bag on Air Canada for cardholder and up to 8 travelling companions
- Priority boarding on Air Canada flights
- Annual round-trip companion pass (earn with $25,000 in annual spend) — one companion travels at a reduced base fare
- Comprehensive travel insurance: emergency medical up to $2M, trip cancellation/interruption, delayed/lost baggage, rental car collision
- NEXUS application fee rebate — up to $50 credited once every 48 months
Who It’s Best For
Canadians who fly Air Canada at least 2 to 4 times per year and want strong Aeroplan earning without paying premium card fees. The free checked bag alone saves $35 to $65 per one-way flight — easily justifying the $139 fee on a round trip.
TD Aeroplan Visa Infinite Privilege — Best TD Card for Premium Travel
Annual fee: $599 | Income requirement: $150,000 individual or $200,000 household | Network: Visa
Earn Rates
| Category | Aeroplan Points per Dollar |
|---|---|
| Air Canada purchases | 2 pts |
| Groceries | 1.5 pts |
| Gas | 1.5 pts |
| Everything else | 1.25 pts |
Key Benefits
- Unlimited Maple Leaf Lounge access at Canadian airports — for cardholder and one guest on Air Canada itineraries
- 6 Priority Pass lounge visits per year internationally
- Aeroplan 50K status qualification boost (card earns 1,000 status qualifying miles for every $10,000 spent)
- Priority check-in, priority boarding, complimentary first checked bag
- Enhanced travel insurance including $5M emergency medical
- Global Entry or NEXUS application fee credit (up to $100)
Who It’s Best For
Frequent Air Canada flyers (10+ flights per year) who want unlimited Maple Leaf Lounge access in Canadian airports and the highest Aeroplan earn rates in the TD portfolio.
TD First Class Travel Visa Infinite — Best TD Card for Expedia Bookers
Annual fee: $139 | Income requirement: $60,000 individual or $100,000 household | Network: Visa
Earn Rates (TD Rewards Points)
| Category | TD Rewards Points per Dollar |
|---|---|
| Expedia for TD | 8 pts |
| Recurring bills | 6 pts |
| Groceries and dining | 4 pts |
| Everything else | 2 pts |
TD Rewards point value: 0.5 cents when redeemed through Expedia for TD; 0.4 cents as statement credit
Key Benefits
- $100 annual travel credit on Expedia for TD (applied to first Expedia booking of the year)
- Emergency medical travel insurance up to $2M
- Trip cancellation/interruption insurance
- $200 annual TD Travel Credit (first-year bonus offer, may vary)
Who It’s Best For
Canadians who habitually book travel through Expedia and want to maximise TD Rewards Points. The 8x earn on Expedia for TD is the highest earn rate of any category in TD’s portfolio. Not as strong for Aeroplan collectors.
TD Cash Back Visa Infinite — Best TD Card for Cash Back
Annual fee: $139 | Income requirement: $60,000 individual or $100,000 household | Network: Visa
Earn Rates
| Category | Cash Back % |
|---|---|
| Groceries | 3% |
| Gas | 3% |
| Recurring bill payments | 3% |
| Everything else | 1% |
Annual grocery/gas/bills cap: 3% applies up to combined spending thresholds (verify current limits with TD).
Key Benefits
- Annual fee rebated in the first year (introductory offer, may vary)
- Basic travel insurance package
- Optional: add TD Auto Club membership (roadside assistance) for extra fee
Who It’s Best For
High-spending households who prefer straightforward cash back over loyalty points. A family spending $1,200/month on groceries + $200/month on gas + $300/month on recurring bills earns approximately $612 cash back annually at 3% — well above the $139 fee.
TD vs CIBC: Choosing Between the Aeroplan Card Twins
TD and CIBC both issue Aeroplan Visa Infinite cards with nearly identical earn rates and benefits. The differences are subtle but meaningful:
| Feature | TD Aeroplan Visa Infinite | CIBC Aeroplan Visa Infinite |
|---|---|---|
| Annual fee | $139 | $139 |
| Grocery earn | 1.5 pts/$ | 1.5 pts/$ |
| Gas earn | 1.5 pts/$ | 1.5 pts/$ |
| Air Canada earn | 1.5 pts/$ | 1.5 pts/$ |
| Base earn | 1.25 pts/$ | 1.25 pts/$ |
| Journie Rewards | ❌ No | ✅ 10¢/L at Chevron/Pioneer/Ultramar |
| Free first bag | ✅ Yes | ✅ Yes |
| Travel insurance | Comparable | Comparable |
| Banking perks | TD Wealth integration | Journie fuel discount |
Bottom line: If you regularly buy gas at Chevron, Pioneer, or Ultramar stations, the CIBC card’s Journie 10 cents per litre discount can add significant annual value. If your gas station is Petro-Canada or Esso (more common), both cards are near-identical and your existing banking relationship with TD or CIBC may be the deciding factor.