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TD Credit Cards: Fees, Rates and Rewards of Each Card

Updated

TD’s personal credit cards include the TD Aeroplan Visa Infinite, Visa Infinite Privilege and Visa Platinum; the TD First Class Travel Visa Infinite, TD Platinum Travel Visa and TD Rewards Visa; the TD Cash Back Visa Infinite and TD Cash Back Visa; the TD Low Rate Visa; and the TD U.S. Dollar Visa.

What does each TD credit card cost and earn?

TD's credit cards, from our verified records
CardAnnual feeEarn rateMinimum incomePurchase rateForeign transaction fee
TD Cash Back Visa Infinite Card$1393% on groceries, gas and EV charging, public transit, and recurring bills and streaming (the first $15,000 a year in each of those four groups), 1% on everything else$60,000 personal or $100,000 household21.99%2.5%
TD First Class Travel Visa Infinite Card$1398 TD Rewards points per $1 on Expedia For TD travel, 6 on groceries, dining and public transit, 4 on recurring bills and streaming (each bonus on the first $25,000 a year), 2 on everything else$60,000 personal or $100,000 household21.99%2.5%
TD Aeroplan Visa Infinite Card$1391.5 Aeroplan points per $1 on gas, EV charging, groceries and Air Canada (first $80,000 of those purchases a year) and at Hyatt (first $80,000 a year), 1 on everything else$60,000 personal or $100,000 household21.99%2.5%
TD Platinum Travel Visa Card$896 TD Rewards points per $1 on Expedia For TD travel, 4.5 on groceries, dining and public transit (each until $15,000 a year), 3 on recurring bills and streaming (until $15,000 a year combined), 1.5 on everything elseNo minimum income required21.99%2.5%
TD Aeroplan Visa Platinum Card$891 Aeroplan point per $1 on gas, EV charging, groceries and Air Canada (first $80,000 of those purchases a year), 1 point per $1.50 on everything elseNone stated21.99%2.5%
TD Rewards Visa Card$04 TD Rewards points per $1 on Expedia For TD travel, 3 points per $1 on groceries, dining and public transit (first $5,000 a year in each), 2 points per $1 on recurring bills and streaming (first $5,000 a year combined), 1 point per $1 on everything elseNone stated21.99%2.5%
TD Cash Back Visa Card$01% on groceries, gas and EV charging, transit, and recurring payments and streaming (the first $5,000 a year in each of those four groups), 0.5% on everything elseNone stated21.99%2.5%
TD Aeroplan Visa Infinite Privilege Credit Card$5992 Aeroplan points per $1 at Air Canada and Hyatt, 1.5 on gas, EV charging, groceries, travel, transit and dining (Air Canada and the 1.5 categories on the first $100,000 of those purchases a year, Hyatt on the first $100,000 of Hyatt spend), 1.25 on everything else$150,000 personal or $200,000 household21.99%2.5%
TD Low Rate Visa Card$25No rewardsNone stated12.90%2.5%
TD U.S. Dollar Visa Card$39 USDNo rewardsNone stated21.99%2.5%

Each card’s fact sheet, linked from its name, has the full terms we checked. TD's FAQ for the Aeroplan Visa Infinite Privilege says its changes, including a new annual fee, are expected to take effect on January 25, 2027, and that the FAQ is not a formal notice of change; the fee column switches on that date.

TD’s list also includes business cards such as the TD Business Travel Visa, which are not in our records.

How do TD’s card families differ?

  • TD Aeroplan cards earn points you redeem with Aeroplan (see our Aeroplan hub).
  • TD Rewards cards earn TD Rewards Points on every purchase (see our TD Rewards hub).
  • TD Cash Back cards earn Cash Back Dollars, which you can redeem once a year or at any time.
  • The TD Low Rate Visa is TD’s option for carrying a balance.

Which TD card suits your spending?

Enter your monthly card spending to rank TD's cards by dollars back a year after fees.

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Filters

Ranked by dollars back a year after fees, for your spending. Welcome offers, benefits and promoted cards never change the order.

  1. 1

    TD Cash Back Visa Infinite Card

    $553a year after fees
    • $692 cash back a year
    • Fees $139
    • 1.78% back on spending

    Welcome offer10% cash back on your first $3,500 of grocery, gas and EV charging, transit, recurring bill and streaming purchases in 3 months (up to $350), and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Baggage
    • Rental car
    • Mobile device
    • Purchase protection
    • Extended warranty
    • +1 more

    Facts checked Nov 11, 2026 · Card details

  2. 2

    TD First Class Travel Visa Infinite Card

    $542a year after fees
    • 136,108 points a year at 0.50¢ (any travel or portal)
    • Fees $139
    • 1.75% back on spending

    Welcome offerUp to 160,000 TD Rewards Points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Annual credit
    • Lounge passes
    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • +6 more

    Facts checked Nov 11, 2026 · Card details

  3. 3

    TD Aeroplan Visa Infinite Card

    $529a year after fees
    • 44,504 points a year at 1.50¢ (any travel or portal)
    • Fees $139
    • 1.71% back on spending

    Welcome offerUp to 50,000 Aeroplan points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Rental car
    • +7 more

    Facts checked Nov 11, 2026 · Card details

  4. 4

    TD Platinum Travel Visa Card

    $421a year after fees
    • 102,081 points a year at 0.50¢ (any travel or portal)
    • Fees $89
    • 1.31% back on spending

    Welcome offerUp to 50,000 TD Rewards Points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Flight delay
    • Baggage
    • Rental car
    • Purchase protection
    • Extended warranty
    • Mobile device
    • +1 more

    Facts checked Nov 11, 2026 · Card details

  5. 5

    TD Aeroplan Visa Platinum Card

    $356a year after fees
    • 29,670 points a year at 1.50¢ (any travel or portal)
    • Fees $89
    • 1.14% back on spending

    Welcome offerUp to 20,000 Aeroplan points and a first-year annual fee rebate.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Baggage
    • Flight delay
    • Rental car
    • Mobile device
    • Purchase protection
    • Extended warranty
    • +1 more

    Facts checked Nov 11, 2026 · Card details

  6. 6

    TD Rewards Visa Card

    $304a year after fees
    • 60,896 points a year at 0.50¢ (any travel or portal)
    • Fees $0
    • 0.78% back on spending

    Welcome offer15,152 TD Rewards Points.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Mobile device
    • Purchase protection
    • Extended warranty

    Facts checked Nov 11, 2026 · Card details

  7. 7

    TD Cash Back Visa Card

    $252a year after fees
    • $252 cash back a year
    • Fees $0
    • 0.65% back on spending
    • Purchase protection
    • Extended warranty

    Facts checked Nov 11, 2026 · Card details

  8. 8

    TD Aeroplan Visa Infinite Privilege Credit Card

    $201a year after fees
    • 53,320 points a year at 1.50¢ (any travel or portal)
    • Fees $599
    • 2.05% back on spending

    Welcome offerUp to 100,000 Aeroplan points.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Travel medical
    • Trip cancellation
    • Trip interruption
    • Flight delay
    • Baggage
    • Baggage
    • +12 more

    Facts checked Nov 11, 2026 · Card details

  9. 9

    TD Low Rate Visa Card

    -$25a year after fees
    • Fees $25

    Welcome offer0% introductory rate on purchases for the first 6 statement periods, and no annual fee for the first year.No end date stated · checked Nov 11, 2026. Not part of the ranking; confirm on the issuer’s site.

    • Purchase protection
    • Extended warranty

    Facts checked Nov 11, 2026 · Card details

  10. TD U.S. Dollar Visa Card

    Not compared here: billed in USD: not comparable on Canadian-dollar spending.

    Facts checked Nov 12, 2026 · Card details

The calculator counts Aeroplan points at CardNorth’s estimate of 1.5 cents each, which you can change.

Does a TD chequing account rebate the annual fee?

With a TD All-Inclusive Banking Plan, TD rebates the annual fee on one eligible card each calendar year: up to $139 for the primary cardholder and up to $75 for one additional cardholder. The eligible cards are the TD Aeroplan Visa Infinite, Visa Platinum and Visa Infinite Privilege, the First Class Travel Visa Infinite, the Platinum Travel Visa and the Cash Back Visa Infinite.

With a TD Unlimited Chequing Account, the rebate covers one eligible card for the first calendar year the card is open, up to $139 for the primary cardholder; the Aeroplan Visa Infinite Privilege is not on its list. Neither rebate can be combined with another annual fee rebate on the same card.

How do TD cardholders manage their card?

In the TD app, cardholders can set transaction limits, block international purchases or lock the card. A TD credit card account can have up to 3 additional cardholders.

Compare TD's cards with all 162 cards we've checked, from 24 banks, in the card finder

Sources

The figures and rules on this page come from these sources, last checked against them on November 11, 2026. About CardNorth.