https://cardnorth.ca/credit-cards/td/Recent content in TD Credit Cards: Fees, Rates and Rewards of Each Card on CardNorthHugo -- gohugo.ioen-caThu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-us-dollar-visa/Thu, 12 Nov 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-us-dollar-visa/Purchases in other currencies Purchases in U.S. dollars carry no foreign currency conversion fee. Purchases and cash advances in other currencies, Canadian dollars included, are converted to U.S. dollars on your statement and carry a foreign currency conversion charge. The Borderless Plan fee rebate With a TD Borderless Plan, TD puts $39 USD towards the primary cardholder annual fee. Additional cardholder fees are not rebated, and the rebate cannot be combined with another annual fee rebate on the card.https://cardnorth.ca/credit-cards/td/td-low-rate-visa/Thu, 11 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-low-rate-visa/How the rates apply TD treats a balance transfer as a cash advance, so it accrues interest at the account’s cash advance rate. On TD’s Quebec page, cash advances, including balance transfers, have no interest-free grace period. Insurance limits Purchase Security and Extended Warranty share a lifetime maximum of $60,000 per account holder across all of that holder’s TD credit cards. Travel insurance Travel Medical Insurance and Trip Cancellation/Trip Interruption Insurance are optional for this card, bought separately.https://cardnorth.ca/credit-cards/td/td-aeroplan-visa-infinite-privilege/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-aeroplan-visa-infinite-privilege/Limit on the bonus rates The Air Canada rate and the gas, EV charging, grocery, travel, transit and dining rate share one limit of $100,000 of those purchases a year, then earn the standard rate. The year starts after your first January statement period. The Hyatt rate, for the primary cardholder from July 15, 2026 to July 15, 2029, has its own $100,000 yearly limit and doesn’t stack with the travel rate.https://cardnorth.ca/credit-cards/td/td-cash-back-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-cash-back-visa-infinite/How cash back is redeemed You can redeem at any time through EasyWeb or the TD Mobile App once the account has earned at least $25.00. Or you can choose annual redemption, with no minimum, credited to the account each January. Redemption doesn’t happen automatically. Cash Back Dollars don’t expire while the account is open and in good standing. Caps on the bonus rate The bonus rate applies only to the first $15,000 a year of purchases in each of four groups: groceries, gas and EV charging, public transit, and recurring bills and streaming together.https://cardnorth.ca/credit-cards/td/td-cash-back-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-cash-back-visa/How cash back is paid out Cash back isn’t paid automatically; you tell TD how to redeem it. You can redeem at any time once you have at least $25, or choose annual redemption with no minimum, credited to your account each January after the calendar year ends. You can give instructions through EasyWeb or the TD Mobile App, and the primary cardholder or any additional cardholder can redeem. Cash back never expires as long as the account is open and in good standing.https://cardnorth.ca/credit-cards/td/td-first-class-travel-visa-infinite/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-first-class-travel-visa-infinite/Redeeming points Through Expedia For TD, every 200 points are worth $1 off travel. Redemptions are made in 200-point steps, with a minimum of 200 points. The card is charged in full and the points’ value is credited in 3 to 5 business days. You can also book travel anywhere else and pay it off with points at 225 points per $1, on a purchase from your past 3 monthly statements.https://cardnorth.ca/credit-cards/td/td-platinum-travel-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-platinum-travel-visa/How points are redeemed On Expedia For TD, every 200 points are worth $1 off travel, in 200-point steps with a minimum of 200 points. Your card is charged the full amount, and the value of the points is credited to your account in 3 to 5 business days. Travel booked through any other agency or website can be paid off with points at 225 points per $1. Points don’t expire while you are a cardholder.https://cardnorth.ca/credit-cards/td/td-rewards-visa/Mon, 01 Jun 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-rewards-visa/Limits on the bonus rates The groceries, dining and public transit rate applies to the first $5,000 of net purchases a year in each of those categories. Recurring bill payments and streaming, digital gaming and media share one limit of $5,000 a year. Once a category passes its limit, it earns the base rate for the rest of the year. The year runs from after your first statement period in January to the end of your statement period the following January.https://cardnorth.ca/credit-cards/td/td-aeroplan-visa-infinite/Sat, 16 May 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-aeroplan-visa-infinite/Limit on the bonus rate The bonus rate applies to the first $80,000 a year of gas, EV charging, grocery and Air Canada purchases. After that, those purchases earn the standard rate. The year runs from after your first January statement period to the end of the following January’s statement period. Hyatt The Hyatt rate is for primary cardholders, from July 15, 2026 to July 15, 2029. It has its own $80,000 annual limit, separate from the one above.https://cardnorth.ca/credit-cards/td/td-aeroplan-visa-platinum/Sat, 16 May 2026 00:00:00 +0000https://cardnorth.ca/credit-cards/td/td-aeroplan-visa-platinum/Limit on the bonus rate The bonus rate applies to at most $80,000 a year of purchases of gas, EV charging, groceries and Air Canada products. Past that, those purchases earn the standard rate of 1 point per $1.50. TD counts the cap over a year that starts after your first January statement period and ends with your next January statement. TD uses merchant category codes to decide which purchases get the bonus rate.