You can apply for a TD credit card online, at a TD branch, or by phone. The online process takes about 10–15 minutes and gives an instant decision in most cases.
Step-by-Step: How to Apply Online
- Choose your card — Review the TD credit card lineup and income requirements to confirm you qualify
- Go to td.com — Navigate to the credit cards section and click “Apply Now” on your chosen card
- Provide personal information — Legal name, date of birth, SIN (optional but helps with credit check), home address, and time at address
- Provide income information — Annual income, employment status, employer name, and time employed
- Submit the application — TD runs a hard credit inquiry; you’ll usually get an instant decision or a request for more information within 1–3 business days
- Receive your card — If approved, your card arrives by mail in 7–10 business days; activation is done online or by phone
What TD Needs from You
| Information | Details |
|---|---|
| SIN (Social Insurance Number) | Optional; providing it speeds up the credit check |
| Annual income | Employment, pension, investment, or self-employment income |
| Employer details | Name, address, phone, and employment duration |
| Housing status | Own or rent; monthly payment or rent amount |
| Existing TD relationship | Logged-in TD customers can pre-fill some fields |
TD Client vs. Non-TD Client
Existing TD clients (those with a TD chequing or savings account) can apply through EasyWeb or the TD app, where personal information is pre-filled. Approval decisions are often faster for clients with a positive TD banking history.
Non-TD clients can apply at td.com without needing a TD bank account. You’ll need to manually enter all personal and income details.
Hard Inquiry and Credit Score Impact
TD performs a hard credit inquiry when you apply. This temporarily lowers your credit score by a few points (typically 5–10 points) and remains on your credit report for up to 2 years, though its impact fades after 6–12 months.
Only apply when you meet the income and credit requirements to avoid unnecessary hard inquiries.
What Happens After You Apply
| Outcome | Timeline | Next Step |
|---|---|---|
| Approved — instant | Immediate | Card mailed; arrives in 7–10 days |
| Pending — more info needed | 1–3 business days | TD may call or request documents |
| Declined | Immediate or 1–3 days | Review report; consider a lower-tier card |
If declined, you can call TD’s credit card customer service to ask for a reconsideration — sometimes providing additional income documentation results in an approval.
Income Requirements Summary
| Card | Minimum Personal Income |
|---|---|
| TD Aeroplan Visa Infinite Privilege | $150,000 |
| TD Aeroplan Visa Infinite | $60,000 |
| TD First Class Travel Visa Infinite | $60,000 |
| TD Cash Back Visa Infinite | $60,000 |
| TD Aeroplan Visa Platinum / No-fee cards | None |
See the full TD Credit Card Income Requirements guide.
Tips for a Successful Application
- Check your credit score first — Free at Borrowell (Equifax) or Credit Karma (TransUnion). Aim for 700+ for Visa Infinite cards.
- Apply during a promotional period — TD regularly offers elevated welcome bonuses or first-year-free promotions
- Only apply for one card at a time — Multiple applications in a short window signal risk to lenders and may hurt your approval odds
- Be accurate on income — TD may request income verification (NOA, pay stubs) for higher-limit cards
Related Articles
- All TD Credit Cards
- TD Credit Card Income Requirements
- How to Cancel a TD Credit Card
- Credit Score Needed for Credit Cards in Canada
- How to Apply for a Credit Card in Canada
Application process current as of June 2026. TD may update its process, documentation requirements, and approval criteria at any time. See our Advertiser Disclosure.