Best TD credit cards
TD credit cards ranked by what each one is worth for your spending, after fees.
Card details updated November 10, 2026 How we rank
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Not sure which kind of card you need? Help me choose
13 TD Canada Trust credit cards, ranked for you
Ranked by value in year one at $2,500 a month, after fees. How we rank
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Ranked 1. TD® Aeroplan® Visa Business Card
TD · Visa
Worth in year one $2,018Then each year $6694% back on flights, 2% back on everything else
- Welcome offer
- $1,200 you’d get The full offer. Up to 60,000 Aeroplan points.
- Annual fee
- $0 first year Then $149 a year
Income rule not listed
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Ranked 2. TD® Aeroplan® Visa Infinite Card
TD · Visa Expert Score 7.7 out of 10. Good
Worth in year one $1,896Then each year $7573% back on groceries, gas and flights, 2% back on everything else
- Welcome offer
- $1,000 you’d get The full offer. Up to 50,000 Aeroplan points.
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 3. TD First Class Travel® Visa Infinite Card
TD · Visa Expert Score 7.6 out of 10. Good
Worth in year one $1,606Then each year $6674% back on travel, 1% back on everything else
- Welcome offer
- $800 you’d get The full offer. Up to 160,000 TD Rewards points.
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Read the full review: TD First Class Travel® Visa Infinite Card
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Ranked 4. TD Business Travel Visa Card
TD · Visa Expert Score 7.3 out of 10. Good
Worth in year one $1,529Then each year $4804.5% back on travel, 1% back on everything else
- Welcome offer
- $900 you’d get All of year one’s offer. Up to 200,000 TD Rewards points.
- Annual fee
- $0 first year Then $149 a year
Income rule not listed
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Best welcome offers right now
What you’d actually get at $2,500 a month.
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TD® Aeroplan® Visa Business Card
$1,200 you’d get
Up to 60,000 Aeroplan points.
The full offer at your spending
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TD® Aeroplan® Visa Infinite Card
$1,000 you’d get
Up to 50,000 Aeroplan points.
The full offer at your spending
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TD® Aeroplan® Visa Infinite Privilege Card
$1,000 you’d get
Up to 100,000 Aeroplan points.
All of year one’s offer at your spending
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TD Business Travel Visa Card
$900 you’d get
Up to 200,000 TD Rewards points.
All of year one’s offer at your spending
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TD First Class Travel® Visa Infinite Card
$800 you’d get
Up to 160,000 TD Rewards points.
The full offer at your spending
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TD® Aeroplan® Visa Platinum Card
$400 you’d get
Up to 20,000 Aeroplan points.
The full offer at your spending
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Ranked 5. TD® Aeroplan® Visa Infinite Privilege Card
TD · Visa Expert Score 8.2 out of 10. Very good
Worth in year one $1,498Then each year $4984% back on flights, 2.5% back on everything else
- Welcome offer
- $1,000 you’d get All of year one’s offer. Up to 100,000 Aeroplan points.
- Annual fee
- $599 a year
Needs $150,000 personal or $200,000 household income
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Read the full review: TD® Aeroplan® Visa Infinite Privilege Card
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Ranked 6. TD® Aeroplan® Visa Platinum Card
TD · Visa Expert Score 7.7 out of 10. Good
Worth in year one $1,004Then each year $5152% back on groceries, gas and flights, 1.3% back on everything else
- Welcome offer
- $400 you’d get The full offer. Up to 20,000 Aeroplan points.
- Annual fee
- $0 first year Then $89 a year
Income rule not listed
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Ranked 7. TD Platinum Travel Visa Card
TD · Visa Expert Score 7.6 out of 10. Good
Worth in year one $847Then each year $5083% back on travel, 0.8% back on everything else
- Welcome offer
- $250 you’d get The full offer. Up to 50,000 TD Rewards points.
- Annual fee
- $0 first year Then $89 a year
Income rule not listed
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Ranked 8. TD Cash Back Visa Infinite Card
TD · Visa Expert Score 8.2 out of 10. Very good
Worth in year one $782Then each year $6433% back on groceries, gas and transit, 1% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 first year Then $139 a year
Needs $60,000 personal or $100,000 household income
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Ranked 9. TD Rewards Visa Card
TD · Visa Expert Score 7.1 out of 10. Good
Worth in year one $363Then each year $2872% back on travel, 0.5% back on everything else
- Welcome offer
- $76 you’d get The full offer. Up to 15,152 TD Rewards points.
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 10. TD Business Cash Back Visa Card
TD · Visa
Worth in year one $195Then each year $1952% back on gas, transit and recurring bills, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 11. TD Cash Back Visa Card
TD · Visa
Worth in year one $139Then each year $1391% back on groceries, gas and transit, 0.5% back on everything else
- Welcome offer
- None listed
- Annual fee
- $0 No annual fee
Income rule not listed
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Ranked 12. TD U.S. Dollar Visa Card
TD · Visa Expert Score 6.4 out of 10. Fair
Earns no rewards Built for a lower interest rate: 21.99% on purchases. See it ranked under Low interest
- Annual fee
- US$39 a year
Income rule not listed
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Ranked 13. TD Emerald Flex Rate Visa
TD · Visa Expert Score 7.7 out of 10. Good
Earns no rewards Built for a lower interest rate: 8.95% on purchases. See it ranked under Low interest
- Annual fee
- $25 a year
Income rule not listed
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Showing 13 of 13 cards
Filters
Your spending a month
Your balance
How we rank cards
The list is math only: one set of rules, worked out for the choices you made.
What Year one and Every year mean
Year one is what a card is worth in its first year at your spending: the rewards it earns, plus any welcome offer your spending would reach, minus the first year’s annual fee.
Every year after leaves out the welcome offer and takes off the full annual fee, so a big offer can’t hide a weak earn rate.
We rank by the one you pick. When two cards come out the same, the one with the higher score goes first. Values are estimates, rounded to the dollar.
What’s in each spending choice
Each choice is an example month of spending, split across the kinds of spending cards reward differently. Pick the one closest to yours.
- Light, $1,000 a month: Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical, $2,500 a month: Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big, $5,000 a month: Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
How we value points
Each points program gets one value per point, taken from the program’s own valuation. Cards in the same program use the same value, so two cards that earn the same points are judged the same way.
- Aeroplan: 2 cents a point
- American Express Membership Rewards: 1.7 cents a point
- BMO Rewards: 0.67 cents a point
- British Airways Club: 2 cents a point
- Cathay Asia Miles: 1.5 cents a point
- CIBC Aventura: 1 cents a point
- Desjardins BONUSDOLLARS: 100 cents a point
- Flying Blue: 1.9 cents a point
- Marriott Bonvoy: 0.8 cents a point
- moi Rewards: 0.8 cents a point
- More Rewards: 0.2 cents a point
- National Bank a la carte Rewards: 0.9 cents a point
- PC Optimum: 0.1 cents a point
- RBC Avion: 1.7 cents a point
- Scene+: 1 cents a point
- TD Rewards: 0.5 cents a point
- Triangle Rewards: 100 cents a point
- United MileagePlus: 1.6 cents a point
- VIPorter: 1.5 cents a point
- WestJet Rewards: 1 cents a point
A card whose points we can’t value yet shows its points and sorts after the cards we can value.
What Low interest adds up
Low interest ranks by what a year of carrying a balance would cost: interest at the card’s purchase rate, plus the annual fee. It assumes the balance stays the same all year and leaves out rewards and welcome offers.
A balance transfer offer shows on the card when it has one, but it doesn’t change the order.
Does pay change the order?
No. The order comes only from the math above. We get paid when you apply through some links, and a bank can pay to show a card in a spot marked Sponsored. Pay never moves a card in the ranked list or changes its score.
Help me choose
Four quick questions, then a list that fits. Your answers only set the list. We don’t keep them.
Show the questions as a form
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Cards by network
Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.
Spot something wrong? We’ll check it with the bank. Suggest a correction