Changes to TD Credit Cards Earn Rates Effective April 2025

Changes to TD Credit Cards – TL;DR

TD has announced upcoming changes to their credit card products, effective from April 30, 2025. The changes span multiple TD credit cards and involve updates to annual interest rates, earn rates for reward points, and other card benefits. The common change across all cards  is the Interest Rate Change;

Effective from the first day of your statement period beginning in April 2025 (reflected on your May 2025 statement):

• • The annual interest rate will increase to 21.99%.
  • For residents of Quebec only: The annual interest rates on cash advances will also increase.

Key Takeaways from the changes include;

• TD First Class Visa Infinite Card
  • Will include four complimentary lounge visits per enrollment year
  • New earn rates on:
    • Public transit
    • Streaming, digital gaming, and media
    • Drinking places (bars, nightclubs, cocktail lounges)
  • Customers will still earn 6 TD Points for Grocery. The restaurant category has been expanded and renamed ‘Dining.’ 
• TD Aeroplan Credit Cards
  • New earn rates on EV charging purchases.
• TD Cashback Cards
  • New earn rates on:
    • Public transit
    • Streaming, digital gaming, and media
    • EV charging purchases

Cardholders do not need to take any action. Changes will take effect automatically on the dates specified above. With that out of the way, here is a detailed breakdown of the changes to earn rates and other card benefits;

TD First Class Travel® Visa Infinite Credit Card*

New Features and Benefits – Starting April 30, 2025:

• Complimentary Visa Airport Companion Program membership, plus four complimentary lounge visits per enrollment year. This benefit is valued at over $200 USD annually and provides access to 1,200+ airport lounges worldwide, including Plaza Premium Lounges.
• New Earn Rates (Annual cap: $25,000):
  • Public Transit Purchases: 6 TD Rewards Points for every $1
  • Streaming, Digital Gaming, and Media Purchases: 4 TD Rewards Points for every $1
  • Drinking Places (e.g., bars, nightclubs, cocktail lounges): 6 TD Rewards Points for every $1

Earn Rate Comparison:

TD® Aeroplan® Visa Infinite Credit Card*

Additional Changes – Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rate:
  • Electric Vehicle (EV) Charging Purchases will now earn 1.5 Aeroplan points per $1, aligning with Gas Purchases.

Earn Rate Comparison:

TD® Aeroplan® Visa Infinite Privilege Credit Card*

Additional Changes – Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rate:
  • Electric Vehicle (EV) Charging Purchases will now earn 1.5 Aeroplan points per $1, aligning with Gas Purchases.

Earn Rate Comparison:

TD® Aeroplan® Visa Platinum Credit Card*

Additional Changes – Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rate:
  • Electric Vehicle (EV) Charging Purchases will now earn 1 Aeroplan point per $1, aligning with Gas Purchases.

Earn Rate Comparison:

TD Platinum Travel Visa Credit Card*

Additional Changes – Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rates:
  • Public Transit Purchases: 4.5 TD Rewards Points per $1 (Annual cap: $15,000).
  • Streaming, Digital Gaming & Media Purchases: 3 TD Rewards Points per $1 (Annual cap: $15,000).
  • Drinking Places: 4.5 TD Rewards Points per $1 (Annual cap: $15,000).

Earn Rate Comparison:

TD Rewards Visa Credit Card*

Additional Changes- Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rates:
  • Public Transit Purchases: 3 TD Rewards Points per $1 (Annual cap: $5,000).
  • Streaming, Digital Gaming & Media Purchases: 2 TD Rewards Points per $1 (Annual cap: $5,000).
  • Drinking Places: 3 TD Rewards Points per $1 (Annual cap: $5,000).

Earn Rate Comparison:

TD Cash Back Visa Infinite Credit Card*

Additional Changes- Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rates:
  • Public Transit Purchases: 3% Cash Back Dollars (Annual cap: $15,000).
  • Streaming, Digital Gaming & Media Purchases: 3% Cash Back Dollars (Annual cap: $15,000).
  • EV Charging Purchases: 3% Cash Back Dollars (Annual cap: $15,000).

Earn Rate Comparison:

TD Cash Back Visa Credit Card*

Additional Changes – Starting April 30, 2025:

• The maximum fee for a promotional Balance Transfer will increase. Specific fees will be disclosed in individual offers.
• A Credit Balance Administration Fee will apply if a credit balance remains on the account with no activity for 12 consecutive billing cycles.
• The Cash Advance Transaction Fee will change, including its application conditions.
• The Returned Payment Fee will decrease.
• New Earn Rates:
  • Public Transit Purchases: 1% Cash Back Dollars (Annual cap: $5,000).
  • Streaming, Digital Gaming & Media Purchases: 1% Cash Back Dollars (Annual cap: $5,000).
  • EV Charging Purchases: 1% Cash Back Dollars (Annual cap: $5,000).

Earn Rate Comparison:

Title Image Credit: TD