TD Canada

TD Canada is the second-largest commercial bank in Canada and offers a wide range of credit cards to suit preferences. This page will focus on select cards that bring outsized value toward travel redemptions. Over time, the page will grow and include other TD credit cards and services as we explore the portfolio. Let’s start with the flagship product;

TD First Class Travel Visa Infinite Card  – Apply Now

• Eligibility: Personal income of $60,000 or a minimum household income of $100,000
• Annual Fee:
  • $139
    • Purchase Interest: 21.99%
    • Cash Advance Interest: 22.99%
  • Annual Fee Rebate for the first year† when you activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and add your Additional Cardholders while the offer is in effect.
  • Additional Cardholder^†: $50
• Special Offer: Up to 135,000 TD Rewards Points (Offer effective as of April 30, 2025)
  • 20,000 TD Rewards Points as a welcome bonus when you make your first Purchase with your Card^†
  • 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening^†
• Earn Rate: 
  • 8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
  • 6 TD Rewards Points ^† for every $1 you spend on Groceries, Dining and Public Transit^†
  • 4 TD Rewards Points ^† for every $1 you spend on regularly Recurring Bill Payments and Streaming, Digital Gaming and Media^†
  • 2 TD Rewards Points^†  For every $1 you spend on other Purchases made using your Card^†
• Additional Benefits: 
  • $100 TD Travel Credit^† on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
  • Airport Lounge Access – Global airport lounge access (1200+ airport lounges worldwide) and 4 complimentary lounge visits with Visa Airport Companion Program^†
  • Birthday Bonus^†– Earn 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points^†.
  • Starbucks Bonus Offerfor New Linked Members^†: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
  • Insurance Coverage:
    • Travel Medical Insurance^† – Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip.
    • Flight/Trip Delay Insurance^† – Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours
    • Trip Cancellation/Trip Interruption Insurance^†  – For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
    • Delayed and Lost Baggage Insurance^†  – Up to $1,000 overall coverage per insured person toward purchasing essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
    • Common Carrier Travel Accident Insurance^†  – Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
    • Emergency Travel Assistance Services – Toll-free access to help in the event of a personal emergency while travelling
    • Auto Rental Collision/Loss Damage Insurance^†  – Coverage up to 48 consecutive days
    • Mobile Device Insurance^†  – Up to $1,000 of coverage for eligible mobile devices in the event of loss, theft, accidental damage, or mechanical breakdown.
    • Hotel/Motel Burglary Insurance^†  – Coverage of up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder.
    • Purchase Security and Extended Warranty Protection^†  – Coverage for most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
  • Visa Infinite Luxury Hotel Collection^†  – Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection, which features over 900 of the world’s most intriguing properties.
  • Visa Infinite Dining Series^†  – Access exclusive gourmet events. The Visa Infinite Dining Series offers culinary explorations with prized chefs and acclaimed wines.
  • Visa Infinite Wine Country Program^†  – Experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley, including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
  • Visa Infinite Entertainment Access^†  – Get exclusive access to tickets to curated events across Canada annually. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival®.
• Redeeming TD Rewards Points: Flexible points for the rewards you want. TD Rewards Points can be redeemed for everyday purchases with Amazon, Starbucks, and Gift Cards, as well as cash credits that can be applied to pay down your TD Credit Card, education credits, and travel purchases.
  • • Book any travel directly Expedia For TD and apply TD Rewards Points at a rate of 200 = $1
    • Use your points for trips booked at any travel site using your First Class Travel Credit card at a rate of 250 = $1
    • Redeem for gift cards or statement credits at a rate of 400 = $1
    • A complete list of redemption options is available here

^† Terms and Conditions Apply. Refer to the TD page for up-to-date offer terms and conditions. This offer is not available for residents of Quebec.

TD^® Aeroplan^® Visa Infinite Privilege* Card – Apply Now

• Eligibility: Annual personal income of $150,000 or annual household income of $200,000
• Annual Fee:
  • $599
    • Purchase Interest: 21.99%
    • Cash Advance Interest: 22.99%
  • Additional Cardholder^†: $199
• Special Offer: Up to 85,000 Aeroplan Points (Offer effective as of January 7, 2025)
  • 20,000 Aeroplan Points as a welcome bonus when you make your first Purchase with your Card†
  • 35,000 Aeroplan Points as an anniversary bonus when you spend $12,000 within 180 days of Account opening†
  • One-time anniversary bonus of 30,000 Aeroplan when you spend $24,000 within 12 months of Account opening†
• Earn Rate: 
  • 2 Points ^† for every $1 spent on eligible purchases made directly through Air Canada^® purchases (including Air Canada Vacations^®)
  • 1.5 Points^†  for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
  • 1.25 Points^†  for every $1 spent on all other Purchases
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and 200+ online retailers via the Aeroplan eStore
  • Additional Benefits: 
    • Annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)
    • Priority Airport Services^† – Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades^†. 
    • Save on baggage fees – Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
    • Unlimited access to Maple Leaf Lounges, including complimentary access for one guest.
    • Global Airport Lounge Access^† – Complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International Ltd. Take advantage of six lounge visits for each Cardholder per membership year at over 1,200 airport lounges worldwide.
    • Enroll for NEXUS, and once every 48 months, get an application fee rebate (up to $100 CAD) ^† . Additional cardholders can also take advantage of this NEXUS program application fee rebate.  
    • Aeroplan Points do not expire as long as you are a TD Aeroplan Visa Infinite Privilege Cardholder in good standing.
    • Complimentary Visa Infinite Concierge^†
    • Visa Infinite Luxury Hotel Collection^† – Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection, which features over 900 of the world’s most intriguing properties.
    • Enjoy your eUpgrades longer^†  – Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use newly issued eUpgrade credits. For a total of 24 months from issuance.
    • Starbucks Bonus Offer for New Linked Members^†: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
    • Insurance Coverage:
      • Travel Medical Insurance^† – Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip.
      • Flight/Trip Delay Insurance^† – Up to $1000 in coverage per insured person if your flight/trip is delayed for over 4 hours
      • Trip Cancellation/Trip Interruption Insurance^† – For Trip Cancellation, up to $2,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
      • Delayed and Lost Baggage Insurance^† – Up to $1,000 overall coverage per insured person toward purchasing essentials such as clothes and toiletries if your baggage is delayed more than 4 hours. For lost baggage, up to $2,500 of coverage per insured person.
      • Common Carrier Travel Accident Insurance^† – Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
      • Emergency Travel Assistance Services – Toll-free access to help in the event of a personal emergency while travelling
      • Auto Rental Collision/Loss Damage Insurance^† – Coverage up to 48 consecutive days
      • Hotel/Motel Burglary Insurance^† – Coverage of up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder.
      • Emergency Travel Assistance Services – Toll-free access to help in the event of a personal emergency while travelling

^† Terms and Conditions Apply. Refer to the TD page for up-to-date offer terms and conditions. This offer is not available for residents of Quebec.

 TD^® Aeroplan^® Visa Infinite* Card – Apply Now

• Eligibility: Personal income of $60,000 or a minimum household income of $100,000
• Annual Fee:
  • $139 (no Annual Fee for the first year^†)
    • Purchase Interest: 21.99%
    • Cash Advance Interest: 22.99%
  • Annual Fee Rebate for the first year† when you activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and add your Additional Cardholders while the offer is in effect.
  • Additional Cardholder^†: $75
• Special Offer: Up to 40,000 Aeroplan Points (Offer Effective as of January 7, 2025)
  • 10,000 Aeroplan Points as a welcome bonus when you make your first Purchase with your Card^†
  • 15,000 Aeroplan  Points when you spend $7,500 within 180 days of Account opening^†
  • One-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†
• Earn Rate: 
  • 1.5 Points^† for every $1 spent on eligible gas, electric vehicle charging, grocery, and direct through Air Canada^® purchases (including Air Canada Vacations^®)
  • 1 Point^† for every $1 spent on all other Purchases
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and 200+ online retailers via the Aeroplan eStore.
• Additional Benefits: 
  • • Save on baggage fees – Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
    • Enroll for NEXUS, and once every 48 months, get an application fee rebate (up to $100 CAD) ^† . Additional cardholders can also take advantage of this NEXUS program application fee rebate.  
    • Aeroplan Points do not expire if you are a TD Aeroplan Visa Infinite Cardholder in good standing.
    • Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks^®. Link your TD Aeroplan Visa Infinite Card to your Starbucks^® Rewards account. Conditions apply.
    • Complimentary Visa Infinite Concierge^†
    • Visa Infinite Luxury Hotel Collection^†– Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection, which features over 900 of the world’s most intriguing properties.
    • Insurance Coverage:
      • Travel Medical Insurance^†– Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip.
      • Flight/Trip Delay Insurance^†– Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours
      • Trip Cancellation/Trip Interruption Insurance^†– For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
      • Delayed and Lost Baggage Insurance^†– Up to $1,000 overall coverage per insured person toward purchasing essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
      • Common Carrier Travel Accident Insurance^†– Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
      • Emergency Travel Assistance Services – Toll-free access to help in the event of a personal emergency while travelling
      • Auto Rental Collision/Loss Damage Insurance^†– Coverage up to 48 consecutive days
      • Hotel/Motel Burglary Insurance^†– Coverage of up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder.

^†Terms and Conditions Apply. For up-to-date offer terms and conditions, refer to the TD page. This offer is not available for residents of Quebec.