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TD Credit Cards Compared 2025: Which Is Best?

Updated: March 2026 | Reviewed by the Bremo editorial team

TD Bank offers a full lineup of Visa credit cards in Canada, from no-fee entry-level options to premium travel cards with comprehensive insurance. If you bank with TD or want a TD card for the Aeroplan program, here's how every major TD credit card stacks up in 2025.

All TD Credit Cards — Full Comparison

Card	Rewards	Top Rate	Annual Fee	Income Req.
TD Aeroplan Visa Infinite Privilege	Aeroplan	2 pts/$	$599	$150k HH
TD Aeroplan Visa Infinite	Aeroplan	1.5 pts/$	$139	$60k/$100k
TD Cash Back Visa Infinite	Cash Back	3%	$120	$60k/$100k
TD First Class Travel Visa Infinite	TD Points	9 pts/$	$120	$60k/$100k
TD Rewards Visa	TD Points	4 pts/$	$0	None
TD Aeroplan Visa (no fee)	Aeroplan	0.67 pts/$	$0	None
TD Cash Back Visa	Cash Back	1%	$0	None
TD Emerald Flex Rate Visa	None	N/A	$32/yr	None

Best TD Cards in Detail

Best TD Card

TD Aeroplan Visa Infinite

The TD Aeroplan Visa Infinite is TD's most popular and best overall card. It offers the best balance of earn rates, travel insurance, and annual fee. Frequently offered with a first-year fee waiver and welcome bonus of 20,000–50,000 Aeroplan miles.

1.5 Aeroplan pts/$ on groceries, gas, and Air Canada purchases
1 pt/$ on everything else
Comprehensive travel insurance (medical, trip cancellation, car rental, etc.)
Earn toward Air Canada status
Annual fee: $139 | Income: $60k individual / $100k household

Best Cash Back TD Card

TD Cash Back Visa Infinite

Earn 3% on groceries, gas, and recurring bill payments — one of the stronger Visa cash back cards from a Big 5 bank. Travel insurance included.

3% on groceries, gas, and recurring bills
1% on all other purchases
Annual fee: $120 (waived first year sometimes)
Travel and purchase protection insurance
Income: $60k individual / $100k household

TD First Class Travel Visa Infinite

Earns TD Rewards points redeemable through Expedia for TD — useful if you prefer flexible travel booking without being locked into Air Canada. 9 pts per $1 on Expedia for TD bookings is a standout rate.

9 pts/$ on Expedia for TD bookings
6 pts/$ on groceries and restaurants
4 pts/$ on recurring bills
2 pts/$ on everything else
Annual fee: $120
TD Points worth approximately 0.5 cents each for travel (so 9 pts = ~4.5% return)

TD Aeroplan Visa Infinite Privilege

TD's premium Aeroplan card for heavy Air Canada travelers. Preferred mileage pricing, complimentary Maple Leaf Club passes, and a higher earn rate justify the steep fee for frequent flyers.

Up to 2 Aeroplan pts/$
Preferred pricing: up to 35% fewer points for rewards
Annual Maple Leaf Club (Air Canada lounge) passes
Annual fee: $599 | Income: $150k household

TD's No-Fee Options

If you want a TD card without paying an annual fee:

TD Aeroplan Visa (no fee): Earns 0.67 Aeroplan pts/$ — slow but free Aeroplan earning
TD Cash Back Visa (no fee): 1% cash back on all purchases — nothing special but zero cost
TD Rewards Visa (no fee): 4 pts/$ on groceries and restaurants, 2 pts/$ on transit and recurring bills

Which TD Card Is Right for You?

Air Canada traveler: TD Aeroplan Visa Infinite
Cash back maximizer: TD Cash Back Visa Infinite
Flexible travel booker: TD First Class Travel Visa Infinite
Student / credit builder: TD Rewards Visa (no fee)
Frequent Air Canada flyer: TD Aeroplan Visa Infinite Privilege

Earn Cash Back Without a Credit Card — KOHO

KOHO's prepaid Mastercard earns cash back on groceries and gas without the risk of credit card debt. No credit check, no annual fee. Use code 45ET55JSYA for a sign-up bonus.

Get KOHO Free — Use Code 45ET55JSYA

Bottom Line

The TD Aeroplan Visa Infinite is TD's best card for most Canadians. The Cash Back Visa Infinite is the pick if you prefer cash rewards. For TD banking customers, these cards integrate seamlessly with TD's app and banking ecosystem — and welcome offers often include first-year fee waivers that make the decision risk-free to try.