Jack Prenter, Founder of Dollarwise
TD Bank, a leading Canadian financial institution, offers a diverse range of credit cards to fit various needs.
In this article, we’ll highlight the top TD credit cards, discussing their key features and benefits. Whether you’re a traveler, shopper, or seeking cashback, find the TD card that’s right for you.
What is the best TD credit card?
The best TD credit card is the TD Aeroplan Visa Infinite. It stands out for its exceptional travel rewards, comprehensive insurance coverage, and numerous perks tailored for frequent flyers.
With this card, cardholders earn Aeroplan points on every purchase, which can be redeemed for flights, hotel stays, and other travel-related expenses.
Additionally, it often comes with a generous welcome bonus and offers premium travel benefits like priority boarding and complimentary checked bags. While the card does come with an annual fee, the value of its rewards and benefits can easily offset the cost for avid travelers.
The TD Aeroplan Visa Infinite emerges as a favorite for those who prioritize earnings on everyday essentials. For every dollar spent on gas, grocery, and drugstore purchases, cardholders earn an impressive 1.5x Aeroplan points.
For those who spend even more each month, it might be worth considering the Privilege version of the TD Aeroplan Infinite card.
This rate is particularly enticing for individuals and families who find themselves frequently refueling, restocking the pantry, or making routine trips to the pharmacy. For all other expenditures, you’ll still accrue a decent rate of 1x point per dollar, ensuring that no purchase goes unrewarded.
But the advantages of this card extend beyond just point accumulation. Travellers will particularly appreciate the comprehensive travel insurance benefits that come with it. From trip cancellation to emergency medical coverage, the card ensures you’re protected during your journeys, giving you peace of mind while you’re away from home.
If you’re a regular on Air Canada flights, the card sweetens the deal further: you can enjoy a complimentary first checked bag, a perk that can result in significant savings over multiple trips.
Another defining feature of the TD Aeroplan Visa Infinite is its access to the Visa Infinite suite of benefits. Cardholders have at their disposal a dedicated concierge service, ready to assist with everything from dining reservations to event bookings. Exclusive offers and experiences also await, elevating the cardholder’s lifestyle to a new level of luxury.
Lastly, the card’s versatility shines through in its point transfer feature. If, for any reason, you decide to fly with one of Aeroplan’s partner airlines, the ability to transfer your accumulated points ensures you can maximize your rewards no matter which airline you choose. This flexibility solidifies the TD Aeroplan Visa Infinite’s position as a top-tier choice for both everyday spenders and frequent flyers.
Best TD Cashback Credit Card
The Best TD Cashback Credit Card is the TD Cash Back Visa Infinite. Renowned for its competitive 3% cashback rates on groceries and gas, and 1% on everyday purchases.
Not only does it provide a significant percentage back on groceries, gas, and recurring bill payments, but it also boasts travel insurance, emergency assistance, and other premium perks. Its combination of high cashback rewards with added benefits makes it a top choice for those seeking to maximize their returns on daily expenses.
The TD Cash Back Visa Infinite is a standout card for those who prioritize earning cash back on their everyday expenditures. One of its most compelling features is the generous 3% cash back rate on eligible grocery, gas, and recurring bill payments.
This means that whether you’re filling up your car, stocking up your pantry, or handling monthly bills, you’re getting significant returns on those expenses.
While if you’re spending less monthly, a better cashback card could be the TD Cash Back Visa. Or, if you’re open to a rewards card, the TD Rewards Visa is a great option.
For other purchases outside these categories, the card doesn’t disappoint either. Cardholders earn a solid 1% cash back with no ceiling on the total earnings. This unrestricted cash back potential ensures that every purchase, big or small, gets you closer to your savings goals.
Beyond the cash back benefits, the TD Cash Back Visa Infinite also extends valuable perks to its users, especially those on the move.
The complimentary Roadside Assistance ensures peace of mind during travel, providing help when you most need it. Additionally, the travel insurance benefits that come with the card provide an added layer of protection during trips, covering various unforeseen circumstances.
To sweeten the deal for new cardholders, there’s a generous welcome offer in place. New users can reap a whopping 6% cash back on all their purchases for the first three months.
This rate applies up to $2,000 in total purchases, allowing new users to maximize their returns as they get acquainted with the card. With such a combination of cash back rates and additional perks, the TD Cash Back Visa Infinite becomes a strong contender for those seeking to maximize their card benefits.
Best TD Travel Credit Card
The Best TD Travel Credit Card is the TD First Class Travel Visa Infinite. Known for its robust rewards program, this card allows cardholders to earn significant points on travel-related purchases, which can then be redeemed for flights, hotel stays, and other travel expenses.
Additionally, it comes with comprehensive travel insurance coverage and premium benefits that are essential for frequent travelers. Its competitive earn rate, combined with the flexibility in redemption and additional perks, makes the TD First Class Travel Visa Infinite a top choice for those prioritizing travel in their spending habits.
The TD First Class Travel Visa Infinite is a premier choice for those who prioritize earning substantial rewards on their travel purchases. Every time you use this card for your travel expenses, you’re ensured a handsome return in the form of rewards, making your trips more economical in the long run.
Another notable feature of this card is its comprehensive travel insurance coverage. This means that while you’re out exploring the world, you can have peace of mind knowing that you’re protected against unforeseen circumstances. Whether it’s trip cancellations, medical emergencies, or other travel hiccups, the TD First Class Travel Visa Infinite has got you covered.
One of the standout attributes of this card is the flexibility it offers when it comes to redeeming points. Unlike some cards that limit you to specific airlines or hotel chains, with the TD First Class Travel Visa Infinite, you can redeem your points for any travel purchase and use TD for Expedia.
This offers unparalleled freedom in planning your journeys. Furthermore, you don’t have to grapple with blackout dates or restrictive travel policies. Your travel rewards points can be used anytime, ensuring you always get the most out of them.
Lastly, to sweeten the deal, newcomers to the TD First Class Travel Visa Infinite are greeted with a $100 travel bonus upon joining. This welcome gesture not only gives new cardholders a head start in their rewards journey but also underscores the card’s commitment to delivering value to its users.
How did we rank these TD cards?
We collected an enormous amount of data for every credit card in our system, with 100+ pieces of data for each card.
Using this data, and what we believe is an average breakdown of monthly spending habits, we’re able to predict the rewards that you would earn using each credit card. We then consider other reviews, our personal experience and the commission that we earn on referrals to decide how to rank them.
Factors in our data include:
- annual fees
- welcome bonuses
- interest rates
Our goal is to be as impartial as possible and as a business the referral fees we earn do play a small role in our rankings, or whether a card is included on the site at all.