The very best TD bank cards in Canada in 2025

Greatest no-fee money again bank card

If you wish to earn money again however don’t need to pay an annual payment, take into account the TD Money Again Visa. Know, although, that the perks are lean—count on buy safety and prolonged guarantee—however like different TD playing cards, your money again rewards by no means expire, and you may redeem this cash everytime you need.

MoneySense editor insights: This TD bank card had our editors at “no annual payment”—many different playing cards from TD include a $139 price ticket. And sometimes cash-back playing cards (even outdoors of the TD suite) have an annual payment. So we like that this has one of the best of each: No annual really feel and cash-back rewards. For a breakdown of the rewards see under.

Greatest scholar bank card

It’s not widespread to search out rewards playing cards with out an annual payment, and even much less so with a stable rewards earn fee. The TD Rewards Visa Card presents an ideal entry level for college students on a price range.

MoneySense editor insights: If you happen to’re making use of on your first-ever bank card then this no-fee rewards card is sweet for college students wanting to make use of a TD card. You may as properly earn reward factors out of your grocery and bookstore hauls.

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TD Rewards Visa Card

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Annual payment: $0

Welcome supply: Earn a price of $50 in TD Rewards Factors to make use of on eligible Amazon.ca purchases, plus no annual payment. Circumstances apply.

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Card particulars

Rates of interest	19.99% on purchases, 22.99% on money advances and 22.99% on stability transfers This supply is just not obtainable for residents of Quebec.
Revenue required	None specified
Credit score rating	640 or increased (advisable)
Level worth	.

Greatest low-interest bank card

If you might want to finance an enormous buy, have an surprising expense, or simply need to rating an ultra-low rate of interest, this TD bank card is a reasonably good choice. 

MoneySense editor insights: The standard rate of interest on bank cards in Canada is round 20%. This card’s fee is editor-approved!

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TD Low Charge Visa Card

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Annual payment: $25

Low rate of interest: 12.90% on purchases (13.90% for Quebec residents)

Welcome supply: None presently.

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Card particulars

Rates of interest	12.90% on money advances (13.90% for Quebec residents), 0% on stability transfers (13.90% for Quebec residents)
Revenue required	None specified
Credit score rating	640 or increased (advisable)

TD All-Inclusive Banking Plan

TD’s All-Inclusive Banking Plan is a premium checking account that gives top-tier companies and invaluable reductions, a few of which reward these carrying choose TD bank cards. For instance, All-Inclusive Banking Plan account holders obtain an annual payment waiver once they join sure TD bank cards for each the first and one further card holder—for so long as they carry the account. Simply how a lot are you able to save? A bundle. The TD Money Again Visa Infinite, for instance, prices $139 yearly plus $50 for as much as one licensed cardholder. The $189 annual financial savings properly offsets the account charges whereas permitting you to leverage the perks related together with your bank card. Eligible playing cards embody the next: TD Aeroplan Visa Infinite, TD Aeroplan Visa Platinum, TD First Class Journey Visa Infinite, TD Platinum Journey Visa, and TD Money Again Visa Infinite.

Sweetening the pot for account holders, TD rewards with premium chequing account advantages similar to limitless debit transactions and Interac e-Transfers, a small security deposit field, cash orders and customized and authorized cheques—all included. Moreover, there are not any TD transaction charges while you use an ATM in Canada, the U.S. or internationally (apart from change fee charges). Clearly, bundling accounts with the large banks has its perks, together with that it retains issues easy.

This premium account does come at a premium value. The month-to-month payment is $29.95, or $22.45 for seniors. Nonetheless, for many who can afford to maintain $5,000 parked within the account, that payment is rebated, that means all these perks together with the bank card rebates are free. In any other case, you’ll need to weigh the advantages in opposition to the price. The annual payment comes out to just about $360 (or virtually $270 for seniors) however any bank card rebates would come out of that whole.

Learn how to use TD’s cash-back {dollars}

The TD Money Again Rewards bank card program permits you to redeem on-demand with out time restrictions, not like another packages that limit you to as soon as per calendar yr. You’ll be able to redeem when you’ve accrued $25 (that’s the minimal redeemable quantity, too) and your cash-back rewards by no means expire. The TD program is likely one of the most versatile cash-back packages on the market, although it’s value mentioning that BMO does have an edge in you could redeem with as little as $1 in your account.

Learn how to redeem TD journey factors

TD Rewards factors may be redeemed for a spread of reward playing cards, merchandise and even money–however they’re at the beginning made for journey redemptions, particularly from the Expedia For TD web site. The worth of your factors varies based on what you redeem them for, and the way. We break down the choices under:

How a lot is a TD journey level value on Expedia For TD

200 TD factors = $1
1 TD level = 0.5 cent

You’ll get the perfect worth out of your factors when redeeming on ExpediaforTD.com. There, you’ll be able to put your factors towards reserving free or discounted journey from Expedia, one of many world’s largest journey search engines like google and yahoo and on-line journey businesses. There are not any blackout dates or airline restrictions, and the factors values stay constant irrespective of how, when or the place you’re travelling, making this methodology a winner for many who don’t need to spend their time deciphering rewards charts.

Guide Any Manner

250 TD factors = $1 on the preliminary $1,200 of journey reserving
1 TD level = 0.4 cent (0.4%)

200 TD factors = $1 on any quantity that’s over $1,200
1 TD level = 0.5 cent (0.5%)

If you happen to don’t need to e-book by Expedia For TD, you will have the pliability to go elsewhere. That features shopping for your tickets as straight from an airline or a journey company. You should use TD factors for just about something travel-related together with flights, lodges, excursions and automotive leases. Merely choose the Guide Any Manner choice while you redeem your factors. The one drawback: At 0.4 of a cent per level on the preliminary $1,200, you’ll get barely much less worth than you’d on Expedia For TD. This works out to about 25% much less worth per level.

Redeem factors for money

400 TD level = $1
1 TD level = 0.25 cent (0.25%)

All people loves money, however at 400 factors per $1, utilizing your TD factors to get it isn’t one of the best thought. If you wish to earn money with TD, it’s higher to go together with one in every of TD’s money again playing cards. Nonetheless, for those who’re nonetheless trying to flip your factors into money, you’ll be able to–simply know that you just want a minimal of 10,000 factors.

Redeem factors for reward playing cards

Common 1 TD level = 0.25 cent (0.25%)

There’s all kinds of reward card choices on TDRewards.com, usable towards purchases at retailers together with Greatest Purchase, Canadian Tire, Foot Locker, Mattress Tub & Past, and others. That mentioned, the worth of your redemption achieved this manner matches what you’d get when utilizing factors for money again so that you’re higher off utilizing one other methodology.

Redeem factors for merchandise

TD factors can be utilized towards an enormous number of merchandise, from train gear to electronics. Factors values on this stuff fluctuate dramatically however usually will hover between 0.2 and 0.35 of a cent per level.

About TD Aeroplan rewards

Aeroplan launched a program overhaul on November 8, 2020, at which period Aeroplan factors will probably be redeemable for flights primarily based on a redemption chart that breaks up the world into 4 totally different journey zones: North America, Atlantic, Pacific and South America. You’ll have the ability to redeem factors for flights on Air Canada, plus greater than two dozen Star Alliance members, together with Singapore Airways, Austrian Airways and United.

TD level values fluctuate relying on the place you’re flying to and the way widespread the route is, however you need to use this calculation:

Worth of 1 Aeroplan level = (value of ticket – charges) ÷ Aeroplan factors wanted to redeem

For an instance: if a round-trip flight from Toronto to Vancouver has a base fare of $405 and $20 in charges, your method would seem like this:

($405 – $20) ÷ 25,000 TD factors = 1.54 cents per 1 Aeroplan level

You may as well maximize your factors values by including stopovers, getting baggage charges waived, and so forth.