Annual fee
$0 first year
Then $139 annually
Best TD Rewards Credit Cards in Canada
TD Rewards cards work best when they match how you book and spend
TD Rewards cards can be useful for travel and everyday points earning, but value depends on spending categories, redemption choices, fees, and bonuses. RateBuddy helps organize those details for easier comparison.
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Compare Top TD Rewards Cards
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Annual fee
$139$0
First year waived
Purchase APR
21.99%
Cash advance
22.99%
TD Canada Trust
Best for
Travel Rewards
Rewards
Best for
Travel Rewards
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,400
Estimated rewards from spending
Based on $1,500 in monthly spending
$396
First-year annual fee
$139 first-year fee waiver applied
$139
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,796
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 3% | $108 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 4% | $36 |
| Recurring bills | $75 | 2% | $18 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
TD Rewards
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$50
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$60,000
Minimum household income
$100,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$149$0
First year waived
Purchase APR
19.99%
Cash advance
22.99%
TD Canada Trust
Best for
Travel Rewards
Business
Rewards
Best for
Travel Rewards
Business
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$1,300
Estimated rewards from spending
Based on $1,500 in monthly spending
$337.50
First-year annual fee
$149 first-year fee waiver applied
$149
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,637.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 3% | $108 |
| Gas and transit | $150 | 3% | $54 |
| Travel | $75 | 4.5% | $40.50 |
| Recurring bills | $75 | 3% | $27 |
| Other purchases | $450 | 1% | $54 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
TD Rewards
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $149 annually
Purchase APR
19.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$49
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$89$0
First year waived
Purchase APR
21.99%
Cash advance
22.99%
TD Canada Trust
Best for
Travel Rewards
Rewards
Best for
Travel Rewards
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$370
Estimated rewards from spending
Based on $1,500 in monthly spending
$297
First-year annual fee
$89 first-year fee waiver applied
$89
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$667
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 2.25% | $121.50 |
| Dining | $300 | 2.25% | $81 |
| Gas and transit | $150 | 0.75% | $13.50 |
| Travel | $75 | 3% | $27 |
| Recurring bills | $75 | 1.5% | $13.50 |
| Other purchases | $450 | 0.75% | $40.50 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
TD Rewards
First year free
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0 first year
Then $89 annually
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$35
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Annual fee
$0
Purchase APR
21.99%
Cash advance
22.99%
TD Canada Trust
Best for
No Annual Fee
Rewards
Best for
No Annual Fee
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$50
Estimated rewards from spending
Based on $1,500 in monthly spending
$198
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$248
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 0.5% | $9 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1% | $9 |
| Other purchases | $450 | 0.5% | $27 |
This is an estimate, not a guaranteed cash return. Actual value depends on spending, eligibility, redemption choices and meeting the provider’s offer terms. Reward rates are treated as estimated cash-equivalent percentages.
Rewards program
TD Rewards
Card essentials
Rates, fees and requirements
The important numbers, organized so they are easy to scan and compare.
Annual fee
$0
Primary cardholder
Purchase APR
21.99%
Regular purchase rate
Cash advance APR
22.99%
Cash transaction rate
Balance transfer APR
—
When available
Foreign transaction fee
—
Foreign-currency purchases
Additional card fee
$0
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
—
Minimum household income
—
Approval, rates and credit limits are determined by the card provider.
Wallet Optimization
Maximize Your Potential
Why use a generic card? Choosing a card that aligns with your spending habits could help you earn more value over time.
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Rankings based on hard numbers (fees vs rewards), not advertising budgets.
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Why Choose a Credit Card?
Beyond simple convenience, the right credit card offers a layer of consumer protection, financial leverage, and rewards that debit cards or cash simply cannot match.
Zero Liability Protection
Canadian credit cards come with robust federal protections against unauthorized transactions. Unlike cash, which is gone forever if lost, or debit cards which are directly linked to your bank funds, a credit card offers a buffer. If your card is used fraudulently, you are generally not held liable for those charges once reported. This keeps your actual bank account safe and liquid while the bank investigates the issue. It provides peace of mind in an era of increasing digital fraud.
Value-Added Rewards
Every purchase you make is an opportunity to earn a return on your spending. Whether you prefer travel points, merchandise, or cash back, using a credit card allows you to get value back on expenses you were going to pay anyway. Over the course of a year, a standard 1-2% reward rate can accumulate into hundreds of dollars in free groceries or flights. It is effectively a discount on your entire lifestyle, provided you pay your balance in full. Why pay full price with cash when you can earn a rebate with credit?
Building Credit History
Your credit score is your financial passport in Canada, dictating your ability to rent apartments, get a mortgage, or finance a car. Responsible credit card use is one of the most effective and fastest ways to establish this history. By using a card and paying it off on time every month, you demonstrate reliability to future lenders. A long, positive history with a credit card accounts for a significant portion of your credit score calculation. Without this history, obtaining major loans later in life can be difficult or much more expensive.
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Cash Back
Earn money on daily spend.
Travel Rewards
Best for frequent flyers.
SPEC SHEET
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ISSUERS
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LOYALTY PROGRAMS
Browse by Reward Program:
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PAYMENT NETWORKS
Browse by Network:
Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
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From entry-level options to exclusive black cards. Find the eligibility level that fits you.
KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top TD Rewards Cards Cards and financial strategy.
Disclaimer: Information is for educational purposes only and does not constitute financial or legal advice. Terms subject to change by issuers.
An authorized user is someone you add to your account (like a spouse or child) who gets their own card. The primary cardholder is fully responsible for all debt incurred by the authorized user. It can be a way to help someone build credit habits, but legal liability remains with the primary account holder.
In Canada, you will often see AIR (Annual Interest Rate) used. It represents the yearly cost of borrowing on the card. Standard cards typically have purchase interest rates around 20.99%, while Low Interest cards can be significantly lower. Cash advances often carry higher interest rates than purchases.
If you close a credit card account, you may forfeit any unredeemed points associated directly with that card. However, if the points are held in a separate loyalty program account (like Aeroplan or Air Miles), they generally remain safe. Always check the forfeiture policy before closing an account.
Some loyalty programs (like Aeroplan or Scene+) allow for points pooling or transfers between family members, sometimes for free and sometimes for a fee. Check the specific terms and conditions of your loyalty program to see if transfers are permitted.
For most personal credit cards, the Canada Revenue Agency (CRA) typically treats cash back as a 'discount' rather than income, meaning it is generally not taxable. However, rewards earned on business credit cards or through banking signup bonuses may be treated differently. RateBuddy recommends consulting a tax professional for your specific situation.
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