Annual fee
$599
Primary cardholder
Best TD Credit Cards in Canada
TD cards are easier to compare when rewards and fees are side by side
TD offers cards for travel, cash back, points, Aeroplan, and lower-fee needs. RateBuddy helps organize the key details so you can compare TD cards by rewards, annual fee, welcome offer, benefits, and everyday fit.
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Ready to refine
Annual fee
$599
Purchase APR
21.99%
Cash advance
22.99%
TD Canada Trust
Best for
Travel Rewards
Premium
Rewards
Best for
Travel Rewards
Premium
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$3,000
Estimated rewards from spending
Based on $1,500 in monthly spending
$258.75
First-year annual fee
Fee charged during the first year
$599
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,659.75
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 | 1.5% | $27 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1.25% | $11.25 |
| Other purchases | $450 | 1.25% | $67.50 |
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
Aeroplan
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
$199
Supplementary cardholder
Before you apply
Eligibility snapshot
Recommended credit score
—
Minimum personal income
$150,000
Minimum household income
$200,000
Approval, rates and credit limits are determined by the card provider.
Annual fee
$149$0
First year waived
Purchase APR
14.99%
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
$1,900
Estimated rewards from spending
Based on $1,500 in monthly spending
$211.50
First-year annual fee
$149 first-year fee waiver applied
$149
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$2,111.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 1.5% | $54 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 1.5% | $13.50 |
| 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
Aeroplan
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
14.99%
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
$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.
Annual fee
$0 first year
Then $139 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
$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
$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
$1,450
Estimated rewards from spending
Based on $1,500 in monthly spending
$220.50
First-year annual fee
$139 first-year fee waiver applied
$139
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$1,670.50
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1.5% | $81 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 1.5% | $27 |
| Travel | $75 | 1.5% | $13.50 |
| Recurring bills | $75 | 1% | $9 |
| 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
Aeroplan
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 $139 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
$75
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
$139$0
First year waived
Purchase APR
21.99%
Cash advance
22.99%
TD Canada Trust
Best for
Cash Back
Rewards
Best for
Cash Back
Rewards
Welcome-offer value
Advertised value estimate, subject to eligibility and provider requirements
$600
Estimated rewards from spending
Based on $1,500 in monthly spending
$360
First-year annual fee
$139 first-year fee waiver applied
$139
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$960
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 3% | $162 |
| Dining | $300 | 1% | $36 |
| Gas and transit | $150 | 3% | $54 |
| Travel | $75 | 3% | $27 |
| 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
Cash Back
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 $139 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
$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
$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
$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
$500
Estimated rewards from spending
Based on $1,500 in monthly spending
$147.33
First-year annual fee
$89 first-year fee waiver applied
$89
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$647.33
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 1% | $54 |
| Dining | $300 | 0.67% | $24.12 |
| Gas and transit | $150 | 1% | $18 |
| Travel | $75 | 1% | $9 |
| Recurring bills | $75 | 0.67% | $6.03 |
| Other purchases | $450 | 0.67% | $36.18 |
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
Aeroplan
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.
Annual fee
$0
Purchase APR
19.99%
Cash advance
22.99%
TD Canada Trust
Best for
Cash Back
No Annual Fee
Business
Best for
Cash Back
No Annual Fee
Business
Welcome-offer value
No current monetary welcome-offer estimate was included
$0
Estimated rewards from spending
Based on $1,500 in monthly spending
$144
First-year annual fee
No annual fee
$0
Estimated first-year card value
Welcome value + spending rewards − first-year fee
$144
View spending and reward-rate details
| Spending category | Monthly spend | Rate | Annual value |
|---|---|---|---|
| Groceries | $450 | 0.5% | $27 |
| Dining | $300 | 0.5% | $18 |
| Gas and transit | $150 | 2% | $36 |
| Travel | $75 | 2% | $18 |
| Recurring bills | $75 | 2% | $18 |
| 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
Cash Back
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
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
$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.
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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
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PAYMENT NETWORKS
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Filter by Visa, Mastercard, or Amex acceptance.
CARD LEVELS
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KNOWLEDGE BASE
Frequently Asked Questions
Common questions about Compare Top TD 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.
Providing your Social Insurance Number (SIN) is usually optional for credit card applications, though it can help the issuer verify your identity and locate your credit file more accurately. You can generally apply without it, provided you supply other identification details.
Most Canadian credit cards charge a fee (typically 2.5%) on top of the exchange rate for any transaction made in a currency other than Canadian dollars. Cards marketed as 'No Foreign Transaction Fee' generally waive this 2.5% surcharge, though the exchange rate itself is still determined by the card network (Visa/Mastercard/Amex).
Major networks like Visa, Mastercard, and Amex have 'Zero Liability' policies. This generally means that cardholders are not held responsible for unauthorized transactions if they have taken reasonable care of their card and PIN, and report the loss or theft promptly to the issuer.
Contactless payments use encryption technology similar to Chip & PIN transactions. Limits are typically placed on the amount allowed per tap (e.g., $100-$250) to minimize risk. If a thief exceeds this limit, a PIN is required. You are also protected by the issuer's Zero Liability policy for fraudulent tap transactions.
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.
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