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TD Canada Trust credit cards

TD Canada Trust, the country’s second-largest bank, has a broad selection of Visa and Mastercard products.

Showing 1 — 10 of 43
Annual fee $0
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
12.99%
Cash advance rate
24.99%
Balance transfer rate
0%
12.99% after 6 months
Card description
  • No annual fee
  • Standard Annual Interest Rates of 12.99% on eligible purchases, 12.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50). Limited time offer, apply online by March 29, 2019.
  • Around-the-clock fraud protection
  • Access to 24/7 customer service
  • Immediate cash access at over 1 million ATMs internationally
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $0
Rewards rate N/A
Bonus offer 1.99% Interest rate on balance transfers (first 6 months)
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
8.99%
Cash advance rate
8.99%
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • Enjoy a low 8.99% interest rate on purchases
  • Optional balance transfer offer - Enjoy a 1.99% interest in first 6 months of card membership if you choose to transfer your other credit card balances to this American Express card*
  • Balance transfer option is only available at time of online application. There is no balance transfer fee at time of application*
  • Access to memorable experiences with American Express Invites™
  • Shopping coverage and 24/7 customer service
  • Have the flexibility to pay your balance in full or over time
  • * American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Purchase Protection
  • Travel Insurance
Annual fee $39
Rewards rate N/A
Bonus offer 0% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$39
Purchase interest rate
8.99%
Cash advance rate
24.99%
Balance transfer rate
0%
8.99% after 6 months
Card description
  • $39 annual fee
  • Standard Annual Interest Rates of 8.99% on purchases, 8.99% on balance transfers✪ and access cheques, and 24.99% on cash advances
  • You could get a 0% promotional annual interest rate (“AIR”)† for 6 months on balance transfers✪ completed within 90 days of account opening, with a fee of 1% of the amount advanced (minimum fee of $7.50). Limited time offer, apply online by March 29, 2019.
  • A suite of comprehensive insurance**
  • Around-the-clock-fraud protection
  • Access to 24/7 customer service
Features
  • 24/7 Customer Service
  • Fraud Protection
Annual fee $0
Rewards rate 2% Cash back on two categories of your choice
Bonus offer 1.95% Interest rate on balance transfers (first 6 months)
Card details
Network
Mastercard
Provider
Tangerine
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.95%
Cash advance rate
19.95%
Balance transfer rate
1.95%
19.95% after 6 months
Card description
  • Get a 1.95% interest rate on balance transfers for the first 6 months, with a fee of 1% of the amount advanced
    • Only available for 30 days after being approved for a Tangerine Credit Card
  • Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.5% Money-Back Rewards on all other purchases
  • Get three 2% Money-Back Categories if you choose to have your Rewards deposited into your Tangerine Savings Account, or two 2% Money-Back Categories if your Rewards are deposited back onto your Credit Card
  • No limit on the amount of Money-Back Rewards you can earn
  • No annual fee
  • 2.5% Foreign Conversion Fee
  • Free Cards for Authorized Users on your Account
  • Money-Back Rewards are earned automatically and paid monthly, and can either be applied towards your Credit Card balance or redeemed into your Savings Account.
  • Change your 2% Money-Back Categories to suit your spending.
  • Orange Alerts are emailed to you so that you’re up-to-date on what's happening in your Account.
  • Purchase Assurance and Extended Warranty
  • Accepted worldwide at more than 24 million locations in over 210 countries
  • Mastercard Zero Liability
Features
  • Extended Warranty
  • Free Supplementary Card
  • Purchase Protection
Annual fee $29
Rewards rate N/A
Bonus offer 0.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$29
Purchase interest rate
12.99%
Cash advance rate
12.99%
Balance transfer rate
0.99%
12.99% after 6 months
Card description
  • 0.99% introductory interest rate on balance transfers for the first 6 months (12.99% after that; annual fee $29) ◊. For accounts opened by February 28, 2019.
  • Save hundreds of dollars in interest a year.
  • Low 12.99% interest rate.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Annual fee $65
Rewards rate 1 Air Miles reward mile per $15 spent
Bonus offer 2,000 Air Miles
Card details
Network
American Express
Provider
American Express
Credit needed
Excellent
Fees and interest
Annual fee
$65
Purchase interest rate
19.99%
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
1.99%
22.99% after 6 months
Card description
  • New American Express® AIR MILES®* Platinum Credit Card card members, earn a Welcome Bonus of 2,000 AIR MILES®* Reward Miles when you charge a total of $1,500 in purchases to your card within your first three months of card membership. That's enough for a select flight
  • Earn 1 Mile for every $10 in Card purchases at eligible AIR MILES®* Partner
  • * Excludes purchases made at airmilesshops.ca
  • Earn 1 Mile for every $10 in card purchases at AIR MILES®* Partners and at other eligible grocery stores, gas stations, and drugstores in Canada
  • Plus, earn 1 Mile for every $15 in card purchases everywhere else
  • Optional balance transfer offer - Enjoy a 1.99% interest rate in the first 6 months of card membership if you choose to transfer your other credit card balances to this American Express card
  • Balance transfer option is only available at time of online application. There is no balance transfer fee at time of application
  • Shop at participating AIR MILES®* Partners®* across Canada with your card and show your AIR MILES®* Card, and you can earn reward miles twice *American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Air Miles Rewards
  • Entertainment Benefits
  • Extended Warranty
  • Purchase Protection
  • Rental Car Insurance
  • Travel Insurance
Annual fee $99 $0 for the first year
Rewards rate 4% Cash back on gas and grocery store purchases
Bonus offer 10% Cash back on everyday purchases (first 3 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Excellent
Fees and interest
Annual fee
$99
$0 for the first year
Purchase interest rate
19.99%
Cash advance rate
22.99%
Balance transfer rate
22.99%
Card description

•  Earn 10% cash back on everyday purchases for the first 3 months (up to $200) ◊. Plus, your first year annual fee waived * A value of up to $299 in the first year †. For accounts opened by February 28, 2019.
•  4% on eligible gas station and grocery store purchases
•  2% on eligible drug store purchases and recurring bill payments
•  1% cash back on all other eligible everyday purchases
•  Rates, fees and other information are effective as of March 1, 2018. Subject to change.

Annual fee $0
Rewards rate N/A
Bonus offer 3.99% Interest rate on balance transfers (first 6 months)
Card details
Network
VISA
Provider
Scotiabank
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
16.99%
Cash advance rate
16.99%
Balance transfer rate
3.99%
16.99% after 6 months
Card description
  • 3.99% introductory interest rate on balance transfers for the first 6 months (16.99% after that) ◊. For accounts opened by February 28, 2019.
  • A great low rate with no annual fee.
  • Pay down balances faster.
  • Simplify your monthly payments.
  • Rates, fees and other information are effective as of February 1, 2018. Subject to change.
Features
  • Rental Car Discounts
Annual fee $120
Rewards rate 5 Points per $1 spent on eats and drinks, including groceries
Bonus offer 30,000 Membership Rewards points
Card details
Network
American Express
Provider
American Express
Credit needed
Good
Fees and interest
Annual fee
$120
Purchase interest rate
19.99%
*7.99% rate charged within the first 6 months
Cash advance rate
22.99%
*provided you make your minimum monthly payments on time
Balance transfer rate
N/A
Card description
  • Enjoy a special low interest rate of 7.99% on purchases charged to your card within the first 6 months**
  • In your first year as a new Cobalt card member, you can earn 2,500 Membership Rewards® points for each monthly billing period in which you spend $500 in net purchases on your card. This could add up to 30,000 points in a year
  • 30,000 points are enough for:
    • An eligible short-haul flight using the Fixed Points Travel Program, or
    • $300 in statement credits redeemed towards travel purchases charged to your card or
    • $300 worth of tickets on Ticketmaster.ca
  • Earn 5 points for every $1 spent on card purchases at eligible restaurants, bars, grocery stores and food delivery in Canada
  • Earn 2 points for every $1 spent on eligible transit & gas purchases in Canada and eligible travel purchases. That's 2X the points on purchases that get you from point A to B
  • Earn 1 point for every $1 in card purchases everywhere else. We won't tell you where to spend, we'll just reward you on your card purchases
  • Cobalt card members receive regular perks such as bonus reward offers and access to great events
  • Get advance access to tickets to some of the hottest concerts, shows and events through Front Of The Line® by American Express Invites® and advance screenings to blockbuster movies
  • Receive up to a $100 USD hotel credit at participating properties on qualifying room charges and a room upgrade, when available
  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and terms and conditions, click the Apply now link.
  • Conditions apply
Features
  • 24/7 Customer Service
  • Entertainment Benefits
  • Fraud Protection
  • Rental Car Insurance
  • Travel Benefits
  • Travel Insurance
Annual fee $0
Rewards rate 1 Best Western point per $1 spent
Bonus offer 20,000 Best Western Rewards points
Card details
Network
Mastercard
Provider
MBNA
Credit needed
Good
Fees and interest
Annual fee
$0
Purchase interest rate
19.99%
Cash advance rate
24.99%
Balance transfer rate
1.99%
21.99% after 10 months
Card description
  • Reward yourself with a free night's stay. You could get a FREE night with the Best Western Rewards® Mastercard® credit card‡
  • Earn 20,000 Best Western Rewards® points†† on your first purchase – enough for a free night stay
  • Earn 1 Best Western Rewards® point for every $1 in eligible purchases‡
  • Earn 5 Best Western Rewards® points for every $1 in eligible purchases at Best Western properties‡
  • You will be awarded "Gold Status" upon first use of your credit card and "Diamond Status" when you spend $10,000 in eligible purchases within one year♦♦
  • No limit to the Best Western Rewards® points that can be earned using the credit card in a year
  • Use your Best Western Rewards® points in many ways – hotel stays, dining, gift cards and more
  • You could get a 1.99% promotional annual interest rate (“AIR”)† for 10 months on balance transfers✪ [completed within 90 days of account opening], with a fee of 1% of the amount advanced (minimum fee of $7.50)
Features
  • No Limit on Points Earned
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The TD advantage

 

Meet TD, the second-largest of Canada’s Big Five Banks. TD has a wide variety of credit cards to choose from, the majority of which are offered through Visa. TD also has a strong partnership with popular loyalty program Aeroplan, where cardholders can earn and redeem miles for plenty of great rewards.

Here are some of the other great benefits you’ll get when you choose a TD credit card.

Apple Pay

TD has made paying with your credit card a breeze through Apple Pay. All of its credit cards are accessible via Apple Pay, meaning you can add your TD credit card to your Apple iPhone or iWatch and enjoy the security, simplicity and convenience of paying with your mobile device.

Excellent mobile banking app

Keeping track of your credit card usage has never been easier. The TD mobile banking app allows you access to everything you’ll need when it comes to your account — all while on the go. You’ll be able to view your account activity, transfer money between accounts, pay bills, send money using Interac e-Transfers®, plus have access to your credit card statements. A recent app update also added the ability to view pending transactions on your credit card account in real time.

TD Rewards

Many of TD’s most popular credit cards give you access to TD’s rewards program. With the program you’ll collect points when you make purchases with your card, which can then be redeemed for travel, merchandise, and gift cards. You’ll also have the option to redeem your points for cash, or towards a credit at HigherEdPoints — a program that transforms loyalty program points into payments for school.

Aeroplan

As one of Canada’s most popular loyalty programs, Aeroplan has partnerships with hundreds of companies and brands. TD has a number of Aeroplan cards to choose from, and miles collected while using your TD Aeroplan card can be used towards discounts on travel, merchandise and more.

Recommended TD credit cards

 

TD offers a large variety of credit cards in various categories. The big Canadian bank boasts great options, regardless of what you’re in the market for: whether it’s a great no-fee card, competitive travel rewards or a card with top-notch cash back offers. Check out a few of TD’s fan favourites.

Most popular
TD® Aeroplan® Visa Infinite Card
TD® Aeroplan® Visa Infinite Card

It’s not a surprise that the TD® Aeroplan® Visa Infinite Card is one of TD’s most popular credit cards — especially among Canadians who love to travel. Using this card is one of the best ways to collect Aeroplan Miles, which can be redeemed for seats on Air Canada flights. You’ll earn 1.5 miles for every $1 spent using your card on eligible grocery, gas, drugstore and aircanada.com purchases, plus one mile for every $1 spent on all other purchases. Finally, there’s a welcome bonus of 15,000 Aeroplan Miles that you’ll receive after your first purchase. The annual fee of $120 is well worth it when you consider the benefits — which also include an extensive suite of travel insurance, a complimentary checked bag, and priority check-in and boarding on Air Canada flights.

Best cash back
TD Cash Back Visa Infinite Card
TD Cash Back Visa Infinite Card

Looking for the best of the best of cashback cards? Then the TD Cash Back Visa Infinite Card is for you. This card boasts 3% cashback on eligible grocery and gas purchases, as well as on regularly recurring bill payments. You’ll earn 1% cashback on all other purchases made with your card, in addition to a generous welcome bonus of 6% cash back during your first three months. In case those benefits weren’t enough, there’s more. Cardholders can redeem their cashback dollars to help pay down their account balance, and cashback dollars never expire. Cardholders will also have access to emergency road service, TD travel medical insurance, and more. The annual fee of $120 is waived for the first year, and after that, frequent use of this card will more than pay for itself.

Best travel
RBC Rewards+ Visa
TD First Class Travel Visa Infinite Card

A premium travel card, the TD First Class Travel Visa Infinite Card is perfect for jet-setters who want the flexibility of redeeming rewards points toward any travel expense of your choosing. You’ll earn three TD Points for every $1 spent using your card — a return of up to 1.5%. Plus, when you book travel online through Expedia for TD, you’ll earn triple the TD points (a return of up to 4.5%). In addition, cardholders are guaranteed no travel blackouts, no seat restrictions, and no expiry of TD Points. If that’s not enough, this card also offers travel medical insurance and trip cancellation insurance, plus a generous welcome bonus of 20,000 TD points. The $120 annual fee is well worth the perks that come with this premium travel card.

About TD

 

TD Canada Trust, formerly known as the Toronto-Dominion Bank, and before that, the Bank of Toronto, first opened its doors in 1856. In 2000, the bank merged with Canada Trust, and is now the second largest of the Big Five Canadian banks.

Long known for its emphasis on great customer service, TD takes care of the little things, like staying open longer than its competitors and giving free financial advice. TD also has a large portfolio of credit cards, made larger by its recent purchase of MBNA Canada. The bank now offers a broad spectrum of Mastercard products, in addition to its excellent TD Visa selection.

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