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By Keph Senett on January 4, 2022 Estimated reading time: 6 minutes

Expedia For TD: How to maximize your TD travel rewards credit card

Book your flights, hotels and accommodation through the Expedia For TD travel portal to make the most of the travel rewards you earn with your TD Visa.

You’ve surely heard of travel site Expedia, and you’ve heard of TD Bank. But have you ever booked travel through the Expedia For TD website? The program, which marries the travel service with the banking brand, delivers substantial earnings and deals to travellers who book through their branded portal and pay with a TD credit card . Let’s take a look at how the program works, and how to reap the most rewards.

About Expedia For TD

Expedia For TD is a segment of the TD Rewards environment, so the “currency” you’re collecting is TD Points that can be redeemed for merchandise, gift cards, cash and, importantly, travel. Another major benefit of the TD travel program is that it’s flexible. It allows you to use your Points to book your flights, hotels, cruises and excursions directly with any provider you choose. You can use your Points for these purchases, even up to 90 days after the fact. (However, when you book through Expedia For TD, points must be redeemed at the time of purchase.)

When you log into Expedia For TD , you’ll see a TD-branded version of the Expedia site. Here, you can redeem your TD Points for flights, hotels, car rentals and more, but the real incentives come by way of redemption rate, flexibility and earnings. If you redeem through Expedia For TD, no matter what you book, your redemption rate is $0.005 per point.** This is better than the rate you’d get by cashing in on other non-travel rewards. Additionally, you can collect within the TD Rewards environment and outside of it simultaneously. So, when you use Points on purchases at Expedia For TD, you can still collect from your separate airline rewards program. Finally, using the portal assigns bonus points to TD credit cardholders, which can multiply—sometimes dramatically—the number of Points you earn on travel purchases. Conveniently, you don’t have to wait until you’ve racked up thousands of Points to redeem: you can start using your Points as soon as you’ve accumulated 200. There’s even a dedicated 24/7 support line to help you make your bookings.

Are there any drawbacks I should watch out for?

Expedia For TD advertises a price guarantee, but you should be aware that it is time-limited. The company will refund the difference on a flight and hotel package within 24 hours of booking, or a hotel rate up to 48 hours prior to check-in.

The best Expedia For TD credit cards in Canada

Td first class travel visa infinite card, td rewards visa card.

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

Expedia For TD is available to you if you hold any TD Rewards credit card, but the TD First Class Travel Visa Infinite Card gets our recommendation for its high earn rate and bonus points potential. The First Class Travel Visa Infinite also includes an excellent suite of travel insurance benefits including medical, trip interruption and automotive, and while it fails to offer airport lounge access, it does entitle you to a discount. However, these perks don’t come cheap. The First Class Travel Visa Infinite has a minimum annual income requirement of $60,000 and carries an annual fee of $139, though new applicants can have the first year fee rebated (along with the $50 fee for an additional cardholder).

While this is a solid travel rewards card , new applicants in particular will benefit greatly from the welcome bonus. TD clients with an All-Inclusive banking account may be able to get the $139 annual fee rebated on an ongoing basis, so it’s worth speaking with a representative before you sign up. Frequent travellers who are comfortable shopping through the ExpediaforTD.com portal will get the highest earn rate on travel spends and, at a return of 4.5% (8 points per $1) when redeemed for travel spends, the savings will be noticeable. The included insurance package can also help you save a bundle.

• Annual fee: $0
• Earn rates: 4 TD Rewards points per $1 spent on travel purchases made through Expedia for TD , 3 points per $1 on groceries and at restaurants, 2 points per $1 on recurring bill payments, and 1 point on all other purchases
• Welcome offer: You can earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no Annual Fee. Conditions Apply. Account must be approved by January 6, 2025.
• Recommended credit score: 660 or higher
• Interest rates: 19.99% on purchases, 22.99% on cash advances and 22.99% on balance transfers

If you’re annual fee-averse, consider the TD Rewards Visa, which will help you bump up your TD Points by offering 4 points per $1 spent at Expedia For TD, 3 points per $1 spent on groceries and restaurants, 2 points per $1 spent on recurring bills, and 1 point per $1 everywhere else. Though not quite as generous in rewards as the other cards in this article, the 4 points: $1 ratio on travel purchases through the online portal results in a return far better than available on most other no-fee cards. This card does not include travel insurance, but it gives cardholders a discount at Avis and Budget car rentals.

Which card is the best option for me?

Every card in the TD Travel Rewards program is worth a look, but the best option will depend on you. If you want to avoid an annual fee you’ll benefit from the TD Rewards Visa, and if you’re willing to pay the $139 annual fee and the minimum income of $60,000 doesn’t disqualify you, the First Class Travel Visa is an effective way to cash in on the program. But the TD Platinum Travel Visa also does a good job with no income requirement and a lower annual fee. Choose the card that makes the most sense for you.

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About Keph Senett

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I am unable to reach Expedia for TD to cancel flights due to the Coronavirus. I have held on for many hours with music playing and with no music. Can you advise how to speak to customer service? I am currently out of the country (Canada) and just don’t know how to go about this if TD for Expedia 18772226492 are taking many hours of my holding on and not answering my call. I am aware there must be many people wanting to Angel their flights. This is my third day of trying to reach them

Cancel their flights

I waited on hold for six hours. When my call was answered, the representative was more than helpful. Hard to wait on hold, but worth the effort in these trying times.

The TD business travel is no longer same as first class They reduced to 3 points per dollar

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The Complete Guide to Expedia for TD

Josh Bandura Mar 7, 2024 / TD Canada Trust / Leave a comment

Travel can be expensive, so looking to other tools, such as miles and points to lower costs, is a great option for many Canadians. While there are many standalone loyalty programs, most banks offer their own loyalty programs to build brand loyalty and provide added value for their customers.

TD Bank has its own loyalty program called TD Rewards which is used with Expedia for TD, their own co-branded travel booking platform. Customers can redeem their TD Rewards through Expedia for TD for travel-related purchases to save on costs for their next vacation.

Let’s take a look at everything you need to know about Expedia for TD and how you can utilize your TD Rewards points to get the most value.

What is Expedia for TD?

Expedia for TD is a third-party online travel agency available exclusively to TD customers who hold an active TD Rewards earning credit card.

Eligible TD customers can make travel bookings on Expedia for TD and redeem their TD Rewards points , the in-house loyalty program currency of TD Bank. Expedia for TD may also offer exclusive travel discounts and deals for members when making bookings.

Not only can TD Rewards points be redeemed on Expedia for TD, but cardholders who make purchases on Expedia for TD with their TD Rewards earning credit card will earn TD Rewards points at an accelerated earning rate. With that in mind, if you were already going to make a reservation with a third-party hotel booking website , consider using Expedia for TD to earn even more points per dollar spent on your travel purchase.

What Redemptions Can I Make with Expedia for TD?

Expedia for TD is similar to other online travel agencies, allowing customers to book and redeem their TD Rewards points toward a number of travel expenses. These expenses include flights, hotels, car rentals, all-inclusive vacations, cruises, train travel, and other travel activities.

When redeeming points toward these travel purchases, customers can use TD Rewards points to cover the entire purchase (if they have enough points) or use a combination of TD Rewards points and cash.

What Credit Cards are Linked to Expedia for TD?

TD offers four credit cards that earn TD Rewards and thus can be used on Expedia for TD: three personal credit cards and one business credit card.

Personal Credit Cards

The TD First Class Travel Visa Infinite card is the best card that earns TD Rewards points but it does have an annual fee of $139. However, this card is the only one that has a minimum income requirement, requiring either an annual personal income of $60,000 or an annual household income of $100,000.

The TD First Class Travel® Visa Infinite* card earns TD Rewards points and gives cardholders the opportunity to earn  8x TD Rewards on purchases at Expedia for TD.

In 2024, we awarded this card as the Best Fixed Value Points Credit Card.

The TD First Class Travel Visa Infinite card earns 8 TD Rewards points for every dollar spent on travel purchases at Expedia for TD, 6 TD Rewards points for every dollar spent on eligible grocery and restaurant purchases, 4 TD Rewards points for every dollar spent on regularly recurring bill payments, and 2 TD Rewards points for every dollar spent on all other purchases.

The TD Platinum Travel Visa card is the second best card that earns TD Rewards points but it does have an annual fee of $89. This card has no minimum income requirement.

The TD Platinum Travel card earns TD Rewards points and gives cardholders the opportunity to earn  5x TD Rewards  on purchases at Expedia For TD.

The TD Platinum Travel Visa card earns 5 TD Rewards points for every dollar spent on travel purchases at Expedia for TD, 3 TD Rewards points for every dollar spent on grocery purchases and recurring bill payments, and 2 TD Rewards points for every dollar spent on all other purchases.

The TD Rewards Visa card is the only no annual fee credit card that earns TD Rewards points. This card has no minimum income requirement.

The TD Rewards Visa* Card earns TD Rewards points and gives cardholders the opportunity to earn 4x TD Rewards  on purchases at Expedia For TD.

The TD Rewards Visa card earns 4 TD Rewards points for every dollar spent on travel purchases at Expedia for TD, 3 TD Rewards points for every dollar spent on groceries and restaurant purchases, 2 TD Rewards points for every dollar spent on recurring bill payments, and 1 TD Rewards point for every dollar spent on all other purchases.

Business Credit Cards

The TD Business Travel Visa card is the only business credit card that has the ability to earn TD Rewards.

The TD Business Travel card earns TD Rewards points and gives cardholders the opportunity to earn  9x TD Rewards on purchases at Expedia for TD.

The TD Business Travel Visa card earns 9 TD Rewards points for every dollar spent on travel purchases at Expedia for TD, 6 TD Rewards points for every dollar spent on purchases in foreign currencies, 6 TD Rewards points for every dollar spent on restaurant purchases and recurring bill payments, and 2 TD Rewards points for every dollar spent on all other purchases.

How to Use Expedia For TD

If you are interested in redeeming TD Rewards points through Expedia for TD, visit the Expedia for TD website and log in. The booking process is very similar to using any third-party online travel agency.

Once logged in, you will be presented with the search bar. You can select the type of travel booking you are interested in making and fill out the applicable details. For this example, I will walk through a hotel booking on Expedia for TD but it is very similar when making a flight booking, rental car reservation, or other travel purchase.

Once you search, you will be presented with several available properties for the specific date. When booking through Expedia for TD, it will show the cash rate in addition to how many TD Rewards points can be redeemed to pay for this stay.

Select the hotel or resort you are interested in staying at and the room type. Notice that it also says I will earn “up to 3,143 TD Rewards points” on this booking. That earning rate only applies if I pay entirely in cash for this booking and use my credit card which earns TD Rewards points.

Once you select your room type, you will arrive on the payment page. On this page, there is a separate box for redeeming TD Rewards points. Users can select how many TD Rewards points they want to apply towards their booking. Redemptions must be made in increments of 200 TD Rewards points, which means whole dollar value increments.

If the entire booking cannot be paid for using TD Rewards points, customers will need to use a credit card to cover the remaining cash cost. Ensure you use your credit card that earns TD Rewards points to maximize the return on your spending.

Is Expedia for TD the Best Redemption for My TD Rewards Points?

Yes, if you hold a TD credit card that earns TD Rewards points , redeeming them with Expedia for TD for travel purchases is the best value you can expect to receive from your earned points. Redemptions through Expedia for TD allow you to cash out your TD Rewards points at 0.5 cents per point, meaning 10,000 TD Rewards points are worth $50 CAD.

If you don’t want to use Expedia for TD, the second best option is to utilize the “Book Any Way Travel” feature. This allows customers to book travel on their TD Rewards earning credit card through any other vendor, such as a hotel booking directly through Marriott Bonvoy or Hilton Honors . Once the eligible charge is posted on the card, customers can redeem TD Rewards points at a rate of 0.4 cents per point, meaning 10,000 TD Rewards points are worth $40 CAD.

TD Rewards points can also be redeemed for gift cards, merchandise, statement credit, or education credit. However, these redemptions are all worth less than booking with Expedia for TD or using “Book Any Way Travel”, so always look to redeem your TD Rewards points for travel purchases, preferably through Expedia for TD, to get the most value.

If you hold a credit card that earns TD Rewards points, understanding the ins and outs of the Expedia for TD program is an important factor in ensuring you get the greatest possible value out of your points.

Frequently Asked Questions

No, Expedia for TD does not have an app. The normal Expedia app cannot be used for Expedia for TD.

If you have any questions about Expedia for TD, you can call their customer support at 1-877-222-6492. You can also contact customer support on the Expedia for TD website for help via email or chat.

Since Expedia for TD is an online travel agency, discount codes offered by an airline cannot be applied to any bookings made on Expedia for TD. Those discount codes are typically only usable when you book directly with the airline on their website.

TD Rewards points are worth 0.5 cents per point when redeemed on Expedia for TD. This means that 10,000 TD Rewards points are worth $50 CAD when redeemed towards an eligible travel purchase on Expedia for TD.

Yes, Expedia for TD will price match travel rewards. However, price matching only applies to hotels and flight-hotel package bookings. If you want to price match, reach out to Expedia for TD customer support.

Before using Expedia for TD, you will need to register for a TD Rewards account here and ensure your TD Rewards credit card is linked and available on the account.

Once you are registered, you can visit the Expedia for TD website and log in using your credentials.

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 TD Platinum Travel Visa* Card review

• Rates & Fees
• Eligibility

6 TD Rewards points for every $1 spent on travel with ExpediaForTd.com

4.5 TD Rewards Points for every $1 spent on groceries and dining out

3 TD Rewards Points for every $1 spent on recurring bill payments

1.5 TD Rewards Points for every $1 spent on everything else

20.99% Purchase APR

22.99% Cash Advance APR

$89 Annual Fee Waived for the first year

2.50% Foreign Transaction Fee

Good Recommended Credit Score

$0 Required Annual Personal Income

$0 Required Annual Household Income

By Tyler Wade & Cory Santos

Updated: May 02, 2024

Play article   

(    mins)

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• TD® Aeroplan® Visa Infinite Privilege*
• TD® Aeroplan® Visa Infinite* Card
• TD First Class Travel® Visa Infinite*
• TD Cash Back Visa Infinite* Card
• TD Rewards Visa* Card
• Best travel credit cards
• American Express® Aeroplan®* Card
• BMO Ascend™ World Elite®* Mastercard®*
• Rogers™ World Elite® Mastercard®

This offer is not available for residents of Quebec.

Quick overview of the TD Platinum Travel Visa*

The TD Platinum Travel Visa* Card is best for TD Bank users who frequently book their travels through Expedia and want to earn rewards on their everyday spending like bills and groceries. 

However, like all credit cards, it comes with its own set of pros and cons. In this comprehensive review, we'll delve into the card's features, benefits, and how it stacks up against other TD offerings and plan programs, helping you decide if it's the right fit for your wallet.

Who is the TD Platinum Travel Visa* Card for?

The TD Platinum Travel Visa* Card is designed for TD Bank users who frequently book their travels through Expedia and want to earn rewards on their everyday spending. It offers a generous welcome bonus, high earn rate on dining, groceries, and Expedia bookings, making it a valuable option for frequent travelers. However, if you're looking for more premium travel perks like airport lounge access, consider other cards in the market, including TD's Aeroplan® Visa Infinite Privilege*

TD Platinum Travel Visa* Card: pros and cons

Generous welcome bonus : Get up to 50,000 TD Rewards Points when you make your first card purchase and spend $1,000 within 90 days of opening your account.

High earn rate : Earn up to six TD Rewards Points for every $1 spent on Expedia® for TD, 4.5 points on dining and groceries, and three points on recurring bill payments.

No travel restrictions : No blackouts, seat restrictions, and your points never expire as long as your account is in good standing.

First year fee waiver : The annual fee is waived for the first year.

Limited travel perks : Unlike some premium cards, it doesn't offer perks like airport lounge access.

Not ideal for non-Expedia users : The highest rewards rate is tied to Expedia bookings.

TD® Platinum Travel Visa credit card welcome bonus

New cardholders with the TD Platinum Travel Visa* Card can earn up to 50,000 TD Rewards Points in their first year of card membership:

• 15,000 TD Rewards Points after your first purchase with the card
• 25,000 TD rewards points after you spent $1,000 within 90 days of opening your account
• First-year annual fee waiver ($89 value)
• Six months of Uber One membership ($60 value)

How to earn TD Rewards points with the RTD® Platinum Travel Visa

The TD Platinum Travel Visa Card offers an impressive earning rate on several keys categories:

• Earn 6 TD Rewards points for every $1 spent when you book travel through Expedia for TD
• Earn 4.5 TD Rewards Points for every $1 spent on groceries and dining out
• Earn 3 TD Rewards Points for every $1 spent on recurring bill payments
• Earn 1.5 TD Rewards points for every $1 spent on everything else

How to redeem points

The average dollar value of one TD Reward point is $0.005. To make this math easier, let’s crank up the points.

The best way to redeem your points is by travelling through Expedia for TD portal, where 200 points equal 1 dollar.

You can also book travel through any provider where the value goes down a little for the first $1,200 in spending—250 TD Rewards points are worth $1. Redeeming merchandise is not as valuable, where, depending on the retailer, you’ll get, at best, half and at worth a tenth of the value out of your points.

You can also apply your points as a statement credit if you’re trying to pay down a balance.

Key Benefits of the TD Rewards Card

• Expedia benefits: If you frequently book through Expedia, this card offers one of the best rewards rates for your bookings.
• Dining and groceries: Earn a high rate of 4.5 points for every dollar spent at restaurants and grocery stores, making your night out on the town or grocery run even more rewarding.
• Travel insurance: The card includes decent travel insurance coverage, ensuring peace of mind during your travels. However, you can upgrade your coverage for an additional fee to unlock emergency medical insurance.

TD Rewards Visa credit card insurance coverage

The Platinum Travel Visa credit card from TD provides an impressive selection of travel insurance and everyday protection benefits for cardholders, including:

• Flight delay insurance of up to $500 if your trip is delayed more than 4 hours.
• Delayed and lost baggage insurance up to $1,000 per insurance person if delayed more than 6 hours.
• Travel accident insurance up to $500,000 (while travelling on a common carrier like a plane, train, or bus).
• Rental car insurance for up to 48 consecutive days up to a maximum MSRP of $65,000.
• Mobile device insurance up to $1,000 in the event of loss, theft, or accidental damage.
• Extended warranty insurance that doubles the manufacturer’s warranty up to an additional 12 months.
• Hotel burglary insurance up to $2,500.
• [Optional] Apply for travel medical insurance in case of medical emergencies abroad.
• [Optional] Apply for Trip cancellation insurance to help recover trip expenses or the cost of a trip home.
• [Optional] Apply for TD Auto Club Membership for roadside emergencies.

Rewards Visa cardholders also receive peace of mind thanks to instant fraud alerts; TD Fraud Alerts continuously monitors your TD account registered mobile phone and automatically alerts you if suspicious activity is suspected.

Extra Benefits of the TD Bank Platinum Travel Visa* credit card

• Additional rental car savings: At Avis and Budget locations, you can save a minimum of 10% off the lowest base rate fares in Canada and 5% in the U.S.
• No restrictions: There are no travel blackouts or seat restrictions, and your TD Rewards Points never expire as long as your account is open and in good standing.
• Earn more stars at Starbucks:  Link the TD Rewards card to your Starbucks account and earn 50% more TD Rewards points and Stars.
• Mobile wallet compatibility: Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
• TD mobile app: The app allows you to manage your account, view transactions, block international purchases, and more. It's available in the Apple App Store and Google Play. 
• Added payment security: Chip and pin technology for an added layer of security.

What people are saying about the Platinum Travel Visa credit card from TD

• "I've had the TD Visa Platinum Travel card for years and have never complained about the rewards, using the rewards or the use of the card... Redeeming for travel, etc, is very easy through TD for Expedia. A high fee has always been credited back due to my bank portfolio level with TD Bank...so I have no complaints at all, I would highly recommend this card and TD Bank! Satisfied card holder!" - Drmoy1
• "It is a great card with great rates, and we never had any real issues with it. The interest rate is also very good, so yes all is good with this card" - Joshua M

How does the TD Platinum Travel Visa* Compare?

Td platinum travel visa* vs. td first class travel ® visa infinite* card.

The TD Platinum Travel Visa* Card and the TD First Class Travel ® Visa Infinite* Card are both tailored for travel enthusiasts, but they cater to slightly different needs. While any card you choose ultimately depends on your individual travel and spending habits, the TD First Class Travel ® Visa Infinite* card shines with better earn rates and insurance (including emergency medical). 

Yes, the TD First Class Travel ® Visa Infinite* charges $50 more in its annual fee, but just like the TD Platinum Travel Visa Card, that fee is waived in the first year. Also, the First Class card gives you an annual TD Travel Credit of $100 with Expedia For TD. 

For frequent travellers, especially those who prefer to book through Expedia, the TD First Class Travel® Visa Infinite* Card offers more value and benefits. 

TD Platinum Travel Visa* Card vs. TD Aeroplan ® Visa Platinum Card

Both cards charge the same annual fee which are both waived in the first year. They both feature the same travel insurance (and sadly both miss emergency medical travel insurance), purchase security, extended warranty and mobile device insurance.

These cards are virtually identical, except for one crucial difference: the points. 

You either earn TD Rewards Points or Aeroplan ® points. With TD, you can book your travel through Expedia or use the “book-any-way” redemption method which reduces your point value, but you can fly anywhere on any airline. With TD’s Aeroplan ® card, you get Aeroplan ® points allowing you to book with Air Canada and its partner airlines. 

Essentially, if you bank with TD and love their rewards program, be sure to take advantage of bundle discounts on their chequing, saving, insurance and mortgage. If you’re not loyal to a bank, and love the Aeroplan ® program, go with the TD Aeroplan ® Visa Platinum. 

Is the TD® Platinum Travel Visa credit card worth it?

The TD Platinum Travel Visa* Card is best suited for those who frequently use Expedia for their travel bookings. With its generous welcome bonus, high earn rate on dining, groceries, and Expedia bookings, it offers significant value. However, if you're looking for more comprehensive travel perks, there might be other cards in the market that better suit your needs. The biggest benefits of this card are its earn rate and flexibility in point redemption. The main drawback is the lack of premium travel perks like airport lounge access.

Eligibility requirements of the Rewards Visa credit card from TD Bank

To qualify for the TD Platinum Travel Visa* Card, you need to meet the following criteria:

• You must be a Canadian resident.
• You must be at least the age of majority in your province or territory.

There is no minimum income requirement for this card. However, it is important to have a credit score in the good to excellent range.

Is the TD Platinum Travel Visa* worth it?

The TD Platinum Travel Visa* Card offers value for frequent Expedia users with its high earn rate on bookings, dining and groceries. Its comprehensive travel insurance and flexible point redemption enhance its appeal. However, its worth depends on individual spending habits and the annual fee's perceived value.

Is the first-year annual fee really waived for the TD Platinum Travel Visa* Card?

Yes, the TD Platinum Travel Visa* Card often offers promotions where the annual fee is waived for the first year, providing immediate savings for new cardholders.

How do I earn the maximum welcome bonus for the TD Platinum Travel Visa* Card?

To earn the maximum welcome bonus, you have to make a purchase within the first 90 days of activating the card, plus spend at least $1,000 in that same time period.

How does the TD Platinum Travel Visa* Card's rewards program benefit frequent Expedia customers?

The card offers a higher earn rate for travel bookings made through ExpediaForTD.com, groceries and recurring bill payments allowing frequent Expedia users to accumulate TD Points faster.

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

Cory Santos is a finance writer, editor and credit card expert with over seven years of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.

Compare other TD credit cards

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Canada’s 5 Best TD Credit Cards

TD is one of Canada’s biggest banks. They’re a major Aeroplan partner, and they also offer other travel and cash back credit cards.

Read on to find out more about our top picks for the best TD credit cards in Canada.

Best TD Credit Cards

Best overall td credit card.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 15 ,000 Aeroplan points † upon spending $7,500 in the first 180 days of account opening †
• Plus, earn an additional 15,000 Aeroplan points † on renewal when you spend $12,000 within 12 months of account opening †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bag on Air Canada ® flights †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139
• Application must be approved by September 3, 2024 to receive this offer

The TD Aeroplan Visa Infinite Card is the bank’s flagship product, and our choice for their best credit card. At the “core” tier of the Aeroplan cards, it offers the most bang for your buck for the vast majority of cardholders.

Most of the card’s ongoing value comes in the form of Aeroplan and Air Canada benefits. You’ll get free checked bags on Air Canada flights, preferred pricing on Aeroplan flight rewards when you fly with Air Canada, and a few ways to get closer to Aeroplan Elite Status by spending with the card.

Additionally, the card provides travel insurance, which covers Aeroplan flight rewards. You’ll want to pay for the flight’s taxes and fees with this card so that you’re protected in the event of a travel snafu.

Best Premium TD Credit Card

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 25,000 Aeroplan points † upon spending $12,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points † upon spending $24,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

If you’re looking for premium traveller perks and Air Canada benefits, the TD Aeroplan Visa Infinite Privilege Card is the way to go. The card earns a base rate of 1.25 Aeroplan points per dollar spent on all purchases.

Aeroplan members can earn Aeroplan 25K Status by racking up 100,000 Aeroplan points (excluding welcome bonuses and transferring points) in a year. If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

You’ll also get an enhanced travel experience, with unlimited access to Maple Leaf Lounges and six free visits per year to DragonPass lounges , priority airport services (including check-in and boarding), and more flexible ways to qualify for higher tiers of Aeroplan Elite Status.

As for savings, you’ll get the best preferred pricing rates for Aeroplan flight rewards on Air Canada flights, as well as the opportunity to spend your way to unlocking a Worldwide Companion Pass.

Best TD Credit Card for Travel Purchases

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  55 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †
• Annual fee: $139, rebated for the first year †

Not all of your travel arrangements can be booked on points. While it’s easy enough to get flights covered with loyalty programs like Aeroplan, there are a much wider range of hotels, vacation packages, experiences, and tour operators where you’ll most likely have to pick up the bill yourself.

The TD First Class Travel Visa Infinite Card is an awesome card for all travel purchases. It earns 4% back in the form of TD Rewards points when you book with Expedia for TD. For a guaranteed rate that doesn’t depend on finding limited sweet spots and award availability to extract its full potential, it simply can’t be beat.

For maximum value, you can use your TD Rewards points to book anything available on the Expedia for TD website. This is a great way to snowball your rewards – as you book travel, you’ll earn even more travel!

Not to mention, cardholders get a $100 annual credit towards a $500+ hotel or vacation booking. As well, you’ll get a birthday bonus, where you’ll get a 10% boost on points you’ve earned (up to a limit) each year.

Best No Fee TD Credit Card

• Earn 15,152 TD Rewards Points when you spend $500 within 90 days of Account opening+ †
• Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Annual fee: $0
• Application must be approved by January 6, 2025 to receive this offer

Among TD’s no-fee cards, the TD Rewards Visa Card has an appealing rewards structure. You’ll earn 2% back (in the form of TD Rewards points) travel bookings, 1.5% back on groceries and restaurants, and 1% back on recurring bills.

Those rates are quite strong when compared to other entry-level credit cards, and indeed higher value than the alternative no-fee TD Cash Back Visa Card .

Most importantly, you can park your TD Rewards points here if you ever decide to cancel or downgrade your TD First Class Travel Visa Infinite Card . That way, your points won’t expire while you await a good travel opportunity.

Best Cash Back TD Credit Card

• Earn 10% cash back † in the first three months, on up to $3,500 spent on eligible groceries, gas, and recurring bills set up on your account †
• Then, earn 3% cash back † on eligible groceries, gas, and recurring bill payments set up on your account †
• Free Deluxe TD Auto Club Membership for roadside assistance †
• Annual fee: $0 for the first year † , then $139

The TD Cash Back Visa Infinite Card is chief among TD’s cash back cards. You’ll earn 3% cash back on groceries, gas, and recurring bill payments.

While not the absolute best card on the market for any one of these categories, it’s the only card with high earn rates on all three. If you don’t want to juggle several credit cards and these categories cover most of your expenses, the TD Cash Back Visa Infinite would serve you well.

Considering its frequent First Year Free promotions and the ability to waive your annual fee every year with a TD All-Inclusive Chequing account, it’s not hard to maintain these rewards year after year at no cost.

Also, the card comes with a Deluxe TD Auto Club Membership. It’s their only credit card with this benefit, and one of the only cards in Canada that offers roadside assistance. For heavy commuters or road-trippers, it’s a valuable perk that could get you out of an unpleasant situation.

Not to mention, the roadside assistance dovetails nicely with the 3% rewards on gas, giving you one credit card for all of your driving needs.

TD Credit Cards: What You Need to Know

When choosing a TD credit card, you should familiarize yourself with what benefits a TD credit card can offer, what features to look out for, and how TD credit cards can fit into an optimized overall credit card strategy.

Why get a TD credit card?

TD credit cards are one of the best ways to earn Aeroplan points . As Aeroplan’s primary bank partner, TD’s co-branded cards often have bigger bonuses with easier spending requirements than their counterparts from CIBC and American Express .

Once you have your flights covered, TD Rewards points are also a great way to cover your other travel expenses. You can use them for anything on Expedia, like hotels and car rentals, or even redeem them for statement credit for pretty much any out-of-province expense, including gas or restaurants.

TD generally values a strong relationship with their members. It can be harder to get approved initially, but longtime clients will find it easier to open additional products, sometimes even receiving pre-approvals.

If you already bank with TD, getting one of their credit cards is a no-brainer. On most cards, you can get your annual fee rebated every year if you have a TD All-Inclusive Chequing account . This is useful if you plan on keeping a Visa Infinite card year after year for its benefits and higher everyday earning rates.

What should you look for in a TD credit card?

TD has three different types of rewards on their credit cards, all on the Visa payment network:

• Aeroplan co-branded cards earn Aeroplan points and come with Air Canada benefits. They’re best for avid Aeroplan collectors who know how to stretch the value of their frequent flyer points, or who’ll benefit from travel insurance on Aeroplan award ticket bookings.
• TD Rewards cards earn points that can be used for travel expenses. You can book flights, hotels, car rentals, or anything else available on Expedia for TD, at a rate of 0.5 cents per point. Otherwise, you can redeem points for statement credit against any other travel purchase at a rate of 0.4 cents per point. TD Rewards cards have decent earning rates on uncategorized transactions and excellent rates on travel.
• Cash Back can be redeemed any time you’ve accumulated at least $25. They’re the easiest rewards to use and understand, but the trade-off is that their value is limited. Compared to their peers, TD’s cash back cards are somewhat competitive for groceries, gas, and recurring payments, and weak for other purchases.

For each type of rewards, TD offers cards with a wide range of welcome bonuses, everyday rewards, annual fees, perks, and income requirements.

Any of these cards come with the standard benefits for their Visa tier:

• All Visa Infinite cards have access to Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country program
• In addition, Visa Infinite Privilege cards come with a DragonPass membership which includes six annual visits to participating airport lounges and restaurants each year

TD regularly puts on First Year Free promotions for new signups for all cards at or below the Visa Infinite tier. It’s generally best to wait for one of these opportunities before applying.

What’s the optimal strategy for TD credit cards?

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, TD’s wide range of credit cards will undoubtedly have a significant presence in your wallet.

In an optimized credit card strategy, you would leverage TD’s Aeroplan credit cards (in conjunction with Aeroplan cards from CIBC and American Express ) to collect a large balance of Aeroplan points, which you’d use towards booking international flights at a high value.

Meanwhile, you’d use the more flexible TD Rewards credit cards to cover your non-flight travel expenses, such as car rentals or non-chain hotels, by booking through the Expedia for TD portal.

TD is also known for granting the welcome bonus upon switching credit cards between the two families, so you could collect points and maximize benefits across both the Aeroplan and TD Rewards card families while preserving the same account (and all of its history) on your credit file.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best TD credit cards in Canada.

Can I have the TD Aeroplan Platinum, Infinite, and Privilege cards at the same time?

Yes, the cards are separate products. You can have any combination at the same time, and you can open them all and be eligible for all welcome bonuses. However, note that TD and Aeroplan may limit the number of credit card bonuses earned by a member if they deem this behaviour to be excessive.

Which credit bureau does TD check?

TD uses Equifax for credit inquiries, although they sometimes have pre-approvals for existing clients.

How do I apply for a TD credit card?

If you’re having technical difficulties getting approved when submitting a credit card application online, consider booking an appointment at a TD branch or applying by phone.

Can I do a product switch with TD?

Yes, you can switch in a branch or by phone. There are no bonuses available for downgrades, and usually the bonuses for upgrades are smaller than what you’d get for a new application.

Generally speaking, a switch between credit cards in different families (Aeroplan, TD Rewards, or Cash Back) will yield the strongest bonuses.

What does this mean? If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

Also, if I product switch my TD visa infinite to privilege, will insurance on my previous travels booked on the infinite card still being covered by the new card?

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• Credit Cards
• TD® Aeroplan® Visa Infinite Privilege* Review

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TD Aeroplan Visa Infinite Privilege Review 2024: A Travel Card With Tons Of Additional Benefits

Updated: Jun 4, 2024, 6:49am

Fact Checked

The TD® Aeroplan® Visa Infinite Privilege* card is a top-of-the-line travel credit card. With some of the highest earning potential among comparable cards, and a bevy of additional benefits, including comprehensive travel insurance, this card can be well worth its staggering annual fee.

That said, people who don’t require the additional travel insurance benefits can likely find comparable cards with much lower annual fees, and higher net earnings. But, as it stands, this card is ideal for frequent flyers seeking extensive additional rewards.

• Extensive travel insurance benefits
• High Aeroplan earn rates
• Earns double the Aeroplan points on eligible Air Canada purchases (including Air Canada Vacations®)
• $599 annual fee
• $150,000 minimum personal income requirement
• $199 additional cardholder fee

Table of Contents

Introduction, quick facts, td aeroplan visa infinite privilege rewards, td aeroplan visa infinite privilege benefits, eligibility, how to apply for the td aeroplan visa infinite privilege card, ways to access your td credit card account, ways to pay with your td aeroplan visa infinite privilege card, how the td aeroplan visa infinite privilege stacks up, methodology, is the td aeroplan visa infinite privilege card right for you, advertiser’s disclosure, featured partner offers.

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (Get an annual fee rebate available in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to $2,700 in value† including up to 75,000 Aeroplan points†

High-end perks while collecting Aeroplan points? Sign up for the TD Aeroplan Visa Infinite Privilege

• Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
• Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
• Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

The TD Aeroplan Visa Infinite Privilege card offers a wide array of benefits out of the many Aeroplan cards on the market. In addition to a generous welcome bonus, the card has commendable earning potential. Every $1 spent earns 1.5 points on common purchases, namely gas, groceries, travel and dining. With groceries being at peak prices due to inflation, you can expect to earn more points in this economic climate.

Though the $599 fee is high, cardholders have access to many travel-enhancing benefits including complete travel insurance (medical, flight cancellation, baggage, etc.) and up to 28 days of auto rental collision coverage. Cardholders that spend $25,000 annually can purchase a companion pass for their travel partner starting at $99. Perks like these make the higher than average annual fee worth the cost.

• Each dollar spent earns 2 points on Air Canada specific purchases, 1.5 points on gas, dining, travel and grocery purchases and 1.25 points on all other purchases.
• Redeem points for vacations, merchandise, gift cards, hotels and activities.
• Earn double the Aeroplan points by purchasing items with your card and presenting your Aeroplan member number to Aeroplan partner brands—or online through the Aeroplan eStore.

Earning rewards

The TD Aeroplan Visa Infinite Privilege card has robust earning potential with Air Canada direct purchases earning 2 points per dollar; gas, dining, groceries and travel purchases earning 1.5 points; and all other purchases earning 1.25 points per dollar. Compared to other Aeroplan cards, users can expect to earn points at a much faster rate as few other cards have staple purchases (for example, groceries ) at a mid-tier earn rate.

Keep in mind that there is a purchasing cap of $100,000 annually across all categories. Once that limit is reached, all purchases will only earn 1.25 points. Still, a solid base rate.

Plus, there are ways to earn even more points even faster by adding up to three additional cardholders without paying an annual fee. They may receive many of the same benefits you will as the primary cardholder, including purchase security and extended warranty protection, visa zero liability, travel medical insurance, trip cancellation/trip interruption insurance, delayed and lost baggage insurance, mobile device insurance, hotel/motel burglary insurance and even a TD Auto Club Membership. You can also earn extra points at a rate of 1.25 per dollar by setting up recurring bill payments.

If you really want to see how many points you can earn in the first year, TD helps you out with a points calculator where you can use a slider to figure out how much you spend annually in the various purchase categories with accelerated earn rates each month on top of the welcome bonus of 20,000 provided you meet all the spending requirements.

In addition to rewards, cardholders will earn 1,000 Status Qualifying Miles (SQM) and one Status Qualifying Segment (SQS) for every $5,000 charged to the card in net purchases made by the primary or additional cardholders, which earns the primary cardholder additional benefits on Air Canada flights when they reach Elite Status.

Redeeming Rewards

Cardholders can redeem their points on the Air Canada or Aeroplan websites. Options for redemption include flights, flight upgrades, hotels , car rentals, vacation packages or merchandise. Users can also donate their points to a charity of their choice.

The Aeroplan program in general offers decent flexibility when it comes to redeeming points, since users can also use a combination of points and cash.

It is worth noting that Aeroplan points do not necessarily have a fixed dollar value when redeeming them for flights. The value of your points for a flight booking depends on multiple factors such as market value, distance and demand. Cardholders looking to make strategic redemption choices will need to pull out a calculator—for better or worse.

Your points can take you many different places. Air Canada will fly you to over 200 destinations and to over 1,300, together with over 30 airline partners. The Aeroplan homepage also has a points predictor tool where you can see exactly what your points will earn you. Plus, if you’re the primary cardholder, it will take fewer Aeroplan points to get to your destination when you book through aircanada.com.

Rewards Potential

With a $599 annual fee—one of the highest on the Aeroplan card market—one would expect high rewards potential. Based on average Canadian spending, Forbes Advisor estimates cardholders earning a total of $377.71 after subtracting the annual fee. Compared to lower-cost cards, such as the TD Aeroplan Visa Platinum card with an approximate return of $360.80, cardholders should not expect this credit card to have the highest net earning potential among competitors. That said, it’s based on average annual spending, so big spenders might find more rewards value overall.

However, though the card may have moderate rewards potential, its extra benefits, such as travel insurance and priority perks, solidify its place as a high-value card to have for Canadian flyers.

Card Benefits

• Earn a $99 (minimum fee) round-trip companion pass by spending $25,000 annually.
• Access to priority check-in, boarding, baggage handling and airport standby for the cardholder and up to eight companions.
• Full suite travel insurance, including medical coverage up to $5 million for the first 31 days of a trip.

Air Canada Travel Benefits

• Annual Worldwide Companion Pass. As the Primary Cardholder,. you get a companion pass automatically on your Card anniversary if you have spent $25,000 on net purchases and you can buy a companion ticket on flights for $99 on an annual round-trip.
• Priority check-in. You and up to eight travelling companions will receive priority check-in for any trip originating on an Air Canada flight.
• Priority boarding. You get on your flight first every time.
• Priority stand-by. If your put on stand-by, you’ll be the first to be called when seats become available.
• Priority baggage handling.  You and up to eight travelling companions will see your bags among the first on the carousel at baggage claim.
• Priority upgrades.  Be the first to be called upon for upgrades.
• Maintain Aeroplan Elite Status more easily. Primary cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year towards the next qualifying status the next year.
• Enjoy eUpgrades longer.  Primary cardholders that will get Aeroplan Elite Status just by virtue of having this card will also be able to roll over up to 50 Air Canada eUpgrades into the next status year. However, to qualify, you must be approved for the card by December 15th of the current calendar year.
• Complimentary upgrade to Avis President’s Club.  Get two car-class upgrades, a dedicated phone line, expedited service and more just because of this included Avis President’s Club upgrade.

Exclusive Benefits

• Complimentary Visa Infinite Concierge.  Available 24/7, wherever you are with your card, the concierge can fulfill nearly any request, including making hard-to-get reservations, booking tickets, reserving car rentals and more.
• Global Airport Lounge Access.  A complimentary membership in the Visa Airport Companion Program by DragonPass, which entitles each cardholder to six free visits to over 1,200 airport lounges worldwide per year.
• Visa Infinite Privilege Airport Benefits. Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport, including priority security lanes at domestic and international terminals, priority airport limo and airport taxi lane and 20% off parking.
• Access to exclusive dining events.  These events are hosted by reputable chefs and come with notable wine pairings.
• Seven exclusive hotel benefits. These include late checkout, free Wi-Fi, room upgrades and more when you book through Visa’s Luxury Hotel Collection.
• Access to special events, screenings, wine tastings and golf courses and lessons.  These are from the Visa Infinite Screening Series, the Visa Infinite Wine Country Program and platinum status with Troon Rewards at golf courses around the world.
•  Visa RSVP Rewards Benefit . Enroll  a nd automatically receive Diamond status delivering benefits at over 60 participating Sandman, Sandman Signature and Sutton Place Hotels across Canada and internationally.

Travel Benefits

• Travel medical insurance.  $5 million coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip. Plus, additional top-up coverage is available if you need it.
• Trip cancellation/interruption. Up to $2,500 per person to a combined maximum of $5,000.
• Flight/Trip delay insurance.  Up to $1,000 in coverage when your flight is delayed up to four hours.
• Delayed and Lost Baggage Insurance . Up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries, when your flight is delayed up to four hours. Up to $2,500 in coverage per person for lost baggage.
• Common Carrier Travel Accident Insurance.  Up to $500,000 in coverage for covered losses on common carriers, such as a plane, bus, train, ferry or vehicle rental.
• Auto Rental Collision/Loss Damage Insurance.  Up to 48 consecutive days of coverage.
• Emergency Travel Assistance Services.  A toll-free contact number for  personal emergency help when travelling.
• NEXUS application fee rebate.  An application fee rebate up to $100 every 48 months for priority and expedited passage across the U.S.-Canada border.
• Hotel/Motel burglary insurance. Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel/motel room that belong to the Cardholder or eligible family members travelling with them.

Partner Benefits

• Avis Rent A Car or Budget Rent A Car. Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
• Rocky Mountaineer. Earn 2 Aeroplan points for every dollar spent on eligible purchases with Rocky Mountaineer.
• Starbucks. Earn 50% more Aeroplan points and 50% more Starbucks Rewards Stars at participating Starbucks stores. Simply link your card to your Starbucks® Rewards account. Conditions apply.

Security Benefits

• Chip & PIN technology. Prevents unauthorized use of the card.
• TD Fraud Alerts. You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your card or the card of any additional cardholder
• Visa Secure.  Extra convivence and security when you shop online.
• Cash Advances. You can ask for an emergency cash advance in an amount up to $5,000 (subject to your credit limit).
• Mobile device insurance. Up to $1,500 of coverage in the event of loss, theft, accidental damage or mechanical breakdown for eligible mobile devices.
• Purchase Protection and Extended Warranty.  Get purchase protection if your purchase is lost, stolen or damaged within 120 days of buying it and if there’s a one-year warranty on the product, it will be doubled up to 24 months.
• Manage your card from the TD app. Lock your card and restrict international purchases from the TD app.

Optional Benefits

• Optional TD Auto Club Membership.  Chose from deluxe, standard and business TD Auto Club memberships, which includes 24/7 emergency roadside and towing assistance. Depending on the level chosen, you may receive meals and accommodations or not and towing distance restrictions or not.
• Optional TD Credit Card Payment Protection Plan. The optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations when you lose your job, become disabled, or die.

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 22.99%
• Balance Transfer fee: 3%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $599
• Any other fees: $199 to add an additional cardholder

To be eligible for the TD Aeroplan Visa Infinite Privilege, you need to fulfill the following requirements.

• You are a Canadian resident and are of the age of majority in your province/territory of residence.
• Have $150,000 annual personal income or $200,000 annual household income.
• Have a valid email address for digital transactions.
• You can be approved for a credit limit of at least $10,000.

If you are looking to apply for the TD Aeroplan Visa Infinite Privilege Card, follow the steps below once you navigate to the TD Bank website.

• Make sure you fulfill all eligibility requirements.
• Click “Apply” on the TD Aeroplan Infinite Privilege landing page.
• Review the terms and conditions and click “I Agree” to continue.
• Enter your full name, date of birth, phone number, email address and residential address.
• Fill out your employment status, annual income and confirm your residential status
• Review your information and submit your application.

There are several ways to access your TD credit account with the following services:

• EasyWeb (TD’s online banking interface)
• EasyLine (TD’s telephone banking interface)

There are several payment options that are built into the TD Aeroplan Visa Infinite Privilege Card that you can take advantage of.

• Set up regularly recurring bill payments on your account. Save time and avoid late fees by ensuring bills will always be paid on time automatically. Plus, earn 1.25 Aeroplan points for every dollar on regularly recurring bill payments on your account.
• Apple Pay. If you have an iPhone, just a tap of your device to make a payment at participating merchants.
• Samsung Pay. If you have a Samsung Galaxy phone, just a tap of your device to make a payment at compatible merchants.
• Google Pay. If you have an Android phone, make everyday purchases by just tapping your device at merchants that have Google Pay advertised.
• Add your Card as the primary card on your favourite apps. From food delivery to transportation apps, earn Aeroplan points on purchases made through those apps on your phone.

TD Aeroplan Visa Infinite Privilege vs. American Express Aeroplan Card

Both of these cards are travel-specific cards and carry similar earning potential: both cards earn two times the points on Air Canada purchases and 1.5 points per dollar for dining. Visa’s card comes ahead in terms of earnings, as its lowest base rate is 1.25 points compared to Amex’s 1 point.

Conversely, the American Express Aeroplan Card® carries a much lower annual fee of $120—while still offering various types of travel insurance. However, the TD Aeroplan Visa Infinite Privilege comes with more robust coverage, making the higher annual fee an investment with solid returns—so long as they are utilized.

TD Aeroplan Visa Infinite Privilege vs. CIBC Aeroplan Visa Infinite Privilege Card

As both of these cards come with identical benefits through the Visa Infinite Privilege program, this comparison comes down to the wire. Both cards carry a high $599 annual fee, but CIBC’s can have $139 of it rebated every year—so long as you open a CIBC Smart Plus Account.

Both cards have identical earning potential across tiers and categories (e.g. both offer 1.5 points for grocery spending), but TD’s Visa card comes with a higher welcome bonus amount. New customers can earn up to 85,000 Aeroplan points† in the first year. CIBC on the other hand, is currently offering up to 80,000 Aeroplan points in the first year.

Taking into account the fact that both have identical earnings but dissimilar welcome offers, rebate options and that TD’s equivalent has less stringent credit rating requirements, we think TD’s offering comes out slightly ahead.

TD Aeroplan Visa Infinite Privilege vs. TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite* card is TD’s travel card for those that don’t meet the stringent income requirements for the Visa Infinite Privilege. It comes with a much lower fee of $139 per year, but has limited earning potential: the top-tier earnings are 1.5 points per dollar compared to 2, and a base rate of 1 points per dollar compared to 1.25. Moreover, the lower-tier card carries less travel benefits coverage (for example, $2 million medical insurance vs. $5 million). Another major difference is the lack of worldwide companion pass for $99 and up—that’s savings TD Aeroplan Visa Infinite cardholders are missing out on.

Setting aside the travel coverage and other benefits, if you’re simply looking for a card with a high net-earning potential without bells and whistles, TD’s Aeroplan Visa Infinite card is a good match.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

TD’s premium Visa travel card comes with substantial travel benefits for frequent flyers, but at a steep price. Its earning potential is high compared to competitors, but the price tag warrants use of the card’s additional benefits (e.g. travel insurance, companion pass) to increase its rate of return relative to costs. Consumers looking to earn Aeroplan points at a similar rate without the extra bells and whistles that accompany a high fee, will find other less-expensive cards more useful.

Related : Find the Best Credit Card for Canadians

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Frequently asked questions (faqs), is the td aeroplan visa infinite privilege card worth it.

For some. If you’re a low spender who doesn’t travel often, I’d probably skip this card. However, it’s a must-have for frequent flyers. To make the best use of the card given its high fees, it’s best to utilize its many travel benefits, such as travel insurance, rental car insurance and the like.

Do you get lounge access with the TD Aeroplan Visa Infinite Privilege?

Yes. Cardholders have free access to Air Canada’s Maple Leaf Lounge. The primary cardholder also receives a complimentary membership to the Visa Airport Companion Program, allowing them to take six complimentary lounge visits—per year—at select airports†

What is the income requirement for the TD Aeroplan Visa Infinite Privilege?

The income requirements are $150,000 annual personal income or $200,000 annual household income, respectively.

*Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

† Terms and Conditions Apply

Brett Surbey is a corporate paralegal and writer based out of Alberta. His work has appeared in Publishers Weekly, Thrive Insider, and various academic journals. He lives with his wife and two children.

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Find and Compare the Best Credit Cards in Canada from TD

Td® aeroplan® visa infinite* card.

Earn up to $1,000 in value AVI-ROC-ARR including up to 40,000 Aeroplan points UIDNQEN2 . Conditions Apply. Account must be approved by September 3, 2024.

Interest: Purchases

Interest: Cash Advances

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TD First Class Travel® Visa Infinite* Card

Earn up to $700 in value FCT-ROC-18 , including up to 75,000 TD Rewards Points UDI-NQ-EN-11  and no Annual Fee for the first year UDI-NQ-EN-11 . Conditions Apply. Account must be approved by September 3, 2024.

TD Cash Back Visa Infinite* Card

Earn up to $500 in value CBI-ROC-ARR , including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 2 . Conditions apply. Account must be approved by January 6, 2025.

More options to serve you

Automatically pay bills.

Set up Pre-Authorized Payment on your TD Credit Card and stay on top of your payments.

Add Additional Cardholders

Share the benefits of your TD Credit Card Account with up to 3 Additional Cardholders.

TD Payment Plans

Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans.

Manage your credit card in the TD app

Set transaction limits, block international purchases or lock your credit card.

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• $189: Annual Fee Rebate for the Primary Cardholder ($139) and first Additional Cardholder ($50) for the first year;
• $210: ("Welcome Bonus Rebate") of 6% Cash Back Dollars on eligible Gas Purchases, Grocery Purchases and Pre-Authorized Payments (" Bonus Eligible Purchases ") charged to your Account.
• $140: ("Limited Time Bonus Rebate") of an additional 4% Cash Back Dollars on Bonus Eligible Purchases charged to your Account. 

Annual interest rates, fees and features are current as of June 4, 2024 unless otherwise indicated and subject to change.

All trade-marks are the property of their respective owners. For trade-mark ownership details, see  www.tdcanadatrust.com/aeroplancards

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc.  Visit Air Canada  for complete terms and conditions of the Aeroplan program.

1 Limited Time Bonus : Account must be approved by January 6, 2025. In the first 3 months of Account opening (the " First 3 Months "), in addition to the Welcome Bonus Rebate of 6% in Cash Back Dollars upon eligible Gas Purchases, Grocery Purchases and Pre-Authorized Payments (" Bonus Eligible Purchases "), you will earn an additional 4% in Cash Back Dollars upon Bonus Eligible Purchases (the " Limited Time Bonus Rebate ") until a total collective spend of $3,500 on Bonus Eligible Purchases have been made (the " Bonus Spend Cap "). For greater certainty: (a) you will earn a cumulative 10% in Cash Back Dollars upon Bonus Eligible Purchases charged to your TD Cash Back Credit Card Account (" Account ") in the First 3 Months until a total collective spend of $3,500 on Bonus Eligible Purchases have been made, and (b) during the First 3 Months, the Limited Time Bonus Rebate and Welcome Bonus Rebate are in place of, and not in addition to, the Gas Earn Rate, Grocery Earn Rate, and PAP Earn Rate that are set out in the TD Cash Back Program Terms And Conditions.  " Pre-Authorized Payments " are recurring bill payments set up on your Account that are classified through the Visa network as "recurring payments".  You must confirm with your merchant if they can accept Pre-Authorized Payments.

Once the Bonus Spend Cap of $3,500 is reached, any further Bonus Eligible Purchases made in the First 3 Months will earn the regular accelerated 3% in Cash Back Dollars that applies to each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments (" Accelerated Rebate ") as set out in the TD Cash Back Program Terms And Conditions (the " Rewards Terms ") All other Purchases will earn 1% in Cash Back Dollars as set out in the Rewards Terms. Any returned items, refunds, rebates or other similar credits on any Purchases or Pre-Authorized Payment made will reduce or cancel the Cash Back Dollars earned on the original Purchase or Pre-Authorized Payment, as applicable.

$15,000 Cap on each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments : After the First 3 Months, the Accelerated Rebate will apply to all Gas Purchases, Grocery Purchases and Pre-Authorized Payments charged to your Account up to a $15,000 maximum net annual spend (" $15,000 Cap ") for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments. After the $15,000 Cap is reached annually in a Gas Purchases, Grocery Purchases or Pre-Authorized Payments category, all additional spend in the corresponding category will earn Cash Back Dollars at the standard rebate of 1% that applies to all other Purchases on the Account as set out in the Rewards Terms.

First Year Reduction of $15,000 Cap : During the first year that the Account is open, the $15,000 Cap for each of Gas Purchases, Grocery Purchases and Pre-Authorized Payments will be reduced by the actual corresponding amount of Gas Purchases, Grocery Purchases and Pre-Authorized Payments made in the First 3 Months. For example, if you spend $2,000 in Gas Purchases in the First 3 Months, the $15,000 Cap for Gas Purchases will be reduced by $2,000 to $13,000 for the remaining 9 months of the first year the Account is open.

Merchant Category Codes : To earn the Welcome Bonus Rebate on Gas Purchases and Grocery Purchases, the Gas Purchase or Grocery Purchase must be made at merchants classified through the Visa network with a Merchant Category Code (" MCC ") that identifies them in the "gas" or "grocery" category. Some merchants may sell gas or gas station services or products, or groceries or grocery items, or have separate merchants located on their premises that also sell gas or gas station services or products, or groceries or grocery items, but may not be classified with a gas or grocery MCC and such Purchases will not earn the Welcome Bonus Rebate. If you have questions about the MCC that applies to a Purchase, contact TD at  1-800-983-8472 .

Other Conditions : Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the first Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by January 7, 2025. Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Welcome Bonus may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available customers who have activated and/or closed a TD Cash Back Visa Infinite Account in the last 12 months. Your Account must be in good standing at the time the Cash Back Dollars are awarded.

†  Offer ends January 6, 2025. The value of up to $500 could be earned in the first year of Account opening and is based on the combined value of:

• $140: ("Limited Time Bonus Rebate") of  an additional 4% Cash Back Dollars on Bonus Eligible Purchases charged to your Account.

2  Account must be approved by September 3, 2024. Welcome Bonus of 20,000 TD Rewards Points (" Welcome Bonus ") will be awarded to the TD First Class Travel ® Visa Infinite* (" Account ") only after the first Purchase is made on the Account. To receive the additional 55,000 TD Rewards Points (" Additional Bonus "), you must make $5,000 in Purchases on your Account, including your first eligible Purchase, within 180 days of Account opening. Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the first Additional Cardholder added to the Account. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder Annual Fee Rebate, you must add your first Additional Cardholder by September 4, 2024. Annual Fee Rebates will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD First Class Travel ®  Visa Infinite* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. Your Account must be in Good Standing at the time the Welcome Bonus points and Additional Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.

- Offer ends September 3, 2024. The value of up to $700 could be earned in the first year of Account opening and is based on the combined value of:

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
• Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
• Additional Bonus of 55,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $275);

Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.

3  Account must be approved by September 3, 2024. Welcome Bonus of 10,000 Aeroplan points (" Welcome Bonus ") will be awarded to the Aeroplan Member account associated with the TD ® Aeroplan ® Visa Infinite* Card Account (“ Account ”) only after the first eligible Purchase is made on the Account. To receive the additional bonus 15,000 Aeroplan points (" Additional Bonus "), you must make $7,500 in net Purchases (including your first purchase, less any returns and credits) on your Account, within 180 days of Account opening. To receive the one-time 15,000 Aeroplan points Anniversary bonus (" Anniversary Bonus ") your Account must have been opened and active for 12 months and you must make $12,000 in net Purchases (including your first purchase, less any returns and credits) on your Account within 365 days of Account opening. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus points, Additional Bonus points and the Anniversary Bonus points. Offers may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in Good Standing at the time the Welcome Bonus points, Additional Bonus points and the Anniversary Bonus points are awarded. Please allow up to 8 weeks after the conditions for each element of the offer are fulfilled for the Welcome Bonus points, Additional Bonus points and the Anniversary Bonus points to be credited to your Aeroplan Member account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.

^ Offer ends September 3, 2024. The value up to $1,000 could be earned in the first year of Account opening and is based on the combined total value of:

• $140: Based on first checked bags for two people, on a round-trip flight in the first year;
• $136: Usage of the Nexus statement credit benefit at an approximate exchange rate of $1.36 USD as of Nov 24, 2023 ($50 USD = $68 CAD for the Primary Cardholder and one Additional Cardholder);
• Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card
• Additional Bonus of 15,000 Aeroplan Points earned when you spend $7,500 within 180 days of Account opening
• Anniversary Bonus of 15,000 Aeroplan Points earned when you spend $12,000 and Account has been opened for 12 months

Value is based on the majority of current Aeroplan cardholders receiving a value of $0.02/points or more when redeeming for a flight as of Nov 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Nov 1, 2023.

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at  https://www.aircanada.com/ca/en/aco/home/aeroplan.html . Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at  https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html . All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

4  You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.

* Trademark of Visa Int., used under license.

See Air Canada and Aeroplan trade-mark ownership details.

All trade-marks are the property of their respective owners. ®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

• $136: Usage of the Nexus statement credit benefit at an approximate exchange rate of $1.36 USD as of Nov 24, 2023 ($50 USD = $68 CAD for each cardholder);

^  Offer ends September 5, 2023. The value up to $1,600 could be earned in the first year of Account opening and is based on the combined total value of:

• $120: Based on first checked bags for two people, on a round-trip flight in the first year;
• $134: Usage of the Nexus statement credit benefit at an approximate exchange rate of $1.34 USD as of February 1, 2023 ($50 USD = $67 CAD for each cardholder);
• Additional Bonus of 40,000 Aeroplan Points earned when you spend $5,000 within 180 days of Account opening
• Anniversary Bonus of 20,000 Aeroplan Points earned when you spend $7,500 and Account has been opened for 12 months

Value is based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Feb 1, 2023.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Domestic Deals

From British Columbia to Newfoundland, find your perfect Canadian hotel on Expedia For TD. Browse thousands of hotels today!

Sign-in using your existing TD online banking credentials.

Stay flexible with free cancellation

Enjoy booking flexibility and filter your search by free cancellation when booking a stay in case your plans change.

Why is it important to have travel flexibility?

At Expedia For TD, we don't want customers to be left without options. It's important to us that customers are able to change their plans. Situations around the world change quickly, and sometimes that means postponing or changing our travel plans. As long as you make sure that you book with the option of free cancellation, you'll be protecting your wallet. To learn more about our policies, visit our Customer service portal .

Cleaning and Safety Practices

Explore a property’s amenities when booking your next stay to see the enhanced cleanliness , social distancing and safety measures & precautions the property is taking to ensure your health & safety.   

Why Book with Expedia For TD

Terms and Conditions: 

1 Hotel offers are only available at participating Expedia For TD Special Rate hotels and may vary by length of stay. Please see specific details for each of the properties listed above by clicking the hotel of interest. Search with your preferred travel dates to view the discounted rates applicable for your stay. The hotel discounts advertised on this promotion page apply to selected properties only and all rates are subject to availability. The discounted property rates can also be accessed via searching on the homepage. Prices are per double-room including all taxes and fees. Offers are subject to availability and may be discontinued without notice. Additional restrictions may apply. Subject to supplier availability.

2 TD First Class Travel Visa Infinite Cardholders earn 8 TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Travel Visa Cardholders earn 6 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Visa Cardholders earn 4 TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Visa Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 TD Points and TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points and TD Rewards Points must be redeemed in minimum increments of 200 or 250-points as fully explained in the Cardholder Agreement and Benefit Coverages Guide for your Card. We can decrease the required minimum point redemption increment at any time.

4 Expedia's Price Guarantee applies to hotel bookings made via the ExpediaForTD.com website or by telephone via Expedia For TD's call centre and are pre-paid to Expedia For TD at the time of booking. To take advantage of Expedia’s Best Price Guarantee, you must submit a claim online at Expedia For TD within the eligibility period of booking. The claim will be reviewed and in the unlikely event that you find a lower price (including all applicable taxes and fees) for the same booking on Expedia For TD or on a Canadian-based website within the eligibility period of booking with ExpediaForTD.com, Expedia will credit or refund to you the difference. For the full Terms and Conditions of Expedia's Price Guarantee, visit https://www.expediafortd.com/price/guarantee/info .

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22 Best Credit Cards in Canada for June 2024

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Choosing the best credit card is part art, part science. From student-friendly starter cards to options boasting premium travel rewards, no single credit card is better than all others in all categories — or for everyone. We’ll help you narrow down the search.

• The best credit cards in Canada
• Summary of the best credit cards overall
• Methodology to choose credit cards
• Other types of best credit cards
• Beginners guide to Canadian credit cards

TD® Aeroplan® Visa Infinite* Card

Intro offer details: Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024. †Terms and conditions apply.

Our Partners: Best Credit Cards in Canada

Best credit cards in canada.

Best overall cash-back card

Scotia momentum® visa infinite* card.

• SPECIAL OFFER: Earn 10% cash back on all purchases for the first 3 months (up to $2,000 in total purchases). No annual fee in the first year, including on supplementary cards. Offer ends October 31, 2024.
• Earn 4% for every $1 you spend on grocery store purchases, recurring bill payments, and subscription purchases.
• Earn 2% for every $1 you spend on gas purchases and daily transit purchases.
• Earn 1% cash back on all other purchases with no cash back limit.
• Redeem cash back as a statement credit in November.
• Visa Infinite benefits, including Visa Infinite* Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and entertainment and lifestyle offers.
• Save up to 25% off base rates at participating AVIS locations and at participating Budget locations in Canada and the U.S.
• Access to Scotia SelectPay™.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or $250,000 minimum assets under management. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

Cash back is the most flexible of all credit card rewards — it’s simple to earn and even easier to redeem. See our selections for the best cash-back credit cards to find the right option for you.

Best overall travel card

Scotiabank platinum american express® card.

• Earn up to $2,100* in value in your first 14 months, including up to 60,000* bonus Scene+ points. Offer ends October 31, 2024.
• You will not pay 2.5% foreign transaction fees on any foreign currency purchases, including online shopping and when travelling abroad. Only the exchange rate applies.
• Earn 2X Scene+™ points for every $1 CAD you spend on all your eligible purchases.
• Scene+ points can be redeemed for travel purchase, merchandise and other non-travel rewards such as gift cards and prepaid cards.
• You must redeem a minimum of 5,000 points per travel-related rewards redemption, equivalent to $50 in travel savings. Points must be redeemed within 12 months of the purchase date.
• $399 annual fee.
• Redeem points for any flight, any time through Scene+ Travel, a full-service travel agency. Plus, take advantage of a best price guarantee on airfare.
• Get a Hertz #1 Club Gold membership for special privileges and rental car benefits at over 8,500 locations in 147 countries.
• Enjoy culinary events and experiences, entertainment, luxury fashion, tours, and more through American Express benefits, including American Express Invites, Platinum VIP offers and access to 24/7 premium concierge services for restaurant reservations, show tickets, and gift purchases.
• Lounge access at over 600 VIP airport lounges around the world with a complimentary Priority Pass membership, which includes 10 free visits per year.
• 12 types of insurance provided, including 31-day travel medical benefits — up to $2 million in coverage — for you, your spouse and any dependent children under the age of 65. 10-day coverage available for those over the age of 65.
• Preferred rates: 9.99% for purchases, 9.99% for cash advances.
• To be eligible, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

A travel rewards credit card brings your next trip a little closer every time you use it. Whether you’re loyal to a specific airline or hotel chain and want a co-branded card, or prefer the flexibility of a general-purpose travel card, check out our choices for the best travel credit cards in Canada .

Best overall secured card

Neo secured credit.

• Build credit history with on-time payments.
• Set your credit limit and get started with as little as $50.
• Guaranteed approval with no credit score needed to apply.
• 0.5% guaranteed monthly minimum cashback.
• No monthly or annual fees.
• Depending on plan (base or premium), customers can earn up to 6% on restaurants and bars, 4% on apps like DoorDash and Disney+, 3% on gas and groceries, and 0.5% on all other purchases.
• Personalized Insights AI generates tailored information and recommendations designed specifically for you.

Whether you want to build your credit or a controlled way to ease into the world of credit card use, secured cards can help. See our selections for the best secured credit cards in Canada .

Best overall points card

Rbc ion+ visa credit card.

• Get 12,000 Avion points upon approval* – that’s $80 of value in gift cards⁺! Apply by November 4, 2024.
• Earn 3X Avion points for every $1 spent¹ on:
• Grocery, Dining & Food Delivery – Satisfy your taste buds by earning points on groceries, dining out, food delivery.ⁱ
• Rides, Gas & EV Charging – Enjoy earning points on gas, rideshare, daily public transit, electric vehicle charging.ⁱⁱ
• Streaming, Digital Gaming & Subscriptions– Stay entertained while earning points on streaming, gaming, eligible digital subscriptions, eligible digital downloads, and in-game purchases.ⁱⁱⁱ
• Earn 1 Avion point for every $1 spent on all other qualifying purchases.¹
• Annual Fee $48² ($4 charged monthly).
• Pay With Points – Redeem your Avion points to pay bills, your credit card balance or even send money to friends with Interac e-Transfer⁴. Minimum redemption is only $10, so you can use your points where you need them most.
• Save at Petro-Canada – Save 3¢/L on fuel and earn 20% more points when you pay with a linked RBC card.⁶
• Earn more Be Well points at Rexall – Earn 50 Be Well points for every $1 spent on eligible purchases at Rexall when you pay with your linked RBC card and scan your Be Well card.⁷
• Save Big on Delivery with DoorDash – Get a 3-month complimentary DashPass subscription – a value of almost $308. Enjoy unlimited deliveries with $0 delivery fees on qualifying orders of $15 or more when you pay with your eligible RBC credit card⁹. See how to save with DoorDash.
• Enjoy a Monthly Fee Rebate – Get a $4 rebate¹⁰ each month ($48/year) on the monthly fee of your credit card when you have an RBC Signature No Limit Banking or RBC Advantage Banking for students account.
• Mobile Device Insurance⁵ Included – Get 2 years of coverage up to $1,000 in the event your mobile device such as your cell phone is lost, stolen, accidentally damaged or experiences mechanical failure when you purchase your mobile device with this credit card.
• Purchase Security and Extended Warranty Insurance⁵ – Automatically protects eligible card purchases against loss, theft or damage within 90 days of purchase, and doubles the manufacturer’s original Canadian warranty by up to one additional year, to a maximum of five years.
• Corresponding legal references and product terms are available on the RBC website, which will be available and agreed upon in the customer onboarding process.

Rewards programs come in all shapes and sizes. Check out our picks for  the best rewards credit cards in Canada  to find the best card for your spending habits.

Best overall rewards card

Simplii financial™ cash back visa card.

• Earn 4% on eligible restaurant, bar and coffee shop purchases up to $5,000 spend per year†.
• Earn 1.5% on eligible gas, groceries, drugstore purchases and pre-authorized payments, up to $15,000 per year†.
• Earn 0.5% on all other credit card purchases with no limit on how much you can earn†.
• For your first 4 months with a Simplii Financial Cash Back Visa* Card, enjoy 10% cash back on eligible restaurants, food delivery and bar purchases. Up to $500 spend †.
• Redeem cash back as a statement credit in December.†
• No annual fee.
• Cash back when you send money abroad with a Simplii Financial Global Money Transfer. No transaction fees and no interest charges.†
• Purchase security and extended protection insurance provided.†
• Interest rates: 20.99% for purchases‡, 22.99% for cash advances‡.
• To be eligible, a $15,000 (individual/household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident (excluding Quebec) that is the age of majority in the province or territory where you live.
• †Terms and conditions apply. Click ‘Apply Now’ for complete details. This offer is not available for residents of Quebec.
• ‡ “Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.

No single rewards card is right for everyone. It’s all about how you spend money and what kind of rewards you value. See our choices for  the best rewards credit cards in Canada  to select the best option for you.

Best overall prepaid card

Neo money™ card.

• Get high interest on your savings and high cashback when you spend with your Neo Money™ card.
• Earn unlimited cashback – Get an average of 5% cashback at over 10,000 partners across the country, in real-time, with no monthly limits on how much cashback you can earn.
• Instant access to your balance with no card loading required.
• Free everyday transactions and no monthly fees.
• Withdraw from any ATM worldwide.
• 4.00% interest on every dollar.
• Enable the Auto-Save feature to set up automatic savings and register your email to instantly deposit Interac e-Transfer® requests in your Neo Money™ account.
• Take the pain out of bill pay by setting up automated payments from your Neo Money™ account.
• Customers can get up to 4% cashback on all purchases at Shell gas stations and convenience locations when they use their Neo Credit, Neo Secured Credit or Neo Money™ card. Earn 2% cashback at the pump or convenience store locations. Earn 4% cashback on transactions made through the Shell App. Offer available in British Columbia, Alberta, Saskatchewan, Manitoba and Ontario. Boost these offers by 50% when you add Everyday Essentials perks to your card.

There are many different reloadable cards on the market, offering different perks and conveniences. See our selections for Canada’s best prepaid credit cards .

Best overall card for balance transfers

Scotiabank value® visa* card.

• 0% introductory interest rate on Balance Transfers for the first 10 months (12.99% after that; annual fee $29).¹ Plus no annual fee in the first year.¹ Offer ends 31 Oct 2024.
• Save up to hundreds of dollars a year on interest.
• Low interest rate of 12.99%.
• Pay down higher interest rate balances faster.
• Transfer higher rate balances and save even more.
• To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident that is the age of majority in the province or territory where you live.

Looking to reduce and contain your credit card debt? Explore our choices for Canada’s best balance transfer credit cards to find promotional offers with impressively-low interest rates.

Best overall business card

American express® business edge™ card.

• Earn up to 67,000 welcome bonus Membership Rewards® points.
• Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership.
• Plus, earn 10x the points for every $1 spent on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks within 6 months of Cardmembership, up to a maximum of 10,000.
• You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year.
• That’s $670 in statement credits that can be reinvested in your business.
• Earn points that you can redeem in a variety of ways.
• Earn 3x the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks when your Welcome Offer ends. Caps and other conditions may apply.
• Earn 1x the points on all other purchases charged to the Card.
• Use points to offset business expenses. Membership Rewards® allows you to offset business expenses by covering the cost of purchases made on your Card, in full or in part. Redeem points for statement credits and to book flights, hotels, and car rentals.
• Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
• Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
• Leverage your cash flow with the option of carrying a balance or paying in full each month.
• Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.
• Access coverage that can protect your business purchases when you charge the full price of eligible items to your American Express Business Edge™ Card.
• Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan.
• Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan.
• 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.

From flat-rate rewards on office expenses to credit cards boasting low-interest rates, see our choices for Canada’s best business credit cards .

Best overall student card

Bmo cashback® mastercard®* for students.

• Welcome offer: Get 5% cash back in your first 3 months.*
• Then get 3% cash back on grocery purchases, 1% cash back on recurring bill payments and 0.5% unlimited cash back on all other purchases!*
• Now earn the highest cash back on groceries in Canada without paying an annual fee!†
• Get cash back every time you spend, plus start building a healthy credit history.
• Want to get your cash back ASAP? Now you can redeem your cash back anytime through direct deposit, as a credit on your statement or into your BMO InvestorLine account.*
• No Annual fee.*
• Extended Warranty.*
• Purchase Protection.*
• Receive a discount on car rentals.*
• *Terms and conditions apply.
• †Statement based on a comparison of the non-promotional grocery rewards earn rate on Canadian cash back credit cards as of January 4, 2023.
• BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Finding a student credit card with the right combination of features for your lifestyle can be daunting, especially if it’s your first time choosing a card. Compare our picks for the best student credit cards in Canada to find the best choice for you.

Best overall no-fee card

Tangerine world mastercard®.

• Apply for a Tangerine World Mastercard® by October 31, 2024 and earn an extra 10% back* (up to $100) when you spend up to $1,000 in everyday purchases within your first 2 months.
• Earn 2% Money-Back Rewards on purchases in two 2% Money-Back Categories of your choice, and 0.50% Money-Back Rewards on all other purchases.
• Have your Money-Back Rewards deposited into a Tangerine Savings Account, and get a 3rd 2% Money-Back Category.
• No limit on the amount of Money-Back Rewards you can earn.
• Change your 2% Money-Back Categories to suit your spending.
• With Mastercard Travel Rewards, you can unlock cashback offers and get a rebate applied directly to your statement, by using your Tangerine World Mastercard at select merchants that accept Mastercard while travelling outside of Canada.
• Save on the things you love with your Tangerine World Mastercard. Enjoy special benefits and offers from a growing lineup of on-demand apps and subscription services made available to you as a Tangerine World Mastercard cardholder.
• Make the most of your travel with Mastercard® Travel Pass Provided by DragonPass. Your complimentary membership gives you exclusive dining, retail and spa offers in over 650 airports worldwide, along with access to over 1,300 airport lounges at $32 USD per visit. Learn more at Mastercard® Travel Pass.
• Rental Car Collision/Loss Damage Insurance**: Damage and theft protection for your car rental when you rent for up to 31 consecutive days and charge the full cost of your rental to your Card.
• Mobile Device Insurance**: Protection on new cell phones, smartphones or tablets when you charge the full cost to your Card, or when you purchase it through a plan and charge all of your wireless bill payments to your Card. Covers up to $1,000 if your mobile device is lost, stolen, accidentally damaged or experiences mechanical failure.
• Preferred rates: 19.95% for purchases and cash advances.
• To be eligible, a $50,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

You don’t need to pay an annual fee for impressive rewards and perks. See our selections for Canada’s best no-fee credit cards .

Best credit cards for everyday spending

Best grocery credit card

Scotiabank gold american express® card.

• Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points. Offer ends July 1, 2024.
• Earn 5X Scene+ points for every $1 CAD spent on eligible grocery stores, restaurants, fast food, and drinking establishments. Includes popular food delivery and food subscriptions.
• Earn 5X Scene+ points for every $1 CAD spent on eligible entertainment purchases. Includes movies, theatre, and ticket agencies.
• Earn 3X Scene+ points for every $1 CAD spent on eligible gas and daily transit. Includes rideshare, buses, taxis, subway, and more.
• Earn 1X Scene+ point for every $1 spent on every other purchase.
• You’ll earn 6X Scene+ points for each $1 CAD charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés Tradition, Rachelle Béry and Co-Op.
• Discounted Priority Pass™ membership, which grants you access to over 1200 VIP lounges around the world.
• Score deals on shopping, dining, travel and more with Amex Offers®, and experience special events and discounts with American Express Invites®.
• Access to Amex Front Of The Line® presale and reserved tickets.
• To be eligible, $12,000 (individual) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best credit card for utilities

Mbna rewards world elite® mastercard®.

• 20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening.
• 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening.
• Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point‡ for every $1 on all other eligible purchases.
• Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of your birthday, to a maximum Birthday Bonus each year of 15,000 Points.
• Redeem points‡ for cash back, brand-name merchandise, gift cards from participating retailers, charitable donations, and travel.
• Standard Annual Interest Rates of 19.99% on purchases, 22.99% on balance transfers✪, and 24.99% on cash advances.
• Mobile Device Insurance*** With Mobile Device Insurance, you’ve got up to $1,000 in coverage for eligible mobile devices in the event of loss, theft, accidental damage or mechanical breakdown.
• $120 annual fee. $50 Additional Card Annual Fee for one authorized user (if you have one).
• To qualify, your personal annual income must be greater than $80,000, or your household annual income must be $150,000 or greater††††.
• ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
• This offer is not available for residents of Quebec.
• Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

Best gas credit card

Cibc dividend® visa infinite card.

• 4% on groceries, gas, and electric vehicle charging, and 2% on transportation, dining and recurring payments. Accelerated rates apply to the first $80,000 spent per year.
• 1% on everything else, and after spending $80,000.
• 0.25% cash back for every $1 spent on a CIBC Global Money Transfer, with no foreign transaction fees.
• Redeem a minimum of $25 cash back at any time through CIBC Online and Mobile Banking.
• $120 annual fee.
• Visa Infinite benefits, including Visa Infinite Concierge, Visa Infinite Luxury Hotel Collection, Visa Infinite Dining Series, and entertainment and lifestyle offers.
• Save up to 10 cents per litre at Chevron, Ultramar and Pioneer gas stations when you link your card with Journie Rewards.
• Access to CIBC Pace It.
• Five types of insurance provided, including 10-day out-of-province/out-of-country emergency medical benefits — up to $5 million in coverage.
• Preferred rates: 20.99% for purchases, 22.99% for cash advances.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best restaurant credit card

American express cobalt® card.

• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets.
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3x the points on eligible streaming subscriptions in Canada.
• Earn 2X the points on eligible ride shares, transit & gas in Canada.
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online.
• Earn 1X point for every $1 in Card purchases everywhere else.
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs.
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events.
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences.
• *Effective August 15, 2023, Cobalt Cardmembers will earn 5x the points on all eligible eats & drinks charged to their Card up to $2,500 monthly, for the same total of $30,000 annually already in place today. Cardmembers will also continue to earn 3x on streaming subscriptions, 2x on eligible transit, gas & travel purchases and 1x on everything else. T&Cs apply. While the annual earn does not change, the new monthly construct intends to curb gaming activity. The change should have little to no impact on the majority of Cardmembers who utilize the Card and Membership Rewards program as it was intended.
• 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. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best credit cards for travel

Best credit card for airport lounge access

The platinum card® from american express.

• Unlock special experiences with the Platinum Card®.
• Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away.
• New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership.
• Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases.
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service.
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants.
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands.
• Take full advantage of The American Express Global Lounge Collection™ which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program.
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Platinum Cardmembers can enjoy access to special events and unique opportunities.
• Enjoy premium benefits at the Toronto Pearson Airport.
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis.
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement.

Best credit card for travel insurance

American express® gold rewards card.

• Earn up to 60,000 Membership Rewards® points:
• New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card.
• This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more.
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else.
• The Card is now available in your choice of Gold or Rose Gold metal options.
• Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card.
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online.
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply.
• Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used.
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit.
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster.
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
• American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

Best hotel card

Marriott bonvoy® american express®* card.

• New Marriott Bonvoy® American Express®* Cardmembers earn 50,000 Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®.
• Earn 2 points for every $1 in all other Card purchases.
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary.
• No annual fee on Additional Cards.
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels.
• Automatic Marriott Bonvoy Silver Elite status membership.
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program.
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• 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. If you apply and get approved for an American Express Card, NerdWallet may receive compensation from American Express, which can be in the form of monetary payment.

Best no foreign transaction fee card

Scotiabank passport™ visa infinite* card.

• Earn up to $1,100+ in value in the first 12 months, including up to 35,000 bonus Scene+ points and first year annual fee waived on your first supplementary card. Offer Ends January 3, 2024.
• The only major bank credit card offering you no foreign transaction fees, including for shopping online or abroad.
• Your Award Winning Card For Travel.
• Earn 2 Scene+ points on every $1 you spend on eligible grocery stores, dining, entertainment purchases, and daily transit purchases (including buses, subways, taxis and more).
• Earn 1 Scene+ point on every $1 you spend on all other eligible purchases.
• You’ll earn 3X Scene+ points for each dollar charged to your account on all eligible purchases¹ at Sobeys, IGA, Safeway, Foodland, FreshCo, Voilà by Sobeys, Voilà by IGA, Voilà by Safeway, Chalo! FreshCo, Thrifty Foods, IGA West, Les Marchés TradItIon, Rachelle Béry and Co-Op.
• Airport lounge access through complimentary Visa Airport Companion Program membership, plus six complimentary lounge visits per year from the date of enrollment, providing you with access to 1,200+ airport lounges globally, including participating Plaza Premium Lounges.
• Visa Infinite* benefits including Visa Infinite Concierge, Visa Infinite* Luxury Hotel Collection, Visa Infinite* Dining Series, and Entertainment & Lifestyle Offers.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required, or a minimum assets under management of $250,000. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

Best starter and newcomer credit cards

Best basic credit card for beginners

American express® green card.

• Get the Card that lets you live in the moment while getting ready for the future.
• The American Express® Green Card lets you go for it with every swipe or tap of your Card.
• As a new American Express® Green Cardmember, you can earn a Welcome Bonus of 10,000 Membership Rewards® points when you charge $1,000 in purchases to your Card in the first 3 months of Cardmembership. That’s $100 towards groceries or concert tickets.
• Earn 1x the points on Card purchases.
• Charge an eligible purchase to your Card and redeem your Membership Rewards points for a statement credit (All eligible purchases: 1,000 points = $10 statement credit).
• With American Express Experiences and Front Of The Line®, American Express Cardmembers get access to amazing events in Canada.

Best credit card for newcomers to Canada

Scotiabank® scene+™ visa* card.

• Earn up to 7,500 bonus Scene+ points within your first 3 months¹
• No annual fee in the first year, including on supplementary cards¹
• Earn 2x Scene+ points¹ on every $1 you spend at Sobeys, Safeway, IGA, Foodland, participating Co-ops, Freshco and more
• Earn 2x Scene+ points¹ for every $1 you spend on Home Hardware, Home Building Center, Home Furniture locations in Canada and online at homehardware.ca
• Earn 2x Scene+ points¹ for every $1 you spend at Cineplex theatres or online at cineplex.com
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• Rates, fees and other information are effective as of Mar 1, 2024. Subject to change.
• Terms and Conditions Apply. Click ‘Apply Now’ for complete details.

If this card doesn’t seem like a good fit for your wallet, take a look at NerdWallet’s selection of the best newcomer credit cards to help find the right option for you.

Best low interest credit card

Best credit card for bad credit

Home trust secured visa card.

• $59 annual fee.
• No fee option available with a higher interest rate.
• $500 minimum security fund deposit required.
• $10,000 maximum security fund deposit.
• Hard credit checks are made on Home Trust Secured Visa applications.
• Credit activity, including every payment, is reported to TransUnion and Equifax, the two major consumer credit bureaus in Canada.
• Ability to upgrade to an unsecured credit card.
• Manage your account and billing with online banking.
• Cardholders can choose between a card with no annual fee and 19.99% interest or an annual fee of $59 and 14.90% interest.
• Protection against fraud through Visa’s Zero Liability Policy.
• Preferred rates: 14.90% for purchases, 19.80% for cash advances.
• To be eligible, you must have a source of income and cannot currently be in bankruptcy. You must be able to provide security funds and be a Canadian resident of the age of majority in the province or territory where you live. The Home Trust Secured Visa Card is not available to Québec residents.

Best payment network credit cards

Best american express credit card.

American Express knows how to reward cardholders with perks and exclusive experiences. See our selections for the best Amex cards in Canada .

Best Mastercard credit card

Bmo cashback® world elite®* mastercard®*.

• Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first year.*
• Earn more cash back on the categories that mean the most: 5% on groceries.* 4% on transit including ride sharing, taxis and public transportation.* 3% on gas and electric vehicle charging.* 2% on recurring bill payments like your monthly phone bill or favourite streaming service.* 1% unlimited cashback on all other purchases.*
• Get the highest cash back earn rate on groceries in Canada.†
• Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
• Extended Warranty Plus.*
• Purchase Protection Plus.*
• Complimentary membership in Mastercard Airport Experiences provided by LoungeKey.*
• Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges.*
• Complimentary Roadside Assistance Program.*
• BMO CashBack World Elite Travel and Medical Protection.*
• BMO Concierge Service.*
• Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada.

Best Visa credit card

As the world’s most widely-accepted credit card network, Visa cards are a smart addition to any wallet. See our selections for the best Visa credit cards in Canada .

Summary: Best Credit Cards Overall

Methodology to choose the best credit cards in canada.

NerdWallet Canada selects the best credit cards based on overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points. Charge cards are not included on this list.

Different types of best credit cards

Looking for certain types of credit cards? Check out more of our picks for different categories of best credit cards:

• Best Travel Credit Cards
• Best Cash Back Cards
• Best Rewards Cards
• Best Business Cards
• Best Student Credit Cards
• Best No-Fee Credit Cards
• Best Secured Cards
• Best Cards for Bad Credit
• Best Prepaid Credit Cards
• Best Balancer Transfer
• Best Aeroplan Cards
• Best Metal Credit Cards

Beginner’s guide to credit cards in Canada

A credit card is part of daily life for many Canadians. Using your card to pay for purchases can be more convenient than using cash. Plus, with the best credit cards, you can manage your expenses and earn rewards at the same time.

How credit cards work

Think of credit cards as a short-term loan from your credit card provider. You make purchases with your card and pay for them later.

One thing that makes credit cards appealing is that there’s an interest-free period. As long as you pay for all charged purchases in full by your statement due date, you won’t have to pay interest in exchange for borrowing the issuer’s money for a few weeks.

A typical credit card transaction would look something like this:

• You charge a purchase to your card When making purchases, choose credit as your form of payment. You’ll then tap, insert or swipe your card to initiate the payment. You may also be required to enter your pin number. If you’re making payments online, you’ll need to enter all your card information manually.
• Wait for your purchase to be authorized The payment terminal will contact your credit card company to confirm the purchase amount.
• The merchant gets paid Once approved, your credit card provider sends the merchant the funds. The merchant does pay a small fee to your credit card provider for this service.
• You get your bill and pay Once your bill arrives, it’ll list your transactions, minimum payment requirement and due date. If you only make the minimum payment , you may see some interest charges on your next bill. To avoid this extra cost, pay your bill in full by that date so no interest is charged.

Ideally, you’d be able to pay your bill in full each month, so these interest charges would not apply. If you’re worried about your ability to do so, seek out a low-interest card to reduce your financial risk.

How credit card interest works

Credit card companies charge interest on unpaid balances. You don’t owe any interest when you pay your card’s balance in full. But what happens if you don’t pay off your credit card balance? Let’s take a look.

Say your card has a 19% interest rate — which is pretty standard. You pay $100 to buy a pair of concert tickets for yourself and a friend. But how much interest will those tickets accrue if you don’t pay your credit card balance and your card’s grace period has passed?

Here’s how to calculate credit card interest :

• 19% / 365 = 0.00052
• 0.00052 x $100 = $0.05
• $0.05 x 30 = $1.50

» MORE: Don’t want to crunch the numbers by hand? Figure out how much interest you’d owe with our credit card interest calculator .

How credit card rewards work

With certain credit cards, you can earn rewards when you make a purchase. The type of rewards you earn and your earn rate differ by card, however.

Types of rewards you can earn

The types of rewards you can earn can generally be broken down into four categories:

• Cash back. For every purchase you make, get a set percentage back in cash. The pay-out date for your cash back earned differs depending on the card. It can be monthly, annually or when you reach a minimum threshold.
• Travel benefits. Credit card travel rewards programs let you earn points or miles when you make purchases. You can use your rewards to offset the cost of flights, hotels, car rentals, vacation packages and more.
• General rewards. Most rewards programs offer the option to redeem the points you’ve earned for general merchandise, gift cards, experiences, entertainment, financial rewards, and more.
• Store perks. Many merchants have a co-branded credit card. The points you earn can be used in-store or online at any participating stores. Groceries and merchandise are typical redemption options for store rewards cards.

The earn rate is a critical factor when it comes to getting rewards. Every rewards card has a base earn rate, but some cards also have higher earn rates on certain highly lucrative purchases. Knowing the difference between the two can help you maximize your rewards .

• Base earn rate. You’ll get this for any purchase that doesn’t fall into an increased earn rate category, or after you’ve hit any applicable limits in those categories. For example, you might get 1% cash back or 1 point per dollar spent.
• Accelerated earn rate. Getting extra points on bonus categories that line up with your regular spending is a great way to rack up rewards even faster. For example, some of Canada’s best cash-back credit cards may give you 4% back on groceries or 2% on gas.

The rewards process

Earning rewards can look different depending on the card and issuer, but generally speaking, the process works like this:

• Make a purchase with your credit card. The purchase must be considered eligible by the issuer to earn rewards.
• Your rewards are calculated. Depending on the merchant category and your earn rate, your credit card provider calculates how many rewards you’ve earned. They’ll also factor in any promotions where you’ll earn additional rewards.
• Rewards are deposited into your account. Cash-back rewards may be immediately visible in your account, but you may not be able to cash them out until a certain date or when you hit a certain threshold. If you’re earning travel or store rewards, you’ll either see your points immediately or at the end of the month when your statement posts.
• Redeem your rewards. In most cases, redeeming your rewards requires you to log in to your account. Redeeming cash back may only take a few clicks, but if you’re looking to redeem travel rewards, you may need to go through a travel portal or book the travel first.

Tracking your rewards

In most cases, logging in to your account will allow you to see how many rewards you’ve earned. Most credit card providers show how many points you’ve earned for each transaction as well as a running total, so you’ll know exactly where you stand. Additionally, credit card statements often have a more detailed breakdown of any extra rewards that you may have earned.

Your rewards typically show up when the transaction posts. Bonus rewards earned from special promotions should show up on your monthly statement. It’s also worth mentioning that any special rewards you get, such as a companion voucher, may take longer to appear in your account.

As for your welcome bonus, you usually need to track that on your own. For example, let’s say you need to spend $3,000 in the first three months of card membership to get your intro offer. Although you’ll usually get your bonus immediately after passing the minimum spend requirement, it’s up to you to check if points land after you’ve spent enough.

How to choose the right credit card

With so many credit cards available, narrowing down your choices can be a challenge. When choosing a credit card, there are numerous factors to consider — chief among them: card requirements.

Different cards carry different credit score and income requirements. To ensure you meet the eligibility criteria, learn how to check your credit score. And be mindful of personal or household income requirements, too — you’ll often encounter these criteria with high-tier luxury cards.

Credit card features to compare

Consider the following when deciding which credit card is right for you:

• Annual fee. Decide if you want to pay an annual fee or not . Cards that have an annual fee typically come with better benefits.
• Rewards. The type of rewards you want to earn will quickly help you narrow down your choices.
• Earn rate. Try to choose a card with increased earn rates in the categories where you naturally spend more.
• Welcome bonus. If you’re comparing similar cards, choose the one with a better sign-up offer.
• Additional perks. See if there are any additional benefits you want, such as no foreign transaction fees, travel insurance , extended warranty, etc.

What credit score is needed for a credit card?

Canadian credit card issuers rarely disclose required credit scores , which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.

Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

What is the best credit score in Canada?

Credit scores in Canada range from 300 to 900. Generally, Canadian credit scores can be organized into the following categories:

• Poor: 300 – 579.
• Fair: 580 – 659.
• Good: 660 – 739.
• Very Good: 740 – 799.
• Excellent: 800+.

How to apply for a credit card

When you apply for a credit card , there’s no guarantee you’ll be approved. The credit card provider needs to assess your financial profile to determine if you’re creditworthy. The application process will typically look something like this:

• Fill out an application. This can be done online or at your financial institution. The application will ask for some basic information, such as your name, date of birth, address, social insurance number, employer and income.
• Your information is checked. The credit card issuer will check your credit history and verify the information that you provided.
• A decision is made. If you apply online, instant approval (or disapproval) is possible, but there’s also a chance the credit card issuer will ask you to contact them to provide additional information.
• Your card is mailed out. Your credit card will immediately be mailed out and will typically arrive within 14 business days.
• Activate your card. Once your card arrives, you’ll need to activate it by logging into your account or calling the number on your card. Once activated, you can use your card to make purchases.

How many credit cards should I have?

The number of credit cards that’s right for you will depend on your spending habits, credit score and personal preferences.

There are benefits and drawbacks to carrying two or more credit cards. A few things to keep in mind:

• Applying for a new Canadian credit card requires a hard credit check , which will likely drop your credit score by a few points.
• Holding more than one credit card may improve your credit score if you use your cards responsibly.
• Carrying more than one card means you’ll have access to multiple credit sources, which could lead to an increased risk of debt.

Types of credit cards in Canada

A wide variety of credit cards are available in Canada, and each can be used as a tool to achieve various financial goals. People who always pay their bills on time may want a rewards credit card, whereas someone looking to rebuild their credit may prefer a secured credit card. Since your personal situation could change at any time, it’s a good idea to understand how the different types of credit cards work.

Rewards credit cards: Best for earning points and cash-back rewards

Rewards credit cards can be broken down into the following categories:

• Cash back. You’ll get cash back on every purchase you make. See our picks for the best cash back credit cards in Canada .
• General rewards. The points you earn can be used for gift cards, merchandise, experiences and sometimes travel. See our picks for the best general rewards credit cards in Canada .
• General travel. The points you earn can be used for any type of travel redemption. See our picks for the best travel credit cards in Canada .
• Airline rewards. Co-branded airline rewards can be used on a specific airline and its partners.
• Hotel rewards. Points earned through hotel credit cards can be used at any participating property.
• Store rewards. Use the points you’ve earned for groceries, merchandise and more.

No-fee credit cards: Best for rewards on a budget

No-fee credit cards come with no annual fee. They can be any type of credit card, but often feature rewards or a low interest rate. Some no-fee cards are geared towards students and have easier requirements.

Balance transfer credit cards: Best for paying down credit card debt

Balance transfer credit cards typically come with a low introductory interest rate. Because of this, you can use them to move your balance from a credit card with a high rate to one with a lower rate, allowing you to pay down debt faster.

Low-interest credit cards: Best for cardholders who typically carry a balance

Low-interest credit cards often have an interest rate of between 9% – 13%. This is significantly lower than standard interest rates, so low-interest credit cards can be helpful for people who may carry a balance.

Student credit cards: Best for anyone seeking accessible credit

Student credit cards typically have more relaxed qualification requirements and often charge no annual fee. They’re a good choice for students who may be looking to build their credit or establish good spending habits.

Secured credit cards: Best for building credit

If you’re unable to qualify for an unsecured credit card, you might be able to get one of the best secured credit cards . These cards require you to deposit security funds that act as your credit card limit. As you make your payments regularly, using a secured credit card can build your credit score .

Black credit cards: Best for luxurious perks

Despite the name, what unites black credit cards isn’t colour; it’s exclusivity. Black cards are deluxe credit cards — the crème de la crème — typically available by invitation only to high earners and splashy spenders. The eligibility criteria for a black credit card differs by card provider, but typically, applicants need an excellent credit score and a personal income of at least six figures annually.

Aeroplan credit cards: Best for Air Canada patrons

Millions of Canadians are members of Aeroplan, the loyalty program associated with Air Canada. There are several ways to become an Aeroplan member, but the easiest is carrying an Aeroplan personal or business credit card. The best Aeroplan credit cards make it easy to earn points that can be used for special perks and benefits. Armed with one of these travel cards, your trip may be more enjoyable and affordable than ever.

Air Miles credit cards: Best for travellers seeking flexible redemption options

The Air Miles program launched in 1992 and remains one of Canada’s most popular rewards programs. Air Miles collectors can redeem Dream and Cash Miles for various items, including airfare, cash rewards, merchandise and more. The best Air Miles credit cards earn rewards on every eligible dollar spent and come with attractive perks, like airport lounge access and robust travel insurance.    

Business credit cards: Best for business owners

Business credit cards typically offer accelerated rewards rates on business spending. Merchants may also appreciate common business credit card perks, like higher credit limits and supplementary cards for employee use.

Prepaid credit cards: Best for anyone with a low credit score or no credit history

Prepaid credit cards are like debit cards: cardholders can only spend up to the amount they’ve deposited to the card. Prepaid cards don’t charge interest because cardholders don’t borrow money — they spend their own funds. Prepaid credit card activity isn’t reported to Canadian credit bureaus, so using one won’t impact your credit score.

Types of credit card interest rates

Credit cards typically have more than one interest rate. Take a closer look at your card’s terms and conditions, and you may notice as many as four different credit card interest rates:

• Purchase interest rate. The purchase interest rate is the rate you pay on overdue balances from everyday spending. In Canada, most cards have a purchase interest rate of about 20%.  
• Cash-advance interest rate. You’ll pay your credit card’s cash advance interest rate on any money you withdraw from an ATM — also called a cash advance . Cash advance interest rates also apply to lottery ticket purchases, gambling site transactions and wire transfers.
• Balance-transfer interest rate. Balances transferred from one credit card to another are subject to balance transfer interest rates.
• Penalty interest rate. Missing multiple credit card payments may result in a penalty interest rate that’s much higher than the purchase rate. For a set period, you’ll pay a penalty interest rate instead of your card’s purchase interest rate on everyday transactions.

Pros and cons of credit cards

Credit cards are a convenient payment option, but there are some drawbacks to consider.  

• Convenient and secure payment method.
• May earn rewards.
• May offer insurance coverage.
• Builds credit when used responsibly.
• A more expensive form of borrowing than a personal loan or line of credit.
• May lead to debt. 
• Harms credit when used irresponsibly.

Tips for maximizing your credit card rewards

Get the most out of your credit card rewards with the following tips:

• Know how to earn points. Not all purchases may be treated equally — at least not in the eyes of your card issuer. Some purchases may earn you more points than others, so familiarize yourself with your card’s rewards program.
• Explore redemption options. Card rewards range from travel perks to cold hard cash. If you’re card shopping, take a look at the reward options before signing up.
• Capitalize on limited-time promotions. Keep an ear out for time-sensitive promotional periods when your points may be worth more.
• Watch out for expiration dates. Some points expire after a prolonged period of card inactivity, so keep your card in good standing to maintain your point balance.

What credit cards are the most accepted in Canada?

Mastercard and Visa credit cards are the most accepted cards in Canada, although one major retailer doesn’t take Visa: Costco.

If you carry an American Express card, you may want a backup form of payment — it may be less frequently accepted in Canada.

What’s better, a Mastercard or Visa?

It’s hard to declare a winner between Mastercard and Visa because these payment giants are credit card networks — not credit card issuers. Mastercard and Visa are among the most popular and well-established credit card processing networks in the world and share a lot in common. They’re both widely accepted and process billions of transaction dollars annually.

Mastercard and Visa predominantly work behind the scenes. They partner with card issuers, like banks and credit unions, to offer cards to the public. Eligibility requirements, rewards, and signup bonuses are all determined by card issuers.

Credit card companies in Canada

Here are some widely known credit card issuers in Canada, along with their networks and notable cards. Credit card issuers are companies that lend money and provide credit cards. These issuers belong to credit card networks , which maintain the infrastructure that makes credit card transactions possible.

Can Americans get a Canadian credit card?

Yes. Several Canadian banks offer non-resident and newcomer credit cards, including RBC, Scotiabank, TD, and more. These card programs are designed for newcomers and temporary residents and typically don’t require a credit check.

US citizens can also explore secured or prepaid credit card options. These Canadian credit cards require cash deposits before they can be used and can be a practical option for those paying a visit to the Great White North.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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