Cash Back
Home / Canadian Credit Cards
Travel more with Aeroplan Points
Enjoy free first checked bags on Air Canada® for you and up to 8 companions. Conditions apply7.
Your gateway to exclusive perks
Enjoy a $100 annual TD Travel Credit on eligible travel purchases. Conditions apply8.
Maximize cash back on eligible expenses
Earn 3% cash back on eligible groceries, gas, and recurring bill payments. Conditions apply9.
-
TD® Aeroplan® Visa Infinite* Card
-
TD First Class Travel® Visa Infinite* Card
-
TD Cash Back Visa Infinite* Card
TD Credit Cards that suit you
Answer a few simple questions and we will suggest the ideal TD credit card for you.
We are making changes to our TD Credit Cards.
Learn more.
Canadian Credit Cards
TD credit cards offer a host of benefits and features to suit your needs.
TD credit cards offer a host of benefits and features to suit your needs.
Types of Credit Cards
Find and Compare the Best Credit Cards in Canada from TD
Special Offer
Recently Viewed
Up to $1,450 in valueAVI-QC-ARR including up to 45,000 Aeroplan pointsUDIQEN2 could be yours. Plus, enjoy no annual fee for the first yearUDIQEN2. Conditions Apply.
$139
Annual Feeaf121.99%
Interest: Purchases
21.99%
Interest: Cash Advances
Special Offer
Recently Viewed
Special Offer
Recently Viewed
Earn up to $600 in valueCBI-QC-ARR, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500111,6. Conditions apply.
$139
Annual Feeaf121.99%
Interest: Purchases
21.99%
Interest: Cash Advances
More features included with all our credit cards
Sorry, we didn't find any results. You could check for misspelled words or try a different term or question.
We're sorry. Service is currently unavailable.
We found a few responses for you:
We matched that to:
Popular questions
Helpful related questions
Did you find what you were looking for?
Thank you
We're sorry. Service is currently unavailable.
Sorry this didn't help. Would you leave us a comment about your search?
Thank you
Compare cards
Compare cards
See you in a bit
You are now leaving our website and entering a third-party website over which we have no control.
TD Bank Group is not responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.
Third-party sites may have different Privacy and Security policies than TD Bank Group. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.
Site Index
TD Personal Banking
- Personal Home
- My Accounts
- How To
- Today's Rates
- Accounts (Personal)
- Chequing Accounts
- Savings Accounts
- Youth Account
- Student Account
- Credit Cards
- Aeroplan points
- Travel Rewards
- Cash Back
- No Annual Fee
- Low Rate
- U.S. Dollar
- Mortgages
- Borrowing
- Personal Investing
- GIC & Term Deposits
- Mutual Funds
- TFSA - Tax-Free Savings Account
- RSP - Retirement Savings Plan
- RIF - Retirement Income Options
- RESP - Education Savings Plan
- RDSP - Disability Savings Plan
- Precious Metals
- Insurance
- Travel Medical Insurance
- All Products
- Students
- New To Canada
- Banking Advice for Seniors (60+)
- Cross Border Banking
- Foreign Exchange Services
- Ways to Pay
- Ways to Bank
- Green Banking
- TD Advice
TD Small Business Banking
- Small Business Home
- Accounts (Business)
- Chequing Account
- Savings Account
- U.S. Dollar Account
- AgriInvest Account
- Cheque Services
- Credit
- Overdraft Protection
- Line of Credit
- Business Credit Cards
- Loan
- Business Mortgage
- Canada Small Business Financial Loan
- Agriculture Credit Solutions
- TD Auto Finance Small Business Vehicle Lending
- Invest for your Business
- Advice for your Profession or Industry
- TD Merchant Solutions
- Foreign Currency Services
- Employer Services
TD Corporate
Other TD Businesses
Annual interest rates, fees and features are current as of September 4, 2025, 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 Welcome Bonus: Effective as of April 30, 2025, Account must be approved, open and in Good Standing while this offer is in effect.
Welcome Bonus of 10% in Cash Back Dollars applies to new TD Cash Back Visa Infinite Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $3,500 ("Welcome Bonus Cap") on any one or more of the following transactions charged to the Account at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments").
If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
In the first 3 months of Account opening, the Welcome Bonus of 10% in Cash Back Dollars listed above is in place of, and not in addition to, the earn rates listed within the TD Cash Back Program Terms and Conditions.
During the first year that the Account is open, the $15,000 Cap for each of (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases will be reduced by the actual corresponding amount of purchases in one of these categories (i) through (iv) made in the First 3 Months.
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 while this offer is in effect. 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. The Special Offer Bonus and 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Cash Back Dollars are awarded.
† Offer Effective as of April 30, 2025. The value of up to $600 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 Cardholder ($139) and first Additional Cardholder ($50) for the first year;
- $350: Earn a cumulative 10% in Cash Back Dollars on eligible Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases in the first three months of account opening until $3,500 in such Purchases have been made.
- $89: 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership
2 Effective as of September 4, 2025. Account must be approved, open and in Good Standing while this offer is in effect. 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 145,000 TD Rewards Points ("Additional Bonus"), you must make $7,500 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, 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 while this offer is in effect. 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. 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 Effective as of September 4, 2025. The value of up to $1,400 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;
- $825: 165,000 TD Rewards Points earned based on the following requirements:
- 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 145,000 TD Rewards Points earned when you spend $7,500 within 180 days of Account opening (travel value at Expedia For TD of $725);
- $285: The Visa Airport Companion Program is hosted and managed by Dragonpass International Ltd. (“DragonPass”). The yearly value of up to $285 CA is based on the cost of purchasing a Visa Airport Companion Program membership directly from Dragonpass at a foreign exchange rate of 1.3996 USD. A yearly DragonPass membership costs $99 USD and includes one free airport lounge visit. Each additional visit is valued at $35 USD per person per visit. The foreign exchange rate and fees used for the calculation of a yearly value are as of February 4, 2025 and may change from time to time.
Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.
3 Effective as of September 4, 2025. To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Infinite Card account (“Account”) while this offer is in effect, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business] in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
Subject to the above conditions, under this offer you are eligible to receive: (a)(I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 15,000 bonus Aeroplan points ("Additional Bonus"), if $7,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within [180 days] of Account opening; and (III) a one-time anniversary bonus of 20,000 Aeroplan points ("Anniversary Bonus"), if the Account remains open and active for 12 months and $12,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 365 days of Account opening; and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account within [3 months] of Account opening. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
^ Offer effective as of September 4, 2025. The value up to $1,450 could be earned in the first year of Account opening and is based on the combined total value of:
- $214: Annual fee rebate for the Primary ($139), and one Additional Cardholder ($75) for the first year;
- $140: Based on first checked bags for two people, on a round-trip flight in the first year;
- $200: Usage of the Nexus statement credit benefit, each Primary Cardholder and Additional Cardholder will receive one (1) statement credit for the amount posted to the Account, up to a maximum value of $100 CAD, for a NEXUS application fee regardless of NEXUS application approval. Limitations apply, please see Cardholder Agreement for details.
- $900: 45,000 Aeroplan points could be earned based on the following requirements:
- 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 20,000 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 September 1, 2025. Redemption calculation is based on actual flight redemptions made by cardholders between the period of November 8, 2020 – September 1, 2025.
The Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer are subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
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.
5 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
Examples of Interest Charges for a 30-Day Billing Cycle
Annual Interest Rate |
Average Daily Balance |
|||
$100 |
$200 |
$1,000 |
||
Purchases |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Cash Advances |
21.99% |
$1.81 |
$3.61 |
$18.07 |
Purchases – Default Rate |
26.99% |
$2.22 |
$4.44 |
$22.18 |
Cash Advances – Default Rate |
27.99% |
$2.30 |
$4.60 |
$23.01 |
6 Any returned items, refunds, rebates, or other similar credits will reduce or cancel Cash Back Dollars earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, and Cash-Like Transactions), interest charges, optional service, refunds, rebates or other similar credits do not earn Cash Back Dollars. For more details, please review the TD Cash Back Program Terms and Conditions at td.com/agreements. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. The Account must be open & in Good Standing on the date Cash Back Dollars are awarded to qualify.
7 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions.
8 You will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase posted to the Account in a calendar year. In order to receive the TD Travel Credit, the Account must be open, Active and in Good Standing. An Eligible Travel Credit Purchase means:
- A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or
- A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking.
See your TD Rewards Program Terms and Conditions for more details.
9 Earn 3% in Cash Back Dollars on Purchases you make on your TD Cash Back Visa Infinite Card ("Account") at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ("Recurring Bill Payments"). The Cash Back Dollar earn rate for the following purchase categories: (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases is only available on the first $15,000 in annual Purchases in that category ("Annual Cap"). If your total Purchases in one of these categories (i) through (iv) exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in that category for the remainder of the year. If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
* Trademark of Visa International Service Association; Used under licence.
See Air Canada and Aeroplan trade-mark ownership details.
All trade-marks are the property of their respective owners.
®The TD logo and other TD 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.
2 Effective as of September 4, 2025. Account must be approved, open and in Good Standing while this offer is in effect. 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 145,000 TD Rewards Points ("Additional Bonus"), you must make $7,500 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, 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 while this offer is in effect. 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. 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 Effective as of September 4, 2025. The value of up to $1,400 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;
- $825: 165,000 TD Rewards Points earned based on the following requirements:
- 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 145,000 TD Rewards Points earned when you spend $7,500 within 180 days of Account opening (travel value at Expedia For TD of $725);
- $285: The Visa Airport Companion Program is hosted and managed by Dragonpass International Ltd. (“DragonPass”). The yearly value of up to $285 CA is based on the cost of purchasing a Visa Airport Companion Program membership directly from Dragonpass at a foreign exchange rate of 1.3996 USD. A yearly DragonPass membership costs $99 USD and includes one free airport lounge visit. Each additional visit is valued at $35 USD per person per visit. The foreign exchange rate and fees used for the calculation of a yearly value are as of February 4, 2025 and may change from time to time.
3 Effective as of September 4, 2025. To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Infinite Card account (“Account”) while this offer is in effect, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business] in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
Subject to the above conditions, under this offer you are eligible to receive: (a)(I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 15,000 bonus Aeroplan points ("Additional Bonus"), if $7,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within [180 days] of Account opening; and (III) a one-time anniversary bonus of 20,000 Aeroplan points ("Anniversary Bonus"), if the Account remains open and active for 12 months and $12,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 365 days of Account opening; and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account within [3 months] of Account opening. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
Subject to the above conditions, under this offer you are eligible to receive: (a)(I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 15,000 bonus Aeroplan points ("Additional Bonus"), if $7,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within [180 days] of Account opening; and (III) a one-time anniversary bonus of 20,000 Aeroplan points ("Anniversary Bonus"), if the Account remains open and active for 12 months and $12,000 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 365 days of Account opening; and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account within [3 months] of Account opening. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.
TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.
^ Offer effective as of September 4, 2025. The value up to $1,450 could be earned in the first year of Account opening and is based on the combined total value of:
The Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer are subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
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.
- $214: Annual fee rebate for the Primary ($139), and one Additional Cardholder ($75) for the first year;
- $140: Based on first checked bags for two people, on a round-trip flight in the first year;
- $200: Usage of the Nexus statement credit benefit, each Primary Cardholder and Additional Cardholder will receive one (1) statement credit for the amount posted to the Account, up to a maximum value of $100 CAD, for a NEXUS application fee regardless of NEXUS application approval. Limitations apply, please see Aeroplan Rewards Terms and Conditions for TD Credit Cards for details.
- $900: 45,000 Aeroplan points could be earned based on the following requirements:
- 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 20,000 Aeroplan points earned when you spend $12,000 and Account has been opened for 12 months
The Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer are subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.
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.
Sans frais au 1-888-853-4458 (Canada/ États-Unis) ou au 1-630-350-4545 (autre pays) pour de l’aide.
5 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.
(i) Annual fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
(i) Annual fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.
(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.
(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).
(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.
(v) Example of Interest Charges
| Examples of Interest Charges for a 30-Day Billing Cycle | ||||
|---|---|---|---|---|
| Annual Interest Rate | Average Daily Balance | |||
| $100 | $200 | $1,000 | ||
| Purchases | 20.99% | $1.73 | $3.45 | $17.25 |
| Cash Advances | 20.99% | $1.73 | $3.45 | $17.25 |
| Purchases - Default Rate | 25.99% | $2.14 | $4.27 | $21.36 |
| Cash Advances - Default Rate | 27.99% | $2.30 | $4.60 | $23.01 |
* Trademark of Visa International Service Association and 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.
1 Welcome Bonus: Effective as of April 30, 2025, Account must be approved, open and in Good Standing while this offer is in effect.
Welcome Bonus of 10% in Cash Back Dollars applies to new TD Cash Back Visa Infinite Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $3,500 ("Welcome Bonus Cap") on any one or more of the following transactions charged to the Account at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments").
If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
In the first 3 months of Account opening, the Welcome Bonus of 10% in Cash Back Dollars listed above is in place of, and not in addition to, the earn rates listed within the TD Cash Back Program Terms and Conditions.
During the first year that the Account is open, the $15,000 Cap for each of (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases will be reduced by the actual corresponding amount of purchases in one of these categories (i) through (iv) made in the First 3 Months.
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 while this offer is in effect. 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. The Special Offer Bonus and 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Cash Back Dollars are awarded.
Welcome Bonus of 10% in Cash Back Dollars applies to new TD Cash Back Visa Infinite Accounts ("Account") in the first 3 months of Account opening ("First 3 Months") to a maximum total collective spend of $3,500 ("Welcome Bonus Cap") on any one or more of the following transactions charged to the Account at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments").
If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
In the first 3 months of Account opening, the Welcome Bonus of 10% in Cash Back Dollars listed above is in place of, and not in addition to, the earn rates listed within the TD Cash Back Program Terms and Conditions.
During the first year that the Account is open, the $15,000 Cap for each of (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases will be reduced by the actual corresponding amount of purchases in one of these categories (i) through (iv) made in the First 3 Months.
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 while this offer is in effect. 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. The Special Offer Bonus and 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. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Cash Back Dollars are awarded.
† Offer Effective as of April 30, 2025. The value of up to $600 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 Cardholder ($139) and first Additional Cardholder ($50) for the first year;
- $350: Earn a cumulative 10% in Cash Back Dollars on eligible Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases in the first three months of account opening until $3,500 in such Purchases have been made.
- $89: 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership
6 Any returned items, refunds, rebates, or other similar credits will reduce or cancel Cash Back Dollars earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, and Cash-Like Transactions), interest charges, optional service, refunds, rebates or other similar credits do not earn Cash Back Dollars. For more details, please review the TD Cash Back Program Terms and Conditions at td.com/agreements. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. The Account must be open & in Good Standing on the date Cash Back Dollars are awarded to qualify.