Canada · October 2026
TD Canada Trust credit cards
14 cards, ranked by estimated net annual rewards value where the issuer states earn rates.
Earn 1.5 Aeroplan points per $1 on gas, EV charging, groceries and Air Canada purchases (and Hyatt), 1 point per $1 on everything else; free first checked bag for you and up to eight companions on Air Canada.
Earn: base 1 pts · groceries 1.5 pts · gas 1.5 pts · travel 1.5 pts
- Annual fee
- $139 (Additional cardholder $75; first-year fee rebate with offer)
- Est. net value / yr
- $657
- Welcome offer
- Up to 50,000 Aeroplan points: 10,000 on first purchase, 15,000 at $3,000 spend in 90 days, 25,000 anniversary bonus at $12,000 spend in 12 months; first-year fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 2 Aeroplan points per $1 on Air Canada purchases, 1.5 on travel, transit, dining, EV charging and select business categories, 1 on everything else.
Earn: base 1 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $149 (Additional cards $49; first-year fee rebate for you and up to two additional cardholders)
- Est. net value / yr
- $608
- Welcome offer
- Up to 60,000 Aeroplan points: 10,000 on first purchase, 30,000 at $15,000 in 180 days, 20,000 at $25,000 in 365 days
- Purchase rate
- 14.99%
- Foreign transaction fee
- Not stated
Earn 8 TD Rewards Points per $1 on Expedia For TD travel, 6 on groceries, dining and public transit, 4 on recurring bills and streaming, and 2 on other purchases.
Earn: base 2 pts · groceries 6 pts · dining 6 pts · travel 8 pts
- Annual fee
- $139 (Additional cardholder $50 for first, $0 subsequent; first-year fee rebate with offer)
- Est. net value / yr
- $509
- Welcome offer
- Up to 160,000 TD Rewards Points: 20,000 on first purchase plus 140,000 at $7,500 spend in 180 days; first-year fee rebate; annual $100 TD travel credit
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 1 Aeroplan point per $1 on gas, EV charging, groceries and Air Canada purchases, and 1 point per $1.50 on all other purchases.
Earn: base 0.67 pts · groceries 1 pts · gas 1 pts · travel 1 pts
- Annual fee
- $89 (Additional cardholder $35; first-year fee rebate with offer)
- Est. net value / yr
- $443
- Welcome offer
- Up to 20,000 Aeroplan points: 10,000 on first purchase plus 10,000 at $1,500 spend in 90 days; first-year fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 6 TD Rewards Points per $1 on Expedia For TD travel, 4.5 on groceries, dining and public transit, 3 on recurring bills and streaming, and 1.5 on other purchases.
Earn: base 1.5 pts · groceries 4.5 pts · dining 4.5 pts · travel 6 pts
- Annual fee
- $89 (Additional cardholder $35 for first, $0 subsequent; first-year fee rebate with offer)
- Est. net value / yr
- $397
- Welcome offer
- Up to 50,000 TD Rewards Points: 15,000 on first purchase plus 35,000 at $3,000 spend in 180 days; first-year fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 3% Cash Back Dollars on groceries, gas and EV charging, public transit, recurring bills and streaming/gaming/media, and 1% on everything else.
Earn: base 1% · groceries 3% · gas 3%
- Annual fee
- $139 (Additional cardholder $50 for first, $0 for subsequent; first-year fee rebated with offer; annual rebate with TD All-Inclusive Banking Plan)
- Est. net value / yr
- $377
- Welcome offer
- Up to $600 total value: 10% Cash Back Dollars in first 3 months on bonus-eligible purchases up to $3,500 spend, plus first-year annual fee rebate
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn 9 TD Rewards Points per $1 on Expedia For TD travel, 6 on dining, EV charging, transit, streaming, recurring bills and foreign currency purchases, and 2 on other business purchases.
Earn: base 2 pts · dining 6 pts · travel 9 pts
- Annual fee
- $149 (Additional cards $49; first-year fee rebate for you and up to four additional cardholders)
- Est. net value / yr
- $349
- Welcome offer
- Up to 200,000 TD Rewards Points: 30,000 on first purchase, 120,000 at $15,000 in 180 days, 30,000 at $25,000 in 365 days, 20,000 in 15th billing cycle
- Purchase rate
- 19.99%
- Foreign transaction fee
- Not stated
Earn 2 Aeroplan points per $1 on Air Canada purchases, 1.5 on gas, EV, groceries, travel, transit and dining, 1.25 on everything else; Maple Leaf Lounge access and 6 Visa Airport Companion lounge visits.
Earn: base 1.25 pts · groceries 1.5 pts · gas 1.5 pts · dining 1.5 pts · travel 2 pts
- Annual fee
- $599 (Additional cardholder $199; partial annual fee rebate with TD All-Inclusive Banking Plan)
- Est. net value / yr
- $338
- Welcome offer
- Up to 100,000 Aeroplan points: 20,000 on first purchase, 30,000 at $12,000 spend in 180 days, 50,000 anniversary bonus at $24,000 spend in 12 months
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 4 TD Rewards Points per $1 on Expedia For TD travel, 3 on groceries, dining and public transit, 2 on recurring bills and streaming, and 1 on other purchases.
Earn: base 1 pts · groceries 3 pts · dining 3 pts · travel 4 pts
- Annual fee
- $0 (Additional cardholder $0)
- Est. net value / yr
- $324
- Welcome offer
- 15,152 TD Rewards Points (value $50 on Amazon.ca) when you spend $500 within 90 days
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 1% Cash Back Dollars on groceries, gas and EV charging, transit, recurring bills and streaming, and 0.5% on all other purchases.
Earn: base 0.5% · groceries 1% · gas 1%
- Annual fee
- $0 (Additional cardholders $0)
- Est. net value / yr
- $204
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Earn 2% Cash Back Dollars on gas, EV charging, transit, recurring bills, streaming and office supplies, and 0.5% on all other purchases.
Earn: base 0.5% · gas 2%
- Annual fee
- $0 (Additional cards $0)
- Est. net value / yr
- $186
- Purchase rate
- 19.99%
- Foreign transaction fee
- Not stated
- #12
TD Business Select Rate Visa Card TD Canada Trust
Fixed-rate business card: 11.99% with no annual fee, or 8.99% with a $49 annual fee; no rewards.
- Annual fee
- $0 (Option: pay $49 annual fee for 8.99% rate; additional cards $0)
- Purchase rate
- 11.99% (8.99% with $49 annual fee)
- Foreign transaction fee
- Not stated
- #13
TD Low Rate Visa Card TD Canada Trust
Fixed 12.90% interest on purchases and cash advances; no rewards.
- Annual fee
- $25 (Additional cardholder $0; first-year fee rebate with offer)
- Welcome offer
- 0% promotional interest on purchases for first 6 months plus first-year annual fee rebate
- Purchase rate
- 12.90%
- Foreign transaction fee
- Not stated
- #14
TD U.S. Dollar Visa Card TD Canada Trust
Billed in U.S. dollars so purchases in USD avoid credit card foreign currency conversion fees; no rewards.
- Purchase rate
- 21.99%
- Foreign transaction fee
- Not stated
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.