Rankings
Best TD Credit Cards in Canada
The TD First Class Travel Visa Infinite Card leads the TD lineup on both measures we track: $1,251 of first-year value and $357 in net annual rewards on our example profile. Both figures are net of the annual fee.
Which TD credit card earns the most in the first year?
The TD First Class Travel Visa Infinite Card records the highest first-year value of the TD cards we track: $1,251 on our example profile, after its $139 annual fee.
| Card | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|
| TopTD First Class Travel Visa Infinite Card | $139 | $1,251 | $357 |
| TD Aeroplan Visa Infinite | $139 | $779 | $140 |
| TD Aeroplan Visa Infinite Privilege | $599 | $732 | −$268 |
| TD Cash Back Visa Infinite | $139 | $659 | $324 |
| TD Platinum Travel Visa | $89 | $588 | $249 |
WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.
TD’s lineup splits between the bank’s own travel and cash-back cards and the Aeroplan cards it issues, so which program a card feeds matters as much as the rate beside it.
First-year value counts the welcome bonus where our engine supports the offer; that is $894 of the TD First Class Travel Visa Infinite Card’s total, and it is paid once. Net annual rewards is the figure that describes year two onward.
Put it into practiceTD cardsWhich TD card is best after the first year?
The TD First Class Travel Visa Infinite Card records the highest net annual rewards of the lineup at $357 on our example profile.
| Card | Annual fee | First-year value | Net annual rewards |
|---|---|---|---|
| TopTD First Class Travel Visa Infinite Card | $139 | $1,251 | $357 |
| TD Cash Back Visa Infinite | $139 | $659 | $324 |
| TD Platinum Travel Visa | $89 | $588 | $249 |
| TD Aeroplan Visa Infinite | $139 | $779 | $140 |
| TD Aeroplan Visa Infinite Privilege | $599 | $732 | −$268 |
TD Aeroplan Visa Infinite Privilege records a negative net annual figure here: the annual fee is larger than the rewards we estimate for this spending, before any welcome bonus.
None of these cards records a zero foreign transaction fee, so US-dollar spending carries the card’s recorded fee.
What do TD credit cards cost a year?
Annual fees in this lineup run from $89 on the TD Platinum Travel Visa to $599 on the TD Aeroplan Visa Infinite Privilege.
| Card | Annual fee | Net annual rewards |
|---|---|---|
| TopTD First Class Travel Visa Infinite Card | $139 | $357 |
| TD Aeroplan Visa Infinite | $139 | $140 |
| TD Aeroplan Visa Infinite Privilege | $599 | −$268 |
| TD Cash Back Visa Infinite | $139 | $324 |
| TD Platinum Travel Visa | $89 | $249 |
The value columns on this page are net of the annual fee: a card whose fee is larger than the rewards we estimate shows a negative figure rather than a hidden cost.
A fee is worth paying when the rewards and benefits you would actually use exceed it. Where a benefit needs a spending level or a booking channel you do not use, it does not count.
How does TD compare with the rest of the catalogue?
The TD First Class Travel Visa Infinite Card records the highest first-year value in the whole catalogue at $1,251, so it also leads the TD lineup.
A larger first-year figure usually means a bigger welcome bonus rather than a better ongoing rate: compare the net annual rewards column before reading a gap as a permanent advantage.
Every card is put through the same engine, the same example profile and the same earn rules, so a card cannot move up because of an affiliate relationship.
How do I check these TD cards against my own spending?
Enter your monthly spending in Find My Card and the same engine re-ranks these cards on your numbers instead of our example profile.
WalletReturn example spending of $2,000/month: groceries $500, dining $200, gas $150, transit $80, travel $100, recurring bills $200, entertainment $100, drugstore $40, online $300, other $330.
WalletReturn is paid by affiliate links on some cards. That never changes an estimate, a cap or the order of a ranking, and an unrecorded fact stays unrecorded rather than being assumed in a card’s favour.
Keep reading
Choosing a cardBMO CashBack World Elite vs TD Cash Back Visa Infinite in CanadaOn our example spending profile the BMO CashBack World Elite Mastercard finishes the year $106 ahead: $430 of rewards net of its $139 regular annual fee, against $324 for the TD Cash Back Visa Infinite after its $139 fee. The BMO CashBack World Elite Mastercard also pays the higher recorded rate in 2 of the 9 categories both cards price, and the TD Cash Back Visa Infinite in 2.- Choosing a cardScotiabank Momentum Visa Infinite vs TD Cash Back Visa Infinite in CanadaOn our example spending profile the Scotia Momentum Visa Infinite + finishes the year $76 ahead: $400 of rewards net of its $120 regular annual fee, against $324 for the TD Cash Back Visa Infinite after its $139 fee. The Scotia Momentum Visa Infinite + also pays the higher recorded rate in 3 of the 9 categories both cards price, and the TD Cash Back Visa Infinite in 3.
RankingsBest RBC Credit Cards in CanadaWestJet RBC World Elite Mastercard records the highest first-year value of the RBC cards we track at $865, and RBC Cash Back Preferred World Elite Mastercard leads the same lineup on net annual rewards at $343. Both figures are net of the annual fee.
RankingsBest American Express Cards in CanadaEvery Amex and Amex-network card in Canada ranked by first-year value, including Scotiabank’s Amex cards. Top: Scotiabank Gold American Express ($1,011).
Official sources and further reading
Terms vary by product. Confirm the provider’s current terms before acting. This guide does not predict approval, realized value or credit-score changes. How WalletReturn calculates value