Best TD Canada Trust Credit Cards in Canada for 2021

TD Aeroplan Visa Infinite Card
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Details
Annual Fee: $139
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Min Income Requirement: $60000
Why Apply:
  • Earn Aeroplan points on your everyday Purchases.
  • Redeem your rewards any time – Every seat, every flight, no restrictions
    Use Aeroplan points for more than just flights 
  • Peace of mind when travelling
  • Assistance on the road
Recommended Credit Score:
670 900
Average to Excellent

The TD Aeroplan Visa Infinite Card is a versatile credit card that allows you to earn Aeroplan miles, get a comprehensive travel insurance package, and earn rewards at a decent rate. With TD being the official partner of Aeroplan, we consider this one of the best Aeroplan credit card in Canada. It targets members and gives double miles when used together with the Aeroplan membership card.

  • Earn Aeroplan points on your everyday Purchases. Whether you use your TD® Aeroplan® Visa Infinite Card for gas, bills or groceries, you’re rewarded with Aeroplan points that can take you across the globe
  • Redeem your rewards any time – Every seat, every flight, no restrictions
    Every Air Canada seat available to buy for cash is also available for points – no restrictions, no blackout periods.
  • Use Aeroplan points for more than just flights - Redeem your points across your trip, from hotel rooms to car rentals.
  • Peace of mind when travelling – With a medical coverage that includes standard protection and up to $2 million coverage during the first 10 days of a trip, this card lets you travel in peace. In addition, it also offers access to emergency travel assistance as well as delayed and lost baggage insurance.
  • Assistance on the road – This credit card gives you complimentary membership to the company’s TD Auto Club and makes you eligible for free emergency roadside assistance anytime.

The most obvious feature of this credit card is in the name, it has a connection to Aeroplan. Aeroplan is Canada’s frequent flyer program and the TD Aeroplan Visa Infinite allows card holders to earn Aeroplan points on daily expenditures. In addition, there is a welcoming bonus of 10,000 bonus Aeroplan points with your first purchase. It doesn’t take much to start earning!

 

Card holders earn 1.5 miles per dollar spent on groceries, pharmacies, gas and Air Canada purchases. One point per dollar spent is earned on all other purchases. A notable benefit of the TD Aeroplan Visa Infinite credit card is you can earn points on everyday expenditures which means it’s not challenging to earn at all.

 

In addition to the ease of earning points, cardholders gain access to travel insurance. The insurance covers car rental insurance, delayed or lost baggage, trip cancellation or interruption, flight delay, travel accident and medical emergency expenses. However, insurance only applies when you charge the full cost to your TD Aeroplan Visa Infinite which can be inconvenient when you’re abroad. Finally, cardholders have special Air Canada benefits when you redeem your points for Air Canada flights. These include priority check-in, priority boarding, an annual visit to the Air Canada Maple Leaf Lounge and a complimentary first checked bag.

 

A pitfall of this credit card is the $139 annual fee. TD will waive the fee for the first year if you have an All-Inclusive Account and have $5,000 or more sitting in that account. Another disadvantage is that it's hard to peg the actual value of the points you earn. The amount of points you need for a flight depends on your desired travel class and destination. TD allows card holders to redeem their points on any Air Canada flight or any other Star Alliance partner airline which gives you ample choice. While the travel points aren’t the best on the market, it can be an extremely favourable card for those who like to travel with Air Canada.

 

All in all, the TD Aeroplan Visa Infinite card has a lot of advantages, but they’re not the best on the market. Also, the disadvantages can off put the advantages making it subpar. However, it is more attainable than other travel based credit cards on the market and is an excellent choice if you already bank with TD and work with Aeroplan.

TD First Class Travel Visa Infinite Card
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Details
Annual Fee: $120
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Min Income Requirement: $60000
Why Apply:

 

  • Generous sign-up bonus
  • Rich travel rewards
  • Flexible travel options
  • Full range of travel insurance benefits
Recommended Credit Score:
670 900
Average to Excellent

 

The product of TD's partnership with Expedia, the TD First Class Travel Visa Infinite Card is a great card for travelers. It comes with a host of travel benefits including a flexible points program, generous sign-up bonus and impressive travel insurance coverage.

 

  • Generous sign-up bonus - For a limited time, new applicants can receive up to 100,000 TD bonus points ($670 value when redeemed for travel) 
  • Rich travel rewards- Book your flights or any form of travel on ExpediaforTD.com and get back an equivalent of 4.5% for every dollar spent. This is a lot compared to the 2% reward offered by most travel credit cards in Canada. Plus, ExpediaforTD offers the same access to flights and hotels offered by Expedia.com, giving you a lot of options for flights and hotel packages at your fingertips.
  • Flexible travel options - You can redeem your points for almost everything travel-related such as flights on any airline, hotel stays, car rentals and vacation packages. Points can also be used to cover the cost of taxes and fees as well as be used to redeem merchandise and gift cards from TD's e-store.
  • Full range of travel insurance benefits - Get fully covered and protected with a comprehensive travel insurance that includes $1,000,000 in travel medical coverage and rental car insurance.

The TD First Class Travel Visa Infinite Card is a great travel and reward credit card with extensive insurance coverage and benefits.

The product of TD's partnership with Expedia, the TD First Class Travel Visa Infinite Card is a great card for travelers. It comes with a host of travel benefits including a flexible points program, generous sign-up bonus and impressive travel insurance coverage.


This credit card taps into one of the largest travel tools out there - Expedia. Not only can card holders use their points to purchase travel products on Expedia for TD, when they make a purchase they earn nine points per dollar spent. That’s one of the quickest ways to earn travel points in Canada! Keep in mind that Expedia for TD has all of the flights, hotels and travel packages that the regular Expedia site has. Fortunately, there are no black out dates or other limitations when booking. Points never expire and can go towards taxes and other fees. If travel isn’t for you, you can also redeem points for merchandise and gift cards through TD. However, this way, you won’t get as much value for your purchase.

 

When you obtain the TD First Class Travel Visa Infinite, you will receive a welcome offer of 20,000 points after your first purchase and 80,000 TD Points when you spend $1,000 within 90 days of Account opening. For purchases outside of Expedia for TD, cardholders earn a meger three points per dollar spent.

 

While enjoying your travels abroad, you will benefit from travel insurance as well with the TD First Class Travel Visa Infinite. The main travel insurance coverage includes medical emergency, travel accidents, trip cancellation, car rental insurance, delayed or lost baggage and trip interruption. During your flights, you also can access lounges at a discounted price.

 

All of these features are great, but the card requires a $120 annual fee and income of $60,000 individually or $100,000 among the household(Annual fee waived at this time). Additional users also come with a $50 fee. The good news is that if you have a TD All Inclusive Banking Plan with $5,000 in it at all times, the annual fee will be waived. The bad news is if you dip below $5,000 in that account, you will be charged $30 per month which works out to be more than the annual fee.

 

The TD First Class Travel Visa Infinite is an excellent choice for individuals who travel once a year or more because card holders will earn points quickly on regular purchases. In addition, there are an array of benefits that the card holder can benefit from. So long as you can afford the annual fee and meet the income requirements, consider getting this credit card today!

TD U.S. Dollar Visa Card
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Details
Annual Fee: $39
Purchases Interest Rate: 19.99%
Cash Advance Interest Rate: 22.99%
Min Income Requirement: Not Available
Why Apply:
  • Freedom to shop across the border
  • Enough protection
  • Convenient payment
Recommended Credit Score:
670 900
Average to Excellent

Always going to the US for vacation? Then it pays to have the TD US Dollar Visa Card in your wallet. It lets you pay in USD directly, eliminating foreign exchange fees and giving you better exchange rates than if you use other Canadian credit cards. This US dollar credit card is perfect for the frequent cross-border shopper or business people who are heading south often.

 

  • Freedom to shop across the border – Because you won’t be charged a foreign exchange fee (usually 2.5% from regular credit cards), you can shop, eat at foreign restaurant or book a hotel with peace of mind and more savings on your pocket. It also takes the guesswork out of fluctuating currency exchange rates.
  • Enough protection – While other US credit cards offer minimal protection, the TD US Dollar Visa Card provides sufficient trip interruption coverage, delayed and lost baggage insurance, collision or loss damage coverage for rental cars, and purchase security and extended warranty protection.
  • Convenient payment – This credit card offers chip and payWave convenience. It is also compatible with Apple Pay.

 

This credit card allows cardholders to easily make purchases in United States currency. This card carries an annual fee of $39 USD for the primary cardholder and $0 for additional cardholders. The annual interest rate is 19.99% on purchases and 22.99% on cash advances.



This card's key feature is that it allows cardholders to make purchases and pay bills in United States currency without incurring foreign transaction fees. It also allows cardholders to avoid the hassle of dealing with fluctuating currency exchange rates. This feature can prove to be quite valuable as well, as exchange rates and fees can significantly reduce the value of money spent internationally.



There is no minimum income requirement to apply for this card. Applicants simply must be Canadian residents who have reached the age of majority in their province or territory.



The bottom line: Credit card users who frequently find themselves making purchases from United States business, paying bills in the United States, or otherwise making personal transactions in United States currency could greatly benefit from this card. This card allows cardholders to avoid paying foreign transaction fees and to avoid the financial and logistical challenges that fluctuating exchange rates pose.

Author Bio

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Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook.