TD credit cards
Verified Oct 16, 2026CAD
9 TD cards ranked on a family's spending, each with Year 1 against every year after. Annual fees run from $0 to $599.
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
- #1
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,615Year 2+$6763 years $2,966 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,615Year 2+$676Welcome or anniversary bonus$800 / $0Rewards on spending$755 / $755Credits$60 / $60Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
6xGrocGroceries6xDineDining and takeout2xGasGas and EV charging2xAirFlights2xHotelHotels and car rentals6xTransitTransit and rideshare4xStreamStreaming2xDrugDrugstores2xOnlineOnline shopping4xBillsPhone, internet and utilities2xOtherEverything elseWhy it's ranked here
- Ranked #1 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth $2,966 after fees.
- Year 1. $1,615 = welcome bonus $800 + rewards $755 + credits $60.
- Each year after. $676 = rewards $755 + credits $60 − fee $139.
- Against #2. Beats TD Cash Back Visa Infinite by $580 over 3 years, mostly on welcome bonus (+$450).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #2
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$1,122Year 2+$6333 years $2,387 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$1,122Year 2+$633Welcome or anniversary bonus$350 / $0Rewards on spending$772 / $772Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
3%GrocGroceries1%DineDining and takeout3%GasGas and EV charging1%AirFlights1%HotelHotels and car rentals3%TransitTransit and rideshare3%StreamStreaming1%DrugDrugstores1%OnlineOnline shopping3%BillsPhone, internet and utilities1%OtherEverything elseWhy it's ranked here
- Ranked #2 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth $2,387 after fees.
- Year 1. $1,122 = welcome bonus $350 + rewards $772.
- Each year after. $633 = rewards $772 − fee $139.
- Against #1. Trails TD First Class Travel Visa Infinite by $580 over 3 years, mostly on welcome bonus (−$450).
- Against #3. Beats TD Platinum Travel Visa by $617 over 3 years, mostly on rewards on spending (+$617).
Verified Oct 16, 2026Every term and assumption - #3
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$816Year 2+$4773 years $1,770 after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1$816Year 2+$477Welcome or anniversary bonus$250 / $0Rewards on spending$566 / $566Fees (taken off the end)-$0 / −$89 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
4.5xGrocGroceries4.5xDineDining and takeout1.5xGasGas and EV charging1.5xAirFlights1.5xHotelHotels and car rentals4.5xTransitTransit and rideshare3xStreamStreaming1.5xDrugDrugstores1.5xOnlineOnline shopping3xBillsPhone, internet and utilities1.5xOtherEverything elseWhy it's ranked here
- Ranked #3 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth $1,770 after fees.
- Year 1. $816 = welcome bonus $250 + rewards $566.
- Each year after. $477 = rewards $566 − fee $89.
- Against #2. Trails TD Cash Back Visa Infinite by $617 over 3 years, mostly on rewards on spending (−$617).
- Against #4. Beats TD Aeroplan Visa Infinite by $116 over 3 years, mostly on rewards on spending (+$303).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #4
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $978, based on 1 cents per pointYear 2+estimated value, about $339, based on 1 cents per point3 years estimated value, about $1,655, based on 1 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $978, based on 1 cents per pointYear 2+estimated value, about $339, based on 1 cents per pointWelcome or anniversary bonus$500 / $0Rewards on spending$465 / $465Credits$13 / $13Fees (taken off the end)-$0 / −$139 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1xDineDining and takeout1.5xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals1xTransitTransit and rideshare1xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping1xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #4 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth about $1,655 (estimated) after fees.
- Year 1. about $978 (estimated) = welcome bonus $500 + rewards $465 + credits $13.
- Each year after. about $339 (estimated) = rewards $465 + credits $13 − fee $139.
- Against #3. Trails TD Platinum Travel Visa by $116 over 3 years, mostly on rewards on spending (−$303).
- Against #5. Beats TD Rewards Visa by $589 over 3 years, mostly on welcome bonus (+$424).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #5
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$406Year 2+$3303 years $1,066 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$406Year 2+$330Welcome or anniversary bonus$76 / $0Rewards on spending$330 / $330Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
3xGrocGroceries3xDineDining and takeout1xGasGas and EV charging1xAirFlights1xHotelHotels and car rentals3xTransitTransit and rideshare2xStreamStreaming1xDrugDrugstores1xOnlineOnline shopping2xBillsPhone, internet and utilities1xOtherEverything elseWhy it's ranked here
- Ranked #5 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth $1,066 after fees.
- Year 1. $406 = welcome bonus $76 + rewards $330.
- Each year after. $330 = rewards $330.
- Against #4. Trails TD Aeroplan Visa Infinite by $589 over 3 years, mostly on welcome bonus (−$424).
- Against #6. Beats TD Aeroplan Visa Platinum by $113 over 3 years, mostly on annual fees (+$178).
Points valued at 0.50¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #6
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $510, based on 1 cents per pointYear 2+estimated value, about $221, based on 1 cents per point3 years estimated value, about $952, based on 1 cents per point after fees· pays for itself in month 1
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $510, based on 1 cents per pointYear 2+estimated value, about $221, based on 1 cents per pointWelcome or anniversary bonus$200 / $0Rewards on spending$310 / $310Fees (taken off the end)-$0 / −$89 Pays for itself in month 1 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1xGrocGroceries0.667xDineDining and takeout1xGasGas and EV charging0.667xAirFlights0.667xHotelHotels and car rentals0.667xTransitTransit and rideshare0.667xStreamStreaming0.667xDrugDrugstores0.667xOnlineOnline shopping0.667xBillsPhone, internet and utilities0.667xOtherEverything elseWhy it's ranked here
- Ranked #6 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth about $952 (estimated) after fees.
- Year 1. about $510 (estimated) = welcome bonus $200 + rewards $310.
- Each year after. about $221 (estimated) = rewards $310 − fee $89.
- Against #5. Trails TD Rewards Visa by $113 over 3 years, mostly on annual fees (−$178).
- Against #7. Beats TD Aeroplan Visa Infinite Privilege by $33 over 3 years, mostly on annual fees (+$1,619).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #7
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1estimated value, about $973, based on 1 cents per pointYear 2+estimated value, about −$27, based on 1 cents per point3 years estimated value, about $919, based on 1 cents per point after fees· pays for itself in month 4Mostly first-year value
Breakdown, earn rates and why it's ranked here
Year 1estimated value, about $973, based on 1 cents per pointYear 2+estimated value, about −$27, based on 1 cents per pointWelcome or anniversary bonus$1,000 / $0Rewards on spending$560 / $560Credits$13 / $13Fees (taken off the end)−$599 / −$599 Pays for itself in month 4 · value so far covers fees so far Year 1Year 2Year 3Earn rate by category
1.5xGrocGroceries1.5xDineDining and takeout1.5xGasGas and EV charging2xAirFlights1.5xHotelHotels and car rentals1.5xTransitTransit and rideshare1.25xStreamStreaming1.25xDrugDrugstores1.25xOnlineOnline shopping1.25xBillsPhone, internet and utilities1.25xOtherEverything elseWhy it's ranked here
- Ranked #7 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth about $919 (estimated) after fees.
- Year 1. about $973 (estimated) = welcome bonus $1,000 + rewards $560 + credits $13 − fee $599.
- Each year after. about −$27 (estimated) = rewards $560 + credits $13 − fee $599.
- Against #6. Trails TD Aeroplan Visa Platinum by $33 over 3 years, mostly on annual fees (−$1,619).
- Against #8. Beats TD Cash Back Visa by $112 over 3 years, mostly on annual fees (−$1,797).
Points valued at 1.00¢ each; move the "Value points as" slider above to see what they're worth transferred.
Verified Oct 16, 2026Every term and assumption - #8
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$269Year 2+$2693 years $807 after fees· no fee to cover
Breakdown, earn rates and why it's ranked here
Year 1$269Year 2+$269Rewards on spending$269 / $269Fees (taken off the end)-$0 / -$0 No annual fee Year 1Year 2Year 3Earn rate by category
1%GrocGroceries0.5%DineDining and takeout1%GasGas and EV charging0.5%AirFlights0.5%HotelHotels and car rentals1%TransitTransit and rideshare1%StreamStreaming0.5%DrugDrugstores0.5%OnlineOnline shopping1%BillsPhone, internet and utilities0.5%OtherEverything elseWhy it's ranked here
- Ranked #8 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth $807 after fees.
- Year 1. $269 = rewards $269.
- Each year after. $269 = rewards $269.
- Against #7. Trails TD Aeroplan Visa Infinite Privilege by $112 over 3 years, mostly on annual fees (+$1,797).
- Against #9. Beats TD Low Rate Visa by $857 over 3 years, mostly on rewards on spending (+$807).
Verified Oct 16, 2026Every term and assumption - #9
after fees: After the card's annual or monthly fee, and foreign transaction fees if you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime) aren't included.Year 1$0Year 2+−$253 years −$50 after fees· never covers its fee
Breakdown, earn rates and why it's ranked here
Year 1$0Year 2+−$25Fees (taken off the end)-$0 / −$25 Doesn't cover its fees within 3 years Year 1Year 2Year 3Earn rate by category
0%GrocGroceries0%DineDining and takeout0%GasGas and EV charging0%AirFlights0%HotelHotels and car rentals0%TransitTransit and rideshare0%StreamStreaming0%DrugDrugstores0%OnlineOnline shopping0%BillsPhone, internet and utilities0%OtherEverything elseWhy it's ranked here
- Ranked #9 of 9. By 3-year value on the family preset's spending. Over 3 years it's worth −$50 after fees.
- Year 1. $0 = nothing.
- Each year after. −$25 = fee $25.
- Against #8. Trails TD Cash Back Visa by $857 over 3 years, mostly on rewards on spending (−$807).
Verified Oct 16, 2026Every term and assumption
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
3-year value on each preset
points at their cash value, after fees. "~" marks estimates.
| Card | Student | Couple | Family | Frequent traveller | Big spender |
|---|---|---|---|---|---|
| TD First Class Travel Visa Infinite | $754 | $2,468 | $2,966 | $3,121 | $5,461 |
| TD Cash Back Visa Infinite | $462 | $1,813 | $2,387 | $2,290 | $4,637 |
| TD Platinum Travel Visa | $636 | $1,396 | $1,770 | $1,886 | $3,641 |
| TD Aeroplan Visa Infinite | ~$270 | ~$1,314 | ~$1,655 | ~$1,773 | ~$3,395 |
| TD Rewards Visa | $452 | $893 | $1,066 | $1,189 | $1,956 |
| TD Aeroplan Visa Platinum | ~$296 | ~$725 | ~$952 | ~$1,032 | ~$2,113 |
| TD Aeroplan Visa Infinite Privilege | ~−$1,062 | ~$519 | ~$919 | ~$1,257 | ~$3,255 |
| TD Cash Back Visa | $274 | $632 | $807 | $889 | $1,673 |
| TD Low Rate Visa | −$50 | −$50 | −$50 | −$50 | −$50 |
Frequently asked questions
Which TD card is best?
On a family's spending, TD First Class Travel Visa Infinite is worth the most over 3 years ($2,966).
What do TD cards cost?
Annual fees from $0 to $599 across the 9 cards listed here.
What rewards do TD cards earn?
TD Rewards, Cash back, Aeroplan. Points are shown in dollars at the program's cash or statement-credit value unless you choose another redemption.
Sources
- Amex Cobalt card page
- Milesopedia points valuations, in effect since September 1, 2026
- Prince of Travel points valuations (cross-check, high end of range)
- CIBC Aventura Visa Infinite card page
- RBC Avion Visa Infinite card page
- PC World Elite Mastercard page
- WestJet RBC World Elite Mastercard page (70,000 points = up to $700 off travel)
- National Bank World Elite Mastercard page (redemption examples)
Estimates for information only; not financial advice. See how cards are ranked.