MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our advertising and trusted partners.
As one of Canada’s Big Six banks, TD offers a wide array of financial services, including an impressive portfolio of more than two dozen credit cards. We’ve broken down our picks for the best TD credit cards in Canada, so that you’ve got the information to make the choice best for you. Whether you’re looking for a credit card that is perfect for low interest, cash back (including one with no annual fee), flexible travel points (think: Expedia), a co-branded travel card (that’s Aeroplan), we have options for you.
Best credit card for cash back
If you like cash rewards, you’ll want to take a look at the TD Cash Back Visa Infinite. Its main draws: a strong 3% return in three very popular spending categories, and comprehensive roadside assistance perks.
MoneySense editor insights: The editorial team loves the competitive cash-back rate of 3% on eligible grocery and gas purchases, as well as recurring bill payments set up on the card. The annual fee might feel a bit steep for some Canadians, but the cash rewards might make up for it.
featured
TD Cash Back Visa Infinite Card
Annual fee: $139 (rebated first year)
Welcome offer: Earn up to $600 in value, including 10% cash back on eligible purchases during the first three months (on up to $3,500 in purchases). Conditions apply.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 or household income of $100,000 |
| Credit score | 680 or higher (recommended) |
Best credit card for flexible travel points
Thanks to the partnership between TD and Expedia, you can redeem TD points you collect on the TD First Class Travel Visa Infinite for virtually anything travel-related. That includes hotels, vacation packages, and flights—at any airline, hotel or travel provider listed on one of the world’s largest travel comparison sites. That flexibility puts this card on our best TD credit cards list.
MoneySense editor insights: Frequent travellers will love the flexibility in redeeming travel rewards. You can’t get any better with a TD credit card.
featured
TD First Class Travel Visa Infinite Card
Annual fee: $139 (waived first year)
Welcome offer: Earn up to $1,000 in value, including up to 135,000 TD Rewards points and no annual fee for the first year. Conditions apply.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 or household income of $100,000 |
| Credit score | 680 or higher (recommended) |
| Anniversary bonus | Earn an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points). |
| Point value | . |
Best for travel with Air Canada
The new TD Aeroplan Visa Infinite has a lot on offer for travellers, especially those who prefer booking with Air Canada.
MoneySense editor insights: If you love the Aeroplan rewards program, this TD card is for you. And the travel insurance is second to no other travel TD credit card.
featured
TD Aeroplan Visa Infinite Card
Annual fee: $139 (waived first year)
Welcome offer: Earn up to $1,300 in value, including up to 40,000 Aeroplan points and no annual fee for the first year. Conditions apply.
Card details
| Interest rates | 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | Personal income of $60,000 or household income of $100,000 |
| Credit score | 680 or higher (recommended) |
| Point value | Aeroplan points are worth $0.02 on average |
Pros
- Receive Air Canada perks, including: preferred pricing on travel redemptions, savings on baggage fees, and you could extend these benefits to up to 8 travel companions.
- Comes with a robust insurance package that includes up to $2 million in coverage for up to 21 days.
- Cardholders can get a rebate on NEXUS fees every two years.
- Get closer to Aeroplan elite status by earning Aeroplan Miles on your everyday purchases (can be used for seat upgrades and more).
Cons
- You can only redeem rewards through Aeroplan partner airlines (includes Air Canada, United, and others), which might limit your options for airlines and/or destinations.
- While lucrative, Aeroplan isn’t exactly the simplest travel points programs to grasp, so it may not be the right fit for anyone who would get frustrated with fluctuating redemption values, which can change based on a destination, time of travel and so on.
Best no-fee cash back credit card
If you want to earn cash back but don’t want to pay an annual fee, consider the TD Cash Back Visa. Know, though, that the perks are lean—expect purchase security and extended warranty—but like other TD cards, your cash back rewards never expire, and you can redeem this money whenever you want.
MoneySense editor insights: This TD credit card had our editors at “no annual fee”—many other cards from TD come with a $139 price tag. And typically cash-back cards (even outside of the TD suite) have an annual fee. So we like that this has the best of both: No annual feel and cash-back rewards. For a breakdown of the rewards see below.
Card details
| Interest rates | 19.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers |
| Income required | None specified |
| Credit score | 640 or higher (recommended) |
Best student credit card
It’s not common to find rewards cards without an annual fee, and even less so with a solid rewards earn rate. The TD Rewards Visa Card offers a great entry point for students on a budget.
MoneySense editor insights: If you’re applying for your first-ever credit card then this no-fee rewards card is good for students wanting to use a TD card. You might as well earn reward points from your grocery and bookstore hauls.
featured
TD Rewards Visa Card
Annual fee: $0
Welcome offer: Earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no annual fee. Conditions apply.
Card details
| Interest rates | 19.99% on purchases, 22.99% on cash advances and 22.99% on balance transfers This offer is not available for residents of Quebec. |
| Income required | None specified |
| Credit score | 640 or higher (recommended) |
| Point value | . |
Best low-interest credit card
If you need to finance a big purchase, have an unexpected expense, or just want to score an ultra-low interest rate, this TD credit card is a pretty good option.
MoneySense editor insights: The typical interest rate on credit cards in Canada is around 20%. This card’s rate is editor-approved!
featured
TD Low Rate Visa Card
Annual fee: $25
Low interest rate: 12.90% on purchases (13.90% for Quebec residents)
Welcome offer: None at this time.
Card details
| Interest rates | 12.90% on cash advances (13.90% for Quebec residents), 0% on balance transfers (13.90% for Quebec residents) |
| Income required | None specified |
| Credit score | 640 or higher (recommended) |
What’s new with TD credit cards?
TD credit card holders just got a few new perks—one which Jays fans will cheer for. Score one for TD.
TD Bank announced fan perks for eligible card holders for the 2025 Blue Jays regular season home games at Rogers Centre, until Sept. 28, 2025. Here’s what they get:
- 10% statement credit on eligible food and drink purchases at Rogers Centre
- Priority line at Gate 6
- Ballpark experiences, including Cricket Day at the Park (May 31), Pride Night (June 20) and Fan Appreciation Weekend (Sept. 26 to 28).
TD All-Inclusive Banking Plan
TD’s All-Inclusive Banking Plan is a premium bank account that offers top-tier services and valuable discounts, some of which reward those carrying select TD credit cards. For example, All-Inclusive Banking Plan account holders receive an annual fee waiver when they sign up for certain TD credit cards for both the primary and one additional card holder—for as long as they carry the account. Just how much can you save? A bundle. The TD Cash Back Visa Infinite, for example, costs $139 annually plus $50 for up to one authorized cardholder. The $189 annual savings nicely offsets the account fees while allowing you to leverage the perks associated with your credit card. Eligible cards include the following: TD Aeroplan Visa Infinite, TD Aeroplan Visa Platinum, TD First Class Travel Visa Infinite, TD Platinum Travel Visa, and TD Cash Back Visa Infinite.
Sweetening the pot for account holders, TD rewards with premium chequing account benefits such as unlimited debit transactions and Interac e-Transfers, a small safety deposit box, money orders and personalized and certified cheques—all included. Additionally, there are no TD transaction fees when you use an ATM in Canada, the U.S. or internationally (except for exchange rate fees). Clearly, bundling accounts with the big banks has its perks, including that it keeps things simple.
This premium account does come at a premium price. The monthly fee is $29.95, or $22.45 for seniors. However, for those who can afford to keep $5,000 parked in the account, that fee is rebated, meaning all these perks including the credit card rebates are free. Otherwise, you’ll want to weigh the benefits against the cost. The annual fee comes out to nearly $360 (or almost $270 for seniors) but any credit card rebates would come out of that total.
How to use TD’s cash-back dollars
The TD Cash Back Rewards credit card program lets you redeem on-demand without time restrictions, unlike some other programs that restrict you to once per calendar year. You can redeem once you’ve accumulated $25 (that’s the minimum redeemable amount, too) and your cash-back rewards never expire. The TD program is one of the most flexible cash-back programs out there, though it’s worth mentioning that BMO does have an edge in that you can redeem with as little as $1 in your account.
How to redeem TD travel points
TD Rewards points can be redeemed for a range of gift cards, merchandise and even cash–but they’re first and foremost made for travel redemptions, specifically from the Expedia For TD website. The value of your points varies according to what you redeem them for, and how. We break down the options below:
How much is a TD travel point worth on Expedia For TD
200 TD points = $1
1 TD point = 0.5 cent
You’ll get the very best value from your points when redeeming on ExpediaforTD.com. There, you can put your points toward booking free or discounted travel from Expedia, one of the world’s largest travel search engines and online travel agencies. There are no blackout dates or airline restrictions, and the points values remain consistent no matter how, when or where you’re travelling, making this method a winner for those who don’t want to spend their time deciphering rewards charts.
Book Any Way
250 TD points = $1 on the initial $1,200 of travel booking
1 TD point = 0.4 cent (0.4%)
200 TD points = $1 on any amount that is over $1,200
1 TD point = 0.5 cent (0.5%)
If you don’t want to book through Expedia For TD, you have the flexibility to go elsewhere. That includes buying your tickets as directly from an airline or a travel agency. You can use TD points for virtually anything travel-related including flights, hotels, tours and car rentals. Simply select the Book Any Way option when you redeem your points. The one disadvantage: At 0.4 of a cent per point on the initial $1,200, you’ll get slightly less value than you would on Expedia For TD. This works out to about 25% less value per point.
Redeem points for cash
400 TD point = $1
1 TD point = 0.25 cent (0.25%)
Everybody loves cash, but at 400 points per $1, using your TD points to get it isn’t the best idea. If you want to earn cash with TD, it’s better to go with one of TD’s cash back cards. However, if you’re still looking to turn your points into cash, you can–just know that you need a minimum of 10,000 points.
Redeem points for gift cards
Average 1 TD point = 0.25 cent (0.25%)
There’s a wide variety of gift card options on TDRewards.com, usable toward purchases at retailers including Best Buy, Canadian Tire, Foot Locker, Bed Bath & Beyond, and others. That said, the value of your redemption done this way matches what you’d get when using points for cash back so you’re better off using another method.
Redeem points for merchandise
TD points can be used toward a huge variety of merchandise, from exercise equipment to electronics. Points values on these items vary dramatically but generally will hover between 0.2 and 0.35 of a cent per point.
About TD Aeroplan rewards
Aeroplan launched a program overhaul on November 8, 2020, at which time Aeroplan points will be redeemable for flights based on a redemption chart that breaks up the world into four different travel zones: North America, Atlantic, Pacific and South America. You’ll be able to redeem points for flights on Air Canada, plus more than two dozen Star Alliance members, including Singapore Airlines, Austrian Airlines and United.
TD point values vary depending on where you’re flying to and how popular the route is, but you can use this calculation:
Value of 1 Aeroplan point = (price of ticket – fees) ÷ Aeroplan points needed to redeem
For an example: if a round-trip flight from Toronto to Vancouver has a base fare of $405 and $20 in fees, your formula would look like this:
($405 – $20) ÷ 25,000 TD points = 1.54 cents per 1 Aeroplan point
You can also maximize your points values by adding stopovers, getting baggage fees waived, and so forth.
hgh skin before and after
References:
https://panoptikon.org/user/banjocar77/
As such, many religious Muslims participate in conventional non secular actions corresponding to studying the Quran, giving charity, and attending mosque services. This implies that taking it pre-workout doesn’t present any unique profit. And it thus makes no sense why many complement companies still embrace creatine as part of their pre-workout formulation. You can simply inform you’re selecting the correct creatine supplement when you take a glance at its dietary label. But science additionally reveals that there’s a selected way to make use of it to maximize creatine’s advantages and get financial savings whereas you’re at it. Today, I’ll present you precisely tips on how to use creatine for muscle development in simply 4 easy steps.
You may wonder whether creatine can contribute to weight reduction. Analysis has shown that creatine supplementation might not directly assist fat loss by enhancing exercise performance and enabling larger calorie burn throughout exercises. On the other hand, other research assist the idea of taking creatine after a workout. The rationale right here is that post-workout creatine intake may help replenish depleted creatine stores in muscles, assist in muscle recovery, and promote muscle protein synthesis. This can result in higher muscle development and sooner recovery occasions. Creatine is one of the hottest and well-researched dietary supplements for enhancing muscle power, endurance, and restoration.
Nonetheless, it’s important to remember that creatine https://neurotrauma.world/does-creatine-break-a-fast-no-but-still-dont-take require water for optimal absorption by your muscle tissue. Therefore, it’s really helpful to drink adequate water when taking creatine, ideally outside of your fasting window. Hydrating your self properly will ensure that creatine is effectively absorbed and utilized by your muscular tissues, allowing you to reap its potential benefits. Keep In Mind, staying hydrated is crucial for overall well being and efficiency, whether or not or not you’re fasting. It’s essential to notice that combining creatine and intermittent fasting must be carried out strategically. Be aware of whenever you take creatine dietary supplements to maximise absorption and utilization. It’s also critical to guarantee you’re consuming a enough quantity of protein during your feeding windows to assist muscle growth and recovery.
Most pre-workouts obtainable on the market have some form of creatine complement or creatine monohydrate in them. It may be taken either pre-workout or post-workout to help your body recuperate quicker from an intense workout session. By boosting ATP availability, creatine enhances strength and energy output throughout workouts. This leads to improved performance in resistance coaching, sprinting, and different explosive movements, making it popular among athletes and gym-goers.
It is the responsibility of you and your healthcare suppliers to make all choices relating to your health. Bulletproof recommends that you consult together with your healthcare providers relating to the analysis and treatment of any disease or condition. All that to say, you want to be aware when supplementing as a outcome of some of them will break your quick and kick you out of ketosis. Others won’t necessarily break your fast—but they aren’t meant to be taken on an empty stomach. Yes, creatine could be taken on an empty stomach and is mostly well-tolerated during fasting durations.
Individuals have practiced fasting for millennia for religious, moral, or well being reasons. In order for a complement to break a fast, it has to elicit an insulin response, which subsequently causes blood sugar to rise and can halt autophagy and kick you out of a fasted state. Creatine has been proven to improve muscle strength and endurance, which could be especially helpful for working out while intermittent fasting. Sadly, there is no particular type of creatine beneficial for people who are intermittent fasting.
By taking creatine throughout intermittent fasting intervals, you presumably can enhance muscle mass, energy, and endurance. Moreover, fasting can help your body burn fats for gas, resulting in improved physique composition over time. Tailoring the timing of your creatine consumption to complement your fasting and workout schedule is key to reaching the best possible outcomes from both practices. Creatine, on the other hand, is a naturally occurring compound in the body that plays a crucial function in energy production, notably for brief bursts of high-intensity actions. It’s stored within the muscles and used to provide ATP (adenosine triphosphate), the first vitality service in cells. Creatine supplementation is popular for enhancing physical performance, rising strength, and supporting muscle recovery. Importantly, creatine itself incorporates no calories and doesn’t immediately affect glucose or hormone ranges in the bloodstream.
Once you begin consuming once more, you’ll likely regain any weight that you have lost. Nevertheless, water fasting can be a great tool for jumpstarting your weight loss journey or for helping you break via a weight loss plateau. So in case you are an elderly particular person trying to gain strength and fitness, supplementing with creatine could also be an excellent possibility for you. In Addition To enhancing bodily health, creatine has additionally been confirmed to spice up cognitive talents in getting older individuals by growing their memory recall and psychological focus. It is essential to notice that extra research needs to be accomplished on the consequences of creatine on aged people, but it appears that this could be a useful supplement for them. Meticulously crafted, it offers users a micronized type of creatine monohydrate, specifically designed for optimum solubility and fast absorption by the muscles. Via a micronization process, Trumeta Creatine breaks down creatine particles into smaller sizes, growing their floor area and bettering their capability to dissolve in liquid.
It Is finest to cease taking creatine two weeks before surgery since it’d affect blood clotting and cause additional bleeding. All The Time tell your surgeon and anesthesiologist about any dietary supplements you utilize. Avoid drinks with sugar, fake sweeteners, or something caloric that would spike your insulin and finish your quick. These pure drinks are your greatest guess for staying hydrated whereas fasting.
A variety of medical specialists recommend preserving doses to a minimal, offering supplemental vitamins in the type of additional protein or micronutrients by way of a balanced diet. Moreover, faith cautions in opposition to overindulgence and means that any decisions one makes, including taking dietary supplements, must be made with moderation. When it comes to fueling your workouts, it’s best to refuel with dates immediately after breaking your fast. This helps replenish the glucose ranges of your muscular tissues rapidly and allow for better performance. Combining high-carbohydrate meals with simple proteins or complicated carbohydrates may even improve glycogen reserves, aiding in your post-workout restoration. Creatine does not induce a direct insulin response as it isn’t a carbohydrate.
best dianabol cycle
References:
https://hedgedoc.digillab.uni-augsburg.de/alm6Q7JLQomG4BJLrd2Dng/
dianabol and anavar cycle
test e and dianabol cycle
sustanon deca dianabol cycle
test e and dianabol cycle
dianabol and testosterone cycle
how to cycle dianabol
winstrol dianabol cycle
dianabol cycle dosage
steroid dianabol cycle
dianabol stack cycle
dianabol pct cycle
dianabol cycle chart
http://malvar.ru/user/coltpoet6/
best dianabol cycle
post cycle therapy for dianabol
dianabol and testosterone cycle for beginners
sustanon and dianabol cycle
dianabol and deca cycle
dianabol primobolan cycle
dianabol primobolan cycle
how long is a dianabol cycle
Hello just wanted to give you a brief heads up and let you know a few of the
images aren’t loading properly. I’m not sure why but I think its a linking issue.
I’ve tried it in two different internet browsers and
both show the same outcome.
This is really interesting, You are a very skilled blogger.
I’ve joined your rss feed and look forward to seeking more off your fantastic post.
Also, I’ve shared your web site in my social networks! https://Bookofdead34.wordpress.com/
Iam curious to find out what blog platform you happen to be working with?
I’m experiencing some small security problems with my latest website and I’d liie to find sojething more risk-free.
Do you have any recommendations? https://Volunteeri.com/companies/tonebet-casino/
Heya i am for the first time here. I found this board and I too find It truhly uweful & it helped me out a lot.
I hope to give something back and aid others such as you aided
me. https://www.0332.ua/list/530662
I every time used to read post in news papers but nnow as I am a user of
web so from now I am using net for articles or reviews, thanks tto web. https://anotepad.com/note/read/8wigrj47
I lve your blog.. very nice colors & theme. Did you design thjis website yourself or did you hire
someone to do itt for you? Plz reply as I’m looking to design my own blog aand would like to know where u got this from.
appreciate it https://azurslotgames.bcz.com/azurslot-games/
Forr latest information you have to visit internet and on web I found this web page as a best web
site for latest updates. https://Azurslot.Jimdofree.com/
Have you ever thougt about publishing an e-book
orr guest authoring on other websites? I have a blog centered on the same ideas youu discuss and would love to have
you share some stories/information. I know my viewers would enjoy your work.
If you are evenn remotely interested, feel free too sednd me an e mail. https://Writeablog.net/5xa1u0vfdh
Have you ever considered publishing an e-book or guest authoring on other sites?
I have a blog centered on the same information you
discuss and would really like to have you share some stories/information. I know my visitors would enjoy your
work. If you are even remotely interested, feel free to send me
an e-mail. https://Justpaste.it/azurslottrustedcasino
If some one wishes expert view regarding running a blog
then i advise him/her to go to see thjis web site, Keep
up thee good job. https://Zenwriting.net/4enc6hyz2j
I’m extremely impressed along with your writing
talents and also with the struture on your weblog.
Is that this a paid subject matter or did you modify itt yourself?
Either way stay up the excellent high quality writing,
it’s rare to look a great blog like this one these days.. https://Anotepad.com/note/read/a9rbd6xm
Hello everyone, it’s my first paay a quick visit att this web site,
and articlle is truly fryitful designed for me,
keep up posting these types of posts. https://telegra.ph/Azurslot-Online-Casino-09-02
I have been exploring for a little bit for aany high quality articles orr weblog posts in this sort of house .
Explloring in Yahoo I at last stumbled upon this web site.
Studying this info So i am happy to express that I havee a very excellent uncanny feeling I
came upon just what I needed. I such a lot definitely will
make certain to do not forget this site and provides it a glance regularly. https://Writeablog.net/w6b3lu0q19
does oral ipamorelin work
References:
cjc 1295 ipamorelin blend dosage for weight loss – https://lustlinjen.com/@bernardoy1728,
does ipamorelin increase testosterone
References:
http://passfun.awardspace.us/index.php?action=profile&u=149683
ipamorelin women reviews
References:
https://kupido.kosari.net/@valentinasteph
cjc-295/ipamorelin
References:
Cjc 1295 dac Ipamorelin dosage (https://teachanycountry.com/employer/ipamorelin-cjc-1295-before-and-after-results-cycle/)