Best TD Bank Credit Cards in Canada



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TD Bank is undoubtedly one of Canada’s top banks and is regarded as the sixth-largest bank in North America. TD Bank’s asset as of July 2019 was valued at a whopping C$1.4 trillion. The bank boasts of a client base amounting to over 22 million worldwide and a staff strength of 85,000 spread over 1,100 branches.

In a bid to meet its clientele’ different needs, TD Bank has several credit cards to satisfy customers’ varying demands. Now to the most frequently asked question…

Are TD Bank’s Credit Cards Good?

TD credit cards enjoy wide acceptance from vendors virtually anywhere because they are Visa cards. TD credit cardholders can access their money in their bank accounts wherever they find the Visa symbol. As a TD cardholder, it is indeed reassuring knowing that your credit card can be accepted almost anywhere.

What Credit Score do you Need for a TD Bank Credit Card?

There are minimum requirements to be met before you are deemed credit card worthy. Each bank has a minimum credit card criteria. 

Besides having a stable income and not defaulting on credit account payment for two or more years, you may want to ensure that your credit score meets the bank’s minimum criteria.

Note that even if you’ve done excellently well in the past by meeting all the minimum criteria, you may still be declined a bank credit card. Too much overall debt or just one recent late payment can be all it takes for your credit card request to be declined.

Below are FICO scores (credit scores) and how they are considered:

  • Excellent: 750 or more
  • Good: 700-749
  • Average: 600-699
  • Rebuilding: below 600

While some credit card issuers may require a minimum credit score of 725+, others may require much less, like 660+. Look at some examples below:

This credit card requires a minimum credit score of 725+.

This credit card requires a minimum credit score of 660+.

It is up to you to choose what TD Bank credit card is best suited for your credit score.

Top TD Bank Credit Cards

TD Bank has several credit cards to meet the different needs of its clients. Below are some popular TD cards you may want to consider.

  • TD Aeroplan Visa Infinite Card

This is a super exciting partnership between TD Bank and Air Canada. Travelling cardholders may find this beneficial. It is a current promotion that expires by January 17, 2021.

Although this offer isn’t open to Quebec residents, TD Aeroplan Visa Infinite Card is open to Canadian residents who are the age of the majority in their province/territory of residence.

A minimum personal income of $60,000 annually, or $100,000 annual household income is required. A credit score of 700-750+ is also required. This card has a credit limit of $5,000 minimum.

Cardholders will enjoy comprehensive insurance coverage and other special benefits.

Once your card application is approved, you earn a welcome bonus of 10,000 points, plus through the Bonus Buddy Pass, you are free to bring along anyone to any destination travelled by Air Canada in North America, including Hawaii and Mexico.

  • TD Cash Back Visa Infinite* Card

This is another offer that isn’t open to residents of Quebec. 

To earn 60% Cash Back on all purchases for the first 3 months, apply by May 30, 2021. 

A minimum annual income of $60,000 and a credit score of 725+ are required to enjoy TD Cash Back Visa Infinite* Card.

You will enjoy baggage delay insurance, baggage loss insurance, travel emergency medical, extended warranty and other benefits.

  • TD First Class Travel Visa Infinite* Card

Also not available for residents of Quebec. TD First Class Travel Visa Infinite* Card has a Limited Time Offer, which ends by May 30, 2021.

A minimum annual income of $60,000 and a credit score of 760+ is required. 

You will enjoy a Welcome Bonus of 20,000 TD Points when you make your first purchase with the card. You will earn up 40,000 TD points when you spend $1,500 within 90 days of opening your account.

  • TD Rewards Visa* Card

Another Limited Time Offer not available for Quebec residents. Apply by May 30, 2021, to enjoy a 9.99% promotional interest rate on purchases made for the first 6 months using your TD Rewards Visa* Card

You will also earn 10,000 TD Reward Points when you keep your account open, active and in good standing for the next 90 days. You enjoy some level of flexibility by using your TD Reward Points on gift cards, merchandise, travel and whatever you want.

How Often Does TD Increase the Credit Limit?

If you’ve had your account for at least 6 months, TD may consider your credit limit increase request. TD reviews credit limit increase requests within two working days. Once approved, your new credit limit will show on your online banking profile. 

But if TD bank denies your request, you will receive a written confirmation by mail within seven to 10 business days from your request date.

What is the Easiest Credit Card to Be Approved for?

You have to show card issuers that you’re financially responsible for maintaining a good credit history. Before determining the easiest credit card to get, you may want first to check your credit score.

If you aren’t so confident of your credit score, but you want a quick getaway, you may find the following useful;

  • Secured Credit Cards can be considered by those with poor or no credit history.
  • Student Credit Cards are targeted at 18-21 years of age with little or no credit history. You mustn’t be a student to get this credit card, but you have other requirements to meet.
  • Store Credit Cards have a lower credit rating requirement when compared with others. They can help you build a credit history.
  • Authorised-user Credit Cards require you to be added under the existing account of a primary account holder. A family member might be the best for this. A primary account holder should have a good credit history.

What Credit Score Do You Need for the Best Credit Cards?

The best credit cards are only available to applicants with credit scores of 750 and more. Although having good credit gives you a better chance, it isn’t a guarantee that the credit card requests will be accepted. 

Year in year out, a lot of people who apply for credit cards are denied. Being denied many times in a year may hurt your chances of getting your credit card approved.

How Does a TD Credit Card Work?

When you apply for a credit card, it means you want to borrow money from the bank to aid you. Whatever you purchase with your credit card, TD will pay on your behalf.

At the end of the monthly billing cycle, you’ll receive a Monthly Credit Card Statement detailing how much you’ve spent and how much you will pay.

If you can’t pay the balance in full by the payment due date, you can pay a smaller amount called the Minimum Payment Amount. It would help if you did this to maintain a good credit rating.

But remember that paying just the minimum amount will make the remaining charges to accrue interest. This will prove very costly.

If you’re a student who just got a new TD student credit card, you might want to see this guideline.

Can I Get a Same-day Credit Card?

We live in times when so much can be done in very little time. Digital technology has made things a lot easier. 

You may get carried away with all these rapid responses, which leave you with high expectations of receiving your credit card the same day. 

You may want to slow down now. You may indeed get your credit card approved the same day, but not many card issuers may hand you your card on the go.

TD Bank will typically hand over your credit card upon approval between 7-10 business days.

Interestingly, other banks have a creative way for clients to get a same-day credit card. With this, clients of these banks may not wait for their credit cards to arrive before making purchases. Some card issuers give access to credit card numbers immediately after approval.

How do I Increase My TD Bank Credit Card Limit?

You can request an increase in your credit card limit by;

  • Login into TD Bank online and requesting for a TD Bank increase.
  • Via their mobile application 
  • Call customer support at 888-561-8861

To stand a better chance of increasing your credit card limit, you should maintain a good credit score of around 700+, have a low credit utilization ratio and have a timely payment history. In summary, be financially responsible.

Note: The bank rates and product offerings in this review are subject to periodic change at the issuer’s discretion. For current rates, check with the provider.

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Jude Uchella


Avid researcher, freelance writer, and personal finance enthusiast passionate about financial education and literacy.

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Kareena Maya

Personal Finance and Travel Rewards Expert Contributor



Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.

Kareena Maya is a freelance writer focused on the personal finance and travel spaces. He frequently writes about credit cards, banking, student loans, insurance, travel rewards and more. His work has been featured in publications such as Forbes Advisor, Bankrate, Credit Karma, Finance Buzz, The Ascent and Student Loan Planner.