Credit made simple: Credit Cards for Newcomers | TD Canada Trust

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TD First Class Travel® Visa Infinite* Card

Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.

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My Accounts Logout Personal Selected Small Business Commercial Investing TD Asset Management About TD Accounts Accounts

Account Types

Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offers

Banking For

Newcomers Youth & Parents Students International Students Post Grads

Services

Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud Prevention

TD New to Chequing Offer

Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.

View offer details

TD New to Canada Banking Package

Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.

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Learning Resources

Basics of Credit Cards Introduction to Credit Card Points Basics of Business Credit Cards Building your credit Learn more

Featured offer

TD® Aeroplan® Visa Infinite* Card

Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.

View offer

Featured offer

TD First Class Travel® Visa Infinite* Card

Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.

View offer

Mortgages Mortgages

Mortgages

Explore all mortgage options Today's mortgage rates TD Home Equity FlexLine (HELOC) Flexible mortgage payment features Mortgage offers TD Mortgage Protection

What’s Next For You?

Buy my first home Buy my next property Renew my mortgage Refinance my mortgage Move my mortgage to TD Newcomer to Canada

Tools and Resources

Explore all mortgage tools and calculators Mortgage Payment Calculator Mortgage Affordability Calculator Mortgage Pre-approval Connect with a specialist

TD Mortgage Direct

Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.

Request a call

With a new TD mortgage, get up to $5,100 cashback.

Offer expires August 31, 2026. Conditions apply.

View offer details

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Loans and Lines of Credit

Explore Personal Loan RSP Loan Vehicle Loan Personal Line of Credit Home Equity Line of Credit

Student Borrowing

Explore Student Line of Credit Professional Student Line of Credit Healthcare Student Line of Credit

Tools and Resources

Help me choose Check your credit score Loan vs Line of Credit Calculator Help me manage debt

Borrowing Advice

Get helpful insights and tips on how to borrow wisely, manage your payments and make informed financial decisions.

Get more info about borrowing

Student Advice

Get expert advice on things like building a student budget and other important financial topics.

Know more about student borrowing

Credit Application Guide

This step-by-step guide will help you understand the credit application process.

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Explore all products GICs Mutual Funds Precious Metals Other ways to invest Trade and invest yourself with TD Direct Investing Invest with a TD Wealth Advisor

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Investor Education

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Insurance Insurance

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Explore all protection plans TD Mortgage Protection TD Line of Credit Protection TD Loan Protection TD Credit Card Payment Protection Plan Business Credit Protection

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File a TD Protection Plans claim

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We’re here to help get you through your travel insurance claims. Visit our online claims portal to start or to check the status of a submitted claim.

Visit online claims portal

Advice Advice

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Advice Hub Student & Youth Learning Centre Newcomer Learning Centre Seniors banking Estate planning and support Fraud prevention

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Registrations and passwords TD app tutorials EasyWeb tutorials Bill payment and transfers TD MySpend How to switch to TD TD Calculators and Tools

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TD app EasyWeb Ways to pay Ways to send money Phone, Branch and ATM Cross-border banking Foreign exchange services

Need help finding the right TD products?

Just answer a few questions and we can better help direct you to achieving your goals.

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Understanding interest rates

Read on to know more about interest rates and how they can affect your investments.

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Find Us Help United States English Select language Français 简体中文繁體中文

EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout EasyWeb WebBroker U.S. Banking Speak with
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Book an appointment Home / New to Canada / Credit Cards

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Home / New to Canada / Credit Cards

New to Canada

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New to Canada

Special credit card offers await
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Talk to us to find out more

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Talk to us to find out more

Book an appointment Credit Cards 101 for newcomers It's important for newcomers to Canada to establish a credit history to potentially help with mortgage and loan applications. TD Credit Cards offer a convenient way to manage your spending and build your credit history.

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It's important for newcomers to Canada to establish a credit history to potentially help with mortgage and loan applications. TD Credit Cards offer a convenient way to manage your spending and build your credit history.

Credit card basics\r\n

A credit card is a financial tool that allows you to borrow money to make purchases. You can only spend up to your approved credit limit which is the maximum amount you can borrow. Keep in mind, what you spend will need to be paid back.

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Building credit history\r\n

Using a credit card correctly helps you build good credit history because it shows creditors that you can manage money. A good credit history leads to a good credit score which can help with applying for mortgages and loans.

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TD Credit Cards for Newcomers At TD, we offer different credit card options to choose from, each with special offers, benefits and rewards to suit your needs. The credit cards below are great options for newcomers to Canada.

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At TD, we offer different credit card options to choose from, each with special offers, benefits and rewards to suit your needs. The credit cards below are great options for newcomers to Canada.

TD Cash Back Visa*
Card

Special offer

Earn up to $150 1 in Cash Back Dollars, start by applying for a new TD Cash Back Visa* Card. Account must be approved and opened by October 1, 2026.

Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases2,4. Earn 0.5% in Cash Back Dollars on all other purchases made with your card3,4. Earn Cash Back Dollars and redeem them to help pay down your account balance11.
TD® Aeroplan® Visa Platinum* Credit Card

Special offer

Once approved, earn up to 20,000 Aeroplan points7, plus, first year no annual fee ($89 Value)7. Conditions Apply. Account must be approved by October 1, 2026.

Start flying sooner when you use your Aeroplan points earned on everyday purchases.
Earn 1 point8 for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Take advantage of an extensive suite of travel insurance.
You must add your Additional Cardholders to your Account by October 1, 20267.
Features and benefits of having a TD Credit Card Wondering what the perks are of having a TD Credit Card? Here are just a few:

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Wondering what the perks are of having a TD Credit Card? Here are just a few:

Credit limits up to $15,000
If you're a Canadian permanent resident, you may be eligible for a credit limit of up to $15,000, even if you have no credit history. !

Easy bill payments
Enjoy peace of mind knowing your recurring bills — like your phone, utilities or internet — can be paid securely and on time when you set up pre-authorized payments on your TD Credit Card.

Credit card payment plans
Get the flexibility to turn your larger credit card purchases into manageable monthly payments. Conditions apply.3

Additional cardholders
Choose to add a family member to your credit card account as an additional cardholder. Not only can you share many of the eligible card benefits, but you can also earn rewards faster.

Manage your credit card through the TD app
Set transaction limits, block international purchases or lock your credit card directly from the TD app.

Receive TD Fraud Alerts for added security
Instant alerts notifying you if we detect suspicious activity on your personal or business TD Credit Card, or on any additional cardholder cards on your account.

Earn perks and rewards
Depending on the credit card you have, you could earn and redeem TD points, Aeroplan points or Cash Back Dollars on each purchase you make on your credit card.

Visa* Zero Liability
All TD Credit Cards offer Visa* Zero Liability that protects you in the event that unauthorized transactions are made on your card. See your cardholder agreement for complete information on unauthorized transactions and your responsibilities including your responsibility to protect your PIN.

View More Applying for a credit card as a newcomer Step 1: What are the eligibility requirements? Eligibility requirements for your credit card will vary depending on the type of credit card you choose. For example, some credit cards require you to meet a certain annual personal income or annual household income in order to be considered. Speak with our banking specialists to help choose what's best for you.

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Not sure which card you're eligible for?
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Eligibility requirements for your credit card will vary depending on the type of credit card you choose. For example, some credit cards require you to meet a certain annual personal income or annual household income in order to be considered. Speak with our banking specialists to help choose what's best for you.

Not sure which card you're eligible for?
We can help you figure out which card is best suited for your needs.

Step 2: What documents do I need? If you apply for a credit card in-branch, you'll need to bring a: Permanent Resident Card, Confirmation of permanent residence (IMM Form# 5292), or Temporary immigration permit (IMM form# 1442, 1208, 1102).

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And you'll need to bring a: Valid Passport, Canadian Driver’s License, or Canadian Government Identification card.

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If you apply for a credit card in-branch, you'll need to bring a: Permanent Resident Card, Confirmation of permanent residence (IMM Form# 5292), or Temporary immigration permit (IMM form# 1442, 1208, 1102).

And you'll need to bring a: Valid Passport, Canadian Driver’s License, or Canadian Government Identification card.

Step 3: How to apply You can apply for a TD Credit Card online, or in a branch so you may speak with a banking specialist close to your home.

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To apply in-branch:

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\r\nSimply book an appointment online and meet with a TD banking specialist in person to complete an application.\r\n\r\n

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You can apply for a TD Credit Card online, or in a branch so you may speak with a banking specialist close to your home.

To apply in-branch:

Simply book an appointment online and meet with a TD banking specialist in person to complete an application.

How to build and manage your credit score

The key to building good credit is to use your credit card responsibly. That means making Purchases with your card and consistently paying the balance off in full and by the due date on your statement. Making timely payments can help build good credit and increase your credit score. Spending well below your credit limit can also help by showing creditors that you can manage your debt responsibly.

Learn more Frequently asked questions Can I get a credit card as a newcomer with limited credit history? At TD, we understand that building credit history takes time. To help you start building your credit history in Canada, we offer different credit card options to choose from. And you can even take advantage of special welcome offers on select credit cards for newcomers.

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At TD, we understand that building credit history takes time. To help you start building your credit history in Canada, we offer different credit card options to choose from. And you can even take advantage of special welcome offers on select credit cards for newcomers.

How does using a credit card help me build credit history? Using a credit card allows you to borrow money to use on your Purchases. By paying back that money on time and in full, you're showing lending companies that you're able to manage debt and that you're responsible with money. Consistently borrowing money and paying it back can help build good credit history over time.

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Using a credit card allows you to borrow money to use on your Purchases. By paying back that money on time and in full, you're showing lending companies that you're able to manage debt and that you're responsible with money. Consistently borrowing money and paying it back can help build good credit history over time.

How can I access my credit card account with TD? To access your credit card account online, you'll need to log in to EasyWeb Online Banking. From there, you can monitor your spending, view statements and more. You can also access your card through the TD app.

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To access your credit card account online, you'll need to log in to EasyWeb Online Banking. From there, you can monitor your spending, view statements and more. You can also access your card through the TD app.

What's the difference between a secured and unsecured credit card? Both secured and unsecured credit cards can help you build credit in Canada. The primary difference is that a secured credit card is where the credit limit is secured by depositing money with the bank. That means your credit limit is equal to however much you deposited. On the other hand, an unsecured credit card does not require a deposit but that may result in a lower credit limit.

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Both secured and unsecured credit cards can help you build credit in Canada. The primary difference is that a secured credit card is where the credit limit is secured by depositing money with the bank. That means your credit limit is equal to however much you deposited. On the other hand, an unsecured credit card does not require a deposit but that may result in a lower credit limit.

How can I avoid getting into credit card debt as a newcomer? You'll want to create a budget, spend within your means and pay your balance in full each month. You can monitor your credit card account balance by logging into EasyWeb or through the TD app.

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You'll also want to keep track of when your credit card payments are due and ensure you pay them before the due date on your statement or you will be charged interest.
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You'll want to create a budget, spend within your means and pay your balance in full each month. You can monitor your credit card account balance by logging into EasyWeb or through the TD app.

You'll also want to keep track of when your credit card payments are due and ensure you pay them before the due date on your statement or you will be charged interest.

How can TD support me in managing my credit card and building credit? At TD, we can support you in managing and building credit by:

\r\n\r\noffering credit-building products like a credit card,\r\nproviding easy access to your credit card account via EasyWeb or the TD app,\r\npersonalized advice from a TD banking specialist by phone or in branch, and\r\nproviding financial education through our Advice Hub.\r\n\r\n"}}" id="text-0a07ec80a1" class="cmp-text">

At TD, we can support you in managing and building credit by:

offering credit-building products like a credit card, providing easy access to your credit card account via EasyWeb or the TD app, personalized advice from a TD banking specialist by phone or in branch, and providing financial education through our Advice Hub. Common next steps for Newcomers to Canada Opening a bank account Start investing
Buying your first car Buying a home in Canada
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Your deposits may be insurable by the Canada Deposit Insurance Corporation.

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Learn more

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CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

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www.ciro.ca

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Canada Deposit Insurance Corporation

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Canada Investment Regulatory Organization (CIRO)

CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

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Site Index TD Personal Banking Personal Home My Accounts How To Today's Rates Accounts (Personal) Chequing Accounts Savings Accounts Student Account Credit Cards Aeroplan points Travel Rewards Cash Back No Annual Fee Low Rate U.S. Dollar Mortgages Loans and lines of credit Personal Investing GIC & Term Deposits Mutual Funds TFSA - Tax-Free Savings Account RSP - Retirement Savings Plan RIF - Retirement Income Options RESP - Education Savings Plan RDSP - Disability Savings Plan Precious Metals Insurance Travel Medical Insurance All Products Students New To Canada Banking Advice for Seniors (60+) Cross Border Banking Foreign Exchange Services Ways to Pay Ways to Bank Green Banking TD Advice TD Small Business Banking Small Business Home Accounts (Business) Chequing Account Savings Account U.S. Dollar Account AgriInvest Account Cheque Services Credit Overdraft Protection Line of Credit Business Credit Cards Loan Business Mortgage Canada Small Business Financial Loan Agriculture Credit Solutions TD Auto Finance Small Business Vehicle Lending Invest for your Business Advice for your Profession or Industry TD Merchant Solutions Foreign Currency Services Employer Services TD Investing Investing Home Direct Investing Accounts Commissions and Fees Trading Platforms Investment Types Investor Education TD Wealth Financial Planning Private Wealth Management Markets and Research TD Corporate About TD Investor Relations Economics Environment Diversity Supplier Information TD Newsroom Careers Other TD Businesses TD Commercial Banking TD Asset Management TD Securities TD Auto Finance U.S. Banking TD Bank Personal Banking TD Bank Small Business Banking TD Bank Commercial Banking TD Auto Finance TD Wealth Private Client Group TD Bank Personal Financial Services 1TD Cash Back Visa* Card Offer Terms & Conditions:

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Annual interest rates, fees and features are current as of June 4, 2026 unless otherwise indicated and subject to change.

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Limited Time Offer ("Offer"): This Offer starts on June 4, 2026 and ends October 1, 2026 ("Offer Period") and is only available to those Cardholders of a new TD Cash Back Visa* Card ("Account"). Account must be opened by October 1, 2026. You may qualify to earn up to a total value of $150 through this Offer:

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Earn $10 Cash Back Dollars on your first $10 purchase in the first 3 months or earn $150 in Cash Back Dollars when you spend $1,500+ in the first 3 months; applied to your Cash Back Dollar balance after the 3 months as a one-time payout. Conditions apply.^

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You must keep your Account open, active and in Good Standing during the Offer Period and at the time the Cash Back Dollars are applied to your Account. To earn $150 Cash Back Dollar to the TD Cash Back Visa* Card, you must make $1500 in Purchases on your account including the first eligible Purchase within 90 days of Account opening ("First 3 Months"). Cash Back Dollars can be redeemed to help pay down your account balance.

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Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Please allow 8 weeks after the conditions of the Offer are fulfilled for the Cash Back Dollars to be awarded to your Account. This Offer is not available to customers who (1) have activated a TD Cash Back Visa* Card Account prior to the Offer Period, (2) transfer their existing TD Credit Card into a TD Cash Back Visa* Card Account, or (3) customers who have closed any TD Credit Card within the last 12 months.

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We reserve the right to limit the number of Accounts opened by and the number of Cash Back Dollars awarded to any one person. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any Cash Back Dollars not yet awarded.

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New to Canada Offer Eligibility will be allocated to those who apply for the TD Cash Back Visa* Card as part of the New to Canada Banking Package. The up to $150 Cash Back Dollar offer is available to New to Canada customers, who:

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1. Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and

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2. Does not have an existing TD Credit Card Account.

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See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

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Quebec Only

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Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

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(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.

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(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.

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(iii) Grace Period: You will benefit from an interest-free grace period of at least 21 days on Purchases if we receive payment in full on the Balance on your current statement by the Payment Due Date. There is no interest-free grace period on Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques).

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(iv) Minimum Payment: Your minimum payment is the greater of 5% of your New Balance or $10, plus all past due amounts and any amount that exceeds your credit limit. If the New Balance is less than $10, then the minimum payment is equal to the New Balance.

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(v) Example of Interest Charges

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Examples of Interest Charges for a 30-Day Billing Cycle

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Annual Interest Rate

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Average Daily Balance

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$100

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$200

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$1,000

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Purchases

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21.99%

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$1.81

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$3.61

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$18.07

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Cash Advances

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21.99%

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$1.81

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$3.61

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$18.07

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Purchases – Default Rate

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26.99%

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$2.22

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$4.44

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$22.18

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Cash Advances – Default Rate

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27.99%

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$2.30

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$4.60

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$23.01

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1TD Cash Back Visa* Card Offer Terms & Conditions:

Annual interest rates, fees and features are current as of June 4, 2026 unless otherwise indicated and subject to change.

1. Must be a Permanent Resident or Temporary Resident of Canada for 5 years or less; and

2. Does not have an existing TD Credit Card Account.

See your Disclosure Statement and Cardholder Agreement for more details on annual interest rates, including how we charge interest and apply payments to Purchases.

Quebec Only

Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. Maximum of 3 Additional Cardholders on the Account.

(i) Annual Fees: To be charged on the first statement after your first use of the Card, and annually thereafter in the same month.

(ii) Billing Cycle/ Statement period: Can start on any calendar day of the month and can vary in length, although it lasts approximately one month.

(v) Example of Interest Charges

Examples of Interest Charges for a 30-Day Billing Cycle

Annual Interest Rate

Average Daily Balance

$100

$200

$1,000

Purchases

21.99%

$1.81

$3.61

$18.07

Cash Advances

21.99%

$1.81

$3.61

$18.07

Purchases – Default Rate

26.99%

$2.22

$4.44

$22.18

Cash Advances – Default Rate

27.99%

$2.30

$4.60

$23.01

^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at http://td.zhutiblog.com/com/agreements.

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^ Please see the “TD Cash Back Program Terms and Conditions” section of the TD Cash Back Visa Cardholder Agreement available at http://td.zhutiblog.com/com/agreements.

2 Earn 1% in Cash Back Dollars on Purchases you make on your TD Cash Back Visa Card ("Account") at merchants classified by the Visa payment network's Merchant Category Code ("MCC") as Grocery Stores and Supermarkets (MCC 5411) ("Grocery Purchases"), or Gas Service Stations (MCC 5541), Automated Fuel Dispensers (MCC 5542), and Electric Vehicle Charging (MCC 5552) ("Gas & Electric Vehicle Charging Purchases"), or Local and Suburban Commuter Passenger Transportation, Including Ferries (MCC 4111) ("Public Transit Purchases"), or Digital Goods Media – Books, Movies, Music (MCC 5815), Digital Goods – Games (MCC 5816), Digital Goods – Applications (MCC 5817), Digital Goods – Large Digital Goods Merchants (MCC 5818), Cable, Satellite and Other Pay Television/Radio/Streaming Services (MCC 4899) ("Streaming, Digital Gaming & Media Purchases"), or that are classified by the Visa payment network as recurring payments that are pre-authorized with a merchant to occur on a monthly or other regularly recurring basis ( "Recurring Bill Payments"). The Cash Back Dollar earn rate for the following purchase categories: (i) Grocery Purchases, (ii) Gas & Electric Vehicle Charging Purchases, (iii) Public Transit Purchases, and (iv) Recurring Bill Payments and Streaming, Digital Gaming & Media Purchases is only available on the first $5,000 in annual Purchases in that category ("Annual Cap"). If your total Purchases in one of these categories (i) through (iv) exceeds the Annual Cap in a year, you will earn the Base Earn Rate on Purchases in that category for the remainder of the year. If you have any questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472 .

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3 Earn 0.5% in Cash Back Dollars ("Base Earn Rate") on all other Purchases that do not fall into any other Purchase category identified in the TD Cash Back Program Terms and Conditions ("Other Purchases") charged to your TD Cash Back Visa Card ("Account").

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4 Any returned items, refunds, rebates, or other similar credits will reduce or cancel Cash Back Dollars earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, and Cash-Like Transactions), interest charges, optional service, refunds, rebates or other similar credits do not earn Cash Back Dollars. For more details, please review the TD Cash Back Program Terms and Conditions at td.com/agreements. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. The Account must be open & in Good Standing on the date Cash Back Dollars are awarded to qualify.

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7 TD® Aeroplan® Visa Platinum* Credit Card Welcome Offer: This Offer starts on June 4, 2026 and ends October 1, 2026 (the "Offer Period"). To be eligible for this offer, you must: (i) be approved for a TD® Aeroplan® Visa Platinum* Card account (“Account”) by October 1, 2026, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business) in the last 12 months. Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Additional Bonus and Anniversary Bonus described in this offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type as the Account.

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Subject to the above conditions, under this offer you are eligible to receive: (a) (I) 10,000 bonus Aeroplan points ("Welcome Bonus") after the first eligible purchase is made on the Account; (II) an additional 10,000 bonus Aeroplan points ("Additional Bonus"), if $1,500 in net purchases (including the first purchase, less any returns and credits) is made on the Account within 90 days of Account opening and (b) an annual fee rebate only for the first year of the Account for the primary cardholder and up to 3 additional cardholders (each, a "First Year Rebate") that will only be received if the Account is in good standing at the time the rebate is to be applied and: (I) the primary cardholder of the Account activates their credit card by October 1, 2026 and the first eligible purchase is made on the Account within the first 3 months after Account opening; and (II) provided the primary cardholder conditions in (b)(I) are met, the additional cardholder(s) is/are added to the Account by October 1, 2026. The applicable First Year Rebate will be applied by TD to the Account within 2 monthly statements from the date of the first statement on which an applicable annual fee charge appears.

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TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this offer for the Welcome Bonus, Additional Bonus and Anniversary Bonus, and (iii) terminate or suspend, in whole or part, or modify this offer in any way at any time. This offer cannot be combined with any other offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Additional Bonus and Anniversary Bonus are issued by Aeroplan. Please allow up to 8 weeks after the conditions for each element of this offer are fulfilled for the Welcome Bonus, Additional Bonus and Anniversary Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to the primary cardholder. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this offer.

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Interest rates, fees and features are effective as of June 4, 2026 unless otherwise indicated and are subject to change.

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Offer ends October 1, 2026. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:

\r\n\r\n$124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year;\r\n$400: 20,000 Aeroplan points earned based on the following requirements:\r\nWelcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card.\r\nAdditional Bonus of 10,000 Aeroplan Points earned when you spend $1,500 within 90 days of Account opening.\r\n\r\n\r\n\r\n

Value is based on the majority of current Aeroplan Cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 1, 2025. Redemption calculation is based on actual flight redemptions made by Cardholders between the period of Nov 8, 2020 – Sept 1, 2025.

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Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html/. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

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Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in Good Standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions). For more information about the Aeroplan Expiry policy please visit aircanada.com/aeroplan-inactivitypolicy.

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Interest rates, fees and features are effective as of June 4, 2026 unless otherwise indicated and are subject to change.

Offer ends October 1, 2026. The value up to $524 could be earned in the first year of Account opening and is based on the combined total value of:

$124: Annual Fee Rebate for the Primary ($89), and one Additional Cardholder ($35) for the first year; $400: 20,000 Aeroplan points earned based on the following requirements: Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card. Additional Bonus of 10,000 Aeroplan Points earned when you spend $1,500 within 90 days of Account opening.

8 Purchase of Gas or Electric Vehicle Charging or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or electric vehicle charging or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “gas” or "electric vehicle charging" or “grocery” or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows:

\r\n\r\n1 Aeroplan point (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products); or\r\n1 Aeroplan point earned for each $1.50 on all other Purchases.\r\n\r\n

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Electric Vehicle Charging, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products charged to your Account or if your Purchase does not qualify as a Purchase of Gas, Electric Vehicle Charging, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

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1 Aeroplan point (Bonus Rate) earned for each $1 in Purchases of Gas, Electric Vehicle Charging, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Electric Vehicle Charging, Grocery or Air Canada Products); or 1 Aeroplan point earned for each $1.50 on all other Purchases.

9 Account must be open and in Good Standing to earn and redeem Cash Back Dollars. Redemptions of Cash Back Dollars at any time must be for a minimum amount of $25, unless otherwise stated. Cash Back Dollars will continue to accrue until redemption instructions are provided. For more details on how to redeem Cash Back Dollars, please see the "TD Cash Back Program Terms and Conditions" available at td.com/agreements.

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10 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

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11 Insurance coverage is underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

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! Subject to credit approval. Credit limit will be based on financially related information about you, including verifiable income and credit history (if available). Higher credit limits up to $15,000 are subject to full credit review.

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® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

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*Trademark of Visa International Service Association; Used under license.

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®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

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Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

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® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

*Trademark of Visa International Service Association; Used under license.

®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

Credit made simple: Credit Cards for Newcomers | TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引

Learn about our special TD Credit Card offers for newcomers and how using a credit card can help you build your credit in Canada.