Established back in 1852, Toronto-Dominion Bank is one of the major Canadian banks to offer debit, credit, and investment products, along with services such as student, mobile, and online banking and overdraft and foreign exchange services. Credit cards are one of their specialties, with customers enjoying a good selection of secured and unsecured rewards, low interest, no annual fee, and cashback cards. Top choices for TD customers are their TD® Aeroplan® Visa Infinite* Card, TD Cashback Credit Card, and TD Cash Back Visa Infinite* Card.
Customers who get this card are offered a generous bonus of 20,000 miles plus Buddy Pass to bring a companion anywhere onboard Air Canada, including Mexico and Hawaii.
To claim 10,000 bonus points, cardholders need to spend at least $1,000 during the first 90 days. They also get additional 10,000 points with the first purchase. Cardholders also get 1.5 points per $1 on Air Canada flights and grocery and gas purchases. All other purchases earn 1 rewards point. Additional benefits include hotel/motel burglary, travel medical, emergency travel, and trip/flight delay insurance. There are also exclusive benefits such as Visa Infinite Entertainment Access, Visa’s Wine County Program, and 24/7 concierge service.
- Interest rate: 19.99 percent
- Annual fee: $139
- Cash advance rate: 22.99 percent
TD Cashback Credit Card
Also a card with everyday, security, and automotive benefits, TD Cashback Visa has no annual fee and earns cash back on gas and grocery store 
purchases and recurring bill payments. As a cardholder, you will get 1 percent on gas and grocery purchases and 0.5 points on all other purchases.
The card also features automotive benefits such as discounts at Budget Rent a Car and Avid Rent A Car and optional TD Auto Club Membership. Standard security benefits include click to pay, instant alerts, and chip & pin technology.
- Interest rate: 19.99 percent
- Cash advance rate: 22.99 percent
- Annual fee: none
Only Canadian residents of legal age in their province or territory qualify for this card.
TD Cash Back Visa Infinite* Card
As part of their limited time offer, TD allows customers to earn 6 percent back during the first 3 months. After the initial period, holders get 3 percent 
on bill payments and gas and grocery purchases and 1 percent on all other purchases. The card earns cash back as long as the account is in good standing, and there are no rotating categories. Added incentives for cardholders are lost and delayed luggage and travel medical insurance and emergency travel assistance.
- Variable APR: 20.99 percent
- Cash advance fee: 22.99 percent
- Annual fee: $120
- Credit limit: $5,000 minimum
Only customers with $100,000 household or $60,000 personal income qualify for the TD Cash Back Visa Infinite* Card.
TD Rewards Visa Card
This card not only offers rewards points but comes with a low promotional interest rate of 9.99 percent during the first 6 months which makes it a good choice for a balance transfer card. If you have high interest balances, you can use this Visa by Toronto-Dominion to consolidate them. 
There are plenty of added benefits such as Priority Pass Membership Discount, click to pay, and car rental discounts.
Cardholders earn 2 points per $1 on recurring bill payments, fast food and restaurant purchases, and grocery purchases. Booking travel through Expedia earns 3 rewards points while all other purchases get you 1 point. Points can be exchanged for gift cards, merchandise, and travel, including resort excursions, golf fees, and taxes. You can use your points to get a gift card for entertainment, dining, shopping, gas, or groceries. Alternatively, rewards points can be exchanged for merchandise across categories, including food and beverage, fashion, garden and outdoors, and computers and tablets. You can choose from major brands such as AirLoop, Apple, Anova, Aqua Sphere, and many others. TD Bank also offers a handy goal tracker so that you can set goals and track your progress toward achieving them.
- Interest rate: 19.99 percent
- Cash advance rate: 22.99 percent
- Annual fee: none
- Minimum credit limit: $500
- Interest-free period: at least 21 days
There are different ways to apply provided that you are a Canadian resident of legal age in the territory or province you reside. You can either apply by phone or online or in-person by booking an appointment with a banking specialist.
If you have a less than stellar credit score, one option can be to apply for a secured credit card at the nearest TD branch. Using a secured card responsibly can help you to upgrade to an unsecured card provided that you make timely payments not only as a TD customer but across all loan and card products.