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TD Bank stands as an exclusive issuer of Visa cards in Canada, making it one of the country's largest credit card providers. Millions of Canadians carry a TD Visa in their wallet for everyday purchases - from groceries and gas to travel and online subscriptions. How you manage your TD Visa payment directly affects how much value you extract from your card each year.
The stakes are real. A TD Bank survey found that the most valued credit card benefits among consumers are rewards (35%), low interest rates (23%), and low or no fees (17%). Paying your bill late or carrying a balance chips away at every one of those benefits. While 73% of Americans report carrying credit card debt, the lesson applies equally to Canadians: interest charges can quickly erase any cashback or points you earn.
For a complete overview of paying any credit card bill and earning cashback in Canada, see our complete guide to credit card bill payment cashback. In this article, we focus specifically on TD Visa cardholders. We walk through the full TD Visa card lineup, every payment method available to you, how TD's cashback and travel rewards programs work, and practical tips for stacking rewards - including how Neobanc can help you earn cashback on rent payments on top of your TD card earnings.
TD offers a range of Visa products designed for different spending habits. Whether you prioritize cashback, travel points, or simplicity, there is a card built for you. Here is a breakdown of the four most popular options.
The TD Cash Back Visa Infinite is TD's flagship td cashback visa card for everyday spenders. It delivers 3% cashback on grocery and gas purchases, and 1% cashback on all other spending. The card carries an $89 annual fee - a cost that most households recoup quickly if they spend more than $300 per month on groceries and gas combined. This card also includes purchase security, extended warranty protection, and travel medical insurance.
For cardholders who want a no-annual-fee option, the TD Cash Back Visa offers 0.5% cashback on every purchase. It lacks the elevated earning categories of the Infinite version, but the zero yearly cost makes it a practical choice for light spenders or anyone building credit in Canada. You still get basic fraud protection and the ability to manage your account through TD's digital banking tools.
Frequent flyers gravitate toward the TD Aeroplan Visa Infinite. It earns 1.5 Aeroplan points per dollar on eligible purchases, with accelerated earning on Air Canada flights. The card integrates directly with Air Canada's loyalty program, letting you pool points for flights, seat upgrades, and Star Alliance partner bookings. The annual fee sits at $139, but the included travel insurance and lounge access passes add meaningful value for regular travellers.
The TD First Class Travel Visa Infinite targets travellers who prefer flexibility over airline loyalty. It earns 3% in TD Rewards on travel purchases and 1% on everything else. You redeem points through TD's Expedia-powered portal, giving you access to flights, hotels, and car rentals across virtually any provider. The $139 annual fee includes travel medical insurance, trip cancellation coverage, and no foreign transaction fee surcharges.
TD Visa Card Comparison
| Card | Annual Fee | Cashback/Rewards Rate | Best For |
|---|---|---|---|
| TD Cash Back Visa | $0 | 1% - 3% cashback | Everyday purchases |
| TD Rewards Visa | $0 | 1x - 2x points | No-fee rewards |
| TD First Class Visa Infinite | $120 | 3x - 9x points | Travel rewards |
| TD Cash Back Visa Infinite | $89 | 1% - 3% cashback | Higher cashback |
Each card suits a different type of spender. If you carry a credit card for paying rent or large recurring bills, the earning structure of each card matters even more - and so does paying your balance in full every month.
TD provides five distinct ways to make a td visa bill payment. Every method posts to your account within one to three business days, though some arrive faster than others. Choose the option that fits your routine, and set a reminder or automate whenever possible.
The fastest way to pay td visa online is through TD EasyWeb, TD's web-based banking portal. Here is how:
If you bank with another institution, you can also add your TD Visa as a payee through that bank's online bill payment system. Search for "TD Visa" in the payee list and enter your 16-digit card number as the account reference. Payments made from external banks typically take one to three business days to appear.
The TD app mirrors the EasyWeb experience on your phone. Open the app, tap Move Money, select Between My Accounts, and follow the same steps outlined above. The app also sends push notifications when your statement is ready and when your payment due date approaches - a useful tool if you want to avoid late fees. You can manage multiple payment methods and keep your financial life organized from one screen.
Prefer to pay in person? Visit any TD Canada Trust branch and make a payment at the teller or through a TD ATM. At the ATM, insert your TD Access Card, select Pay Bills, choose your TD Visa, and enter your payment amount. Branch teller payments post the same day. ATM payments made before 6:00 p.m. local time also post same-day in most cases.
Setting up a pre-authorized payment removes the risk of forgetting a due date entirely. Through EasyWeb or the TD app, navigate to Set Up Recurring Transfer and select your TD Visa as the destination. You choose the frequency (monthly, bi-weekly), the amount (minimum payment, full balance, or a fixed dollar figure), and the start date. This approach works especially well for Canadians who want their recurring payments handled automatically each month.
One caution: if you set the amount to "minimum payment" rather than "full balance," you will still accumulate interest on the remaining unpaid portion. Always aim for full-balance automation if your cash flow allows it.
TD's phone banking line (1-866-222-3456) lets you make a credit card payment 24/7 through the automated system. You will need your TD Access Card number and telephone banking password. This is a reliable backup when you do not have internet access, though it is the least convenient option for regular use.
Understanding exactly how TD calculates and pays cashback helps you plan your spending more effectively. The td cash back visa infinite and the standard TD Cash Back Visa follow the same general structure, but the earning rates and payout schedules differ.
TD calculates cashback on every eligible purchase posted to your account during your card anniversary year - not the calendar year. The system tracks which purchases fall into bonus categories (grocery, gas) and applies the higher rate automatically. Returns, refunds, and cash advances do not earn cashback. Interest charges, annual fees, and balance transfers are also excluded.
For the TD Cash Back Visa Infinite, the 3% rate on grocery and gas applies to the first $3,500 in combined spending in those categories per year. After that threshold, those purchases earn at the 1% base rate. This cap means you can earn up to $105 in bonus cashback from the 3% categories annually, plus unlimited 1% on everything else.
Unlike some competitors that let you redeem cashback at any time, TD credits your earned cashback as a single annual statement credit on your card anniversary date. This means you wait up to 12 months to see the payout. Some cardholders find this frustrating, but the credit applies automatically - you do not need to log in and request it. TD Bank survey data shows that 34% of cash back cardholders prefer statement credits as their redemption method, making TD's approach aligned with what most people actually want.
The difference between these two cards becomes obvious once you run the numbers. A household spending $800 per month on groceries and gas, plus $1,500 on everything else, would earn approximately $438 annually with the Infinite card versus $138 with the standard card. Subtract the $89 annual fee, and the Infinite still comes out $211 ahead. For most Canadian families, the upgrade pays for itself several times over.
Annual Cashback Earnings Comparison
| Spending Category | Monthly Spend | TD Cash Back Visa Infinite | TD Cash Back Visa |
|---|---|---|---|
If you pay bills through cashback platforms, you can further compound your total rewards beyond what TD's built-in program offers.
Not every TD cardholder chases cashback. The Aeroplan and First Class Travel cards cater to Canadians who travel frequently and want their spending to translate into flights, hotel stays, and experiences.
The TD Aeroplan Visa Infinite earns 1.5 Aeroplan points per dollar on most purchases, with bonus earning on Air Canada flights purchased directly. Points transfer into the broader Aeroplan , where you can book flights on Air Canada, United Airlines, Lufthansa, and over 40 other Star Alliance carriers. A round-trip economy flight within Canada typically costs 15,000 to 25,000 points, meaning a cardholder spending $2,000 per month could earn enough for a domestic flight in roughly six to eight months.
Aeroplan points also cover seat upgrades, hotel bookings through the Aeroplan portal, and merchandise. However, flights offer the highest cents-per-point value - often between 1.5 and 2.5 cents per point, compared to 0.7 to 1.0 cents for merchandise.
The TD First Class Travel Visa Infinite takes a different approach. Instead of locking you into one airline, it lets you redeem TD Rewards points through an Expedia-powered booking portal. You earn 3% back on travel purchases and 1% on everything else. The flexibility appeals to travellers who shop for the best deal across airlines and hotel chains rather than committing to a single loyalty program.
Redemption value through the TD Rewards portal typically lands around 1 cent per point. A cardholder earning 3% on a $5,000 vacation would receive $150 in TD Rewards points - essentially a 3% discount on future travel. For Canadians considering major financial decisions like breaking a mortgage or purchasing a home, the travel card's value depends heavily on how often you actually travel.
Research from Javelin Strategy & Research evaluates TD Bank among the 10 major credit card issuers in its 2025 Mass-Market Credit Cards Scorecard, confirming TD's competitive positioning in the broader market. Credit card purchase volume reached $1.28 trillion in 2025, and TD captures a meaningful share of that through its Visa product suite.
Earning cashback or points is only half the equation. Smart cardholders structure their payments and spending habits to squeeze maximum value from every dollar. Here are actionable strategies tailored to TD Visa holders.
This is the single most important rule. TD's credit card interest rate sits around 20.99% for purchases. Carrying even a small balance erases your cashback gains instantly. If your TD Cash Back Visa Infinite earns you $400 in annual cashback but you pay $600 in interest, you are losing $200 per year. The NerdWallet credit card data hub reinforces that interest costs remain the top wealth eroder for credit card users. Set up a pre-authorized full-balance payment to eliminate this risk.
If you hold multiple TD cards - say, the Cash Back Visa Infinite for everyday spending and the Aeroplan Visa Infinite for travel - use each card where it earns the most. Charge groceries and gas to your cashback card. Book flights and hotels on your travel card. This simple habit can increase your total annual rewards by 30% or more compared to using a single card for everything.
TD Visa cards earn rewards on most purchases, but rent payments typically go through bank transfers or cheques that earn nothing. Neobanc changes that equation. By paying your rent through Neobanc using your TD Visa, you earn cashback on a monthly expense that usually generates zero rewards. For Canadian renters paying average rent in 2026, this can add hundreds of dollars in annual value.
You can also use Neobanc to earn cashback on mortgage payments and cashback on gift cards. Use our cashback calculator to see exactly how much you would earn based on your monthly expenses.
The TD Cash Back Visa Infinite caps the 3% earn rate at $3,500 in combined grocery and gas spending per year. Once you hit that limit, those purchases drop to 1%. Monitor your spending through the TD app or EasyWeb dashboard so you know when you are approaching the cap. After that, consider redirecting grocery spending to a secondary card with uncapped bonus categories.
Neobanc reports your rent payments to credit bureaus, helping you strengthen the credit profile that powers your TD Visa rewards.
Start Reporting RentIf you are making a large purchase - furniture, electronics, or home renovations - charge it to your TD Visa near the beginning of your billing cycle. This gives you the maximum interest-free grace period (up to 21 days after the statement date) before payment is due. You earn the full cashback or points immediately while keeping your cash invested or in a savings account for longer. For Canadians saving for a down payment on a home, every extra day of interest on your savings counts.
When your annual cashback credit hits your TD statement, it reduces your balance - but it does not reduce your minimum payment obligation for that period. Think of it as a bonus, not a reason to skip a payment. Some cardholders roll their cashback credit into additional spending, which defeats the purpose. Instead, let it reduce your balance and pocket the savings.
Your TD Visa payment strategy should fit into a larger financial picture. Paying your credit card bill on time every month does more than avoid interest - it builds your credit score over time. A strong credit score unlocks better rates on mortgages, car loans, and future credit products.
Payment history accounts for approximately 35% of your credit score in Canada. Every on-time TD Visa payment strengthens your profile with Equifax and TransUnion. Conversely, even a single missed payment can drop your score by 50 to 100 points and stay on your record for six years. If your payment ever fails, act immediately to resolve it before it hits your credit report.
TD EasyWeb and the TD app let you download transaction histories and statements going back several years. This documentation proves useful for proof of rent payment for taxes, business expense tracking, and mortgage applications. Keep your records organized and accessible - especially if you plan to apply for mortgage prepayment options or refinancing in the future.
For a broader comparison of how TD Visa payments stack up against other Canadian banks, explore our guides on Visa bill payment cashback, RBC Visa payment cashback, and CIBC Visa payment cashback. Each bank handles rewards and payment options differently, and understanding the differences helps you choose the right card - or the right combination of cards - for your household.
Payments made through TD EasyWeb or the TD app from a TD account post immediately. Payments from external banks take one to three business days. ATM and branch teller payments made before the cutoff time post the same business day.
Yes. Add your TD Visa as a bill payee through your other bank's online banking platform. Use your 16-digit TD Visa card number as the account reference. Allow extra processing time for the payment to appear on your TD statement.
TD credits your earned cashback as a single statement credit on your card anniversary date - not at year-end. You do not need to request the payout; it appears automatically. Check your anniversary date by calling TD or reviewing your original card agreement.
A missed payment triggers a late fee (typically $29 for the first occurrence, $39 for subsequent ones within 12 months), potential interest charges on your entire balance, and a negative mark on your credit report. If you notice the issue quickly, making the payment before the next reporting cycle can sometimes prevent credit score damage. Learn about changing your payment method if your current setup keeps causing issues.
TD does not directly process rent payments for cashback. However, you can use third-party platforms like Neobanc to pay rent with your TD Visa and earn cashback on every payment. This turns your largest monthly expense into a rewards-generating transaction. Visit our FAQ page to learn how the process works.
For most households, yes. If you spend at least $250 per month on groceries and gas, the 3% earn rate on those categories alone covers the annual fee. Everything beyond that is profit. Read more on our finance tips blog for detailed breakdowns of when premium cards make financial sense.
Your td visa payment is more than a monthly obligation - it is an opportunity. Pay in full, pay on time, and direct your spending through the right card to capture maximum rewards. Whether you hold the td cash back visa infinite for everyday cashback or the Aeroplan Visa Infinite for travel points, the fundamentals stay the same: protect your benefits by never carrying a balance, and look for ways to earn rewards on expenses that traditional methods miss.
For Canadian renters and homeowners, stacking TD Visa rewards with platforms like Neobanc turns rent, bill payments, and even mortgage payments into cashback-generating transactions. Start by reviewing your current TD Visa setup, automating your payments, and exploring where you can earn more. Visit our comprehensive guide to credit card bill payment cashback in Canada for the full strategy, and check out the Neobanc platform to see how much you could save.
Neobanc lets Canadians earn up to 9% cashback on rent and 1% on bills — including credit card payments. Start saving today.
Sign Up FreeTo pay your TD Visa bill online, log in to TD EasyWeb at td.com, navigate to Transfers, and select Transfer Between My Accounts. Choose your TD chequing or savings account as the source and your TD Visa as the destination, then enter your payment amount and confirm. The payment posts immediately. You can also add your TD Visa as a payee through another bank's online bill payment system, though external payments typically take one to three business days.
Yes, TD allows you to set up automatic pre-authorized payments for your TD Visa through EasyWeb or the TD mobile app. Navigate to Set Up Recurring Transfer, select your TD Visa as the destination, and choose your preferred frequency, amount, and start date. You can automate the minimum payment, full statement balance, or a fixed dollar amount. Choosing full-balance automation is strongly recommended to avoid accumulating interest on any unpaid portion.
TD calculates cashback on the Cash Back Visa Infinite based on every eligible purchase posted during your card anniversary year. Grocery and gas purchases earn 3% cashback up to a combined $3,500 annual spending cap in those categories, yielding a maximum of $105 in bonus cashback. All other purchases earn 1% with no cap. Returns, refunds, cash advances, interest charges, annual fees, and balance transfers are excluded from cashback calculations.
The TD Cash Back Visa Infinite earns 3% cashback on grocery and gas purchases and 1% on everything else, with an $89 annual fee. The standard TD Cash Back Visa has no annual fee but earns only 0.5% cashback on all purchases with no bonus categories. For households spending even moderate amounts on groceries and gas, the Infinite version delivers significantly more value despite its fee, along with added perks like purchase security, extended warranty protection, and travel medical insurance.
Yes, you can pay rent with your TD Visa and earn cashback through a service like Neobanc. Neobanc enables Canadians to pay rent with a credit card and earn cashback on those payments. Since rent is typically one of the largest monthly expenses, this strategy can meaningfully increase your annual rewards earnings. The key is always paying your full credit card balance each month so interest charges do not offset the cashback you earn.
A late TD Visa payment triggers several consequences. You will be charged a late payment fee, and interest begins accruing on your outstanding balance at the card's standard purchase rate. Repeated late payments can also be reported to Canadian credit bureaus, which negatively impacts your credit score. Additionally, carrying a balance erodes the value of any cashback or rewards you earn, as interest charges can quickly exceed your rewards. Setting up pre-authorized payments is the simplest way to avoid this.
Yes, paying your TD Visa bill on time each month helps build your credit score. Canadian credit bureaus track your payment history, which is the single most influential factor in credit score calculations. Consistently making at least the minimum payment by the due date establishes a positive payment record. For those actively working on their credit, pairing on-time TD Visa payments with credit-building rent payments through a service like Neobanc can further strengthen your credit profile.
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