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Side by Side Credit Cards Comparison
American Express Cobalt® CardVSTD First Class Travel® Visa Infinite* Card
Which one is better?
American Express Cobalt® Card
5.0
TD First Class Travel® Visa Infinite* Card
3.2
Welcome Bonus
Earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in purchases on your amex cobalt credit card in the first Year. That's up to 15,000 Membership Rewards® points.
Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of September 4, 2025. Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†. Get an Annual Fee Rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Rewards Breakdown
Annual Rewards
$1,030.99
American Express Membership Rewards
First Year Bonus Value
+
$300
American Express Membership Rewards
Annual Fee
-
$155.88
First Year Value
$1,175.11
$875.11 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$441.36
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,266.36
$302.36 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
- 3x points per $1 spent on eligible streaming subscriptions in Canada
- 2x points per $1 spent on eligible gas, transit & ride share in Canada
- 1x point per $1 spent on all other purchases
How to Earn Rewards
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Insurance Included
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
yes
Travel Accident
$250,000
Mobile Device Insurance
$1,000
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$500
Emergency Medical Term
15 days, up to $5M (if under age 65)Flight Delay
$500
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysHotel Burglary Insurance
$2,500Emergency Medical Term
21 daysFlight Delay
$500Emergency Medical (65+)
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Extra Benefits
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Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
Extra Benefits
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Concierge Services
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Interest Rates
Purchase:
21.99%1
Cash Advance:
21.99%1
1 If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$155.88 (paid monthly)⁕
⁕ For Quebec residents, $150/year.
⁕ IMPORTANT NOTICE: Effective November 5, 2025, the monthly fee for non-Quebec residents will increase to $15.99 per month ($191.88 annually), and the annual fee for Quebec residents will increase to $191.88 per year.
Annual Fee
$139
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
Point Redemption Options
Statement Credits (Cash)
1¢ / point
Gift Cards
0.91¢ / point
Amazon.ca
0.7¢ / point
Merchandise
0.63¢ / pointMost Optimal
Aeroplan® Flights
2¢ / point
Transfer to Airline Partners
1.6¢ / point
Fixed Point Travel Program
1.16¢ / point
Transfer to Hotel Partners
1.16¢ / point
Point Redemption Options
Amazon.ca
0.33¢ / pointStatement Credits (Cash)
0.25¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Travel via Expedia
0.5¢ / pointTravel
0.44¢ / point
Education
0.4¢ / point
Is this card worth it?
This card was voted one of the Best Credit Card in Canada by FinlyWealth. The rewards earned on this card for a person with average spending exceed those of other credit cards in Canada by a huge margin! In addition, this card has a good benefits coverage, a flexible amex cobalt bonus points redemption program (1:1 transfer to Aeroplan® or Avios), making it the best candidate to become the main credit card for the majority of people.
Is this card worth it?
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- Amex cobalt credit card Points can be transferred to Air Canada Aeroplan® at a 1:1 ratio, making this card a solid Aeroplan® points earner as an alternative to Aeroplan® branded credit cards
- Generous welcome amex cobalt bonus points of up to 15,000
- 4+ different ways of redeeming your points for great value
- 10 different types of insurance, including travel
- Often referred to as the Best Credit Card in Canada
Pros
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Cons
- Less acceptance of American Express at different merchants across Canada
- Not all types of travel insurance are covered, especially trip cancellation and interruption insurance
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
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Legal
*Terms and conditions apply.
If you have 2 separate missed Payments, the applicable rates for your account will be 25.99%. If you have 3 or more separate missed payments, the applicable rates will be 29.99%.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
†Terms and conditions apply.
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