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Side by Side Credit Cards Comparison
American Express Gold Rewards Card®VSTD First Class Travel® Visa Infinite* Card
Which one is better?
American Express Gold Rewards Card®
4.3
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743⁎Good
790⁎Very Good
833⁎Excellent
TD First Class Travel® Visa Infinite* Card
4.7
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
- Earn up to 60,000 Membership Rewards® points
- New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
- 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†.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Get an Annual Fee Rebate for the first year†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
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.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Rewards Breakdown
American Express Membership Rewards
Annual Rewards
$543.5
28,605 pts
American Express Membership Rewards
First Year Bonus
+
$1,140
+60,000 pts
American Express Membership Rewards
Annual Fee
-
$250
First Year Value
$1,433.5
88,605 pts
$293.5 in years after
Based on a hypothetical $2,000/mo average spending.
1.9¢/pt
via Aeroplan® Flights
Rewards Breakdown
TD Rewards
Annual Rewards
$446.09
89,218 pts
TD Rewards
First Year Bonus
+
$825
+165,000 pts
TD Rewards
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,271.09
254,218 pts
$307.09 in years after
Based on a hypothetical $2,000/mo average spending.
0.5¢/pt
via Expedia® For TD
How to Earn Rewards
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible 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
- Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance Included
Lost or Stolen Baggage
$500
Baggage Delay
$500.svg)
Car Rental Damage & Theft
yes
Common Carrier Travel Accident Insurance
$500,000
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$500
Travel Medical Insurance
15 days
Trip Cancellation
$1,500 per person, $3,000 combined
Trip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500
Insurance Included
Lost or Stolen Baggage†
$1,000Baggage Delay†
$1,000Car Rental Damage & Theft†
yesCommon Carrier Travel Accident Insurance†
$500,000Extended Warranty†
Up to 1 yearPurchase Protection†
90 daysHotel Burglary Insurance†
$2,500Travel Medical Insurance†
21 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight Delay†
$500
Mobile Device Insurance†
$1,000Travel Medical Insurance (65+)†
4 days
Extra Benefits
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offers.svg)
Travel Credit
$100
American Express® Experiences
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Status lift
Hertz Gold Plus Rewards® loyalty program
Nexus Program Rebate
$50 statement credit every 4 years
Complimentary Hotel Benefits
Hotels booked American Express Travel
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visits
Extra Benefits
Extra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.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†
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 Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$250
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
1.9¢ / point
Transfer to Airline Partners
1.6¢ / point
Fixed Point Travel Program
1.16¢ / pointTransfer 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
Expedia® For TD
0.5¢ / pointTravel
0.44¢ / point
Education
0.4¢ / point
Is this card worth it?
The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
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
- Flexible rewards
- Travel perks
- Comprehensive insurance
- Multiple redemption options
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Cons
- High annual fee
- Foreign transaction fees
- Limited senior travel insurance
- Limited acceptance
Cons
- High income requirements
- Low point value
- Potentially week booking portal
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Legal
*Terms and conditions apply.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
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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