Rogers Red World Elite® Mastercard®

Rogers Red World Elite® Mastercard®

Apply Now
TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

Apply Now

Rogers Red World Elite® Mastercard® vs TD First Class Travel® Visa Infinite* Card: Which one is better?


Rogers Red World Elite® Mastercard®

Rogers Red World Elite® Mastercard®

4.8


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

3.9


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Finly Rebate

N/A

Rewards Breakdown

Annual Rewards

$720


First Year Bonus

$0


Annual Fee

$0


First Year Value

$720

Based on $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$401.23

TD Rewards


First Year Bonus

$575

TD Rewards


Annual Fee

$139


First Year Value

$976.23

$262.23 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

  • car insurance

    Car Rental Damage & Theft

    $65,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 10 days
  • travel accident medical

    Emergency Medical Over 65

    $1M, Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1,000/person, $5,000 maximum
  • pause

    Trip Interruption

    $1,000/person, $5,000 maximum

Insurance Included

  • car insurance

    Car Rental Damage & Theft

    yes
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    21 days
  • travel accident medical

    Emergency Medical Over 65

    4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Flight Delay

    $500

Extra Benefits

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, complimentary visits not included
  • mobile phone wifi

    No Cost roaming

    5 days

Extra Benefits

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa Infinite Exclusive Benefits

  • birthday cake

    Annual Birthday Bonus

    Earn a Birthday Bonus of up to 10,000 TD Rewards Points
  • concierge

    Concierge Services

  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
  • travel

    Travel Credit

    Get an annual TD Travel Credit of $100 when you book at Expedia For TD
  • golf clubs

    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:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$0

Annual Fee

$139

$0

First Year Waived

Income Required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Welcome Bonus

N/A

Welcome Bonus

Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by January 6, 2025.

Rewards Rate

  • 3% cash back on all U.S dollar purchases
  • 2% cash back on all regular purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
  • 1.5% cash back on all purchases if you do not have 1 qualifying service

Rewards Rate

  • 8x points per $1 spent on travel booked online through Expedia for TD
  • 6x points per $1 spent on eligible grocery and restaurant purchases
  • 4x points per $1 spent on eligible recurring bill payments
  • 2x points per $1 spent on all other eligible purchases

Loyalty Program

N/A

Loyalty Program

Point Redemption Options

Not Applicable

Point Redemption Options

  • Most Optimal

    expedia

    Travel via Expedia

    0.5¢ / point
  • travel - plane

    Travel

    0.4¢ / point
  • education

    Education

    0.4¢ / point
  • amazon logo

    Amazon.ca

    0.33¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25¢ / point
  • gift card

    Gift Cards

    0.25¢ / point
  • online shop

    Merchandise

    0.225¢ / point

Is this card worth it?

This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

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

  • Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
  • Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
  • There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
  • Many favorable benefits for travelers.
  • Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
  • Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your rewards.
  • The roam-like benefit is a benefit unique only to this card.
  • It is accepted at nearly all locations as it's a Mastercard.

Pros

  • Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
  • 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

  • Harder to qualify due to the high credit score and income requirements.
  • Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.

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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