Working hard in the background...
Side by Side Credit Cards Comparison
Simplii Financial™ Cash Back Visa* CardVSTD First Class Travel® Visa Infinite* Card
Which one is better?
Simplii Financial™ Cash Back Visa* Card
4.4
TD First Class Travel® Visa Infinite* Card
4.7
Welcome Bonus
Earn 8% cash back† for your first 3 months up to $1,000 eligible spend.
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†. 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 $285)†. 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
$341.07
First Year Bonus Value
+
$7.15
Annual Fee
-
$0
First Year Value
$348.22
$341.07 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$446.09
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,271.09
$307.09 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 4% cash back on eligible restaurant, bar, and coffee shop purchases up to $5,000 spent per year†
- 1.5% cash back on gas, groceries, drugstore, and pre-authorized payments up to $15,000 spent per year†
- 0.5% cashback 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
Extended Warranty
Up to 1 year
Purchase Protection
Up to 90 days
Insurance Included
Extended Warranty†
Up to 1 yearPurchase Protection†
90 days
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,000
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Extra Benefits
N/A
Extra Benefits
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.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
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:
20.99%1
Cash Advance:
22.99%1
Balance Transfer:
22.99%1
1 “Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$0
Annual Fee
$139
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
$15,000
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Expedia® For TD
0.5¢ / point
Travel
0.44¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / point
Statement Credits (Cash)
0.25¢ / point
Gift Cards
0.25¢ / point
Merchandise
0.225¢ / point
Is this card worth it?
If you dine out a lot and don't want to pay an annual fee for your credit card, the Simplii Financial™ Cash Back Visa* Card will undoubtedly be one of your best friends with its 4% cashback. Additionally, the card offers a decent cashback rate (1.5%) for gas, pharmacy, and groceries, making it one of the best no-annual-fee cashback credit cards in Canada. However, there are limits on how much you can earn in these categories. Therefore, you need to be careful not to exceed those limits; otherwise, your cashback rate will drop to 0.5% after those spending limits are reached.
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
- Highest cashback rate on restaurant purchases in Canada!
- Decent cashback rate on high spent categories such as groceries and gas.
- No annual fee for a card with great rewards.
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
- No insurance and benefits other than the standard purchase protection and extended warranty.
- Cap on the rewards that can be earned on each category.
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.
vs SimplyCash® Card from American Express
vs Scotia Momentum® Visa* Card
vs CIBC Costco Mastercard
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs Tangerine Money-Back Mastercard
vs Amazon.ca Rewards Mastercard®
vs SimplyCash™ Preferred Card from American Express
vs Scotia Momentum® Visa Infinite* Card
vs MBNA Rewards World Elite® Mastercard®
vs PC World Elite Mastercard
vs American Express® Green Card
vs RBC ION+ Visa
vs Rogers Red World Elite® Mastercard®
vs Rogers Red Mastercard®
vs American Express Cobalt® Card
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD® Aeroplan® Visa Infinite Privilege* Credit Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
Legal
†Terms and conditions apply. Click ‘Apply Now’ for complete details. Banking services are not available in Quebec.
This offer applies to the Simplii Financial Cash Back Visa Card. You can qualify for this offer if you apply and are approved for a new eligible card beginning May 14, 2025.
This 8% cash back offer (applies an incremental 4% cash back to the 4% cash back already awarded) on eligible restaurant, bar and coffee shop purchases and is available to new cardholders who apply and are approved for the Simplii Financial Cash Back Visa Card beginning May 14, 2025. The 4% incremental cash back applies on eligible restaurant, bar and coffee shop purchases made during your first 3 monthly statement periods beginning from your account open date or $1,000 in total restaurant, bar and coffee shop purchases (equal to $40 bonus cash back), whichever comes first. This offer will not result in any changes to the 4% cash back already earned on restaurant, bar and coffee shop purchases, and those purchases will be included within the $5,000 annual spend limit that earns 4% cash back.
This offer may be withdrawn or changed without prior notice at any time. Simplii Financial may, in its sole discretion, disqualify, limit or revoke this offer if you are believed to be abusing or manipulating it, or engaging in any suspicious or fraudulent activity. Simplii Financial may approve your application, but you are not eligible to receive this offer if you have opened or cancelled a Simplii Financial Cash Back Visa Card within the last 12 months.
*“Purchase” means any Transaction other than a Cash Advance, Balance Transfer or Convenience Cheque. “Cash” means a Cash Advance, Balance Transfer and Convenience Cheque. Interest rates may change from time to time.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.