TD Cash Back Visa Infinite* Card vs TD Low Rate Visa* Card: Which one is better?


TD Cash Back Visa Infinite* Card

TD Cash Back Visa Infinite* Card

3.3


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

TD Low Rate Visa* Card

TD Low Rate Visa* Card

3.3


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$368.38


First Year Bonus Value

$105


Annual Fee

$139

$0

First Year Waived


First Year Value

$473.38

$229.38 in years after

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

Rewards Breakdown

N/A

Insurance Included

  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days

  • lost baggage

    Lost or Stolen Baggage

    $1000
  • hourglass timer

    Baggage Delay

    $1000
  • car insurance

    Car Rental Damage & Theft

    Included
  • mobile device insurance

    Mobile Device Insurance

    $1000
  • travel accident medical

    Emergency Out of province Medical

    $2M, 10 days
  • travel accident medical

    Emergency Medical Over 65

    $2M, 4 days

Insurance Included

  • extended warranty

    Extended Warranty

    Doubled Up to 1 year
  • purchase protection

    Purchase Protection

    90 days

Extra Benefits

  • car rental

    Car Rental Discount

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

    Extra points

    Earn 50% more Stars at participating Starbucks stores

  • 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
  • exclusive

    Visa Infinite Exclusive Benefits

  • concierge

    Concierge Services

  • tire

    Roadside Assistance

    Free Deluxe TD Auto Club membership (24 hour emergency Road services)

Extra Benefits

  • car rental

    Car Rental Discount

    5% to 10% off base rate of Avis Rent A Car and Budget Rent A Car
  • reward cup

    Extra points

    Earn 50% more Stars at participating Starbucks stores

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

12.90%2

Cash Advance:

12.90%2

Balance Transfer:

12.90%2

Annual Fee

$139

$0

First Year Waived

Annual Fee

$25

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

N/A

Min Household Income:

N/A

Welcome Bonus

3% incremental cashback on gas, groceries, and pre-authorized payments up to $145 in the first 3 months. 4% extra cashback on other purchases up to $110 in the first 3 months.

Welcome Bonus

N/A

Rewards Rate

  • 3% cashback groceries, gas (maximum $450 annually)
  • 3% cashback on recurring payments (maximum $450 annually)
  • 1% cashback on all other credit card purchases.

Rewards Rate

  • No rewards
  • No welcome bonus or promotional interest rate
  • Interest changes with prime so you can't setup a fixed amount payment plan

Is this card worth it?

We actually don't recommend this card much. For an annual fee, the rewards earned are very mediocre, and the benefit coverage leaves much to be desired. The only notable benefit is the roadside assistance, which can be covered by an alternative, better credit card.

Is this card worth it?

A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.

Pros

  • The roadside assistance benefit is nice.

Pros

  • Lower annual interest rate compared to most cards

Cons

  • Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
  • The travel insurance coverage is very basic for a card that has an annual fee.

Cons

  • No rewards
  • Small annual fee

Legal


2 Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received before or on the payment due date and before we prepare your next monthly statement twice within any 12 consecutive statement periods.

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