TD Cash Back Visa Infinite* Card vs TD Platinum Travel 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 Platinum Travel Visa* Card

TD Platinum Travel Visa* Card

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

Annual Rewards

$195.8

TD Rewards


First Year Bonus Value

$250

TD Rewards


Annual Fee

$89

$0

First Year Waived


First Year Value

$445.8

$106.8 in years after

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

Insurance Included

  • 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
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days

  • travel accident medical

    Emergency Out of province Medical

    $2M, 10 days
  • travel accident medical

    Emergency Medical Over 65

    $2M, 4 days

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days

  • heart lock

    Travel Accident

    $500,000
  • burglar

    Hotel Burglary Insurance

    $2,500
  • hourglass timer

    Flight Delay

    $500

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

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

    Extra points

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

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$139

$0

First Year Waived

Annual Fee

$89

$0

First Year Waived

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

Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card, 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening. Get an Annual Fee Rebate for the first year. Account must be approved by January 6, 2025.

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

  • 6x points per $1 spent on travel booked online through Expedia for TD
  • 4.5x points per $1 spent on eligible grocery and restaurant purchases
  • 3x points per $1 spent on eligible recurring bill payments
  • 1.5x 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?

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?

The TD Platinum Travel Visa Card* is a solid choice for individuals looking for travel rewards and flexibility without a high annual fee. Its first-year fee waiver, valuable welcome bonus, and comprehensive insurance package make it a strong contender in the travel card category. However, the lower point value and lack of trip cancellation insurance may be a drawback for frequent travelers.

Pros

  • The roadside assistance benefit is nice.

Pros

  • 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
  • Annual fee rebate for the first year, providing savings during the first year of card ownership.
  • No minimum income requirement, making it accessible for a wide range of applicants.
  • Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.

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

  • TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
  • Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
  • No trip cancellation insurance included, which may be a drawback for frequent travelers.

We may earn a commission for some of the products featured on this site. The content and reviews on FinlyWealth are independent and not influenced by advertisers. For the latest details on any product, please visit the advertiser's official website. The content provided on this website, including any credit card recommendations, is for informational and entertainment purposes only and does not constitute financial, legal, or tax advice. The owner and author(s) of this website are not financial, legal, or tax professionals. All views and opinions expressed herein are solely those of the author(s) and may not reflect the best choice for your unique situation. Always consult with a qualified professional before making any financial decisions. The owner and author(s) of this website shall not be held liable for any inaccuracies, errors, or omissions in the content or any resulting actions taken by readers.

Copyright © FinlyWealth 2025 All Rights Reserved.