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Side by Side Credit Cards Comparison
TD Cash Back Visa Infinite* CardVSTD Rewards Visa* Card
Which one is better?
TD Cash Back Visa Infinite* Card
3.3
TD Rewards Visa* Card
1.5
Welcome Bonus
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of April 30, 2025. Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†. 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†. Get an annual fee rebate for the first year†. 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Welcome Bonus
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply. Offer effective as of January 7, 2025.
Rewards Breakdown
Annual Rewards
$368.38
First Year Bonus Value
+
$105
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$473.38
$229.38 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$43.51
TD Rewards
First Year Bonus Value
+
$98.48
TD Rewards
Annual Fee
-
$0
First Year Value
$142
$43.51 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
- Earn 1% in Cash Back Dollars on all other Purchases
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
How to Earn Rewards
- Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†
- Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†
- Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
Insurance Included
Mobile Device Insurance
$1000
Extended Warranty
1 year
Purchase Protection
90 days
Lost or Stolen Baggage
$1000
Baggage Delay
$1000.svg)
Car Rental Damage & Theft
Included
Emergency Medical Term
$2M, 10 daysEmergency Medical (65+)
$2M, 4 days
Insurance Included
Mobile Device Insurance
$1,000Extended Warranty
Up to 1 yearPurchase Protection
90 days
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points
Earn 50% more Stars at participating Starbucks stores
Visa Infinite Exclusive Benefits
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Concierge Services
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$0
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
Most Optimal
Travel via Expedia
0.5¢ / point
Travel
0.4¢ / 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?
This is a great keeper card, especially for recurring bills and subscriptions. A main notable benefit is the roadside assistance, which is a great valuable perk to have.
Is this card worth it?
The TD Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
Pros
- The roadside assistance benefit is quite nice.
- 3% cashback on recurring bills is a great way to save on subscriptions
Pros
- No annual fee, making it easy to maintain.
- Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
- Mobile device insurance included, a rare feature for no-fee 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
- TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
- Limited insurance coverage compared to premium cards.
Legal
†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.
†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.