TD Cash Back Visa* Card vs TD Cash Back Visa Infinite* Card: Which one is better?
TD Cash Back Visa* Card
2.7
TD Cash Back Visa Infinite* Card
3.3
Rewards Breakdown
Annual Rewards
$148.67
First Year Bonus Value
$0
Annual Fee
$0
First Year Value
$148.67
Based on $2,000/mo average spending. Calculate your rewards.
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.
Insurance Included
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Insurance Included
Extended Warranty
1 yearPurchase Protection
90 days
Lost or Stolen Baggage
$1000
Baggage Delay
$1000.svg)
Car Rental Damage & Theft
Included
Mobile Device Insurance
$1000
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 65
$2M, 4 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
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra 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
Visa Infinite Exclusive Benefits
.svg)
Concierge Services
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Annual Fee
$0
Annual Fee
$139
$0
First Year Waived
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Welcome Bonus
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.
Rewards Rate
- 1% cash back on eligible groceries, gas and recurring bills (maximum $50 cash back for groceries & gas and another $50 for recurring bills)
- 0.5% cash back on all other eligible credit card purchases
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.
Is this card worth it?
The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.
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.
Pros
- No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
- 1% cash back on essential categories like gas, groceries, and recurring bills.
- Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
- Complimentary extended warranty and purchase protection insurance.
Pros
- The roadside assistance benefit is nice.
Cons
- Only 0.5% cash back on all other purchases, which is lower than some competitors.
- Limited insurance coverage compared to premium cash back 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.
