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Side by Side Credit Cards Comparison
TD Cash Back Visa* CardVSTD First Class Travel® Visa Infinite* Card
Which one is better?
TD Cash Back Visa* Card
2.7
TD First Class Travel® Visa Infinite* Card
4.7
Welcome Bonus
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025. Earn $10 in Cash Back Dollars on first purchase with your card†. Earn an additional $40 in Cash Back Dollars when you reach a spend of $1,500 in the first 3 months of account opening†. Cash Back Dollars can be redeemed to help pay down your account balance†.
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
$150.82
First Year Bonus Value
+
$50
Annual Fee
-
$0
First Year Value
$200.82
$150.82 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
- Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†.
- Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
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†
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
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 and 50% more Aeroplan points at participating Starbucks stores
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†
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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:
21.99%
Cash Advance:
22.99%
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:
N/A
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?
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?
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
- 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
- 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
- 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
- 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 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® 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.
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.