TD Cash Back Visa* Card vs TD First Class Travel® Visa Infinite* Card: Which one is better?
TD Cash Back Visa* Card
2.7
TD First Class Travel® Visa Infinite* Card
3.9
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
$401.23
TD Rewards
First Year Bonus Value
$675
TD Rewards
Annual Fee
$139
$0
First Year Waived
First Year Value
$1,076.23
$262.23 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
Up to 1 yearPurchase Protection
90 days
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Hotel Burglary Insurance
$2,500
Emergency Out of province Medical
21 daysEmergency Medical Over 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
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Concierge Services
.svg)
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:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
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
Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no annual fee for the first year. Conditions Apply.
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
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x 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
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?
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
- Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
- 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 American Express Cobalt® Card
vs TD Aeroplan® Visa Infinite* Card
vs Scotiabank Passport® Visa Infinite* Card
vs Rogers Red World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs MBNA Rewards World Elite® Mastercard®
vs TD® Aeroplan® Visa Infinite Privilege*
vs TD Cash Back Visa Infinite* Card
vs TD Low Rate Visa* Card
vs TD Platinum Travel Visa* Card
vs TD® Aeroplan® Visa Platinum* Credit Card
vs TD Rewards Visa* Card