TD First Class Travel® Visa Infinite* Card vs Amazon.ca Rewards Mastercard®: Which one is better?

TD First Class Travel® Visa Infinite* Card

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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Amazon.ca Rewards Mastercard®

3.1

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Welcome Bonus

Earn up to $1,000 in value, including up to 85,000 TD Rewards Points and no annual fee for the first year. Conditions Apply.

Welcome Bonus

Get 5% back at Amazon.ca, Whole Foods Market stores in Canada, grocery stores and restaurants for up to 6 months. Up to $150 cashback on top of the normal cashback earned.

Rewards Breakdown

Annual Rewards

$401.23

TD Rewards

First Year Bonus Value

$675

TD Rewards

Annual Fee

$139

First Year Waived

First Year Value

$1,076.23

$262.23 in years after

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

Rewards Breakdown

Annual Rewards

$251.84

First Year Bonus Value

$150

Annual Fee

First Year Value

$401.84

$251.84 in years after

Based on a hypothetical $2,000/mo average spending and assuming you are an Amazon Prime member as the primary account holder. Calculate your rewards.

How to Earn Rewards

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

How to Earn Rewards

2.5% cashback on Amazon.ca, Whole Foods and foreign currency transactions IF a prime member
Only 1.5% on Amazon.ca and Whole foods and 1% on foreign currency transactions IF not a prime member
1% cashback on everything else

Insurance Included

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

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 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Insurance Included

Extended Warranty

Up to a year

Purchase Protection

90 days

Extra Benefits

Car Rental Discount

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

Visa Infinite Exclusive Benefits

Annual Birthday Bonus

Earn a Birthday Bonus of up to 10,000 TD Rewards Points

Concierge Services

Extra points

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

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

Extra Benefits

Car Rental Discount

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

Trip and legal Assistance

Yes

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Interest Rates

Purchase:

19.99%

Cash Advance:

22.99%

Annual Fee

$139

First Year Waived

Annual Fee

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

TD Rewards

Loyalty Program

N/A

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

Point Redemption Options

Not Applicable

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.

Is this card worth it?

If you are a Prime member and want to maximize your cashback on your Amazon purchases, then this card is the best option for that specific purchase category. However, for other purchases, many other cards offer better benefits and rewards.

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.

Pros

If you are a Prime member, the 2.5% cashback offered on Amazon purchases is unbeatable in terms of rewards compared to other credit cards.
The 2.5% cashback on all foreign currency transactions helps to offset the extra 2.5% fee.

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.

Cons

It offers very little on non-Amazon and non-Whole Foods purchases, with many other well-rounded credit cards out there that offer much more.
Very limited benefits.

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