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TD First Class Travel® Visa Infinite* Card vs Tangerine Money-Back Credit Card: Which one is better?
TD First Class Travel® Visa Infinite* Card
3.9
Tangerine Money-Back Credit Card
4
Finly Rebate
N/A
Finly Rebate
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.
Rewards Breakdown
Annual Rewards
$278.6
First Year Bonus Value
$100
Annual Fee
$0
First Year Value
$378.6
$278.6 in years after
Based on $2,000/mo average spending and assuming you have a Tangerine Savings account. Calculate your rewards.
Insurance Included
Extended Warranty
Up to 1 year
Purchase 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
Insurance Included
Extended Warranty
Up to a yearPurchase 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.svg)
Concierge Services
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores.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
Extra Benefits
N/A
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.95%2
Cash Advance:
22.95%2
Balance Transfer:
22.95%2
Annual Fee
$139
$0
First Year Waived
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
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.
Welcome Bonus
In the first 2 months, get a bonus 10% cash back up to $100
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
Rewards Rate
- 2% on the choice of two categories chosen from the 10 offered by Tangerine
- 0.5% cashback on all other credit card purchases.
Loyalty Program
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?
While we think Tangerine isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. This card only requires a Fair credit score, making it an excellent choice for people who don't have a high credit score yet.
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.
Pros
- Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
- 2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
- Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
- Easy credit score requirements needed for this card.
- Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.
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
- Insurance coverage is the most basic.
- Very low cashback rate on the other categories not selected.
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Legal
2 The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers).