TD First Class Travel® Visa Infinite* Card vs TD Low Rate Visa* Card: Which one is better?

TD First Class Travel® Visa Infinite* Card
3.9

TD Low Rate Visa* Card
3.3
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
N/A
Insurance Included
Extended Warranty
Up to 1 yearPurchase Protection
90 daysLost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Hotel Burglary Insurance
$2,500Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500
Insurance Included
Extended Warranty
Doubled Up to 1 yearPurchase Protection
90 days
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 storesVisa Infinite Exclusive Benefits
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsConcierge Services
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TDGolf 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
5% to 10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points
Earn 50% more Stars at participating Starbucks stores
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
12.90%2
Cash Advance:
12.90%2
Balance Transfer:
12.90%2
Annual Fee
$139
$0
First Year Waived
Annual Fee
$25
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
N/A
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
- No rewards
- No welcome bonus or promotional interest rate
- Interest changes with prime so you can't setup a fixed amount payment plan
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Travel via Expedia
0.5¢ / pointTravel
0.4¢ / pointEducation
0.4¢ / pointAmazon.ca
0.33¢ / pointStatement Credits (Cash)
0.25¢ / pointGift Cards
0.25¢ / pointMerchandise
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?
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
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
- Lower annual interest rate compared to most 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.
Cons
- No rewards
- Small annual fee


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