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


TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

3.9


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

TD Low Rate Visa* Card

TD Low Rate Visa* Card

3.3


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

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

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Emergency Out of province Medical

    21 days
  • travel accident medical

    Emergency Medical Over 65

    4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

Insurance Included

  • extended warranty

    Extended Warranty

    Doubled Up to 1 year
  • purchase protection

    Purchase Protection

    90 days

Extra Benefits

  • car rental

    Car Rental Discount

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

    Extra points

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

  • exclusive

    Visa Infinite Exclusive Benefits

  • birthday cake

    Annual Birthday Bonus

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

    Concierge Services

  • travel

    Travel Credit

    Get an annual TD Travel Credit of $100 when you book at Expedia For TD
  • golf clubs

    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

    Car Rental Discount

    5% to 10% off base rate of Avis Rent A Car and Budget Rent A Car
  • reward cup

    Extra 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

    expedia

    Travel via Expedia

    0.5¢ / point
  • travel - plane

    Travel

    0.4¢ / point
  • education

    Education

    0.4¢ / point
  • amazon logo

    Amazon.ca

    0.33¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25¢ / point
  • gift card

    Gift Cards

    0.25¢ / point
  • online shop

    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?

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

Legal


2 Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received before or on the payment due date and before we prepare your next monthly statement twice within any 12 consecutive statement periods.

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