TD First Class Travel® Visa Infinite* Card vs TD Rewards Visa* Card: Which one is better?
TD First Class Travel® Visa Infinite* Card
3.9
TD Rewards Visa* Card
2
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
$43.51
TD Rewards
First Year Bonus Value
$98.48
TD Rewards
Annual Fee
$0
First Year Value
$142
$43.51 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Mobile Device Insurance
$1,000
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
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
Mobile Device Insurance
$1,000Extended Warranty
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 Car
Extra 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
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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 CarExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
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
Earn 15,152 TD Rewards Points (a value of $50 on Amazon.ca) when you spend $500 within 90 days of Account opening. Conditions apply. Account must be approved by January 6, 2025.
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
- 4x points per $1 spent on travel booked online through Expedia for TD
- 3x points per $1 spent on eligible grocery and restaurant purchases
- 2x points per $1 spent on eligible recurring bill payments
- 1x points per $1 spent on all other eligible purchases
Loyalty Program
Loyalty Program
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
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
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?
The TD Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
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
- No annual fee, making it easy to maintain.
- Strong welcome bonus of 15,152 points, worth approximately $75.
- Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
- Mobile device insurance included, a rare feature for no-fee 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
- TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
- Low return rate on everyday purchases, with 1 point per $1 spent, equating to just 0.5% return.
- Limited insurance coverage compared to premium cards.
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