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MBNA Rewards World Elite® Mastercard® vs TD First Class Travel® Visa Infinite* Card: Which one is better?
MBNA Rewards World Elite® Mastercard®
TD First Class Travel® Visa Infinite* Card
Welcome Bonus
20,000 bonus points†† (approximately $165 in cash back value) after you make $2,000 or more in eligible purchases within the first 90 days of your account opening. 10,000 bonus points††(approximately $80 in cash back value) once enrolled for paperless e-statements within the first 90 days of account opening. This offer is not available for residents of Quebec.
Welcome Bonus
Earn up to $1,400 in value(18), including up to 165,000 TD Rewards Points(1) and no Annual Fee for the first year(1). Conditions Apply.
Our Cash Offer
$120 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
Rewards Breakdown
Annual Rewards
$657.62
MBNA Rewards
First Year Bonus Value
+
$300
MBNA Rewards
Annual Fee
-
$120
Finly Rebate
+
$120Exclusive Offer
First Year Value
$957.62
$537.62 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$401.23
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$1,226.23
$262.23 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 5 points‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
- 1 point‡ for every $1 on all other eligible purchases.
- Each year, you will receive Birthday Bonus Points‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.
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
Insurance Included
Lost or Stolen Baggage
$1000/person
Baggage Delay
$1000/person.svg)
Car Rental Damage & Theft
31 days
Travel Accident
$1,000,000
Mobile Device Insurance
$1000
Extended Warranty
Up to a year
Purchase Protection
Up to 90 days
Emergency Out of province Medical
$2M for 21 daysFlight Delay
$500/person after 4 hours
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysEmergency Out of province Medical
21 daysFlight Delay
$500
Hotel Burglary Insurance
$2,500Emergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year).svg)
Concierge Services
Price Protection
$500/item, $1000/account per year
Trip and legal Assistance
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarAnnual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsConcierge Services
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
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
Interest Rates
Purchase:
19.99%1
Cash Advance:
24.99%1
Balance Transfer:
22.99%1
1 Important Notice - Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement, the following rates apply: Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$120
Annual Fee
$139
$0$
First Year Waived
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
Point Redemption Options
Most Optimal
Travel
1¢ / point
Gift Cards
0.98¢ / point
Merchandise
0.8¢ / point
Statement Credits (Cash) - World Elite
0.82¢ / pointStatement Credits (Cash) - Platinum
0.5¢ / point
Point Redemption Options
Travel
0.4¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Travel via Expedia
0.5¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / pointStatement Credits (Cash)
0.25¢ / point
Is this card worth it?
The MBNA Rewards World Elite® Mastercard® is one of the best reward credit cards in Canada, offering high rewards on frequently spent categories such as groceries and restaurant purchases. The annual birthday bonus, unique to this card, also provides a significant boost to your yearly earnings. Additionally, the card features a comprehensive list of benefits, including price protection—a rare and valuable perk not found with many other cards in Canada. These factors make this card one of the best to have in Canada.
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.
Pros
- Both restaurants and groceries earn the most rewards, two of the most commonly spent categories.
- The MBNA rewards world elite Mastercard offers a great annual birthday bonus with up to $150 in value.
- A solid list of travel insurance and benefits.
- Price protection, a rare feature not offered by many other cards.
- Good value for many of the card's redemption options.
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.
Cons
- Trip cancellation and interruption insurance, two great benefits are missing from this card.
- Not the best card for gas purchases.
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.
vs MBNA True Line® Gold Mastercard®
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vs Neo World Elite® Mastercard®
vs American Express Platinum Card®
vs SimplyCash® Card from American Express
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs BMO CashBack® World Elite® Mastercard®
vs TD® Aeroplan® Visa Infinite Privilege*
vs Scotia Momentum® Visa Infinite* Card
vs PC World Elite Mastercard
vs American Express® Green Card
vs Simplii Financial™ Cash Back Visa* Card
vs RBC ION+ Visa
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs American Express Cobalt® Card
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Credit Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
Legal
*, ††, ‡, ✪, ***, ††††, Terms and Conditions apply.
- This offer is not available for residents of Quebec. For residents of Quebec, please click here.
- Important Notice: Effective from the first day of your statement period beginning September 2025 and reflected on your October 2025 statement
Standard Annual Interest Rates of 21.99% on eligible purchases, 22.99% on balance transfers✪, and 22.99% on cash advances
Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.
The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.
18 Offer Effective as of September 4, 2025. The value of up to $1,400 could be earned in the first year of Account opening and is based on the combined value of:
- $189: annual fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
- $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
- $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
- $825: 165,000 TD Rewards Points earned based on the following requirements:
- Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
- Additional Bonus of 145,000 TD Rewards Points earned when you spend $7,500 within 180 days of Account opening (travel value at Expedia For TD of $725);
- $285: The Visa Airport Companion Program is hosted and managed by Dragonpass International Ltd. (“DragonPass”). The yearly value of up to $285 CA is based on the cost of purchasing a Visa Airport Companion Program membership directly from Dragonpass at a foreign exchange rate of 1.3996 USD. A yearly DragonPass membership costs $99 USD and includes one free airport lounge visit. Each additional visit is valued at $35 USD per person per visit. The foreign exchange rate and fees used for the calculation of a yearly value are as of February 4, 2025 and may change from time to time.
Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.
1 Effective as of September 4, 2025. Account must be approved, open and in Good Standing while this offer is in effect. Welcome Bonus of 20,000 TD Rewards Points ("Welcome Bonus") will be awarded to the TD First Class Travel® Visa Infinite* ("Account") only after the first Purchase is made on the Account. To receive the additional 145,000 TD Rewards Points ("Additional Bonus"), you must make $7,500 in Purchases on your Account, including your first eligible Purchase, within 180 days of Account opening. Rebate of the annual fee is only for the first year for the Primary Cardholder and the first Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder annual fee rebate, you must add your first Additional Cardholder while this offer is in effect. Annual fee rebates will be applied within 2 monthly statements from the date of the statement with the first annual fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available to customers who have activated and/or closed a TD First Class Travel® Visa Infinite* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Welcome Bonus points and Additional Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.