Rogers Red World Elite® Mastercard

TD First Class Travel® Visa Infinite* Card

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Rogers Red World Elite® Mastercard vs TD First Class Travel® Visa Infinite* Card

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

4.5

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Finly rebate

$50

4.7

Apply now Get $50 Finly rebate

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Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

The offer

Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.

Earn up to $1,400 in value^†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†.
Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening^†.
Get an Annual Fee Rebate for the first year^†.
Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.
Earn a Birthday Bonus of up to 10,000 TD Rewards points^†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.

What each card is worth

Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.

Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.

$360

First-year value

$1,302

$360

Every year after

$313

TD First Class Travel is worth $942 more to you in year one.

From year two, Rogers Red World Elite pulls ahead by $47 a year.

How the first year adds up

Rogers Red World Elite

Rogers, Fido, Shaw or Comwave customer?

Eligible customers unlock boosted rewards on this card

+$120

Annual rewards

$360

cash back a year

Welcome bonus

+ $0

no welcome offer

Annual fee

− $0

no annual fee

First-year value

$360

Annual rewards

$451.97

90,394 points a year

Welcome bonus

+ $800

first year only

Annual fee

$139− $0

$139 from year two

Finly rebate

+ $50

paid by FinlyWealth

First-year value

$1,301.97

0.5¢ a pointTD Rewards, redeemed for Expedia® For TD

Where each card earns

A year of your spending at each card's own reward rates, most first.

1.5%All other purchases

$360

6xFood and drinks, Groceries

44,532 pts

$222.66

4xRecurring Transactions

9,600 pts

$48

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

8,218 pts

$41.09

8xExpedia

1,440 pts

$7.2

2xAll other purchases

26,604 pts

$133.02

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

Annual fee

$139

$0 the first year

Additional cards

$50 first card then $0 for more

Interest rates

Purchase:

21.99% - 25.99%¹

Cash Advance:

22.99% - 27.99%¹

Balance Transfer:

22.99% - 27.99%¹

¹ Standard rate on Purchases and Fees: 21.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, Rogers Bank may still issue you an Account at their alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%.

Purchase:

21.99%

Cash Advance:

22.99%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Min Personal Income:

$60,000

Min Household Income:

$100,000

How each card earns

The earn rates and caps, as each issuer sets them.

Earn 2% cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1.5% cash back on eligible non-U.S. dollar purchases.
Plus, earn up to 3% cash back on eligible U.S. dollar purchases.

Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^†
Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^†
Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points
Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Points and how we value them

Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.

Loyalty program

Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.

TD Rewards

We count each point at 0.5¢ a point, what it's worth redeemed for Expedia® For TD, its best value. Every dollar figure above uses that value.

Point redemption options

Nothing to redeem: it pays cash back.

Most Optimal

Expedia® For TD

0.5¢ / point

Travel

0.44¢ / 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

Insurance and perks

What both cards include comes first in each list.

Insurance

Car Rental Damage & Theft

31 days, $65,000 car MSRP

Extended Warranty

1 year

Purchase Protection

90 days

Travel Medical Insurance (64 & under)

Up to 10 days

Travel Medical Insurance (65 to 75)

Up to 3 days

Trip Cancellation

$1,000/person, $5,000 maximum

Trip Interruption

$1,000/person, $5,000 maximum

Car Rental Damage & Theft^†

yes

Extended Warranty^†

Up to 1 year

Purchase Protection^†

90 days

Travel Medical Insurance (64 & under)^†

21 days

Travel Medical Insurance (65 to 75)^†

4 days

Trip Cancellation^†

$1,500

Trip Interruption^†

$5,000

Lost or Stolen Baggage^†

$1,000

Baggage Delay^†

$1,000

Common Carrier Travel Accident Insurance^†

$500,000

Mobile Device Insurance^†

$1,000

Hotel Burglary Insurance^†

$2,500

Flight Delay^†

$500

Perks

Airport Lounge - Dragon Pass

Discounted access to over 1300 airport lounges with Mastercard Travel Pass. Pass only, complimentary visits not included.

Roam Like Home Days

Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.

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

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

Concierge Services^†

Extra points^†

Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

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

Our take

Why we like it

This card is one of the best in Canada, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback rate, which competitive against other no-fee contenders. Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

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

Top no-fee contender
Member earning boosts
USD optimization
Comprehensive coverage
Airport lounge membership
Roam Like Home days

High rewards
First-year fee rebate
Extensive insurance
Annual travel credit

Cons

High income requirements
Annual spending caps

High income requirements
Low point value
Potentially week booking portal

More comparisons

Other cards we've put each of these up against.

Legal

Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com. ®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.

^†Terms and conditions apply.

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.