Side by Side Credit Cards Comparison

TD Cash Back Visa Infinite* CardVSTD First Class TravelĀ® Visa Infinite* Card

Which one is better?


TD Cash Back Visa Infinite* Card

TD Cash Back Visa Infinite* Card


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660āŽ
Good
725āŽ
Very Good
760āŽ
Excellent
āŽEstimates based on Equifax scoring

TD First Class TravelĀ® Visa Infinite* Card

TD First Class TravelĀ® Visa Infinite* Card


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660āŽ
Good
725āŽ
Very Good
760āŽ
Excellent
āŽEstimates based on Equifax scoring

Welcome Bonus

Earn up toĀ $600Ā in totalĀ value†,Ā which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a totalĀ spendĀ of $3,500† and receive an Annual Fee rebate for the firstĀ year†.Ā Conditions apply.Ā Ā 


  • Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring BillĀ Payments, and Streaming, Digital Gaming & Media Purchases, until a total collectiveĀ spendĀ of $3,500 of such purchasesĀ haveĀ beenĀ made†.Ā 
  • Receive 24/7 Roadside Assistance with Free Deluxe TD Auto ClubĀ membership†.Ā 
  • Get an annual fee rebate for the firstĀ year†.Ā 

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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.Ā 

Ā 

OfferĀ may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwiseĀ indicated.Ā 

Welcome Bonus

Earn up toĀ $1,400Ā in value†,Ā 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.

Our Cash Offer

$50 Cash Rebate offer from FinlyWealth

View Offer

Our Cash Offer

$50 Cash Rebate offer from FinlyWealth

View Offer

Rewards Breakdown

Rewards breakdown is not available for this card.

Rewards Breakdown

Rewards breakdown is not available for this card.

How to Earn Rewards

  • Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
  • Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
  • Earn 1% in Cash Back Dollars on all other Purchases
  • Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
  • Earn more at Starbucks:Ā Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.   

How to Earn Rewards

  • Earn 8 TD Rewards Points† for every $1 you spend when you book travel through ExpediaĀ® 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:Ā Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.Ā 

Insurance Included

  • lost baggage

    Lost or Stolen Baggage†

    $1000
  • hourglass timer

    Baggage Delay†

    $1000
  • car insurance

    Car Rental Damage & Theft†

    Included
  • mobile device insurance

    Mobile Device Insurance†

    $1000
  • extended warranty

    Extended Warranty†

    1 year
  • purchase protection

    Purchase Protection†

    90 days
  • travel accident medical

    Travel Medical Insurance (64 & under)†

    $2M, 10 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)†

    $2M, 4 days

Insurance Included

  • lost baggage

    Lost or Stolen Baggage†

    $1,000
  • hourglass timer

    Baggage Delay†

    $1,000
  • car insurance

    Car Rental Damage & Theft†

    yes
  • mobile device insurance

    Mobile Device Insurance†

    $1,000
  • extended warranty

    Extended Warranty†

    Up to 1 year
  • purchase protection

    Purchase Protection†

    90 days
  • travel accident medical

    Travel Medical Insurance (64 & under)†

    21 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)†

    4 days

  • heart lock

    Common Carrier Travel Accident Insurance†

    $500,000
  • burglar

    Hotel Burglary Insurance†

    $2,500
  • cancel airplane

    Trip Cancellation†

    $1,500
  • pause

    Trip Interruption†

    $5,000
  • hourglass timer

    Flight Delay†

    $500

Extra Benefits

  • car rental

    Car Rental Discount†

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

    Visa Infinite Exclusive Benefits†

  • concierge

    Concierge Services†

  • reward cup

    Extra points†

    Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply

  • tire

    Roadside Assistance†

    Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership

Extra Benefits

  • car rental

    Car Rental Discount†

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

    Visa Infinite Exclusive Benefits†

  • concierge

    Concierge Services†

  • reward cup

    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.Ā 

  • alcohol cheers

    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
  • birthday cake

    Annual Birthday Bonus†

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

Interest Rates

Purchase:

21.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

21.99%

Cash Advance:

22.99%

Annual Fee

$139

$0$

$0 first year

Annual Fee

$139

$0$

$0 first year

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Loyalty Program

N/A

Loyalty Program

Point Redemption Options

Not Applicable

Point Redemption Options

  • Most Optimal

    expedia

    ExpediaĀ® For TD

    0.5Ā¢ / point
  • travel - plane

    Travel

    0.44Ā¢ / point
  • education

    Education

    0.4Ā¢ / point
  • amazon logo

    Amazon.ca

    0.33Ā¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25Ā¢ / point
  • gift card

    Gift Cards

    0.25Ā¢ / point
  • online shop

    Merchandise

    0.225Ā¢ / point

Is this card worth it?

This is a great keeper card, especially for recurring bills and subscriptions. A main notable benefit is the roadside assistance, which is a great valuable perk to have.

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

  • Roadside assistance
  • First-year fee rebate

Pros

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

Cons

  • Low base earn rate
  • Basic travel insurance

Cons

  • High income requirements
  • Low point value
  • Potentially week booking portal

Legal


†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.

†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.