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
4.0
RECOMMENDED CREDIT SCORE*

TD First Class TravelĀ® Visa Infinite* Card
4.7
RECOMMENDED CREDIT SCORE*
Welcome Bonus
Earn up toĀ $600Ā in totalĀ valueā ,Ā which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a totalĀ spendĀ of $3,500ā Ā and receive an Annual Fee rebate for the firstĀ yearā .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 madeā .Ā
- Receive 24/7 Roadside Assistance with Free Deluxe TD Auto ClubĀ membershipā .Ā
- Get an annual fee rebate for the firstĀ yearā .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OfferĀ may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwiseĀ indicated.Ā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 valueā ,Ā including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first yearā and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Cardā .
- Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account openingā .
- Get an Annual Fee Rebate for the first yearā .
- Get an annual TD Travel Creditā Ā of $100 when you book at Expedia® For TD.
- Earn a Birthday Bonus of up to 10,000 TD Rewards pointsā .
- 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)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 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
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.ā (max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchasesā . (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 yoursā !
- Earn more at Starbucks:Ā Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.āÆāÆĀ
How to Earn Rewards
- Earn 8 TD Rewards Pointsā for every $1 you spend when you book travel through ExpediaĀ® For TDā
- Earn 6 TD Rewards Pointsā for every $1 you spend on Groceries, Dining, and Public Transitā
- Earn 4 TD Rewards Pointsā for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Mediaā
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Cardā plus earn an annual Birthday Bonusā 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 or Stolen Baggageā
$1000Baggage Delayā
$1000Car Rental Damage & Theftā
IncludedMobile Device Insuranceā
$1000Extended Warrantyā
1 yearPurchase Protectionā
90 daysTravel Medical Insurance (64 & under)ā
$2M, 10 daysTravel Medical Insurance (65 to 75)ā
$2M, 4 days
Insurance Included
Lost or Stolen Baggageā
$1,000Baggage Delayā
$1,000Car Rental Damage & Theftā
yesMobile Device Insuranceā
$1,000Extended Warrantyā
Up to 1 yearPurchase Protectionā
90 daysTravel Medical Insurance (64 & under)ā
21 daysTravel Medical Insurance (65 to 75)ā
4 daysCommon Carrier Travel Accident Insuranceā
$500,000Hotel Burglary Insuranceā
$2,500Trip Cancellationā
$1,500Trip Interruptionā
$5,000Flight Delayā
$500
Extra Benefits
Car Rental Discountā
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefitsā
Concierge Servicesā
Extra pointsā
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions applyRoadside Assistanceā
Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership
Extra Benefits
Car Rental Discountā
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefitsā
Concierge Servicesā
Extra pointsā
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.ĀAirport Lounge - Dragon Passā
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion ProgramAnnual Birthday Bonusā
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsTravel Creditā
Get an annual TD Travel Credit of $100 when you book at Expedia For TDGolf Benefitā
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
ExpediaĀ® For TD
0.5Ā¢ / pointTravel
0.44Ā¢ / pointEducation
0.4Ā¢ / point
Amazon.ca
0.33Ā¢ / pointStatement Credits (Cash)
0.25Ā¢ / pointGift Cards
0.25Ā¢ / pointMerchandise
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
vs TD Rewards Visa* Card
vs TDĀ® AeroplanĀ® Visa Platinum* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa* Card
vs TDĀ® AeroplanĀ® Visa Infinite Privilege* Credit Card
vs MBNA Rewards World EliteĀ® MastercardĀ®
vs American Express Gold Rewards CardĀ®
vs Rogers Red World EliteĀ® Mastercard
vs Scotiabank PassportĀ® Visa Infinite +* Card
vs TD AeroplanĀ® Visa Infinite* Card
vs American Express CobaltĀ® Card
Legal
ā 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.
ā 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.