TD Cash Back Visa Infinite* Card vs TD Low Rate Visa* Credit Card
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
Earn up to $600 in total value†, which includes 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500† and receive an Annual Fee rebate for the first year†. Conditions apply.
- Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†.
- Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership†.
- Get an annual fee rebate for the first year†.
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.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening and receive an Annual Fee rebate for the first year†. Conditions Apply.
Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
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.
$605
First-year value
Doesn't earn rewards
$266
Every year after
Doesn't earn rewards
Only TD Cash Back Visa Infinite* Card earns rewards we can work out.
Compare the fees, rates and perks below.
How the first year adds up
Annual rewards
$404.56
cash back a year
Welcome bonus
+ $150.01
first year only
Annual fee
$139− $0
$139 from year two
Finly rebate
paid by FinlyWealth
First-year value
$604.57
No figures for this card.
Where each card earns
A year of your spending at each card's own reward rates, most first.
3%Groceries, Gas
$156.37
3%Recurring Transactions
$72
3%Rental Car & Taxi, Public Transportation
$28.8
1%All other purchases
$147.39
Doesn't earn rewards
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99%
Cash Advance:
22.99%
Purchase:
12.90%
Cash Advance:
12.90%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
- 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: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
Extended Warranty†
1 year
Purchase Protection†
90 days
Lost or Stolen Baggage†
$1000
Baggage Delay†
$1000.svg)
Car Rental Damage & Theft†
Included
Mobile Device Insurance†
$1000
Travel Medical Insurance (64 & under)†
$2M, 10 daysTravel Medical Insurance (65 to 75)†
$2M, 4 days
Extended Warranty†
1 yearPurchase Protection†
90 days
Perks
Perks
Extra points†
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits†
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Concierge Services†
Roadside Assistance†
Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership
Extra points†
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
Our take
Why we like it
Why we like 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.
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
Pros
- Roadside assistance
- First-year fee rebate
- Low annual fee
- Lower annual interest rate
Cons
Cons
- Low base earn rate
- Basic travel insurance
- No rewards
More comparisons
Other cards we've put each of these up against.
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.
