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TD Cash Back Visa Infinite* Card vs TD Low Rate Visa* Card: Which one is better?
TD Cash Back Visa Infinite* Card
TD Low Rate Visa* Card
Welcome Bonus
3% incremental cashback on gas, groceries, and pre-authorized payments up to $145 in the first 3 months. 4% extra cashback on other purchases up to $110 in the first 3 months.
Welcome Bonus
N/A
Rewards Breakdown
Annual Rewards
$368.38
First Year Bonus Value
+
$105
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$473.38
$229.38 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
How to Earn Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
How to Earn Rewards
- No rewards
- No welcome bonus or promotional interest rate
- Interest changes with prime so you can't setup a fixed amount payment plan
Insurance Included
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
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 65
$2M, 4 days
Insurance Included
Extended Warranty
Doubled Up to 1 yearPurchase Protection
90 days
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points
Earn 50% more Stars at participating Starbucks stores
Visa Infinite Exclusive Benefits
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Concierge Services
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)- 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
Extra Benefits
Car Rental Discount
5% to 10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points
Earn 50% more Stars at participating Starbucks stores
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
12.90%2
Cash Advance:
12.90%2
Balance Transfer:
12.90%2
2 Standard Rate of 24.99% on Purchases or 27.99% on Cash Advances applies if Minimum Payment is not received before or on the payment due date and before we prepare your next monthly statement twice within any 12 consecutive statement periods.
Annual Fee
$139
$0$
First Year Waived
Annual Fee
$25
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Is this card worth it?
We actually don't recommend this card much. For an annual fee, the rewards earned are very mediocre, and the benefit coverage leaves much to be desired. The only notable benefit is the roadside assistance, which can be covered by an alternative, better credit card.
Is this card worth it?
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
- The roadside assistance benefit is nice.
Pros
- Lower annual interest rate compared to most cards
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
Cons
- No rewards
- Small annual fee
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