TD Cash Back Visa Infinite* Card vs TD Rewards Visa* 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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.
$605
First-year value
$211
$266
Every year after
$136
TD Cash Back Visa Infinite* Card is worth $393 more to you in year one.
It stays ahead after that, by $130 a year.
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
Annual rewards
$135.57
27,115 points a year
Welcome bonus
+ $75.76
first year only
Annual fee
− $0
no annual fee
First-year value
$211.33
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
3xFood and drinks, Groceries
4,785 pts
$23.93
2xRecurring Transactions
1,029 pts
$5.15
4xExpedia
155 pts
$0.78
1xAll other purchases
21,146 pts
$105.73
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:
21.99%
Cash Advance:
22.99%
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.
- Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†
- Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants†
- Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†
- Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
- 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
Loyalty program
Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.
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
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
Insurance
Mobile Device Insurance†
$1000
Extended Warranty†
1 year
Purchase Protection†
90 days
Lost or Stolen Baggage†
$1000
Baggage Delay†
$1000.svg)
Car Rental Damage & Theft†
Included
Travel Medical Insurance (64 & under)†
$2M, 10 daysTravel Medical Insurance (65 to 75)†
$2M, 4 days
Mobile Device Insurance†
$1,000Extended Warranty†
Up to 1 yearPurchase Protection†
90 days
Perks
Perks
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points†
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply
Visa Infinite Exclusive Benefits†
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Concierge Services†
Roadside Assistance†
Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membership
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. 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.
The TD Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
Pros
Pros
- Roadside assistance
- First-year fee rebate
- No annual fee
- Strong rewards
- Mobile device insurance
- Car rental discounts
Cons
Cons
- Low base earn rate
- Basic travel insurance
- Low point value
- Limited insurance
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.
