Side by Side Credit Cards Comparison
TD Cash Back Visa Infinite* CardVSTD Rewards Visa* Card
Which one is better?
TD Cash Back Visa Infinite* Card
4.0
RECOMMENDED CREDIT SCORE*
TD Rewards Visa* Card
2.8
RECOMMENDED CREDIT SCORE*
Welcome Bonus
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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Welcome Bonus
- 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- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
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: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
How to Earn Rewards
- 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.
Insurance Included
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
Insurance Included
Mobile Device Insurance†
$1,000Extended Warranty†
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 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
Extra Benefits
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.
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
$0
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
Point Redemption Options
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
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 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
- Roadside assistance
- First-year fee rebate
Pros
- No annual fee
- Strong rewards
- Mobile device insurance
- Car rental discounts
Cons
- Low base earn rate
- Basic travel insurance
Cons
- Low point value
- Limited insurance
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.