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Side by Side Credit Cards Comparison
TD Cash Back Visa* CardVSTD Cash Back Visa Infinite* Card
Which one is better?
TD Cash Back Visa* Card
2.7
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
TD Cash Back Visa Infinite* Card
3.9
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
N/A
Welcome Bonus
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. 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†. - 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†. - 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 Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Rewards Breakdown
Annual Rewards
$163.54
First Year Bonus Value
+
$0
Annual Fee
-
$0
First Year Value
$163.54
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$411.06
First Year Bonus Value
+
$105
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$516.06
$272.06 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†.
- Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions apply.
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†!
Insurance Included
Extended Warranty†
Up to 1 year
Purchase Protection†
90 days
Insurance Included
Extended Warranty†
1 yearPurchase Protection†
90 days
Lost or Stolen Baggage†
$1000
Baggage Delay†
$1000.svg)
Car Rental Damage & Theft†
Included
Mobile Device Insurance†
$1000
Travel Medical Insurance†
$2M, 10 daysTravel Medical Insurance (65+)†
$2M, 4 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
Extra Benefits
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra 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)
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$0
Annual Fee
$139
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Is this card worth it?
The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.
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.
Pros
- No annual fee
- Decent cashback
- Flexible redemptions
Pros
- Roadside assistance
- First-year fee rebate
Cons
- Low base earn rate
- Limited insurance
Cons
- Low base earn rate
- Basic travel 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.