TD Cash Back Visa* Card vs TD First Class Travel® Visa Infinite* 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 $1,400 in value†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Get an Annual Fee Rebate for the first year†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
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 Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
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.
$154
First-year value
$1,302
$154
Every year after
$313
TD First Class Travel is worth $1,148 more to you in year one.
It stays ahead after that, by $159 a year.
How the first year adds up
Annual rewards
$153.56
cash back a year
Welcome bonus
+ $0
no welcome offer
Annual fee
− $0
no annual fee
First-year value
$153.56
Annual rewards
$451.97
90,394 points a year
Welcome bonus
+ $800
first year only
Annual fee
$139− $0
$139 from year two
Finly rebate
paid by FinlyWealth
First-year value
$1,301.97
Where each card earns
A year of your spending at each card's own reward rates, most first.
1%Groceries, Gas
$50
1%Recurring Transactions
$24
0.5%All other purchases
$79.56
6xFood and drinks, Groceries
44,532 pts
$222.66
4xRecurring Transactions
9,600 pts
$48
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
8,218 pts
$41.09
8xExpedia
1,440 pts
$7.2
2xAll other purchases
26,604 pts
$133.02
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:
N/A
Min Household Income:
N/A
Min Personal Income:
$60,000
Min Household Income:
$100,000
How each card earns
The earn rates and caps, as each issuer sets them.
- 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.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
- Earn more at Starbucks: 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
Extended Warranty†
Up to 1 year
Purchase Protection†
90 days
Extended Warranty†
Up to 1 yearPurchase Protection†
90 days
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,000
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance (64 & under)†
21 daysTravel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Perks
Perks
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points†
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 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.
Visa Infinite Exclusive Benefits†
Airport Lounge - Dragon Pass†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Concierge Services†
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Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Golf Benefit†
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
Our take
Why we like it
Why we like 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.
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
Pros
- No annual fee
- Decent cashback
- Flexible redemptions
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Cons
Cons
- Low base earn rate
- Limited insurance
- High income requirements
- Low point value
- Potentially week booking portal
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.
