TD Cash Back Visa* Card vs TD Platinum Travel 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 $370 in value†, including up to 50,000 TD Rewards Points† and receive an Annual Fee rebate for the first year†. Conditions apply.
- Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
- 35,000 TD Rewards Points when you spend $3,000 within 180 days of Account opening†.
- 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 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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
$335
$154
Every year after
$171
TD Platinum Travel is worth $182 more to you in year one.
It stays ahead after that, by $18 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
$260.44
52,088 points a year
Welcome bonus
+ $75
first year only
Annual fee
$89− $0
$89 from year two
First-year value
$335.44
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
4.5xFood and drinks, Groceries
21,505 pts
$107.53
3xRecurring Transactions
4,631 pts
$23.16
6xExpedia
696 pts
$3.48
1.5xAll other purchases
25,256 pts
$126.28
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:
N/A
Min Household Income:
N/A
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 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
- Earn 1.5 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
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†
$2,500Flight 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.
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 Platinum Travel Visa* Card is a solid choice for individuals looking for travel rewards and flexibility without a high annual fee. Its first-year fee waiver, valuable welcome bonus, and comprehensive insurance package make it a strong contender in the travel card category. However, the lower point value and lack of trip cancellation insurance may be a drawback for frequent travelers.
Pros
Pros
- No annual fee
- Decent cashback
- Flexible redemptions
- High travel rewards
- First-year fee rebate
- No income requirements
- Comprehensive insurance
Cons
Cons
- Low base earn rate
- Limited insurance
- Low point value
- Low non-travel return
- Missing key insurance categories
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.
