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Side by Side Credit Cards Comparison
TD Cash Back Visa* CardVSTD Platinum Travel Visa* Card
Which one is better?
TD Cash Back Visa* Card
1.9
TD Platinum Travel Visa* Card
2.4
Welcome Bonus
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025. Earn $10 in Cash Back Dollars on first purchase with your card†. Earn an additional $40 in Cash Back Dollars when you reach a spend of $1,500 in the first 3 months of account opening†. Cash Back Dollars can be redeemed to help pay down your account balance†.
Welcome Bonus
Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and no annual fee for the first year†. Conditions apply. Offer effective as of January 7, 2025. 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 $1,000 within 90 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.
Rewards Breakdown
Annual Rewards
$148.67
First Year Bonus Value
+
$50
Annual Fee
-
$0
First Year Value
$198.67
$148.67 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$195.8
TD Rewards
First Year Bonus Value
+
$75
TD Rewards
Annual Fee
-
$89
$0
First Year Rebated
First Year Value
$270.8
$106.8 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.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
How to Earn Rewards
- 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†.
Insurance Included
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Insurance Included
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
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Hotel Burglary Insurance
$2,500Flight Delay
$500
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 and 50% more Aeroplan points at participating Starbucks stores
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$0
Annual Fee
$89
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
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
Travel via Expedia
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?
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?
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
- No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
- 1% cash back on essential categories like gas, groceries, and recurring bills.
- Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
- Complimentary extended warranty and purchase protection insurance.
Pros
- 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
- Annual fee rebate for the first year, providing savings during the first year of card ownership.
- No minimum income requirement, making it accessible for a wide range of applicants.
- Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.
Cons
- Only 0.5% cash back on all other purchases, which is lower than some competitors.
- Limited insurance coverage compared to premium cash back cards.
Cons
- TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
- Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
- No trip cancellation insurance included, which may be a drawback for frequent travelers.
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.