Working hard in the background...
Side by Side Credit Cards Comparison
TD First Class TravelĀ® Visa Infinite* CardVSAmerican Express Platinum CardĀ®
Which one is better?
TD First Class TravelĀ® Visa Infinite* Card
4.7
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660āGood
725āVery Good
760āExcellent
American Express Platinum CardĀ®
4.6
RECOMMENDED CREDIT SCORE*
300Poor
693Fair
743āGood
790āVery Good
833āExcellent
Welcome Bonus
Earn up toĀ $1,400 in valueā ,Ā including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first yearā and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Cardā .
- Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account openingā .
- Earn a Birthday Bonus of up to 10,000 TD Rewards pointsā .
- Get an annual TD Travel Creditā Ā of $100 when you book at ExpediaĀ®Ā For TD.
- Get an Annual Fee Rebate for the first yearā .
- 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)ā .
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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Welcome Bonus
- Earn up to 100,000 Membership RewardsĀ® points - thatās up to $1,000 towards a weekend away
- New PlatinumĀ® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
- Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
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 8 TD Rewards Pointsā for every $1 you spend when you book travel through ExpediaĀ® For TDā
- Earn 6 TD Rewards Pointsā for every $1 you spend on Groceries, Dining, and Public Transitā
- Earn 4 TD Rewards Pointsā for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Mediaā
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Cardā plus earn an annual Birthday Bonusā of up to 10,000 TD Rewards Points
- Earn more at Starbucks:Ā Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.Ā
How to Earn Rewards
- 2x points per $1 spent on eligible dining & food delivery purchases (restaurant, fast food, coffee shop, food delivery)
- 2x points per $1 spent on eligible travel purchases (flights, hotels, tours and more)
- 1x point per $1 spent for all other purchases
Insurance Included
Lost or Stolen Baggageā
$1,000
Baggage Delayā
$1,000.svg?dpl=dpl_AMWwVeZRiLLbp11x8AbTASxRsfq2)
Car Rental Damage & Theftā
yes
Common Carrier Travel Accident Insuranceā
$500,000
Extended Warrantyā
Up to 1 year
Purchase Protectionā
90 days
Hotel Burglary Insuranceā
$2,500
Travel Medical Insurance (64 & under)ā
21 days
Trip Cancellationā
$1,500
Trip Interruptionā
$5,000Flight Delayā
$500
Mobile Device Insuranceā
$1,000Travel Medical Insurance (65 to 75)ā
4 days
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
YesCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
120 daysHotel Burglary Insurance
$1000Travel Medical Insurance (64 & under)
15 daysTrip Cancellation
$2,500Trip Interruption
$2,500Flight Delay
$1,000
Extra Benefits
.svg?dpl=dpl_AMWwVeZRiLLbp11x8AbTASxRsfq2)
Concierge Servicesā
Extra pointsā
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.Ā.svg?dpl=dpl_AMWwVeZRiLLbp11x8AbTASxRsfq2)
Travel Creditā
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Car Rental Discountā
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefitsā
Airport Lounge - Dragon Passā
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Birthday Bonusā
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Golf Benefitā
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
Extra Benefits
Concierge Services
Extra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offersTravel Credit
$200
Trip and legal Assistance
American ExpressĀ® Experiences
.svg?dpl=dpl_AMWwVeZRiLLbp11x8AbTASxRsfq2)
Status lift
Upgrade to Hilton Honors Gold StatusStatus lift
Upgrade to Marriott BonvoyTM Gold Elite status
Dining Credit
$200 at Select Restaurants
Nexus Program Rebate
$100 statement credit every 4 yearsAirport Lounge - American Express Global Lounge
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,400 airport lounges worldwide. This includes The CenturionĀ® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience. Terms and Conditions apply
Complimentary Hotel Benefits
Enjoy complimentary benefits that offer an average value of $550 USD at over 1,600 extraordinary properties worldwide when you book Fine Hotels + Resorts
Priority Travel
At Toronto Pearson Airport get Priority Security lane, Complimentary valet and 15% discount at the Express Park and daily park
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99% - 30%2
Cash Advance:
N/A2
2 This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 29.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$799
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
Loyalty Program
Point Redemption Options
Amazon.ca
0.33Ā¢ / point
Statement Credits (Cash)
0.25Ā¢ / point
Gift Cards
0.25Ā¢ / point
Merchandise
0.225Ā¢ / pointMost Optimal
ExpediaĀ® For TD
0.5Ā¢ / point
Travel
0.4Ā¢ / point
Education
0.4Ā¢ / point
Point Redemption Options
Statement Credits (Cash)
1Ā¢ / pointGift Cards
0.91Ā¢ / pointAmazon.ca
0.7Ā¢ / pointMerchandise
0.63Ā¢ / point
Transfer to Airline Partners
1.9Ā¢ / pointFixed Point Travel Program
1.16Ā¢ / pointTransfer to Hotel Partners
1.08Ā¢ / point.svg?dpl=dpl_AMWwVeZRiLLbp11x8AbTASxRsfq2)
Flexible Points Travel Program
1Ā¢ / point
Is this card worth it?
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.
Is this card worth it?
If you're a frequent traveler, the Platinum card is an excellent choice. It's highly recommended for its extensive travel benefits, including unlimited lounge access for you and a guest at the American Express Lounge collection, making it the best card for lounge access in Canada. The card also offers unique perks not commonly found with other Canadian cards, such as status upgrades at Marriott Bonvoy and Hilton, dining and travel credits, concierge service, airport benefits, Nexus application reimbursement, and more. These benefits can more than offset the annual fee. However, if you don't travel often or are mainly looking for a card that maximizes rewards, this card may not be the best option for you.
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Pros
- Most premium perks
- Dining and travel credits
- Unlimited airport lounge access
- Multiple redemption options
- Comprehensive coverage
- Luxurious metal card
- Instant decision. No credit impact.
Cons
- High income requirements
- Low point value
- Potentially week booking portal
Cons
- High annual fee
- Limited acceptance
- Benefit limitations
vs TD Rewards Visa* Card
vs TDĀ® AeroplanĀ® Visa Platinum* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TDĀ® AeroplanĀ® Visa Infinite Privilege* Credit Card
vs MBNA Rewards World EliteĀ® MastercardĀ®
vs American Express Gold Rewards CardĀ®
vs Rogers Red World EliteĀ® Mastercard
vs Scotiabank PassportĀ® Visa Infinite+* Card
vs TD AeroplanĀ® Visa Infinite* Card
vs American Express CobaltĀ® Card
vs Marriott BonvoyĀ® American ExpressĀ®* Card
vs SimplyCashĀ® Card from American Express
vs American ExpressĀ® AeroplanĀ®* Reserve Card
vs American ExpressĀ® AeroplanĀ®* Card
vs Scotia MomentumĀ® Visa* Card
vs SimplyCashā¢ Preferred Card from American Express
vs MBNA Rewards World EliteĀ® MastercardĀ®
vs American ExpressĀ® Green Card
vs American Express Gold Rewards CardĀ®
vs Rogers Red World EliteĀ® Mastercard
vs Scotiabank PassportĀ® Visa Infinite+* Card
vs Scotiabank Gold American ExpressĀ® Card
vs Rogers Red Mastercard
vs TD AeroplanĀ® Visa Infinite* Card
vs American Express CobaltĀ® Card
Legal
ā 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.
This Charge Card requires full payment of the Due in Full balance each month, with a 30% interest rate on late payments. The Flexible Payment Option balance has a 21.99% interest rate, which increases to 25.99% after two missed payments and 29.99% after three or more within 12 months. A 21-day interest-free grace period applies to new transactions if the full balance is paid by the due date.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.