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Side by Side Credit Cards Comparison
TD First Class TravelĀ® Visa Infinite* CardVSTD Low Rate Visa* Credit Card
Which one is better?
TD First Class TravelĀ® Visa Infinite* Card
4.7
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660āGood
725āVery Good
760āExcellent
TD Low Rate Visa* Credit Card
2.9
RECOMMENDED CREDIT SCORE*
300Poor
560āFair
660āGood
725āVery Good
760āExcellent
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 $285)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 Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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
Get a 0% promotional interest rate on Purchases for the first 6 monthsā from Account opening. Conditions Apply. Offer effective as of June 4, 2025.
Rewards Breakdown
Annual Rewards
$470.31
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,295.31
$331.31 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
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
How to Earn Rewards
Feel prepared, even during uncertain times. The TD Low Rate Visa*Ā Card is an option if youāre carrying a balance or if you need to finance bigger or unexpected purchases. Weāre ready to help you move forward.
- Save on interest with a low annual interest rate of 12.90%ā for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insuranceā and Trip Cancellation/Trip Interruption Insuranceā .
- Earn 50% more Stars at participating StarbucksĀ® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Payā or Samsung Payā . It's an easy and secure way to pay.
Insurance Included
Extended Warrantyā
Up to 1 year
Purchase Protectionā
90 days
Lost or Stolen Baggageā
$1,000
Baggage Delayā
$1,000.svg)
Car Rental Damage & Theftā
yes
Common Carrier Travel Accident Insuranceā
$500,000
Mobile Device Insuranceā
$1,000
Hotel Burglary Insuranceā
$2,500
Travel Medical Insuranceā
21 daysTravel Medical Insurance (65+)ā
4 days
Trip Cancellationā
$1,500
Trip Interruptionā
$5,000Flight Delayā
$500
Insurance Included
Extended Warrantyā
1 yearPurchase Protectionā
90 days
Extra Benefits
Extra pointsā
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
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.svg)
Concierge Servicesā
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Travel Creditā
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
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
Extra pointsā
Earn 50% more Stars at participating Starbucks stores
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$25
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
N/A
Point Redemption Options
Most Optimal
ExpediaĀ® For TD
0.5Ā¢ / point
Travel
0.44Ā¢ / point
Education
0.4Ā¢ / point
Amazon.ca
0.33Ā¢ / point
Statement Credits (Cash)
0.25Ā¢ / point
Gift Cards
0.25Ā¢ / point
Merchandise
0.225Ā¢ / point
Point Redemption Options
Not Applicable
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?
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Pros
- Low annual fee
- Lower annual interest rate
Cons
- High income requirements
- Low point value
- Potentially week booking portal
Cons
- No rewards
vs TD Rewards Visa* Card
vs TDĀ® AeroplanĀ® Visa Platinum* Card
vs TD Platinum Travel Visa* 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® MastercardĀ®
vs Scotiabank PassportĀ® Visa Infinite* Card
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.
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.