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*

TD Low Rate Visa* Credit Card
4.1
RECOMMENDED CREDIT SCORE*
Welcome Bonus
Earn up toĀ $1,400Ā in valueā ,Ā including up to 160,000 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 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account openingā .
- Get an Annual Fee Rebate for the first yearā .
- Get an annual TD Travel Creditā Ā of $100 when you book at Expedia® For TD.
- Earn a Birthday Bonus of up to 10,000 TD Rewards pointsā .
- 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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
Get a 0% promotional interest rate on Purchases for the first 6 monthsā from Account opening and receive an Annual Fee rebate for the first yearā . Conditions Apply.
Rebate of the Annual Fee is only for the first year for the Primary Cardholder. To receive the first-year Annual Fee rebate for the Primary Cardholder, you must apply, activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
Our Cash Offer
$50 Cash Rebate offer from FinlyWealth
Our Cash Offer
N/A
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
With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.Ā
- 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 more Starbucks Stars at participating StarbucksĀ® stores. Conditions apply.āÆĀ
- 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 yearPurchase Protectionā
90 daysLost or Stolen Baggageā
$1,000Baggage Delayā
$1,000Car Rental Damage & Theftā
yesCommon Carrier Travel Accident Insuranceā
$500,000Mobile Device Insuranceā
$1,000Hotel Burglary Insuranceā
$2,500Travel Medical Insurance (64 & under)ā
21 daysTravel Medical Insurance (65 to 75)ā
4 daysTrip Cancellationā
$1,500Trip Interruptionā
$5,000Flight Delayā
$500
Insurance Included
Extended Warrantyā
1 yearPurchase Protectionā
90 days
Extra Benefits
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.ĀCar Rental Discountā
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa 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 ProgramAnnual Birthday Bonusā
Earn a Birthday Bonus of up to 10,000 TD Rewards PointsConcierge Servicesā
Travel Creditā
Get an annual TD Travel Credit of $100 when you book at Expedia For TDGolf 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 more Starbucks Stars at participating StarbucksĀ® stores. Conditions apply.āÆ
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Annual Fee
$139
$0$
$0 first year
Annual Fee
$25
$0$
$0 first year
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¢ / pointTravel
0.44Ā¢ / pointEducation
0.4Ā¢ / point
Amazon.ca
0.33Ā¢ / pointStatement Credits (Cash)
0.25Ā¢ / pointGift Cards
0.25Ā¢ / pointMerchandise
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
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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
Legal
ā Terms and conditions apply.
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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.