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

TD First Class TravelĀ® Visa Infinite* Card


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660āŽ
Good
725āŽ
Very Good
760āŽ
Excellent
āŽEstimates based on Equifax scoring

TD Low Rate Visa* Card

TD Low Rate Visa* Credit Card


RECOMMENDED CREDIT SCORE*

300
Poor
560āŽ
Fair
660āŽ
Good
725āŽ
Very Good
760āŽ
Excellent
āŽEstimates based on Equifax scoring

Welcome Bonus

Earn up toĀ $1,400Ā in value†,Ā including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
  • Get an Annual Fee Rebate for the first year†.
  • Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
  • 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)†.

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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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 months† from Account opening and receive an Annual Fee rebate for the first year†. 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

View Offer

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 Points† for every $1 you spend when you book travel through ExpediaĀ® For TD†
  • Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
  • Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
  • Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† 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%† for Purchases and Cash Advance transactions.
  • Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
  • Earn more Starbucks Stars at participating StarbucksĀ® stores. Conditions apply.  
  • Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.

Insurance Included

  • extended warranty

    Extended Warranty†

    Up to 1 year
  • purchase protection

    Purchase Protection†

    90 days

  • lost baggage

    Lost or Stolen Baggage†

    $1,000
  • hourglass timer

    Baggage Delay†

    $1,000
  • car insurance

    Car Rental Damage & Theft†

    yes
  • heart lock

    Common Carrier Travel Accident Insurance†

    $500,000
  • mobile device insurance

    Mobile Device Insurance†

    $1,000
  • burglar

    Hotel Burglary Insurance†

    $2,500
  • travel accident medical

    Travel Medical Insurance (64 & under)†

    21 days
  • travel accident medical

    Travel Medical Insurance (65 to 75)†

    4 days
  • cancel airplane

    Trip Cancellation†

    $1,500
  • pause

    Trip Interruption†

    $5,000
  • hourglass timer

    Flight Delay†

    $500

Insurance Included

  • extended warranty

    Extended Warranty†

    1 year
  • purchase protection

    Purchase Protection†

    90 days

Extra Benefits

  • reward cup

    Extra points†

    Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.Ā 

  • car rental

    Car Rental Discount†

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa Infinite Exclusive Benefits†

  • alcohol cheers

    Airport Lounge - Dragon Pass†

    Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
  • birthday cake

    Annual Birthday Bonus†

    Earn a Birthday Bonus of up to 10,000 TD Rewards Points
  • concierge

    Concierge Services†

  • travel

    Travel Credit†

    Get an annual TD Travel Credit of $100 when you book at Expedia For TD
  • golf clubs

    Golf Benefit†

    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

  • reward cup

    Extra points†

    Earn more Starbucks Stars at participating StarbucksĀ® stores. Conditions apply. 

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

    expedia

    ExpediaĀ® For TD

    0.5Ā¢ / point
  • travel - plane

    Travel

    0.44Ā¢ / point
  • education

    Education

    0.4Ā¢ / point
  • amazon logo

    Amazon.ca

    0.33Ā¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25Ā¢ / point
  • gift card

    Gift Cards

    0.25Ā¢ / point
  • online shop

    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

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.