TD First Class Travel® Visa Infinite* Card

TD Platinum Travel Visa* Card

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TD First Class Travel® Visa Infinite* Card vs TD Platinum Travel Visa* Card

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

Finly rebate

$50

4.7

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3.5

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Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

The offer

Earn up to $1,400 in value^†, 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn up to $370 in value^†, including up to 50,000 TD Rewards Points^† and receive an Annual Fee rebate for the first year^†. Conditions apply.

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 $3,000 within 180 days of Account opening^†.
Get an Annual Fee Rebate for the first year^†.

Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.

What each card is worth

Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.

Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.

$1,302

First-year value

$335

$313

Every year after

$171

TD First Class Travel is worth $967 more to you in year one.

It stays ahead after that, by $142 a year.

How the first year adds up

Annual rewards

$451.97

90,394 points a year

Welcome bonus

+ $800

first year only

Annual fee

$139− $0

$139 from year two

Finly rebate

+ $50

paid by FinlyWealth

First-year value

$1,301.97

0.5¢ a pointTD Rewards, redeemed for Expedia® For TD

Annual rewards

$260.44

52,088 points a year

Welcome bonus

+ $75

first year only

Annual fee

$89− $0

$89 from year two

First-year value

$335.44

0.5¢ a pointTD Rewards, redeemed for Expedia® For TD

Where each card earns

A year of your spending at each card's own reward rates, most first.

6xFood and drinks, Groceries

44,532 pts

$222.66

4xRecurring Transactions

9,600 pts

$48

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

8,218 pts

$41.09

8xExpedia

1,440 pts

$7.2

2xAll other purchases

26,604 pts

$133.02

4.5xFood and drinks, Groceries

21,505 pts

$107.53

3xRecurring Transactions

4,631 pts

$23.16

6xExpedia

696 pts

$3.48

1.5xAll other purchases

25,256 pts

$126.28

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$139

$0 the first year

Annual fee

$89

$0 the first year

$50 first card then $0 for more

Additional cards

$35 first card then $0 for more

Interest rates

Purchase:

21.99%

Cash Advance:

22.99%

Purchase:

21.99%

Cash Advance:

22.99%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®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: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

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

Points and how we value them

Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.

Loyalty program

TD Rewards

We count each point at 0.5¢ a point, what it's worth redeemed for Expedia® For TD, its best value. Every dollar figure above uses that value.

TD Rewards

We count each point at 0.5¢ a point, what it's worth redeemed for Expedia® For TD, its best value. Every dollar figure above uses that value.

Point redemption options

Most Optimal

Expedia® For TD

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

Most Optimal

Expedia® For TD

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

Insurance and perks

What both cards include comes first in each list.

Insurance

Lost or Stolen Baggage^†

$1,000

Baggage Delay^†

$1,000

Car Rental Damage & Theft^†

yes

Common Carrier Travel Accident Insurance^†

$500,000

Mobile Device Insurance^†

$1,000

Extended Warranty^†

Up to 1 year

Purchase Protection^†

90 days

Hotel Burglary Insurance^†

$2,500

Flight Delay^†

$500

Travel Medical Insurance (64 & under)^†

21 days

Travel Medical Insurance (65 to 75)^†

4 days

Trip Cancellation^†

$1,500

Trip Interruption^†

$5,000

Lost or Stolen Baggage^†

$1,000

Baggage Delay^†

$1,000

Car Rental Damage & Theft^†

yes

Common Carrier Travel Accident Insurance^†

$500,000

Mobile Device Insurance^†

$1,000

Extended Warranty^†

Up to 1 year

Purchase Protection^†

90 days

Hotel Burglary Insurance^†

$2,500

Flight Delay^†

$500

Perks

Car Rental Discount^†

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

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.

Visa Infinite Exclusive Benefits^†

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

Annual Birthday Bonus^†

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

Concierge Services^†

Travel Credit^†

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

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

Car Rental Discount^†

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

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.

Our take

Why we like 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.

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

High rewards
First-year fee rebate
Extensive insurance
Annual travel credit

High travel rewards
First-year fee rebate
No income requirements
Comprehensive insurance

Cons

High income requirements
Low point value
Potentially week booking portal

Low point value
Low non-travel return
Missing key insurance categories

More comparisons

Other cards we've put each of these up against.

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.