Side by Side Credit Cards Comparison
TD Low Rate Visa* Credit Card VSTD Platinum Travel Visa* Card
Which one is better?
TD Low Rate Visa* Credit Card
4.1
RECOMMENDED CREDIT SCORE*
TD Platinum Travel Visa* Card
3.5
RECOMMENDED CREDIT SCORE*
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.
Welcome Bonus
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†.
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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Rewards Breakdown
Rewards breakdown is not available for this card.
Rewards Breakdown
Rewards breakdown is not available for this card.
How to Earn Rewards
With the TD Low Rate Visa* Card you can enjoy great financial flexibility for your everyday purchases.
- 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 Starbucks® 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.
How to Earn Rewards
- 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.
Insurance Included
Extended Warranty†
1 year
Purchase Protection†
90 days
Insurance Included
Extended Warranty†
Up to 1 yearPurchase Protection†
90 days
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,000
Hotel Burglary Insurance†
$2,500Flight Delay†
$500
Extra Benefits
Extra points†
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
Extra Benefits
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.
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$25
$0$
$0 first year
Annual Fee
$89
$0$
$0 first year
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
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
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.
Is this card worth it?
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
- Low annual fee
- Lower annual interest rate
Pros
- High travel rewards
- First-year fee rebate
- No income requirements
- Comprehensive insurance
Cons
- No rewards
Cons
- Low point value
- Low non-travel return
- Missing key insurance categories
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.