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Rogers Red World Elite® Mastercard®

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TD First Class Travel® Visa Infinite* Card

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Rogers Red World Elite® Mastercard® vs TD First Class Travel® Visa Infinite* Card: Which one is better?

Rogers Red World Elite® Mastercard®

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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TD First Class Travel® Visa Infinite* Card

3.9

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Finly Rebate

$60 Cash Rebate from FinlyWealth

Finly Rebate

N/A

Rewards Breakdown

Annual Rewards

$720

First Year Bonus

Annual Fee

First Year Value

$720

Based on $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$401.23

TD Rewards

First Year Bonus

$575

TD Rewards

Annual Fee

$139

First Year Value

$976.23

$262.23 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

Car Rental Damage & Theft

$65,000

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Out of province Medical

$1M, Up to 10 days

Emergency Medical Over 65

$1M, Up to 3 days

Trip Cancellation

$1,000/person, $5,000 maximum

Trip Interruption

$1,000/person, $5,000 maximum

Insurance Included

Car Rental Damage & Theft

yes

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Emergency Out of province Medical

21 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Travel Accident

$500,000

Mobile Device Insurance

$1,000

Hotel Burglary Insurance

$2,500

Flight Delay

$500

Extra Benefits

Airport Lounge - Dragon Pass

Pass only, complimentary visits not included

No Cost roaming

5 days

Extra Benefits

Car Rental Discount

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

Visa Infinite Exclusive Benefits

Annual Birthday Bonus

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

Concierge Services

Extra points

Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

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

Interest Rates

Purchase:

19.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$139

First Year Waived

Income Required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Welcome Bonus

N/A

Welcome Bonus

Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by January 6, 2025.

Rewards Rate

3% cash back on all U.S dollar purchases
2% cash back on all regular purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
1.5% cash back on all purchases if you do not have 1 qualifying service

Rewards Rate

8x points per $1 spent on travel booked online through Expedia for TD
6x points per $1 spent on eligible grocery and restaurant purchases
4x points per $1 spent on eligible recurring bill payments
2x points per $1 spent on all other eligible purchases

Loyalty Program

N/A

Loyalty Program

TD Rewards

Point Redemption Options

Not Applicable

Point Redemption Options

Most Optimal

Travel via Expedia

0.5¢ / point

Travel

0.4¢ / 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?

This card is one of the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

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.

Pros

Voted the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
Many favorable benefits for travelers.
Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your rewards.
The roam-like benefit is a benefit unique only to this card.
It is accepted at nearly all locations as it's a Mastercard.

Pros

Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
First year annual fee rebate, making it free for the first year.
Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.

Cons

Harder to qualify due to the high credit score and income requirements.
Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.

Cons

High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.