Rogers Red World Elite® Mastercard® vs TD First Class Travel® Visa Infinite* Card: Which one is better?
Rogers Red World Elite® Mastercard®
5
RECOMMENDED CREDIT SCORE
TD First Class Travel® Visa Infinite* Card
3.9
RECOMMENDED CREDIT SCORE
Finly Rebate
Finly Rebate
N/A
Rewards Breakdown
Annual Rewards
$720
Welcome Bonus
$0
Annual Fee
$0
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
$393.49
TD Rewards
Welcome Bonus
$575
TD Rewards
Annual Fee
$139
First Year Value
$968.49
$254.49 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Emergency Out of province Medical
$1M, Up to 10 daysEmergency Medical Over 65
$1M, Up to 3 days
Trip Cancellation
$1,000/person, $5,000 maximum
Trip Interruption
$1,000/person, $5,000 maximum.svg)
Car Rental Damage & Theft
$65,000
Purchase Protection
90 days
Extended Warranty
1 year
Trip delay
$150 day, up to 3 days
Insurance Included
Emergency Out of province Medical
$1M, Up to 10 daysEmergency Medical Over 65
$1M, Up to 3 daysTrip Cancellation
$1,000/person, $5,000 maximumTrip Interruption
$1,000/person, $5,000 maximumCar Rental Damage & Theft
$65,000Purchase Protection
90 daysExtended Warranty
1 yearFlight Delay
$500
Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Travel Accident
$500,000
Hotel Burglary Insurance
$2,500
Mobile Device Insurance
$1,000
Extra Benefits
Airport Lounge - Dragon Pass
Pass only, complimentary visits not included
No Cost roaming
5 days
Extra Benefits
Visa Infinite Exclusive Benefits
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Concierge Services
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 points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Interest Rates
Purchase:
19.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$0
Annual Fee
$139
$0
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
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
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.
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