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Mr. Loonie

Comparing 2 cards

RBC British Airways Visa Infinite vs TD First Class Travel Visa Infinite

At typical spending, TD First Class Travel Visa Infinite is worth $1 more in year one and $62 more every year after.

Worked out from each card’s fees, earn rates and welcome offer. How we work it out

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400

RBC

RBC British Airways Visa Infinite

Remove RBC British Airways Visa Infinite

TD

TD First Class Travel® Visa Infinite Card

Remove TD First Class Travel Visa Infinite
What it’s worth to you
Better: $1,605
Year one · The full offer.
Better: Every year after $605

Points counted at 2 cents each, our value for British Airways Club. Why we value RBC British Airways Visa Infinite this way

Better: $1,606
Year one · The full offer.
Better: Every year after $667

Points counted at 0.5 cents each, our value for TD Rewards. Why we value TD First Class Travel Visa Infinite this way

Apply now with RBC (opens in a new tab)
Apply now with TD (opens in a new tab)
We may earn a fee when you apply through these links. It never changes the numbers.

Lower is better here.

Annual fee
$165
Better: $139$0 in year one
Extra card For a partner or family member
$75 a year
Better: $50 a year
Foreign currency fee On purchases in another currency
2.5%
2.5%
Interest on purchases
Better: 20.5%
21.99%
Interest on cash advances
22.99%
22.99%
Cash advance fee
$3.50, $5.00 fee for cash advances outside of Canada.
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%, Maximum
3%, Maximum
Late payment fee
$0
$0
Source
rbcroyalbank.comChecked Nov 8, 2026
tdcanadatrust.comChecked Nov 8, 2026

Typical spending, $2,500 a month. Bigger is better.

Groceries $9,600 a year
Better: $192 1 point per $1 (base rate)
Better: $288 6 points per $1
Restaurants $3,000 a year
Better: $120 2 points per $1
Better: $90 6 points per $1
Gas $3,000 a year
Better: $60 1 point per $1 (base rate)
Better: $30 2 points per $1 (base rate)
Recurring bills $3,000 a year
Better: $60 1 point per $1 (base rate)
Better: $60 4 points per $1
Travel $1,800 a year
Better: $36 1 point per $1 (base rate)
Better: $72 8 points per $1
Everything else (base rate) $7,800 a year
Better: $156 1 point per $1
Better: $78 2 points per $1
Foreign currency $1,800 a year
Better: $36 1 point per $1 (base rate)
Better: $18 2 points per $1 (base rate)
Total earned Before fees and the welcome offer
Better: $660
Better: $636
Foreign currency fee On the budget’s foreign spending. * Fee not listed, counted at the usual rate
Better: $45
Better: $45
Perks you’d use Lounge visits and cover, at what they cost on their own
Better: $155
Better: $215
Limits
None listed
Groceries: Up to $25,000 in spending per year. Restaurants: Up to $25,000 in spending per year. Transit: Up to $25,000 in spending per year. Recurring bills: Up to $25,000 in spending per year (shared with other categories). Streaming: Up to $25,000 in spending per year (shared with other categories)
Source
rbcroyalbank.comChecked Nov 8, 2026
tdcanadatrust.comChecked Nov 8, 2026

Counted at your spending, not the advertised maximum.

What you’d get
Better: $1,000The full offer.
Better: $800The full offer.
See the 2 parts
  • 20,000 TD Rewards points when you are approved ($100)
  • 140,000 TD Rewards points after you spend $7,500 in the first 6 months ($700)
Advertised
Up to 50,000 Avios.
Up to 160,000 TD Rewards points.
Source
rbcroyalbank.comChecked Nov 8, 2026
tdcanadatrust.comChecked Nov 8, 2026

Car rental damage
Included
Included
Extended warranty
Included
Included
Purchase protection
Included
Included
Travel accident
Included
Included
Travel medical
Included
Up to $2,000,000
Flight delay
Not listed
Included
Trip cancellation
Not listed
Included
Trip interruption
Not listed
Included
Baggage delay
Not listed
Included
Lost baggage
Not listed
Included
Hotel burglary
Not listed
Included
Mobile device
Not listed
Up to $1,000
Mobile wallets
Samsung Pay
Apple Pay, Samsung Pay

Personal income Minimum the bank lists
$60,000 a year
$60,000 a year
Household income Or this, instead of personal
$100,000 a year
$100,000 a year
Network
Visa
Visa
Expert Score From critic reviews, shown, not ranked
Expert Score 7.5 out of 10. Good
Expert Score 7.6 out of 10. Good
Source
rbcroyalbank.comChecked Nov 8, 2026
tdcanadatrust.comChecked Nov 8, 2026

Mr. Loonie’s tip Look at every year after before year one. A big welcome offer pays once; the earn rates pay every month you keep the card.

Questions

How do you work out year one?

We add what each card earns at your spending, plus the part of the welcome offer you’d get, then take off the first year’s annual fee. Every year after leaves out the offer and uses the regular fee.

Can I compare more than two cards?

Yes, up to four. Tap Add a card above the table, or + Compare on any card page.

Do banks pay to appear here?

No. You pick the cards and the math decides the numbers. We may earn a fee when you apply through some links. That never changes a number.

Year one adds what each card earns at the spending you picked, plus the part of the welcome offer that spending reaches, then takes off the first year’s fee. Every year after leaves out the offer and uses the regular fee. Points are counted at the value shown under each card.

Sources, checked by us:

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. Values are estimates for the spending you picked, rounded to the nearest dollar.

Spot something wrong? We’ll check it with the bank. Suggest a correction

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