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CIBC Select Visa* Card vs TD Low Rate Visa* Credit Card

A field-by-field comparison of CIBC Select Visa* Card and TD Low Rate Visa* Credit Card, built from the same card data that powers our comparison tools. Every figure below traces back to a data field — nothing here is an editorial estimate.

Key features at a glance

FeatureCIBC Select Visa* CardTD Low Rate Visa* Credit Card
IssuerCIBCTD
Network
Annual fee$0 $29$25Better on this row
Foreign transaction fee2.5%2.5%
Purchase interest rate13.99%12.9%Better on this row

The short answer

CIBC Select Visa* CardTD Low Rate Visa* Credit Card

One of these cards has no points valuation on file, so the two cannot be compared in dollars. The side-by-side table below still applies.

  • CIBC Select Visa* Card waives its $29 annual fee for the first year.

Open both in the full comparison tool

Where each card wins

CIBC Select Visa* Card

In its favour

  • CIBC Select Visa* Card waives its $29 annual fee for the first year.

Against it

No material difference in this card's favour was found in the data we compare.

TD Low Rate Visa* Credit Card

In its favour

No material difference in this card's favour was found in the data we compare.

Against it

No material difference in this card's favour was found in the data we compare.

Welcome offer

FeatureCIBC Select Visa* CardTD Low Rate Visa* Credit Card
Welcome bonusNot comparable in the same units—0% interest on purchases for 6 months†
Our valuationDepends on how you spend$29—

Income required

FeatureCIBC Select Visa* CardTD Low Rate Visa* Credit Card
Min. household income$15,000+$0

Annual fee and rates

FeatureCIBC Select Visa* CardTD Low Rate Visa* Credit Card
Annual fee$0 $29$25Better on this row
Additional card$0$0
First year free✓✗
Foreign transaction fee2.5%2.5%
Purchase interest rate13.99%12.9%Better on this row
Purchase rate (Quebec)13.99%13.9%
Cash advance rate13.99%12.9%

Card details

FeatureCIBC Select Visa* CardTD Low Rate Visa* Credit Card
Network
IssuerCIBCTD

Which one wins, by spending profile

One of these cards has no points valuation on file, so the two cannot be compared in dollars. The side-by-side table below still applies.

Frequently asked questions

Which costs less per year, CIBC Select Visa* Card or TD Low Rate Visa* Credit Card?

TD Low Rate Visa* Credit Card charges $25 a year, against $29 for CIBC Select Visa* Card.

Which is better for spending in another currency, CIBC Select Visa* Card or TD Low Rate Visa* Credit Card?

Both charge 2.5% on purchases in another currency.

Do these earn rates have spending caps?

Yes — where a card caps a category, the ceiling is stated next to the rate on this page, along with what the card earns beyond it.

How we compare

  • Every figure on this page is read from the card data we maintain — annual fees, foreign transaction fees, earn rates, spending caps, welcome offers, insurance and lounge access.
  • Points are valued at our published valuation for each card's loyalty program. Cash back is counted at face value.
  • The spending profiles are standard baskets, not your spending. The share charged in a foreign currency is a stated scenario assumption.
  • Year one and the years after are kept separate: the welcome bonus and any first-year fee waiver only count in year one.
  • We may earn a commission when you apply through the links on this page. It never changes the figures above — they come from the same data for every card.

Ready to apply?

Applications are submitted on the issuer's own site. Nothing you read above changes if you apply from here.