TD First Class Travel® Visa Infinite* Card
TD
- Annual fee
- $1391st year free
- Foreign fee
- 2.5%
- Annual fee
- $139 $0
- Base Rewards Rate
- 2x
- Welcome bonus
- 160,000 points
TD Rewards
(Up to)
Applications are submitted to TD
TD First Class Travel® Visa Infinite* Card vs American Express Platinum Card®
A field-by-field comparison of TD First Class Travel® Visa Infinite* Card and American Express Platinum 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.
American Express Platinum Card®
American Express Canada
- Annual fee
- $799
- Foreign fee
- 2.5%
- Annual fee
- $799
- Base Rewards Rate
- 1x
- Welcome bonus
- 100,000 points
Amex Membership Rewards
(Up to)
Applications are submitted to American Express Canada
Key features at a glance
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Issuer | TD | American Express Canada |
| Network | ||
| Program | TD Rewards | Amex Membership Rewards |
| Point default value | 0.5¢/point | 1.7¢/point |
| Annual fee | $0 | $799 |
| Foreign transaction fee | 2.5% | 2.5% |
| Min. annual income | $60,000+ | $0 |
| All purchases | 2x | 1xBetter on this row |
| Groceries | 6xBetter on this row | 1x |
| Gas | 2x | 1xBetter on this row |
| Purchase interest rate | 21.99% | — |
The short answer
- Year oneTD First Class Travel® Visa Infinite* Card wins 6 of 6 profiles, American Express Platinum Card® wins 0, and 0 are too close to call.Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
- Every year afterTD First Class Travel® Visa Infinite* Card wins 0 of 6 profiles, American Express Platinum Card® wins 6, and 0 are too close to call.The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
- TD First Class Travel® Visa Infinite* Card costs $139 a year — $660 less than American Express Platinum Card® at $799.
- Travel: American Express Platinum Card® earns 2x (3.4% back per dollar), against 2x (1% back per dollar) on TD First Class Travel® Visa Infinite* Card.
- TD First Class Travel® Visa Infinite* Card waives its $139 annual fee for the first year.
Where each card wins
TD First Class Travel® Visa Infinite* Card
In its favour
- TD First Class Travel® Visa Infinite* Card costs $139 a year — $660 less than American Express Platinum Card® at $799.
- TD First Class Travel® Visa Infinite* Card waives its $139 annual fee for the first year.
- TD First Class Travel® Visa Infinite* Card unlocks its bonus after $7,500 of spending over 6 months, $2,500 less than American Express Platinum Card® at $10,000 over 3 months.
- TD First Class Travel® Visa Infinite* Card opens Visa Airport Companion Program (4 visits a year); American Express Platinum Card® grants no lounge access.
- Groceries: TD First Class Travel® Visa Infinite* Card earns 6x (3% back per dollar), against 1x (1.7% back per dollar) on American Express Platinum Card®.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, TD First Class Travel® Visa Infinite* Card earns 2x (1% back per dollar) and American Express Platinum Card® pulls ahead.
- Transit: TD First Class Travel® Visa Infinite* Card earns 6x (3% back per dollar), against 1x (1.7% back per dollar) on American Express Platinum Card®.The ceilingThat rate runs to $25,000 of spending a year. Past the ceiling, TD First Class Travel® Visa Infinite* Card earns 2x (1% back per dollar) and American Express Platinum Card® pulls ahead.
- TD First Class Travel® Visa Infinite* Card includes Mobile device, which American Express Platinum Card® does not.
Against it
No material difference in this card's favour was found in the data we compare.
American Express Platinum Card®
In its favour
- Travel: American Express Platinum Card® earns 2x (3.4% back per dollar), against 2x (1% back per dollar) on TD First Class Travel® Visa Infinite* Card.
- American Express Platinum Card® opens American Express Global Lounge Collection; TD First Class Travel® Visa Infinite* Card grants no lounge access.
- American Express Platinum Card® earns 1x (1.7% back per dollar) on everything, against 2x (1% back per dollar) on TD First Class Travel® Visa Infinite* Card.
Against it
No material difference in this card's favour was found in the data we compare.
Welcome offer
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Welcome bonusNot comparable in the same units | Up to 160,000 points | Up to 100,000 points |
| Our valuationDepends on how you spend | $1,039 | $1,690 |
Income required
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Min. annual income | $60,000+ | $0 |
| Min. household income | $100,000+ | $0 |
Earning rewards
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Groceries | 6xBetter on this row | 1x |
| Restaurants | 6x | 2xBetter on this row |
| Gas | 2x | 1xBetter on this row |
| Local transit | 6xBetter on this row | 1x |
| Travel | 2x | 2xBetter on this row |
| Pharmacies | 2x | 1xBetter on this row |
| Convenience stores | 2x | 1xBetter on this row |
| Streaming | 4xBetter on this row | 1x |
| Telecom | 2x | 1xBetter on this row |
| Entertainment | 2x | 1xBetter on this row |
| Recurring payments | 4xBetter on this row | 1x |
| Online purchases | 2x | 1xBetter on this row |
| Office supplies | 2x | 1xBetter on this row |
| All purchases | 2x | 1xBetter on this row |
Benefits
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Airport lounge access | Visa Airport Companion Program4 visits | American Express Global Lounge CollectionUnlimited (Unlimited access to Centurion, Sidecar, Escape (US), Plaza Premium, Priority Pass, Executive Lounges by Swissport (Canada) and additional partner lounges. The complimentary guest allowance depends on the program: 2 companions at Centurion Lounges, 1 companion at Plaza Premium and Priority Pass, spouse plus 2 children under 21 or 1 companion at Swissport, and NO complimentary guest at Delta Sky Club on the consumer card. Supplementary Gold Cards on a Platinum account get no access. Priority Pass membership must be enrolled separately. Present at each visit: valid Card, same-day boarding pass and government-issued photo ID. UPCOMING: Lufthansa lounge access ends October 1, 2026; effective January 1, 2027, Priority Pass and Plaza Premium move to 6 visits per calendar year (2 for supplementary Cardmembers), with unlimited access reserved for accounts reaching $20,000 in eligible spend per calendar year.) |
| Priority boarding | ✗ | — |
| Wi-Fi access | ✗ | — |
| NEXUS | ✗ | $100Better on this row |
Annual fee and rates
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Annual fee | $0 | $799 |
| Additional card | $50 | $250 |
| First year free | ✓ | ✗ |
| Foreign transaction fee | 2.5% | 2.5% |
| Purchase interest rate | 21.99% | — |
| Purchase rate (Quebec) | 21.99% | — |
| Cash advance rate | 22.99% | — |
Insurance
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Travel accident | $500,000 | $500,000 |
| Travel medical | $2,000,000 | $5,000,000Better on this row |
Card details
Which one wins, by spending profile
Grocery-heavy household
A family basket weighted towards groceries and everyday spending.
Assumes $54,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $1,059 | $1,025.10 |
| Annual fee | $0 | −$799 |
| Welcome bonus | $800 | $1,190 |
| Net value | $1,859 | $1,416.10 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
American Express Platinum Card® comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $1,059 | $1,025.10 |
| Annual fee | −$139 | −$799 |
| Recurring credits | $100 | $910 |
| Net value | $1,020 | $1,136.10 |
Show the per-category math
| Category | Spending | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $13,800 | 6x | $414 | 1xbase rate | $234.60 |
| Gas & EV | $4,200 | 2xbase rate | $42 | 1xbase rate | $71.40 |
| Transit | $2,700 | 6x | $81 | 1xbase rate | $45.90 |
| Restaurants | $4,800 | 6x | $144 | 2x | $163.20 |
| Pharmacy | $900 | 2xbase rate | $9 | 1xbase rate | $15.30 |
| Travel | $1,500 | 2xbase rate | $15 | 2x | $51 |
| Bills & recurring payments | $5,100 | 4x | $102 | 1xbase rate | $86.70 |
| Telecom | $4,800 | 2xbase rate | $48 | 1xbase rate | $81.60 |
| Entertainment & streaming | $4,200 | 4x | $84 | 1xbase rate | $71.40 |
| Office supplies | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Other | $12,000 | 2xbase rate | $120 | 1xbase rate | $204 |
Light spender
A modest basket where an annual fee weighs heavily.
Assumes $21,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $402 | $402.90 |
| Annual fee | $0 | −$799 |
| Welcome bonus | $800 | $0 |
| Net value | $1,202 | −$396.10 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
American Express Platinum Card® comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $402 | $402.90 |
| Annual fee | −$139 | −$799 |
| Recurring credits | $100 | $910 |
| Net value | $363 | $513.90 |
Show the per-category math
| Category | Spending | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $4,800 | 6x | $144 | 1xbase rate | $81.60 |
| Gas & EV | $1,800 | 2xbase rate | $18 | 1xbase rate | $30.60 |
| Transit | $900 | 6x | $27 | 1xbase rate | $15.30 |
| Restaurants | $2,100 | 6x | $63 | 2x | $71.40 |
| Pharmacy | $600 | 2xbase rate | $6 | 1xbase rate | $10.20 |
| Travel | $600 | 2xbase rate | $6 | 2x | $20.40 |
| Bills & recurring payments | $2,100 | 4x | $42 | 1xbase rate | $35.70 |
| Telecom | $2,400 | 2xbase rate | $24 | 1xbase rate | $40.80 |
| Entertainment & streaming | $1,500 | 4x | $30 | 1xbase rate | $25.50 |
| Office supplies | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Other | $4,200 | 2xbase rate | $42 | 1xbase rate | $71.40 |
Everyday couple
A balanced two-person basket across groceries, dining and bills.
Assumes $36,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $714 | $693.60 |
| Annual fee | $0 | −$799 |
| Welcome bonus | $800 | $0 |
| Net value | $1,514 | −$105.40 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
American Express Platinum Card® comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $714 | $693.60 |
| Annual fee | −$139 | −$799 |
| Recurring credits | $100 | $910 |
| Net value | $675 | $804.60 |
Show the per-category math
| Category | Spending | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 6x | $270 | 1xbase rate | $153 |
| Gas & EV | $2,400 | 2xbase rate | $24 | 1xbase rate | $40.80 |
| Transit | $1,800 | 6x | $54 | 1xbase rate | $30.60 |
| Restaurants | $3,600 | 6x | $108 | 2x | $122.40 |
| Pharmacy | $600 | 2xbase rate | $6 | 1xbase rate | $10.20 |
| Travel | $1,200 | 2xbase rate | $12 | 2x | $40.80 |
| Bills & recurring payments | $3,000 | 4x | $60 | 1xbase rate | $51 |
| Telecom | $3,600 | 2xbase rate | $36 | 1xbase rate | $61.20 |
| Entertainment & streaming | $3,600 | 4x | $72 | 1xbase rate | $61.20 |
| Office supplies | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Other | $7,200 | 2xbase rate | $72 | 1xbase rate | $122.40 |
Retiree
A basket tilted towards groceries, pharmacy and travel.
Assumes $27,000 of card spending a year
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $534 | $515.10 |
| Annual fee | $0 | −$799 |
| Welcome bonus | $800 | $0 |
| Net value | $1,334 | −$283.90 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
American Express Platinum Card® comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $534 | $515.10 |
| Annual fee | −$139 | −$799 |
| Recurring credits | $100 | $910 |
| Net value | $495 | $626.10 |
Show the per-category math
| Category | Spending | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $7,200 | 6x | $216 | 1xbase rate | $122.40 |
| Gas & EV | $2,100 | 2xbase rate | $21 | 1xbase rate | $35.70 |
| Transit | $1,200 | 6x | $36 | 1xbase rate | $20.40 |
| Restaurants | $2,400 | 6x | $72 | 2x | $81.60 |
| Pharmacy | $600 | 2xbase rate | $6 | 1xbase rate | $10.20 |
| Travel | $900 | 2xbase rate | $9 | 2x | $30.60 |
| Bills & recurring payments | $2,700 | 4x | $54 | 1xbase rate | $45.90 |
| Telecom | $2,700 | 2xbase rate | $27 | 1xbase rate | $45.90 |
| Entertainment & streaming | $2,100 | 4x | $42 | 1xbase rate | $35.70 |
| Office supplies | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Other | $5,100 | 2xbase rate | $51 | 1xbase rate | $86.70 |
International traveller
A couple's basket with a quarter of the spending charged in another currency.
Assumes $36,000 of card spending a year, of which 25% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $714 | $693.60 |
| Foreign transaction fees | −$225 | −$225 |
| Annual fee | $0 | −$799 |
| Welcome bonus | $800 | $0 |
| Net value | $1,289 | −$330.40 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
American Express Platinum Card® comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $714 | $693.60 |
| Foreign transaction fees | −$225 | −$225 |
| Annual fee | −$139 | −$799 |
| Recurring credits | $100 | $910 |
| Net value | $450 | $579.60 |
Show the per-category math
| Category | Spending | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $9,000 | 6x | $270 | 1xbase rate | $153 |
| Gas & EV | $2,400 | 2xbase rate | $24 | 1xbase rate | $40.80 |
| Transit | $1,800 | 6x | $54 | 1xbase rate | $30.60 |
| Restaurants | $3,600 | 6x | $108 | 2x | $122.40 |
| Pharmacy | $600 | 2xbase rate | $6 | 1xbase rate | $10.20 |
| Travel | $1,200 | 2xbase rate | $12 | 2x | $40.80 |
| Bills & recurring payments | $3,000 | 4x | $60 | 1xbase rate | $51 |
| Telecom | $3,600 | 2xbase rate | $36 | 1xbase rate | $61.20 |
| Entertainment & streaming | $3,600 | 4x | $72 | 1xbase rate | $61.20 |
| Office supplies | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Other | $7,200 | 2xbase rate | $72 | 1xbase rate | $122.40 |
Frequent foreign spender
A deliberately aggressive scenario: half of all spending charged in another currency.
Assumes $31,800 of card spending a year, of which 50% is charged in a foreign currency (a scenario assumption, not measured data)
Year one
Includes the welcome bonus this profile's spending actually unlocks, and any first-year fee waiver.
TD First Class Travel® Visa Infinite* Card comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $609 | $627.30 |
| Foreign transaction fees | −$397.50 | −$397.50 |
| Annual fee | $0 | −$799 |
| Welcome bonus | $800 | $0 |
| Net value | $1,011.50 | −$569.20 |
Every year after
The ongoing picture: full annual fee, no welcome bonus, plus any recurring credits.
American Express Platinum Card® comes out ahead
| Feature | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® |
|---|---|---|
| Rewards earned | $609 | $627.30 |
| Foreign transaction fees | −$397.50 | −$397.50 |
| Annual fee | −$139 | −$799 |
| Recurring credits | $100 | $910 |
| Net value | $172.50 | $340.80 |
Show the per-category math
| Category | Spending | TD First Class Travel® Visa Infinite* Card | American Express Platinum Card® | ||
|---|---|---|---|---|---|
| Rate | Value | Rate | Value | ||
| Groceries | $6,000 | 6x | $180 | 1xbase rate | $102 |
| Gas & EV | $2,100 | 2xbase rate | $21 | 1xbase rate | $35.70 |
| Transit | $1,800 | 6x | $54 | 1xbase rate | $30.60 |
| Restaurants | $4,200 | 6x | $126 | 2x | $142.80 |
| Pharmacy | $600 | 2xbase rate | $6 | 1xbase rate | $10.20 |
| Travel | $900 | 2xbase rate | $9 | 2x | $30.60 |
| Bills & recurring payments | $3,000 | 4x | $60 | 1xbase rate | $51 |
| Telecom | $3,600 | 2xbase rate | $36 | 1xbase rate | $61.20 |
| Entertainment & streaming | $2,100 | 4x | $42 | 1xbase rate | $35.70 |
| Office supplies | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Online advertising | $0 | 2xbase rate | $0 | 1xbase rate | $0 |
| Other | $7,500 | 2xbase rate | $75 | 1xbase rate | $127.50 |
Frequently asked questions
Which costs less per year, TD First Class Travel® Visa Infinite* Card or American Express Platinum Card®?
TD First Class Travel® Visa Infinite* Card charges $139 a year, against $799 for American Express Platinum Card®.
Which is better for spending in another currency, TD First Class Travel® Visa Infinite* Card or American Express Platinum Card®?
Both charge 2.5% on purchases in another currency.
Which card comes out ahead, TD First Class Travel® Visa Infinite* Card or American Express Platinum Card®?
It depends on how you spend. Across the 6 spending profiles on this page, TD First Class Travel® Visa Infinite* Card wins 6 in year one, American Express Platinum Card® wins 0, and 0 are too close to call.
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.
- Annual fee
- $139 $0
- Base Rewards Rate
- 2x
- Welcome bonus
- 160,000 points
TD Rewards
(Up to)
Applications are submitted to TD
- Annual fee
- $799
- Base Rewards Rate
- 1x
- Welcome bonus
- 100,000 points
Amex Membership Rewards
(Up to)
Applications are submitted to American Express Canada