BMO Air Miles World Elite Mastercard vs TD Cash Back Visa Infinite Card

Compare these two credit cards side-by-side to see which one offers better value for your spending habits.

BMO Air Miles World Elite Mastercard

BMO Air Miles World Elite Mastercard

Annual Fee: $120
Your Monthly Rewards: $0.00
VS
TD Cash Back Visa Infinite Card

TD Cash Back Visa Infinite Card

Annual Fee: $139
Your Monthly Rewards: $0.00

Overview

When it comes to choosing the perfect credit card, you need clarity, precision, and insights you can trust. That's why Dollarwise rigorously evaluates every card across seven critical factors, ensuring you get a detailed and actionable review.

Below you'll find a table which shows you the estimated reward each card will earn, as well as the ratings we gave the cards for each category. We compared the cards based on their perks, fees, approval rate, insurance, acceptance by merchants, interest rates and the rewards you'll earn. Each score is out of a maximum of 5.

BMO Air Miles World Elite Mastercard
Comparison
TD Cash Back Visa Infinite Card
$0
Rewards
Annual rewards estimate
$0
0/5
Perks
Travel benefits and extras
1.9/5
0/5
Fees
How competitive the fees are
1.2/5
0/5
Approval
How easy it is to get approved
2.5/5
0/5
Insurance
Insurance coverage and benefits
2.5/5
0/5
Acceptance
Where you can use the card
5/5
0/5
Interest rates
How competitive the interest rates are
2.4/5

Details and Eligibility

Compare the basic details and eligibility requirements for each card to see which one you qualify for.

BMO Air Miles World Elite Mastercard
Details
TD Cash Back Visa Infinite Card
Mastercard
Card type
Visa
BMO
Issuer
TD
560
Min credit score
725
$80,000
Personal income
$60,000
$150,000
Household income
$100,000

Rewards

We estimate that spending $2,000 per month with the BMO Air Miles World Elite Mastercard would earn $0 in rewards over the year and with the TD Cash Back Visa Infinite Card you would earn $0 in rewards.

When you spend using the BMO Air Miles World Elite Mastercard you will earn points called .

When you spend using the TD Cash Back Visa Infinite Card you will earn points called .

We can also compare the BMO Air Miles World Elite Mastercard vs TD Cash Back Visa Infinite Card based on the amount earned in each spend category:

Annual rewards by spend category

BMO Air Miles World Elite Mastercard
Rewards
TD Cash Back Visa Infinite Card
$0
Gas
$72
$0
Bills
$126
$0
Pharmacy
$6
$0
Groceries
$180
$0
Restaurants
$24
$0
Specific Stores
$12
$0
Travel
$12
$0
Other
$60

First, let's look at the actual reward structure for each card:

Raw reward rates

BMO Air Miles World Elite Mastercard
Reward structure
TD Cash Back Visa Infinite Card
0.083 miles
Gas
3%
0.083 miles
Bills
3%
0.083 miles
Pharmacy
1%
0.17 miles
Groceries
3%
0.083 miles
Restaurants
1%
0.25 miles
Specific Stores
1%
0.083 miles
Travel
1%
0.083 miles
Other
1%

We can also compare the BMO Air Miles World Elite Mastercard vs TD Cash Back Visa Infinite Card based on the "earn rate", which shows in percentage terms how much you'll get back on your spend.

Rewards earn rate (converted to %)

BMO Air Miles World Elite Mastercard
Rewards earn rate
TD Cash Back Visa Infinite Card
0.0%
Gas
3.0%
0.0%
Bills
3.0%
0.0%
Pharmacy
1.0%
0.0%
Groceries
3.0%
0.0%
Restaurants
1.0%
0.0%
Specific Stores
1.0%
0.0%
Travel
1.0%
0.0%
Other
1.0%

Fees

When it comes to fees, the BMO Air Miles World Elite Mastercard is better than the TD Cash Back Visa Infinite Card.

The BMO Air Miles World Elite Mastercard charges an annual fee of $120, which is $19 less than the $139 annual fee for the TD Cash Back Visa Infinite Card. So, if annual fees are important to you, then the BMO Air Miles World Elite Mastercard is the better choice.

BMO Air Miles World Elite Mastercard
Fees
TD Cash Back Visa Infinite Card
$120
Annual fee
$139
$50
Extra card
$50
0%
Foreign exchange fee
2.5%

Perks

BMO Air Miles World Elite Mastercard
Perks
TD Cash Back Visa Infinite Card
No
Lounge Access
No
No
Priority Boarding
No
No
Priority Security
No
No
Checked Bags
No
No
Concierge Service
No
No
Elite Status Acceleration
No

Neither BMO Air Miles World Elite Mastercard nor TD Cash Back Visa Infinite Card provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.

Concierge Service

Neither card offers concierge service.

Elite Status Acceleration

Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.

Interest Rates

The TD Cash Back Visa Infinite Card has better interest rates overall than the BMO Air Miles World Elite Mastercard.

The BMO Air Miles World Elite Mastercard charges 20.99 on your credit balance for purchases, which is the same as the interest rate on the TD Cash Back Visa Infinite Card.

It's worth noting that the BMO Air Miles World Elite Mastercard has an interest rate of 22.99 on any balance you transfer to this card from another credit card. That rate is higher than the 22.99 that is charged on the TD Cash Back Visa Infinite Card. If you expect to transfer a balance to this card then the TD Cash Back Visa Infinite Card might save you a lot of money.

BMO Air Miles World Elite Mastercard
Interest Rates
TD Cash Back Visa Infinite Card
20.99%
Purchases
20.99%
23.99%
Cash advance
22.99%
22.99%
Balance transfer
22.99%

Insurance

The TD Cash Back Visa Infinite Card gives you more insurance than the BMO Air Miles World Elite Mastercard.

The TD Cash Back Visa Infinite Card includes 6 types of insurance, whereas the BMO Air Miles World Elite Mastercard only gives you 2. In comparison, the average credit card gives you 5 types of insurance. So, if insurance is important to you, then the TD Cash Back Visa Infinite Card is the better choice.

BMO Air Miles World Elite Mastercard
Insurance
TD Cash Back Visa Infinite Card
N/A
Emergency Medical
N/A
N/A
Extended Warranty
N/A
N/A
Mobile Device
N/A
N/A
Purchase Protection
N/A
N/A
Car Rental Theft/Damage
N/A
N/A
Travel Accident
N/A

Our Recommendation

Enter your monthly spending above to see personalized recommendations based on your actual usage patterns.

Related Comparisons

The BMO Air Miles World Elite Mastercard is often compared against other similar cards in the market. We've also compared it against various other options to help you make the best choice.

The TD Cash Back Visa Infinite Card is often compared with other premium cards in its category. We've also compared it against other cards to give you comprehensive insights.