Compare these two credit cards side-by-side to see which one offers better value for your spending habits.
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.
Compare the basic details and eligibility requirements for each card to see which one you qualify for.
We estimate that spending $2,000 per month with the RBC Visa Platinum 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 RBC Visa Platinum 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 RBC Visa Platinum vs TD Cash Back Visa Infinite Card based on the amount earned in each spend category:
First, let's look at the actual reward structure for each card:
We can also compare the RBC Visa Platinum 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.
When it comes to fees, the RBC Visa Platinum is better than the TD Cash Back Visa Infinite Card.
The RBC Visa Platinum charges an annual fee of $0, which is $139 less than the $139 annual fee for the TD Cash Back Visa Infinite Card. So, if annual fees are important to you, then the RBC Visa Platinum is the better choice.
Neither RBC Visa Platinum nor TD Cash Back Visa Infinite Card provides airline-specific travel perks like lounge access, priority boarding, expedited security, or a complimentary checked bag.
Neither card offers concierge service.
Neither card provides elite status acceleration. If climbing loyalty tiers is important to you, you might consider other options.
Both cards have similar interest rates.
The RBC Visa Platinum 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 RBC Visa Platinum 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.
The TD Cash Back Visa Infinite Card gives you more insurance than the RBC Visa Platinum.
The TD Cash Back Visa Infinite Card includes 6 types of insurance, whereas the RBC Visa Platinum 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.
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The RBC Visa Platinum 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.
