The main difference between the American Express Cobalt and the TD First Class Travel Visa Infinite Card lies in their rewards structure and standout features. Both cards offer travel perks and similar welcome bonuses, but the Cobalt card shines with its versatile points system, allowing you to earn points on various everyday purchases, while the TD Visa Infinite Card focuses on travel-related spending. Cobalt flaunts a range of categories for boosted points, while TD's card emphasizes airport lounge access and exclusive travel benefits. So, whether you're a jet-setter or a local explorer, these cards cater to different spending styles and travel aspirations.
When it comes to rewards, the Cobalt card lets you rack up points on dining, groceries, travel, and more, providing a smorgasbord of earning potential. On the flip side, the TD Visa Infinite Card prioritizes travel purchases, offering accelerated rewards on flights, hotels, and car rentals, ideal for those who frequently escape their nest.
Fees-wise, both cards have their own structures. The Cobalt card boasts a monthly fee with the potential for high-value rewards, while the TD Visa Infinite Card comes with an annual fee, catering to those who seek a more traditional credit card setup.
For those seeking an enticing welcome offer, the Cobalt card often rolls out an impressive bonus points package, kickstarting your points journey. Meanwhile, the TD Visa Infinite Card may present enticing promotional offers linked to travel benefits, perfect for wanderlusters eager to hit the road.
The American Express Cobalt and TD First Class Travel Visa Infinite Card each bring unique flavors to the credit card table. Cobalt's adaptable points system serves the modern-day spender, while the TD Visa Infinite Card's focus on travel perks may be the ticket to your next adventure. Explore your spending habits and travel aspirations to choose the card that truly suits your financial journey.
 On website |  |
|---|---|
| Description | |
| Offers an attractive rewards program with a focus on earning points quickly on everyday spending categories like dining, streaming subscriptions, and transportation. | Enjoy incredible perks by accumulating Travel Reward Points on eligible purchases, which can subsequently be used to redeem flights and cover various travel-related expenses. |
| Basics | |
| Additional Cardholders | |
| 9 | 3 |
| Card Type | |
| American Express | Visa |
| Minimum Credit Limit | |
| N/A | $5,000.00 |
| Maximum Credit Limit | |
| N/A | N/A |
| Sign up bonus | |
| Signup Bonus Points | |
| 15000 points | 80000 points |
| Signup Bonus Points Required Spend | |
| $750.00 | $5,000.00 |
| Signup Bonus Points Required Spend Terms | |
| eligible purchases every month for 12 months, that's 1,250 Membership Rewards points for each monthly billing period. | eligible purchases within 180 days from account opening. Plus earn 20,000 TD Rewards Points when you make your first Purchase with your Card. That is a total of 100,000 TD Rewards Points. |
| Rewards | |
| Rewards Program | |
| American Express Rewards | TD Rewards |
| Domestic Rewards Points Earn Rate | |
| 1 | 1 |
| Benefits | |
| Airport Lounge Access Included | |
| Yes | No |
| Concierge Service Included | |
| Yes | Yes |
| Cardholder's International Travel Insurance | |
| Yes | Yes |
| Complimentary Flight Voucher Included | |
| No | Yes |
| Introductory balance transfer | |
| Balance Transfer Rate | |
| N/A | N/A |
| Balance Transfer Period | |
| N/A | N/A |
| Balance Transfer Fee | |
| N/A | N/A |
| Balance Transfer Limit | |
| N/A | N/A |
| Balance Transfer Revert Rate | |
| N/A | N/A |
| Ongoing rates | |
| Cash Advance Rate | |
| 21.99% p.a. | 22.99% p.a. |
| Purchase Rate Ongoing | |
| 21.99% p.a. | 20.99% p.a. |
| Ongoing fees | |
| Annual Fee Ongoing | |
| $155.88 | $139.00 |
| Foreign Exchange Fee Percentage | |
| N/A | 2.5% |
| Late Payment Fee | |
| $38.00 | $40.00 |
| Overseas ATM Withdrawal Fee | |
| $5.00 | $5.00 |
| Digital wallets | |
| Apple Pay Enabled | |
| Yes | Yes |
| Google Pay Enabled | |
| Yes | No |
| Samsung Pay Enabled | |
| Yes | Yes |
| Eligibility | |
| Available To Existing Customers | |
| No | No |
| Minimum Age | |
| 18 years | 18 years |
| Minimum Credit Rating | |
| Good | Good |
| Minimum Income | |
| N/A | $60,000.00 |
| Temporary Residents Accepted | |
| No | No |
