American Express Cobalt vs TD First Class Travel Visa Infinite Card

By   |   Verified by David Boyd   |   Updated 17 Aug 2023

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.

American Express Cobalt Card
 

On website

TD First Class Travel Visa Infinite Card
 
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
93
Card Type
American ExpressVisa
Minimum Credit Limit
N/A$5,000.00
Maximum Credit Limit
N/AN/A
Sign up bonus
Signup Bonus Points
15000 points80000 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 RewardsTD Rewards
Domestic Rewards Points Earn Rate
11
Benefits
Airport Lounge Access Included
YesNo
Concierge Service Included
YesYes
Cardholder's International Travel Insurance
YesYes
Complimentary Flight Voucher Included
NoYes
Introductory balance transfer
Balance Transfer Rate
N/AN/A
Balance Transfer Period
N/AN/A
Balance Transfer Fee
N/AN/A
Balance Transfer Limit
N/AN/A
Balance Transfer Revert Rate
N/AN/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/A2.5%
Late Payment Fee
$38.00$40.00
Overseas ATM Withdrawal Fee
$5.00$5.00
Digital wallets
Apple Pay Enabled
YesYes
Google Pay Enabled
YesNo
Samsung Pay Enabled
YesYes
Eligibility
Available To Existing Customers
NoNo
Minimum Age
18 years18 years
Minimum Credit Rating
GoodGood
Minimum Income
N/A$60,000.00
Temporary Residents Accepted
NoNo