What Should You Choose: TD (Toronto Dominion) First Class Travel VISA Infinite Card Or Marriott Bonvoy Brilliant American Express Card?
Read this blog to find out which credit card is best for you ,TD (Toronto Dominion) First Class Travel VISA Infinite Card or Marriott Bonvoy Brilliant American Express Card.
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The TD First Class Travel VISA Infinite Card is the best credit card for travel bookings. It lets you earn travel points, which you can redeem for travel and travel-related purchases.
The other credit card on our agenda today is the Marriott Bonvoy Brilliant American Express Card, which is the best for booking hotels. It lets you enjoy property credit up to $100 that you can use against select hotels and specified services.
Let us study these credit cards individually and then do a comparative analysis.
1. TD First Class Travel VISA Infinite Card
The TD First Class Travel VISA Infinite Card let you earn TD Points valid if your account is open and is in good standing. There are no travel blackouts or seat restrictions and redeem your points for making purchases at Amazon.ca.
Welcome Offer
If you apply for this credit card up to October 29, 2022, you can earn 100,000 TD points worth $500. It happens in the following way:
- When you make your first purchase using the credit card – You will get a welcome bonus of 20,000 TD Points
- If you spend $1,500 within 90 days (about 3 months) of account opening – You will earn 80,000 TD Points
Let us evaluate this credit card and make you aware of its various conditions and features.
1. Eligibility
| Eligibility Requirements | |
| 1. | You must be a resident of Canada |
| 2. | To qualify for this credit card, you need to satisfy the following minimum income requirements: Personal Annual Income – $60,000 or Household Annual Income – $100,000 |
| 3. | You must be a major to get this credit card in your name. This age of majority may vary from province to province. |
| 4. | You must have an “average to excellent” credit score, preferably more than 670 |
2. Annual Fee
- This credit card has a $120 annual fee.
- For the first additional cardholder, you will be paying $50 annually. However, the bank will not charge the subsequent cardholders.
*It must be noted that as a part of the exclusive offer, if you apply for the credit card by October 29, 2022, there is no annual fee for the primary and secondary cardholders.
3. Interest Rates
| Nature of Balance | Interest Rate |
| Purchases | 19.99% |
| Cash advances | 22.99% |
4. Earn Rate
This credit card allows you to earn TD Points for every dollar spent using your credit card. It is explained hereunder:
| Eligible Purchases | Reward |
| For travel bookings made via Expedia | 9 TD Points |
| Starbucks | 50% more TD Points |
| On all purchases | 3 TD Points for every $1 |
In the first year, if your average monthly spend is $1,500 than you can earn about 154,000 TD Points.
5. Exclusive Benefit
A major benefit of using this credit card is that it helps you manage your budget and offers flexibility. You can break your purchase of $100 or more and convert them into a 6, 12, or 18-month TD Payment Plan.
You don’t have to pay anything towards interest, all you have to pay is a Payment Plan Fee in the following manner:
| 6-month | 12-month | 18-month |
| 4% | 6% | 8% |
Moreover, you get these benefits as well:
| Benefits | Description |
| Everyday Cash Advances | Up to $5,000 |
| Auto Rental Collision/ Loss Damage Insurance | You get a coverage up to 48 consecutive days |
| Travel-insurance Related Benefits | Travel medical insurance Trip Cancellation/Trip Interruption Insurance Common Carrier Travel Accident Insurance Emergency Travel Assistance Services Delayed and Lost Baggage Insurance |
2. Marriott Bonvoy Brilliant American Express Card
The Marriott Bonvoy Brilliant American Express Card lets you earn Marriott Bonvoy Points that can be redeemed against hotel and flight bookings, car rentals, resort charges, etc.
Welcome Offer
If within the first 3-months, you use your card to make purchases worth $3,000 – You can earn 75,000 Marriott Bonvoy Bonus Points.
Let us evaluate this credit card deeply and make you aware of its various conditions and features.
1. Eligibility
| Eligibility Requirements | |
| 1. | You must be a resident of Canada |
| 2. | There is no income requirement associated with this credit card |
| 3. | You must be a major to get this credit card in your name. This age of majority may vary from province to province. |
| 4. | You must have a FICO score in the range “good to excellent” that is between “690 and 850”. |
2. Annual Fee
- This credit card has $450 annual fee.
3. Interest Rates
| Nature of Balance | Interest Rate |
| Purchases | 17.99% to 26.99% |
| Cash advances | 27.49% |
4. Earn Rate
This credit card allows you to earn Marriott Bonvoy Points on every $1 spent from your credit card. It is explained hereunder:
| Eligible Purchases | Cashback |
| On booking participating Marriott Bonvoy Hotels | 6X |
| On dining at U.S Restaurants – including takeout and delivery | 3X |
| On flight booking | 3X |
5. Exclusive Benefit
Besides earning points, the Marriott Bonvoy Brilliant American Express Card also offers you the following benefits:
| Benefits | Description |
| Marriott Bonvoy Statement Credit | You can earn statement credits up to $300 a calendar year and $25 per monthTo earn this, you must make eligible purchases at hotels participating in Marriott Bonvoy |
| Free Night Award | You can stay one night for free in any participating hotelYou get this reward after your card renewal month |
| Marriott Bonvoy Property Credit | You get a credit up to $100To get this reward you have to stay for minimum two nights at The Ritz-Carlton or St. Regis |
Comparative Analysis
Let us compare some common conditions and features.
| Parameters | TD First Class Travel VISA Infinite Card | Marriott Bonvoy Brilliant American Express Card |
| Income Condition | Individual Annual Income – $60,000 or Household Annual Income – $100,000 | Not Applicable |
| Annual Fee | $120 | $450 |
| Interest Rate: Purchases Cash Advances | 19.99% 22.99% | 17.99% to 26.99% 27.49% |
Out of the three parameters mentioned above, the TD First Class Travel VISA Infinite Card scores higher in two of them.
Opinion of ExpertbyArea.Money
The Marriott Bonvoy Brilliant American Express Card has a high annual fee. Even the interest rate it charges is comparatively higher. Although, if you want to build credit, this card could be the perfect option for you due to the lack of income requirements.
On the other hand, The TD First Class Travel VISA Infinite Card has an affordable annual fee, and the interest rates it charges are based on the prevailing industry trend. You can go for this credit card if you can satisfy the income condition.
Evaluate your requirements and perform an analysis. Choose the card that better serves your needs.
