{"id":485497,"date":"2026-03-10T16:17:25","date_gmt":"2026-03-10T20:17:25","guid":{"rendered":"https:\/\/milesopedia.com\/?p=485497"},"modified":"2026-03-10T16:17:27","modified_gmt":"2026-03-10T20:17:27","slug":"td-first-class-visa-infinite-vs-national-bank-world-elite-mastercard","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/td-first-class-visa-infinite-vs-national-bank-world-elite-mastercard\/","title":{"rendered":"Head-to-Head: TD First Class Travel Visa Infinite vs. National Bank World Elite Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Having a good travel credit card in your wallet can do so much to help make your travels smoother, more affordable, and maybe even a little bit more luxurious.<\/p>\n<p>In this article, we&#8217;re going to put two of our favourite travel credit cards, <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" target=\"_blank\" rel=\"noindex noopener\">TD First Class Travel Visa Infinite* Card<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/nbc-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">National Bank World Elite Mastercard,<\/a> up against one another to see which one takes the top spot.<\/p>\n<p>Read on to find out which card wins!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724,401432\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>To make this comparison as fair as possible, we&#8217;ll compare the following 6 categories across both cards:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n<li><a href=\"#accumulation\">Earning Points<\/a><\/li>\n<li><a href=\"#utilisation\">Redeeming Points<\/a><\/li>\n<li><a href=\"#perks_benefits\">Perks and Benefits<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The first category that we&#8217;ll look at for our comparison of the <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> and the\u00a0<a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> is their welcome offers since these are often what initially catches the attention of a potential new cardholder.<\/p>\n<p>Also, since credit card welcome offers typically change a few times a year, we&#8217;ll be comparing the offers that are currently available to not play favourites.<\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;233603&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Currently, the <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> is showcasing a particularly valuable welcome offer of up to 165,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/td-rewards\/\" target=\"_blank\" rel=\"noopener\">TD Rewards points<\/a>, structured as follows:<\/p>\n<ul>\n<li>20,000 TD Rewards points when you make your first purchase on the card<\/li>\n<li>145,000 TD Rewards points when you spend $7,500 in the first 180 days of opening the account<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"177378\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>On the other side of our comparison, the <a title=\"National Bank World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> is offering up to 50,000 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/nbc-a-la-carte-rewards\/\" target=\"_blank\" rel=\"noopener\">\u00c0 la carte Rewards points<\/a> to new cardholders, broken down as follows:<\/p>\n<ul>\n<li>10,000 points after you spend $5,000 in the first 3 months as a cardholder<\/li>\n<li>20,000 points after you spend at least $20,000 in your first year with the card<\/li>\n<li>Plus 10,000 additional points if you enroll for credit card insurance for at least the first 3 months with the card<\/li>\n<\/ul>\n<p>Additionally, you can earn an extra 10,000 rewards points if you open an eligible National Bank chequing account within 7 days of applying for the new credit card.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"324829\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: TD First Class Travel Visa Infinite&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_td_first_class_travel_visa_infinite&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The winner of the welcome offer category is the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> with its excellent offer of up to 165,000 TD Rewards points for a reasonable minimum spend requirement and timeframe.<\/p>\n<p>Comparatively, the welcome offer attached to the <a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> just doesn&#8217;t offer the same value, and it requires considerably more spending in order to access the bonus points.<\/p>\n<p>That said, it&#8217;s important to note that since welcome offers do change often, the winner of this category may shift between the two contenders over time.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income&#8221; el_id=&#8221;minimum_income&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;382629&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> requires that you meet one of the the following minimum income criteria:<\/p>\n<ul>\n<li>$60,000 individual income<\/li>\n<li>$100,000 household income<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Comparatively, the <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">National Bank World Elite<\/a> <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">Mastercard<sup>&reg;<\/sup><\/a> <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">card<\/a> has the following minimum income requirements:<\/p>\n<ul>\n<li>$80,000 individual income<\/li>\n<li>$150,000 household income<\/li>\n<li>or assets under management of $400,000 or more<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: TD First Class Travel Visa Infinite&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_td_first_class_travel_visa_infinite&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For the minimum income category, the <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> takes the prize since it&#8217;s requirements are a bit lower than those needed to get the <a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;382629&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> comes with an annual fee of $139.<\/p>\n<p>That said, the card often waives this fee for the first year, and you can have the fee rebated every year if you have a TD All-Inclusive Banking Plan.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">National Bank World Elite Mastercard<\/a> has an annual fee of $150, but the bank often runs promotions where this fee is waived.<\/p>\n<p>However, National Bank is offering the benefit of <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nbc-annual-travel-credit\/\" target=\"_blank\" rel=\"noopener\">reimbursing up to $150 in eligible travel purchases<\/a> to offset the annual expense.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"170863\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;draw&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For the annual fee category, we&#8217;re calling it a tie.<\/p>\n<p>Both the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> and the\u00a0<a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">National Bank World Elite Mastercard<\/a> have fairly similar annual fees, and currently both cards are either waiving the cost or providing ways to have it offset.<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/guides\/tutoriels\/exoneration-des-frais-de-carte-de-credit\/\" target=\"_blank\" rel=\"noopener\">Saving the $139\u2013150 on the annual fee<\/a> is great for both cards, especially since both cards let you earn valuable rewards, and they offer strong perks and benefits (which we&#8217;ll get into just below).<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"251568\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" target=\"_blank\" rel=\"noindex noopener\">TD First Class Travel Visa Infinite* Card<\/a> and the\u00a0<a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" target=\"_blank\" rel=\"noindex noopener\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> earn two different types of points on all card purchases: TD Rewards points and NBC \u00c0 la Carte Rewards points, respectively.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Earning Rates&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;earning_rates&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;382629&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a>, you can<strong> earn up to 8 TD Rewards points per $1 spent<\/strong>.<\/p>\n<p>The card&#8217;s earning rates are tiered as shown in the table below:<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 149px;\">\n<thead>\n<tr style=\"height: 23px;\">\n<td style=\"width: 50%; text-align: center; height: 23px;\"><strong>Category<\/strong><\/td>\n<td style=\"width: 50%; text-align: center; height: 23px;\"><strong>Earning Rate<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 47px;\">\n<td style=\"width: 50%; text-align: center; height: 47px;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/expedia-for-td-guide\/\" target=\"_blank\" rel=\"noopener\">Travel booked through Expedia for TD<\/a><\/td>\n<td style=\"width: 50%; text-align: center; height: 47px;\">8 points per $1 spent<\/td>\n<\/tr>\n<tr style=\"height: 10px;\">\n<td style=\"width: 50%; text-align: center; height: 10px;\">Groceries, dining, and public transit<\/td>\n<td style=\"width: 50%; text-align: center; height: 10px;\">6 points per $1 spent<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 50%; text-align: center; height: 23px;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/recurring-payments\/\" target=\"_blank\" rel=\"noopener\">Recurring bill payments<\/a>, streaming, digital gaming, and media<\/td>\n<td style=\"width: 50%; text-align: center; height: 23px;\">4 points per $1 spent<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 50%; text-align: center; height: 23px;\">All other purchases<\/td>\n<td style=\"width: 50%; text-align: center; height: 23px;\">2 points per $1 spent<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Additionally, with the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a>, you can earn an annual Birthday Bonus of up to 10,000 TD Rewards points. The exact number of points you receive is calculated as 10% of the total number of points you earned in the 12 months leading up to your card&#8217;s anniversary.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"433893,214598\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/cartes-de-credit\/carte-world-elite-mastercard-de-banque-nationale\/\">National Bank World Elite Mastercard <\/a>earns <strong>up to 5\u00a0NBC reward points per $1 spent,\u00a0<\/strong>and the earning categories breakdown as follows:<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<thead>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><strong>Category<\/strong><\/td>\n<td style=\"width: 50%; text-align: center;\"><strong>Earning Rate<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 50%; text-align: center;\"><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-save-grocery\/\">Groceries<\/a> and Restaurants<\/td>\n<td style=\"width: 50%; text-align: center;\">5* points per $1 spent<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">Travel, gas, electric vehicle charing, and recurring bill payments<\/td>\n<td style=\"width: 50%; text-align: center;\">2 points per $1 spent<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 50%; text-align: center;\">All other purchases<\/td>\n<td style=\"width: 50%; text-align: center;\">1 point per $1 spent<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*It&#8217;s important to note that with the grocery and restaurant category, the elevated earning rate of 5 points per $1 spent is limited to the first $2,500 in spending each month (across all categories).<\/p>\n<p>After this amount is reached all grocery and restaurant purchases will earn 2 points per $1 spent for the rest of the month.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"126405\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; el_id=&#8221;draw&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For this category, we think that both the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> and the\u00a0<a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> offer strong earning rates across many key categories.<\/p>\n<p>However, it&#8217;s not really possible to confidently say that one card is better than the other in this area because the value of these earning rates has a lot to do with how you spend your money each month.<\/p>\n<p>Given this, ultimately, the best card for you depends on which categories your spend your money in the most, and which card lets you maximize your earning potential.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; el_id=&#8221;redeeming_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Since both the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> and the\u00a0<a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> earn different types of reward points, it&#8217;s no surprise that their redemption options differ as well.<\/p>\n<p>In this category, we&#8217;ll take a look at the different ways that you can redeem your <a href=\"https:\/\/www.tdrewards.com\/\" target=\"_blank\" rel=\"noopener\">TD Rewards<\/a> points and <a href=\"https:\/\/rewards.bnc.ca\/\" target=\"_blank\" rel=\"noopener\">NBC \u00c0 la Carte Rewards<\/a> points, and the approximate value that you can net from each option.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Redeeming Points&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;redeeming_points&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;382629&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> earns TD Rewards points on all your purchases, and with these accumulated points, you can redeem them the following ways:<\/p>\n<ul>\n<li>Travel booked through Expedia for TD (20,000 points = $100)<\/li>\n<li>Using Pay with Points for eligible travel expenses (22,500 points = $100)<\/li>\n<li>Using Pay with Points to cover non-travel expenses (40,000 points = $100)<\/li>\n<li>Cover your Amazon.ca purchases (0.33 cents = 100 points)<\/li>\n<li>Gift cards and merchandise (rates vary between (0.25\u20130.33 cents = 100 points)<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>On the other side of this comparison, the <a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" target=\"_blank\" rel=\"noindex noopener\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> can be redeemed through the bank&#8217;s \u00c0 la carte Rewards program a number of different ways:<\/p>\n<ul>\n<li>Travel booked with <a href=\"https:\/\/milesopedia.com\/en\/rewards\/travel-national-bank-transat\/\" target=\"_blank\" rel=\"noopener\">National Bank&#8217;s \u00c0 la carte Travel Agency<\/a> (10,000 points = $100)<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-nbc-rewards-points-travel\/\" target=\"_blank\" rel=\"noopener\">Statement credit for eligible travel expenses<\/a> (12,000 points = $100, but after 55,000 points redeemed the rate drops to 11,000 points = $100)<\/li>\n<li>Investments and savings, like RRSP and TFSA accounts (12,000 points = $100)<\/li>\n<li>Gift cards (12,000 to 13,500 points = $100)<\/li>\n<li>Statement credit for non-travel expenses (25,000 points = $100)<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"373558,194706\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: National Bank World Elite Mastercard&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_national_bank_world_elite_mastercard&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>For this category, both programs offer a nice diversity of redemption options, including multiple ways to redeem points for travel, and the ability to turn your account balances into gift card, merchandise, statement credits, and more.<\/p>\n<p>However, to really sort out the winner of this category, it&#8217;s not just about the different ways you can redeem, it&#8217;s also really important to look at the available value per point when redeeming.\u00a0<\/p>\n<p>As we can see above, the <a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> gives you up to 1 cent per point in value versus the <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" target=\"_blank\" rel=\"noindex noopener\">TD First Class Travel Visa Infinite* Card<\/a> which offers a maximum of 0.5 cents per point. Then, when we then factor in each card&#8217;s points-earning opportunities (even with the TD card offering slightly higher earning rates), we can see that the National Bank card offers more redemption value assuming the you spend identically on both cards.<\/p>\n<p>Given this, the <a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> gets to take home the top prize in this category.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Perks and Benefits&#8221; css=&#8221;&#8221; el_id=&#8221;perks_and_benefits&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;382629&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Cardholders of the\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> can enjoy the following perks and benefits:<\/p>\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\" target=\"_blank\" rel=\"noopener\">4 complimentary airport lounge passes<\/a> facilitated through <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/visa-airport-companion-program\/\">Visa Airport Companion Program<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-use-annual-travel-credit-td-first-class-visa-infinite\/\" target=\"_blank\" rel=\"noopener\">$100 TD Travel Credit<\/a><\/li>\n<li>Strong travel insurance coverage<\/li>\n<li>Car rental insurance<\/li>\n<li>Mobile device insurance, purchase protection, and extended warranty<\/li>\n<li>Savings with Avis and Budget car rental<\/li>\n<li>Access to <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/visa-infinite-vs-visa-infinite-privilege\/\" target=\"_blank\" rel=\"noopener\">Visa Infinite perks<\/a><\/li>\n<li>&#8230;and more\n<div class=\"component component__list checkmarks\">\u00a0<\/div>\n<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"49443,442658,439342,474795\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;341958&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Cardholders of the <a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> can enjoy the following perks and benefits:<\/p>\n<ul>\n<li>Annual credit of up to $150 for eligible travel expenses such as airport parking, baggage fees, seat selection, and more<\/li>\n<li>Free and unlimited access to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/yul-montreal-trudeau\/\" target=\"_blank\" rel=\"noopener\">National Bank Lounge at Montreal-Trudeau International Airport<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">Complimentary DragonPass membership<\/a>, giving you access to 1,300+ lounges around the world (~$32 USD per visit)<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\" target=\"_blank\" rel=\"noopener\">Comprehensive travel insurance<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/finances-personnelles\/assurances\/insurance-mobile-devices\/\" target=\"_blank\" rel=\"noopener\">Mobile device insurance<\/a><\/li>\n<li>Purchase protection and extended warranty<\/li>\n<li>&#8230;and more<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"137724,232290,204105,192394\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;draw&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> and the\u00a0<a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> are so well matched that we&#8217;re once again calling a category a draw.<\/p>\n<p>As we can see from the list of perks and benefits offered by each card, there&#8217;s lots of excellent value to be had.<\/p>\n<p>Both cards offer complimentary lounge access (though the TD card does offer more flexible options here), both cards offer travel credits\/reimbursements, and both cards provide cardholders with excellent travel insurance coverages.<\/p>\n<p>From these perks, we can easily see why these two cards are considered a couple of the strongest travel cards in Canada.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Now, after 6 categories worth of comparison, who do we think the winner of this battle is?<\/p>\n<p>Well, as you might have guessed given that 4 categories ended in a tie, we think that both of these cards are incredibly strong contenders and that either one would make an excellent addition to any travel wallet.<\/p>\n<p>The\u00a0<a title=\"TD First Class Travel Visa Infinite* Card - ROC\" href=\"https:\/\/milesopedia.com\/en\/go\/td-first-class-travel-visa-infinite-card\/\" rel=\"noindex\">TD First Class Travel Visa Infinite* Card<\/a> offers a slightly lower annual fee and minimum income requirement, making it a bit more accessible, so these characteristics may be the deciding factor for some people.<\/p>\n<p>Comparatively, the\u00a0<a title=\"National Bank World Elite Mastercard<sup>&reg;<\/sup>\" href=\"https:\/\/milesopedia.com\/en\/go\/world-elite-mastercard-from-national-bank\/\" rel=\"noindex\">National Bank World Elite Mastercard<sup>&reg;<\/sup><\/a> is known as one of the best travel Mastercards on the market and has some of the most comprehensive travel insurance coverage available, so if these factors speak to you, this may be your best choice.<\/p>\n<p>If you&#8217;re not quite decided, we recommend our articles <a href=\"https:\/\/milesopedia.com\/en\/avis\/produits\/8-reasons-td-first-class-travel-card\/\" target=\"_blank\" rel=\"noopener\">8 Reasons to Add the TD First Class Travel Visa Infinite Card to Your Wallet<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/why-apply-nbc-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">8 Reasons to Apply for the National Bank World Elite Mastercard in 2026<\/a> to dig into the nuances of each card a little more.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"442259,123585\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"401432,22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card 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