Which has the lower annual fee, Cash Back World Elite Mastercard or TD Cash Back Visa Infinite Card?

The Cash Back World Elite Mastercard has a $130 annual fee, while the TD Cash Back Visa Infinite Card charges $139/year.

Which card is better for groceries, Cash Back World Elite Mastercard or TD Cash Back Visa Infinite Card?

The Cash Back World Elite Mastercard earns 4% on groceries, while the TD Cash Back Visa Infinite Card earns 3%. The better choice depends on your grocery spending and the specific merchants you shop at.

Cash Back World Elite Mastercard vs TD Cash Back Visa Infinite Card — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

TD Cash Back Visa Infinite Card wins by $667/yr — strongest in bills & utilities

TD Cash Back Visa Infinite Card earns $144 more on bills & utilities
Cash Back World Elite Mastercard earns $128 more on groceries
$350 welcome bonus advantage

Bills & Utilities: +$144Groceries: +$128Entertainment: +$54

Cash Back World Elite Mastercard: $30/yr in foreign transaction fees

TD Cash Back Visa Infinite Card: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$495

/first year

1.2% effective$41/mo

vs 1% no-fee card: +$76

Annual rewards earned+$655

FX costs−$30

Annual fee−$130

Winner

$1,162

/first year

2.8% effective$97/mo

vs 1% no-fee card: +$744

Annual rewards earned+$842

Welcome bonus+$350

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingTD Cash Back Visa Infinite Card—$1,162Year 1 value

+$667 more than Cash Back World Elite Mastercard

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

Coming soon

The Bottom Line

TD Cash Back Visa Infinite Card wins by $667/yr — strongest in bills & utilities

TD Cash Back Visa Infinite Card earns $144 more on bills & utilities
Cash Back World Elite Mastercard earns $128 more on groceries
$350 welcome bonus advantage

Bills & Utilities: +$144Groceries: +$128Entertainment: +$54

Showing Year 1 analysis

TD Cash Back Visa Infinite Card wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

Found an error? Report incorrect data