Which has the lower annual fee, Odyssey Visa Infinite Privilege or TD First Class Travel Visa Infinite Card?

The Odyssey Visa Infinite Privilege has a $130 annual fee, while the TD First Class Travel Visa Infinite Card charges $139/year.

Which card is better for groceries, Odyssey Visa Infinite Privilege or TD First Class Travel Visa Infinite Card?

The Odyssey Visa Infinite Privilege earns 3% on groceries, while the TD First Class Travel Visa Infinite Card earns 3x. The better choice depends on your grocery spending and the specific merchants you shop at.

Odyssey Visa Infinite Privilege vs TD First Class Travel Visa Infinite Card — Which Is Better? | Churnr

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

TD First Class Travel Visa Infinite Card wins by $1,664/yr — strongest in dining & restaurants

TD First Class Travel Visa Infinite Card earns $79 more on dining & restaurants
TD First Class Travel Visa Infinite Card earns $77 more on bills & utilities
$1,320 welcome bonus advantage

Dining & Restaurants: +$79Bills & Utilities: +$77Groceries: +$77

Odyssey Visa Infinite Privilege: $30/yr in foreign transaction fees

TD First Class Travel Visa Infinite Card: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$295

/first year

0.7% effective$25/mo

vs 1% no-fee card: −$123

Annual rewards earned+$455

FX costs−$30

Annual fee−$130

Winner

$1,959

/first year

4.7% effective$163/mo

vs 1% no-fee card: +$1,540

Annual rewards earned+$669

Welcome bonus+$1,320

First-year fee waiver+$139

FX costs−$30

Annual fee−$139

Best for your spendingTD First Class Travel Visa Infinite Card—$1,959Year 1 value

+$1,664 more than Odyssey Visa Infinite Privilege

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Earn Rates by Category

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The Bottom Line

TD First Class Travel Visa Infinite Card wins by $1,664/yr — strongest in dining & restaurants

TD First Class Travel Visa Infinite Card earns $79 more on dining & restaurants
TD First Class Travel Visa Infinite Card earns $77 more on bills & utilities
$1,320 welcome bonus advantage

Dining & Restaurants: +$79Bills & Utilities: +$77Groceries: +$77

Showing Year 1 analysis

TD First Class Travel 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

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