TD First Class Travel® Visa Infinite* Card

Last updated: March 5, 2024
  • Up to 100,000 TD Rewards Points†
  • $550 First-year value
Application must be approved by June 3, 2024 to receive this offer
Signup bonus:
20,000 TD Rewards Points upon first purchase†
80,000 TD Rewards Points upon spending $5,000 within 180 days of account opening†
Total of up to 100,000 TD Rewards Points†
Annual fee:
$139, rebated for the first year†

Interest rates:
20.99% purchase
22.99% cash advance (20.99% QC)
22.99% balance transfer (20.99% QC)
Earning rate:
8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD†
6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases†
4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
2 TD Rewards Points† per dollar spent on all other eligible purchases†
Insurance:
Strong

The TD First Class Travel® Visa Infinite* Card is one of the most popular credit cards that allows you to earn points in the bank’s proprietary TD Rewards program.

With regular high-volume welcome bonuses, a strong return on travel purchases booked through Expedia, and a competitive insurance package, the TD First Class Travel® Visa Infinite* Card is a solid choice to incorporate into your TD credit card strategy.

Bonuses & Fees

Until June 3, 2024, the TD First Class Travel® Visa Infinite* Card is offering up to 100,000 TD Rewards Points as a signup bonus, distributed as follows:

  • 20,000 TD Rewards Points upon first purchase
  • 80,000 TD Rewards Points upon spending $5,000 within 180 days of account opening

Additionally, as an annual birthday perk, you can earn 10% of the TD Rewards Points earned in the previous 12 months back on your birthday. This perk is limited up to 10,000 TD Rewards Points per year.

This offer is down from the best-ever offer for up to 135,000 points we’ve seen on this card. However, it’s still a great option for those who are looking for the best cash deals, or who want more flexibility with your points, since TD Rewards Points can be redeemed against cash travel bookings.

The card has an annual fee of $139, which is currently rebated for the first year.To be eligible for the first-year annual fee rebate, you must activate your card and make your first purchase within three months of account opening.

Additionally, holding a TD Unlimited or All-Inclusive chequing account will also waive the annual fee on one TD credit card of your choice, including the TD First Class Travel® Visa Infinite* Card, on an ongoing basis.

Supplementary cards cost $50 apiece, and the current first-year fee annual fee rebate also applies to the first supplementary cardholder.To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

To be eligible for this offer, you must apply and be approved for the card by June 3, 2024.

Earning Rewards

The card’s earning rates are as follows:

  • 8 TD Rewards Points per dollar spent on travel booked through Expedia® for TD
  • 6 TD Rewards Points per dollar spent on groceries and restaurants
  • 4 TD Rewards Points per dollar spent on recurring bills and purchases
  • 2 TD Rewards Points per dollar spent on all other purchases

Since TD Rewards Points can be redeemed optimally at a value of 0.5 cents per point, this is equivalent to a 4%, 3%, 2%, or 1% return, respectively.

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia® for TD, an online travel portal operated in partnership with Expedia®.

You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia®. You’d apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point.

If you’d rather not book through Expedia® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD First Class Travel® Visa Infinite* Card. However, the rate isn’t quite as competitive at 250 points = $1, or 0.4 cents per point.

Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point.

Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia® for TD whenever possible, in order to maximize their value.

TD Rewards Points never expire as long as you’re a cardholder. If you cancel or switch your card to a different product, you’ll have 90 days’ time to redeem your TD Rewards Points before they go away.

However, you’ll lose the ability to book through Expedia® for TD for 0.5 cents per point, and you’ll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

TD First Class Travel® Visa Infinite* cardholders are eligible to earn a $100 credit on accommodations and vacation packages booked through Expedia® for TD. This benefit is available annually to cardholders, and notably does not include flights. However, it certainly helps to offset the $139 annual fee that the card commands, beginning in the second year.

Cardholders can also get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally.

Insurance Coverage

As one of TD’s flagship travel rewards credit cards, the TD First Class Travel® Visa Infinite* Card offers a strong set of insurance provisions.

The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+.

There’s also trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, up to a maximum of $5,000 and $25,000 per trip, respectively.

While flying, cardholders are covered for up to $500 in flight delay insurance and an aggregate amount of $1,000 for lost, stolen, or delayed baggage.

And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase.

Lastly, it also comes with Mobile Device Insurance. By paying for your smartphone, tablet, or smartwatch using your TD First Class Travel Visa Infinite Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months!

Historical Offers

Legal Disclaimers

Apply Now

As a Visa Infinite* product, this credit card has a minimum personal annual income of $60,000 or a minimum household income of $100,000 to be eligible. You must also be a Canadian resident, and the age of majority in your province/territory of residence.

Follow the link below to the TD website to learn more about this card and submit an application.

3 Comments
  1. Dan

    I had applied to this card in August 2022 and received the Welcome Bonus. I eventually cancelled the card in May 2023 after travelling with the TD Expedia points. For 10 months the account was open. It has been 9 months since I closed the TD First Class Travel Visa Infinite Card. Do you think the chances of receiving the Welcome Bonus again is high or low? According the terms and conditions, it has not been 12 months since I closed the account, so I may not be granted the Welcome Bonus. I am concerned they will grant me the card but hold back the Welcome Bonus. Does anyone have any experience to share regarding this situation?

  2. pinkpeppercorn

    Looks like a conceivable way to help supplement the cost of theme park tickets in a few places! If only I knew the tickets were easy to use …. say at Disney World. Data points are mixed.

  3. Ron

    This offer for Quebec used to be no MSR, just keep account open for 90 days, but now it also requires MSR of $1500.

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