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

TD First Class Travel^® Visa Infinite^* Card is offering up to 135,000 TD Rewards Points^† as a signup bonus, distributed as follows:

• 20,000 TD Rewards Points upon first purchase^†
• 115,000 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 the best-ever offer we've seen on this card. It's 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 January 6, 2025.^†

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!^†