The TD First Class Travel Visa Infinite is one of the most popular credit cards that allow 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 is a solid choice to incorporate into your TD credit card strategy.
Until May 30, 2021, the TD First Class Travel Visa Infinite is offering 60,000 TD Rewards points as a signup bonus:
Quebec residents don’t need to meet a minimum spend in order to earn the latter chunk of 40,000 points; they simply need to keep their account open and in good standing for 90 days.
The card has an annual fee of $120, which is currently waived for the first year.
In addition, 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 First Class Travel Visa Infinite, on an ongoing basis.
Supplementary cards cost $50 apiece, and the current first-year fee waiver also applies to the first supplementary cardholder.
The card’s earning rates are as follows:
Since TD Rewards points can be redeemed optimally at a value of 0.5 cents per point, this is equivalent to a 4.5% and 1.5% return, respectively.
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. 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, although 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.
TD First Class Travel Visa Infinite cardholders can get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally.
In addition, cardholders will also receive an annual discount on a Priority Pass lounge membership, although this benefit isn’t nearly as strong as other credit cards that offer a Priority Pass membership (often with free lounge visits) as a complimentary perk.
As one of TD’s flagship travel rewards credit cards, the TD First Class Travel Visa Infinite offers a strong set of insurance provisions.
The card comes with 21 days of emergency medical travel insurance of up to $1,000,000 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.