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.
Bonuses & Fees
Until May 28, 2023, the TD First Class Travel Visa Infinite is offering 145,000 TD Rewards points as a signup bonus:
- 20,000 TD Rewards points upon first purchase
- 115,000 TD Rewards points upon spending $5,000 in the first three months
Additionally, as an annual birthday perk, you can earn 10% of your TD Rewards points earned in the previous 12 months back on your birthday. This perk is limited up to 10,000 points per year.
This bonus is an all-time-high on this card, making this another great option for those who want are always looking for the best cash deals or want more flexibility with your points as TD Rewards points can be redeemed against cash travel bookings.
The card has an annual fee of $139, 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:
- 8 TD Rewards points per dollar spent on travel booked through Expedia for TD
- 6 TD Rewards points per dollar spent on grocery 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% and 1% 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.
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 card holders and notably does not include flights, however this will help offset the $139 annual fee that the card commands.
Cardholders can also 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.