td first class travel visa review

• Credit Cards
• TD First Class Travel Visa Infinite Card Review

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Apr 25, 2024, 4:56pm

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

• Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

• Get an Annual Fee Rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
• Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
• Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.
• No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make.

• Earn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia For TD
• Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants
• Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments
• Earn 2 TD Rewards Points for every $1 you spend on other purchase
• Earn an annual Birthday Bonus of up to 10,000 TD Rewards Points, or 10% of the total number of TD Reward Points earned in the previous 12 months

There is an annual spend cap of $25,000 for each of the accelerated categories. Once you exceed that maximum, you’ll earn 2 TD Rewards Points for every dollar spent.

Here’s an example of how many TD Rewards Points you could get in the first year, including 100,000 TD Rewards Points (20,000 welcome bonus plus 80,000 points when you spend $5,000 within 180 days of account opening):

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility, which this card is lacking.

Credit card reward perks include:

• Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals
• Link your eligible card to earn 50% more TD Rewards Points and Starbucks Stars
• Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you like to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to $1 off travel purchases. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

• Comprehensive travel insurance coverage.
• Discounts on car rentals with Avis and Budget Rent-A-Car.
• Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

More Card Benefits and Features

TD Rewards Program Benefits:  

• Go places on points and redeem through Expedia for TD (where your points are worth more) or book through any other travel agency or website and use your points within 90 days of purchase.
• Shop online for merchandise and gift cards through TDRewards.com
• Pay with rewards and pay down your credit card balance with points.

Travel Benefits:

• Annual $100 TD Travel Credit on your first eligible travel credit purchase of $500 or more made with Expedia for TD
• Travel medical insurance, up to $2 million of coverage for the first 21 days (or the first four days if you or your spouse is aged 65 or older)
• Flight/trip delay insurance, up to $500 in coverage if your flight is delayed for over four hours
• Trip cancellation, up to $1,500 per person with a maximum of $5,000 for all insured persons
• Trip interruption, up to $5,000 per person, with a maximum of $25,000 for all insured persons
• Common carrier travel accident insurance, up to $500,000
• Emergency travel assistance services
• Delayed and lost baggage insurance, up to $1,000 per person if your baggage is delayed more than six hours or lost
• Auto rental collision/loss damage insurance, up to 48 consecutive days
• TD’s Credit Card Travel Insurance Verification Tool lets you  check your insurance benefits
• Hotel/motel burglary insurance, up to $2,500 of coverage 

Additional Benefits and Features:

• TD Payment Plans let you turn purchases of $100 or more into manageable six, 12 or 18 month payment plans
• Save a minimum of 10% off the lowest available base rate with Avis Rent A Car and Budget Rent A Car in Canada and the U.S. and 5% internationally
• Use Apple Pay, Google Pay or Samsung Pay where contactless payments are accepted

Visa Infinite Benefits:

• Complimentary Visa Infinite Concierge 24/7
• Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 hotels
• Visa Infinite Dining Series gives you access to exclusive gourmet events
• Visa Infinite Wine Country Program gives exclusive benefits at over 95 participating wineries in B.C., Ontario and Sonoma Valley, including discounts on wine purchases, complimentary tastings, private vineyard tours and more
• Visa Infinite Entertainment Access provides exclusive access to tickets to curated events
• Visa Infinite Troon Golf provides elevated Troon Rewards Silver Status at over 95 courses and 10% off green fees, merchandise and lessons 
• Mobile device insurance, up to $1,000 of coverage in the event of loss, theft, accidental damage or mechanical breakdown
• Chip and PIN technology provides an added level of security
• Purchase security and extended warranty protection within 90 days or purchase, or double the warranty period (up to 12 months) if the item comes with a manufacturer’s warranty
• Visa Secure provides you with increased security and convenience when you shop online
• Instant TD Fraud Alerts whenever there is any suspected suspicious activity
• Set transaction limits, block international purchases or lock your credit card in the TD app
• Pay online with Click to Pay 

Optional Benefits:

• Optional TD Credit Card Payment Protection Plan helps you with your payment obligations in the event of a covered job loss, total disability or loss of life
• Optional TD Auto Club Membership that provides 24/7 emergency roadside assistance

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.50%
• Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by June 3, 2024)
• Any other fees:  Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Why should you get a travel rewards credit card?

A travel rewards card helps you earn points on everyday purchases (like groceries) that can be redeemed for travel-related expenses, like flights and hotels. You even earn points on travel-related bookings, earning 8 TD Rewards Points for every $1 you spend when you book travel through Expedia for TD.

How do you earn TD Rewards Points?

You earn points with travel bookings, shopping at a grocery store or eating at a restaurant, on recurring bill payments and everyday purchases.

How do you redeem TD Rewards Points?

You can redeem your TD Rewards Points when  you book travel online through Expedia for TD, or any other travel provider. You can redeem your points on Amazon.ca with Amazon Shop with Points or shop for merchandise on TDRewards.com. Finally, you can also redeem TD Rewards Points to pay your credit card account balance on the TD app or EasyWeb.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

• Best Credit Cards
• Best Travel Credit Cards
• Best Airport Lounge Access Credit Cards
• Best Cash Back Credit Cards
• Best Credit Cards for Bad Credit
• Best Aeroplan Credit Cards
• Best No Foreign Transaction Fee Credit Cards
• Best Balance Transfer Credit cards
• Best Rewards Credit Cards
• Best Mastercards
• Best Student Credit Cards
• Best Secured Credit Cards in Canada
• Best Business Credit Cards
• Best of Instant Approval Credit Cards
• Best Prepaid Credit Cards
• Best No-Annual-Fee Credit Cards
• Best Low-Interest Credit Cards
• Best Neo Financial Credit Cards
• Best Visa Cards
• Best Air Miles Credit Cards
• TD Aeroplan Visa Infinite Privilege Review
• EQ Bank Card Review
• TD Aeroplan Visa Platinum Card Review
• Scotiabank Platinum American Express Card
• TD® Aeroplan® Visa Infinite* Card
• KOHO Prepaid Mastercard Review
• MBNA Rewards World Elite Mastercard
• MBNA True Line Mastercard Review
• The American Express Business Edge Card Review
• TD Rewards Visa Card Review
• RBC Avion Visa Infinite Review
• Scotiabank Gold American Express Card
• Neo Secured Credit Card Review
• Home Trust Secured Visa Review
• American Express Aeroplan Card Review
• Tangerine Money-Back Card Review
• TD Cash Back Visa Infinite
• TD Platinum Travel Visa Card Review
• Scotiabank Scene+ Visa Card
• Credit Card Interest Calculator
• Credit Card Minimum Payment Calculator
• Credit Card Expiration Dates: What You Need To Know
• What Is The Highest Limit Credit Card In Canada?
• What Is The Highest Credit Score Possible?
• Money transfer from Credit Card to the Bank
• How To Get Cash From A Credit Card At An ATM
• The Stack Mastercard Is No More
• How Is Your Credit Card Interest Calculated?
• How To Pay Your Mortgage With A Credit Card
• Does Applying For A Credit Card Hurt Your Credit?
• How To Check Your Credit Card Balance
• Cathay Pacific and Neo Financial Are Launching A Credit Card
• 4 Ways To Consolidate Credit Card Debt
• How To Get A Business Credit Card
• Canceling Credit Cards: Will I Get My Annual Fee Back?
• Can I Use A Personal Card For Business Expenses?

More from  

Tim hortons credit card (tims card) review 2024, cibc costco mastercard review 2024: avid costco shoppers should not leave home without it, pc world elite mastercard review 2024, pc insiders world elite mastercard review 2024: earn the most pc optimum points in canada, cathay world elite mastercard review 2024: the only credit card in canada that earns asia miles, ja money card review 2024: earn cash back while learning about money management.

This browser is not supported. Please use another browser to view this site.

• Credit cards
• Newcomers to Canada
• ETF finder tool
• Best crypto
• Couch potato
• Fixed rates
• Variable rates
• Mortgage payment calculator
• Income property
• Renovations + maintenance
• Compound interest calculator
• Household finances
• Find a Qualified Advisor Tool
• Monthly budget template
• ETF Finder Tool
• Student money
• First-time home buyers
• A Guide For New Immigrants
• Best dividend stocks
• Best online brokers
• Where to buy real estate
• Best robo-advisors
• Making sense of the markets
• Ask a Planner
• A Rich Life
• Interviews + profiles
• Retired Money

Advertisement

By Winston Sih  and  Courtney Reilly-Larke on March 31, 2022 Estimated reading time: 6 minutes

TD First Class Travel Visa Infinite Card review

This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.

With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite Card may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com. 

Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite Card becomes a solid choice for avid travellers.

TD First Class Travel Visa Infinite Card

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

The TD First Class Travel Visa Infinite Card

• Three things you need to know about the TD First Class Travel Visa Infinite Card
• How to redeem your TD Rewards
• What are the best ways to benefit from this card?

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

4 things to know about the td first class travel visa infinite card, 1. the you earn points under the td rewards program.

T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class Travel Visa Infinite Card might be more up your alley.

2. Your points go farther when you book with ExpediaForTD.com

If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1. 

3. The card comes with a generous welcome bonus

You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024..  Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD. 

4. You’ll get great travel insurance

The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).

How to redeem your TD Points:

You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).

Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending. 

In both cases, the TD First Class Travel Visa Infinite Card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel. 

Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.

How to optimize the TD First Class Travel Visa Infinite Card

Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal. 

If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.

Does the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category. 

Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite Card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).

Finally, the TD First Class Travel Visa Infinite Card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks. 

Bottom line

TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite Card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.

More on  credit cards :

• Canada’s best travel cards 2022
• Canada’s best credit cards for gas
• Canada’s best credit cards for grocery purchases 2022
• Best cash back credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy .

Share this article Share on Facebook Share on Twitter Share on Linkedin Share on Reddit Share on Email

Comments Cancel reply

Your email address will not be published. Required fields are marked *

One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?

I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.

So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.

I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.

This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.

I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022

This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.

We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.

I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,

I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

Related Articles

Mazda MX-5 review: The best used sports car

Mazda’s beloved two-seater convertible is fast, fun and fabulous to drive. Here’s how to find a good used one.

GMC Yukon review: The best used large SUV

The hardworking GMC Yukon offers the best value among used SUVs in Canada—especially if it has a Duramax diesel...

Kia Soul review: The best used small SUV

I peer deep into the Kia Soul for this review—and I like what I see. Find out why this...

Dodge Grand Caravan review: The best used minivan for most families

Canadian families adore the Dodge Grand Caravan. Here’s why it offers great value as a second-hand minivan—and what to...

Ford Escape review: The best used hybrid car

The Ford Escape entered its fourth and current generation in 2020—alongside a compelling hybrid-powered variant. Our review outlines its...

Ford F-150 review: The best used pickup truck

This hardworking pickup is still the bestselling vehicle in North America. Here’s how to choose a great pre-owned F-150...

Toyota Corolla review: The best used small sedan

The Corolla is Toyota’s bestselling vehicle, as it’s easy to see why. Here’s what we love about it, inside...

Lexus ES review: The best used small luxury car

If you want luxury without a sky-high price tag, consider Lexus’ entry-level sedan. Here’s what to look for when...

Genesis G90 review: The best used large luxury car

Looking for a used large luxury car? Consider a Genesis G90. Here’s why it’s one of Canada’s best pre-owned...

Honda Accord review: The best used car for families

This fun-to-drive, reliable and roomy ride is our pick for the best used family sedan in Canada—find out why.

TD First Class Travel® Visa Infinite* Card review

Welcome Offer Ends Jun 3, 2024

Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.

• Rates & Fees

8 Points Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†

6 Points Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†

4 Points Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†

2 Points Earn 2 TD Rewards points for every $1 you spend using your card.†

10% Bonus Points Each year, received a birthday bonus equal to 10% of the total number of points earned over the 12 preceding months.†

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

USD The annual fee is in USD

$139 Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.

20.99% Purchase APR APR for purchases 20.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

Good Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

By Tyler Wade & Scott Birke

Updated: April 23, 2024

More great credit card content

• Compare credit cards in Canada
• Best Canadian credit cards
• Best cash back credit cards
• Best travel credit cards
• Best rewards credit cards
• Best no annual fee credit cards
• Best credit card offers
• Best credit cards for rental car insurance
• Best student credit cards

This offer is not available for residents of Quebec.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD†. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Who's the TD First Class Travel® Visa Infinite* Card for?

A travel lover who wants to accumulate points fast on everyday spending without any loyalty to a particular brand of store, but ideally can be loyal to TD Bank and their booking portal Expedia For TD to find the best travels deals. 

TD First Class Travel® Visa Infinite* Card Welcome bonus

Earn up to $800 in value † , including up to 100,000 TD Rewards Points, no Annual Fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card † .
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points † .
• Get an annual TD Travel Credit † of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year † .

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

Pros and Cons of the TD First Class Travel® Visa Infinite*

Major combined value for the welcome bonus (up to $800†)

Good base earn rate on all purchases

Huge earn rate when you book travel through Expedia® For TD†

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Does not provide free lounge access

Charges foreign transaction fees

How to earn TD Points with the TD First Class Travel Visa Infinite

• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
• Earn 2 TD Rewards Points For every $1 you spend on other purchases made using your card†

Points don’t expire as long as your account is active, and the card has no caps on the total amount of TD Points that can be earned.

How to redeem your TD Points

Though there are a number of redemption options with TD Points, you get the best value when redeeming for travel via one of two methods:

1. Book Any Way†

The Book Any Way† redemption path allows you to charge eligible travel expenses to your credit card and then retroactively redeem your points for those expenses within 90 days of the expense date. Travel expenses may include but are not limited to:

• Air travel taxes
• Baggage fees
• Airport parking and shuttles
• Car rentals
• Local commuter transport, like trains, buses or subways
• Travel attractions and entertainment

Each point redeemed via Book Any Way† is worth $0.004 for the first $1,200 of any redemption and $0.005 for the remainder of any redemption above $1,200.

Expedia® For TD

Points can alternatively be redeemed for flights, hotels, vacation packages and rental cars via ExpediaForTD.com. Redeeming with this method yields a flat value of $0.005 per point. The site will indicate the dollar value of the TD points you have on hand, and then you apply those points to your travel purchase when checking out.

Aside from the high value in earning and redeeming rewards via ExpediaForTD.com, the platform also provides a nice price guarantee feature: If you find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in, Expedia will refund the difference between what you paid and the lower rate you found.

2. Other redemption paths

TD Points can also be redeemed for the following, though the value you get per point tends to be lower than what you get for the above two travel redemption methods.

• Amazon’s Shop with Points † : Select your TD card  as your method of payment at Amazon.ca checkout , then automatically apply points toward your purchase. 10K TD Points can be redeemed for $33 (value of $0.0033 per point) and can be redeemed for Amazon.ca purchases either in part or in full.
• TD’s Shop the Mall † :  Redeem points for clothing, electronics and computers from retailers like Roots, Zara, and the Body Shop.
• TD’s Shop the Catalogue † : Redeem points for merchandise including clothing, games, furniture, and appliances.
• Gift cards †  at retailers like Bed Bath & Beyond, Best Buy, Canadian Tire, and more.
• Cash statement credit †  for your TD card account. This requires a minimum 10K points to redeem. The first 10,000-point minimum is worth $0.005 per point and then each additional 400 points is worth $1 (0.0025 per point).
• Education credit †  via HigherEdPoints.com . Credits must be purchased in minimum 62,500 points/$250 credit increments, for a redemption value of $0.004 per point.

TD First Class Travel Visa Infinite key benefits

• Excellent welcome bonus of up to $800 in value, including up to 100,000 TD Rewards Points and no annual fee for the first year. 
• High earn rate on travel, groceries and restaurants, and recurring bills without loyalty to a particular store
• Comprehensive travel insurance 

TD First Class Travel Visa Infinite travel insurance and other protections

You can check out our  guide to credit card travel insurance  to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

TD First Class Travel Visa Infinite extra benefits

• $100 annual travel bonus
• Mobile device insurance
• Earn more at Starbucks when you link your card
• Save a minimum of 10% with Avis and Budget in Canada and the U.S. (5% savings elsewhere)
• Apple pay, Google Pay, or Samsung Pay to instantly use your credit card. 
• Complimentary Visa Infinite Concierge 24/7 for any cardholder request
• Visa Infinite Luxury hotel collection, dining series, wine country, and entertainment access. 

What people have to say about the TD First Class Visa Infinite

Redditor, alwaysdetermined points out that yes, the annual fee can be waived with TD's All Inclusive but notes "the All-Inclusive costs $29.95, but that account fee can be waived if you keep $5,000 in the account at all times."

Reddit user, SensitiveAward , has the card, says they travel multiple times a year and is please with the insurance coverage saying "TD [credit card] comes out cheaper" when comparing it to third-party travel insurance products. 

However, some users say the Expedia For TD prices are higher than regular Expedia rates, so be sure to cross reference the two portals before booking (and clear your internet cache or browse in incognito to prevent tracking)

TD First Class Visa Infinite eligibility requirements, fees, and rates

• Minimum income:  $60,000 individual and $100,000 household annual income
• Foreign transaction fee: 2.5%
• Annual fee: $139, $50 for each additional cardholder (fees can be waived with TD's All inclusive banking plan)

How does TD First Class Visa Infinite compare?

When comparing  travel credit cards  with similar annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate† effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD, want to avoid the foreign transaction fees and want free airport lounge access. 

TD First Class Travel Visa Infinite vs. Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

TD First Class Travel Visa Infinite vs. BMO Ascend™ World Elite®* Mastercard®*

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.* 

Is the TD First Class Travel Visa Infinite worth it?

Yes, for its welcome bonus alone it's a great card. You'll also get a first year annual fee rebate, high earn rate in everyday spending, 10% annual birthday bonus, a $100 annual travel credit, and comprehensive travel coverage. 

Is TD First Class Travel good?

Yes, especially if you're a TD client. You can't lose with its awesome welcome bonus, high earn rate in everyday spending, special perks like its birthday bonus and $100 annual travel credit (nearly negating its annual fee), and full suite of insurance coverage.

Does TD First Class Travel have lounge access?

No, there is no airport lounge access with the TD FIrst Class Travel Visa Infinite. Check out the BMO Ascend or Scotiabank passport for cards with similar annual fees that include airport lounge access .

What does TD First Class Travel Cover?

It's the full suite of travel insurance as well as purchase protection and rental car. Check out all the details in the TD First Class Travel review insurance section.

About our authors: faces of finance

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca. He was the host and producer of the Real Money Talk podcast. He's the father of two, husband to one, and loves all things tiny.

Scott Birke is a finance editor and writer with an interest in credit cards, investing, saving money and personal finance. Scott joined Wise Publishing from Finder, and his byline has appeared in the National Post, Mountain Life and Rock and Ice. When he's not trying to help Money.ca readers save money by comparing better financial products, he can be found riding his snowboard or mountain bike or listening to his small (but growing) vinyl collection.

Latest Articles

Quebec liquor board to cull spirits from shelves as local distillers struggle

Canadian business: 5 things to watch for this week

Fair share: the right office solution can take finding the right partner

Bidders express interest in buying all or part of SaltWire newspaper business

Planning a summer trip to Quebec's Îles-de-la-Madeleine? You'll have to pay up.

Globe wins seven newspaper awards; CP recognized for CSIS investigation

The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.

• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 80,000 additional points when you spend $5,000 in the first 180 days
• Annual $100 travel credit (accommodations & vacation packages)
• Birthday bonus of up to 10,000 points
• Earn 8 points per $1 spent when you book on Expedia for TD
• Earn 6 points per $1 spent on groceries and dining
• Earn 4 points per $1 spent on recurring bills
• Earn 3 per $1 spent on all other purchases

Welcome bonus and earn rate

The TD First Class Visa Infinite Card is one of TD’s most popular cards. The welcome bonus is typically quite generous and hovers between 80,000 – 145,000 TD Rewards points. The welcome bonus is comparable to cards on my list of the best travel credit cards in Canada .

As for the earn rate, you’ll get 8 points per dollar spent on Expedia for TD purchases. 6 points per dollar spent on groceries and dining. 4 points per dollar spend on recurring bills and 3 points on all other purchases.

To give you some perspective, when using TD Rewards points on Expedia for TD purchases, 1 point is worth $0.50. That means the base earn rate gets you 1.5% back in travel rewards, which is quite good.

Although the card has an annual fee of $139, it’s usually waived for the first year. You can also get the annual fee waived every year if you have a TD All-inclusive bank account. 

Benefits and perks

If you’re reading my TD First Class Travel Visa Infinite Card review, then you’ll want to know about all the benefits. What’s interesting is that this card recently had an update and now comes with some pretty fun perks.

$100 annual travel credit

When you book accommodations or vacation packages on Expedia for TD worth at least $500, you’ll get a $100 credit back on your credit card. This is a pretty unique benefit that puts money back in your pocket, but it does not apply to all travel categories. In addition, this benefit only applies to individual bookings and is not cumulative.

10% birthday bonus

One unique perk is the birthday bonus worth up to 10,000 TD Rewards points. To earn this bonus, TD will give you 10% of the points you’ve earned in the year leading up to your birthday. Welcome bonuses don’t count. For example, if you earned 93,000 TD Rewards points in the year leading up to your birthday, you’d earn 9,300 extra TD Rewards points on your birthday.

Save on rental cars

Cardholders get at least 10% off the base rate when renting vehicles in Canada and the U.S at Avis or Budget and paying with your TD Aeroplan Visa Infinite Card. If you’re travelling internationally, you’ll save at least 5% at participating locations.

Travel insurance

• Travel medical – $2,000,000 for 21 days / 4 days if you’re 65 or older
• Trip cancellation – up to $1,500 per person / $5,000 total
• Trip interruption – up to $5,000 per person / $25,000 total
• Flight/trip delay insurance – $500 per person – 4 hours
• Delayed and lost baggage – up to $1,000 / 6 hours
• Auto rental collision/loss damage – 48 consecutive days / $65,000
• Hotel/motel burglary insurance – $2,500
• Common carrier travel accident – $500,000

The travel insurance included is competitive and comparable to my list of the best credit cards with travel insurance , but it does lack two major types of travel insurance.

The 21 days of travel medical insurance is pretty good, but like many other credit cards, it only gives 4 days if you’re 65 or older. You’ll obviously need more coverage if you fall into that age range.

Note that was this card, you only need to charge 75% of your trip costs for your flight/trip delay and hotel/motel burglary insurance to apply. However, for trip cancellation and auto rental collision, you need to charge 100% of the cost to your card.

Mobile device insurance

Many people aren’t aware that the TD First Class Travel Visa Infinite Card comes with mobile device insurance. When you charge at least 75% of the total device or monthly plan cost to your card, you’ll be insured for up to $1,000. That said, like other mobile device insurance plans, depreciation applies when making a claim. Both cellular phones and tablets count as mobile devices.

Purchase insurance

• Purchase security – 90 days
• Extended warranty – Up to 1 additional year

The purchase security insurance covers your good from theft, loss, and damage for 90 days. With extended warranty, you your warranty doubled up to one additional year.

Visa Infinite benefits

• Concierge service –  The Visa Infinite Concierge is available 24/7 and can help you secure concert tickets, make dinner reservations and more.
• Luxury Hotel Collection – You’ll get exclusive benefits such as resort credits and room upgrades when booking accommodations through the Visa Luxury Hotel Collection.
• Dining Series –  Get access to some culinary events, such as celebrity chef meetups and tasting menus.
• Wine Country program –  Your Visa Infinite Card gets you discounts and free wine tastings at participating wineries in British Columbia, Ontario and Sonoma Valley.
• Entertainment access –  Throughout the year, cardholders get invites and exclusive access to the Toronto International Film Festival.
• Troon Golf –  Troon Rewards Silver Status is given to cardholders. With your status, you’ll get 10% off green fees, merchandise and lessons.

How to redeem your points

TD Rewards allows you to book travel in multiple ways, giving you more options. Given the flexibility, many people love TD Rewards. However, your points will have a different value depending on how you redeem them.

Expedia for TD

Expedia for TD is TD’s main travel redemption option. 200 TD Rewards points get you $1 off Expedia for TD travel bookings. This essentially makes one TD Reward point worth .5 cents. Expedia for TD is nearly identical to Expedia.ca. That means you’ll get access to a large inventory of flights, hotels, car rentals, all-inclusive packages and attraction tickets.

To redeem TD Rewards points on Expedia for TD, you have to log in to TD Rewards and click on the Expedia for TD link. When you’re ready to pay, you’ll be given the option to use your TD Rewards points. Generally, Expedia has very competitive prices.

Booking on your own

TD Rewards points can also be used to offset travel expenses you charge directly to your TD First Class Travel Visa. The redemption rate is 250 points = $1 (or a value of .4 cents per point). That means you get 20% less value than using your points on Expedia for TD. That said, when you make a travel purchase on your own that’s more than $1,200 in value, any amount that’s $1,201 or above would have a redemption value of 200 points for $1.

Even though you get less value by booking on your own, there are a few reasons to consider this option. The first reason is that you are not restricted to what is available on Expedia for TD, so you can use points for bookings on Airbnb or booking.com. The second reason why booking on your own travel is handy is that most hotel chains will require that you book directly with them to enable loyalty membership status and perks.

TD First Class Travel Visa Infinite Card eligibility

• You’re a Canadian citizen, or you’re a permanent resident
• You’re at least the age of majority in the province or territory where you reside
• You have a minimum annual personal gross income of $60,000 or a household income of $100,000

As a Visa Infinite card, there are very specific eligibility requirements. Even though there’s no formal credit score requirement listed, you’ll likely need your credit score to be at least 700 to be approved. That’s because a credit score of at least that number would put you in good standing or higher.

How the TD First Class Visa Infinite compares

As a mid-tier travel rewards credit card, the TD First Class Travel Visa Infinite Card has a lot of competition. Not only does it compete with other bank credit cards, but there are also airline credit cards worth looking at too.

TD First Class Visa Infinite Card vs. Scotiabank Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite Card is a very popular travel credit card since it gives you get six free annual airport lounge passes and has no foreign transaction fees. The earning rate of this card is similar to what TD offers. The overall insurance package offered by TD is slightly better.

TD First Class Visa Infinite Card vs. American Express Gold Rewards Card

Another great mid-tier travel card is the American Express Gold Rewards Card . Although the card has an annual fee of $250, you get an annual $100 travel credit and a Priority Pass Membership with four free annual Plaza Premium airport lounge passes. What makes this card stand out is the fact that you earn American Express Membership Rewards points. These points can be transferred to Aeroplan at a 1:1 ratio.

TD First Class Visa Infinite Card vs. TD Aeroplan Visa Infinite Card

If your goal is to travel for less, then the TD Aeroplan Visa Infinite Card should also be considered. With this card, you’ll earn Aeroplan points on all eligible purchases. This is relevant because Aeroplan is Air Canada’s loyalty program and one point can easily be worth between 1.5 – 2 cents each. In addition, by having this card, you get your first checked bag free and preferred pricing on Aeroplan redemptions.

Final thoughts

My TD First Class Travel Visa Infinite Card review is positive. It’s an ideal card for people in the following situations:

• You want to save on travel – TD Rewards points are highly flexible and best used via Expedia for TD.
• You bank with TD – If you have an All-Inclusive Banking Plan, the annual fee is waived for this card.
• You want insurance – The included travel and purchase insurance with this card is excellent.

Although Expedia for TD may not be the best rewards program out there, it’s easy to understand and there are no blackout dates. Plus, the overall insurance package you get with this card is excellent. That said, the earn rate for this card is not as good as other cards out there.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

Hi Barry! Thanks for another great post. I currently use the AMEX cobalt as my everyday card and wanted to get a supplementary card to use when AMEX is not accepted. I currently have an All-Inclusive banking plan with TD, which would waive the annual fee for the TD First Class Travel Visa Infinite Card & the TD Aeroplan Visa Infinite Card. Which one would you recommend between the two?

Hey Sylvia.

It sort of depends on your goals. If you got the TD Aeroplan VI card, you could pool the points with your Cobalt since those points can be converted to Aeroplan. The TDFCTVI is good if need to make non-Aeroplan bookings such as car rentals or hotel bookings.

You state the following: “Note that was this card, you only need to charge 75% of your trip costs for your travel insurance to be valid.” However, my review of the wording indicates that under Trip Cancellation, you must charge the full cost of your trip to the card to get coverage. This is under the definition of Covered Trip.

You’re right. the 75% only applies to hotel/motel burglary and trip delay.

Calculating rewards with the new and improved TD First Class Travel makes it a good competitor to the Aeroplan card. I feel like it’s hard to get a good value with Aeroplan (2 cpp). More than often international travel gives around 1.4 cpp making the First Class card more valuable (if booking something via Expedia to get the $100 credit that is. Am I missing something? Would the Aventura or RBC Avion otherwise be better?

Hey Philippe,

I haven’t had too much trouble finding Aeroplan value between 1.8 – 2 CPP. Then again, I booked most of my travel before there was crazy demand.

Aventura and Avion both have a fixed travel program where you can get a higher CPP, but I personally find Aeroplan to be more valuable. I typically try to collect American Express Membership Rewards points and then transfer them to whatever program gives me good value when I need to make a redemption.

Leave a Comment Cancel Reply

Get a FREE copy of Travel Hacking for Lazy People

Subscribe now to get your FREE eBook and learn how to travel in luxury for less

TD First Class Travel Visa Infinite Card Review

By Stefani Balinsky | Published on 20 Jul 2023

Is it me or is TD throwing benefits at you with this card? The TD First Class Travel ® Visa Infinite * credit card has an aggressive offer of up to 135,000 points and an easy earn rate that includes Starbucks. Yes, I invoked the name of that coffee chain and I meant it. Want to know something else? TD First Class Travel ® Visa Infinite * earns TD points that you can redeem on Amazon.ca. So, is this credit card a hot-cup-of-goodness or just lukewarm at best? Let’s find out.

Welcome Offer

• Up to 135,000 bonus TD Rewards Points
• Annual fee rebated for the first year

The TD First Class Travel ® Visa Infinite * Welcome Offer is really good. You can earn up to $1,100 worth of welcome offers in the first year, including 135,000 bonus points, the annual fee rebated and travel benefits. Here’s how:

TD gives you 20,000 points when you make your first purchase on the card in the first 3 months of opening the account. Next, you can earn another 115,000 points if you spend $5,000 on the card within the first 180 days of opening the account. Then, you could earn a birthday bonus of up to 10,000 TD Rewards Points. You also get an annual TD Travel Credit of $100 when you book at Expedia for TD. Finally, you get a free 12 month† Uber One membership worth $120. As always, terms and conditions apply. To get the annual fee rebated for the first year, you must make a purchase on the card within the first 3 months of opening the account.

The annual fee is usually $139 for the primary cardholder, $50 for the first additional cardholder and $0 for subsequent cardholders. You have to have a minimum personal annual income of $60,000 or an annual household income of at least $100,000 to qualify.

TD First Class Travel ® Visa Infinite * interest rates

Actually, these rates are pretty standard. You need to remember that this is a travel perks card and not a low-interest credit card. Nearly all credit card interest rates are in the 19.99% to 23.99% range. Plus, most cards have different interest rates for cash advances. If you live in Quebec, you may be subject to different rates. Of course, the best choice is to pay off your credit card balance each month and to pay back any cash advance even faster.  

The TD First Class Travel ® Visa Infinite* points calculator

Inflation is not your friend, but it can help you make better spending decisions. In that same vein, the TD First Class Travel ® Visa Infinite* has a points calculator to help you decide if your spending and this credit card are good for your situation. 

Let’s set the scene. You are an average Canadian family who might spend $14,000 on groceries this year, or $1,166.66 a month. You might also fill up at least one car once a week. According to StatsCan, the Canadian average fuel price for unleaded gas at a self-service station was $1.616 at the beginning of Summer 2023. If you fill up your car once a week, you spend $419.84 a month on gas for a 60 L fuel tank. How many points would you earn with the TD First Class Travel ® Visa Infinite* ?

With the average spending on gas and groceries alone, you could earn 194,245 points in the first year including the welcome offer. That is $971 in travel dollars. Plus, you only ate and gassed up the car. If you have other expenses on the card, your first-year points total can be higher.

Remember, the spending amounts and points earned are for demonstration purposes only. Actual points accrual depends on your individual shopping habits. Use the TD points calculator to estimate how many points you could earn in the first year. 

Earn points on the little things

• 8 TD points/$1 Expedia for TD bookings
• 6 TD points/$1 on groceries & restaurants
• 4 TD ponts/$1 on recurring bill payments
• 2 TD points/$1 on all other card purchases 

The TD First Class Travel Visa Infinite * lets you earn 2 TD points for every $1 spent. It’s a nice ratio. If you book travel with your card through Expedia for TD , you earn 8 TD points for every dollar spent. Then, you earn 6 TD points per $1 spent on groceries and restaurants and 4 TD points on recurring bill payments on your account. 

If you use your card at Starbucks, you earn 50% more TD points and 50% more Stars at Starbucks. This feature is about lifestyle. Even if you don’t want to travel yet and don’t always get Starbucks, the card lives up to its slogan of ‘Earn points on the little things.’ Plus, your points do not expire so you can save them for all things big and small.

Redeeming your TD points

Thankfully, your TD points are redeemable in really extensive ways. You can use the points to buy gift cards or merchandise off of TD Rewards. They have weekly deals where you can get merchandise for less points. If you want a financial reward, you can use your points to pay off some or all of your TD credit credit card balance. Also, you can use your points to book travel with Expedia for TD.

TD First Class Travel ® Visa Infinite* is your Canadian Amazon credit card

• Redeem TD Points on Amazon.ca with Amazon Shop with Points

You don’t need to get the Amazon credit card, because you can use your TD First Class Travel Visa Infinite* card on Amazon and redeem your TD points for merchandise. That is right, the Amazon points you’ve always wanted are TD points. Of course, there are more details, but you can exchange your points on Amazon for free stuff. 

What is Expedia for TD?

• Earn & redeem TD Points on Expedia for TD
• No blackout dates

Finally! Expedia for TD is a travel booking site that allows travellers to use their TD Rewards points with an Expedia-like experience. It is exclusive to TD credit card holders and the site often has exclusive deals. Plus, it is a great way to spend and earn TD points simultaneously. You earn 8 TD Points/$1 when you book travel through Expedia for TD. There are no blackout dates and you can modify your plans easily.

TD First Class Travel ® Visa Infinite* insurances

If you read Hardbacon credit card reviews, you know that we take a deep look at the insurances you get with your card. The TD First Class Travel ® Visa Infinite * is a travel affinity card, so it should stand out for all-things travel-related. In terms of insurance, it has the requisite ones. Let’s take a look: 

• Travel medical insurance
• Trip cancellation/interruption
• Flight/trip delay
• Delayed or lost baggage
• Common carrier accident 
• Auto Rental Collision/Loss Damage Insurance

And that is on top of their Emergency Travel Assistance Services and a $100 Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.

First, a word about TD’s online travel insurance tool

TD and its online tools are outmaneuvering the competition. This is the first time I’ve found an online tool that shows me my credit card insurance coverage based on the card I use, the number of people I am travelling with, and the duration of the trip. It makes it easier for me to decide if I need extra travel insurance or if I should split my trip costs over different TD credit cards.

Travel emergency medical insurance

TD offers a solid but average emergency medical insurance policy. If I travel with my spouse or dependents, each one of us is eligible for $2,000,000 per trip. Of course, not every procedure is guaranteed a payout. As with every medical insurance plan, it covers eligible procedures and services. You have to check what is accepted before agreeing to the treatment. Your coverage is good for 21 days as long as you or any of the other travellers is under age 65. If you travel with someone over age 65 and they are a spouse, child, or the primary cardholder, they are only covered with TD’s emergency medical insurance for only the first 4 days.

Trip cancellation/interruption insurance and flight/trip delay

That handy online tool shows that you can have up to 5 travellers in your party and that your trip cancellation insurance is a maximum of $5,000. Per person, there is a $1,500 coverage. However, your maximum trip coverage is $5,000. If you are more than 5 people travelling and you are paying with one card, you might want to buy extra cancellation insurance.

Trip interruption insurance is slightly more generous. Each person has a $5,000 interruption policy. Again, the maximum for the trip for all persons combined is $25,000. Yet another instance of checking what is best for you and maybe buying extra travel interruption coverage.

Your flight/trip delay insurance covers up to $500 per insured person if your flight/trip is delayed for over 4 hours.

Delayed or lost baggage insurance

It’s true that not every credit card offers this type of coverage. TD First Class Travel ® Visa Infinite* cardholders have $1,000 in insurance coverage per person if their baggage is delayed more than 6 hours or if it is lost. Again, this is OK coverage.

Common carrier accident insurance

This is a terrible what-if scenario. If you are or one of your dependents is on a common carrier like a bus, train, ferry, rented car, cruise ship, limousine, or plane and it is involved in an accident, you are covered. You are eligible for up to $500,000 of coverage for covered losses. The amount depends on your injuries. 

TD First Class Travel ® Visa Infinite* and auto rentals

If you book your auto rental with your TD First Class Travel ® Visa Infinite* credit card, you are covered for 48 consecutive days. If you are in an accident, the driver must not be legally intoxicated and there must have been no violation of the rental agreement by the primary cardholder.

You also benefit from a great rate through Avis auto rentals. When you use your TD First Class Travel ® Visa Infinite* credit card, you save a minimum of 10% off the lowest available base rates in Canada and the U.S. If you rent a car outside of Canada and the US, the minimum is 5% off the lowest base rate available at participating Avis or Budget locations.

TD First Class Travel ® Visa Infinite* ’s other benefits

Other than everything listed already, having a TD First Class Travel Visa Infinite* credit card means that you can do the following as well:

• Sign up for TD Auto Club membership, where you get 24-hour road assistance
• Purchase security and extended warranty protections
• Instant fraud alerts
• Mobile device insurance up to $1,000
• Hotel/Motel Burglary Insurance up to $2,500
• Access to the TD app
• Click to pay
• Optional balance protection insurance
• The choice to set up structured payment plans

The most interesting thing to me is the click-to-pay feature and instant fraud alerts. It keeps pace with how customers expect banks to use technology to enable easy transactions but also immediate contact if fraud is suspected. Basically, it is a sign of good service.

Who is the TD First Class Travel ® Visa Infinite* credit card good for? 

The base earn rate of the TD First Class Travel Visa Infinite is a decent 2 points per $1 spent, with more aggressive points for grocers, restaurants, travel and recurring bills. The insurance is decent, too. 

OK, but the real advantages kick in if you use the card to book travel. You redeem fewer points for travel if you do it through Expedia for TD, a site exclusive to TD credit card customers. Plus, if you book travel with your TD card, you have access to excellent online tools to calculate how much insurance you have from your card. 

Furthermore, using your card for everyday purchases stretches your dollar on two key sites: Amazon.ca and Starbucks. Hear me out: Amazon is a retail behemoth in Canada, and Starbucks is also a near-daily retail destination. 

Amazon lets you use TD points for Amazon purchases. The same goes for Starbucks, but in reverse. You earn 50% more points when you buy Starbucks with your credit card. 

This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you.

TD First Class Travel ® Visa Infinite* Rating

Benefits and perks of the td first class travel ® visa infinite*.

• Redeem TD points on Amazon.ca
• Earn 50% more TD points when you use your card at Starbucks
• Accelerate points earning for travel with Expedia for TD, food, and recurring bills
• 2 points for every $1 spent on everyday purchases
• Points never expire
• No travel blackout dates
• Welcome Offer up to 135,000 TD Rewards points
• Annual fee for the primary card rebated for the first year
• Decent purchase interest rate and cash advance interest rates
• Comprehensive travel insurances including emergency medical, trip interruption, and trip cancellation
• Fantastic online tools to estimate points calculation as well as travel insurance coverage

For complete and current information about any product, please visit the provider’s website. Terms and conditions apply.

Stefani Balinsky

When you use our links to explore products, we may earn a fee but that in no way affects our editorial independence. Some of these links are from our partners and terms apply.

Advertiser Disclosure

Terms Apply

The information for the TD First Class℠ Visa Signature® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

TD First Class℠ Visa Signature® Credit Card

Credit Needed

Good/Excellent

$89 (waived the first year)

Rewards Rate

3X Miles on travel and dining purchases

Why Trust U.S. News

Your trust is important to us. To earn it, we conduct a rigorous, unbiased analysis with a transparent methodology, and maintain strict editorial standards and independence.

The TD First Class℠ Visa Signature® Credit Card is a travel rewards card. The rewards program offers 3 miles for every dollar in dining and travel purchases, and 1 mile per dollar on all other purchases. The TD First Class℠ Visa Signature® Credit Card charges an annual fee of $89 (waived the first year) . The card offers a 0% introductory APR on balance transfers for the first 12 months after opening an account. After that, the APR for purchases and balance transfers is 17.74% variable.

Best Features

Sign-up bonus: New cardholders receive a 25,000 -mile sign-up bonus when you make $3,000 in purchases within the first six billing cycles after opening an account .

12-month 0% APR introductory period on balance transfers: The TD First Class℠ Visa Signature® Credit Card offers a 12-month 0% APR introductory period on balance transfers (3% balance transfer fee, $5 min). After that, the APR is 17.74% variable.

No foreign transaction fee: The 3% foreign transaction fee that many credit cards charge is waived by the TD First Class℠ Visa Signature® Credit Card.

Annual fee: The TD First Class℠ Visa Signature® Credit Card requires an $89 (waived the first year) annual fee.

Introductory APR period only for balance transfers: The 12-month 0% APR introductory period offered by the TD First Class℠ Visa Signature® Credit Card only applies to balance transfers, not purchases.

• Rates and Fees
• Highlights from Issuer
• Issuer Name TD Bank
• Credit Needed Good/Excellent
• Annual Fee $89 (waived the first year)
• Regular APR 17.74%
• Balance Transfer Fee $5 or 3% of the amount of each transfer, whichever is greater
• Cash Advance Fee $10 or 3% of advance, whichever amount is greater

TD First Class℠ Visa Signature® Credit CardBenefits

The TD First Class℠ Visa Signature® Credit Card provides cardholders with benefits including:

• Visa Zero Liability protection

Maximizing Rewards

Given you get triple miles with TD First Class℠ Visa Signature® Credit Card on dining and travel purchases, maximizing your rewards means charging as much as possible in those categories on the card. Also make sure to charge at least $3,000 in purchases within the first six billing cycles after opening an account to earn your 25,000 -mile sign-up bonus.

Comparisons to Other Cards

TD First Class℠ Visa Signature® Credit Card vs. Bank of America® Travel Rewards credit card

Annual fee: The TD First Class℠ Visa Signature® Credit Card requires an annual fee. The Bank of America® Travel Rewards credit card does not charge an annual fee.

Rewards: The TD First Class℠ Visa Signature® Credit Card offers 3 miles for every dollar in dining and travel purchases, and 1 mile per dollar on all other purchases. With the Bank of America® Travel Rewards credit card, you earn a flat 1.5 points per dollar spent on all purchases.

Sign-up bonus: With the TD First Class℠ Visa Signature® Credit Card, new cardholders earn a 25,000 -mile sign-up bonus by making $3,000 in purchases within the first six billing cycles after opening an account . Bank of America® Travel Rewards credit card offers $250 for new cardholders who make at least online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – that can be a $250 statement credit toward travel purchases .

Benefits: The TD First Class℠ Visa Signature® Credit Card provides cardholders with Visa Zero Liability protection and no foreign transaction fees. Benefits of the Bank of America® Travel Rewards credit card include no foreign transaction fees, web and mobile banking, monthly FICO credit score access for free and overdraft protection if you link your card to your Bank of America checking account.

TD First Class℠ Visa Signature® Credit Card vs. Chase Sapphire Preferred® Card

Annual fee: The TD First Class℠ Visa Signature® Credit Card holders are charged an annual fee. The Chase Sapphire Preferred® Card has a $95 annual fee.

Rewards: The TD First Class℠ Visa Signature® Credit Card gives you 3 miles for every dollar in dining and travel purchases, and 1 mile per dollar spent on all other purchases. The Chase Sapphire Preferred® Card offers 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Chase Travel Hotel Credit.

Sign-up bonus: The TD First Class℠ Visa Signature® Credit Card offers new cardholders a 25,000 -mile sign-up bonus when you $3,000 in purchases within the first six billing cycles after opening an account . The Chase Sapphire Preferred® Card offers 60,000 bonus points after spending after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠ .

Benefits: With the TD First Class℠ Visa Signature® Credit Card, you receive Visa Zero Liability protection and pay no foreign transaction fees. Foreign transaction fees are also waived with Chase Sapphire Preferred® Card, and you receive access to additional consumer benefits including purchase protection, extended warranty coverage and trip cancellation and interruption insurance.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

TD First Class Travel Visa Infinite Card Review for 2024

Last Updated on January 21, 2024

Written by Enoch Omololu

Snappy Rates is reader-supported. This means if you click on some of our links, we may earn a commission. This does not affect the objectivity of our evaluations. Read our disclosure .

If the topic is about the best travel credit cards in Canada , the TD First Class Travel Visa Infinite card won’t be missed.

It’s ideal for travellers who often book their tickets through Expedia and want generous TD Reward Points for their daily purchases. 

This TD First Class Travel Visa Infinite Card review goes over the card’s main benefits and disadvantages, as well as its point redeeming and application processes.

TD First Class Travel Visa Infinite Card – Summary

Td first class travel visa infinite card.

Rewards : Earn up to 9 TD Points for every $1 spent.

Interest rates: 19.99% for purchases, 22.99% for cash advances.

Annual fee: $120

Recommended credit score:

Good to Excellent

On TD’s website

• Earn 9 TD Points for every $1 spent on travel purchases through Expedia for TD.
• Earn 3 TD Points for every $1 spent on all other purchases.
• No limits to how many points you can earn. Points don’t expire as long as your account is open and in good standing.
• Redeem points for travel at ExpediaForTD.com, purchases at Amazon.ca, statement credits, and more.
• Earn 50% more Stars at participating Starbucks.
• Comprehensive travel insurance includes travel medical, trip cancellation/interruption, common carrier travel accident, and delayed and lost baggage insurance.
• Receive a discount on an annual Priority Pass membership.
• Auto rental collision/loss damage insurance, along with purchase security and extended warranty protection, are included.
• Get savings of up to 10% off at Avis and Budget car rental locations.
• A minimum personal income of $60,000 or household income of $150,000 is required to apply.

Earn unlimited TD Points on everyday purchases

Flexible points redemption options

Comprehensive travel insurance

High income requirement

No travel benefits besides insurance

$120 annual fee

The TD First Class Travel Visa Infinite Card is a top choice if you want to earn points that can be flexibly redeemed for travel, cash back, and more. There’s no limit to the number of points that you can earn.

Benefits Of The TD First Class Travel Visa Infinite Card

Below are the top TD First Class Travel Visa Infinite card benefits.

Earn TD Rewards Points

This credit card offers generous TD Reward Points for your travel and everyday purchases.

When booking through Expedia, you can earn 8 TD Rewards Points per dollar you spend.

For other spending categories, use the table below to know how many Rewards Points you can earn.

Note: Each year, only the first $25,000 you spend on recurring bill payments, as well as grocery and restaurant purchases, will earn TD Rewards Points at their original rate. However, there is no limit on the amount of TD Rewards Points you can earn on all other purchases.

Birthday Bonus

On your birthday, your Travel Visa Infinite Account will receive bonus Rewards Points equal to 10% of the total points you’ve accumulated for the past 12 months. The maximum birthday bonus you can get is 10,000 TD Rewards Points.

Travel-Exclusive Benefits And Insurance 

As a travel rewards card, the TD First Class Travel Visa Infinite card offers many travel-exclusive benefits. The most notable ones are listed below.

Receive up to $2 million in medical insurance during the first 3 weeks of travel away from your territory or province of residence. Seniors 65 years old and older only get 4-day coverage.

Receive up to $500 trip/delay insurance per person if the trip or flight you booked through the TD First Class Travel Visa Infinite card is delayed for over 4 hours.

The TD First Class Travel Visa Infinite card car rental insurance gives you insurance coverage for unexpected collisions or loss damage to the cars you rent for a maximum of 48 continuous days.

Visa-Infinite Benefits

As part of Visa Infinite cards, this TD credit card allows you to enjoy various Visa Infinite benefits, including access to exclusive gourmet events, luxury hotel benefits, and Toronto International Film Festival offers.

Top-level Security

TD prioritizes your security. Hence, when using TD Rewards credit cards, you’ll get extensive purchase security, extended warranty protection, and instant fraud alerts on your mobile phone.

You’ll also receive up to $1,000 insurance coverage for your mobile device and up to $2,500 in case of a motel/hotel burglary.

Downsides Of The TD First Class Travel Visa Infinite Card

Despite being one of the best credit cards for travel rewards, the TD First Class Travel Visa Infinite card has several downsides.

High-income requirement: To have this credit card, you must have a personal annual income of at least $60,000 or an annual household income of $100,000 or more.

The TD First Class Travel Visa Infinite card foreign transaction fee: Unlike many other best travel credit cards in Canada, this TD card doesn’t waive your foreign transaction fees.

A $139 annual fee: This credit card isn’t the most budget-friendly with its $130 annual fee.

How To Apply For The TD First Class Travel Visa Infinite Card

Canadian residents over the provincial age of majority can apply for this card as long as they have at least $60,000 annual personal income or at least $100,000 annual household income. Having a valid and working email address is also mandatory.

You may apply for this card online , via phone, or by visiting a local branch.

How To Redeem TD Points

The TD Rewards program allows you to earn Rewards Points whenever you make eligible purchases. You may then redeem your accumulated points in multiple ways, giving you flexibility and options.

Some of the most common ways to redeem TD points are redeeming:

• For gift cards
• At popular retailers like Amazon or Starbucks
• For a cash credit to reduce your TD credit card balance

Travellers also have the choice to redeem their Rewards Points through the Expedia for TD platform, which allows you to seamlessly use your points to pay for a portion or the entirety of your online travel purchases on Expedia.

TD First Class Travel Visa Infinite Card Alternatives

If you’re open to other credit card options, you may want to consider the alternatives below.

Scotiabank Passport Visa Infinite Card

Rewards : Earn up to 3x Scene+ points on groceries, dining, and entertainment.

Welcome offer : Earn up to 40,000 bonus Scene+ points in the first year (up to $400 towards travel).

Interest rates: 20.99% for purchases, 22.99% for cash advances

Annual fee: $150

Very Good to Excellent

On Scotiabank’s website

• Earn 3 Scene+ points for every $1 spent on groceries at participating retailers like Safeway, Sobeys, Foodland, and FreshCo (up to $50,000 annually).
• Earn 2 Scene+ points for every $1 spent on dining, other eligible grocery stores, and daily transit (up to $50,000 annually).
• Earn 1 Scene+ point for every $1 spent on all other purchases.
• Redeem Scene+ points for virtually anything, including travel, merchandise, dining, groceries, statement credits, and more.
• No foreign transac tion fees are charged on purchases outside of Canada.
• 6 complimentary airport lounge passes per year.
• Book and redeem travel through Scene+ Travel.
• Get a complimentary Avis Preferred Plus membership, which includes complimentary upgrades and discounts of up to 25% off.
• Visa Infinite benefits, like a 24/7 concierge service and guaranteed best hotel rates, are included.
• Insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
• Purchase security and extended warranty protection are included.
• A minimum income requirement of $60,000 personal or $100,000 household is required to be eligible.

No foreign transaction fees

6 free airport lounge visits per year

Flexible redemption options for Scene+ points

$50,000 spend cap on the 3x and 2x categories

High income requirement of $60,000 or $100,000

High annual fee

The Scotiabank Passport Visa Infinite Card is your travel companion wrapped up into a credit card. For a $150 annual fee, you don’t pay FX fees, get 6 complimentary airport lounge visits per year, an Avis Preferred Plus membership, various travel insurance benefits, and more on top of earning and redeeming Scene+ points.

Tangerine World Mastercard

Rewards : Earn 2% unlimited cash back in up to 3 spending categories of your choice, plus 0.50% on all other purchases.

Welcome offer : Get 15% cash back on up to $1,000 in the first 2 months ($150 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

Fair to Excellent

On Tangerine’s website

• Earn 2% cash back on up to 3 spending categories of your choice with no limits.
• Earn unlimited 0.5% cash back on all other purchases outside those categories.
• Cash back is earned daily and paid out monthly.
• Promotional balance transfer interest rate of 1.95% for 6 months.
• Stay connected to over 1 million wifi hotspots with Boingo Wi-Fi for Mastercard.
• Receive a complimentary membership to Mastercard Travel Pass provided by DragonPass.
• Access on-demand and subscription services as a Tangerine Cardholder.
• $1,000 mobile device insurance and rental car collision/loss damage insurance are included.
• Purchase assurance and extended warranty benefits are included.
• No annual fee.
• Track and categorize your spending with the Tangerine mobile app.
• To be eligible, you must make a minimum of $60,000 personal or $100,000 household annual income.

Earn 2% cash back in up to 3 categories

No annual fee

Includes Mastercard travel benefits and mobile device insurance

High income requirement needed to qualify

No physical bank branches

No travel insurance included

The Tangerine World Mastercard requires a higher annual income but comes with more travel benefits and insurance coverage than the Money-Back Credit Card. The Mastercard Travel Rewards, Boingo Wi-Fi for Mastercard, and Mastercard Travel Pass make it worth applying for.

Scotiabank Gold American Express Card

Rewards : Earn up to 6x Scene+ points for every $1 spent.

Welcome offer : Earn up to 40,000 bonus Scene+ points in the first year, plus the first year annual fee waived.

Interest rates: 20.99% for purchases, 22.99% for cash advances.

• Earn 6 Scene+ points for every $1 spent at Sobeys, FreshCo, Safeway, Foodland, and other participating grocery stores.
• Earn 5 Scene+ points for every $1 spent on dining, food delivery, other grocery stores, and at Cineplex theatres and Cineplex.com.
• Earn 3 Scene+ points for every $1 spent on daily transit, gas, and select streaming services.
• Earn 1 Scene+ point for every $1 spent on everything else.
• Accelerated earn rates (6, 5, and 3 Scene+ points for every $1 spent) are capped at $50,000 annually.
• Redeem Scene+ points at participating grocery stores, restaurants, entertainment purchases, movie tickets, statement credits, and more.
• Pay no FX fees when travelling abroad.
• Access Amex Invites, Offers, and Front of the Line perks.
• Get a discount on the Priority Pass Membership.
• Access complimentary concierge services 24/7.
• Travel insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
• New mobile device insurance up to $1,000 is included.
• Purchase security and extended warranty benefits are included.
• Each supplementary card costs $29 yearly.
• Minimum credit limit: $5,000.
• The minimum personal income requirement is $12,000 per year.

High earn rate on groceries, dining, and Cineplex purchases

Comprehensive travel insurance included

Earn rates on most categories are capped at $50,000 per year

$120 annual fee + $29 for supplementary cardholders

$12,000 minimum personal income requirement

For a moderate $120 annual fee, the Scotiabank Gold American Express Card offers a high earning potential in categories like dining, groceries, and entertainment. It has a flexible redemption program and comprehensive travel insurance, plus no FX fees.

Marriott Bonvoy American Express Card

Rewards : Earn 5 points per $1 spent at Marriott Bonvoy hotels and 2 points per $1 spent on all other purchases.

Interest rates: 19.99% for purchases, 21.99% for cash advances.

On American Express’s website

• Earn 5x Marriott Bonvoy points on all eligible purchases at Marriott Bonvoy hotels.
• Earn 2x Marriott Bonvoy points on all other purchases.
• Existing Marriott Bonvoy members earn points twice when using this card.
• Redeem points for free hotel stays at over 30 hotel brands with no blackout dates.
• Transfer points to frequent flyer miles at various airlines.
• Receive one free hotel stay per year.
• Enjoy complimentary Marriott Bonvoy Silver Elite status.
• After spending $30,000 or paying for 10 hotel stays per year in combination with 15 Elite Credits, automatically upgrade to Gold Elite status.
• Receive 15 Elite Night Credits each year to attain the next level of Marriott Bonvoy status.
• Refer your friends and get up to 150,000 bonus points each year.
• Travel coverage includes flight delay, baggage delay, hotel burglary, lost or stolen baggage, and $500,000 travel accident insurance.
• Car rental damage and theft insurance are also included.
• Shop confidently with buyer’s assurance and purchase protection plans.
• Access American Express Experiences and Events.
• No minimum income is required to apply.

Earn 5x the points on Marriott Bonvoy hotels with no limits

Complimentary Silver Elite status that can be upgraded

Points can only be redeemed at Marriott Bonvoy hotels

Only 1 free hotel night per year

You must spend $30,000 to upgrade to Gold Elite status

For a $120 annual fee, the Marriott Bonvoy American Express Card comes with many travel perks and insurance benefits. This is the perfect card for those loyal to the Marriott Bonvoy program, as you earn an unlimited 5 points for every $1 spent at participating hotels.

American Express Cobalt Card

Rewards : Earn up to 5x Membership Rewards points on purchases.

Interest rates: 20.99% for purchases, 21.99% for cash advances.

Annual fee: $155.88 ($12.99 paid monthly)

On American Express’ website

• Earn 5x the points on eligible restaurants and food delivery in Canada (up to $30,000 annually).
• Earn 3x the points on streaming subscriptions in Canada.
• Earn 2x the points on travel and transit purchases.
• Earn 1x points on all other purchases.
• Earn 1 additional point on eligible car rental and hotel bookings through Amex Travel Online.
• Membership Rewards points can be redeemed for travel, merchandise, Amazon.ca purchases, gift cards, or statement credits.
• You can optionally transfer your points 1:1 to several frequent flyer and loyalty programs.
• New mobile device insurance is included.
• Receive regular perks with the Cobalt Perks program.
• Get one $100 USD hotel credit to use plus a one-category room upgrade when staying at eligible hotels.
• Out-of-province/country emergency medical, flight delay, baggage delay, hotel burglary, lost or stolen baggage, car rental theft and damage, and $250,000 travel accident insurance are included.
• Stay connected with American Express Front of the Line presales and reserved tickets, as well as American Express Experiences.
• No minimum income requirement.

High rewards rate on food and streaming subscriptions

Redeem your points for almost anything or transfer 1:1

Various travel insurance and shopping coverage included

$12.99 monthly fee

$30,000 annual spend cap on the 5x earn category

American Express isn’t accepted at some retailers

The American Express Cobalt Card offers high earn rates on restaurants, food delivery, and select streaming subscriptions in Canada. Points can be redeemed for almost anything, and it includes comprehensive travel and shopping coverage as well as a $100 USD annual hotel credit.

TD First Class Travel Visa Infinite Card: Conclusion

Overall, the TD First Class Travel Visa Infinite card stands out as a top-tier option not only among TD rewards credit cards but also compared to other banks’ offerings.

Despite the $139 annual fee, this card’s extensive range of benefits, tailored specifically for travellers, make it a worthwhile investment for optimizing travel experiences, safety, and Reward Points.

 TD First Class Travel Visa Infinite Card vs Alternative Cards

• CIBC Select Visa Card Review
• SimplyCash Card from American Express Review
• How to Get Out of Credit Card Debt
• Best Credit Cards to Build Your Credit

Bonuses & Deals for April

Free prepaid card with up to 5% cashback. No credit check & $20 bonus when you deposit $50 and complete first purchase.

Earn average of 5% unlimited cashback. No annual fees and $25 bonus.

Get a $100 cashback bonus in the first 2 months. No annual fee credit card.

No current offers for this category.

Subscribe to our Newsletter!

Subscribe to get the latest personal finance news, offers, and our weekly newsletter. You can unsubscribe at any time.

Enoch Omololu

Enoch Omololu is a personal finance expert. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. Enoch is passionate about helping others win with their finances and has written about money matters for over a decade. He has been featured or quoted in The Globe and Mail, CBC News, Yahoo Finance, GO Banking Rates, Financial Post, Bankrate, Forbes, Toronto Star, CTV News, and other personal finance publications. He founded Savvy New Canadians, one of Canada’s top financial education platforms.

Related posts

National Bank World Elite Mastercard Review 2024

April 8, 2024

The Best Credit Cards For Young Adults in Canada (2024)

21 Practical Ways to Avoid Credit Card Fraud in Canada

September 4, 2023

How to Cancel a Credit Card in Canada in 2024

March 14, 2024

Leave a comment Cancel reply

Save my name, email, and website in this browser for the next time I comment.

Recent posts

Scotia Momentum No-Fee Visa Card Review for 2024

BMO CashBack Mastercard Review

Understanding How Credit Card Churning Works in Canada

© 2024 Snappy Rates. All Rights Reserved.

Credit cards

National Bank mycredit Mastercard Review for 2024

SnappyRates.ca is for informational and educational purposes only. Therefore, under no circumstances should any information from this Website be used as a replacement for professional financial advice. Always consult a licensed financial or tax advisor before making decisions based on the information you read on this blog. Articles on SnappyRates.ca may contain affiliate links. That means if you decide to make a purchase or sign up through these links, we may earn a commission at no cost to you. Please read our Disclosure for more info.

• Best free chequing account offer in Canada!
• Get a $400 welcome bonus *
• Unlimited free transactions and no monthly fees.
• Unlimited free debits & e-Transfers
• Unlimited free transactions & no monthly fees.
• Earn internet on your balance.

• Reasons Why Online Installment Loans Should Be Your First Choice If You Need Cash
• Improve Your Credit: 5 Tips on How to Lower Down Your Credit Utilization
• 5 Purchases You Should Make With A Credit Card
• 5 Tips to Selecting the Best Auto Insurance Policy
• How to prevent rejection of your installment loan
• Why you should avoid Scotia Rewards Points (for now)
• Best Canadian Credit Cards – Travel Hacker Guide
• Easy Places for Canadians to Retire To
• 16 Ridiculously Expensive Places to Visit – and Why They’re Worth It
• You Need to Know These Credit Card Bonuses for 2019

• Best Canadian Credit Cards
• Fixed Value Points & Rewards Credit Cards
• Travel Rewards Credit Cards
• No Annual Fee Credit Cards
• Cash Back Rewards Cards
• Transfering a Balance Cards
• Bad Credit Loans
• Low Interest Cards
• Secured Cards
• Credit Card Reviews
• Travel Basics
• The Aeroplan Program
• The American AAdvantage Program
• The Delta Skymiles Program
• The United MileagePlus Program
• Airport Lounge Programs
• Bellingham Airport
• Buffalo Airport
• Burlington Airport
• Detroit Airport
• Niagara Falls Airport
• Seattle Airport
• Syracuse Airport
• Plattsburgh Airport
• Sign-Up Bonuses
• Card Application Spree
• Earning $1500 in a Spree
• Airport Lounge Credit Cards
• Phone Plans Abroad
• Gas Station Rewards
• Rewards Booking Service
• About Creditwalk

Home → Uncategorized → TD First Class Travel Visa Infinite Card Review

TD First Class Travel Visa Infinite Card Review

Application Link

TD Bank has multiple credit cards in their portfolio. One of them is the TD First Class Travel Visa Infinite.

I think this can be a great card for people who bank with (or are willing to bank with) TD and have an All-Inclusive account, as the fee is waived. For people who don’t / won’t bank with TD will find that other cards will serve them much better. As a no-annual fee card (ie your fee is waived due to banking relationships) this is a very strong card, and likely the best in the market.

The TD First Class Travel Visa Infinite is a fixed value return card and offers 1.2% – 1.5% return on all purchases and 3.6%-4.5% return on purchases made through Expedia for TD. If you are willing to use Expedia for TD for your travel, you will do well with this card. The more money spend on Expedia for TD, the more this card makes sense for you.

There are 2 conditions that would make someone a good candidate for this card:

• You will not pay the annual fee due to banking with TD
• You spend enough on travel that you can use up your earned points
• You already spend (or can spend) a significant amount of money on Expedia (or Expedia for TD)

If you don’t put value on banking with TD and travel is not a major expense for you, then you will likely do better with other cards in the market.

The rewards points of the TD First Class card are TD Rewards.

Earning Rewards

Rewards are earned for making purchases on the card. Earning is at the following rates:

• 9 TD points for travel booked through Expedia for TD online
• 6 TD points for travel booked through Expedia for TD (by phone)
• 3 TD points for all other purchases

Redeeming Rewards

TD Rewards have a relatively confusing redemption value, when compared to some other cards. It seems TD is really pushing you to use Expedia for TD here. They have set the point value in the ½ cent per point range, rather than the 1 cent per point range, which causes some unnecessarily complicated math.

* If you can earn your TD points at Expedia for TD purchases, you can always redeem there as well, so there is no need to redeem at Book Your Way or for cash.

Redeem at Expedia for TD

The best, and only really valuable redemption of TD rewards is at Expedia for TD. You can trade 10,000 TD rewards for $50 towards travel. (1/2 cent per point)

First off, you must request the redemption when you are booking your travel. When you make your booking, the entire price of the trip will be charged to your card (earning you the bonus points on the entire trip). Then a few days later, a statement credit for the value of the points redeemed will show up on your card as a totally separate line item.

I like this for 2 reasons: you earn the bonus travel points (4.5 TD rewards / $) even on the points redeemed, and if you are getting the travel reimbursed or need insurance, the entire amount will show up on your credit card statement.

While this is a “travel redemption”, I really see this as method as being a statement credit that you can release only when you have a valid travel charge. While everyone is different, I like to psychologically separate these 2 events so I “feel” like I got a release of my rewards that had exact value. Others might prefer to think they got their trip paid for by points.

Finally, if you do have any type of travel spend that you are doing through Expedia for TD, then you should ALWAYS redeem your points in this fashion as it will get you the best value.

Redeem a Book Your Way

If you are stuck with TD Rewards and you cant find an Expedia for TD redemption then the next best way to redeem your rewards is through Book Your Way. For a travel booking, you can trade your TD points as follows:

• 250 TD points = $1 credit against the first $1200 of a travel charge (0.4 cent per point)
• 200 TD points = $1 credit against any amount above $1200 of a travel charge (0.5 cent per point)

The point redemption comes as a statement credit for the amount redeemed.

Book your way is the equivalent way that many other credit card programs that I like allow you to redeem your rewards. Programs such as Scotiabank American Express and Capital One Aspire World work in this way.

Redeem for Cash

Redeeming for cash is a bad proposition. You can redeem 10,000 points for a $25 statement credit, yielding a mere 0.25 cent per point.

The minimum redemption is $25 then it works out to 400 points for any additional $1 that you want to redeem.

Since the other methods stated above also redeem rewards in the form of a statement credit, you should really try to get an Expedia for TD travel charge onto this card as that would double the value of your rewards and you can still see that redemption as a “cash” reward.

Annual Fees

The annual fee on this card is $120, with an authorized user fee of $50. This is higher than most other cards I would line it up against. I also don’t think anyone should be paying this annual fee.

This fee can be waived if you have an all-inclusive banking package with TD. In my opinion, TD has one of the best retail banking presence in Canada and there are many people who bank with TD anyways. To them, this card should be seen as a no-annual-fee card.

As a fee-free card, this is a great card.

If you do not already bank with TD, an all-inclusive banking package requires a $5000 minimum balance to be kept and there are other perks as well. I think that anyone considering getting this card should really set up an all-inclusive banking package with TD to get the fee waived. Assuming you want to get this card and you have to tie up $5000, the $120 annual fee represents a 2.4% tax free, no risk return on your investment. I think that is pretty good in the current interest rate environment.

Sign Up Bonus

The Sign-Up Bonus is currently worth about $200 – $260 broken down as follows:

• 20,000 TD Points after first purchase ($100 toward Expedia for TD)
• 20,000 TD Points after 90 days ($100 toward Expedia for TD)
• 50% annual fee in the first year

Personally, I value this as a $200 sign up bonus, since, as I mentioned before, I think that you should get a fee waiver by banking with TD if you are going to get this card. In my opinion, a 50% fee waiver has no value, though if you are on the fence, it might be helpful to get the card into your hand before you set up your TD bank accounts.

Note that this sign-up bonus is available through referral links on this page. The public signup bonus is worth less than this.

Card Comparison

The main features of this card are:

• Ability to waive annual fee / no annual fee
• Bonus paid for travel purchases
• Premium level benefits

BMO World Elite

I think this card most naturally lines up against the BMO World Elite card. The BMO World Elite card gives a 2% return towards travel booked through BMO travel. BMO also recently started giving a fee waiver for a credit card for having a banking package with them. This BMO World Elite card does not give any bonuses for any types of purchases, however.

In comparison, I think that TD has a better retail banking presence than BMO, so there are people who will already be TD customers who will not want to switch. Those who are relatively bank agnostic can set up a BMO account and get the BMO World Elite fee waived and get 2% towards travel on all purchases. The sacrifice is the bonus return that travel gets with the TD card. Though, I think that the average non-TD customer will do better with the BMO World Elite card.

BMO World Elite card review

PC Financial World Elite Mastercard

The PC Financial World Elite card is a premium level card that carries no annual fee and gives 1% return towards purchases as a base and gives bonuses for PC grocery, ESSO gas, Shoppers Drug Mart and PC Travel.

When lined up, the PC card offers a larger return on many bonus categories and returns rewards in an easier form (credits towards groceries) than the TD. The 3% return the PC card gets at PC travel rivals TD’s bonus on travel with Expedia for TD. The TD card also is stronger in the “everywhere else” spend.

For someone who shops at PC grocery stores, the PC card should already be in your wallet. The TD card can be a nice compliment to that for people who bank at TD anyways but not something I would get outright as a replacement. For people who don’t shop at PC stores, the TD card is much stronger.

PC Financial World Elite card review

American Express Gold Card

The American Express Gold card has a hefty $150 annual fee that cant be waived. It offers Membership Rewards at a rate of 1 per dollar spent on everything and double on gas, grocery, drug stores and travel.

The comparison gets muddy since Membership Rewards are really valuable for transferring over to Aeroplan, British Airways Avios and other frequent flyer programs. People who don’t know how to get good value out of frequent flyer programs will not do well using this card.

The TD card does not have any frequent flyer program affiliation and is a pure fixed value return card. I think this comes down to a straight personal preference. I think the average person will do much better with the TD First Class card, though.

American Express Gold card review

MBNA Smart Cash

The MBNA Smart Cash is, in my opinion, the strongest cash back card. For people who value straight cash instead of having to deal with the redemptions through travel etc. the MBNA Smart Cash card is a stronger card than the TD.

The MBNA Smart Cash card gets 1% cash back on all purchases and 2% cash back on gas and grocery purchases. Rewards are sent automatically when $50 in rewards are earned.

For those who might redeem their TD rewards for cash, they would only receive 0.75% return, so the MBNA Smart Cash would be stronger on all counts.

For people who value simplicity, the MBNA Smart Cash card is a stronger card than the TD card.

MBNA Smart Cash card review 

The insurances offered on the TD First Class card are relatively standard for this level of card. There is nothing that I noted as specifically better or worse than average on this front.

• Travel Medical Insurance
• Trip Cancellation/Trip Interruption Insurance
• Common Carrier Travel Accident Insurance
• Emergency Travel Assistance Services
• Delayed and Lost Baggage Insurance
• Priority Pass Membership discount
• Auto Rental Collision/ Loss Damage Insurance
• Avis Rent-A-Car and Budget Rent-A-Car preferred rates
• Optional TD Auto Club Membership

Conclusions

The TD First Class card is a great offering by TD.

For people who bank with TD, they will get the annual fee wiaved on this card and can see this as a no annual fee card. For a fee free card, this is at the top. Those who purchase travel from Expedia for TD more will get better value from this card. And you really do need to have some travel purchased through Expedia for TD (at least for redeeming rewards) to get any value from this card.

For people who don’t (or wont) bank with TD and who don’t travel very much, this is not a good card.

• Great as a no-fee card
• Good bonus for purchases made from Expedia for TD
• Decent earning (1.5%) on base earning
• Redeeming for good value is really limited to Expedia for TD
• Average to sub-par card if paying the $120 annual fee

Related posts:

One comment on “TD First Class Travel Visa Infinite Card Review”

I had the TD Infinite Travel Card for Expedia for a year and a half before I cancelled it after discovering there is a serious gimmick that greatly reduces the value of the card to users. The prices on the Expedia for TD site, where one has to use to gain the full advertised benefit, are in fact often higher, sometimes much higher, than the same product (ie. hotel) on the regular Expedia site. This untransparent price differential , together with an 2015 announcement by TD that points for regular non-Expedia booked travel were being depreciated, quickly sent us looking for another, non TD card. And we do bank at TD and did not have to pay the fee, but since we were actually being charged a premium Expedia for TD, the value just wasn’t there.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Don't subscribe All Replies to my comments Notify me of followup comments via e-mail. You can also <a href='https://www.creditwalk.ca/comment-subscriptions/?srp=4619&srk=2648578ecea05c83754707575dc5a494&sra=s&srsrc=f'>subscribe</a> without commenting.

• Privacy Policy

• How to Choose the Right Credit Card
• How to Apply for a Credit Card
• How to Cancel a Credit Card
• Ways To Pay Off Credit Card Debt
• Why Your Credit Card Was Declined
• How to Get Out of Credit Card Debt
• What to Know About Credit Card Minimum Payments
• What Is a Credit Card and Should You Get One?
• How Do Credit Cards Work in Canada?
• What Are the Different Types of Credit Cards?
• How an International Credit Card Works
• Common Credit Card Terms and Conditions
• Credit Card Fees and Charges
• Credit Card Interest Calculator
• First-Time Home Buyer Incentive
• Tax-Free First Home Savings Account
• Home Equity Loan
• How a Reverse Mortgage Works
• Home Equity Line of Credit
• Mortgage Renewal
• Getting a Second Mortgage
• How to Refinance a Mortgage
• How Does Mortgage Interest Work?
• Realtors vs Real Estate Agents vs Brokers
• Is Canada’s Housing Market Crashing?
• Types of Houses in Canada
• First-Time Home Buyer Grants and Assistance Programs
• Types of Mortgages in Canada: Which Is Right for You?
• How Does a Mortgage Work in Canada?

• What Is an Interest Rate?
• Guaranteed Investment Certificate (GIC)
• Savings Account Guide
• Common Canadian Bank Fees and Charges
• Types of Bank Accounts in Canada
• EQ Bank Review
• Simplii Financial Review
• Tangerine Bank Review
• National Bank of Canada Review
• CIBC Review
• Scotiabank Review
• TD Bank Review
• What Is Canadian Investor Protection Fund (CIPF) Coverage?
• How Capital Gains Tax Works
• Investing for Canadian Beginners
• Understanding Asset Classes in Investing
• Understanding Fixed-Income Investments
• How to Invest in Stocks
• What Are T-Bills
• What is a Bond
• What is Registered Disability Savings Plan (RDSP)
• What Are Mutual Funds
• What is an ETF (Exchange Traded Fund)
• What Is Forex Trading
• What Is Cryptocurrency and How Does It Work
• What Is a Stock
• What is Old Age Security and How Does It Work
• What is Registered Retirement Income Funds (RRIFs)
• How a Life Income Fund (LIF) Works for Retirement
• What Is An In-Trust Account
• What Is a Locked-in Retirement Account (LIRA)
• How Much Money You’ll Need To Retire
• Defined Benefit vs. Defined Contribution Pension Plans
• Can Annuities Fund Your Retirement?
• What Is a Personal Loan?
• Personal Loan Insurance: Do You Need It?
• What Is a Secured Personal Loan?
• What Is a Payday Loan?
• What Is a Pawn Loan?
• What Is a Car Title Loan?
• Small Business Loan vs Personal Loan
• Personal Loan vs. Line of Credit
• Personal Line of Credit vs Home Equity Loan:
• Personal Line of Credit vs Car Loan
• HELOC vs Personal Loan
• Debt Consolidation vs Personal Loan
• Cash Advance vs Personal Loan
• Business Loan vs Personal Loan
• Price Matching Tips to Help You Save Big
• How to save for Wedding
• How to Save Money on Groceries
• Ways to Save on Your Next Family Vacation
• Tips to Help You Save On Gas
• How to Save Money in 8 Easy Steps
• Passive Income: What It Is and How to Make It
• Budgeting 101: How to Budget Your Money
• Ways to Make Money Online and Offline in Canada
• How Do Credit Inquiries Work?
• What is the Ideal Credit Utilization Ratio?
• What Credit Score is Needed for a Credit Card?
• How to Get a Better Credit Score
• What is a Good Credit Score in Canada?
• Credit Cards

TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

13 Best Aeroplan Credit Cards in Canada for 2024

The best Aeroplan credit cards in Canada earn points for Air Canada’s loyalty program on every purchase. Aeroplan points have an average value of 2.23 cents per point.

Aeroplan vs. Air Miles: Differences and Alternatives

Aeroplan is usually an ideal choice for those who want to use points for Air Canada flights, while Air Miles is a better choice for those who want flexible point redemption options.

19 Best Travel Credit Cards in Canada for April 2024

Explore the best travel credit cards in Canada for daily spending, flexible travel rewards, big welcome bonuses and more.

Best TD Bank Credit Cards in Canada

The best TD Bank credit cards in Canada include several Visa Infinite options as well as co-branded travel credit cards that earn Aeroplan points.

GOBankingRates works with many financial advertisers to showcase their products and services to our audiences. These brands compensate us to advertise their products in ads across our site. This compensation may impact how and where products appear on this site. We are not a comparison-tool and these offers do not represent all available deposit, investment, loan or credit products.

TD First Class Visa Signature Credit Card Review 2022

Commitment to Our Readers

GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology .

20 Years Helping You Live Richer

Reviewed by Experts

Trusted by Millions of Readers

GOBankingRates Score

• Cardholders earn 3x miles on travel with no requirement to purchase through TD.
• The APR is highly competitive.
• Visa Signature rewards provide travel perks for cardholders.
• New cardholders can earn bonus miles by meeting minimum spend requirements.
• Balance transfers have an introductory APR for 12 billing cycles after account opening.
• Rewards categories are limited.
• There's no introductory APR for purchases.

TD First Class Visa Signature Credit Card Overview

The TD First Class Visa Signature Credit Card is geared toward consumers who charge their travel and dining purchases but rely mostly on cash or debit for the bulk of their everyday purchases. You earn 3x First Class miles on travel and dining and 1x miles on all other purchases made with the card. If you spend $3,000 in the first six billing cycles after receiving the card, you’ll earn 25,000 bonus miles worth $250 toward travel and dining purchases.

Like most travel rewards cards , the TD First Class card has an annual fee — $95, waived for the first year. However, it also has an introductory 0% annual percentage rate for 12 months on balance transfers and a comparatively low standard APR of 15.49% variable, so you can save on interest by transferring higher-interest balances.

Key Features

Overall, the TD First Class Visa Signature Credit Card earns 4.3 out of 5 stars based on a number of card features. The card scores highest on the following:

The APR tells you how much it’ll cost to carry a balance on a particular card, and a recent GOBankingRates survey found it’s one the most important things people consider when it comes to picking a new card.

The TD First Class Visa Signature Credit Card currently has a highly competitive 15.49% variable APR. Although there’s no promotional APR for purchases, the card does offer one for balance transfers — 0% for the first 12 billing cycles after account opening. That means you can transfer balances from high-APR cards to lower your payments, save on interest and pay the debt down faster.

Foreign Transaction Fees

Foreign transaction fees can add a significant amount — around 3%, typically — to the cost of goods and services you purchase when you’re traveling outside of the U.S. In fact, they can completely cancel out any mile rewards you earn on those purchases. The TD First Class card doesn’t charge foreign transaction fees , so you pay the actual cost of your purchases and reap the full benefit of your rewards.

Caps on Rewards

Rewards are one of the most common reasons people use credit cards , as the GOBankingRates survey found, but caps limit the number of miles or points you can earn.

For example, a card might start cardholders out with a high reward for purchases in a certain category , but only on the first $1,500 in purchases made in that category each year. After that, and until the new year starts, purchases in that category earn just one point per dollar spent. Averaged out over the course of a year, rewards caps can significantly reduce the average value of the points or miles you’ve earned.

The TD First Class Visa Signature Credit Card has no caps on rewards. You get unlimited 4x miles on travel and dining purchases and 1x mile on all other eligible purchases. What’s more, the miles don’t expire.

Accessibility

TD Bank has a range of accessibility services to ensure customers have equal opportunity to use the products and services offered by the bank. Here are some of the accommodations TD has in place to ensure access:

• Retrofitted branches
• Accessible doors, vestibules and restrooms
• Wheelchair-accessible ATMs , vaults and service areas
• Reserved parking, where possible
• Tablets with real-time video remote interpretation for American Sign Language during business hours
• Wheelchair-accessible ATMs with audio capabilities as well as Braille and large print
• Alternate document formats such as Braille, large print, e-text, accessible PDF and audio CDs
• Braille and large-print marketing materials
• Web accessibility tool for the visually impaired and non-native English speakers
• Relay-call compatibility, including video relay from Canada VRS

For accessibility requests and feedback, contact TD via teletypewriter at 800-361-1180 or by phone at 800-831-1158.

How the TD First Class Visa Signature Credit Card Stands Out

The TD First Class Visa Signature Credit Card stands out for being a straightforward travel rewards card with a basic set of rewards you don’t have to jump through hoops to earn. The 15.49% variable APR is especially noteworthy. Cardholders who carry a balance from month to month stand to save more with a low APR than with more or larger rewards.

Comparable Travel Rewards Card Options

Travel rewards cards are everywhere these days, so it’s a good idea to compare a few cards before you choose one. Here are two you might consider along with the TD First Class Visa Signature Credit Card.

Barclays JetBlue Plus Mastercard

The Barclays JetBlue Plus Mastercard earns 6x points on JetBlue purchases, 2x points at restaurants and 2x points at grocery stores. Cardholders also receive 50,000 bonus points — a $500 value — after spending $1,000 in purchases and paying the annual fee within the first 90 days.

Other benefits include 5,000 bonus points each anniversary, 50% in-flight savings and an annual $100 statement credit after the purchase of a JetBlue Vacations package of $1,000 or more. Also, fliers’ first checked bag is free. The card has a $99 annual fee and APRs ranging from 18.24% to 27.24% variable.

U.S. Bank Altitude Connect Visa Signature Card

The U.S. Bank Altitude Connect Visa Signature Card has a high APR of 18.24% to 26.24% variable and a $95 annual fee beginning in the second year.

But its rewards program is strong, offering 5x points on prepaid hotels and car rentals booked in the Altitude Rewards Center, 4x points on other travel, gas and EV charging, 2x points at grocery stores and on grocery delivery, dining and streaming services, and 1x point on all other purchases. New cardmembers earn 50,000 bonus points — worth $500 — by spending $2,000 in the first 120 days.

How To Apply

You can apply for the TD First Class Visa Signature Credit Card from the card’s main page on the TD Bank website.

If you’re already a TD Bank customer, log in to your account for a quicker application process. Otherwise, fill in your personal information on the application form. In addition to your name, address and primary phone number, you’ll need your:

• Email address
• Social Security number
• Monthly rent or mortgage
• Gross annual income
• Source of income
• Employment status

Once you’ve entered that information, click the Next button to continue the application.

To apply for a card by phone, call TD Bank at 888-561-0608.

Who the TD First Class Visa Signature Credit Card Is Best For

The TD First Class Visa Signature Credit Card is best for those who usually only charge dining and travel purchases — with no other categories earning more than one mile per dollar spent, there’s not much incentive to use the card more routinely unless you carry a balance . If you do, the competitive APR could save you much more in interest than you stand to gain from the higher rewards offered by other cards.

For more casual credit card users who carry a card for travel and dining but avoid charging everyday expenses , the TD First Class Visa Signature Credit Card is worth serious consideration. It earns unlimited miles that never expire, has a low interest rate compared to other travel cards and offers a good selection of travel perks from Visa.

• Although TD Bank doesn't disclose a minimum credit score, it does note that to be eligible for a credit card, you must meet certain income, residency, age, credit quality and other requirements. That said, the $5,000-minimum credit limit on Visa Signature cards – and the single published APR vs. the range of APRs most credit card issuers publish – suggest you'll need excellent credit to be approved for the First Class Visa Signature card.
• The TD First Class Visa Signature Credit Card offers a number of travel benefits, but it does not offer lounge access .
• The First Class Visa Signature card covers up to $3,000 in lost luggage reimbursement. Cardmembers also receive travel and emergency assistance services and pay-per-use roadside assistance.
• Credit limits vary by card and the cardholder's creditworthiness. The TD First Class Visa Signature Credit Card has a credit limit of at least $5,000 .

Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Oct. 10, 2022.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Share This Article:

Related Content

Jenius Bank Review: High-Yield Savings and No Fees

April 16, 2024

Cash App Savings Review: Up To 4.50% APY and No Fees

March 26, 2024

Copilot App Review: AI-Powered Money Management To Help You Budget Better

March 07, 2024

Unbiased Review: Find the Right Financial Advisor for You

January 29, 2024

Gainbridge FastBreak Review: How To Get Higher Rates Outside of a Bank

January 18, 2024

Milli Bank Review: A Mobile-Only Bank With a Generous APY

Axos Bank Review: Competitive Rates on Checking and Savings Accounts

March 05, 2024

Discover Bank Review: A Great Online Bank for Your Checking, Money Market and CD Needs

Charles Schwab Bank Review: Great Checking and Fee-Free Accounts

January 17, 2024

American Express National Bank Review: Checking, Savings and CDs Worth Considering

Chase Bank Review: Checking and Savings From a Name You Trust

April 21, 2024

TD Bank Review: Full-Service and Convenient Banking in the Northeast

Wealthfront Review: Automated Saving for Every Risk Tolerance

Wells Fargo Bank Review: Large Network of Branches and Premium Checking

Arvest Bank Review: Committed to the Community

SouthState Bank, National Association Review: A Regional Bank With a Wide Range of Products

March 11, 2024

Sign Up For Our Free Newsletter!

Get advice on achieving your financial goals and stay up to date on the day's top financial stories.

By clicking the 'Subscribe Now' button, you agree to our Terms of Use and Privacy Policy . You can click on the 'unsubscribe' link in the email at anytime.

Thank you for signing up!

BEFORE YOU GO

See today's best banking offers.

Sending you timely financial stories that you can bank on.

Sign up for our daily newsletter for the latest financial news and trending topics.

For our full Privacy Policy, click here .

TD First Class Travel ® Visa Infinite* Card   🇨🇦

• 2X points on all purchases
• Premium Insurance
• Visa Infinite Benefits

Earn up to $800 in value † , including up to 100,000 TD Rewards Points , no Annual Fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card †
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points †
• Get an annual TD Travel Credit † of $100 when you book at Expedia® For TD.
• Get an annual fee rebate for the first year †

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

• Earn 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD †
• Earn 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
• Earn 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
• Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

• An extensive suite of travel insurance coverages which helps you travel prepared
• No travel blackouts † , no seat restrictions † and no expiry † for your TD Rewards Points as long as your account is open and in good standing.

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .

Card Awards

Fees & conditions.

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 100,000 TD Points † and a first year annual fee rebate :

• Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card †
• A Birthday Bonus of up to 10,000 TD Rewards Points †
• Get an Annual Fee Rebate for the first year † .

With the TD First Class Travel® Visa Infinite* Card, you get:

• 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD
• 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
• 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
• 2 TD Rewards Points † For every $1 you spend on other Purchases

This TD credit card is one of the best TD travel rewards cards.

• TD Best Credit Cards - April 2024
• Best Travel Credit Cards - April 2024
• Best Visa Credit Cards - April 2024
• Canada's Best Credit Card Offers - April 2024
• Expedia For TD: How To Redeem TD Rewards Points?

Alternative Cards

• Great Welcome Offer
• Air Canada Benefits
• NEXUS Credit
• Card Details

Earn up to $1,200 in value † , including up to 50,000 Aeroplan points † (enough for a round trip to New York City † ) and additional travel benefits. Account must be approved by June 3, 2024.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card †
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening †
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening †
• Enroll for NEXUS and once every 48 months get an application fee rebate †
• Plus, share free first checked bags with up to 8 travel companions †
• Earn 1.5 points † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations ® ) made with your card
• Earn 1 point † for every $1 spent on all other Purchases made with your Card
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD ® Aeroplan ® Visa Infinite* Cardholder in good standing.
• Earn big rewards on the little things : Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks ® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks ® Rewards account. Conditions apply.
• Earn Aeroplan Points on your everyday purchases
• Redeem your points for travel and more.
• Take advantage of an extensive suite of travel insurance † .
• Travel lightly through the airport and save on baggage fees † : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge † : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection † : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

† Terms and conditions apply.

• Primary card $139
• Additional card $75
• Individual $60,000
• Household $100,000
• Purchase Rates 20.99 % 20.99 % (QC)
• Cash Advance Rates 22.99 % 20.99 % (QC)
• Balance Transfer Rates 22.99 % 20.99 % (QC)
• The Best Aeroplan Credit Cards in Canada - April 2024
• Groceries 1.5 Aeroplan Points
• Gas 1.5 Aeroplan Points
• Air Canada 1.5 Aeroplan Points
• Year 1 $1,425
• Year 2+ $425
• Annual Credit
• VIP Lounges
• Travel credit
• 4.5X points on grocery and restaurants purchases†
• Purchase Insurance

Earn up to $370 in value † , including up to 50,000 TD Rewards Points † and no Annual Fee for the first year † . Conditions apply. Account must be approved by September 3, 2024.

• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card † .
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening † .

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.

• Earn 6 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD † .
• Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
• Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account † .
• Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card † .
• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks ® and more.
• Booking your travel through Expedia ® For TD † to maximize the TD Rewards Points you can earn on your travel purchases.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

†Terms and conditions apply.

• Primary card $89
• Additional card $35
• Individual $0
• Household $0
• Groceries 4.5 TD Rewards Points
• Dining and Food delivery 4.5 TD Rewards Points
• Recurring Payments 3 TD Rewards Points
• Year 1 $647
• Year 2+ $219
• 3% cash back on groceries and gas

Earn up to $500 in value † , including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 † . Conditions apply. Account must be approved by June 3, 2024.

• Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made † .

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by June 4, 2024.

• Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases † , and on regularly recurring bill payments † set up on your account
• Earn 1% Cash Back Dollars on all other Purchases made with your Card †
• Earn Cash Back Dollars on every eligible purchase.
• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours! †
• Your Cash Back Dollars never expire as long as your account is open and in good standing
• Emergency Road Services with Deluxe TD Auto Club Membership
• Complimentary Visa Infinite * Concierge service † available 24/7
• Mobile Device Insurance †
• Additional card $50
• Best Cash Back Credit Cards in Canada - April 2024
• Groceries 3 %
• Recurring Payments 3 %
• Year 1 $969
• Year 2+ $341

Trending Stories

15 Legit Ways to Make Extra Cash

6 Smart Strategies to Save Money on Car Insurance

Td first class℠ visa signature ® credit card review [2024]: easy rewards for travel.

This article was subjected to a comprehensive fact-checking process. Our professional fact-checkers verify article information against primary sources, reputable publishers, and experts in the field.

We receive compensation from the products and services mentioned in this story, but the opinions are the author's own. Compensation may impact where offers appear. We have not included all available products or offers. Learn more about how we make money and our editorial policies .

The TD First Class℠ Visa Signature ® Credit Card comes with high rewards earning potential for travel and dining purchases, along with a number of travel perks. These credit card benefits make it a good travel rewards credit card for frequent travelers.

But with all its earning potential, the TD First Class℠ Visa Signature ® Credit Card might not be perfect for everyone, as there are limits on how you can redeem your TD miles. Savvy travelers may find that other travel rewards cards provide a better overall rewards program.

Keep reading this TD First Class℠ Visa Signature ® Credit Card review to get a closer look at this card and whether it's worth adding to your wallet.

For People Who Travel and Eat Out Frequently

Td first class℠ visa signature ® credit card.

FinanceBuzz writers and editors score cards based on a number of objective features as well as our expert editorial assessment. Our partners do not influence how we rate products.

Current Offer

Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles

$89 (waived first year)

Rewards Rate

• Earn 3X First Class Miles on travel and dining purchases, and 1X on all other purchases
• 3X miles on travel and dining purchases
• 0% intro APR on balance transfers for first 12 billing cycles, then 18.49% (variable)
• No foreign transaction fee
• Has annual fee after first year
• No ability to redeem points online
• No transfer partners
• Intro balance transfer 0% APR offer: 0% for 12 billing cycles then 18.49% (variable)

Key takeaways

Who should get the td first class℠ visa signature ® credit card, card basics, why we like the td first class℠ visa signature ® credit card: benefits and perks, what we don't like about the td first class℠ visa signature ® credit card: drawbacks, earning & redeeming td rewards, td first class℠ visa signature ® credit card faq, other cards to consider, td first class℠ visa signature ® credit card: bottom line.

• The TD First Class℠ Visa Signature ® Credit Card offers attractive rewards for travelers and diners. As a cardholder, you can earn 3X miles on travel and dining purchases, making it a great choice for those who frequently travel or eat out.
• New cardholders can earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles
• The TD First Class℠ Visa Signature ® Credit Card offers 0% for 12 billing cycles on balance transfers, then 18.49% (variable), which can be useful for those looking to pay off credit card debt while saving money on interest charges.
• The TD First Class℠ Visa Signature ® Credit Card charges None foreign transaction fees but comes with an annual fee of $89 (waived first year).
• To apply, you need to be a resident of Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.
• There are some limitations on how rewards can be redeemed. Cardholders need to call the TD Rewards Center for statement credits for travel or dining purchases. Additionally, only redemptions of 25,000 miles or more will receive 100% of the value for travel or dining purchases, while smaller redemptions receive only 50% of the value.

The TD First Class℠ Visa Signature ® Credit Card is best for frequent travelers and those who regularly dine out. If this sounds like you, you would find that this travel rewards credit card could help you earn valuable rewards that fit your lifestyle.

The TD First Class℠ Visa Signature ® Credit Card also has an intro APR of 0% for 12 billing cycles on balance transfers (then 18.49% (variable)). If you want to use a balance transfer to pay off credit card debt, then you could transfer it to this card and have a good amount of time to pay that debt down without paying any interest.

The TD First Class℠ Visa Signature ® Credit Card isn’t the best choice if you rarely travel or don’t go out much. Keep in mind that it comes with an annual fee of $89 (waived first year). If you don’t think you’ll make enough use of it to justify the annual fee, you might prefer one of the best travel credit cards with no annual fee .

• Easy welcome offer : Cardmembers earn Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles.
• Intro APR: Use a balance transfer to refinance your existing credit card debt and enjoy 12 billing cycles of introductory 0% APR on balance transfers (then 18.49% (variable) APR). A balance transfer fee of $5 or 3%, whichever is greater will apply.
• No foreign transaction fees : Make purchases anywhere in the world without worrying about extra fees as the TD First Class℠ Visa Signature ® Credit Card charges None foreign transaction fees.
• Rental car coverage : When you rent a car using your TD First Class℠ Visa Signature ® Credit Card, you’re protected with auto rental coverage so you can choose to opt out of the insurance that the rental company offers.
• Annual fee: The TD First Class℠ Visa Signature ® Credit Card has an annual fee of $89 (waived first year). If you don’t dine out or travel a lot of, having to pay the annual fee could cancel out most of your rewards earnings.
• Statement credit redemptions: You have to call the TD Rewards Center if you want statement credits for travel or dining purchases made on the card. Also, only redemptions of 25,000 miles or more will receive 100% of the value for travel or dining purchases. Redemptions under the 25,000 minimum will receive only 50% value. So if you had 20,000 miles, you would receive a $100 statement credit.
• No travel partners: TD miles don’t transfer to other rewards programs, such as airline or hotel loyalty programs. This makes the TD rewards program less flexible and potentially less valuable than programs like Chase Ultimate Rewards or American Express Membership Rewards .
• Not available nationwide: You need to have a legal address within the TD Bank footprint to apply for a TD Bank credit card. The TD Bank footprint includes Connecticut, the District of Columbia, Delaware, Florida, Maine, Maryland, Massachusetts, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, and Vermont.

Potential earnings in years one and two

Here's a look at how your points can add up with the TD First Class℠ Visa Signature ® Credit Card. To calculate these values, we used a point valuation of $0.01 (or 1 cent per point). This is the standard redemption value stated by TD Bank for cash back, travel, or gift cards.

Remember, this is an estimation. The actual value will be determined by how much you spend and in which categories you spend.

Year one earnings: $885

Year two earnings: $546

These values are based on the FinanceBuzz Credit Card Rewards Valuation Model , which takes a look at points earned via spending and the sign-up bonus while also accounting for the annual fee.

Best ways to earn

Your best bet for building up TD miles is through travel and dining purchases, which both earn you 3X miles per dollar spent. You earn only 1X miles per dollar on all other purchases. According to TD Bank, travel spending includes airline tickets, hotel accommodations, car rentals, tolls, travel agencies, and cruises.

You’ll also want to take advantage of this card’s promotional welcome offer. You can earn Earn 25,000 bonus miles for spending $3,000 within the first 6 billing cycles after account opening.

Maximizing your redemptions

The ways you can redeem the rewards you earn with the TD First Class℠ Visa Signature ® Credit Card include statement credits, gift cards, and merchandise. TD miles are worth 1 cent each when redeemed for statement credits and gift cards but may have a lower value when redeemed for merchandise.

If you would like to redeem your rewards for travel or dining purchases, just use your card for those expenses, then call the TD Rewards Center at 1-877-468-3178 within 180 days of the charge. A representative will verify the charges and issue you a statement credit on your next monthly billing statement. Unfortunately, there are no online or automatic options for redeeming your rewards.

Another downside with TD miles is that you may not always receive full value if you need to cash out your rewards. Only redemptions of 25,000 miles or more receive full value. If you, for example, tried to redeem 10,000 miles, you would only receive a $50 statement credit, 50% of the value.

How do I check my TD First Class℠ Visa Signature ® Credit Card points?

Your monthly credit card billing statement will contain a recap of your TD miles. There is no online rewards portal for the TD First Class℠ Visa Signature ® Credit Card.

How much are my TD Rewards worth?

TD miles are worth 1 cent each when redeemed for statement credits or gift cards. Miles may be worth less when redeemed for merchandise.

Can you redeem TD Rewards points for cash?

No, TD miles can’t be redeemed for cash, such as a deposit to your bank account or as a check you receive by mail. TD miles can only be redeemed for statement credits, gift cards, and merchandise.

How often does TD Bank increase your credit limit?

TD Bank may increase your credit limit from time to time at their discretion. You can also request a credit limit increase by calling TD Bank customer service at (877) 468-3178 or you can submit a request by mail to P.O. Box 84037, Columbus, Georgia, 31908-4037. In general, your credit limit and any potential increases are determined based on your creditworthiness and varies from individual to individual.

How fast can I get a TD credit card?

Customers can apply for a TD credit card online. Once approved, your TD credit card should arrive within seven to 10 business days.

If you’re looking for a more versatile travel rewards credit card, the Capital One Venture Rewards Credit Card is a great card to consider. You can earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening. These miles can be transferred to 15 different Capital One transfer partners , including airlines and hotels. Frequent travelers will also like that this card has no foreign transaction fees, and you can get up to a $100 statement credit toward Global Entry or TSA PreCheck.

One of the most popular travel rewards credit cards available is the Chase Sapphire Preferred ® Card . It helps you earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 60,000 points are worth $750 in travel when redeemed through the Chase travel portal. You can also transfer those rewards to 11 different Chase Travel℠ transfer partners .

Why We Like It

See how these cards compare:.

Capital One Venture Rewards Credit Card

• Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening
• 2 miles per dollar on every purchase, every day
• Up to $100 Global Entry or TSA PreCheck® credit
• No foreign transaction fees
• 19.99% - 29.99% (variable) purchase APR
• Rates and fees

Chase Sapphire Preferred® Card

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
• 5X points on travel purchased through Chase Travel℠
• 25% more value when redeeming rewards for travel through Chase Travel℠
• 10% anniversary point bonus each year
• $50 annual credit on hotel stays booked through Chase Travel℠
• Premium travel protection benefits

The TD First Class℠ Visa Signature ® Credit Card can be a good fit for frequent travelers and diners who can maximize its rewards. With attractive benefits like a generous welcome offer, introductory APR on balance transfers, and None foreign transaction fees, it can provide substantial value.

However, the $89 (waived first year) annual fee and restrictions on reward redemptions may not be ideal for everyone. If your spending habits or travel needs don’t align with this credit card, you can explore more options in our list of the best travel credit cards .

Author Details

• Credit Cards
• Best Credit Cards
• Side Hustles
• Savings Accounts
• Pay Off Debt
• Travel Credit Cards

Want to learn how to make an extra $200?

Get proven ways to earn extra cash from your phone, computer, & more with Extra.

You will receive emails from FinanceBuzz.com. Unsubscribe at any time. Privacy Policy

• Vetted side hustles
• Exclusive offers to save money daily
• Expert tips to help manage and escape debt

Hurry, check your email!

The Extra newsletter by FinanceBuzz helps you build your net worth.

Don't see the email? Let us know.

TD First Class Visa Signature credit card review

Written by: Kelly Dilworth

• Balance Transfer

In a Nutshell:

A poor choice for cardholders on a budget, the TD First Class Visa Signature card charges a high annual fee in exchange for modest rewards and a relatively short 0 perfect balance transfer promotion.

Other Notable Features: No foreign transaction fees, free concierge service, auto rental insurance, baggage insurance, discounted roadside assistance, hotel upgrades, extended warranty

The TD First Class Visa Signature card offers an accessible sign-up bonus and triple points on dining and travel, but its below-average rewards rate makes it hard to justify the high annual fee.

TD Bank, a regional East Coast bank, has put a lot of effort into making the TD First Class Visa Signature card look like a luxury credit card. It set the annual fee at a hefty $89 per year, promised cardholders VIP treatment on the road and billed its rewards points as “First Class miles.” However, a closer look at the TD First Class Visa Signature card shows its premium benefits may not live up to the hype.

The pricey annual-fee card also has a limited audience. Only cardholders who live in one of the 16 states, including Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Vermont, Virginia, and Washington, D.C, may qualify.

Accessible sign-up bonus

Despite aiming the card at higher-income cardholders who can afford to pay $89 a year for a credit card, TD Bank has made the First Class card’s sign-up bonus unusually accessible. Cardholders earn 25,000 bonus miles if they charge roughly $500 a month ($3,000 total) within the card’s first six billing cycles. At a value of roughly $250 if the points are redeemed for travel, the First Class card’s total sign-up bonus isn’t spectacular, but it may be high enough to attract current TD bank customers.

Triple the rewards for dining and travel

The TD First Class Visa Signature card also offers triple bonus miles on dining and travel purchases, making it an attractive option for cardholders who spend a lot of time on the road. Business travelers especially could rack up a substantial number of points with the card’s triple rewards rate, making a free round-trip ticket seem like it’s within easy reach. However, the card’s below-average rewards rate might make redeeming miles for free travel a tougher feat than the card’s promotional language lets on.

Not the best value

If you redeem your miles for travel, they’re worth around 1 cent per mile, which is average for a rewards card , and well below the value of similar travel cards with comparable annual fees. Unless you’re a heavy spender, that could make earning a first-class airline ticket with First Class miles a tough proposition – even with triple bonus points on certain types of spending. Miles that are redeemed for other types of rewards, such as gift cards and merchandise, may be worth even less, depending on what type of item or gift card you choose. Cardholders are likely to find more generous rewards programs through other cards at the same fee level.

Some restrictions on redemption

TD Bank also makes cardholders wait before they can redeem their points for dining or travel, which can be a pain for cardholders who want to redeem miles early. To get a statement credit for 100 percent of the value of the rewards purchase, you must redeem at least 25,000 miles. TD Bank does, at least, make it easier to redeem miles for travel than some competitors. For example, because you’re given a statement credit, you can redeem miles for any ticket and don’t have to go through a specific site that may not offer the best deals. Cardholders can also book rewards flight directly with their favorite airline and earn additional miles through the airline’s frequent-flier program. However, they can’t transfer miles to other programs.

Mediocre perks

The TD First Class Visa Signature card doesn’t offer any perks that can’t be found on a card with no annual fee, making its high annual fee hard to justify. The card’s promotional material boasts that cardholders are given access to VIP experiences and luxury hotel benefits, but the only benefits offered by the card are those that come with all Visa Signature cards, including Visa Signature cards without an annual fee. Premium benefits offered by Visa Signature include round-the-clock concierge service, hotel upgrades and discounts on luxury hotels.

Why get the TD First Class Visa Signature credit card?

• You spend a lot on travel and restaurant purchases.
• You want a card that helps you earn additional free travel.
• You prefer to earn statement credits for travel rather than booking through a card issuer.
• You’re already a TD Bank customer and would like a credit card with the same bank.

How to use the TD First Class Visa Signature credit card:

• Be careful about how you redeem your points. Miles redeemed for travel and some gift cards are generally worth 1 cent per mile. However, miles redeemed for other types of rewards purchases are sometimes worth considerably less.
• Don’t forget to redeem your miles quickly when you take a trip. To redeem 100 percent of a travel or dining purchase, you must redeem your miles within 180 days of purchase.
• Check TD Bank’s website regularly for special discounts provided to TD Bank credit card holders.

Our reviews and best card recommendations are based on an objective rating process and are not driven by advertising dollars. However, we do receive compensation when you click on links to products from our partners. Learn more about our advertising policy

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

Responses to comments in the discussion section below are not provided, reviewed, approved, endorsed or commissioned by our financial partners. It is not our partner’s responsibility to ensure all posts or questions are answered.

CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.

Know your odds before you apply

• Enter your information
• We’ll run a soft credit pull, which won’t impact your credit score
• You’ll see your estimated approval odds near cards to help you narrow down your options

Your personal information and data are protected with 256-bit encryption.

Tell us your name to get started

We’ll use this information to to verify your credit profile.

What’s your mailing address?

What's your employment status?

Your answer should account for all personal income, including salary, part-time pay, retirement, investments and rental properties. You do not need to include alimony, child support, or separate maintenance income unless you want to have it considered as a basis for repaying a loan. Increase non-taxable income or benefits included by 25%.

Put $0 if you currently don't have a rent or mortgage payment.

Last four digits of your Social Security number

We’ll use the last four digits of your Social Security number to get your approval odds. This won’t impact your credit score.

What’s your email address?

Your email address unlocks your approval odds. Don’t worry, we won’t spam your inbox.

By clicking "See my odds" you agree to our Terms of Use (including our Prequalification Terms ) and Privacy Policy . These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer.

Calculating your approval odds

Oops something went wrong..

We’re sorry, but something went wrong and we couldn’t find your approval odds. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site.

• Small Business
• Investing & Wealth

Need to activate your credit card?

It's easy to do online or in the TD Bank app.

Get More With Your TD First Class SM Visa Signature® Credit Card

Explore all the benefits and features of your TD Credit Card.

Your travel and everyday spending can add up to big rewards

Use your TD First Class card for travel and everyday spending to get the most out of your card:

• 3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining
• 1X First Class miles on all other purchases —miles never expire as long as your account is open and in good standing *
• $89 annual free, waived the first year *

Log in to manage your TD Credit Card and view your rewards. *

New card? Activate now

* Read important terms and conditions

View the Personal Credit Card Agreement for TD First Class Card

Manage your credit card online or with the TD Bank app

• Activate a new credit card and add it to your digital wallet
• Check your balance and view transactions
• Use the new Payment Center to pay your bill
• Check your FICO score (Online Banking only)
• View and redeem rewards
• Set up balance and transaction alerts
• Choose paperless statements
• Add an authorized user
• Order a replacement card
• Check for balance transfer offers

Need to enroll in Online Banking? It's easy to do online or in the TD Bank app. Enroll now

View your rewards

Check your rewards balance and how to redeem through Online Banking or the TD Bank app.

TD Bank Visa® Credit Card benefits 1

Fraud and purchase protection benefits 1

Every TD Credit Card comes with an added layer of protection, such as:

• Cell phone protection
• Emergency card replacement
• ID Navigator Powered by Norton Lifelock

Travel, entertainment and lifestyle benefits 1

You'll also get the following:

• Roadside Dispatch ®
• Same-day delivery from a variety of stores
• Discover new music with Sofar Sounds
• More Visa offers and deals

Download your Visa Guide to Benefits (PDF)

Have you checked for special offers?

Log in to Online Banking or the TD Bank app to see if you've qualified for any personalized offers.

Looking for a balance transfer?

Check under Balance Transfer to see if there's an offer or contact TD to initiate a balance transfer request. 

More helpful tools and resources

Add your credit card to your digital wallet

Simplify in-store, online and in-app purchases and pay with your phone

Tap to pay with your contactless card

Learn how to pay quickly and easily by tapping your card

Stay secure with chip technology

Your card is more secure and easier to use around the world

Stay on top of your credit

Learn how to protect your personal credit report and score

Important Disclosures

View the Personal Credit Card Agreement for TD First Class Card.

* Read complete terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and program details.

1 To learn more about TD Visa Credit Card Benefits please visit https://www.td.com/us/en/personal-banking/credit-cards/benefits-features.

Have a question? Find answers here

Popular questions, helpful related questions, did you find what you were looking for.

Sorry this didn't help. Would you leave us a comment about your search?

See you in a bit

You are now leaving our website and entering a third-party website over which we have no control.

Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of the third-party sites hyperlinked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third party sites.

Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

• Credit Cards
• Rewards Credit Cards
• TD First Class Travel® Visa Infinite Card

TD First Class Travel® Visa Infinite Card review

Advertisement disclosure.

You should know that in some cases, we may receive compensation when you click on links or purchase through links on this site. This is at no extra cost to you. It lets us operate the business and keep the service free for everyone. Here's How We Make Money .

This site does not include all companies and offers available. We are an independent comparison service. While we aim to provide you with the most accurate information and keep things up to date, prices and terms of products and services can change. We encourage you to always do your own research and double check the terms. Using the information on this site is at your own risk and without warranty.

Am I eligible?

To get this card, you must also:.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The TD First Class Travel® Visa Infinite* Card is a decent travel card. It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or... - Hannah Logan, Courtney Reilly-Larke, Forbes

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD. It also offers substantial long-term value for those who have a TD All-I... - Money.ca

This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you. - Stefani Balinsky, Hardbacon

The TD First Class Travel Visa Infinite Card is a popular travel rewards credit card that is popular with TD and non-TD customers alike. Its overhaul in 2022 help the card regain some traction as a strong option in our very competitive credit card market. By having accelerated earn rates coupled wit... - Rewards Canada

TD First Class Travel Visa Infinite Card is a personal credit card targeted toward high-income earners in Canada. With the best reward points available when you book travel via Expedia for TD, the card is an excellent option for folks who like traveling. The card also has comprehensive travel insura... - Victor, Yore Oyster

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with TD First Class Travel® Visa Infinite Card