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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

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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.

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• $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.

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TD Aeroplan Visa Infinite Card Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet Rating

NerdWallet CA

Best for travellers who fly Air Canada and want to earn points on groceries and gas.

Frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this travel rewards credit card. Learn more about how we evaluate cards .

The TD Aeroplan Visa Infinite Card is a travel rewards credit card that earns Aeroplan points from Air Canada’s loyalty program. Cardholders earn one Aeroplan point per dollar spent, with accelerated earning rates on eligible grocery stores, gas stations and Air Canada purchases.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• 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).
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• 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.
• 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 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.
• †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.
• Full review
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TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card

• Rating methodology

TD Aeroplan Visa Infinite Card full review

The TD Aeroplan Visa Infinite Card is one of four TD Bank credit cards that earn Aeroplan points. You can redeem your points for flights, hotel stays, car rentals, merchandise, gift cards and more.

Benefits of the TD Aeroplan Visa Infinite Card

• Robust travel insurance offerings. 
• One free checked bag per person on Air Canada flights. 
• NEXUS fee rebates of up to $100 every 48 months. 
• Access to the Visa Infinite program, which offers a 24/7 concierge and gourmet food and wine event opportunities, and more.

Drawbacks of the TD Aeroplan Visa Infinite Card

• Annual fee for average perks. While this card’s $139 annual fee is on par with other rewards cards, it’s possible to get a credit card without a yearly fee . 
• Minimum annual income requirements, which may exclude some applicants.
• No airport lounge access. 

Who should get the TD Aeroplan Visa Infinite Card?

The TD Aeroplan Visa Infinite earns Aeroplan points and offers its highest earn rate on groceries, gas and Air Canada purchases. With that in mind, frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this credit card’s travel rewards program.

Is TD Aeroplan Visa Infinite Card worth it?

Whether the TD Aeroplan Visa Infinite Card is worth it comes down to your spending habits. One Aeroplan point has an average value of 2.23 cents, according to NerdWallet’s analysis. So, you’d need to earn at least 6,233 Aeroplan points to recoup the card’s annual fee of $139.

TD Bank customer ratings

• Low in customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study [1] .
• Low Trustpilot rating: TD Bank scored 1.3 out of 5 possible stars based on over 2,100 customer reviews, as of this writing.
• Low Better Business Bureau customer rating: TD Bank scored 1.1 out of 5 possible stars based on over 280 customer reviews, as of this writing. 

TD Aeroplan Visa Infinite Card eligibility

Who qualifies for the td aeroplan visa infinite card.

You must be a Canadian resident and at least the age of majority for your province or territory to be eligible for the TD Aeroplan Visa Infinite Card. You’ll also need to meet the following income requirements:

• A minimum annual income of $60,000 for an individual, or; 
• $100,000 for a household.

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores , which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for. Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

TD Aeroplan Visa Infinite Card rewards

Earn up to 50,000 Aeroplan points. Conditions apply. Account must be approved by June 3, 2024.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card. 
• Earn 20,000 points when you spend $6,000 within 180 days of account opening. 
• Earn a one-time anniversary bonus of 20,000 points when you spend $10,000 within 12 months of account opening.
• 1.5 points for every $1 spent on groceries, gas and Air Canada purchases, like flights.
• 1 point for every $1 spent on all other purchases.
• Twice the points when you use the card at eligible retailers and provide your Aeroplan number. 
• 50% more points at Starbucks when you link your card to a Starbucks account.  

According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. So, the 50,000 Aeroplan points may be worth a little under $1,115 on average, depending on how the points are redeemed.

A quick caveat: You don’t receive any bonus points until you start spending with the card. You’ll earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase; 20,000 points when you spend $6,000 within 180 days of account opening; plus, an anniversary bonus of 20,000 points when you spend $10,000 within 12 months of account opening.

You also get NEXUS application fee rebates of up to $100 every 48 months with the TD Aeroplan Visa Infinite.

And, you (plus up to eight companions) get one complimentary checked bag per traveller on Air Canada flights, which could save you upwards of $60 on an economy round trip ticket across Canada, the US and the Caribbean. Plus, the travel insurance that comes with the TD Aeroplan Visa Infinite could be worth thousands, should you ever need to put it to use.

Point value breakdown

NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights. Based on our analysis, the average value of 1 Aeroplan point is worth 2.23 cents.

More specifically, you can expect to get around:

• 1.69 cents in value per Aeroplan point for economy class awards on Air Canada, and
• 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.

How to apply for the TD Aeroplan Visa Infinite Card

You can complete the TD Aeroplan Visa Infinite Card application from TD Bank’s website:

• Select the Apply Online button from the TD Aeroplan Visa Infinite Card’s page on TD Bank’s website.
• Select your province of residence.
• Review the card’s terms and conditions and select I Agree to continue.
• Enter your personal details, including your full name, date of birth, phone number, email address and residential address.
• Tell TD Bank about your employment status.
• Tell TD Bank about your finances, including your annual personal income, household income, residential status and mortgage or rent payments.
• Review the information you’ve submitted and select your preferred credit limit.
• Add personal information for any additional cardholders you’d like to add to the account.
• Review the card’s insurance coverage and terms and conditions.
• Submit your application.

Both of these travel cards earn rewards, but their rewards programs differ.

Reasons you might want a different card

The TD Aeroplan Visa Infinite Card has plenty to offer, but it may not be the right choice for you if:

• You don’t want a credit card with an annual fee.
• You don’t travel with Air Canada very often.
• You don’t meet the minimum income requirements.
• You want airport lounge access or other travel perks the TD Aeroplan Visa Infinite Card doesn’t offer.
• You’d prefer to earn a different reward, like cash back.

If you bank with TD and are looking for a credit card, you can review the credit card types, rewards and perks that come with other TD Bank credit cards. If you are specifically interested in a travel card that includes lounge access, you can review NerdWallet’s list of the best credit cards that offer lounge access .

TD Aeroplan Visa Infinite Card facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Frequently asked questions about TD Aeroplan Visa Infinite Card

No, there is currently no airport lounge access with this card.

Visa Infinite Privilege cards tend to come with more perks and higher rewards earn rates than Visa Infinite cards. But with those benefits comes steeper annual fees and income requirements.

Interested in a Visa Infinite Privilege card? Check out our full review of the TD Aeroplan Visa Infinite Privilege for more information.

Article Sources

• J.D. Power , “ J.D. Power 2023 Canada Credit Card Satisfaction Study ,” accessed October 12, 2023.

About the Authors

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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…

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23 Best Credit Cards in Canada for April 2024

NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

How to Choose a Travel Credit Card

With so many cards, rewards programs and benefits available, choosing the right travel credit card can be overwhelming. However, once you’ve got one in your wallet, you can reap the rewards on your next trip.

19 Best Travel Credit Cards in Canada for April 2024

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What is Trip Cancellation and Interruption Insurance and How Does it Work?

The Trip Cancellation and Interruption plan provides coverage for eligible travel expenses in case your trip is interrupted or cancelled. It can be purchased separately or as part of a medical travel insurance plan. Let's dive into understanding the difference between trip cancellation and trip interruption.

What is the difference between trip cancellation and trip interruption insurance?

Sometimes, trip cancellation and trip interruption are used interchangeably but they do cover different aspects of your travel.

A trip cancellation plan provides coverage if your trip is cancelled for a covered reason before you depart for your trip. The benefits could include reimbursing you for the cost of non-refundable travel expenses, like trip deposits and flight change fees, if your trip is cancelled because of a covered cause. 

On the other hand, a trip interruption plan provides coverage after you depart on your trip. The benefits could include paying for your trip home or to your next destination if your trip is interrupted because of a covered cause.

It is good to keep in mind that trip cancellation and interruption plan may not provide coverage for medical expenses you incur on your trip. So, you may want to purchase a travel medical plan if you are looking for travel medical coverage.

The benefits provided under these types of plans vary by insurer. Therefore, it is a good idea to review the plan details before you purchase.

Highlights:

• How does a trip cancellation and interruption insurance plan help?

Why should I purchase a Trip Cancellation and Interruption insurance plan?

What is not covered by trip cancellation and interruption insurance.

• Do I need to get travel medical insurance separately?

Who is eligible for buying trip cancellation and interruption insurance?

• How much does trip cancellation and interruption cost?

Is trip cancellation and interruption insurance worth buying?

Applying for trip cancellation and interruption plan with td insurance, how does a trip cancellation and interruption plan help.

If you've faced any of the covered causes as mentioned in your policy, it would be advisable to report the incident as soon as possible to the insurer. Some policies may require you to report the cancellation or interruption within a specified time, therefore, it is best to review the policy documents to understand the reporting requirements. 

The requirements for a claim are generally to submit the completed claims form along with any required documents and information. If you meet the conditions for a successful claim based on your coverage, you may be refunded or compensated for some of the financial losses you faced. The benefits, limitations and exclusions under a trip cancellation and interruption plan vary by policy and insurer. The best practice is to review the policy

This type of plan can reimburse you if your trip is cancelled or interrupted for a covered reason. Some examples of covered reasons could be:

• Sickness, injury, death, or quarantine of a member of your travel party.
• A delay that causes you to miss or interrupt any part of your covered trip due to weather, mechanical reasons, or travel advisory.
• Loss or damage to your baggage and personal effects due to theft, burglary, fire, or transportation hazards.
• Death or emergency hospitalization of your host at the destination.
• Involuntary loss of permanent employment.

Every insurer has their own list of exclusions and limitations. Also, you should be aware that any benefit paid will be for eligible expenses and only up to the defined limit as per your policy. Here are some of the exclusions you could come across:

• Pre-existing medical conditions
• Self-inflicted injuries
• Getting involved in criminal activities
• Labour disruptions or strikes
• Giving birth to a child during your trip

While these are just a few of the exclusions you may find, it's best to check your insurance policy for a detailed list. Also, you can check with your travel insurance provider if you have questions. 

Do I need to purchase travel medical insurance separately?

As we've discussed above, the trip cancellation and interruption plan doesn't include any benefits for travel medical expenses. A separate travel medical insurance plan can be purchased that could help cover costs for hospitalization or doctor's fees, ambulance services, diagnostic services, prescription drugs or even medical appliances. Several insurers provide a comprehensive bundle such as TD Insurance Multi-Trip All Inclusive Travel Insurance Plan 1 that includes medical and trip cancellation and trip interruption benefits in one plan. 

No matter which insurer you choose, it's always a good idea to check your eligibility before you apply for the plan. Here are some eligibility requirements you may have to meet if you are applying trip cancellation and interruption insurance with TD Insurance:

• You are a Canadian resident
• You are covered by the government health insurance plan of your province or territory of residence during your trip and at the time a claim is incurred.
• Minimum age requirement of 15 days old.
• There are certain medical conditions that could make you ineligible for coverage under a selected plan.

Please read the policy or contact us for more details on eligibility.

How much does trip cancellation and interruption insurance cost?

There are several factors on which the cost of a trip cancellation and trip interruption plan may depend on. A few things that may determine the cost of such a policy are:

• The total cost of your trip. This may include the cost of non-refundable purchases like flights, cruises and hotels or any other prepaid travel arrangement.
• The amount of coverage you wish to purchase
• The number of travelers who will require insurance coverage
• Your age and the condition of your health
• The duration of the trip

Whether you should purchase trip cancellation and interruption insurance depends on your personal circumstances. To determine whether you should purchase this type of insurance, you can consider the following:

• You are travelling internationally or out of your province
• You have multiple layovers as the more connecting flights you have, higher are the chances of facing a cancellation or interruption.
• You are looking to cover the cost to repair or replace your baggage and personal effects due to loss or damage by reason of theft
• You have little to no coverage through your employer provided travel plan or limited benefits with your travel credit card

You can apply for TD Insurance Trip Cancellation and Interruption Plan online 2 . We will let you know of your eligibility provide you with an estimate of how much the coverage might cost based on your response. If you're satisfied with the estimate, you could proceed to purchase.

While experience is a great teacher, it doesn't hurt to get a few tips along the way to help make an informed decision in case of trip cancellations and interruptions. 

FAQs Related to Trip Cancellation and Interruption

Does trip cancellation and interruption insurance only cover the cost of cancelled flights.

The trip cancellation and interruption plan can reimburse you for more than just the cost of flights or other travel arrangements like a cruise. Such plans could also cover the cost of meals, accommodations, taxi transportations if your trip is cancelled or interrupted for a covered reason.  

Different plans could have different benefits, it is important to read the policy carefully before purchasing.

Can I buy trip cancellation and interruption insurance after booking a trip?

Generally, you can purchase trip cancellation and trip interruption insurance after you book your trip. However, you cannot purchase the insurance after you depart for your trip . Please check with your insurer for exact details.

Is it better to purchase an all-inclusive travel insurance package which includes medical insurance, or a trip cancellation and interruption insurance plan?

Whether you get an all-inclusive travel insurance plan, or a Trip cancellation and Trip Interruption plan is up to you. If you do not have travel medical coverage, it could be a good idea to purchase an all-inclusive plan which includes medical and non-medical coverage.  

Is it sufficient if my credit card provides Trip Cancellation and Trip Interruption insurance?

The answer differs based on the type of traveler you are and the coverage that is associated with your credit card. If compared with a trip cancellation and trip interruption insurance policy provided by an insurance company, the one provided by a credit card may or may not fulfill your needs. While planning your next trip you should consider understanding the coverage on your credit card and if it is adequate to cover medical and/or non-medical situations. 

Is there any age restriction for applying for trip cancellation insurance?

There is a minimum age that varies with each insurer. Please check with your insurer for details.

Related articles

Domestic Travel Insurance Within Canada

Coverage & exclusions: what you may want to consider

Understanding Travel Insurance Terminology

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The content on this page is for general information purposes only and does not constitute legal, financial or insurance advice. Speak to a licensed insurance professional regarding your specific situation. The information contained herein, is subject to change without notice. 

• TD Insurance Multi-Trip All-Inclusive Plan is an individual plan underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details.
• TD Insurance Trip Cancellation & Interruption Plan is an individual plan underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions. Please refer to the Sample Policy for full details.

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TD Cash Back Visa Infinite 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.

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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.

Updated: Jan 18, 2024, 4:01am

Fact Checked

With 3% cash back on your essential spending, like all gas, grocery and recurring preauthorized payments, and 1% cash back on everything else, the TD Cash Back Visa Infinite is a no-fuss way to earn money. Factor in a generous welcome offer of 10% cash back for three months (with an array of useful benefits) and it’s no surprise this is listed as one of Canada’s best cash back cards. While its basic travel benefits likely aren’t enough for the frequent jetsetter, they’re sufficient for the everyday spender who likes casual traveling and wants an all-in-one card for their wallet.

• Earn cash back rewards for every spending category.
• Redeem cash back rewards at any time.
• Emergency medical insurance and other travel benefits.
• No Trip cancellation and interruption insurance.
• Cash back rewards can only be used against your statement balance.
• No intro APR or balance transfer offer.

Table of Contents

Introduction, at a glance, td cash back visa infinite rewards, td cash back visa infinite benefits, how the triangle mastercard stacks up, methodology, is the td cash back visa infinite right for you.

• Advertiser's Disclosure
• 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†.
• 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 and you must add your Additional Cardholders by June 4, 2024.
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

Every time you buy groceries, gas, or pay a recurring bill with your TD Cash Back Visa Infinite, you’ll earn 3% cash back. For every other purchase, the cash back rate is 1%. This earning potential alone is a selling point, but this card goes above and beyond by offering travel perks, extended warranty protection and a TD Auto Club Membership.

Travellers can enjoy peace-of-mind with up to $2 million dollars in travel medical insurance for the first 10 days of a trip (4 days for anyone 65 or older) as well as access to emergency travel assistance services and up to $1,000 in delayed and lost baggage insurance. Unfortunately, trip cancellation and trip interruption insurance are not included with the card, though they are available for purchase.

For a limited time, new cardholders earn 10% cash back on every purchase (gas, grocery, and pre-authorized purchases) made during the first three months (up to $3,500). One the welcome bonus threshold is reached, after that base earn rate of 6% cash back will be applicable.

• 3% cash back for all grocery and gas station purchases, as well as on recurring authorized bill payments. 1% cash back on everything else.
• $139 annual fee (rebated in the first year; account must approved by June 3, 2024).
• 10 days of up to $2 million dollars of emergency travel insurance (4 days for anyone 65 or older).

Earning Rewards

The TD Cash Back Visa Infinite offers its highest cash back rate (3%) for groceries, gas stations, and pre-authorized recurring payments. Every other purchase category earns 1% cash back.

However, one drawback is that when earning that 3% cash back, there is a spending cap of $15,000 on each category. Once you’ve reached the limit, you will only earn 1% in those categories. That base rate of 1%, that you get on all spending, has no limit.

Redeeming your cash back is convenient, as you can do it easily through both the TD Mobile App and the bank’s online banking platform, EasyWeb. Cardholders can also keep track of their reward progress at TDRewards.com or over the phone with a member of the TD customer service team. Cash back rewards never expire, but all redeemers must have an open account in good standing to benefit.

Unlike other cards that have strict reward redemption windows, the TD Cash Back Visa Infinite allows you to redeem your cash back at any time, as long as you have accumulated a minimum of $25 in cash back.

Though the default option for redeeming cash back with this card is statement credit, the fine print does say your cash-back rewards can be redeemed for merchandise, education credits, goods from specific merchants and any other item TD may allow from time to time.

Rewards Potential

In the 3% rewards category, “recurring payments” include subscriptions like Netflix, gym memberships or Amazon Prime.

All spending categories taken to their maximum spend limits would amount to $545.15 in gross annual rewards with this card ($425.15 in net earnings minus the $139 annual fee).

• Purchase Protection and Extended Warranty: Eligible items paid for with the card will be covered from theft and damage for 90 days after purchase.
• Emergency Travel Assistance Services: Cardholders get access to a toll-free personal emergency number while travelling.

Interest Rates

• Regular APR: 20.99%
• Cash Advance: 22.99%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $139 (rebated in the first year, account must approved by June 3, 2024)
• Any other fees: $50 for the first additional cardholder, $0 for subsequent cardholders (must be added by June 4, 2024).

TD Cash Back Visa Infinite vs. Scotia Momentum Visa Infinite

Scotiabank’s card offers a slightly higher (4%) cash back reward for grocery purchases, recurring bills and subscriptions. Gas station and transit purchases earn 2% and every other purchase earns 1%. The spending caps are also slightly higher at $25,000 (compared with $15,000 on this card).

Overall, Forbes Advisor estimates the yearly net annual earnings, meaning the earnings minus the annual fee, of the Scotia Momentum Visa Infinite to be $491.14, higher than the $425.15 in net earnings from the TD Cash Back Visa Infinite. The Scotia Momentum Visa Infinite also comes with trip delay,trip cancellation insurance and travel accident insurance, which the TD Cash Back Visa Infinite does not include. So, if you travel frequently and want a little more cash back overall, the Scotia Momentum Visa Infinite is the better option for you.

TD Cash Back Visa Infinite vs. CIBC Dividend Visa Infinite

With the CIBC Dividend Visa Infinite, cardholders earn 4% cash back on grocery and gas station purchases, as well as 2% cash back on recurring bills, dining and transportation purchases. Forbes Advisor Canada estimates its net annual earnings to be $537.50 (meaning the $139 annual fee has been factored in). Considering that the net earnings for the TD Cash Back Visa Infinite are $425.15, the CIBC Dividend Visa Infinite trumps it by $112.35 in annual net earnings.

That said, this CIBC card isn’t as accessible. To qualify for the CIBC Dividend Visa Infinite, applicants must have a “very good” or “exceptional” credit score in order to be approved, which makes it an unrealistic option for some.

TD Cash Back Visa Infinite vs. ManulifeMONEY+ Visa Infinite

The ManulifeMONEY+ Visa Infinite is a no fee card that allows consumers to earn 2% cash back on grocery purchases and 0.5% cash back on everything else. For a no fee card, the ManulifeMONEY+ Visa Infinite has a surprising number of perks, including rental car insurance, purchase protection, extended warranty coverage and trip delay insurance. It’s also a great option for anyone looking to do a balance transfer. Unlike the TD Cash Back Visa Infinite, which doesn’t have a balance transfer offer, this card offers an introductory balance transfer rate of 1.99% for six months. However, the ManulifeMONEY+ Visa Infinite does pale in comparison to the TD Cash Back Visa Infinite when it comes to cash back earnings. Its net annual earnings are estimated at $229.25, compared to the $425.15 in net earnings the TD Cash Back Visa Infinite could provide.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonus and other rewards 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 Cash Back Visa makes earning effortless. The fact that the spending categories are pre-determined, and that you don’t get to choose them, might feel limiting to some, but there’s something to be said for simplicity.

Overall, it’s a solid, well thought out card that comes with other “nice to have” features along with the cash back, like emergency medical insurance and car rental discounts. For most consumers, it’s well worth the $139 annual fee, which is rebated for the first year and for the annual value of your cash back rewards.

Frequently Asked Questions (FAQs)

What are the extra benefits you get with a visa infinite card.

This Visa Infinite card comes with emergency travel insurance, delayed and lost baggage insurance, car rental discounts, auto rental collision/loss damage insurance and emergency travel assistance services. Cardholders also have extended warranty and purchase protection on all purchases, as well as the opportunity to earn 50% more Starbucks Stars through the Starbucks Rewards app. A deluxe membership to the TD Auto Club is also included, which comes with 24/7 roadside assistance. In short, if the unexpected happens on a trip or after a purchase, this card may very well come in handy.

What are the income requirements for the TD Cash Back Visa Infinite Card?

In order to be eligible for the TD Cash Back Visa Infinite Card, applicants must make either $60,000 a year as an individual or $100,000 a year as a household.

What credit score do you need for the TD Cash Back Visa Infinite?

The TD Cash Back Visa Infinite requires a good/excellent credit score. A good credit score is usually 660 or above. An excellent credit score is 760 and above.

When can you redeem cash back on the TD Cash Back Visa Infinite?

You can redeem cash back on the TD Cash Back Visa Infinite at any time. However, redemptions can only be used toward paying off your statement balance.

Is the TD Cash Back Visa Infinite credit card worth it?

The TD Cash Back Visa Infinite ranks among Canada’s best cash back cards for good reason—it is capable of earning a good amount of cash back and offers useful perks. While some of those perks won’t offer as much as a traditional travel credit card, the insurance coverage is plenty for the casual traveller who’s spending their time (and their money) closer to home.

Advertiser's Disclosure

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.

Rachel Cribby is originally from Windsor, Ontario. A professional writer of many years, Rachel has a passion for explaining money-related topics with a lens that makes them approachable to all, no matter their financial background. Her personal finance articles have also appeared in Wealth Rocket and GreedyRates. She has a degree in creative writing from Montreal's Concordia University.

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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.

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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)
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• 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
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• Groceries 3 %
• Recurring Payments 3 %
• Year 1 $969
• Year 2+ $341

• Book Travel
• Credit Cards

7 Reasons to Apply for the TD First Class Travel® Visa Infinite* Card

If you’d like to earn TD Rewards Points to put towards flights, hotels, short-term rentals, vacations, and more, be sure to check out the current offer on the  TD First Class Travel® Visa Infinite* Card .

Until March 4, 2024, there’s a record-high welcome bonus of up to 135,000 TD Rewards Points† up for grabs, and beyond that, there are many reasons to keep the card in your wallet year after year.

Let’s look at 7 reasons why the TD First Class Travel® Visa Infinite* Card should be part of your overall credit card travel strategy.

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  80 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139, rebated for the first year †
• Application must be approved by June 3, 2024 to receive this offer

In This Post

1. record-high welcome bonus, 2. first-year annual fee rebate, 3. elevated category earning rates, 4. 10% annual birthday bonus, 5. flexible redemptions with td rewards points, 6. annual travel credit, 7. strong insurance coverage.

The current welcome bonus on the TD First Class Travel® Visa Infinite* Card matches the highest we’ve ever seen.

If you apply and are approved for the card by March 4, 2024,† you can earn up to 135,000 TD Rewards Points in the first year.†

To unlock the full welcome bonus, you’ll need to meet the following conditions:

• Earn 20,000 TD Rewards Points  upon first purchase †
• Earn 115,000 TD Rewards Points  upon spending $5,000 in the first six months †

In other words, you’ll need to spend an average of $833 on eligible purchases in each of the first six months as a cardholder to earn the full welcome bonus.

Plus, you’ll benefit from earning more points along the way, thanks to the card’s category earning rates, which we’ll discuss below.

When it comes time to redeem, you can redeem 135,000 TD Rewards Points for up to $675 worth of travel booked through Expedia® for TD, or for up to $540 for travel booked directly with vendors with the Book Any Way feature.† 

The structure of the current offer is such that you have a sizeable welcome bonus paired with a reasonable minimum spending requirement , and a full six months to complete it.

With a record-high welcome bonus up for grabs, there’s no better time to apply for the TD First Class Travel® Visa Infinite* Card ; however, there are many other compelling reasons to have this card, which we’ll discuss below.

The TD First Class Travel® Visa Infinite* Card normally comes with an annual fee of $139.†

In tandem with the historically high welcome bonus, the current offer includes a first-year annual fee rebate, which applies to both the primary cardholder and the first supplementary cardholder.†

While the TD First Class Travel® Visa Infinite* Card would certainly be worthwhile even with a $139 annual fee, the first-year annual fee rebate really makes this offer even more compelling.

Plus, if you have a TD Unlimited or All-Inclusive banking account, you can have the annual fee waived on one TD credit card of your choice, including the TD First Class Travel® Visa Infinite* Card , on an ongoing basis.

The TD First Class Travel® Visa Infinite* Card also has a four-tier earning structure, which allows you to earn more points on many eligible everyday purchases.

These category multipliers are useful as you work to meet the minimum spending requirement, as well as when you continue to pad your TD Rewards Points balance over the long-term.

Currently, the earning rates on the TD First Class Travel® Visa Infinite* Card are as follows:

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

It’s worth noting that there’s an annual spending cap for the elevated earning rates in the groceries, restaurants, and recurring bill payment categories.

After you’ve spent $25,000 within the year, the earning rates in these categories will be lowered to 2 TD Rewards Points per dollar spent.†

If you redeem TD Rewards Points for a value of 0.5 cents per point by booking travel through Expedia® for TD, these rates are equivalent to a 4%, 3%, 2%, or 1% return, respectively.

These are solid earning rates, which will help you quickly earn points to offset the cost of travel throughout the year.

Plus, on your cardholder anniversary date, you’ll get a further boost to your balance with one of the card’s other hallmark features.

In addition to the strong earning rates on day-to-day spending, you’ll also receive a 10% Birthday Bonus in the form of TD Rewards Points .†

Each year on your cardholder anniversary date, you’ll earn an additional 10% bonus on all the TD Rewards Points you’ve earned over the past 12 months, up to a maximum of 10,000 points.†

To maximize this benefit, which is worth up to $50 if you redeem the points for travel booked through Expedia® for TD, you’d need to earn a total of 100,000 TD Rewards Points organically throughout the year.

To put this into perspective, you’d need to spend around $1,380 per month on eligible groceries and dining purchases†, or any other combination to bring you across the threshold of 100,000 points.

When it comes time to redeem your points, you’ll be happy to know that TD Rewards Points are fairly flexible.

While you can’t transfer your points to any external airline or hotel loyalty programs, the best (and most valuable) way to redeem TD Rewards Points is for travel, either booked through Expedia® for TD or directly with any vendor.

In fact, TD Rewards Points are particularly useful to have on hand when it comes to filling the gaps for travel that can’t be booked through other loyalty programs.

The most valuable way to redeem TD Rewards Points is through Expedia® for TD, which will give you a value of 0.5 cents per point.

On the platform, you can book flights, hotels, car rentals, cruises, tours, and even Disney tickets, among other things, and get the maximum possible value from your points.

Since many of these expenses are typically difficult to book with other points currencies, using TD Rewards Points to book travel at a fixed value of 0.5 cents per point is an excellent redemption opportunity, and could end up saving you a significant amount of cash on your next trip.

On the other hand, if you want to book travel directly with vendors, you can still redeem TD Rewards points for those purchases by exchanging the points for a statement credit at a fixed rate of 0.4 cents per point against eligible travel purchases charged to the card.†

For example, with the Book Any Way feature, you can book directly with an independent hotel and then apply your TD Rewards Points as a statement credit to offset the cost.

Plus, if you redeem your TD Rewards Points against larger Book Any Way travel expenses, you’ll gain access to an improved redemption rate of 0.5 cents per point for any amount over $1,200.†

To redeem TD Rewards Points against travel purchases booked directly with vendors, you’ll have to login to the TD Rewards website and redeem points within 90 days of the original travel purchase.†

One of the other features on the TD First Class Travel® Visa Infinite* Card that makes it worthwhile to keep for the long-term is the $100 annual travel credit. †

The $100 annual travel credit helps to offset the card’s $139 annual fee, bringing it down to an effective $39 annual fee year-after-year. However, with an eligible bank account , you’ll enjoy an annual fee rebate anyway, which makes the $100 annual travel credit even more attractive.

Beginning in the second year of card membership, you’ll earn a $100 travel credit each year on your cardholder anniversary date, which can then be used towards accommodations and vacation packages booked through Expedia® for TD.

Importantly, the credit applies to eligible purchases of $500 or more. Therefore, you can also think of it as up to a 20% discount on accommodations or vacation packages on one of your next trips.

Keep in mind that by paying for the remainder of your expense with your TD First Class Travel® Visa Infinite* Card, you’ll earn 8 TD Rewards Points per dollar spent†, too.

Lastly, the TD First Class Travel® Visa Infinite* Card comes with competitive insurance coverage. This is a key feature for a strong travel credit card, and one that you’ll certainly want to be aware of as a cardholder.

The comprehensive insurance coverage offered by the card can best be divided between travel insurance and retail insurance.

In terms of travel insurance, the card provides the following:

• Emergency medical insurance: Up to $2 million for trips up to 21 days for those aged 64 and under, and up to four days for those aged 65 and older†
• Trip cancellation: Up to $1,500 per person (maximum of $5,000 per trip)†
• Trip interruption: Up to $5,000 per person (maximum of $25,000 per trip)†
• Common carrier travel accident insurance: Up to $500,000 of coverage for losses while travelling on a common carrier (bus, ferry, plane, train, or car rental)†
• Flight delay: Up to $500 per person for delays of four hours or longer†
• Baggage delay: Up to $1,000 per person for delays of six hours or longer†
• Car rental: Up to 48 days of insurance on a vehicle with an MSRP of up to $65,000†
• Hotel/motel burglary insurance: Up to $2,500 of coverage per occurrence of stolen personal items that belong to the cardholder or eligible family members travelling with the cardholder†

With the exception of emergency medical insurance, you’ll need to charge the full cost of your trip to be eligible for the other benefits.†

Not only can the included travel insurance coverage on the card save you money, but you’ll be assured that you won’t incur any additional expenses in the event of disruptions to your travel plans.

When it comes to retail insurance benefits, cardholders can benefit from the following:

• Mobile device insurance: Up to $1,000 in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.†
• Purchase security: You’ll be protected if an item is stolen or damaged within 90 days of purchase.†
• Extended warranty protection: If you purchase an item that comes with a manufacturer’s warranty, you’ll receive double the warranty up to a maximum of 12 additional months.†

Of these, mobile device insurance and extended warranty protection can be particularly useful if something happens to an eligible product purchased on the card.

As always, it’s important to read the insurance booklet to fully understand what’s covered and eligibility criteria for your unique situation.

The TD First Class Travel® Visa Infinite* Card is an impressive card that comes with strong travel benefits and competitive earning rates.

If you’re in the market for a new credit card, you should certainly consider the TD First Class Travel® Visa Infinite* Card , especially with its record-high welcome bonus and first-year annual fee rebate.

Be sure to apply and be approved for the card by March 4, 2024, to take advantage of this best-ever offer.

† Terms and conditions apply. Refer to the card issuer’s website for complete, up-to-date information.

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We’re here to help get you through your travel insurance claims.

Travel Insurance Claims

We’ve made a change. Starting on November 16, 2020, Global Excel Management Inc. will be providing claims and emergency assistance services. CanAm Insurance Services (2018) Ltd. will be providing sales and policy changes. To learn more about how these changes may affect you,  check out our FAQ article  today.

Travel Insurance Claims Centre

Whether you need medical attention while away on a trip, or plans change while on your trip due to an unexpected covered cause, TD Insurance is ready to help. That’s why our claims process is easily accessible by offering 24/7 customer support and a step-by-step guide on how to submit your claim. If something does happen while you’re away, it’s important to contact our administrator. In a medical emergency, call our administrator immediately, or as soon as is reasonably possible. A delay could limit the maximum benefit payable under the policy to 80% of eligible medical emergency expenses, to a maximum of $30,000. Please read our instructions below to submit your claim, to appeal a decision and for more information about our TD Travel Insurance Plans.

Ready to make a claim?

Go online or call us.

Start the claim process by visiting the  Online Claims Portal  and complete all steps in the "notify us of a claim" section and attach all required documentation. or TD Insurance Customer? Call our Administrator 24/7 at  1-800-359-6704  toll free from Canada or the U.S. or from other countries by calling collect at + 1-416-977-5040 . TD Credit Card Customer? Call our Administrator 24/7 at  1-866-374-1129  toll free from Canada or the U.S. or from other countries by calling collect at + 1-416-977-4425 . TD Affinity customer? Call our administrator 24/7 at  1-833-962-1140  toll free from Canada or the U.S. or from other countries by calling collect at + 1 519-988-7692 . 

Once you call, a claim form will be sent to you via email or mail. 

When paper claim forms are required for your situation, you may complete and submit the claim form with all required documentation via mail to: Global Excel Management Inc. 73 Queen St. Sherbrooke, QC, J1M 0C9

You may be contacted for additional information that may be necessary as our administrator assesses your claim. While awaiting your claim decision, if you would like to obtain the status of your claim: Visit our  Online Claims Portal Or Contact us by phone TD Insurance Customer? Call our Administrator at  1-800-359-6704  Monday to Friday, from 8 a.m. to 8 p.m., EST TD Credit Card Customer? Call our Administrator at  1-866-374-1129  Monday to Friday, from 8 a.m. to 8 p.m., EST TD Affinity customer? Call our administrator at:  1-833-962-1140  Monday to Friday, from 8 a.m. to 8 p.m., EST

You’ll be notified of our decision by mail or email.

How to appeal a decision

We’re ready to support you through the claims process and beyond. If you’re not satisfied with the outcome of your claim, you may appeal the decision on the Contact Us section of our Online Claims portal page or mail in your forms: Online:  Online Claims Portal Mail: Global Excel Management Inc. 73 Queen Street Sherbrooke, Quebec, J1M 0C9 Residents of Saskatchewan:  If you are a resident of Saskatchewan and would like to contact the Financial and Consumer Affairs Authority, please call  306-787-9006 , email at  [email protected]  or mail FCAA, Suite 601, 1919 Saskatchewan Drive, Regina, Saskatchewan, S4P 4H2.

Looking for more information?

TD Insurance customer? Visit us  here  for more information on travel insurance. TD Credit Card customer? To view your travel insurance policy through your credit card visit,  www.td.com/agreements

Travel with confidence

We’re ready to help when you need us most. So give us a call, and we can answer your questions or walk you through our claims process, so you can get back to enjoying your travels as soon as possible.

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