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Discover your TD First Class Travel® Visa Infinite* Card

To save or print a copy of this guide,  download the PDF Welcome Guide .

Quick Steps for Getting Started

TD Rewards Program

Using Your TD Rewards Points

Your Travel Credit and More Perks

Everyday Convenience

Keeping Your Card Secure

How to make the most of your new TD First Class Travel® Visa Infinite* Card.

Quick steps to getting started and making the most of your card:.

Register for  EasyWeb® Online banking  to access and manage your Account online and sign up for online statements.

Download the TD app to view your Account and bank almost anywhere. Learn more.

Visit My TD Rewards in the TD app or EasyWeb to manage your  TD Rewards Points  and discover  loyalty perks.

Set up your regularly recurring bill payments on your Account to  save time, avoid late fees  and  earn 4 TD Rewards Points  for every $1 charged to your Account 1 .

Learn how to add your Card to  Apple Pay 30 ,  Google Pay TM , 30 or  Samsung Pay 30  to make convenient, everyday payments with just a tap of your phone.

Make your TD First Class Travel Visa Infinite Card the Primary Card for retail apps on your phone 2  to earn  TD Rewards Points on purchases you make through phone apps , like food delivery and transportation.

Your TD Rewards Points

Every eligible purchase you make with your  TD First Class Travel Visa Infinite Card  earns you TD Rewards Points. Your points will never expire as long as your Account is open and in good standing.

The more you use your TD First Class Travel Visa Infinite Card, the more TD Rewards Points you’ll earn!

Earn  8  TD Rewards Points for every $1 in Travel Purchases you make with your Card 3  through  Expedia® For TD 4 .  Learn more.

Earn  6  TD Rewards Points for every $1 in  Grocery  and  Restaurant  Purchases 5  you charge to your Card.

Earn  4  TD Rewards Points for every $1 in regularly recurring  bill payments  you set up on your Card 1 .

Earn  2  TD Rewards Points for every $1 you spend on all other eligible purchases made with your Card 6 .

50% more TD Rewards Points at Starbucks  when you link your card with your Starbucks ® Rewards account. Conditions apply.  Learn more.

Plus, an annual Birthday Bonus of up to 10,000 TD Rewards Points  awarded to your Account every year 7  to wish you a happy birthday!

Earn more TD Rewards Points when you add up to three Additional Cardholders 8  (Additional Card Annual Fees apply) and earn TD Rewards Points every time they use their Cards to make eligible purchases.

Flexible Redemption Options

Visit My TD Rewards in the TD app or EasyWeb to manage your TD Rewards Points and discover loyalty perks.

Go places on points

Make your points go further 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 9  your TD Rewards Points towards your travel purchase right away.

Or Book Any Way 9 : You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.

And under the TD Rewards Program, there are no blackouts 10  or seat restrictions 10 .

Go shopping - treat yourself

Amazon Shop with Points Redeem your TD Rewards Points towards making purchases at Amazon.ca 11 .  Learn more.

Starbucks ® Rewards Link your Card with your Starbucks Rewards account and you can convert your TD Rewards Points into Stars at Starbucks to buy your favourite Starbucks coffee or treat at participating stores using the Starbucks app. Conditions apply. Visit  td.com/starbucksoffer.

Merchandise and Gift cards Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.

Financial Rewards

Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Education Credits from HigherEdPoints:  Redeem TD Rewards Points towards tuition for higher education at over 100 participating institutions – for a student in your life, or yourself.

Your TD First Class Travel® Visa Infinite* Card comes with perks.

$100 Annual TD Travel Credit 12

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.

Enjoy the perks of being a Visa Infinite Cardholder 13

As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The  Visa Infinite Dining Series  serves up culinary explorations with prized chefs and acclaimed wines.

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.

Get exclusive access to tickets for advance screenings and special movie events with the  Visa Infinite Screening Series . Visa Infinite Cardholders can also enjoy presale access, priority access line and exclusive benefits and offers for the Toronto International Film Festival.

Complimentary Visa Infinite Concierge Service 14

On-call 24 hours a day, seven days a week, the Visa Infinite Concierge Service 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. Call toll-free  1-888-853-4458 (from Canada and the U.S.) or 1-630-350-4545 (from outside Canada and the U.S.). Visit  visainfinite.ca  to explore your Visa Infinite Card benefits and opt in to receive the latest offers.

Save on car rentals

Save a minimum of 10% on the lowest available base rates 15 , 16  in Canada and the U.S., and a minimum of 5% on the lowest available base rates 15 , 16  internationally, on qualifying car rentals at participating Avis and Budget locations.

• Avis:  You can reserve your Avis car rental by visiting  avis.com/tdcreditcards . Quote  Avis Worldwide Discount (AWD) #C078400  at time of reservation and charge the full rental to your TD First Class Travel Visa Infinite Card
• Budget:  You can reserve your Budget car rental by visiting  budget.com/tdcreditcards . Quote  Budget Customer Discount (BCD) #A331700  at time of reservation and charge the full rental to your TD First Class Travel Visa Infinite Card

Apply for optional Deluxe TD Auto Club Membership 17

With optional Deluxe or Standard TD Auto Club Membership, know that, in the event of a road emergency, help is just a phone call away. For information and to enroll, call  1-800-245-0297 .

Explore the insurance coverages included with your TD First Class Travel® Visa Infinite* Card

Discover the travel insurance benefits of your credit card when you're ready to travel. Learn about what travel insurance benefits are available on your TD First Class Travel®  Visa Infinite* Card with our  Credit Card Travel Insurance Verification Tool .

Travel Medical Insurance 18

You’re covered without even having to charge the trip to your Card! Your coverage includes:

• Up to $2 million comprehensive emergency medical coverage for when you are travelling outside of your province or territory, whether internationally or within Canada.
• No out-of-pocket costs for eligible emergency medical expenses.
• 24/7 emergency medical assistance.
• Coverage for the first 21 days of your trip if you are under 65 years of age. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip – for longer trips, top-up coverage is available for purchase by calling  1-800-293-4941 .

Trip Cancellation/Trip Interruption Insurance 19

Use your Card and/or TD Rewards Points to cover the full cost of your trip, and you’ll have coverage for:

• Up to $1,500 per insured person to a maximum of $5,000 for all insured persons if you need to cancel your travel plans before you leave because of a covered cause.
• Up to $5,000 per insured person to a maximum of $25,000 for all insured persons per covered trip if you need to come home early due to a covered cause.
• Need additional coverage? You may be eligible to increase your coverage for an additional premium by calling  1-800-293-4941 .

• Common Carrier Travel Accident Insurance 20 You, your spouse and dependent children are insured for up to $500,000 while travelling on a common carrier (such as a bus, ferry, plane or train) whenever you charge the full cost of your transportation to your Card and/or use TD Rewards Points.
• Auto Rental Collision/Loss Damage Insurance 21 Use your Card and/or TD Rewards Points to pay for the full cost of an eligible car rental and get the Collision Damage Waiver (CDW) coverage at no additional cost for up to 48 consecutive days. Please note that some rental agencies may require you to buy CDW coverage from them: contact them before reserving a car to verify their policies.
• Delayed and Lost Baggage Insurance 22 If your baggage is delayed for more than 6 hours, or is lost by a Common Carrier, each insured person has coverage for emergency purchases of essentials, such as clothing and toiletries. Use your Card and/or TD Rewards Points to cover the full cost of the tickets and each insured person is covered up to an overall maximum of $1,000 per trip.
• Mobile Device Insurance 23 Get mobile device protection of up to $1,000 in the event of the loss, theft, accidental damage or mechanical breakdown for eligible mobile devices when you use your Card to pay all of your monthly mobile bill payments and any upfront costs, or charge at least 75% of the purchase price when paying the full cost of your new mobile device up front.

Purchase Security and Extended Warranty Protection 24

You automatically have access to this coverage for eligible items you’ve purchase with your Card:

Repair, replacement, or reimbursement should eligible items be stolen or damaged within 90 days of purchase.

Double your warranty, up to 12 additional months, if the eligible item came with a manufacturer's warranty valid in Canada.

Hotel/Motel Burglary Insurance 23

When you stay at a hotel/motel within Canada or the United States and use your Card and/or TD Rewards Points to cover at least 75% of the total cost of your stay, you will receive up to $2,500 coverage per occurrence for most personal items stolen from your hotel or motel room belonging to the Cardholder on the account and eligible family members travelling with the Cardholder.

Flight/Trip Delay Insurance 25

If your trip is delayed more than four hours, each insured person is covered for up to $500 for reasonable and eligible hotel, motel or restaurant expenses whenever you charge at least 75% of the cost of your transportation to your Card and/or TD Rewards Points.

Be prepared with optional TD Credit Card Payment Protection Plan 26

Optional TD Credit Card Payment Protection Plan insurance products are designed to help you deal with your TD® Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life.

Enroll or learn more at  1-866-315-9069  or  td.com/BP .

Enjoy the convenience of your TD First Class Travel Visa Infinite* Card

Discover all the features that help make using your Card more convenient everyday, from simplifying making purchases, to assistance if you lose your Card.

Help and assistance

If your TD Credit Card is damaged or not working , you can request a replacement Card online through EasyWeb, through the TD app using your mobile device, or by phone at  1-800-983-8472 .

If your TD Credit Card has been lost or stolen , you must immediately report this to us by phone at:  1-800-983-8472 .

Fast, reliable access to cash.  You can ask for an emergency Cash Advance 27  of up to $5,000 in emergency funds (subject to your available credit limit), at over one million ATMs internationally, at all TD Canada Trust branches and at select financial institutions around the world.

Getting information when you need it.  The TD Credit Card Contact Centre can also provide you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.

• Ways to Pay

Save time with Apple Pay, Google Pay TM and/or Samsung Pay

Mobile Wallets are accepted by many shops, restaurants, and retailers, making it a convenient and easy way to pay for everyday purchases with just a tap of your phone 30 .

Tap to pay with Visa

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s fast and more convenient than cash, and your Card never leaves your hand.

Pay online easily and securely

Online buying is evolving so you can pay with fewer clicks. Paying online with your TD Visa Card is easy, smart, and secure. Just click to pay with your TD Visa when you see the Click to Pay icon where Visa is accepted.

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Td green machine® atms.

Access and manage your Card Account at any of our ATMs.

EasyWeb® Online banking

Manage your Card Account easily online.

EasyLine® telephone banking

Give us a call to access or manage your Card Account.

Get secure access to TD’s mobile banking service anywhere you are.

Balance Transfers

Consider consolidating higher-rate non-TD credit card balances you may have to your TD First Class Travel Visa Infinite Card Account through a Balance Transfer 28 .

You can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of a balance transfer.

Visit your TD branch or call  1-800-983-8472 .

Payment Plans

Turn credit card purchases into manageable monthly payments. This convenient feature gives you more control over your budget knowing when these purchases are paid off in full. This can come in handy if you’re planning to buy a new laptop, go on a trip or start a home renovation project. (Conditions apply. Visit  td.com/paymentplans  for details.)

Emergency Travel Assistance Services 29

Help is just a call away with toll-free access to help in the event of a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

• Translation services in the event of an emergency situation.
• Lost document and ticket replacement.
• Emergency Cash Transfer in the event of a theft, loss or emergency – our Administrator can assist you to obtain a Cash Advance, which will be charged to your Account.
• In Canada and the U.S., call 1-866-374-1129 .
• In other countries, call collect 416-977-4425 .

Explore your TD First Class Travel Visa Infinite* Card security and protection

Protecting the security of your Card should always be a priority. That’s why your TD First Class Travel Visa Infinite Card comes with features that help protect you when you shop online and in person.

Security Features

Visa Zero Liability Shop online and in person securely with Visa Zero Liability and be protected, in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your PIN.

Lock or unlock your Card Misplaced your TD Credit Card? Feel more confident by locking your Card in the TD app. When locked, pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers. If you find your Card, it’s just as easy to unlock it.

Shop with confidence with Chip & PIN technology. Chip & PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Keep your Personal Identification Number (PIN) Secure

• Choose a PIN you can remember that's difficult to guess. Don't use a phone number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
• Never let anyone else know or use your PIN or use your Card.
• Make transactions only when and where you feel secure. If in doubt, don’t use your Card.
• Reset your PIN  at a  TD branch  or 24/7 at any TD ATM.

24-hour Fraud Protection

Our enhanced protection measures are part of an industry-wide effort to protect you from the inconvenience of Credit Card fraud. In the event that our advanced fraud prevention system detects unusual activity relating to your Account:

You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you, or an Additional Cardholder, performed a transaction on your TD Credit Card Account.

During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

Your Card may be temporarily blocked until we can contact you for verification.

You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel Visa Infinite Card, or on any Additional Cardholder’s Card on your Account.  Learn more.

More about your TD First Class Travel Visa Infinite* Card

Cardholder agreement.

For information about your Card, please refer to your Cardholder Agreement.

• Cardholder agreement (PDF)
• TD Rewards Program Terms and Conditions (PDF)
• The TD Privacy Policy

See below for information regarding Insurance benefits or the most recent updates to your Insurance benefits.

• Benefit Coverages Guide (PDF)
• Insurance updates (PDF)

Welcome Guide

Save a copy of your guide for reference when you’re offline.

• Welcome guide (PDF)

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Annual interest rates, fees and features are current as of October 30, 2022, unless otherwise indicated and subject to change.

1  Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel Visa Infinite* Account (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $25,000 Cap:  The PAP Rebate is only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). Once the  $25,000 Cap  has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Points that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“ Standard Rebate ”).  Applicability of PAP Rebate:  The PAP Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

2 The Toronto-Dominion Bank is not responsible for any third party retail apps, including their use and any services or products provided through such apps.

3  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through ExpediaForTD.com or travel made by phone through Expedia® For TD (“ Phone Travel Purchases ”) (“ Online Travel Purchases ”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“ Account ”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4  Expedia For TD is operated by Expedia, Inc. at  ExpediaForTD.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

5  Earn 6 TD Rewards Points (“ Grocery Rebate ”) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases ”) charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and earn 6 TD Rewards Points (“ Restaurant Rebate” ) for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”) charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase or Restaurant Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $25,000 Cap : Each of the Grocery Rebate and the Restaurant Rebate is only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). Once the  $25,000 Cap  has been reached for either Grocery Purchases or Restaurant Purchases, then any further Grocery Purchases and Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes:  To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, or “restaurant” or “fast food” category (MCCs 5411, 5812 and 5814 only). Some merchants may (i) sell groceries or grocery items; (ii) provide restaurant service or sell fast food; or (iii) have separate merchants located on their premises that also sell groceries or grocery items, or provide restaurant service or sell fast food; but may not be classified with a grocery, restaurant or fast food MCC and such Purchases will not earn the Grocery Rebate or Restaurant Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6  Earn 2 TD Rewards Point (“ Standard Rebate ”) on every $1 on all other eligible Purchases (“ Other Purchases ”) charged to your TD First Class Travel® Visa Infinite* Card Account (“ Account ”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7  The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel ® Visa Infinite * Card. Each year, you will receive a TD Rewards Birthday Bonus (“ Birthday Bonus ”) on your TD First Class Travel ® Visa Infinite * Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday.

8  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. A maximum of 3 Additional Cardholders are allowed on the Account.

9  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia® For TD. For travel Purchases charged to your Card that are not booked through Expedia® For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Credit Cardholder Agreement for your Card. We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia® For TD, Cardholder must contact the TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be deducted from the Cardholder’s TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

10  Subject to carrier or space availability.

11  The Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”) is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by [Amazon.com, Inc.]. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

12  In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means: A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia® For TD; or A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

13  You must be an eligible Visa Infinite Cardholder with a valid Canadian-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available online at visainfinite.ca/infinite/terms.jsp The Visa Infinite privacy policy (available online at visainfinite.ca/ infinite/privacy.jsp) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of Cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

14  The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about, and assumes no responsibility or liability for, these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor the Issuer is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite Card.

15  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/ mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

16  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre or mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

17  TD Auto Club is provided by Dominion Automobile Association (2004) Limited, an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

18  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

19  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

20  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

21  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

22  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

23  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

24  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

25  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

26  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

27  Cash Advance is subject to available credit. Fees apply to applicable Cash Advances and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.

28  Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made. See your Cardholder Agreement for complete information on Cash Advances including how we apply your payments and interest to Cash Advances.

29  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

30  Subject to current $250 limit for point-of-sale transactions. Certain transactions may not be completed outside of Canada and in-app availability may be limited. Certain merchants may set their limit under $250. Please check with the merchant about the limit before using Apple Pay, Google Pay or Samsung Pay.

Please visit https://www.apple.com/ca/apple-pay / for a complete list of Apple Pay compatible devices, https://pay.google.com/intl/en_ca/about/ for a complete list of Google Pay compatible devices, and https://www.samsung.com/ca/apps/samsung-pay/ for a complete list of Samsung Pay compatible devices.

All trade-marks are the property of their respective owners.

* Trademark of Visa Int., used under license.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

TM  Android and Google Play are trade-marks of Google Inc.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Google Pay is a trademark of Google LLC

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Open up a world of possibilities, with the TD First Class Travel® Visa Infinite Credit Card, a travel credit card with more rewarding benefits! Collecting points is fast and easy. Earn eight TD Rewards Points for every $1 spent on travel purchases, when you book travel through Expedia® For TD. Earn six TD Rewards Points for every $1 in grocery and restaurant purchases. Setting up regularly recurring bill payments on your account for things like TV or utilities can help save time and avoid late fees, all while earning four TD Rewards Points per one dollar! And earn two TD Rewards Points for every $1 spent on all other purchases made with your card. Plus, each year you'll receive a TD Rewards Birthday Bonus on your TD First Class Travel® Visa Infinite* Account. Because, why not? You're someone worth celebrating! You'll also receive a yearly $100 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD. And when you're ready for a Starbucks fix, earn 50% more TD Rewards Points and 50% more Stars by linking your card with your Starbucks Rewards accounts. And your TD Rewards Points will never expire as long as your account is open and in good standing! Add your spouse or a family member as an additional cardholder to your Account and you'll earn TD Rewards Points on purchases made with their card! Visit My TD Rewards in the TD App or EasyWeb and discover the perks that are available to you. Make your points go further when you redeem through Expedia for TD, or redeem them through My TD Rewards for travel booked with other travel service providers. No blackout periods, or seat restrictions. While you're at it, treat yourself to something special by redeeming your TD Rewards Points for great deals on a wide selection of merchandise and gift cards. Amazon shop with points! Have some online shopping to do? Now you can redeem your TD Rewards Points toward purchases made at Amazon.ca. You'll also benefit from a suite of travel insurance coverages to help you travel with confidence. It includes up to $2 million in emergency medical coverage, when travelling anywhere in Canada and across the globe! You'll also have coverage for: delayed or lost baggage, trip cancellation and interruption, flight or trip delays, hotel or motel room burglaries, and mobile device insurance coverage if your phone is lost, stolen, accidentally damaged or suffers mechanical breakdown. Now what about the stuff you buy using your card? You can shop with confidence, thanks to Visa Zero Liability. It protects you in the event that unauthorized transactions are made on your card. And a few added perks to give you even more when you travel. Enjoy a complimentary Visa Infinite concierge service, ready to help with everything from booking hotel reservations to arranging car rentals to accessing special events. Book through the Visa Infinite Luxury Hotel Collection and get hotel privileges, and access curated dining events through the Visa Infinite Dining Series. So go on and open up a world of possibilities, quite literally, with the TD First Class Travel® Visa Infinite Card.

• Personal Finance

The TD First Class Travel Visa Infinite Card and its travel insurance benefits

Insurance Coverage

First, it is very important to read the most recent version of the TD First Class Travel Visa Infinite Card Benefits Coverage Guide .

They can change at any time and it is your responsibility to be aware of these insurance benefits .

If you have any questions, please contact TD Customer Service at 1-866-374-1129 . It is strongly recommended that you call them before booking travel with your card and before you leave on your trip.

Eligibility

Travel insurance coverage is only available to :

• Primary cardholder
• Spouse and dependent children of the primary cardholder
• Additional cardholder
• Spouse and dependent children of the additional holder

In addition, the card account must be in good standing . This means:

• The Primary Cardholder has not asked TD to close the Account
• TD has not suspended and revoked credit privileges or closed the account

Eligibility Tool

To make it easier to understand the insurance coverage of its credit cards, TD has put together an interactive tool on travel insurance . In 6 questions, you can quickly find out if you qualify or not, when you pay in full for the trip in cash.

TD First Class Travel Visa Infinite Card Description

Travel medical insurance.

The maximum benefit for emergency medical care is $2,000,000. To be eligible, you only need to have the card, as per the Eligibility section above. This includes the following inclusions:

• Hospitalization
• Physician’s fees
• Private nursing
• Diagnostic services
• Ambulance and air ambulance services
• Prescription drugs
• Accidental dental and emergency relief of dental pain
• Medical Appliances
• Emergency return home
• Transportation to the bedside and compensation for the bedside companion
• Compensation for the travel companion
• Meals and accommodation
• Incidental hospital expenses
• Vehicle return
• Repatriation of deceased
• Baggage return

Trip cancellation and trip interruption insurance

To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card and/or TD Rewards points.

A trip cancellation occurs before departure .

A trip interruption occurs on or after the departure date when the trip has begun .

Eligible reasons may be:

• The death of an insured person or an immediate family member
• A sudden, unexpected illness or accidental injury to a person or a member of his or her immediate family
• A natural disaster at the insured person’s principal residence
• Weather conditions during the trip

Common Carrier Travel Accident Insurance

To be eligible for this insurance, you must:

• Privileges under your account have not ceased or been suspended
• The account is not more than 90 days past due
• And the TD credit card must be in good standing

A common carrier is a land, air or water conveyance that is authorized to carry passengers for compensation. This can be a :

• Ferry or Cruise ship
• Bus or Train
• Cab or Limousine

If there is an accidental death or dismemberment, the maximum benefit is $500,000 .

Delayed and Lost Baggage Insurance

In order to benefit from this insurance, the credit card must have been used to pay 100% of the airfare .

Flight and travel delay insurance

To benefit from this insurance, at least 75% of the cost of your trip must be charged to the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card .

The reason for the delay may be due to weather, an outage or a strike for example.

This flight or travel delay insurance can be up to $500 , for a delay of 4 hours or more .

Hotel/Motel Burglary Insurance

This is for hotel and motel reservations in Canada and the United States only. At least 75% of the total cost of the stay must be charged to the card. The use of TD Rewards points is also valid under certain conditions.

The maximum amount is $2,500 .

Collision and damage insurance for rental vehicles

• Pay for the car rental at the rental agency with the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card MD (payment with TD Rewards points is accepted, under certain conditions).
• Refuse to purchase the Collision Damage Waiver (CDW ) or an equivalent coverage from the rental agency and have it written into the contract

The car rental covers up to 48 consecutive days and the manufacturer’s suggested retail price (MSRP) of the car must be under $65,000 . Some types of vehicles are not insured.

Purchase Assurance and Extended Warranty Protection

Purchase insurance covers items purchased with the ® Visa Infinite* Card" href="https://milesopedia.com/en/credit-cards/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card for 90 days from the date of purchase . If the item is lost, stolen or damaged, it will be replaced or repaired with this insurance.

Extended warranty protection extends the manufacturer’s warranty up to one year . It begins after the manufacturer’s warranty expires and the item must be purchased with the Card.

Mobile Device Insurance

Did your new smartphone or tablet have a major accident and stop working? Mobile device insurance can come to the rescue, up to a maximum of $1,000 in reimbursement!

To qualify, at least 75% of the total cost of the device must be charged to the TD First Class Travel Visa Infinite Card. Under certain conditions, insurance is also eligible if the total cost of the device is financed through a plan with monthly payments .

Emergency travel assistance services

It is not really an insurance, but rather a help to solve a problem during a trip in unknown land. They do not offer payment or refunds. They are more of a medical second opinion or will tell you what to do if you don’t know what to do when you are in total panic.

The phone number is 1-800-871-8334 for Canada or the United States. Or if you are in another country: 1-416-977-8297 (collect).

This phone line can be useful for the following situations:

• Medical consultation and follow-up
• Medical emergency travel and medical referrals
• Payment to medical service providers
• Assistance in case of lost luggage
• Legal assistance
• Replacement of lost tickets and documents
• Translation Services
• Emergency transfer of funds

What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card

You must call 1-866-374-1129 , within the time frame following the date the event occurred.

In summary, here are the various insurance coverages of the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card :

Bottom Line

In addition to all this insurance to prevent inconvenience, the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card has a very profitable welcome offer from TD Bank .

With all these points, you can afford to get a stay that will not cost much. This is in addition to his annual TD Travel Credit of $100 for Expedia for TD bookings of $500 or more.

To save on travel and insurance, this is a secret card to have in your wallet!

All posts by Caroline Tremblay

Suggested Reading

• Credit Cards
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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.

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

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

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

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Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

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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 First Class Travel Visa Infinite Card Review

More and more Canadians are looking forward to international travel in the near future - about 78% . That means more people are looking for the best way to earn rewards during and for their future travel. And the TD First Class Travel VISA Infinite Card is one of the best. 

Combining a truly stunning array of intro offers and ways to earn points things add up fast to save you money. It also provides many bonuses like travel insurance and car rental insurance - not every card provides that! So, with that in mind, keep reading to learn all the great details about this awesome card. 

Disclaimer: The content in this article or page is for informational purposes only. While we only conduct the most thorough research and evaluations, and update our content continuously, we cannot guarantee 100% accuracy of the details shown.  Users may choose to visit the actual company website for more information.

TD First Class Travel Visa Infinite Card Benefits

Td first class travel visa infinite card login, td first class travel visa infinite card car rental insurance, td first class travel visa infinite card travel insurance.

This card is full of benefits that are perfect for those of you who love to travel - or even just love to earn points to redeem on various items and events. The hefty annual fee ($599) will net you up to $2,400 in value just from limited-time offers and even more from your daily spending habits. 

Limited Bonus Offers

Currently, there are great limited-time offers that can net you extra points just for signing up and spending (like you normally do!). Let's check out what you can earn if you sign up by December 5th. 

First, you can receive a Buddy Pass if you spend $1,000 within the first 90 days of opening your new account. This means that you can add a second ticket to your ticket when you book an economy flight - for free! It's eligible for use anywhere in North America that Air Canada flies, including Mexico. 

Second, you get a welcome bonus just for making your first purchase. Get 20,000 points worth around $400 for doing practically nothing! You can earn another 45,000 points if you spend $1000 within the first 90 days, too. 

Finally, you get great bonuses like free first checked bags for up to two travellers. You also will gain access to the Maple Leaf Lounges, which have a value of $550. 

Earn Aeroplan Points

It's pretty easy to get Aeroplan points, all you have to do is spend the money you normally do on the card. You get 1.25 points for every $1 you spend - but there are ways to earn even more.

Since this is a travel card, you can expect to earn two points for every $1 you spend on purchases made with Air Canada. And you can expect to earn 1.5 points for every other travel-related purchase you make like gas, groceries, and dining out. 

Limited time offers are fairly common. Currently, a promotion at Starbucks earns you 2.25 points for every $1 spent at a location. And you can earn double the points by shopping with Aeroplan  partner brands  or through the e-store. 

Spend Your Aeroplan Points 

Of course, what really matters is how you get to spend these awesome points you've accumulated. And that's why TD bank gives you tons of options to choose from. 

One of the best ways to spend your points is directly with Air Canada. Every single seat that's currently available for you to book is also available to book with points - there aren't any blackout dates or restrictions. 

You can combine a free flight with points with hotels and car rentals that you can also buy with points - essentially, you can get your whole vacation just through the use of points. But if you're not someone who travels frequently you may want to use your points elsewhere. That's why you can use your points for a variety of other pursuits such as merchandise, events, and gift certificates.

When you're ready to choose the TD First Class Travel VISA Infinite card, the process is simple. Simply create an account and log in . Once you have completed that process you can apply for the card. 

It's a good idea to understand the timeline of the application period and prepare. This way, you can be eligible for various limited-time offers. If you own a business, then it might be a good idea to look at the Aeroplan Business VISA too! 

A true bonus that the TD First Class card has is their car rental insurance. With up to 48 days of coverage available, you're protected in the event of a problem on the road. Nothing is more likely to mess up a vacation, so it's good to have coverage. 

One of the biggest reasons for investing in a travel credit card is in order to have all of your travel needs taken care of. Your flights and hotel bookings are all managed as are your car rentals with insurance. But some cards also offer travel insurance, and this card has one of the most robust packages on the market. Let's take a look!

Keep in mind, if you aren't someone who travels frequently then these bonuses may not be ideal for your situation. It might be a good idea to check out some other cards like those by Capital One Canada . 

Travel Medical Insurance

No need to buy a separate policy for your international expeditions, travel medical insurance is covered under this card. You can expect up to 5 million in coverage for your first 31 days of your trip unless you are 65+ in which case you are covered for the first 4 days. You can also add additional coverage to your policy if you so desire. 

Trip Cancellation/Trip Interruption Insurance

It's already bad enough when your trip is cancelled for various reasons or interrupted mid-way through. It's even worse when you lose thousands of dollars in non-refundable bookings. That's where this insurance comes in. 

With a maximum of $5,000 for all insured persons under the policy, you can cover trip cancellations and interruptions to help ease the burden. Trip interruption is covered up to $25,000. 

Flight/Trip Delay Insurance

While more commonly found on regular travel cards, it is no less welcome on this one. However, it has an even nicer policy than most - expect to be covered if your trip is delayed by more than just four hours! And you can gain up to $1,000 in compensation for the hassle. 

Delayed and Lost Baggage Insurance

The stress of delayed or lost baggage is common among travellers and it's important to be prepared for this eventuality. There's nothing worse than having to waste your first day in a new location searching for new clothing - and even worse when it's not covered. 

Luckily, this card provides a robust amount of coverage for delayed baggage at up to $1,000 if the delay has been for longer than four hours. Lost baggage is compensated up to $2,500 for every insured person. This money is meant to be used towards replacing the belongings that have been lost or delayed like clothing and toiletries - the essentials. 

Common Carrier Travel Accident Insurance

A rather unusual inclusion in a travel insurance plan, common carrier insurance is very useful. A common carrier is public transportation like buses, ferries, trains, plains, and even auto rentals. Losses on these types of transportation are covered up to $500,000. 

Hotel/Motel Burglary Insurance 

You no longer have to worry about unfortunate incidents while travelling as motel and burglary insurance is included with this card too! You can expect to have stolen personal effects reimbursed for up to $2,500 per person per situation. It also extends to certain family members who are travelling with you, the cardholder. 

NEXUS Rebate 

NEXUS is a program you can join in order to cross borders more quickly between the US and Canada. And with this card, you can expect the application fee to be refunded through rebate every 48 months when you seek to enroll. This can have a value of up to $100 as other cardholders can join in. 

Emergency Travel Assistance Services

When something goes wrong it's always nice to have another voice of reason, especially if it's someone who has experience with travel emergencies. This card comes with access to a toll-free number that can have you connected to someone who can help you with your personal travel emergency. 

The Review 

Now it's clear that the TD First Class Travel VISA Infinite Card is well worth your application. With this in mind, you may be wondering how you can earn rewards and save money in other areas of your life. 

Enter Insurdinary, a company whose entire agenda is to help you cut costs. Here, you can compare various mortgage and loan companies and their rates in order to find the best prices and benefits for you. Check out Insurdinary today, and ask for a quick quote ! 

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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

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Sign-in using your existing TD online banking credentials.

The expedia for td program.

It's easier than ever for TD Travel or Rewards credit card holders to find and book their dream vacation on Expedia For TD.

The best part? Not only do you have the flexibility to use your TD Rewards Points to pay for all or part of your trip, but eligible TD credit cards can also earn up to 9 points for every $1 spent on travel purchases 1.

TD First Class Travel Visa Infinite * 

• 8 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/ Phone) 1
• Annual $100 TD Travel Credit on your first Eligible Travel Credit purchase of $500 that is made with Expedia For TD 2
• Birthday Bonus - earn up to 10K bonus TD Rewards Points a year (up to $50 value on Expedia For TD) 3,4
• Comprehensive Travel insurance coverage 4

TD Platinum Travel Visa *

• 6 TD Rewards Points per $1 spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car Rental Discounts 5,6,7

TD Rewards Visa *  

• 4 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car rental discounts 5,6,7

TD Business Travel Visa *  

• 9 TD Rewards Points per $1 when you book travel online, or 6 Points per $1 Spent on travel made by phone through Expedia For TD 1

Not only does Expedia For TD provide you with exclusive deals on travel , but y ou r TD points are worth more when redeeming them and you can earn TD points faster when purchasing travel with your TD credit card. 1,9  

Explore with Options

A flight to Las Vegas? How about an all-inclusive stay at a Cancun resort? A house in Banff for a ski trip? All of these are available on Expedia For TD.

No restrictions on adventure

We don't have black-out dates or seat restrictions on flights, 8  which means you're free to book anytime you want.

Redeem and earn points on:

• Flights and packages
• Hotels, vacation rentals, car rental
• Activities and cruises

And you’ll have access to Expedia benefits

Expedia’s Price Guarantee

Find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in and Expedia will refund the difference. Sign in to find out more.

Save on hotels

Exclusive offers and deals, including up to 20% off hotel stays

Fulltime support

A dedicated customer service team available 24/7 at 1-877-222-6492

How it works

Paying with TD points                        .

It’s easy to shop for travel: Find your ideal trip and pay with your TD Travel or Rewards Credit Card at checkout. On the billing page, select the amount of TD points you wish to redeem.                                                                          

200 TD Rewards Points = $1                            .            .

Every 200 points are worth $1 off travel purchases on Expedia For TD. Redemptions are made in 200-point increments, and travelers need a minimum of 200 points to make a redemption.

Use points for all or part of your trip

For example, if your trip costs $1000, use 120,000 Rewards Points (worth $600). Pay the remainder with your TD credit card and earn up to additional 8 points for every $1 spent 1,9 . That is up to 32k additional points!

Automatic credit for points redeemed

When you purchase travel using TD Rewards Points your TD credit card will be charged the full amount. The dollar value of points redeemed will be credited to your account in 3-5 business days.

Already an eligible TD cardholder?

Use your existing TD online banking credentials to sign in to Expedia For TD and find your perfect trip Sign In

Earn TD Rewards Points on bookings made with your TD Travel Rewards Credit Card and pay with points by redeeming TD Rewards Points towards all or part of your trip. Sign In

Pay for travel and everyday items with your TD Travel Credit Card to earn TD Reward Points. When you're ready, you can redeem TD points to pay for all or part of your trip.

Looking to become a TD travel cardholder?

Learn more about TD’s travel credit cards and choose the one that best matches your spending habits and travel style.

1 TD First Class Travel Cardholders earn eight TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Cardholders earn six TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Cardholders earn four TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

  2 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:    • A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD;    • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking.   See your TD Rewards Program Terms and Conditions for more details.  

3 Each year, receive a TD Rewards Birthday Bonus (“Birthday Bonus”) equal to 10% of the TD Rewards Points earned while using the TD First Class Travel® Visa Infinite* over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday. Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards the Birthday Bonus. 

4 Insurance coverages are subject to conditions, limitations and exclusions. For more information, (including information on the insurer and/or administrator) please refer to the Certificate of Insurance included with your TD Credit Cardholder Agreement.

5 Rate displayed by Expedia For TD reflects the discounted offer.  No discount code needs to be applied. 

6 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code  and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

7 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

8 Subject to carrier/space availability.  9 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments. * Trademark of Visa International Service Association; Used under license.

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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…

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TD Travel Medical Insurance with your TD Credit Card

Posted by Maple Miles | Nov 3, 2023 | Travel Tips | 0

I have summarized a few important details as you evaluate whether you need additional emergency medical insurance during your travels.

The following credit cards have the Travel Medical Insurance coverage with TD:

• TD Aeroplan Visa Infinite ( Certificate of Insurance )
• TD First Class Travel Visa Infinite ( Certificate of Insurance )
• TD Cash Back Visa Infinite ( Certificate of Insurance )
• TD Aeroplan Visa Infinite Privilege ( Certificate of Insurance )

The information listed below is my interpretation of the insurance policy.

For other credit card issuers, information about their travel insurance policy is available here:

• American Express Out of Province and Country Emergency Medical Insurance
• BMO Out of Province Emergency Medical Protection Insurance
• CIBC Out of Province Emergency Medical Travel Insurance
• RBC Out of Province Emergency Medical Travel Insurance
• Scotiabank Travel Emergency Medical Insurance
• TD Travel Medical Insurance

Coverage Eligibility

The basic coverage provided for all the listed cards are:

• Coverage is provided to the cardholder, cardholder’s spouse, and cardholder’s dependent children.
• Coverage is limited to $2,000,000.
• The dependent children do not need to be traveling with the cardholder or the cardholder’s spouse.
• Additional cardholders are covered as well.

Exclusions of Basic Coverage

Important Exclusions:

• Pre-existing medical conditions need to be stable at least 90 days prior to your trip departure date, for those under 65, or 180 days, for those 65 or older.
• Scuba diving (unless you have a designation), motorized race, motorized speed contest, bungee jumping, parachuting, rock climbing, mountain climbing, hang-gliding or skydiving, amongst other sports and high risk activities.

Coverage Benefits

Differences between cards.

The major difference between the credit cards is what is the age group that is covered by the insurance and how long they are covered for.

One unique situation about the TD credit cards are that the benefits are extended to the dependent children and spouse, and even additional cardholders, even if they are not traveling with the cardholder.

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Hello Hello, this is Moli! Welcome to Maple Miles. A tech professional on a weekday, and a global traveler outside of work. I manage my entire family's travel, connecting us across the globe, between Canada (Vancouver is home, for now), India and whatever country comes in between. I love water, so you might always find me either dreaming of a beach, or actually at a beach in my free time.

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The best travel insurance credit cards in Canada for 2024

Searching for the perfect card? Compare your options with our interactive tool, and filter results based on rewards value, annual fees, income requirements, and more.

Travel medical emergency insurance for trips up to 60 days with insurance options also available for seniors (rare among travel cards).

Travel insurance for trips up to 25 days. Plus receive airport lounge and noforex perks. Receive $50 gift card upon approval with Ratehub.ca.

Among the few no fee credit cards to offer comprehensive travel insurance (for trips of up to 10 days).

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers.  Learn more about our advertising and trusted partners .

Canada’s best credit cards for travel insurance

By Keph Senett on April 12, 2024 Estimated reading time: 5 minutes

If you’re planning to travel this summer, you’ll need travel insurance if you plan to go out of province. These days, many of the credit cards available include some kind of travel insurance. While that’s a great selling feature for these cards, savvy Canadians know that not all insurance is created equal. There are a few kinds of coverage you actually  need  when travelling, like emergency medical and trip cancellation or interruption. Theft or baggage loss protection is a useful bonus, too.

As to which  travel credit card  offers the right combination of features for you, that will depend largely on the type of traveller you are and the perks you’re most likely to use. But first…

Travel insurance on credit cards: How does it work?

Every insurance package is tailored to a specific card and program but in general, the process is simple. You’ll usually have to book your travel on that credit card but different cards have different rules. For example, some say you need to book 100% of your trip on the card while others don’t have that stipulation. Read your documents to determine your responsibilities. Once you book, you’ll automatically have access to the included coverage. You don’t have to notify the credit card company that you’re traveling or call to activate the coverage. That said, we always recommend that you read the documentation from your credit card company. 

Best no fee card for travel insurance 

At a glance: If you want a travel insurance credit card without committing to an annual fee, check out the Rogers Red World Elite Mastercard. Not only does this no-fee card include valuable travel and rental car insurance with perks like free Boingo Wi-Fi and access to airport lounges, it’s also a cash back card. This means that for every $1 you spend on the card you’ll get back 1.5% (or 2% if you’re a Rogers, Fido or Shaw customer).

Rogers Red World Elite Mastercard

• Annual fee:  $0
• Earn rate:  1.5% cash back on all purchases, or 2% back for Rogers, Fido and Shaw customers; 3% cash back on all purchases in U SD
• Welcome bonus: You can This card does not have a welcome bonus at this time.
• Annual income requirement:  Personal income of $80,000 or household income of $150,000
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

Best travel insurance card for lounge access

It would be hard to overstate the perks of lounge access. When you use this card for your travel expenses, you get just that: a worry-free haven. The Scotiabank Passport Travel Visa is a top-notch travel card in its own right, offering a solid suite of travel and car rental insurance coverage. Those under 65 get up to 25 days of travel medical insurance, which is impressive compared to other cards on this list. If you’re aged 65 or older though, you are only covered for three days. The card also boasts coverage for trip cancellation, flight delays, lost baggage, rental car collision/ damage, accident insurance and more.

Scotiabank Passport Visa Infinite

• Annual fee: $150
• Earn rate : 3 Scene+ points per $1 spent at Sobeys stores; 2 points per $1 on groceries, dining, entertainment and transit; 1 point per $1 on everything else. Plus, pay no FX fees
• Welcome offer: earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived. Offer ends July 1, 2024.
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 Scene+ point = $0.01 when redeemed for travel, store purchases and food and drink at Cineplex and Scene partners
• Recommended credit score   for approval : 700 or higher

Best travel credit card for medical insurance

At a glance: Canadians are privileged when it comes to healthcare, so it’s no surprise we want to travel with robust medical insurance. While many credit cards offer medical coverage of up to $1 million, the Ascend World Elite Mastercard doubles that , offering $5 million in coverage for up to 21 days of travel—on unlimited trips per year. You’ll also get travel accident insurance, which covers you and your spouse and dependants for up to $500,000 on passenger plans, busses, taxis, trains and cruise ships.

BMO Ascend World Elite Mastercard

• Earn rates: 5 points per $1 spent on eligible travel purchases; 3 points per $1 on dining, entertainment, and recurring bill payments; 1 point per $1 on everything else
• Welcome bonus: You can earn up to 100,000 points
• Annual income requirement: Personal income of $80,000 or household income of $150,000
• Points values: 1 BMO Rewards point = $0.0067 when redeemed for travel
• Interest rates: 20.99% on purchases, 23.99% on cash advances, 23.99% on balance transfers

Another perk offered by the BMO Ascend: You get delayed and loss baggage insurance. So you’ll be reimbursed up to $500 per insured person if your bags are lost or damaged. And if your checked bags are delayed more than 6 hours, you’ll get $500 to purchase essentials, too. Coverage for you and your family to the tune of $5 million provides a lot of peace of mind, while a free lounge membership in Mastercard Travel Pass, provided by DragonPass, plus four free passes a year, gives you literal peace when travelling. Cardholders earn BMO Rewards points when using the card, which can be applied to travel, merchandise, cash redemption and even a contribution to a BMO investment account.

Best travel card for snowbirds and other seniors

At a glance: Canadians work hard all their lives, often with the idea that they’ll travel once in retirement or semi-retirement. The thing is, many insurance companies radically increase premiums or even refuse coverage to older applicants. Travellers with the National Bank World Elite Mastercard in their wallet have 15 days of emergency travel insurance included, even if they’re over 65 years old. The card’s inventive travel fee reimbursements system can cover you for travel-related costs like airport parking, seat selection, and checked baggage fees. 

National Bank World Elite Mastercard

• Annual fee:  $150
• Earn rate: 5 points per $1 on grocery and restaurant purchases; 2 points per $1 on gas, EV charges, recurring bill payments and travel booked through À La Carte Rewards; and 1 point per $1 on all other purchases.
• Welcome offer:  You can earn up to 40,000 rewards points. Must apply by August 15, 2024.
• Recommended credit score: 760 or higher
• Interest rates:  20.99% on purchases, 22.49% on cash advances, 22.49% on balance transfers

Best for travel insurance for road trips 

At a glance: Many travel credit cards focus on air travel but for the road trippers among us, we’ve selected the BMO CashBack World Elite Mastercard. Cardmembers are covered by the BMO World Elite Total Travel and Medical Protection package, which includes collision damage waiver benefits on rental cars and eight days of out-of-province and out-of-country emergency medical benefits up to $5 million. Plus, it includes a free, basic membership in the Dominion Automobile Association and the benefits of its BMO Roadside Assistance Program.

BMO CashBack World Elite Mastercard

• Annual fee:   $120
• Earn rate:  5% cash back on groceries, 4% back on transit, 3% back on gas and electric vehicle charging, 2% on recurring bill payments, and 1% back on everything else
• Welcome bonus:  You can earn up to 10% cash back in your first 3 months and the $120 annual fee waived in your first anniversary
• Additional benefits : Complimentary Roadside Assistance Program; BMO World Elite Total Travel and Medical Protection; 25% off at National and Alamo for car rentals; and Mastercard Travel Rewards program.

Best travel credit card with trip cancellation insurance

At a glance: Trip cancellation insurance is more important than ever since the pandemic started. Our pick for the best travel insurance credit card with trip cancellation insurance is the TD First Class Travel Visa Infinite, which offers up to $1,500 per person. This, along with the included medical insurance, common carrier travel accident protection, delayed or lost baggage coverage, and travel assistance, should help you rest easy as you plan your travel.

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).
• 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

More of Canada’s best  credit cards :

• Canada’s best credit cards
• Canada’s best credit cards for gas
• Canada’s best credit cards for grocery purchases
• Canada’s 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.

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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.

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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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Introduction to HTH Worldwide Travel Insurance

• Plans Available
• How to Purchase and Manage Your Policy

HTH Worldwide Customer Service and Support Experience

Compare hth worldwide travel insurance.

• Why You Should Trust Us

HTH Worldwide Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

No one likes to think about what could go wrong on vacation, but the truth is that anything can happen. That's why travel insurance is so important — it can help you recover from any unexpected emergencies that may occur while you're away from home.

If you're looking for a reputable travel insurance company, HTH Worldwide Travel Insurance is a great option. It's been in business for over 20 years and offers three different travel insurance plans. Whether you need basic coverage or more comprehensive protection, HTH Worldwide likely has a plan that will suit your needs.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Three plans to choose from
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Reasonable premiums
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. CFAR coverage available with some plans
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High medical emergency and evacuation coverage
• con icon Two crossed lines that form an 'X'. Special coverages for pets, sports equipment, etc not available
• con icon Two crossed lines that form an 'X'. Limited reviews with complaints about claims not being paid
• Trip cancellation of up to $5,000 with the Economy plan and up to $50,000 with the Preferred plan
• Cancel for any reason insurance and missed connection insurance available with the Preferred plan
• Baggage delay insurance starting after 24 or 12 hours depending on the plan

HTH Worldwide is a travel insurance company owned and operated by Worldwide Insurance Services, which also operates GeoBlue Travel Insurance . In fact, many of the policies listed on HTH Worldwide's website are actually provided by GeoBlue, specifically its travel medical insurance . While we'll talk about those policies here, you can find more details in our GeoBlue review . 

HTH Worldwide's stand-alone products are its TripProtector trip cancellation policies. These offer comprehensive protection with relatively low premiums compared to many of its competitors. In fact, HTH Worldwide is among the companies included in our picks for the best cheap travel insurance . 

That said, with the premiums you're paying, you'll encounter some concessions. For one, HTH Worldwide's coverage limits are far below that of many of the best travel insurance companies, particularly when it comes to trip cancellation limits, which start at $5,000 per person for its Economy plan. 

Types of Policies Offered by HTH Worldwide

HTH Worldwide offers three primary plans: TripProtector Economy, Classic, and Preferred. Each plan has different coverage levels and features, so you can choose the one that best fits your needs. But they'll all cover (up to a specified amount) things like trip cancellation and interruption, emergency medical expenses, lost or delayed luggage, and more.

One important note, though, is that the TripProtector Economy plan is not available for trips where the per-person cost is greater than $5,000.

Below you'll find the per-person coverage limits of HTH Worldwide's three travel insurance plans:

These policies also include 24-hour emergency hotline service, an online database to search for doctors while you're traveling, a medical term translation database, and health and security news alerts.

Additional Coverage Options from HTH Worldwide

In addition to the three primary plans, HTH Worldwide also offers the following two plans, through GeoBlue, for travelers only looking for travel medical coverage:

• Single-trip option for travelers with primary health insurance:  HTH Worldwide provides a short-term international medical plan for those who have other travel insurance but need travel medical coverage. It covers pre-existing conditions and medical evacuation costs, with maximum benefit amounts ranging from $50,000 to $1 million and deductibles from $0 to $500.
• Single-trip option for travelers without primary health insurance:  This plan for travelers who don't have primary health insurance has maximum benefit amounts ranging from $50,000 to $1 million and deductibles ranging from $0 to $500. It covers pre-existing conditions for medical evacuation.
• Multi-trip option:  This annual travel insurance plan is for people who are taking multiple sub-70-day trips within a 12-month period.

The following two plans listed on HTH Worldwide's website, also supplied by GeoBlue, are designed for people who live or work outside their home country:

• Xplorer plan: This plan is for individuals and families who intend to be outside their home country for more than three months per year.
• Navigator plan: This plan is specifically for students, faculty, mission, and maritime crews who will be outside of their home country for more than three months during the year.

Like other travel insurance providers, HTH Worldwide offers additional coverages that can be purchased along with the primary policy. These add-ons are only available for a Preferred plan, not an Economy or Classic plan.

The add-ons include:

• Cancel for any reason (CFAR): Will pay 75% of any prepaid trip expenses. You must purchase coverage within 21 days of your first trip deposit, and the trip must be canceled at least two days before your scheduled departure. This add-on is only available for TripProtector Preferred.
• Collision Damage Waiver (CDW):  Coverage for your rental car in the event of damage due to crash, theft, vandalism, windstorm, fire, hail, flood, or any cause beyond your control. (Not available in NY, OR, or TX.)

HTH Worldwide Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for HTH Worldwide plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate HTH Worldwide coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• TripProtector Economy: $93.16
• TripProtector Classic: $115.56
• TripProtector Preferred: $156.20

Premiums for HTH Worldwide plans are between 3.1% and 5.2% of the trip's cost, well within the average cost of travel insurance.

HTH Worldwide provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• TripProtector Economy: $121.41
• TripProtector Classic: $149.43
• TripProtector Preferred: $200.75

Once again, premiums for HTH Worldwide plans are between 3% and 5% of the trip's cost, within and below the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• TripProtector Economy: $610.74
• TripProtector Classic: $743.15
• TripProtector Preferred: $995.04

HTH Worldwide plans cost between 3% and 5% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• TripProtector Economy: $324.95
• TripProtector Classic: $389.12
• TripProtector Preferred: $474.12

Premiums for HTH Worldwide plans for older-age travelers are between 5.4% and 7.9%, which is well within the average cost for travel insurance. While it's certainly more expensive than coverage for younger travelers, it's on the lower end of what travel insurance companies often quote for older travelers. 

How to Purchase and Manage a HTH Worldwide Policy

It's fast and simple to get a quote from HTH Worldwide. Visit its website and provide basic information about your trip. You'll receive an immediate quotation for the insurance plans available for your journey, so it's simple to compare each one. Make sure you have all of the following information on hand:

• Primary destination
• Age of traveler(s)
• Total trip cost
• Travel dates
• State of residence

If you're buying a trip cancellation policy, you'll be directed to the HTH Worldwide quote page, where you can choose one of three plans. If you're within the specified purchasing window, you'll also be able to add cancel for any reason coverage to the Preferred plan. 

How to File a Claim with HTH Worldwide

For medical claims, you can contact HTH Worldwide by phone at 888-243-2358 or via email at [email protected]. For all other claims, you can call 866-655-3058.

You must notify HTH Worldwide of your claim within seven days of first experiencing the covered loss. You'll also need to provide proof of loss within 90 days after the loss. The company doesn't provide an expected window for response or payment in its terms, but said that a claim usually takes anywhere from 30-45 days to process in response to a review on SquareMouth.

You can find HTH Worldwide's claim forms here .

HTH Worldwide has relatively few customer reviews to speak of. It has an average of 4.24 stars out of five across just under 500 reviews on its SquareMouth page, which comprises the vast majority of online reviews. HTH Worldwide customer reviews were very complimentary about the purchasing experience, saying it was quick.

That said, customers also mentioned that HTH Worldwide is hard to reach for anything — purchasing, traveling, and claims. This can be especially concerning if you're trying to contact the 24/7 hotline while facing an emergency. That said, when customers were able to make contact, they had generally positive things to say about the experience.

One customer getting treated for a medical emergency was given a list of recommended hospitals in their area and HTH Worldwide's connection with GeoBlue meant that some hospitals were able to direct bill instead of the customer paying and getting reimbursed. This created some hoops the customer had to jump through, including obtaining a letter from HTH Worldwide. That said, the customer writes, "The whole thing took less than 30 minutes. With that letter in tow, I was able to be seen, treated and released without payment on my part."

Learn more about HTH Worldwide compares to some of the best travel insurance providers .

HTH Worldwide Travel Insurance vs. Allianz Travel Insurance

If you look at coverage with Allianz Travel Insurance , you'll see that you can select from 10 different insurance plans. Much like HTH Worldwide, Allianz Travel Insurance offers single-trip policies and options for those who plan to be outside the country for longer. And, like with all insurance, the different plans provide varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Compare that to HTH Worldwide's most popular TripProtector Preferred Plan and you'll see that HTH Worldwide's emergency medical coverage limit is substantially higher. But Allianz Travel Insurance's plan has better trip protection coverage limits. The right choice will depend on what coverages are most important to you and your personal situation.

Read our Allianz Travel Insurance review here.

HTH Worldwide Travel Insurance vs. Nationwide Travel Insurance

Amongst insurance providers, Nationwide Travel Insurance is one of the more familiar household names. Much like HTH Worldwide, Nationwide offers straightforward coverage with only two single-trip plans: the Essential Plan and the Prime Plan. Furthermore, Nationwide has designed policies specifically for those taking cruises or who travel frequently throughout the year.

To compare Nationwide and HTH Worldwide, we took a look at both companies' highest-tier plans.

Nationwide's Prime Plan includes coverage for trip cancellation up to $30,000, trip interruption coverage of 200% of the cost of the trip (with a maximum payout of $60,000), missed connection and itinerary change coverage each amounting to $500, per-day trip delay coverage of up to $250 for 6+ hour delays, and emergency medical evacuation with a limit of $1 million in payouts.

In comparison, HTH Worldwide's TripProtector Preferred plan offers trip cancellation coverage up to $50,000, trip interruption coverage 200% of the cost of the trip, coverage for a missed connection of up to $1,000, trip delay coverage up to $2,000, and emergency medical evacuation coverage of up to $1 million.

The two plans are quite similar in many regards. To determine which is best for you, you'll need to compare quotes based on your personal and trip-specific details.

Read our Nationwide Travel Insurance review here.

Compare HTH Worldwide vs. Credit Card Insurance

It's worthwhile to review the insurance coverage offered by your travel credit cards before you buy a separate travel insurance policy. Some essential coverages, like rental car insurance, might already be included with a card you have.

The coverage from your credit card may be enough if, for example, you don't have any non-refundable trip expenses and you're driving to your destination. Another scenario that could suffice is if your health insurance covers you while abroad, you're in decent health, and you aren't too concerned with potential medical costs while traveling.

It's essential to remember that credit card travel protection is usually secondary to the primary coverage you'd get with a travel insurance policy. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

HTH Worldwide Travel Insurance FAQs

HTH Worldwide is known for its strong focus on medical coverage, providing comprehensive support during medical emergencies, including access to a wide network of hospitals and emergency medical assistance.

Yes, HTH Worldwide offers plans that cover travel to high-risk destinations, but it's important to review the specific terms and coverage limitations for such areas.

Pre-existing conditions are covered under HTH Worldwide's Classic and Preferred plans as long as you purchase your policy within 14 and 21 days of your initial trip deposit, respectively. HTH Worldwide TripProtector Economy does not cover pre-existing conditions. 

HTH Worldwidepolicies max out at 90 days. If your trip exceeds this time frame, it's best to look elsewhere for travel insurance. 

HTH Worldwide stands out for its comprehensive coverage at affordable prices. 

Why You Should Trust Us: How We Reviewed HTH Worldwide Travel Insurance

In reviewing HTH Worldwide's travel insurance offerings, we considered things like different types of coverage available, claim limits, what expenses are included, available add-ons, and typical policy costs. We then compared them to similar plans from other top travel insurance companies.

The best policy for you is the one that offers the appropriate amount and type of coverage given your needs and budget. It should also be easy to use in case you ever need to make a claim.

You can read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.