td infinite visa travel insurance policy

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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

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

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

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

TD First Class Travel Visa Infinite Card review

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

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

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

TD First Class Travel Visa Infinite Card

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

The TD First Class Travel Visa Infinite Card

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

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

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

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

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

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

3. The card comes with a generous welcome bonus

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

4. You’ll get great travel insurance

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

How to redeem your TD Points:

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

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

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

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

How to optimize the TD First Class Travel Visa Infinite Card

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

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

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

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

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

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

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

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

Bottom line

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

More on  credit cards :

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

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

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

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

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

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

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

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

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

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

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

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

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Help make trips a little smoother

The TD Insurance Trip Cancellation & Interruption Plan can help provide financial protection for your eligible trip expenses.

TD Insurance Trip Cancellation & Interruption Plan

This plan is ideal for the occasional traveller who doesn’t need medical coverage but wants coverage for eligible travel expenses if your trip is cancelled or interrupted for a covered reason. It also reimburses costs to purchase necessary toiletries in the event that your checked baggage is delayed for a covered reason. It covers a single trip, both in and outside of Canada.

Coverage Highlights

Eligibility

You are eligible to apply for this coverage if you meet the following conditions:

• 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.
• The minimum age of coverage is 15 days old. There is no maximum age limit.
• A maximum of one person can be insured per policy.
• You purchased the policy while in Canada and before you depart on your trip and you purchased your travel arrangements through a supplier of travel services 1 .
• There are certain medical conditions that could make you ineligible for coverage under this plan. 2

Exclusions and Limitations

It’s important to know that benefits will only be paid for eligible expenses and only up to the maximum amount. A complete list of exclusions that apply to your plan will appear in your policy, but here are some examples.

• Pre-existing medical conditions. 3
• Belongings insured under another insurance policy.
• Committing or attempting to commit an illegal or criminal act.
• Loss or damage resulting due to wear and tear.
• Self-inflicted injuries.
• Travel to destinations deemed unsafe and to be avoided by official travel advisories.
• Labour disruptions or strikes.
• The birth of any child during your trip.

Refer to the  Sample Policy  for a full description of eligibility requirements, defined terms, benefits, limitations and exclusions.

Why the Trip Cancellation & Interruption Plan can be a smart choice

You can select the coverage amount

This plan lets you choose – and only pay for – the amount of coverage you select, to a maximum of $25,000.

Submit a travel insurance claim

Start the claims process by visiting our  Online Claims Portal.

Let’s connect

Our administrator is ready to answer your questions and help you on your way.

• For 24/7 emergency assistance:  1-833-962-1140  (Canada and the U.S., toll free) or  +1-519-988-7629  (worldwide, collect)
• For quotes, to purchase a policy or any general inquiries:  1-833-962-1143 Mon-Fri 8am-9pm ET Sat 9am-5pm ET
• For claims:  1-833-962-1140

Explore more TD Insurance Travel Insurance plans

Looking for more options? We offer a range of travel insurance plans.

TD Insurance Trip Cancellation & Interruption Plan is administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. 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). Medical and claims assistance, claims payment and administrative services are provided by the administrator described in the insurance policies. 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. 1. Supplier of Travel Services means a travel agent, a tour operator, a travel wholesaler, an airline, a cruise line, a provider of ground transportation, a provider of travel accommodations who is legally authorized and licensed to sell travel services to the general public. 2. Individuals with the following conditions are ineligible for coverage: travelling against the advice of a physician, have been diagnosed with a terminal illness or metastatic cancer, have kidney disease requiring dialysis or have been prescribed or used home oxygen during the 12 months prior to the date of the application. Please see the Sample Policy for full details on eligibility. 3. This insurance may not cover claims related to Pre-existing medical conditions. Pre-existing medical condition means any sickness, injury or medical condition (other than a minor ailment) that was not stable during the time period specified in the policy. Refer to the Sample Policy to determine how this exclusion may affect your coverage. Mailing Address: TD Life Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2 TD Home and Auto Insurance Company P.O. Box 1 TD Centre Toronto, Ontario M5K 1A2

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TD® Aeroplan® Visa Infinite* Card

Application must be approved by June 3, 2024 to receive this offer

Signup bonus:, annual fee:, interest rates:, earning rate:, perks & benefits:.

The TD ® Aeroplan ® Visa Infinite * Card is an excellent option for all Aeroplan collectors to pick up a hefty chunk of points with a relatively low minimum spending requirement.

Bonuses & Fees

As TD’s mid-tier Aeroplan card, the TD ® Aeroplan ® Visa Infinite * Card is offering a welcome bonus of up to 50,000 Aeroplan points , distributed as follows:

• 10,000 Aeroplan points upon first purchase †
• 20,000 Aeroplan points upon spending $6,000 in the first 180 days of account opening †
• 20,000 Aeroplan points as a one-time anniversary bonus upon spending $10,000 within 12 months of account opening †

The annual fee of $139 isn’t rebated in the first year under the current promotion, nor is it for supplementary cardholders.

By having TD’s All-Inclusive Banking Plan , you’ll be able the waive the annual fee on this card going forward.†

Supplementary cards can be added to your account at an annual cost of $75 per card. †

To be eligible for this offer, you must apply and be approved for the card by June 3, 2024.

Earning Rewards

The TD ® Aeroplan ® Visa Infinite * Card offers 1.5 Aeroplan points † per dollar spent  on eligible gas, grocery, and Air Canada ® purchases, including Air Canada Vacations ® . Meanwhile, you’ll earn 1 Aeroplan point † per dollar spent  on all other purchases.

The earning rates on this card are good, but not extraordinary. It offers a decent return on important categories such as gas and groceries, while also coming with a few Air Canada ® benefits that make it a good staple card to hold.

Redeeming Rewards

Aeroplan remains the program of choice for the vast majority of Canadians aiming to redeem their points for high-value international business class and First Class redemptions.

Redeeming Aeroplan points follows the Aeroplan Flight Reward Chart , and can cost as little as 55,000 points one-way from Vancouver to Tokyo in business class, for example.

From the East Coast, 60,000 Aeroplan points (or often fewer, thanks to Air Canada’s ® preferred pricing benefit if you hold Aeroplan Elite Status or a co-branded credit card ) would unlock a transatlantic flight to most parts of Western Europe.

Closer to home, short-haul flights within North America that are under 500 miles only cost as few as 6,000 Aeroplan points one-way.

Perks & Benefits

The TD ® Aeroplan ® Visa Infinite * Card prides itself upon a strong set of Air Canada ® travel benefits. As a cardholder, you’ll receive:

• Free first checked bag on Air Canada ® flights, for the primary and supplementary cardholders †
• Preferred pricing when redeeming Aeroplan points for Air Canada flights †
• The ability to earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) for every $10,000 you spend on the card †
• Your Aeroplan points won’t expire for as long as you’re a cardholder †

On top of that, a unique perk on this card comes in the form of a $100 (CAD) NEXUS credit † , which is not offered by either CIBC and American Express at this tier. A NEXUS card will make your journey across the US border much smoother.

Insurance Coverage

As a premium travel credit card, the TD® Aeroplan® Visa Infinite * Card comes with an impressive suite of insurance benefits, including:

Travel medical insurance of up to $2,000,000 on the first 21 days of a trip (4 days for cardholders aged 65 and up). †

Trip cancellation/trip interruption:  For trip cancellation, up to $1,500 per person and $5,000 total, which protects against unforeseen factors affecting your trip and for Trip Interruption, up to $5,000 per person and $25,000 total. †

Delayed and lost baggage insurance of up to $1,000 per person towards the purchase of essential items if your baggage is delayed by more than six hours or lost. †

Flight delay insurance of up to $500 if your flight is delayed by more than four hours. †

$500,000 Common Carrier Accident insurance, which protects you in case of a travel-related accident. †

Auto rental collision & loss damage insurance, which can help you save on the insurance fees that car rental companies would otherwise charge for vehicles up to $65,000 MSRP. †

One outstanding feature of the card is that the insurance applies to Aeroplan award tickets when you charge the full taxes and fees of the redemption ticket on your TD ® Aeroplan ® Visa Infinite * Card.

This perk alone means that the TD ® Aeroplan ® Visa Infinite * Card is an excellent card to keep around after you obtain its signup bonus, because the insurance coverage will come in very handy if you travel frequently on Aeroplan awards.

Historical Offers

Legal disclaimers.

†Terms and conditions apply. TD Bank is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

As a Visa Infinite* product, this credit card has a minimum personal annual income requirement of $60,000 or a minimum household income of $100,000. You'll also need to be a Canadian resident and of the age of majority in your province/territory of residence to be eligible. Follow the link below to the TD® website to learn more about this card and submit an application.

50 Comments

Thank you so much for the amazing info! With the welcome bonus, when I spend the first $1,500 in the first 3 months, does the next $7,500 spend requirement for the remaining 20,000 points include the first 3 month spend requirement? Or is it on top? (ie $1,500 + $7,500=$9,000 requirement or just a flat $7,500). Don’t want to overspend for the welcome bonus if I can move onto my next required minimum after a few months 🙂 Thanks!

For the free checked bag, what happens if I book a trip where the first segment is on AC, but the 2nd leg is on a different *A carrier like Lufthansa?

What about when I book an outbound on AC, but the return is on a *A codeshare such as United?

Hello, Can you confirm the process on adding the free checked bag during check-in? I called TD Visa and they told me the fee would be waived when I checked in online (via app or website). I called Air Canada and they told me the fee would need to be waived in person at a counter and cannot be done online. Which is the correct process? Would I be able to check in online with no bags and then go to the counter and add checked bags and get it waived if this needs to be done in person?

I had this exact same question myself before. When doing the online check-in for my flight I saw that the option to add 1 bag showed a $0.00 cost so I didn’t need to bother with checking in at the airport counter. I had to make sure my Aeroplan profile had the TD Visa linked beforehand though.

Does the supplementary card holder get a free checked bag if they are flying alone? Or is it only when flying with the primary card holder?

Is the buddy pass only available with $25k in spending or just with the minimum spend to earn bonus points?

The Buddy Pass is available with the minimum spend. The Annual Worldwide Companion Voucher is something different and is earned upon spending $25K.

There is only the bonus Buddy pass with this card and no annual companion pass, correct?

I see that Nexus pass applications are $50. Since this CC has a NEXUS $100 credit, would I be able to apply for let’s say Global Entry and pay the remainder out of pocket? If I am able to, is it worth doing that? Or is the credit only limited to NEXUS applications only?

I widely use the AmEx Platinum and have been toying with the TD Visa Infinite vs AmEx Cobalt. Does the fact that I already have AmEx disqualify me from the Cobalt Welcome bonus? If yes, then TD is a better option.

Does the insurance on this card cover cancellations for COVID reasons? I’m guessing it does not with the government advisory in place. Any advice on insurance that will?

I’m a bit surprised that for the first time in many years my application was rejected. My credit score is over 800. I haven’t had a TD credit card in over a year. I’m a TD client for other banking services. You had mentioned that they were being stricter lately – any specific idea on what could have driven the rejection? New criteria like “x number of card application in the past y months?”

For those who have this card, how long did it take before you started seeing points on your Aeroplan account? My start date was Aug 1, I’ve already got a statement on Aug 18 that shows points, but on Aeroplan it shows 0pts. I confirmed it is the same Aeroplan number on the statement and website.

Also, do you get the buddy pass after 90 days from sign up, or when you hit your minimum spend? I’m really hoping to convert that buddy pass before Nov 30 deadline.

In the Terms and Conditions, it states “account should be in good standing for 90 days and allow up to 8 weeks” to get the Buddy Pass.

CIBC is easier as it states “after 3 calendar days” – of course, after spending the minimum $1000 within 4 months. Hope this helps.

How does the new SUB (after Aug 16th) compare to the previous one for this card? better or worse? wondering if I should sign up now, or wait for a better deal.

Wow, just applied and for the first time since my student days my application was rejected. I wonder why. I did previously hold a TD Aeroplan card which I cancelled just over a year ago and before the changes to the Aeroplan program and cards. Assume it’s related to my previous card? Hmmm.

TD has been fairly strict on approvals recently, so it may not be due to that. I’d recommend calling in after you receive the letter to see if you can request a review of the application, that’s been successful for me in the past.

I’ll give that a try, thanks Ricky for all that you do.

In regards to the buddy pass: if you decide to keep it, does it expire after a while? Or is it renewed every year? If there is no expiry date, is it possible to convert it to aeroplan points at a later date if you get the card before Aug 16 2021? (Debating on keeping the buddy pass as there is a possibility to go to Mexico in Dec. 2021 for family matters, but I otherwise usually travel solo).

Free bag option is just for counter check-in or I can do online check-in as well? Will online check-in let me add free bags?

Online check-in will let you add free bags. Then you just go drop them off.

If you redeem a flight with aeroplan reward points and use the TD credit card to pay the fees would you still get free checked in baggage or you would have to redeem a flight with free check in baggage for a higher rewards cost?

You’d still get the free checked bag just for being a cardholder. In fact, you don’t even need to use the card to pay for the fees, as the benefit is linked to your Aeroplan account.

Thanks Rick. Do you also know if I book a flight with the first baggage free. Does that mean I get to check 2bags when I combine it with my credit card benefit?

Will I get free bags even if I am booking my Air Canada tickets with another credit card? Or If I have already booked tickets and apply for this card after that?

Yes, as the free checked bags benefit is tied to your Aeroplan account, not the credit card you paid with.

Thank you very much for your quick response.

If I currently have a Scotia Visa passport Infinite card where I received the promo at that time, would I still be able to get the promo points here? I recall seeing that we might not be eligible because it’s in the same card family (even though from different bank) thanks.

A little update on TD policy. I switched to TD Aeroplan VI from TD travel Platinum in Oct 2020, got first transaction bonus after 3 months, and been waiting for the spending bonus. Called twice, first talked with agent- “wait till next statement”. After a month, agent, then manager, informed me that I am not eligible, because I previously have had the card, and I have also received bonus on my TD platinum travel card before I have switched it to current Aeroplan VI. Also I won’t be eligible for future welcome bonus because I already had it in the past and this is for new customers otherwise, quote “everyone could be switching back and forth and get the bonus…”:/ Seems like TD will be much harder to churn now:) Anyone else experienced that?

I can confirm this also, called an told the same. You will get 10,000 points on meeting the minimum spend but that’s it.

If I charged the whole reward ticket using my Aeroplan points would I still be getting the travel insurances & benefits (since I didn’t use/charge any amount with my TD Aeroplan Visa Infinite Card)?

Yes, bookings made entirely with Aeroplan points (but not any other loyalty program) are also covered by this card’s insurance policy.

application declined. 789 transunion score

think I might have a better chance with the Aeroplan Visa Platinum? or a CIBC Aeroplan one?

I had the exact same issue. Did you end up reapplying for this card Richard?

Probably a glitch. You’ll have a better chance calling or going to a branch.

Thanks for the review Ricky! And for the buddy pass conversion tip! You’ve materially impacted my plans for 2022. I know it’s impossible to tell for sure but traditionally are the best sign-up offers made in Q4 and Q1? I’m debating whether I should wait to apply for this card now or after May 2021 (to see if a better offer comes up)

Off the top of my head, TD’s best offers are usually announced in March and September, but it’s always variable. It’s better to develop a sense of historic offers, so you know how each one stacks up and whether you think it’s worth applying. It’s also tough to predict if the new Aeroplan program will impact these patterns.

That said, if you plan on converting the Buddy Pass into points, the current offers are unprecedentedly high!

I want to know if I have to wait 12 months after opening or closing the account to reapply for the card again and be eligible for the sign up bonus.

I opened an TD aeroplan visa infinite Jan 2020 and closed it before the one year anniversary renewal date on Jan 2021 of this year. I also want to to know if I am eligible for the signup bonus if I reapply again. Do I wait 12 months after opening or closing the account?

Is the minimum spending just $1000 during the first three months OR do I need to spend $1000 minimum each month for the each of the first 4 months. The CIBC site states”Then, get 10,000 bonus points when you spend $1,000 or more during the first 4 monthly statement periods.”

Just $1,000 during the first three months (for the TD card). CIBC’s wording is slightly vague, although it’s still just $1,000 during the first four months, not $1,000 every month.

I was wondering if the 100 $ Nexus credit is offered after using either one of both USA and Canada border agencies or only with the Canadian agency.

how do I know I have “Preferred pricing” when I am redeeming Aeroplan reward point when booking a trip?

Compare the pricing you see against the pricing that’s displayed when you aren’t logged in. If it’s lower, then you have preferred pricing.

I just received the new TD Aeroplan Platinum Visa by product switching from the no fee Green card. Can I still apply for the TD Aeroplan Visa Infinite when there’s a better offer if it has been over a year since I last applied for it and 9 months + since I product switched it to the Green no fee card?

In the terms and conditions ” If you have opened an Account in the last 12 months, you will not be eligible for this offer. ” Think it is new (It has been 6 months, as far as I remember) and does not specify the ‘account’. My last Aeroplan Infinite Visa has been openend Aug 2019 and closed in Dec 2019 so it has been opened longer than a year ago. However, I had a TD Travel Reward Ininite Visa (Jun 2020-Sep 2020) lately. Do you think I am eligible for this welcome offer?

Yes, it’s new – it used to be 6 months.

I think you’re eligible as it’s been more than 12 months since you opened the card. The TD Travel Rewards card shouldn’t factor into it.

how long do I need to wait before re-applying for this credit card to get the bonus? I’ve had my existing card for 1+ year and cancelled it today.

I believe 6 months

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