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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.

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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.

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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.

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• TD Platinum Travel Visa Card Review: One of the Best Credit Cards for Expedia Loyalists

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TD Platinum Travel Visa Card Review 2024

Updated: Mar 5, 2024, 12:47pm

The TD Platinum Travel Visa has plenty to offer, like no annual fee the first year, the ability to earn TD Rewards Points on purchases and a generous welcome bonus . However, when you look a little closer, there are some drawbacks, like conditions and caveats aplenty. Still, within the landscape of travel cards , the TD Platinum Travel Visa Card shines, but not nearly as bright as the competition. The main reason? Its affiliation with Expedia, both the card’s greatest strength and, paradoxically, its biggest limitation. That’s because the card’s offers are largely confined to Expedia getaways, demanding loyalty you may not want to give so readily.

• Generous welcome bonus.
• Better rewards program than most TD cards .
• Similarly-priced cards have better travel perks

Table of Contents

Introduction, quick facts, td platinum travel visa* card rewards, td platinum travel visa* card benefits, how the td platinum travel visa* card stacks up, methodology, is the td platinum travel visa* card right for you.

• Advertiser's Disclosure

Featured Partner Offers

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (rebated in the first year, account must approved by June 3, 2024)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

Travel rewards for a low annual fee? Get the TD Platinum Travel Visa Card.

On TD’s Website

• Earn up to $370 in value†, including up to 50,000 TD Rewards Points†. Conditions apply. Account must be approved by September 3, 2024.
• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening†.
• Pay no annual fee for the first year
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn up to 6 TD Rewards Points for every $1 spent on Expedia ®  for TD †  
• Earn 4.5 TD Rewards Points on every $1 you spend at your favourite eateries and grocery stores
• Earn 3 TD Rewards Points for every $1 of your recurring bill payments
• Earn 1.5 TD Rewards Points for every $1 you spend on everything else
• Includes travel insurance coverage
• Benefit from 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)
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

When you think about a credit card that ties its perks to a popular online travel agency, TD Platinum Travel Visa Card immediately comes to mind. It’s almost as if TD had a tête-à-tête with Expedia and, together, they concocted an array of credit card benefits suited for the travel-savvy cardholder. If you’ve got a penchant for frequently booking through Expedia, TD Platinum Travel Visa Card isn’t just an option—it’s one of the best options. The world of travel rewards credit cards is vast, and in that sea TD Platinum Travel Visa stands out like a beacon for travellers anchored to Expedia.

Yet, while this card seems bespoke to a specific audience, what about the travellers who don’t necessarily pledge allegiance to Expedia? Here’s where things get a bit murky.

Do we love the fact that there’s no annual fee for the first year, a juicy introductory perk that could see you pocketing up to 50,000 TD Rewards Points? Absolutely. Is it phenomenal that you can bag 6 TD Rewards Points for every $1 on bookings through Expedia and up to 4.5 TD Rewards Points for every $1 you spend on everything else? Again, a resounding yes.

But, in the larger landscape of travel cards, where some offer travel perks like lounge access or extravagant concierge services, TD’s card feels a tad limited. Avid globe-trotters might find themselves yearning for a few more travel-related luxuries.

Would we recommend the TD Platinum Travel Visa Card? If Expedia is your go-to travel companion, yes, without any hesitation. But if you’re an indiscriminate traveller who casts a wider net to find the best deal, this might not be your catch of the day.

• Annual fee: Waived for the first year, then it’s $89 per year
• Reward rate: Ranging from 1.5 to 6 TD Rewards Points across diverse spend categories
• Flexibility: Points can be used for travel, merchandise or bill payments
• Introduction offer: Up to $370 in value and 50,000 TD Rewards Points, with certain conditions
• Insurance coverage: Comprehensive travel insurance included

Earning Rewards

Jumping into the rewards scene Collecting rewards with the TD Platinum Travel Visa Card can feel like striking gold. Each bite at a restaurant or grocery run puts 4.5 TD Rewards Points in your pocket. Your recurring bills? A nifty 3 points for each $1 you spend. And every other purchase earns you a steady 1.5 points. In the bustling world of reward credit cards, this one can hold its own. Plus, the TD Platinum Travel Visa Card offers a distinct Expedia advantage, turning everyday expenses into potential travel adventures.

Redeeming Rewards

With the TD Platinum Travel Visa Card’, you can convert your hard-earned points into exciting getaways on Expedia, choosing from a plethora of destinations. TD and Expedia have made redeeming points easy, so you can harness the full potential of your rewards on Expedia® For TD. You can also use your accumulated points to splurge on merchandise, even Amazon purchases. Plus, you can use TD Rewards Points to lower your credit card balance. While some cards make you jump through hoops for redemptions, TD’s portal makes redeeming your TD Rewards Points a breeze.

Rewards Potential

Savvy spenders who harness the card’s earning potential could pocket an impressive number of points towards travel, merchandise and more. Based on how Canadians typically spend, Forbes Advisor Canada estimates that cardholders can see an annual return of $312.42 worth of points, with the annual fee factored in, when you book travel with Expedia. When you book travel elsewhere, the annual return drops to $292.82 worth of points, with the annual fee factored in.

• First-year perks: No annual fee and up to 50,000 TD Rewards Points (Up to $370 in value)
• Dine and dash to points: Enjoy 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores
• Expedia euphoria: Be the traveller that gets 6x TD Rewards Points for every $1 you spend on Expedia bookings, ensuring every trip, big or small, becomes a rewarding journey
• Security and peace of mind: Rest easy with comprehensive travel insurance that ensures that your voyages remain hiccup-free

Interest Rates

• Regular APR Min: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 1% ($3.50 minimum and $10 maximum)
• Balance Transfer fee: 3% maximum
• Foreign Transaction Fee: 2.5%
• Annual Fee: $89 (Get an annual fee rebate in the first year; account must be approved by September 3, 2024)
• Over Limit Fee: $29.00
• Late Payment Fee: $0

When evaluating the TD Platinum Travel Visa Card against some of its competitors, namely the TD Aeroplan Visa Platinum , American Express® Aeroplan®* Reserve Card and CIBC Aeroplan Visa Infinite Card, it’s clear that each has its unique strengths. While they may cater to different traveller preferences, from Expedia loyalists to Air Canada aficionados, picking the most suitable one for you depends on your travel habits, reward preferences and fee comfort levels.

TD Platinum Travel Visa Card vs. TD Aeroplan Visa Platinum Card

At face value, both cards come with an identical annual fee and APR, and both are generous with their first-year annual fee rebates. Yet, they’re tailored to different travellers. If Expedia is your go-to for travel bookings, the TD Platinum Travel Visa Card’s 6-point-per-$1 earn rate is unmatched. That said, TD Platinum Travel Visa Card offers a hearty welcome in the form of 50,000 TD Rewards Points, while TD Aeroplan Visa Platinum welcomes new cardholders with a 20,000 Aeroplan Point offer. But here’s the twist: TD Aeroplan Visa Platinum Card’s potential $500 value, along with the versatility of earning points in multiple ways, may out-woo the frequent traveller. However, for the everyday spender leaning into travel, TD Platinum Travel Visa Card’s reward structure, especially with groceries and dining , holds an edge.

TD Platinum Travel Visa Card vs. American Express® Aeroplan®* Reserve Card

When deciding between the TD Platinum Travel Visa Card and American Express Aeroplan Reserve Card, travellers have a lot to unpack. TD Platinum Travel Visa Card offers an attractive welcome bonus and a more affordable annual fee, especially with the first-year waiver. It’s also the perfect choice for dedicated Expedia customers looking to earn more rewards, faster than ever, on their getaways. On the flip side, the American Express Aeroplan Reserve Card offers a superior range of travel benefits, from lounge access to comprehensive insurance. But, with its higher annual fee, it’s geared towards frequent Air Canada travellers who’ll make the most of its perks. For the budget-conscious, TD Platinum Travel Visa Card takes the lead, but American Express Aeroplan Reserve Card is unrivalled when it comes to premium Air Canada perks.

TD Platinum Travel Visa* Card vs. CIBC Aeroplan Visa Infinite Card

Pitting the TD Platinum Travel Visa Card against the CIBC Aeroplan Visa Infinite Card is an exercise in balance. Both cards offer strong travel rewards, but they cater to slightly different demographics. TD Platinum Travel Visa Card, with its Expedia tie-in, is a dream for the site’s loyalists. Its annual fee is also modest, which is appealing for cardholders who balk at high yearly charges. Conversely, the CIBC Aeroplan Visa Infinite Card leans heavily into its Air Canada affiliation, granting perks like free checked bags and priority boarding. The card’s insurance coverage is also commendable. If you’re after broader travel flexibility and a cheaper fee, TD Platinum Travel Visa Card is your go-to. But, for frequent Air Canada flyers, CIBC Aeroplan Visa Infinite Card stands out.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, 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.

In short, the TD Platinum Travel Visa Card is a stellar choice for cardholders who frequently use Expedia. If you’re looking to cash in on a generous welcome bonus without a hefty annual fee, this is the card for you. It’s particularly suited to users who dine out or spend heavily on groceries , given the rewards rate. However, if you’re a travel enthusiast in search of comprehensive travel perks and insurance , you might find other similarly priced cards more appealing. While the TD Platinum offers decent protection features, there are more competitive options out there.

Related: Best Credit Cards To Use in Canada

Advertiser's Disclosure

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

Frequently Asked Questions (FAQs)

Is the first-year annual fee really waived for the td platinum travel visa card.

Yes, as long as you activate your card and make your first purchase within the first three months of opening your account.

How do I earn the maximum welcome bonus for the TD Platinum Travel Visa Card?

To earn up to 50,000 TD Rewards Points, you must be approved by September 3, 2024. Once approved, activate your card and make your first purchase within the first three months. Also, remember to add any additional cardholders by September 4, 2024.

How does the TD Platinum Travel Visa Card's rewards program benefit frequent Expedia customers?

You earn 6 TD Rewards Points for every $1 you spend when you book your travel through Expedia For TD, making it a rewarding choice for cardholders who frequently use this platform.

What’s the earning rate for the TD Platinum Travel Visa Card on everyday purchases?

You earn 1.5 TD Rewards Points for every $1 you spend on everyday purchases. Plus, you can rack up 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores.

Is the TD Platinum Travel Visa Card offer available to residents of Quebec?

Unfortunately, this offer isn’t available to Quebec residents.

Kevin Nishmas is an expert financial content writer with a long and successful history of working with Canada's largest financial institutions. His knack (and passion) for transforming complex personal finance information into clear, compelling content has landed him in leading business publications such as Report on Business, Advisor’s Edge, Benefits Canada and Investor's Digest of Canada.

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By Keph Senett on January 4, 2022 Estimated reading time: 6 minutes

Expedia For TD: How to maximize your TD travel rewards credit card

Book your flights, hotels and accommodation through the Expedia For TD travel portal to make the most of the travel rewards you earn with your TD Visa.

You’ve surely heard of travel site Expedia, and you’ve heard of TD Bank. But have you ever booked travel through the Expedia For TD website? The program, which marries the travel service with the banking brand, delivers substantial earnings and deals to travellers who book through their branded portal and pay with a TD credit card . Let’s take a look at how the program works, and how to reap the most rewards.

About Expedia For TD

Expedia For TD is a segment of the TD Rewards environment, so the “currency” you’re collecting is TD Points that can be redeemed for merchandise, gift cards, cash and, importantly, travel. Another major benefit of the TD travel program is that it’s flexible. It allows you to use your Points to book your flights, hotels, cruises and excursions directly with any provider you choose. You can use your Points for these purchases, even up to 90 days after the fact. (However, when you book through Expedia For TD, points must be redeemed at the time of purchase.)

When you log into Expedia For TD , you’ll see a TD-branded version of the Expedia site. Here, you can redeem your TD Points for flights, hotels, car rentals and more, but the real incentives come by way of redemption rate, flexibility and earnings. If you redeem through Expedia For TD, no matter what you book, your redemption rate is $0.005 per point.** This is better than the rate you’d get by cashing in on other non-travel rewards. Additionally, you can collect within the TD Rewards environment and outside of it simultaneously. So, when you use Points on purchases at Expedia For TD, you can still collect from your separate airline rewards program. Finally, using the portal assigns bonus points to TD credit cardholders, which can multiply—sometimes dramatically—the number of Points you earn on travel purchases. Conveniently, you don’t have to wait until you’ve racked up thousands of Points to redeem: you can start using your Points as soon as you’ve accumulated 200. There’s even a dedicated 24/7 support line to help you make your bookings.

Are there any drawbacks I should watch out for?

Expedia For TD advertises a price guarantee, but you should be aware that it is time-limited. The company will refund the difference on a flight and hotel package within 24 hours of booking, or a hotel rate up to 48 hours prior to check-in.

The best Expedia For TD credit cards in Canada

• TD First Class Travel Visa Infinite Card
• TD Rewards Visa Card

TD First Class Travel Visa Infinite Card *

Expedia For TD is available to you if you hold any TD Rewards credit card, but the TD First Class Travel Visa Infinite Card gets our recommendation for its high earn rate and bonus Points potential. Travel purchases made at Expedia for TD earn 8 TD points per $1. Travel spends elsewhere earn 2 TD points per $1. Generating bonus Points is easy enough, but for a limited time new card holders 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. Best yet, your points never expire, so there’s no pressure to redeem.

The First Class Travel Visa Infinite also includes an excellent suite of travel insurance benefits including medical, trip interruption and automotive, and while it fails to offer airport lounge access, it does entitle you to a discount. However, these perks don’t come cheap. The First Class Travel Visa Infinite has a minimum annual income requirement of $60,000 and carries an annual fee of $139, though new applicants can have the first year fee rebated (along with the $50 fee for an additional cardholder).

What are the best ways to benefit from this card?

While this is a solid travel rewards card , new applicants in particular will benefit greatly from the welcome bonus. TD clients with an All-Inclusive banking account may be able to get the $139 annual fee rebated on an ongoing basis, so it’s worth speaking with a representative before you sign up. Frequent travellers who are comfortable shopping through the ExpediaforTD.com portal will get the highest earn rate on travel spends and, at a return of 4.5%** (8 points per $1), the savings will be noticeable. The included insurance package can also help you save a bundle.

Annual fee: $139 (annual-fee rebate—conditions apply to qualify). Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99% Welcome bonus: 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. You get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).

Additional perks: Travel insurance including travel medical up to $2 million, trip cancellation or interruption, travel accident, travel assistance and lost or delayed luggage coverage; auto rental collision/ loss damage insurance (conditions apply); purchase protection and extended warranty

Click here for more details about the TD First Class Travel Visa Infinite *

TD Rewards Visa *

If you’re annual fee-averse, consider the TD Rewards Visa, which will help you bump up your TD Points by offering 4 points per $1 spent at Expedia For TD, 3 points per $1 spent on groceries and restaurants, 2 points per $1 spent on recurring bills, and 1 point per $1 everywhere else. Though not quite as generous in rewards as the other cards in this article, the 4 points: $1 ratio on travel purchases through the online portal results in a return far better than available on most other no-fee cards. This card does not include travel insurance, but it gives cardholders a discount at Avis and Budget car rentals.

• Annual fee: $0
• Interest rates: purchases 19.99%, cash advances 22.99%, balance transfers 22.99%
• Welcome bonus: You can earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no annual fee. Conditions apply. Account must be approved by June 3, 2024.
• Additional perks: Discounts on Avis and Budget Rent A Car; purchase security and extended warranty

Click here for more details about the TD Rewards Visa*

How can I tell which card is the best option for me?

Every card in the TD Travel Rewards program is worth a look, but the best option will depend on you. If you want to avoid an annual fee you’ll benefit from the TD Rewards Visa, and if you’re willing to pay the $139 annual fee and the minimum income of $60,000 doesn’t disqualify you, the First Class Travel Visa is an effective way to cash in on the program. But the TD Platinum Travel Visa also does a good job with no income requirement and a lower annual fee. Choose the card that makes the most sense for you.

**All point values are based on travel redemptions

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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About Keph Senett

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I am unable to reach Expedia for TD to cancel flights due to the Coronavirus. I have held on for many hours with music playing and with no music. Can you advise how to speak to customer service? I am currently out of the country (Canada) and just don’t know how to go about this if TD for Expedia 18772226492 are taking many hours of my holding on and not answering my call. I am aware there must be many people wanting to Angel their flights. This is my third day of trying to reach them

Cancel their flights

I waited on hold for six hours. When my call was answered, the representative was more than helpful. Hard to wait on hold, but worth the effort in these trying times.

The TD business travel is no longer same as first class They reduced to 3 points per dollar

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TD Travel Medical Insurance (Single Trip Plan and Annual Plan Travel Medical Insurance) is underwritten by TD Life Insurance Company. TD Trip Cancellation and Trip Interruption Insurance is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Medical and claim assistance, claim payment and administration services under the Policy are provided by our Administrator.

1  Coverage may be subject to exclusions and limitations. Refer to your Certificate of Insurance for full details of coverage.

2  Eligible medical emergency expenses are defined in your Certificate of Insurance. Payment of eligible medical emergency expenses is subject to our Administrator’s approval.

3  Up to 212 days but not longer than the maximum number of days allowed under your Government Health Insurance Plan (GHIP) for travel outside of Canada.

4  Answering a Medical Questionnaire will be required for those 60 to 64 years of age who are travelling for 30 days or more and for those 65 years of age or older to determine eligibility for this product. If you are between 65 to 74 and are travelling for 17 days or less, you will have an option to bypass the Medical Questionnaire (this may impact your premium and pre-existing stability period).

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

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

NerdWallet Rating

NerdWallet CA

Best for: Travel enthusiasts who frequently fly Air Canada.

Anyone seeking a credit card that earns Aeroplan points and comes with luxurious travel perks will want to consider the TD Aeroplan Visa Infinite Privilege Card. Learn more about how we evaluate cards .

The TD Aeroplan Visa Infinite Privilege Card earns Aeroplan points with accelerated rates on dollars spent with Air Canada. The metal card carries a hefty annual fee but may be worthwhile for travel bugs seeking airport lounge access and comprehensive insurance coverage.  

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• 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.
• 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).
• 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.
• †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.
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TD Aeroplan Visa Infinite Privilege vs American Express Aeroplan Reserve Card

• Rating methodology

TD Aeroplan Visa Infinite Privilege full review

The TD Aeroplan Visa Infinite Privilege Card is a travel rewards credit card that earns Aeroplan points. Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.

Benefits of the TD Aeroplan Visa Infinite Privilege

The TD Aeroplan Visa Infinite Privilege’s travel perks are its crown jewel. The card comes with unlimited Maple Leaf Lounge access across Canada and the U.S., priority boarding and baggage handling, discounted flight passes for travel companions, NEXUS rebates and more. 

» MORE: Best credit cards with airport lounge access

Drawbacks of the TD Aeroplan Visa Infinite Privilege

The $599 annual fee may be a dealbreaker for those considering the TD Aeroplan Visa Infinite Privilege Card. Another limiting factor? The steep annual income criteria. Applicants must have a personal annual income of at least $150,000 or an annual household income of at least $200,000 to qualify. 

Who should get the TD Aeroplan Visa Infinite Privilege?

Travellers and jet-setters who frequently fly with Air Canada stand to benefit most from the TD Aeroplan Visa Infinite Privilege Card. The card offers its highest earn rate on money spent on eligible Air Canada purchases, and some of its travel perks, like priority boarding and baggage handling, are only available on Air Canada flights.  

Is the TD Aeroplan Visa Infinite Privilege worth it?

The card carries a very hefty $599 annual fee that won’t make it a good fit for many consumers. However, the TD Aeroplan Visa Infinite Privilege Card may be worthwhile for those who frequently travel and fly Air Canada, as they will be best positioned to take advantage of this card’s numerous perks. 

TD Bank customer ratings

• Below average customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
• Low Trustpilot rating: 1.4 out of 5 possible stars based on over 2,000 customer reviews, as of this writing.
• Poor Better Business Bureau rating: 1.25 out of 5 possible stars based on 80 customer reviews, as of this writing. 

TD Aeroplan Visa Infinite Privilege eligibility

Who qualifies for the td aeroplan visa infinite privilege.

To qualify for the TD Aeroplan Visa Infinite Privilege Card, you must:

• Be a Canadian resident.
• Be at least the age of majority for your province or territory.
• Have a personal annual income of at least $150,000 or an annual household income of at least $200,000. 

Approximate credit score needed for approval

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

TD Aeroplan Visa Infinite Privilege rewards

Earn up to 85,000 Aeroplan points. 

• Get 20,000 points when you make your first purchase with your new card. 
• Get an additional 40,000 points when you spend at least $10,000 within your first six months of card membership. 
• Get a 25,000-point anniversary bonus when you spend at least $15,000 within the first year of card membership. 

Earn Aeroplan points at the following rates:

• 2 Aeroplan points per $1 spent on eligible Air Canada purchases.
• 1.5 Aeroplan points per $1 spent on groceries, gas, travel and restaurant purchases.
• 1.25 Aeroplan points per $1 spent on all other purchases.  

Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.

According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. That means that the TD Aeroplan Visa Infinite Privilege’s welcome offer of 85,000 Aeroplan points is worth about $1,896, depending on how you redeem your points. But this card’s true value resides in its travel perks. 

The TD Aeroplan Visa Infinite Privilege Card offers a slew of luxurious benefits. Cardholders get unlimited Maple Leaf Lounge access across Canada and the United States — a membership that would cost at least $375 annually to purchase outright. And the airport lounge access doesn’t end there. Cardholders receive an additional six airport lounge passes annually via the Visa Airport Companion Program for access to over 1,200 airport lounges worldwide.

The TD Aeroplan Visa Infinite Privilege Card also offers access to NEXUS rebates of up to $100 every two years.

The card comes with robust travel insurance, as well, including up to $5 million of travel medical coverage per insured person per trip. The extensive insurance could prove valuable if it ever needs to be put to use.

Point value breakdown

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

More specifically, you can expect to get around:

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

How to apply for the TD Aeroplan Visa Infinite Privilege

The application process for the TD Aeroplan Visa Infinite Privilege Card can be completed online by visiting TD Bank’s website:

• Navigate to the TD Aeroplan Visa Infinite Privilege Card’s page and select Apply online.
• Review the card’s terms and conditions and select I Agree to continue. 
• Enter your full name, date of birth, phone number, email address and residential address.
• Tell TD Bank more about your employment status and finances, including your annual income and residential status.  
• Review your information and submit your application.

If you want a metal credit card that earns Aeroplan points, the TD Aeroplan Visa Infinite Privilege is far from your only option. For instance, the American Express Aeroplan Reserve Card charges the same annual fee ($599) and comes with comparable benefits, but it earns Aeroplan points at a higher rate.

Having trouble deciding? Check out our review of the American Express Aeroplan Reserve Card .

Reasons you might want a different card

The TD Aeroplan Visa Infinite Privilege Card may not be a practical fit if:

• You don’t fly Air Canada often.
• You want to earn a different type of reward, like cash back or Air Miles . 
• You want a credit card with no annual fee .

TD Aeroplan Visa Infinite Privilege facts

Rating methodology.

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

About the Author

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

DIVE EVEN DEEPER

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

Aeroplan vs. Air Miles: Differences and Alternatives

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

13 Best Aeroplan Credit Cards in Canada for 2024

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

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TD Insurance Travel Insurance

Why it can be important to have travel insurance.

Travelling can be expensive enough on its own, but a medical emergency could cost you much more. It’s also important to note that your credit card might not include travel insurance or may have limited coverage. Whether you’re planning a trip for yourself or your entire family, TD Insurance Travel Insurance can help provide protection from certain unexpected events.

Explore TD Insurance Travel Insurance Plans

TD Insurance Multi-Trip All-Inclusive Plan

This is the most comprehensive plan we offer. It provides you with multiple benefits, including up to $5 million in emergency travel medical coverage, trip cancellation and interruption and more, for multiple covered trips up to the maximum trip duration selected within one year. 1

  Sample Insurance Policy - Multi-Trip All-Inclusive Plan

TD Insurance Single-Trip Medical Plan

This plan provides up to $5 million in emergency travel medical insurance coverage for one trip. 2

  Sample Insurance Policy - Single-Trip Medical Plan

TD Insurance Multi-Trip Medical Plan

If you travel often, then this multi-trip plan could be more cost-effective than buying a single-trip plan each time. This plan provides you with up to $5 million in emergency travel medical coverage for each covered trip up to the maximum trip duration selected within one year. 3

  Sample Insurance Policy - Multi-Trip Medical Plan

TD Insurance Trip Cancellation & Interruption Plan

This plan could be right for you if you do not need emergency medical coverage but want financial protection for eligible non-medical expenses like your trip being cancelled or interrupted due to a covered event. 4

  Sample Insurance Policy - Trip Cancellation & Interruption Plan

Compare plans

Please refer to the Sample Policy for defined terms and a full description of features, benefits, limitations and exclusions.

Ready to choose a plan?

Why choose td insurance travel insurance.

• Up to $5 million in emergency travel medical coverage Feel good about your next trip with medical coverage up to $5 million on eligible costs.
• 24/7 emergency assistance by phone worldwide Call our administrator anytime if you have an emergency during your trip.
• Travel medical coverage for dependent child(ren) included with two paying travellers On select plans that have the family coverage 5,6  option, your dependent child(ren)’s travel medical coverage is included at no additional charge.
• Convenient online quotes and claims servicing Available 24/7 when submitted online.

How to apply online

Get a quote in minutes

No obligation to purchase.

Decide whether you want to purchase

After reviewing the details, you can proceed to purchase.

Pay and submit

Review and confirm your purchase.

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 to 8pm ET Saturday 9am to 5pm ET
• For claims:  1-833-962-1140 .

Check your TD credit card travel insurance benefits.

Are you an existing TD Credit Cardholder and dreaming of future travels? Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool.

Information for Quebec Residents – TD and MBNA Credit Card Product Summaries

Below are the Travel Insurance Summaries and Credit Card Insurance Summaries for TD and MBNA credit cards. These summaries provide an overview of the features and benefits of the insurance coverages included with TD and MBNA credit cards.

TD Personal Credit Cards:

• TD Cash Back Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Cash Back Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Platinum *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD® Aeroplan® Visa Infinite *  Privilege Card Travel Insurance Summary      Credit Card Insurance Summary
• TD First Class Travel® Visa Infinite *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Platinum Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Rewards Visa *  Card Credit Card Insurance Summary
• TD Emerald Flex Rate Visa *  Card Credit Card Insurance Summary
• TD U.S. Dollar Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Low Rate Visa Card Credit Card Insurance Summary

TD Business Credit Cards:

• TD Business Travel Visa *  Card Travel Insurance Summary      Credit Card Insurance Summary
• TD Business Cash Back Visa *  Card Credit Card Insurance Summary
• TD Business Select Rate TM  Visa *  Card Credit Card Insurance Summary
• TD® Aeroplan® Visa Business Credit Card Travel Insurance Summary      Credit Card Insurance Summary

MBNA Credit Cards:

• MBNA Gold Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus or True Line Mastercard® Credit Card Insurance Summary
• MBNA Rewards Platinum Plus® Mastercard® Credit Card Insurance Summary
• MBNA Rewards World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Elite® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA World Mastercard® Travel Insurance Summary      Credit Card Insurance Summary
• MBNA Platinum Plus® Mastercard® Travel Insurance Summary      Credit Card Insurance Summary

Other Products and Services You May Want To Consider For Your Trip

TD offers banking solutions, credit cards and competitive exchange rates for your travel needs. Explore our products to learn how TD can enhance your trip.

TD Travel Credit Cards

Earn travel reward points on everyday purchases to redeem for flights, hotels and more.

Foreign Exchange Services

We have over 50 foreign currencies available at competitive rates.

Cross Border Banking

Canadian-based U.S. dollar products with TD Canada Trust can help you avoid foreign exchange fees by allowing you to save and spend in U.S. dollars.

TD Insurance Travel Insurance plans (TD Insurance Multi-Trip All-Inclusive Plan, TD Insurance Single-Trip Medical Plan, TD Insurance Multi-Trip Medical Plan and TD Insurance Trip Cancellation & Interruption Plan) are individual insurance plans administered by Global Excel Management Inc. and its subsidiary, CanAm Insurance Services (2018) Ltd. TD Insurance Multi-Trip All-Inclusive Plan and TD Insurance Trip Cancellation & Interruption Plan are underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). TD Insurance Single-Trip Medical Plan and TD Insurance Multi-Trip Medical Plan are underwritten by TD Life Insurance Company. 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 policy for full details. 1. The TD Insurance Multi-Trip All-Inclusive Plan will provide coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 59 years old, the maximum trip duration is 60 consecutive days. If you are 60 years and older, the available maximum trip durations are 22 or 30 consecutive days. Coverage may be subject to conditions, exclusions, and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Multi-Trip All-Inclusive Plan. 2.Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Single-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 3. The TD Insurance Multi-Trip Medical Plan will provide emergency travel medical coverage for each covered trip taken within 1 year up to the maximum trip duration you selected when the policy was purchased. If the oldest person on the insurance policy is 15 days old to 79 years old, the available maximum trip durations are 4, 9, 16 or 30 consecutive days. If you are 80 years and older, the available maximum trip durations are 4, 9 or 16 consecutive days. Coverage may be subject to conditions, exclusions and limitations. Answering a Medical Questionnaire is required for those 60 years of age or older to determine eligibility for the TD Insurance Multi-Trip Medical Plan. Refer to your Policy of Insurance for full details of coverage. 4.Coverage may be subject to conditions, exclusions and limitations. Refer to your Policy of Insurance for full details of coverage for the TD Insurance Trip Cancellation & Interruption Plan. 5. The TD Insurance Multi-Trip All-Inclusive Plan has family coverage and provides coverage for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner Dependent Child(ren) means your natural, adopted, or step-children who are: a) unmarried; and b) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. All insured persons may travel independently of one another. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip and at the time you incur a claim. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 6. Family Coverage is available on the TD Insurance Single-Trip Medical Plan and the TD Insurance Multi-Trip Medical Plan for you, your Spouse and unmarried Dependent Child(ren) if you name them in your application. Spouse means the person to whom you are legally married to; or the person you have lived for at least 1 year and publicly refers to as your domestic partner. Dependent Child(ren) means your natural, adopted, or step-children who are: c) unmarried; and d) dependent on you for financial maintenance and support; and i. under 22 years of age, or ii. under 26 years of age and attending an institution of higher learning, full-time, in Canada; or iii. mentally or physically handicapped. Your Dependent Child(ren) must be travelling with you or your spouse. All covered travellers must be a Canadian resident and be covered by the government health insurance plan of your Canadian province or territory of residence for the entire duration of your trip. Family Coverage is not available when a medical questionnaire is required for any of the travellers. If any of the travellers do not meet these criteria, that traveller will need to complete a separate application for their own policy. Up to 6 travellers including yourself are permitted to be under a policy through our online application. To purchase additional coverage for groups of more than 6 people, please call our administrator at  1-833-962-1143 . 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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• 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

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• Book Travel
• Credit Cards

Canada’s 5 Best TD Credit Cards

TD is one of Canada’s biggest banks. They’re a major Aeroplan partner, and they also offer other travel and cash back credit cards.

Read on to find out more about our top picks for the best TD credit cards in Canada.

Best TD Credit Cards

Best overall td credit card.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 20 ,000 Aeroplan points † upon spending $6,000 in the first 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 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bags on Air Canada ® flights †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139
• Application must be approved by June 3, 2024 to receive this offer

The TD Aeroplan Visa Infinite Card is the bank’s flagship product, and our choice for their best credit card. At the “core” tier of the Aeroplan cards, it offers the most bang for your buck for the vast majority of cardholders.

Most of the card’s ongoing value comes in the form of Aeroplan and Air Canada benefits. You’ll get free checked bags on Air Canada flights, preferred pricing on Aeroplan flight rewards when you fly with Air Canada, and a few ways to get closer to Aeroplan Elite Status by spending with the card.

Additionally, the card provides travel insurance, which covers Aeroplan flight rewards. You’ll want to pay for the flight’s taxes and fees with this card so that you’re protected in the event of a travel snafu.

Best Premium TD Credit Card

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 40,000 Aeroplan points † upon spending $10,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points † when you spend $15,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

If you’re looking for premium traveller perks and Air Canada benefits, the TD Aeroplan Visa Infinite Privilege Card is the way to go. The card earns a base rate of 1.25 Aeroplan points per dollar spent on all purchases.

Aeroplan members can earn Aeroplan 25K Status by racking up 100,000 Aeroplan points (excluding welcome bonuses and transferring points) in a year. If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

You’ll also get an enhanced travel experience, with unlimited access to Maple Leaf Lounges and six free visits per year to DragonPass lounges , priority airport services (including check-in and boarding), and more flexible ways to qualify for higher tiers of Aeroplan Elite Status.

As for savings, you’ll get the best preferred pricing rates for Aeroplan flight rewards on Air Canada flights, as well as the opportunity to spend your way to unlocking a Worldwide Companion Pass.

Best TD Credit Card for Travel Purchases

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  80 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †
• Annual fee: $139, rebated for the first year †

Not all of your travel arrangements can be booked on points. While it’s easy enough to get flights covered with loyalty programs like Aeroplan, there are a much wider range of hotels, vacation packages, experiences, and tour operators where you’ll most likely have to pick up the bill yourself.

The TD First Class Travel Visa Infinite Card is an awesome card for all travel purchases. It earns 4% back in the form of TD Rewards points when you book with Expedia for TD. For a guaranteed rate that doesn’t depend on finding limited sweet spots and award availability to extract its full potential, it simply can’t be beat.

For maximum value, you can use your TD Rewards points to book anything available on the Expedia for TD website. This is a great way to snowball your rewards – as you book travel, you’ll earn even more travel!

Not to mention, cardholders get a $100 annual credit towards a $500+ hotel or vacation booking. As well, you’ll get a birthday bonus, where you’ll get a 10% boost on points you’ve earned (up to a limit) each year.

Best No Fee TD Credit Card

• Earn 15,152 TD Rewards Points† upon keeping your account open for 90 days †
• Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Annual fee: $0

Among TD’s no-fee cards, the TD Rewards Visa Card has an appealing rewards structure. You’ll earn 2% back (in the form of TD Rewards points) travel bookings, 1.5% back on groceries and restaurants, and 1% back on recurring bills.

Those rates are quite strong when compared to other entry-level credit cards, and indeed higher value than the alternative no-fee TD Cash Back Visa Card .

Most importantly, you can park your TD Rewards points here if you ever decide to cancel or downgrade your TD First Class Travel Visa Infinite Card . That way, your points won’t expire while you await a good travel opportunity.

Best Cash Back TD Credit Card

• Earn 10% cash back † in the first three months, on up to $3,500 spent on eligible groceries, gas, and recurring bills set up on your account †
• Then, earn 3% cash back † on eligible groceries, gas, and recurring bill payments set up on your account †
• Free Deluxe TD Auto Club Membership for roadside assistance †
• Annual fee: $0 for the first year † , then $139

The TD Cash Back Visa Infinite Card is chief among TD’s cash back cards. You’ll earn 3% cash back on groceries, gas, and recurring bill payments.

While not the absolute best card on the market for any one of these categories, it’s the only card with high earn rates on all three. If you don’t want to juggle several credit cards and these categories cover most of your expenses, the TD Cash Back Visa Infinite would serve you well.

Considering its frequent First Year Free promotions and the ability to waive your annual fee every year with a TD All-Inclusive Chequing account, it’s not hard to maintain these rewards year after year at no cost.

Also, the card comes with a Deluxe TD Auto Club Membership. It’s their only credit card with this benefit, and one of the only cards in Canada that offers roadside assistance. For heavy commuters or road-trippers, it’s a valuable perk that could get you out of an unpleasant situation.

Not to mention, the roadside assistance dovetails nicely with the 3% rewards on gas, giving you one credit card for all of your driving needs.

TD Credit Cards: What You Need to Know

When choosing a TD credit card, you should familiarize yourself with what benefits a TD credit card can offer, what features to look out for, and how TD credit cards can fit into an optimized overall credit card strategy.

Why get a TD credit card?

TD credit cards are one of the best ways to earn Aeroplan points . As Aeroplan’s primary bank partner, TD’s co-branded cards often have bigger bonuses with easier spending requirements than their counterparts from CIBC and American Express .

Once you have your flights covered, TD Rewards points are also a great way to cover your other travel expenses. You can use them for anything on Expedia, like hotels and car rentals, or even redeem them for statement credit for pretty much any out-of-province expense, including gas or restaurants.

TD generally values a strong relationship with their members. It can be harder to get approved initially, but longtime clients will find it easier to open additional products, sometimes even receiving pre-approvals.

If you already bank with TD, getting one of their credit cards is a no-brainer. On most cards, you can get your annual fee rebated every year if you have a TD All-Inclusive Chequing account . This is useful if you plan on keeping a Visa Infinite card year after year for its benefits and higher everyday earning rates.

What should you look for in a TD credit card?

TD has three different types of rewards on their credit cards, all on the Visa payment network:

• Aeroplan co-branded cards earn Aeroplan points and come with Air Canada benefits. They’re best for avid Aeroplan collectors who know how to stretch the value of their frequent flyer points, or who’ll benefit from travel insurance on Aeroplan award ticket bookings.
• TD Rewards cards earn points that can be used for travel expenses. You can book flights, hotels, car rentals, or anything else available on Expedia for TD, at a rate of 0.5 cents per point. Otherwise, you can redeem points for statement credit against any other travel purchase at a rate of 0.4 cents per point. TD Rewards cards have decent earning rates on uncategorized transactions and excellent rates on travel.
• Cash Back can be redeemed any time you’ve accumulated at least $25. They’re the easiest rewards to use and understand, but the trade-off is that their value is limited. Compared to their peers, TD’s cash back cards are somewhat competitive for groceries, gas, and recurring payments, and weak for other purchases.

For each type of rewards, TD offers cards with a wide range of welcome bonuses, everyday rewards, annual fees, perks, and income requirements.

Any of these cards come with the standard benefits for their Visa tier:

• All Visa Infinite cards have access to Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country program
• In addition, Visa Infinite Privilege cards come with a DragonPass membership which includes six annual visits to participating airport lounges and restaurants each year

TD regularly puts on First Year Free promotions for new signups for all cards at or below the Visa Infinite tier. It’s generally best to wait for one of these opportunities before applying.

What’s the optimal strategy for TD credit cards?

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, TD’s wide range of credit cards will undoubtedly have a significant presence in your wallet.

In an optimized credit card strategy, you would leverage TD’s Aeroplan credit cards (in conjunction with Aeroplan cards from CIBC and American Express ) to collect a large balance of Aeroplan points, which you’d use towards booking international flights at a high value.

Meanwhile, you’d use the more flexible TD Rewards credit cards to cover your non-flight travel expenses, such as car rentals or non-chain hotels, by booking through the Expedia for TD portal.

TD is also known for granting the welcome bonus upon switching credit cards between the two families, so you could collect points and maximize benefits across both the Aeroplan and TD Rewards card families while preserving the same account (and all of its history) on your credit file.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best TD credit cards in Canada.

Can I have the TD Aeroplan Platinum, Infinite, and Privilege cards at the same time?

Yes, the cards are separate products. You can have any combination at the same time, and you can open them all and be eligible for all welcome bonuses. However, note that TD and Aeroplan may limit the number of credit card bonuses earned by a member if they deem this behaviour to be excessive.

Which credit bureau does TD check?

TD uses Equifax for credit inquiries, although they sometimes have pre-approvals for existing clients.

How do I apply for a TD credit card?

If you’re having technical difficulties getting approved when submitting a credit card application online, consider booking an appointment at a TD branch or applying by phone.

Can I do a product switch with TD?

Yes, you can switch in a branch or by phone. There are no bonuses available for downgrades, and usually the bonuses for upgrades are smaller than what you’d get for a new application.

Generally speaking, a switch between credit cards in different families (Aeroplan, TD Rewards, or Cash Back) will yield the strongest bonuses.

What does this mean? If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

Also, if I product switch my TD visa infinite to privilege, will insurance on my previous travels booked on the infinite card still being covered by the new card?

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