TD First Class Travel® Visa Infinite* Card review

• Earn up to $1,000 in value^†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year^† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†.

  • Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening^†.

  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.

  • Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.

  • Get an Annual Fee Rebate for the first year^†.

  To receive the first-year annual fee rebate 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 Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

  Starbucks Bonus Offer for New Linked Members^x: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

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

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

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

1. Book Any Way†

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

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

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

Expedia® For TD

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

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

2. Other redemption paths

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

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

• Excellent welcome bonus: Earn up to $1,000 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. 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 Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
• High earn rate on travel, groceries and restaurants, and recurring bills without loyalty to a particular store
• Comprehensive travel insurance 
  

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

No foreign transaction fees, earns 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco and Foodland, 5x Scene+ points for every $1 you spend on dining, food delivery, food subscriptions, other eligible grocery stores, and eligible entertainment purposes, up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options, including rideshares, buses and subways, as well as eligible select streaming services.,  1 Scene+ point on all other purchases and Earn 1 Scene+ point on all other purchases, and has an all-encompassing travel insurance package.

Disclosures:

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus Get up to 90,000 points and the annual fee waived on your first anniversary for both the primary cardholder and authorized users.* which is still competitive with the TD card’s sign-up bonus.

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

Disclosures:

Minimum income: $60,000 individual and $100,000 household annual income