TD First Class Travel® Visa Infinite* Card review

This offer is not available for residents of Quebec.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD†. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Who's the TD First Class Travel® Visa Infinite* Card for?

A travel lover who wants to accumulate points fast on everyday spending without any loyalty to a particular brand of store, but ideally can be loyal to TD Bank and their booking portal Expedia For TD to find the best travels deals. 

TD First Class Travel® Visa Infinite* Card Welcome bonus

Earn up to $800 in value^†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year^† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

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

• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening^†.

• Earn a Birthday Bonus of up to 10,000 TD Rewards Points^†.

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

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

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

Pros and Cons of the TD First Class Travel® Visa Infinite*

Pros

• Major combined value for the welcome bonus (up to $800†)

• Good base earn rate on all purchases

• Huge earn rate when you book travel through Expedia® For TD†

• Very flexible redemption options

• $100 TD Travel Credit†

• Visa Infinite Benefits

• Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Cons

• Does not provide free lounge access

• Charges foreign transaction fees

How to earn TD Points with the TD First Class Travel Visa Infinite

• 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.

How to redeem your TD Points

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.

TD First Class Travel Visa Infinite key benefits

• Excellent welcome bonus of up to $800 in value, including up to 100,000 TD Rewards Points and no annual fee for the first year. 
• High earn rate on travel, groceries and restaurants, and recurring bills without loyalty to a particular store
• Comprehensive travel insurance 
  

TD First Class Travel Visa Infinite travel insurance and other protections

You can check out our guide to credit card travel insurance to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

TD First Class Travel Visa Infinite extra benefits

• $100 annual travel bonus
• 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. 

What people have to say about the TD First Class Visa Infinite

Redditor, alwaysdetermined points out that yes, the annual fee can be waived with TD's All Inclusive but notes "the All-Inclusive costs $29.95, but that account fee can be waived if you keep $5,000 in the account at all times."

Reddit user, SensitiveAward, has the card, says they travel multiple times a year and is please with the insurance coverage saying "TD [credit card] comes out cheaper" when comparing it to third-party travel insurance products. 

However, some users say the Expedia For TD prices are higher than regular Expedia rates, so be sure to cross reference the two portals before booking (and clear your internet cache or browse in incognito to prevent tracking)

TD First Class Visa Infinite eligibility requirements, fees, and rates

• Minimum income: $60,000 individual and $100,000 household annual income
• Foreign transaction fee: 2.5%
• Annual fee: $139, $50 for each additional cardholder (fees can be waived with TD's All inclusive banking plan)

How does TD First Class Visa Infinite compare?

When comparing travel credit cards with similar annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate† effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD, want to avoid the foreign transaction fees and want free airport lounge access. 

TD First Class Travel Visa Infinite vs. Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

TD First Class Travel Visa Infinite vs. BMO Ascend™ World Elite®* Mastercard®*

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 the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

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

Is the TD First Class Travel Visa Infinite worth it?

Yes, for its welcome bonus alone it's a great card. You'll also get a first year annual fee rebate, high earn rate in everyday spending, 10% annual birthday bonus, a $100 annual travel credit, and comprehensive travel coverage. 

FAQs

About our authors: faces of finance

Tyler Wade, Content strategist & writer

More from this author

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca. He was the host and producer of the Real Money Talk podcast. He's the father of two, husband to one, and loves all things tiny.

Scott Birke, Finance editor, Money.ca

More from this author

Scott Birke is a finance editor and writer with an interest in credit cards, investing, saving money and personal finance. Scott joined Wise Publishing from Finder, and his byline has appeared in the National Post, Mountain Life and Rock and Ice. When he's not trying to help Money.ca readers save money by comparing better financial products, he can be found riding his snowboard or mountain bike or listening to his small (but growing) vinyl collection.

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