TD First Class Travel Visa Infinite Card Review

Hyder Owainati
by Hyder Owainati March 6, 2019 / No Comments

The TD First Class Travel Visa Infinite ticks off all the boxes of a great rewards credit card – from a flexible points program and large sign-up bonus to top-notch travel insurance benefits.

Designed first and foremost with travellers in mind, TD’s unique partnership with Expedia means that TD First Class Travel Visa Infinite cardholders can tap into one of the world’s largest travel websites to book hotels and flights from almost any airline. Not to mention, this card lets you pocket the equivalent of 4.5% in rewards for every dollar spent on travel – one of the richest rewards rates for travel purchases in the credit card market.

For everything you need to know about the TD First Class Travel Visa Infinite Card, read our full review below.

TD First Class Travel Visa Infinite Card

  • Annual fee: $120 (waived for the first year)
  • Welcome offer: Get 20,000 TD Points after you make your first purchase on the card and 10,000 points when you add an authorized user by December 1, 2019
  • Earn 9 TD Points per $1 on travel through ExpediaforTD
  • Earn 3 TD Points per $1 on everything else
  • Get 2X the points on all your purchases for the first 3 months (up to 60,000 points)

Points and redemptions

Earning points

When purchasing any form of travel (including flights) on using the TD First Class Travel Visa Infinite, cardholders will earn a whopping 9 TD Points per dollar.

Since the value of 1 TD Reward Point is $0.005, that equates to getting back 4.5% on every dollar spent on travel – one of the richest rewards rates on travel spending. Just to put things into perspective, many other popular travel credit cards in Canada offer the equivalent of just 2% back on travel.

Better yet, thanks to the card’s welcome offer, you’ll earn double the points on your everyday purchases for the first three months up to 60,000 points. So, you’d get 18 points per dollar (or a 9% return) on all your Expedia travel purchases for a limited time.

Using ExpediaforTD also offers additional benefits including access to the same flights and hotels conventionally offered on, the ability to redeem flights on hundreds of airlines, and price guarantees on flight and hotel packages (within a 24 hour timeframe).

While the TD First Class Travel Visa Infinite offers unparalleled rewards on travel, the rewards on everyday spending aren’t as favourable in comparison. For all purchases not made through ExpediaforTD, this card offers a flat rate of 3 TD points (or the equivalent of 1.5% per dollar). That includes spending on groceries, restaurants and gas.

It’s important to note that you will only earn 9 TD points for travel purchases made through ExpediaforTD. Since using ExpediaforTD offers access to flights from almost every airline, this is far from a drawback and ExpediaforTD should be your default for all travel purchases made on this card.

All in all, the TD First Class Travel Visa Infinite is great for frequent flyers or anyone who travels or books hotels at least once every year or so. If you rarely travel or spend a disproportionately large amount of money on groceries or gas, for instance, this card may not be the best fit for you.

Flexible redemption options

You can redeem TD Points for almost everything travel related, from flights on any airline with no blackout dates to hotels, car rentals and vacation packages. You can also apply points to cover the cost of taxes and fees. To redeem your points, you’ll need to visit

TD Reward Points can also be redeemed for merchandise and gift cards from TD’s e-store. However, you’ll likely get less value out of your points this way so it’s best to reserve your points for travel-related redemptions instead.

Sign-up bonus

One of the key reasons the TD First Class Travel Visa Infinite ranks among the best credit cards in Canada – aside from its strong rewards rate on travel – is its sign-up bonus.

New applicants who are successfully approved for this card by December 1, 2019 can receive up to 90,000 TD bonus points (value of $450 when redeemed for travel).

The welcome bonus is offered in three phases. The first 20,000 points will be provided after you make your first purchase on the card. Another 10,000 points will be granted on the condition you add an authorized user by December 1. Lastly, you can earn the final 20,000 bonus points more gradually thanks to the card’s accelerated earn rate, which will let you earn 2X the points on all your purchases for the first three months.

Fees, interest rate and income requirements

On par with most premium travel credit cards, the TD First Class Travel Visa Infinite has a $120 annual fee and an income requirement of $60,000 per individual (or $100,000 per household).

If you do want to pick up a second card to grant an authorized user (such as your partner or child) the ability to also make purchases from your account, it will cost an additional $50 – which is a slight drawback.

One important thing to consider is that if you have a TD-All Inclusive Banking Plan, you can have the card’s annual fee waived. Provided you maintain $5,000 in your account at all times, the All Inclusive Banking Plan is free. However, if you fall below the $5,000 threshold you’ll be charged a costly $30 per month. That adds up to more than the card’s annual fee. So unless you have enough money in the bank to always maintain such a large balance, even after paying off your monthly bills, you may want to consider not taking this route.

In terms of other fees, this card has an annual percentage rate (APR) on purchases of 19.99%, which will only be charged in instances you carry a balance. Cash advances and balance transfers have a marginally higher interest rate of 22.99%. All these factors considered, this card is a good fit for spenders who regularly pay off their balance.

Travel Insurance (and other perks)

Insurance Benefits

As a premier travel credit card from one of Canada’s biggest banks, it comes with little surprise that the TD First Class Travel Visa Infinite boasts a full suite of travel insurance benefits.

This card will cover you and your family in cases of medical emergencies while abroad up to $1,000,000 over 21 consecutive days (or 4 days if you’re a senior who’s 65 or older, with the option for extension). The card also provides travel accident insurance in case you’re harmed while in transit on a common carrier such as plane as well as baggage insurance that kicks in six hours from when your luggage is lost, stolen or delayed by an airline.

What all this means is you can avoid shelling out extra cash for insurance while travelling – which can amount to significant savings if you travel regularly.

Rental car benefits

Another advantage this card offers on the insurance front is rental car insurance. Provided you pay for the full cost of the rental card on your TD credit card and waive the Collision Damage Waiver, you’ll be insured in circumstances where your rental car is stolen or damaged (note, third party coverage isn’t included).

As an added bonus, if you use your TD Card at Avis or Budget rental car agencies, you could save up to 10% off the base price of your rental car.

Here’s an overview of the insurance benefits offered by the TD First Class Travel Visa Infinite.

Insurance Coverage amount
Travel medical emergency $1,000,000 for up to 21 days
Travel accident Up to $500,000
Car rental insurance Up 48 consecutive days
Trip cancellation $1,500 per person | $5,000 per trip
Trip interruption and delay $5,000 per person | $25,000 per trip
Delayed and lost baggage $1,000 per person per person (after 6 hours)

Discounted lounge access

While the TD First Class Infinite doesn’t offer complimentary lounge access, it does provide cardholders with a 20% discount to Priority Pass memberships.

So for $79 USD, instead of the regular $99 USD membership fee, you can get access to over 1,000 airport lounges worldwide (note: $32USD entrance fee also applies per visit). If lounge access is critical to you, consider checking out our list of credit cards with airport lounge access.

TD First Class Travel Visa Infinite Card – Quick review

The Pros

  • The $120 annual fee is waived for the first year
  • New cardholders can earn 20,000 bonus points ($100 value) after their first purchase and another 10,000 points ($50 value) after adding an authorized user by December 1, 2019
  • For the first three months, you’ll get 2X the points on all your everday purchases (18 TD points per $1 spent on Expedia and 6 TD Points per $1 on everything else).
  • After the welcoem offer ends, you get 9 TD Points (or a 4.5% return) per $1 spent on travel booked through ExpediaforTD – one of the richest rewards rates for travel of any credit card in Canada
  • TD Points are flexible and be booked for flights on the airline of your choice through ExpediaforTD
  • TD Points don’t expire as long as your account is active, and can be used to cover the cost of taxes and fees
  • This card comes with a full range of travel insurance benefits including $1,000,000 in travel medical coverage for up to 21 consecutive days

The Cons

  • This card offers a regular earn rate of 3 TD Points (or a 1.5% return) per $1 spent on all non-travel related purchases – with no bonus points on popular spending categories such as gas or groceries
  • For a premier travel credit card, the TD First Class Travel Visa Infinite only offers a discounted Priority Pass membership to airport lounges and not full-fledged complimentary access