TD First Class Travel® Visa Infinite* Card
4.0 Ratehub rated
Best for Travel
Travel
Welcome bonus – Earn up to $800 in first-year bonuses.
Card highlights
Welcome bonus
Ratehub’s review
Natasha Macmillan
The TD First Class Travel Visa Infinite is your passport to travel rewards, offering flexible redemption options and value for frequent travellers looking for a Visa credit card with travel points.
Pros
- Flexible redemption: Redeem points on flights, hotels, car rentals and more through Expedia for TD, with points redeemable in increments as low as one dollar
- Exclusive offers: Enjoy 10% off car rentals from select Avis and Budget locations, an annual discount to Priority Pass Memberships
- Extensive travel package: Enjoy comprehensive travel insurance, including emergency travel medical (up to $2 million), trip cancellation/interruption, and more
- TD Travel Credit: Receive an annual TD Travel Credit of $100 when you book at Expedia for TD
- Complimentary airport lounge access: Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)
Cons
- Income requirement: A minimum personal income of $60,000 and $139 annual fee may limit eligibility for some users
- Low point value: The average dollar value of one TD Reward point is $0.005, which is low compared to other travel credit cards
- Low earn rate for specific categories: Other cards offer high point values for specific spending categories like dining and entertainment
- No waived foreign transaction fees: Foreign transaction fees are not waived, so consider this if you plan to use the card for shopping abroad
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $800.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†. Conditions Apply.
Earn rates
8 points/$1
On travel booked online through Expedia For TD†*
6 points/$1
On Groceries, Dining, and Public Transit†*Up to $2,083 / month, then 2 points/$1
4 points/$1
On Recurring Bill Payments and Streaming, Digital Gaming & Media†*
2 points/$1
On other Purchases made using your Card†*
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 200 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $139 annual fee
Second year reward
Based on spending $2,200/mo after $139 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual feefirst year waived
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Visa Airport Companion Program - includes 4 complimentary lounge visits per membership year | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | Up to 1 additional year | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Up to $500,000 | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Up to $2,000,000 for 21 days (under 65) | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Up to 48 consecutive days | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Up to $1,500 | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Up to $5,000 per person / $25,000 per trip | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to $500; delays 4 hours or more | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Up to $1,000 | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | up to $1,000; delays 6 hours or more | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Up to $2,500 | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Up to $1,000 | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Up to 90 days | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $0 for the first year, then $139 per year after
Rates
- Purchase interest
- 21.99%
- Balance transfer rate
- 22.99%
- Cash advance rate
- 22.99%
Type
- Provider
- TD Bank
- Card type
- Travel
- Payment network
- VISA
Eligibility
- Minimum personal income
- $60,000
- Minimum household income
- $100,000
- Minimum credit score
- 725+