The TD First Class Travel Visa Infinite Card is a premium travel rewards credit card available in Canada. It earns TD Rewards Points on purchases, with higher rates for spending on travel through Expedia For TD, groceries, dining, and public transit. The card includes travel insurance benefits and features like a potential annual fee rebate when linked to a TD All-Inclusive Banking Plan. This guide details its features, earning structure, and how it compares to other travel cards for Canadian consumers.
Earning TD Rewards Points
The TD First Class Travel Visa Infinite Card accrues TD Rewards Points based on specific spending categories. The primary method for earning points is through everyday purchases made with the card. For every dollar spent on other purchases not in a bonus category, you earn two TD Rewards Points. The card offers significantly accelerated earning in several key areas of consumer spending. You earn six TD Rewards Points for every dollar spent on groceries, dining, and public transit purchases. For recurring bill payments and spending on streaming services, digital gaming, and media, you earn four TD Rewards Points per dollar.
The highest earning category is reserved for travel bookings made through the Expedia For TD online portal. Purchases made through this dedicated platform earn eight TD Rewards Points for every dollar spent. This structure is designed to reward frequent travellers who book their arrangements through TD's partnered service. All points earned do not expire as long as you remain a cardholder and your account is in good standing. The card also provides an annual Birthday Bonus of up to 10,000 TD Rewards Points, adding to the total points accumulated each year.
Welcome Bonus and First-Year Value
New cardholders can access a welcome bonus offer that includes a substantial number of TD Rewards Points. The current offer provides up to 160,000 TD Rewards Points, which is part of a total potential value of up to $1,400. To qualify for the full welcome bonus, specific spending requirements must be met within a set timeframe after account opening. The bonus is typically structured in two parts: an initial grant of points upon first purchase and a larger bonus after reaching a minimum spending threshold. Cardholders can earn a welcome bonus of 20,000 TD Rewards Points simply by making their first purchase with the new card.
To earn the remaining 140,000 points, you must spend $7,500 on the card within 180 days of the account opening date. This offer is subject to change or withdrawal by TD at any time and cannot be combined with other promotions unless explicitly stated. Furthermore, the card offers a first-year annual fee rebate under certain conditions. To receive this rebate, the primary cardholder must activate the card and make the first purchase within three months of account opening. The welcome bonus and fee rebate combine to create significant initial value for new cardholders who can meet the spending requirements.
Redeeming Points for Travel and Other Rewards
TD Rewards Points offer flexibility in how they are redeemed, with travel being a primary focus. The standard redemption rate for travel booked through Expedia For TD is 200 points for one Canadian dollar in value. This means points can be used to reduce the cash cost of flights, hotels, car rentals, and vacation packages booked on that platform. You can also link your card to earn 50 percent more TD Rewards Points on Starbucks purchases along with additional Starbucks Stars through a partnership. Beyond travel, points can be redeemed for a variety of other rewards.
You can use TD Rewards Points to shop on Amazon.ca through the Amazon Shop with Points program, applying points directly at checkout for eligible items. Points can also be redeemed to pay down your credit card account balance through the TD Mobile App or TD EasyWeb online banking. Another option is to convert points into credits for education through the HigherEdPoints loyalty program. The process to redeem points for non-travel purchases is straightforward. Once a transaction posts to your account, you can redeem points against it in three clicks via the TD Mobile App. This provides multiple avenues for cardholders to extract value from their accumulated points.
Card Benefits and Insurance Coverage
The TD First Class Travel Visa Infinite Card includes a suite of travel-related benefits and insurance coverages common to premium Visa Infinite products. These benefits are designed to provide protection and convenience for cardholders while travelling. The insurance package includes coverage for travel medical emergencies, baggage delay, and flight cancellation. Specific details and limits for each type of coverage are outlined in the card's Benefit Coverages Guide, which cardholders should review. Starting April 30, 2025, a new benefit of complimentary airport lounge access will be added to the card's features.
The card also provides a $100 annual TD Travel Credit when booking travel through the Expedia For TD platform. Cardholders are eligible for four complimentary Visa Airport Companion lounge visits per year. Additional perks include special offers from TD and partner merchants, and a free six-month trial for Uber One membership, followed by a 20 percent discount. To inquire about benefits or file a claim, cardholders can contact the provided service phone numbers. These benefits collectively enhance the value proposition for travellers and provide practical support during trips.
Fees, Eligibility, and Account Management
The TD First Class Travel Visa Infinite Card carries an annual fee of $139. This fee can be waived each year if the primary cardholder maintains a TD All-Inclusive Banking Plan. The offer for an additional cardholder involves a fee structure where the first additional card costs $50, while any subsequent additional cards added at the same time have no fee. To receive the first-year annual fee rebate for an additional cardholder, they must be added while the specific offer is in effect. Eligibility for the card follows the standards for premium Visa Infinite products, which typically include minimum personal income and credit score requirements. Cardholders can manage their account and redeem points through the TD Mobile App or the TD EasyWeb online banking portal. The card can also be added to digital wallets for mobile payments, allowing you to earn TD Rewards Points on purchases made through retail apps on your phone. This integration with mobile technology facilitates easy point earning and account management for cardholders on the go.
Comparison with TD Aeroplan Credit Cards
A key decision for Canadian consumers is choosing between the TD First Class Travel Visa Infinite Card and a TD Aeroplan Visa Infinite card. The fundamental difference lies in the rewards currency each card earns. The First Class Travel card earns flexible TD Rewards Points, while Aeroplan cards earn points within Air Canada's Aeroplan loyalty program. This distinction influences where you can earn points most effectively and how you can redeem them. The TD First Class Travel card generally offers higher everyday earn rates on categories like groceries and dining compared to most TD Aeroplan cards.
However, the value per point differs significantly. Analysis indicates that, on average, one Aeroplan point is worth 1.60 cents. In comparison, a TD Rewards Point is valued between 0.23 and 0.47 cents depending on the redemption method. The TD Aeroplan program is strongest for people who fly with Air Canada. The TD First Class Travel Visa Infinite card may be more practical for broader redemption flexibility.
| Feature | TD First Class Travel Visa Infinite | TD Aeroplan Visa Infinite (Example) |
|---|---|---|
| Rewards Currency | TD Rewards Points | Aeroplan Points |
| Top Earn Rate | 8x on Expedia For TD | Up to 2x on Air Canada |
| Welcome Offer (2026) | Up to 160,000 TD Points | Up to 50,000 Aeroplan Points |
| Annual Fee | $139 | Varies by card |
| Key Travel Benefit | $100 Annual Travel Credit | Free Checked Bag, Lounge Access |
| Points Expiry | No expiry (account in good standing) | Expire after 18 months of inactivity |
The Aeroplan program is strongest for travellers loyal to Air Canada. The TD First Class Travel Visa Infinite card offers more redemption flexibility outside of a single airline. Redemption options include travel on any carrier booked through Expedia For TD, Amazon purchases via Shop with Points, or cash credits. Your spending habits and travel preferences will determine which reward system provides better overall value.
Common Considerations for Applicants
Prospective applicants should evaluate several factors before applying for the TD First Class Travel Visa Infinite Card. The card's value is maximized for individuals who frequently book travel through the Expedia For TD platform to access the highest earn rate of eight points per dollar. It is also well-suited for those with significant spending in the bonus categories of groceries, dining, and public transit. The requirement to spend $7,500 within 180 days to earn the full welcome bonus is a substantial commitment that must be planned for. The annual fee is $139, but it can be rebated with a TD All-Inclusive Banking Plan.
- The top earn rate of 8x points is exclusive to travel booked through Expedia For TD.
- Points do not expire as long as the account remains open and in good standing.
- The card includes comprehensive travel insurance coverages.
- A new benefit of complimentary airport lounge access begins April 30, 2025.
- The welcome offer of up to 160,000 points requires meeting a $7,500 spend threshold.
It is important to review the complete terms and conditions for earning and redeeming points, as caps may apply to some bonus categories. The estimates of potential earnings and value, such as the $1,400 total value figure, are based on specific spending models and are for illustrative purposes. Consumers should compare the card's features, fees, and reward structure against their personal financial habits and travel goals to assess its suitability. This careful analysis will help determine if the card aligns with your spending patterns and redemption preferences.
Frequently asked questions
How do I earn the most points with this card?
You earn the most points by booking travel through the Expedia For TD online portal. This earns 8 TD Rewards Points per dollar spent. Other high earning categories include groceries, dining, and public transit at 6 points per dollar. Recurring bill payments and streaming services earn 4 points per dollar. All other purchases earn 2 points per dollar.
What is the difference between this card and a TD Aeroplan card?
The key difference is the rewards system. The TD First Class Travel card earns TD Rewards Points, which are flexible. TD Aeroplan cards earn Aeroplan points, which are best for redeeming for Air Canada flights. Aeroplan points can expire after 18 months of inactivity starting November 30, 2026.
What is the annual fee for the TD First Class Travel Visa Infinite Card?
The annual fee for the TD First Class Travel Visa Infinite Card is $139. Cardholders can receive an annual fee rebate every year by maintaining a TD All-Inclusive Banking Plan. Additionally, a promotional offer provides a first year annual fee rebate when you activate your card and make your first purchase within the first three months after account opening. This welcome offer can provide up to $1,400 in total value, which includes bonus points and the fee rebate. The offer terms may change or be withdrawn at any time.
Can I get the annual fee waived?
Yes, the annual fee can be waived each year you hold a TD All Inclusive Banking Plan. Furthermore, a separate promotional first year annual fee rebate is available for new cardholders. To qualify for this rebate, you must activate your card and make your first purchase within three months of account opening. The same condition applies for a rebate on the fee for the first additional cardholder. These rebates are part of a welcome offer that may be changed or withdrawn.
Do TD Rewards Points expire?
No, TD Rewards Points earned with the TD First Class Travel Visa Infinite Card do not expire. This is contingent on you remaining a cardholder and keeping your account in good standing. The policy explicitly states points do not expire as long as you are a TD First Class Travel Visa Infinite cardholder. This is a key difference from some airline loyalty points, such as Aeroplan points, which can expire after periods of inactivity.
What travel insurance does this card include?
The TD First Class Travel Visa Infinite Card includes comprehensive travel insurance coverages standard with Visa Infinite cards. Specific noted coverages include travel medical insurance, baggage delay insurance, and flight cancellation insurance. Cardholders are advised to review the official Benefit Coverages Guide for full details and conditions. These insurances contribute to the card's value for frequent travellers alongside other benefits like a potential annual travel credit and lounge access.
Sources and further reading
- TD First Class Travel Visa Infinite* Card | TD Canada Trust td.com
- TD First Class Travel® Visa Infinite* Card, overview ratehub.ca
- TD First Class Travel vs TD Aeroplan: How to Choose nerdwallet.com
This article explains how things work and is not financial, tax or legal advice. Rules, limits and rates change, so check the current figures with the Canada Revenue Agency, your province or your financial institution before you act.