TD travel credit cards are Visa credit cards issued by TD Canada Trust that allow cardholders to earn points on purchases, which can be redeemed for travel and other rewards. These cards are designed for Canadians who want to accumulate rewards on everyday spending, with specific cards like the TD First Class Travel Visa Infinite and the TD Aeroplan Visa Infinite offering distinct points systems and benefits. The main distinction lies in the type of points earned: TD Rewards Points for flexible redemptions or Aeroplan points for travel primarily with Air Canada. Understanding the features, fees, and reward structures of these cards is essential for Canadians looking to maximize the value of their spending.
Core TD Travel Credit Card Products
TD offers two primary families of travel credit cards: those earning TD Rewards Points and those earning Aeroplan points. The flagship TD Rewards Points card is the TD First Class Travel Visa Infinite Card. This card earns TD Rewards Points on all purchases, with accelerated rates in specific categories. The TD Aeroplan portfolio consists of several cards, including the entry-level TD Aeroplan Visa Platinum Card and the premium TD Aeroplan Visa Infinite Card. These cards earn Aeroplan points, which are the loyalty currency of Air Canada's Aeroplan program. While both families offer travel insurance benefits and welcome bonuses, their reward ecosystems and partner networks differ significantly.
The TD First Class Travel Visa Infinite Card is the sole card bearing the First Class Travel name, but other TD cards like the TD Platinum Travel Visa Card also earn TD Rewards Points. The TD Aeroplan family includes multiple card tiers, each with varying benefits, annual fees, and earn rates tailored to different spending levels and travel habits. For instance, the TD Aeroplan Visa Infinite Privilege Card is a premium option with a higher annual fee and enhanced travel perks like extensive lounge access. The choice between a TD Rewards card and an Aeroplan card fundamentally depends on whether a cardholder prefers the flexible redemption options of TD Rewards or the airline-focused benefits of the Aeroplan program.
Earning Rewards and Points Structures
TD travel credit cards offer multiple points per dollar spent, with rates varying by purchase category and card type. The TD First Class Travel Visa Infinite Card provides one of the highest earn rates within TD's portfolio for specific spending. Cardholders earn 8 TD Rewards Points for every dollar spent on travel bookings made through the Expedia for TD online platform. Purchases in the groceries, dining, and public transit categories earn 6 TD Rewards Points per dollar. Recurring bill payments and spending on streaming, digital gaming, and media yield 4 TD Rewards Points per dollar. All other purchases made with the card earn 2 TD Rewards Points per dollar.
In contrast, TD Aeroplan cards typically earn a simpler, flat rate of Aeroplan points, often with a bonus on Air Canada purchases and everyday categories. For example, the TD Aeroplan Visa Infinite Card earns 1 Aeroplan point per dollar spent on eligible Air Canada purchases, including Air Canada Vacations, as well as on gas, electric vehicle charging, and grocery purchases. All other everyday purchases earn 1 Aeroplan point for every $1.50 spent. Both card families offer opportunities to earn points twice through partner programs, such as using the Aeroplan eStore for online shopping with TD Aeroplan cards or linking a TD Rewards card to a Starbucks rewards account for bonus points.
- TD First Class Travel: 8x points on Expedia for TD travel.
- TD First Class Travel: 6x points on groceries, dining, public transit.
- TD First Class Travel: 4x points on recurring bills and digital media.
- TD First Class Travel: 2x points on all other purchases.
- TD Aeroplan Infinite: 1x point on Air Canada, gas, EV charging, groceries.
- TD Aeroplan Infinite: 1 point per $1.50 on all other purchases.
- Both: Bonus points through partner networks and welcome offers.
Redeeming Points for Travel and Other Rewards
The redemption options for TD travel credit card points define their utility and potential value. TD Rewards Points earned with the TD First Class Travel Visa Infinite Card can be redeemed in several ways. The primary travel redemption method is booking flights, hotels, and car rentals through the Expedia for TD portal, where points are valued at $0.005 each. Points can also be used for shopping on Amazon.ca via the Shop with Points feature. Cardholders can redeem points to pay down their credit card account balance through the TD Mobile App or TD EasyWeb or apply them as a credit against recent purchases posted to their account.
Aeroplan points from TD Aeroplan cards are redeemed through the Aeroplan platform, primarily for flights on Air Canada and its Star Alliance partners. Redemptions can also include hotel stays, car rentals, vacation packages, flight upgrades, and in-flight Wi-Fi. Aeroplan points generally hold a higher average value for travel bookings, estimated at $0.0144 per point, compared to the $0.005 per point value of TD Rewards Points on Expedia for TD. However, TD Rewards Points offer broader non-travel redemption flexibility, including for gift cards, cash credits, and contributions to registered education savings plans through the HigherEdPoints loyalty program.
Fees, Welcome Offers, and Annual Fee Rebates
TD travel credit cards carry annual fees that vary by card tier. The TD First Class Travel Visa Infinite Card has an annual fee of $139. TD Aeroplan card annual fees range from $0 for some basic cards to $599 for the premium TD Aeroplan Visa Infinite Privilege Card. A significant benefit for many TD cardholders is the potential to have the annual fee waived. This is possible by holding a TD All-Inclusive Banking Plan and maintaining a minimum balance of $5,000 in the linked chequing account. Without this plan, the annual fee is charged to the credit card account.
Welcome offers are a standard feature to attract new applicants. The TD First Class Travel Visa Infinite Card promotion can provide up to 160,000 TD Rewards Points. The TD Aeroplan Visa Infinite Card offer includes up to 50,000 Aeroplan points. These welcome bonuses are typically coupled with a first-year annual fee rebate for the primary cardholder and up to three additional cardholders. To qualify for the first-year fee rebate, the primary cardholder must activate the card and make the first purchase on the account within the first three months after account opening. Additional cardholders must be added during the offer period to receive their fee rebate.
| Card | Annual Fee | Welcome Offer (Points) | First-Year Fee Rebate |
|---|---|---|---|
| TD First Class Travel Visa Infinite | $139 | Up to 160,000 TD Rewards Points | Yes, conditions apply |
| TD Aeroplan Visa Infinite | Varies | Up to 50,000 Aeroplan Points | Yes, conditions apply |
| TD Aeroplan Visa Infinite Privilege | $599 | Varies | Yes, conditions apply |
Travel Insurance and Additional Card Benefits
TD travel credit cards include a suite of travel insurance benefits, which are a key consideration for cardholders. Common coverages across both TD First Class Travel and TD Aeroplan cards include emergency travel medical insurance, trip cancellation and interruption insurance, baggage delay insurance, and flight delay insurance. These insurances provide financial protection against unforeseen events during travel, such as medical emergencies abroad or cancelled flights. The specific limits, conditions, and eligibility requirements for these insurance benefits are detailed in the Benefit Coverages Guide provided with the card.
Beyond insurance, each card family offers unique additional perks. The TD First Class Travel Visa Infinite Card provides a $100 annual TD Travel Credit when booking through Expedia for TD and includes four complimentary visits to Visa Airport Companion lounges per year. TD Aeroplan cards offer benefits tied to Air Canada, which may include free checked bags, priority boarding, NEXUS application fee rebates, and access to Air Canada Maple Leaf Lounges depending on the card tier. Some cards also feature partner offers, such as a free trial of Uber One membership or enhanced earning when linked to a Starbucks rewards account.
Application Process and Eligibility Considerations
Applying for a TD travel credit card follows a standard process through TD Canada Trust. The first step is choosing the specific card that aligns with your spending habits and reward redemption goals. The application can be submitted online, by phone, or in person at a TD branch. Applicants typically receive an instant response regarding their application status. Approval is at the sole discretion of TD and is based on the applicant's credit history, income, and other financial factors. If approved, the cardholder's use of the account is governed by the account agreement provided by TD.
Eligibility for welcome bonuses and fee rebates often has specific conditions. For example, to be eligible for the TD Aeroplan Visa Platinum Card welcome offer, an applicant must not have opened any TD Aeroplan Visa Card account in the 12 months preceding the application. The issuance of bonus points is also subject to the general terms and conditions of the Aeroplan program. For all cards, the primary cardholder must activate the card and make the first purchase within three months of account opening to qualify for the first-year annual fee rebate. Offer details, interest rates, and fees are subject to change, with some terms effective as of September 1, 2026.
- Step 1: Choose the card based on rewards and benefits.
- Step 2: Submit application online, by phone, or in branch.
- Step 3: Receive an instant response on application status.
- Condition: First purchase must be made within 3 months of opening for fee rebate.
- Condition: No recent Aeroplan card account for some welcome offers.
- Condition: Account must be in good standing for benefits.
Comparing TD Rewards Points and Aeroplan Points
The choice between a TD Rewards Points card and an Aeroplan card hinges on understanding the fundamental differences between the two loyalty systems. TD Rewards Points are a flexible currency that can be redeemed for travel through Expedia for TD, for shopping on Amazon, for gift cards, or as cash credits. The value of a TD Rewards Point is fixed at $0.005 when redeemed for travel on Expedia for TD, though other redemption methods may yield different values. Aeroplan points are designed primarily for flight redemptions with Air Canada and its partners, with an average value estimated at $0.0144 per point for travel bookings, which is generally higher than the fixed TD Rewards Point value.
TD First Class Travel cards typically offer higher earn rates on everyday spending categories like groceries and dining compared to most TD Aeroplan cards. However, the highest earn rate on the TD First Class Travel card is exclusively for bookings made through Expedia for TD. Aeroplan cards may offer more valuable points for frequent Air Canada flyers, especially with benefits like free checked bags and lounge access. The TD First Class Travel card is often cited as suitable for frequent travellers who use Expedia and want flexible redemption options, while TD Aeroplan cards are geared toward individuals loyal to Air Canada who seek to maximize airline-specific perks.
Frequently asked questions
What is the difference between TD First Class Travel and TD Aeroplan cards?
The core difference is the type of rewards points earned. TD First Class Travel cards earn TD Rewards Points, which are flexible and can be redeemed for travel through Expedia for TD, on Amazon, or as cash credits. TD Aeroplan cards earn Aeroplan points, which are Air Canada's loyalty currency and are best redeemed for flights with Air Canada and its partners. The benefits and earn rates are also structured differently, with each card family catering to different spending and travel patterns.
Do TD Rewards Points expire?
TD Rewards Points do not expire as long as you are a cardholder of an eligible TD Rewards credit card, such as the TD First Class Travel Visa Infinite Card, and your account is in good standing. This policy applies specifically to points earned with that card. The points remain valid for redemption as long as the account is active and in good standing. This is a distinct feature compared to some other loyalty programs where points can expire after a period of inactivity.
How can I avoid paying the annual fee on my TD travel credit card?
You can avoid paying the annual fee by holding a TD All Inclusive Banking Plan. TD will rebate the annual fee on many of its premium cards for customers with this plan. To qualify for the banking plan without a monthly fee, you must maintain a minimum balance of $5,000 in your linked TD chequing account. This offer provides a way to access premium credit card benefits without the annual cost, provided you can meet the banking plan's balance requirements.
What travel insurance comes with TD travel credit cards?
TD travel credit cards include valuable travel insurance benefits such as Emergency Travel Assistance Services. They also typically provide coverage for baggage delay and flight cancellation. These insurance perks are common across cards like the TD First Class Travel Visa Infinite and TD Aeroplan Visa Infinite cards. Cardholders should review the detailed Benefit Coverages Guide provided with their card for specific terms, conditions, and coverage limits.
How do I apply for a TD travel credit card?
You can apply for a TD travel credit card in three steps. First, choose the specific card that fits your needs. Second, submit your application through TD's channels. Third, you will receive an instant response regarding your application status. This streamlined process is designed for convenience, allowing you to quickly get started with earning travel rewards on your everyday purchases.
What is the welcome offer for the TD First Class Travel Visa Infinite Card?
The welcome offer includes up to 160,000 TD Rewards Points and a first year annual fee rebate, with a total potential value of up to $1,400. To receive the first year annual fee rebate, you must activate your card and make your first purchase within the first three months after account opening. The offer also provides additional travel benefits. This card was chosen as the Best Travel Rewards Card by Milesopedia in 2026. The welcome bonus points and fee waiver offer significant initial value for new cardholders interested in flexible travel rewards.
Sources and further reading
- TD First Class Travel Visa Infinite* Card | TD Canada Trust td.com
- TD First Class Travel vs TD Aeroplan: How to Choose nerdwallet.com
- The best TD credit cards in Canada 2026 ratehub.ca
- TD Aeroplan Personal Credit Cards aircanada.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.