TD travel Visa cards are credit cards offered by Toronto-Dominion Bank that allow Canadians to earn and redeem points for travel and other rewards. The two primary families are the TD First Class Travel Visa Infinite Card, which earns flexible TD Rewards Points, and the TD Aeroplan Visa cards, which earn points within Air Canada's Aeroplan loyalty program. These cards typically offer welcome bonuses, annual fee rebates under certain conditions, and various travel-related benefits and insurance coverages. Understanding the differences in rewards systems, earning rates, and redemption options is key for Canadian consumers looking to use a credit card for travel expenses.
Core TD Travel Visa Card Families
TD Bank offers two main families of travel-focused Visa credit cards for Canadian consumers, each with a distinct rewards ecosystem. The TD First Class Travel line is centered around the TD First Class Travel Visa Infinite Card, which earns TD Rewards Points. This is a proprietary points system operated by TD, offering flexibility in how points are redeemed. The other primary family is the TD Aeroplan Visa series, which includes multiple card tiers such as the Visa Platinum, Visa Infinite, and Visa Infinite Privilege cards. These cards earn Aeroplan points, which are the loyalty currency of Air Canada's Aeroplan program. The fundamental difference lies in the rewards system. Aeroplan is an airline loyalty program, while TD Rewards is a bank-operated points program. Each family has its own set of cards with varying annual fees, welcome offers, and benefit structures designed for different spending habits and travel goals.
TD First Class Travel Visa Infinite Card Details
The TD First Class Travel Visa Infinite Card is a premium travel rewards card with an annual fee of $139. It is designed to earn TD Rewards Points at accelerated rates across several everyday spending categories. Cardholders can earn eight TD Rewards Points for every dollar spent on travel bookings made through the Expedia for TD online platform. For purchases in the categories of groceries, dining, and public transit, the card earns six points per dollar spent. Recurring bill payments and spending on streaming, digital gaming, and media earn four points per dollar. All other purchases made with the card earn two TD Rewards Points per dollar spent. The card also provides an annual Birthday Bonus of up to 10,000 TD Rewards Points. A key feature is that TD Rewards Points do not expire as long as the cardholder maintains an account in good standing. The card was chosen as the Best Travel Rewards Card by Milesopedia in 2026.
Beyond earning points, the card includes several travel benefits and insurance coverages. It offers a $100 annual TD Travel Credit when booking through Expedia for TD. Starting April 30, 2025, the card will include complimentary airport lounge access, specifically four complimentary Visa Airport Companion lounge visits per year. The card comes with a suite of travel insurance benefits, which have been recognized, as it was chosen as the Best Credit Card for Travel Insurance by Prince of Travel in 2023. The welcome offer for this card can provide up to $1,400 in value, including up to 160,000 TD Rewards Points and a first-year annual fee rebate, subject to specific conditions and the offer being in effect at the time of application. Additional cardholder fees are $50 for the first additional cardholder and $0 for any subsequent additional cardholders added to the account.
TD Aeroplan Visa Card Options and Features
The TD Aeroplan Visa cards are co-branded with Air Canada's Aeroplan program and come in several tiers to suit different needs. The entry-level option is the TD Aeroplan Visa Platinum Card, which has an annual fee of $89 and offers a welcome bonus of 10,000 Aeroplan points upon first purchase, with the potential to earn an additional 10,000 points by spending $1,500 within 90 days of account opening. The core card is the TD Aeroplan Visa Infinite Card, which offers a welcome bonus of up to 50,000 Aeroplan points and additional travel benefits. The premium offering is the TD Aeroplan Visa Infinite Privilege Card, which provides the highest level of benefits, including enhanced lounge access and faster progress toward Aeroplan Elite Status, for an annual fee of $599. These cards are part of a group that TD designates as TD Aeroplan credit cards, all of which earn Aeroplan points.
All TD Aeroplan Visa cards share a common rewards structure tied to the Aeroplan program. Cardholders typically earn one Aeroplan point for every eligible dollar spent with Air Canada, including Air Canada Vacations, and on gas, electric vehicle charging, and grocery purchases. For all other everyday purchases, the earn rate is one Aeroplan point for every $1.50 spent. A significant benefit for Aeroplan members is the ability to earn points twice when using the TD Aeroplan credit card and providing an Aeroplan number at over 150 partner brands and 170-plus online retailers via the Aeroplan eStore. Cardholders also save 15 percent on Air Canada flight rewards when redeeming points for flights. It is important to note that, effective November 30, 2026, Aeroplan points will expire after 18 months of account inactivity. The terms and conditions for these cards are provided by TD, with interest rates, fees, and features effective as of September 1, 2026, unless otherwise indicated.
Earning Rates and Reward Values Compared
The earning structures and point values differ significantly between the TD First Class Travel and TD Aeroplan card families, which is a crucial consideration for Canadian cardholders. The TD First Class Travel Visa Infinite Card offers higher multiplier rates on specific categories, such as 8x points on Expedia for TD travel and 6x points on groceries and dining. However, the monetary value of each point type varies. Analysis indicates the average value of an Aeroplan point for travel bookings is $0.0144. A TD Rewards Point is valued at $0.005 when redeemed for travel purchases on the Expedia for TD platform.
The following table compares the key earning and value metrics for the primary cards in each family, based on information effective as of September 2026. The TD First Class Travel Visa Infinite Card can earn up to $1,400 in value, including up to 160,000 TD Rewards Points, and offers an Annual Fee rebate for the first year. The TD Aeroplan Visa Infinite Card offers up to $1,550 in value including up to 50,000 Aeroplan points and an Annual Fee rebate for the first year. The TD Platinum Travel Visa Card offers up to $370 in value, including up to 50,000 TD Rewards Points and an Annual Fee rebate for the first year.
| Card Feature | TD First Class Travel Visa Infinite | TD Aeroplan Visa Infinite |
|---|---|---|
| Primary Rewards Currency | TD Rewards Points | Aeroplan Points |
| Top Earn Rate | 8x points (Expedia for TD) | 1x point (Air Canada, groceries, gas) |
| Point Value (Travel) | $0.005 per point | $0.0144 per point (average) |
| Points Expiry | Do not expire | Expire after 18 months of inactivity |
| Welcome Offer (Points) | Up to 160,000 TD Points | Up to 50,000 Aeroplan Points |
The main difference between the TD First Class Travel Visa Infinite Card and TD Aeroplan cards is the rewards system. Aeroplan is Air Canada's reward program, while the TD First Class Travel card earns TD Rewards Points. The TD First Class Travel Visa Infinite Card earns between two and eight TD Rewards Points per dollar spent, with its highest rate for travel booked through Expedia for TD. TD Aeroplan points can be used for flights and other travel via Air Canada's platform. Other cards that earn TD Rewards Points include the TD Platinum Travel Visa Card, the TD Travel Rewards Visa, and the TD Business Travel Visa Card.
Redemption Options for Earned Points
Cardholders have multiple avenues for redeeming points earned from TD travel Visa cards, which is a major factor in their utility. For TD Rewards Points earned with the TD First Class Travel Visa Infinite Card, the primary redemption method is for travel booked through the Expedia for TD website, where points are valued at $0.005 each. Points can also be redeemed for purchases on Amazon.ca using the Amazon Shop with Points feature. Furthermore, points can be used to pay down the credit card account balance directly through the TD Mobile app or TD EasyWeb online banking. Points can be converted for use with other partners, such as obtaining a 50 percent boost when linked to a Starbucks Rewards account or converting them for educational expenses through the HigherEdPoints loyalty program.
For Aeroplan points earned with TD Aeroplan Visa cards, redemption is focused on the Aeroplan platform. The most common use is for booking flights on Air Canada and its partner airlines, where cardholders also receive a 15 percent savings on flight reward redemptions. Points can also be redeemed for hotel stays, car rentals, vacation packages through Air Canada Vacations, and for merchandise. The Aeroplan program is closely integrated with Air Canada, offering benefits like flight upgrades and in-flight Wi-Fi purchases with points. A key operational rule for Aeroplan points is that, under a policy taking effect November 30, 2026, points will expire if there is no account activity for a period of 18 months. Activity that resets the expiry timer includes earning points from spending, partner transfers, or redeeming points for any reward.
Eligibility, Fees, and Key Conditions
Obtaining and maintaining a TD travel Visa card involves meeting eligibility criteria set by the bank and adhering to specific conditions for bonuses and benefits. Approval for any TD credit card account is at the sole discretion of TD Bank. For welcome offers and annual fee rebates, strict timing conditions apply. To receive a first-year annual fee rebate, the primary cardholder must activate their new card and make the first purchase on the account within the first three months after the account opening date. For TD Aeroplan cards, the welcome bonus of 10,000 points is awarded after the first eligible purchase, and an additional 10,000-point bonus typically requires spending $1,500 within 90 days of account opening. Offers may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Annual fees vary by card. The TD Platinum Travel Visa Card has an annual fee of $89. The TD First Class Travel Visa Infinite Card has an annual fee of $139. The TD Aeroplan Visa Infinite Card also carries a $139 annual fee, while the TD Aeroplan Visa Infinite Privilege Card has a $599 annual fee. Interest rates for purchases on these cards are typically 21.99 percent, with cash advance rates at 22.99 percent. A significant benefit for TD customers is the potential to have the annual fee waived on many premium TD cards, including travel cards, if the cardholder also maintains a TD All-Inclusive Banking Plan. This plan requires a minimum balance of $5,000 in the linked chequing account to avoid monthly fees. The bank employs approximately 85,000 people and serves over 22 million clients worldwide, with 11 million customers in Canada.
Common Considerations for Canadian Applicants
When evaluating TD travel Visa cards, Canadians should consider several practical factors beyond the welcome bonus. The choice between a TD First Class Travel card and a TD Aeroplan card often hinges on travel preferences and spending patterns. The TD First Class Travel Visa Infinite Card is particularly strong for individuals who frequently book travel through Expedia and want higher point earnings on everyday categories like groceries and dining. Its points never expire and offer redemption flexibility beyond travel. Conversely, the TD Aeroplan Visa cards are ideal for frequent Air Canada flyers who value airline-specific perks such as free checked bags, priority boarding, lounge access on higher-tier cards, and the ability to earn status. The Aeroplan points, while potentially more valuable per point, have an expiry policy.
Applicants should also review the full suite of insurance benefits, which commonly include travel medical insurance, baggage delay, and flight cancellation coverage. It is crucial to read the Benefit Coverages Guide for specific limits and exclusions. Another consideration is the additional cardholder fee. For the TD First Class Travel Visa Infinite Card, the fee for the first additional cardholder is $50, with no fee for subsequent additional cardholders. For the TD Aeroplan Visa Infinite Card, the annual fee rebate can apply to up to three additional cardholders in the first year. All offers, including welcome bonuses and fee rebates, are subject to change or withdrawal at any time and cannot be combined with other offers unless explicitly stated. Cardholders can also enjoy special offers from TD and merchants, and for a limited time, Aeroplan cardholders may receive a free Uber Pass membership for three months.
Frequently asked questions
What is the difference between TD First Class Travel and TD Aeroplan cards?
The core difference is the rewards system. TD First Class Travel cards earn TD Rewards Points, a flexible bank currency redeemable for travel on Expedia, Amazon purchases, or as a credit against your bill. TD Aeroplan cards earn Aeroplan points, which are Air Canada's loyalty points best used for flights and travel with Air Canada and its partners. TD First Class Travel offers higher earn multipliers on categories like groceries and Expedia travel, while Aeroplan points generally have a higher monetary value per point.
Do TD Rewards Points or Aeroplan points expire?
TD Rewards Points do not expire as long as you remain a cardholder with an account in good standing. Aeroplan points, however, are subject to an expiry policy. Effective November 30, 2026, Aeroplan points will expire if there is no activity in your Aeroplan account for a continuous 18-month period. Activity includes earning or redeeming points.
What are the main benefits of the TD First Class Travel Visa Infinite Card?
The TD First Class Travel Visa Infinite Card lets you earn TD Rewards Points on purchases. You earn 8 TD Rewards Points for every dollar you spend when you book travel through Expedia For TD. You earn 6 TD Rewards Points for every dollar you spend on Groceries, Dining, and Public Transit. You earn 4 TD Rewards Points for every dollar you spend on Recurring Bill Payments and Streaming, Digital Gaming and Media. You earn 2 TD Rewards Points for every dollar you spend on other Purchases. Starting April 30, 2025, the card will offer new benefits, including complimentary airport lounge access. The card includes travel insurance coverages.
Who should consider a TD Aeroplan Visa card?
TD Aeroplan Visa cards are for people who want to earn Aeroplan points. Aeroplan is Air Canada's reward program. You can use the points to buy things like flights, hotel rooms, car rentals, and merchandise via Air Canada's Aeroplan redemption platform. Cardholders save 15 percent on Air Canada flight rewards when they redeem for Air Canada flights.
How do I get the annual fee waived on a TD travel credit card?
You can get an annual fee rebate every year with a TD All Inclusive Banking Plan. This applies to eligible TD travel credit cards. For example, the TD First Class Travel Visa Infinite Card offers this benefit. To avoid the monthly account fee for the banking plan, you must maintain a minimum balance of $5,000 in your chequing account. This is a key feature that makes many premium TD credit cards more appealing. The specific conditions for receiving the rebate are detailed in the account agreement between the cardholder and TD.
What is required to get the first-year annual fee rebate and welcome bonus?
To receive the first year annual fee rebate, you must activate your card and make your first purchase on the account within the first three months after account opening. For a TD Aeroplan Visa Platinum card, a welcome bonus includes 10,000 Aeroplan points after the first purchase. An additional 10,000 Aeroplan points are awarded if you spend $1,500 within 90 days of account opening. The annual fee rebate also applies for up to three additional cardholders if they are added while the offer is in effect. All offers are subject to conditions and may be changed or withdrawn.
Sources and further reading
- TD First Class Travel Visa Infinite* Card | TD Canada Trust td.com
- TD Aeroplan Personal Credit Cards aircanada.com
- TD First Class Travel vs TD Aeroplan: How to Choose nerdwallet.com
- The best TD credit cards in Canada 2026 ratehub.ca
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.