Lena Hayes
The TD First Class Travel® Visa Infinite* Card is TD’s flagship TD Rewards travel card. With a headline welcome bonus of up to 165,000 TD Rewards Points, a first-year annual fee rebate, an annual $100 TD Travel Credit and Visa Airport Companion lounge access with 4 complimentary visits, it’s built for Canadians who travel regularly and want flexible, easy-to-use rewards rather than a tightly locked airline program.
Quick highlights
- 🎁 Welcome offer: up to 165,000 TD Rewards Points — 20,000 points on your first purchase, plus 145,000 points when you spend $7,500 within 180 days.
- 💳 First-year annual fee rebate for the primary cardholder (and often the first additional cardholder during the promo).
- ✈️ 8 TD Rewards Points per $1 on travel booked through Expedia® For TD, with no blackout dates or seat restrictions through the TD Rewards portal.
- 🍽 6 TD Rewards Points per $1 on groceries, dining and public transit; 4 TD Rewards Points per $1 on recurring bill payments and streaming / digital media; 2 points per $1 on everything else.
- 🎂 Annual Birthday Bonus of 10% of points earned in the previous 12 months, up to 10,000 TD Rewards Points.
- 🧳 $100 TD Travel Credit each year on your first $500+ Expedia For TD booking, plus global airport lounge access with 4 complimentary visits via Visa Airport Companion.
- 🛡 Robust travel insurance package including emergency medical, trip cancellation/interruption, flight and baggage coverage, rental car CDW, mobile device insurance and more.
Why we like the TD First Class Travel Visa Infinite Card
This card is a workhorse for TD Rewards collectors. The current promo is one of the richest ever seen on a Canadian bank travel card, with up to 165,000 TD Rewards Points, a first-year fee rebate and meaningful ongoing perks like the $100 TD Travel Credit and lounge access. If you’re willing to meet the $7,500 minimum spend over 180 days, the first-year value can be huge.
Beyond the welcome bonus, the everyday earn rates are strong: 8x on Expedia For TD travel, 6x on groceries, dining and public transit, 4x on recurring bills and streaming, and 2x on everything else. Add flexible redemptions, a birthday bonus and a robust insurance package, and you’ve got a serious all-round travel card that doesn’t tether you to a single airline.
Stand-out features
- ✅ Record-high welcome offer of up to 165,000 TD Rewards Points (20,000 on first purchase + 145,000 after $7,500 in spend within 180 days), plus first-year annual fee rebate.
- ✅ Strong earn rates: 8x on travel via Expedia For TD, 6x on groceries, dining and public transit, 4x on recurring bills and streaming, and 2x on all other purchases.
- ✅ Annual $100 TD Travel Credit when you make a $500+ Expedia For TD booking.
- ✅ Visa Airport Companion membership with global lounge access and 4 complimentary lounge visits per membership year.
- ✅ Annual Birthday Bonus of 10% of points earned in the previous 12 months (up to 10,000 points).
- ✅ Comprehensive travel and purchase insurance including emergency medical, trip cancellation/interruption, flight and baggage delays, hotel/motel burglary, rental car CDW, mobile device insurance, purchase protection and extended warranty.
- ✅ TD Rewards points are very flexible, with redemptions for travel, statement credits, Amazon.ca purchases and more.
Good to know
- ⚠️ To unlock the full 145,000-point second-tier bonus, you need to spend $7,500 within 180 days of account opening.
- ⚠️ The premium Visa Infinite designation means you’ll need at least $60,000 personal or $100,000 household annual income.
- ⚠️ The elevated 6x earn rate on groceries, dining and public transit only applies to the first $25,000 per category per year; after that, those purchases earn at the base 2x rate.
- ⚠️ Annual fee is $139 for the primary card, $50 for the first additional card and $0 for subsequent additional cards (with the first-year fee rebate often applying to the first additional card as well).
- ⚠️ Like most Canadian cards, it charges a foreign transaction fee on non-CAD purchases, so it’s not a specialist no-FX card.
Pros
- One of the richest welcome offers on a Canadian bank travel card, with up to 165,000 points plus first-year fee rebate.
- Very strong ongoing earn rates on travel via Expedia For TD and everyday categories like groceries, dining and public transit.
- Highly flexible TD Rewards program with redemptions for travel, statement credits, Amazon.ca purchases, everyday spending and more.
- $100 annual TD Travel Credit plus Visa Airport Companion membership and 4 complimentary lounge visits add real travel comfort.
- Robust insurance suite including travel medical, trip cancellation/interruption, flight delay, baggage, hotel/motel burglary, rental car CDW and mobile device insurance.
- Annual Birthday Bonus up to 10,000 points rewards ongoing use of the card.
- Points never expire as long as your account remains open and in good standing.
Cons
- The full welcome bonus requires $7,500 in spend within 180 days, which may be high for lighter spenders.
- Premium income requirement ($60,000 personal or $100,000 household) puts it out of reach for some Canadians.
- Best value is often tied to booking through Expedia For TD; if you prefer booking directly with airlines or hotels, you may not maximize the 8x earn.
- Foreign transaction fees still apply, making dedicated no-FX cards better for heavy non-CAD spending.
- Point values can be lower if used for non-travel redemptions like gift cards or merchandise instead of travel or statement credits.
- Standard high interest rates mean carrying a balance will quickly wipe out any rewards value.
Rewards program
The TD First Class Travel Visa Infinite earns TD Rewards Points, a flexible, bank-issued travel currency that works across flights, hotels, car rentals, packages and more, and can also be applied as statement credits or used for shopping.
- Travel through Expedia For TD: 8 TD Rewards Points per $1 spent on eligible travel booked online or by phone through Expedia For TD.
- Groceries, dining and public transit: 6 TD Rewards Points per $1 in these everyday categories, up to the annual category cap.
- Recurring bill payments & streaming/digital media: 4 TD Rewards Points per $1 on eligible recurring bills and subscriptions.
- All other purchases: 2 TD Rewards Points per $1 on everything else charged to the card.
- Birthday Bonus: once a year, you receive an extra 10% of the points you earned over the previous 12 months, up to 10,000 points.
How to maximize rewards
-
Plan your spend to unlock the full 165,000-point welcome bonus.
Map out your next six months of expenses — including travel, insurance, big purchases and recurring bills — to see how you can comfortably reach the $7,500 spend target without overspending just for points. -
Route as much travel as possible through Expedia For TD.
Booking flights, hotels or packages through Expedia For TD earns 8x points and lets you easily redeem TD Rewards directly at checkout. Check prices against other sites to ensure you’re still getting good value. -
Use the card for groceries, dining and transit.
Everyday life can be a powerful points engine. Charging your grocery runs, restaurant spend and transit to this card at 6x helps build your balance very quickly, especially in a larger household. -
Put recurring bills and subscriptions on the card.
Things like your phone, internet, streaming services and other recurring bills can earn 4x points with almost no extra effort. Set them to autopay on this card to steadily accumulate TD Rewards. -
Don’t forget the $100 TD Travel Credit.
Each calendar year, aim to make at least one $500+ Expedia For TD booking so you trigger the $100 credit — effectively subsidizing part of your annual fee. -
Time big trips around your Birthday Bonus.
Because the birthday boost is 10% of points earned in the previous 12 months (up to 10,000 points), heavy spend in the lead-up to your birthday can translate into a nice extra chunk of TD Rewards. -
Use points where they’re most valuable.
Redeeming for travel or statement credits towards travel usually gives better value per point than merchandise or some gift cards. When in doubt, compare how many points a redemption costs to its dollar value.
Insurance & benefits
Included coverage
- Travel medical insurance with up to $2 million in emergency medical coverage per insured person for eligible trips, with maximum trip length varying by age.
- Trip cancellation insurance that can reimburse non-refundable prepaid travel costs if you need to cancel before departure for an eligible reason (such as serious illness or family emergency).
- Trip interruption insurance if your trip is cut short or disrupted after departure for covered reasons, helping with additional travel and accommodation costs.
- Common carrier travel accident insurance providing coverage in the event of accidental death or dismemberment while travelling on a qualified carrier (plane, train, bus, ship, etc.).
- Delayed and lost baggage insurance to cover the cost of essentials if your bags are delayed, or replacement if your luggage is permanently lost or stolen while in transit.
- Flight and travel delay insurance that can help with meals, accommodation or transportation if your flight or trip is significantly delayed for covered reasons.
- Hotel/motel burglary insurance that protects personal belongings against theft from your room at eligible Canadian and U.S. properties when paid with the card.
- Auto rental collision/loss damage insurance that covers eligible rental vehicles (typically up to 48 consecutive days and below a set value threshold) when you decline the agency’s CDW and pay with the card.
- Purchase security for most new items bought with the card, protecting them against theft or damage for a set period (commonly 90 days) after purchase.
- Extended warranty that can extend the manufacturer’s warranty on eligible items purchased with the card by up to one additional year.
- Mobile device insurance providing coverage (typically up to $1,000) if your new smartphone or tablet, purchased or financed on the card, is lost, stolen or accidentally damaged.
Travel & lifestyle perks
- $100 annual TD Travel Credit on your first eligible Expedia For TD travel purchase of $500 or more each calendar year.
- Visa Airport Companion membership with global lounge access at 1,200+ lounges worldwide and 4 complimentary lounge visits per membership year, plus additional paid access and select dining/retail offers.
- TD Rewards flexibility with redemptions available for travel bookings, statement credits, eligible everyday purchases, Amazon.ca and more.
- Starbucks partnership allowing you to earn extra TD Rewards and convert points to Starbucks Rewards when you link your card.
- Additional cardholders (first additional card $50, subsequent $0) so family members can help accumulate TD Rewards faster.
- Emergency travel assistance giving you 24/7 access to help with medical referrals, lost documents, legal assistance and other issues while travelling.
- Fraud protection with chip-and-PIN, contactless payments, and zero liability protection on unauthorized transactions when you meet card conditions.
All insurance coverage is subject to eligibility criteria, limitations, exclusions and conditions set out in the official certificates of insurance. Always review those documents carefully before travelling or relying on any specific benefit.
Rates & fees
| Annual fee | $139 for the primary cardholder; first year rebated under the current promotion. |
|---|---|
| Additional cards | $50 for the first additional card; $0 for subsequent additional cards, with the first-year annual fee often rebated during the promo. |
| Purchase APR | 21.99% on purchases. |
| Cash advance APR | 22.99% on cash advances, balance transfers and similar transactions (or provincial equivalent where applicable). |
| Installment purchases | TD may offer installment or equal-payment plans on eligible purchases from time to time. Terms, interest and availability vary by offer and merchant. |
| Cash advance limit | Cash advances are subject to a portion of your credit limit and daily maximums. Interest on cash advances accrues from the transaction date with no grace period. |
| Grace period | At least a 21-day interest-free grace period on new purchases when you pay your statement balance in full by the due date. No grace period applies to cash advances or balances that aren’t paid in full. |
| Minimum payment | Typically the greater of a fixed dollar amount or a small percentage of your statement balance, plus any past-due amounts and over-limit sums, as outlined in TD’s cardholder agreement. |
| Income requirement | Minimum $60,000 personal or $100,000 household annual income to qualify for Visa Infinite eligibility. |
| Foreign transaction fee | A standard fee (commonly around 2.5%) applies on purchases in foreign currencies, converted to Canadian dollars. |
Best for
- ✈️ Frequent or committed travellers who can reasonably hit the $7,500 spend target to unlock the full welcome offer.
- 🛒 Households with significant grocery, dining and transit spend who can take advantage of the 6x earn rate in those categories.
- 🌍 Canadians who want a flexible, bank-issued rewards program rather than being locked into a single airline or hotel chain.
- 🧳 Travellers who value lounge access, travel credits and strong insurance but don’t want to pay ultra-premium card fees.
- 📱 Cardholders who appreciate perks like mobile device insurance, purchase protection and extended warranty on big-ticket purchases.
Where it falls short
- The $7,500 minimum spend to unlock the full 165,000-point bonus is steep for lighter or infrequent spenders.
- Requires a relatively high income to qualify, excluding some younger or lower-income applicants.
- The best earn rate (8x) is tied specifically to Expedia For TD; people who prefer to book directly with airlines may not maximize the card’s potential.
- Charges foreign transaction fees, so heavy international spenders may get better net value from a no-FX travel card.
- Redemptions for merchandise or some gift cards often deliver lower value per point than travel or statement credits.
- Like all rewards cards with high interest rates, carrying a balance can quickly outweigh any benefits.
Customer reviews
Positive feedback
“Between the huge welcome bonus, the first-year fee rebate and the $100 travel credit, this card more than paid for itself in the first 12 months. I booked two trips through Expedia For TD and barely paid any cash.”
“I like that I earn strong rewards on groceries and dining, not just on travel. The birthday bonus is a nice extra, and the lounge access makes airport days much more enjoyable.”
Critiques
“The spend requirement for the full bonus is pretty intense if you’re not putting most of your expenses on the card. I had to be really intentional to hit $7,500 in six months.”
“It’s a great card if you’re comfortable using Expedia For TD and travelling a few times a year. If you’re more of an occasional traveller or don’t like booking through third-party sites, some of the best features lose value.”
Community insights
Among Canadian points enthusiasts, the TD First Class Travel Visa Infinite is widely seen as a core TD Rewards card and one of the top “big bonus” offers on the market when the promo is at or near its record highs. Many people time their application to coincide with a major upcoming trip or large expenses so they can comfortably meet the $7,500 spending requirement and extract maximum value from the welcome offer.
It’s also often used as a primary everyday card for households with strong grocery, dining and transit spend, especially when paired with TD’s banking packages that rebate the annual fee in later years. On the flip side, some users prefer pairing a simpler no-fee cash-back or no-FX card with airline-specific cards rather than relying on a bank travel currency.
AI review (straight talk)
This card is a powerhouse if you actually lean into it. If you can responsibly reach the $7,500 minimum spend and you travel at least once or twice a year, the combination of a huge welcome bonus, first-year fee rebate, $100 travel credit and lounge access can deliver excellent value — easily offsetting the annual fee, even in subsequent years if you use the perks.
Where it’s less compelling is for infrequent travellers, people who dislike booking via Expedia For TD, or those who don’t want to juggle a more complex rewards structure. In those cases, a straightforward cash-back card or a lower-tier travel card might be simpler and more efficient. But for many travel-focused Canadians who qualify on income and are comfortable planning their spending, the TD First Class Travel Visa Infinite card is a very strong contender for a top spot in the wallet.
Alternatives & comparison
| Card | Annual Fee | Top Categories / Earn | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| TD First Class Travel Visa Infinite | $139 (first year rebated) | 8x on Expedia For TD travel; 6x on groceries, dining, transit; 4x on recurring bills & streaming | 2x TD Rewards Points | Up to 165,000-point welcome bonus, $100 annual travel credit, Visa Airport Companion with 4 lounge visits, robust travel insurance | Frequent travellers who want flexible TD Rewards and rich perks |
| TD Platinum Travel Visa | Lower ($89, often rebated first year) | Lower but still elevated earn on travel, groceries and recurring bills | Base TD Rewards earn | Smaller welcome bonus, simpler benefits, no Visa Infinite lounge perks | Occasional travellers or those who don’t meet Visa Infinite income requirements |
| Typical no-fee cash-back card | $0 | 2–3% back in select categories | 0.5–1% back | Simple cash rewards, no annual fee, minimal extras | Light spenders or people who prefer cash over points and rarely travel |
| No-FX travel rewards card | Often $100–$150 | 1–2x earn plus no foreign transaction fees | 1x–1.5x on everything | No FX surcharge on foreign purchases, decent insurance, some travel perks | Frequent international travellers who spend heavily in foreign currencies |
FAQ
What is the annual fee for the TD First Class Travel Visa Infinite Card?
The annual fee is $139 for the primary cardholder. Under the current offer, the first year’s annual fee is rebated. Additional cards are $50 for the first authorized user and $0 for subsequent additional cards.
What is the current welcome bonus on this card?
The current promotion offers up to 165,000 TD Rewards Points: 20,000 points when you make your first purchase, plus 145,000 points when you spend $7,500 within 180 days of opening your account. The offer also includes a first-year annual fee rebate and additional travel benefits.
How do the TD Rewards earn rates work?
You earn 8 TD Rewards Points per $1 on travel booked through Expedia For TD, 6 points per $1 on groceries, dining and public transit, 4 points per $1 on eligible recurring bill payments and streaming/digital media, and 2 points per $1 on all other purchases. On top of that, you receive an annual Birthday Bonus of 10% of points earned in the previous 12 months, up to 10,000 points.
How can I redeem TD Rewards Points?
TD Rewards Points can be redeemed for travel booked through Expedia For TD, for statement credits toward travel or other purchases, for shopping (including Amazon.ca via Shop with Points), and for a range of merchandise and gift cards. In general, using points for travel or statement credits tends to deliver the best value.
Does the card include travel insurance?
Yes. The TD First Class Travel Visa Infinite card includes a comprehensive suite of travel coverages such as emergency medical insurance, trip cancellation and interruption, common carrier travel accident, delayed and lost baggage, flight and travel delay, hotel/motel burglary, and rental car collision/loss damage, plus purchase security, extended warranty and mobile device insurance. Coverage is subject to conditions and you usually need to charge your trip or eligible items to the card.
What is the $100 TD Travel Credit and how does it work?
Once per calendar year, you receive a $100 TD Travel Credit on your first eligible travel purchase of $500 or more made through Expedia For TD and charged to the card. The credit appears on your statement after the qualifying purchase posts.
Is lounge access included with this card?
Yes. The card comes with Visa Airport Companion membership, which provides access to more than 1,200 airport lounges worldwide. You also receive 4 complimentary lounge visits per membership year; additional visits are available for a fee.
Who is the TD First Class Travel Visa Infinite card best suited for?
This card is best for Canadians who travel regularly, can meet the minimum spend for the welcome bonus, and want flexible, easy-to-use travel rewards, insurance and lounge benefits — all without committing to a top-tier ultra-premium fee.
Final verdict & ratings
Our take The TD First Class Travel Visa Infinite card is one of the strongest all-round travel rewards cards in Canada when its welcome bonus is at full strength. Between the massive points offer, $100 annual travel credit, lounge access and robust insurance, it can easily justify its annual fee for frequent travellers, especially if you’re willing to route bookings through Expedia For TD and use the card heavily for everyday spend.
It’s not the right fit for everyone — the income requirement and high minimum spend for the full bonus will rule out some users, and dedicated no-FX or airline co-branded cards may be better for specific use cases. But for many Canadians who want a flexible, premium-feeling travel card with powerful earn rates and perks, this card is absolutely worth serious consideration.
| Overall | ★★★★☆ 4.5 / 5 |
|---|---|
| Rewards value | 4.6 / 5 — excellent with the welcome offer and strong bonus categories. |
| Benefits & protections | 4.5 / 5 — comprehensive travel insurance, travel credit, lounge access and extra perks. |
| Fees & costs | 4.2 / 5 — reasonable annual fee for the benefits, especially with the first-year rebate and potential banking-plan rebates. |
| Ease of approval | 3.9 / 5 — income requirements mean it’s accessible to many but not all Canadians. |
