TD First Class Travel Visa Infinite
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The TD First Class Travel® Visa Infinite* Card is tailored for avid travelers, providing high reward points on purchases and a range of comprehensive travel benefits. This card enhances your travel experiences by offering substantial rewards and valuable perks for frequent travelers.
Welcome Offer
Earn up to 75,000 TD Rewards Points and enjoy a first-year annual fee rebate for both the primary cardholder and one additional cardholder. This offer boosts your rewards while eliminating initial fees, making your travel more rewarding and cost-effective.
Summary
This credit card has an annual fee of $139, waived for the first year, allowing you to enjoy its benefits without an initial cost. It features a 20.99% interest rate on purchases and a 22.99% rate on cash advances. You can get additional cards, with the first card costing $50 and no fee for subsequent cards, making it economical to share the card’s benefits with others.
Rewards
This credit card offers an attractive rewards program, especially for those who travel frequently. You’ll earn 8 TD Rewards Points for every dollar spent on travel bookings through ExpediaForTD.com, maximizing your points on travel expenses. For groceries and dining, you earn 6 points per dollar, making everyday purchases more rewarding. Recurring bill payments earn 4 points per dollar, and all other purchases earn 2 points per dollar. This tiered rewards system allows you to accumulate points quickly across a variety of spending categories.
Benefits
This credit card comes with a $100 annual TD Travel Credit, helping offset travel expenses. Enjoy Visa Infinite benefits, including concierge services, access to a luxury hotel collection, and exclusive dining series events. On your birthday, you receive bonus points as an extra reward. Additionally, you’ll have exclusive access to special deals through ExpediaForTD.com, enhancing your travel planning and savings.
Insurance
- Travel Medical Insurance.
- Trip Cancellation/Interruption Insurance.
- Flight/Trip Delay Insurance.
- Delayed and Lost Baggage Insurance.
- Auto Rental Collision/Loss Damage Insurance.
Editor’s Review
TD First Class Travel® Visa Infinite* Card Review
General Overview
The TD First Class Travel® Visa Infinite* Card is tailored for avid travelers, providing high reward points on purchases and a range of comprehensive travel benefits. This card enhances your travel experiences by offering substantial rewards and valuable perks for frequent travelers.
Interest Rates
- Purchase APR: 20.99%
- Cash Advance APR: 22.99%
Welcome Offer
- Up to 75,000 TD Rewards Points: Plus, a first-year annual fee rebate for both the primary cardholder and one additional cardholder.
Rewards Program
- 8 TD Rewards Points: Per dollar spent on travel bookings through ExpediaForTD.com.
- 6 TD Rewards Points: Per dollar spent on groceries and dining.
- 4 TD Rewards Points: Per dollar spent on recurring bill payments.
- 2 TD Rewards Points: Per dollar spent on all other purchases.
Fees
- Annual Fee: $139 (waived for the first year)
- Additional Cards: First additional card $50, subsequent cards free.
Benefits
- $100 Annual TD Travel Credit: To help offset travel expenses.
- Visa Infinite Perks: Concierge services, access to a luxury hotel collection, and exclusive dining series events.
- Birthday Bonus Points: Receive bonus points as an extra reward on your birthday.
- Exclusive Deals: Access special deals through ExpediaForTD.com.
Insurance Coverage
- Travel Medical Insurance: Coverage available.
- Trip Cancellation/Interruption Insurance: Coverage available.
- Flight/Trip Delay Insurance: Coverage available.
- Delayed and Lost Baggage Insurance: Coverage available.
- Auto Rental Collision/Loss Damage Insurance: Coverage available.
Security Features
- Standard Visa security measures, including fraud monitoring and zero liability protection.
Pros and Cons
Pros:
- Generous welcome offer with first-year fee rebate
- High reward rates on travel, groceries, and dining
- Comprehensive travel and purchase insurance
- $100 annual TD Travel Credit
- Exclusive Visa Infinite perks and birthday bonus points
Cons:
- Annual fee of $139 after the first year
- Higher interest rates on purchases and cash advances
- Additional card fee of $50 for the first additional card
Who is this card for?
This card is ideal for frequent travelers who:
- Want to maximize rewards on travel, groceries, and dining.
- Value comprehensive travel insurance coverage.
- Appreciate exclusive travel and lifestyle benefits.
- Plan to book travel through ExpediaForTD.com to earn maximum rewards.
Comparison with Similar Cards
| Feature | TD First Class Travel® Visa Infinite* Card | Scotiabank Gold American Express | RBC Avion Visa Infinite Business |
|---|---|---|---|
| Annual Fee | $139 (waived first year) | $120 | $175 |
| Purchase APR | 20.99% | 19.99% | 19.99% |
| Cash Advance APR | 22.99% | 22.99% | 22.99% |
| Rewards | 8x on ExpediaForTD.com, 6x on groceries, dining, 4x on recurring bills, 2x on other purchases | 5x on groceries, dining, 3x on gas, transit, 1x on other purchases | 1.25x on all purchases |
| Welcome Offer | Up to 75,000 points | Up to 30,000 points | Up to 25,000 points |
| Travel Insurance | Comprehensive | Comprehensive | Comprehensive |
Final Verdict
The TD First Class Travel® Visa Infinite* Card is a standout option for frequent travelers who want to earn high rewards on travel and everyday purchases. With a substantial welcome offer, high reward rates, and comprehensive travel insurance, this card provides significant value. The additional perks, such as the $100 annual TD Travel Credit and Visa Infinite benefits, further enhance the card’s appeal. Despite the annual fee after the first year, the rewards and benefits can easily outweigh the cost for avid travelers.
Overall Score: 9/10
Disclaimer: Refer to the official credit card web page for the latest rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.
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