Travel credit cards are our bread and butter at Frugal Flyer, and Canadians are lucky to have several great options to choose from.
The TD First Class Travel® Visa Infinite* Card is one of our favorite choices. The card has strong earning rates, a couple of valuable benefits, and an easy-to-redeem loyalty program currency that every cardholder can find value in.
Let’s take a look at everything you need to know about the TD First Class Travel Visa Infinite Card to see if it’s worth adding to your wallet.
Overview
Welcome Bonus
The TD First Class Travel® Visa Infinite* Card currently has a welcome bonus in which new cardholders can earn up to 85,000 TD Rewards Points.
- Earn 20,000 TD Rewards points upon first purchase†
- Earn 65,000 TD Rewards points upon spending $5,000 in the first 180 days†
- Earn up to 10,000 TD Rewards points on your birthday†
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with the Visa Airport Companion Program†
The TD First Class Travel® Visa Infinite* Card earns 8x TD Rewards on purchases at Expedia for TD, plus a $100 Expedia for TD credit and TD Rewards birthday bonus.
Check out our TD First Class Travel® Visa Infinite* Card review for more information.
85,000 TD Rewards
$5,000
$425+
$139.00 (FYF)
Yes
–
†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
This offer is not available for residents of Quebec.
The TD First Class Travel Visa Infinite card has an annual personal income requirement of $60,000 or an annual household income requirement of $100,000.
Earning Rates
The TD First Class Travel Visa Infinite Card earns TD Rewards Points for all eligible purchases made on the card at the following rates:
- Earn 8 TD Rewards Points for every dollar spent on purchases at Expedia® for TD.
- Earn 6 TD Rewards Points for every dollar spent on eligible grocery and restaurant purchases.
- Earn 4 TD Rewards Points for every dollar spent on regularly recurring bill payments.
- Earn 2 TD Rewards Points for every dollar spent on all other purchases.
There is an annual spending cap of $25,000 for the grocery, restaurant, and recurring bill payment categories. Once the cap is met for any of these categories, all future purchases in these categories will earn the standard 2 TD Rewards Points per dollar spent for the remainder of the annual period.
Annual Fee
The TD First Class Travel Visa Infinite card has an annual fee of $139.00. This is similar to the annual fee that is charged on other Visa Infinite credit cards in Canada. However, there are often welcome offers on the card that include an annual fee rebate, so check the terms of the offer before you apply.
Customers who have a TD Unlimited Chequing Account or a TD All-Inclusive Banking Account can also receive a rebate on the annual fee; double-check the details of your banking account to understand how this benefit works.
The TD All-Inclusive Banking account offers unlimited debit and Interac e-Transfer transactions. Account holders are entitled to receive a full annual fee rebate on an eligible TD Canada Trust credit card (up to $139), in addition to a free small safety deposit box and more.
Up to $450 welcome bonus
Chequing
Monthly fee waived with a minimum daily closing balance of $5,000 $29.95
Benefits
The TD First Class Travel Visa Infinite card offers a number of benefits in addition to a suite of insurance coverages.
Annual TD Rewards Points Birthday Bonus
TD First Class Travel Visa Infinite Card cardholders can receive up to 10,000 TD Rewards Points as an annual birthday bonus.
The birthday bonus is calculated as 10% of the total TD Rewards Points earned over the 12 months preceding the cardholder’s birthday. Only TD Rewards Points earned on the First Class Travel Visa Infinite Card count towards the bonus.
Annual TD Travel Credit for Expedia for TD
TD First Class Travel Visa Infinite Card cardholders will receive an annual $100 travel credit when booking travel arrangements through Expedia for TD. Eligible travel purchases include:
- A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500 CAD or more
- A Vacation Package Purchase of $500 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging, or Vacation Rental booking packaged with a transportation booking.
It is important to note that flight bookings are not eligible for this credit, so plan accordingly before booking to avoid disappointment.
Insurance Coverage
The TD First Class Travel Visa Infinite credit card offers the following insurance coverages:
- Travel medical insurance: $2,000,000 for an insured person under 65 for the first 21 consecutive days of out-of-province travel; 4 days if over age 65
- Trip cancellation insurance: $1,500 per person, up to $5,000 for insured persons on the same trip
- Trip interruption insurance: $5,000 per person, up to $25,000 for insured persons on the same trip
- Flight and trip delay insurance: $500 in coverage per insured person if your flight/trip is delayed for over 4 hours
- Delayed and lost baggage insurance: $1,000 overall coverage per insured person for essential purchases when baggage is delayed for 6 hours or more
- Common carrier travel accident insurance: Up to $500,000 of coverage for covered losses while traveling on a common carrier
- Rental car collision and loss damage coverage: Comprehensive coverage for cars up to $65,000 MSRP
- Hotel and motel burglary insurance: Up to $2,500 coverage per occurrence for eligible personal stolen items
- Purchase security: Coverage for accidental physical damage or theft for 120 days from the date of purchase
- Extended warranty protection: Extend the manufacturer’s original warranty up to one additional year
- Mobile device insurance: $1,000 coverage for theft, loss, or accidental damage to your mobile device
Conditions apply to each of the insurances mentioned above. Refer to the TD First Class Travel Visa Infinite card insurance certificate for additional details, including terms and conditions for eligibility.
Redeeming TD Rewards Points
TD Rewards Points can be redeemed for travel, merchandise, gift cards, a statement credit, or an education credit.
The best way to redeem TD Rewards Points is to use them on Expedia for TD towards travel bookings, including flights, hotels, car rentals, all-inclusive vacations, cruises, train travel, and other travel activities. TD Rewards Points are worth 0.5 cents per point when redeeming through Expedia for TD, making this the highest value option you can receive from your points.
If you aren’t interested in using Expedia for TD, the next best redemption for your TD Rewards Points is to use them towards “Book Any Way” travel expenses at a rate of 0.4 cents per point.
Through a “Book Any Way” travel redemption, cardholders can redeem their TD Rewards Points against eligible transportation expenses, accommodation expenses, and activity expenses. While your points are worth slightly less when redeeming through this option, it is more flexible as you can charge the expense to your card and then redeem afterward.
We would advise against redeeming your TD Rewards Points for any option outside of travel as the value is significantly reduced through other redemption options.
Comparable Credit Cards
If you are looking for a comparable travel credit card that offers an easy way to offset travel costs, there are a few other cards that are worth considering.
Scotiabank Passport Visa Infinite Card
The Scotiabank Passport Visa Infinite card is another popular travel credit card that we recommend to many Canadians who are looking for a card with a reasonable annual fee and great travel benefits.
The Scotiabank Passport Visa Infinite card offers benefits such as no foreign transaction fees and six annual complimentary airport lounge access passes.
Check out our Scotiabank Passport Visa Infinite card review for more details.
45,000 Scene+
$40,000
$550+
$150.00
No
Oct 31, 2025
Scotiabank Passport Visa Infinite cardholders also receive some travel-adjacent benefits in the form of six complimentary airport lounge passes and will not be charged foreign transaction fees when making purchases in currencies other than Canadian Dollars.
Cardholders earn Scene+ points, which can also be redeemed for “Book Any Way” travel at a rate of 1 cent per point. This is another stellar card that offers great flexibility in redemption options for travel expenses that are atypical outside of the usual flight and hotel bookings.
TD Platinum Travel Visa* Card
The TD Platinum Travel Visa* Card is a good alternative if you would rather have a credit card with a lower annual fee or if you don’t meet the income requirements of the TD First Class Travel Visa Infinite Card.
The TD Platinum Travel Visa* Card earns 6x TD Rewards points on purchases at Expedia For TD and 4.5x TD Rewards points on grocery and restaurant purchases.
50,000 TD Rewards
$1,000
$250+
$89.00 (FYF)
Yes
–
The TD Platinum Travel Visa Card has a lower annual fee of $89.00 and often includes an annual fee waiver as part of the welcome bonus. The card also has no minimal personal or household income requirements. However, it still earns TD Rewards Points making it a great option for those individuals who want to accrue an easy-to-redeem points currency to reduce their travel expenses.
Conclusion
The TD First Class Travel Visa Infinite Card is a good card to add to your wallet if you want to cut travel costs with an easy-to-use loyalty program, especially if you often find yourself booking travel through Expedia. If you aren’t sure if this is the right card for you, consider looking into our credit card comparison tool to see all the options that are available to you.
Josh Bandura
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Med. insure is only for a few days if your over 65 an to add more days via TD is very high.