TD has various credit cards, and most people would say that TD Aeroplan Visa Infinite is the most popular one. Aeroplan credit cards in Canada definitely have the name recognition, but TD also offers another premium travel credit card, the TD First Class Travel Visa Infinite which shouldn’t be overlooked.

Truth be told, the TD First Class Travel Visa Infinite Card was what my wife and I used for the longest time as our joint credit card since it’s TD’s flagship credit card for its TD Rewards program. This was a convenient way for us to earn points for travel, but was it the best choice? Keep reading my TD First Class Travel Visa Infinite Card Review and find out how the card works and if you should consider applying for it.

TD First Class Visa benefits

  • $120 annual fee – First year free (when applying by May 31, 2020)
  • Earn 20,000 TD points after your first purchase
  • Earn 15,000 TD Points in each of the first 3 months when you spend a minimum of $1,000 per month, up to a total of 45,000 TD Points
  • Earn 9 TD points per $1 spent when you book on Expedia for TD
  • Earn 3 TD Points per $1 spent on all other purchases
  • Travel insurance included

When you look at all the points available in the first year with the TD First Class Visa, you can earn up to 65,000 TD points, but it requires a bit of work. 20,000 Points are given after your first purchase and then you’ll earn 15,000 TD Points in each of the first 3 months when you spend a minimum of $1,000 per month, up to a total of 45,000 TD Points.

The 20,000 points welcome bonus is worth up to $100 since TD points are worth 0.5 cents per point when used on Expedia for TD or 0.4c when booking your own travel. If you compare the TD First Class Travel to the cards on my list of the best travel credit cards in Canada, you’ll realize that there are better welcome bonuses out there.

That said, the TD First Class Travel Visa Infinite remains an interesting card and might be a good fit for some travellers since it has an earn rate of 1.5% on all purchases and 4.5% on travel booked on Expedia for TD. The travel insurance included is competitive and comparable to my list of the best credit cards with travel insurance.

How TD Rewards work

Similar to Scotia Rewards and American Express Membership Rewards, TD Rewards allows you to book travel in multiple ways which give you more options. Many people love this due to the flexibility, but it’s worth noting that how you book your travel can affect the rate of return on your points.

Expedia for TD

TD Rewards advertises itself as being simple to use. It doesn’t have a reward flight grid to decrypt and it’s not subject to award availability so there are no blackout dates. TD Rewards points can be redeemed on Expedia for TD which is almost identical to Since most people have already used Expedia before, searching and booking travel is easy to do Being backed by Expedia also means you have access to a large inventory of flights, hotels, car rentals, all-inclusive packages and attraction tickets. 

To redeem TD Rewards points on Expedia for TD you simply have to login in TD Rewards and click on the Expedia for TD link. Then you search and book as you would do on and you’ll have the option to use your points to reduce your booking at a rate of 200pts = $1 rebate. Generally speaking, Expedia for TD has the same prices as

Book on your own

TD Rewards points can also be used to offset travel expenses you charge directly to your TD First Class Travel Visa. The redemption rate is 250pts = $1 (or a value of 4 cents per points) which means you get 20% less value than using your points on Expedia for TD. Nonetheless, I still think there are a few reasons why using the Book Any Way Travel is a decent use for TD Rewards points.

The first reason is that you are not restricted to what is available on Expedia for TD, so you can use points for an AirBnB booking or even reservations on TD is also very generous in what they allow as travel expenses as you can redeem your points for out of province restaurants, parking and even gas purchases.

The second reason why book on your own travel is handy is that most hotel chains will require that you book directly with them to enable loyalty membership status and perks. Booking directly often triggers member only rates, and membership privileges like free internet, room upgrades, free breakfast and late checkout. In some cases, it might still be better to book directly even if you lose value on TD points.

How the TD First Class Visa compares to others

You’re probably wondering why the TD First Class Travel Visa Infinite card doesn’t make my list of best travel credit cards in Canada. The reasons are that TD Rewards points value is topped at 0.5c per point, the sign up bonus isn’t the most generous, TD points can’t be converted into any other loyalty program and the card doesn’t offer premium travel perks like no foreign transaction fees, airport lounge access or hotel elite status.

It may sound like I hate this card, but TD has turned these weaknesses into a strength. TD’s strategy with this card is to focus on how easy to use and redeem your points while offering a good earning rate. Travel hacking and award redemption can be complicated and I can see the appeal of using a very easy and comprehensive earn/redeem program that as no complicated reward charts and no blackout period. If you wanted a credit card with more perks, I’d suggest looking at the BMO World Elite Mastercard or the Scotiabank Gold American Express.

Final word

My TD First Class Travel Visa Infinite Card review is neutral. It’s not the most valuable travel card in Canada, but it has one of the easiest travel rewards programs to understand when it comes to earning and redeeming points. If you are looking for a premium travel Visa credit that’s simple, the TD First Class Visa might be a good fit for you.

Apply Now for the TD First Class Travel Visa Infinite card