TD First Class Travel Visa Infinite Card Review

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Here’s my TD First Class Travel Visa Infinite Card review. 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. 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 Travel Visa Infinite Card

  • $120 annual fee – First year free
  • Earn 20,000 TD Rewards points after your first purchase
  • 115,000 additional TD Rewards points when you spend $5,000 in the first 180 days
  • Annual $100 travel credit
  • Birthdya bonus of up to 10,000 points
  • Earn 8 TD Rewards points per $1 spent when you book on Expedia for TD
  • Earn 6 TD Rewards points per $1 spent on groceries and dining
  • Earn 3 TD Rewards points per $1 spent on pre-authroized purchases
  • Earn 3 TD Points per $1 spent on all other purchases

If you want flexibility with your points, the TD First Class Visa Infinite is a good choice. The welcome bonus has been quite generous in the last year and hovered between 80,000 – 145,000 TD Rewards points.

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.

I like how the TD First Class Travel Visa Infinite card gives you an incredible 4% return on travel booked on Expedia for TD, but using Expedia may not always be the best choice. I think their prices are usually quite competitive, but when you book through a third party, you might not be able to use your status benefits. For example, I wouldn’t be able to use my Marriott Bonvoy Platinum Status if I booked a room via Expedia for TD.

The other enhanced multipliers are 6 TD Rewards points (3%) per dollar spent on groceries and dining. And 4 TD Rewards points (2%) per dollar spent on pre-authorized purchases.

I will say that the straight earn rate of 1.5% on all other purchases is pretty solid. The card does have an annual fee of $120, but it’s usually waived for the first year. You can also get the fee waived annually if you have a TD All-inclusive bank account. 

The TD First Class Visa Infinite recently added some new benefits. First, there’s an annual $100 travel credit that can be used on a booking with Expedia for TD. That said, you need to spend $500 or more on Expedia for TD for the credit to apply.

The other new feature is the birthday bonus worth up to 10,000 points. To earn this bonus, TD will give you 10% of the points you’ve earned in the year leading up to your birthday. Welcome bonuses don’t count. Also, you must earn 100,000 TD Rewards points in the year before your bonus to qualify for the bonus.

The included purchase security is since it covers your purchases from theft, loss or damage for 90 days. The extended warranty doubles your manufacturer’s warranty up to an additional year. For both benefits to apply, you must charge the full cost of your purchases to your TD First Class Travel Visa Infinite.

TD First Class Travel Visa Infinite insurance

Now it’s time to go over the included insurance in my TD First Class Travel Visa Infinite review. With recent changes to the card, there’s now better overall insurance.

Travel insurance

  • Travel medical – $2,000,000 for 21 days / 4 days if you’re 65 or older
  • Trip cancellation – up to $1,500 per person / $5,000 total
  • Trip interruption – up to $5,000 per person / $25,000 total
  • Flight/trip delay insurance – $500 per person – 4 hours
  • Delayed and lost baggage – up to $1,000 / 6 hours
  • Auto rental collision/loss damage – 48 consecutive days / $65,000
  • Hotel/motel burglary insurance – $2,500
  • Common carrier travel accident – $500,000

The travel insurance included is competitive and comparable to my list of the best credit cards with travel insurance, but it does lack two major types of travel insurance.

The 21 days of travel medical insurance is pretty good, but like many other credit cards, it only gives 4 days if you’re 65 or older. You’ll obviously need more coverage if you fall into that age range.

Note that was this card, you only need to charge 75% of your trip costs for your travel insurance to be valid.

Purchase insurance

  • Mobile device insurance – Up to $1,000
  • Purchase security – 90 days
  • Extended warranty – Up to 1 additional year

Mobile device insurance has been added to the TD First Class Travel Visa Infinite Card. When you charge at least 75% of the total device or monthly plan cost to your card, you’ll be insured up to $1,000. That said, like other mobile device insurance plans, depreciation applies when making a claim.

The purchase security insurance covers your good from theft, loss, and damage for 90 days. With extended warranty, you your warranty doubled up to one additional year.

How TD Rewards work

Similar to Scene+ and American Express Membership Rewards, TD Rewards allows you to book travel in multiple ways which gives 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

Booking 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 booking 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 thoughts

My TD First Class Travel Visa Infinite Card review is positive. Although it may have the best earn rate or the most benefits, the earn rate when booking through Expedia for TD is incredible. In addition, TD Rewards is the easiest travel rewards program to understand when you compare it to the rest of the banks in Canada.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi


  1. Sylvia on March 8, 2022 at 1:03 AM

    Hi Barry! Thanks for another great post. I currently use the AMEX cobalt as my everyday card and wanted to get a supplementary card to use when AMEX is not accepted. I currently have an All-Inclusive banking plan with TD, which would waive the annual fee for the TD First Class Travel Visa Infinite Card & the TD Aeroplan Visa Infinite Card. Which one would you recommend between the two?

    • Barry Choi on March 8, 2022 at 6:18 AM

      Hey Sylvia.

      It sort of depends on your goals. If you got the TD Aeroplan VI card, you could pool the points with your Cobalt since those points can be converted to Aeroplan. The TDFCTVI is good if need to make non-Aeroplan bookings such as car rentals or hotel bookings.

  2. Philippe on November 2, 2022 at 8:03 PM

    Calculating rewards with the new and improved TD First Class Travel makes it a good competitor to the Aeroplan card. I feel like it’s hard to get a good value with Aeroplan (2 cpp). More than often international travel gives around 1.4 cpp making the First Class card more valuable (if booking something via Expedia to get the $100 credit that is. Am I missing something? Would the Aventura or RBC Avion otherwise be better?

    • Barry Choi on November 2, 2022 at 8:22 PM

      Hey Philippe,

      I haven’t had too much trouble finding Aeroplan value between 1.8 – 2 CPP. Then again, I booked most of my travel before there was crazy demand.

      Aventura and Avion both have a fixed travel program where you can get a higher CPP, but I personally find Aeroplan to be more valuable. I typically try to collect American Express Membership Rewards points and then transfer them to whatever program gives me good value when I need to make a redemption.

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