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
  • 80,000 additional TD Rewards points when you spend $1,500 in the first 90 days
  • 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

If you want flexibility with your points, the TD First Class Visa Infinite is a good choice. The welcome bonus is usually broken down into two parts. You’ll typically get 20,000 TD Rewards after your first purchase. You can then earn another 60,000 – 80,000 TD Rewards points when you spend $1,500 in the first 90 days. Since the welcome bonus changes often, it’s usually worth holding out for the 80,000 points bomus.

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 4.5% 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.

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 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 travel insurance

  • Travel medical – $1,00,000 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
  • Delayed and lost baggage – up to $1,000 / 6 hours
  • Common carrier travel accident – $500,000
  • Auto rental collision / loss damage – 48 consecutive days / $65,000

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. There’s no flight delay or hotel/motel burglary insurance which may not be a big deal for some people, but to others, it may be a dealbreaker.

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.

I do believe the included trip interruption insurance is more than what many other cards offer, but you need to wait 6 hours to make a delayed luggage claim which is longer than some other cards.

Overall, I’d say the TD First Class Travel Visa Infinite travel insurance package is pretty good. 

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

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 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.

TD First Class Travel Visa Infinite Card Review

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.

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