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TD First Class TravelĀ® Visa Infinite* Card vs American ExpressĀ® AeroplanĀ®* Card: Which one is better?
TD First Class TravelĀ® Visa Infinite* Card
American ExpressĀ® AeroplanĀ®* Card
Welcome Bonus
Earn up to $1,400 in value(18), including up to 165,000 TD Rewards Points(1) and no Annual Fee for the first year(1). Conditions Apply.
Welcome Bonus
Earn 30,000 AeroplanĀ® points after spending $3,000 in purchases on your Card within the first 3 months. Plus, earn an additional 10,000 AeroplanĀ® points when you spend $1,000 in purchases in month 13.
Rewards Breakdown
Annual Rewards
$401.23
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$1,226.23
$262.23 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$517
Air Canada AeroplanĀ®
First Year Bonus Value
+
$630
Air Canada AeroplanĀ®
Annual Fee
-
$120
First Year Value
$1,027
$397 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x points per $1 spent on all other eligible purchases
How to Earn Rewards
- 2x AeroplanĀ® points on eligible purchases made directly with Air CanadaĀ®* and Air Canada vacationsĀ®*
- 1.5x AeroplanĀ® points on eligible Dining and Food Delivery purchases in Canada
- 1x AeroplanĀ® point on everything else
Insurance Included
Baggage Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Travel Accident
$500,000
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$2,500Flight Delay
$500
Lost or Stolen Baggage
$1,000
Mobile Device Insurance
$1,000
Emergency Medical Term
21 daysEmergency Medical (65+)
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Insurance Included
Baggage Delay
$500 (Aggregated with Flight Delay)Car Rental Damage & Theft
$85K, up to 48 daysTravel Accident
$500,000Extended Warranty
1 yearPurchase Protection
90 days, $1,000 per occurrenceHotel Burglary Insurance
$500Flight Delay
$500 (Aggregated with Baggage Delay)
Extra Benefits
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Concierge Services
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Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra Benefits
Extra points
Earn points twice at over 150 Aeroplan partner brands.svg)
Status lift
Reach Aeroplan Eliteā¢ Status sooner by earning Status Qualifying Miles and Status Qualifying Segments with purchases made on your account.svg)
Free first checked bag
Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air CanadaĀ®* flights
Free Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points
Amex Experiencesā¢
Amex Experiencesā¢: From music and movies, to specially curated dining and online shopping opportunities, stay connected with all that we have to offer from the comfort of your own home
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
30% Annual2
Cash Advance:
30% Annual2
2 As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
Annual Fee
$139
$0$
First Year Waived
Annual Fee
$120
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
Point Redemption Options
Travel
0.4Ā¢ / point
Gift Cards
0.25Ā¢ / point
Merchandise
0.225Ā¢ / pointMost Optimal
Travel via Expedia
0.5Ā¢ / point
Education
0.4Ā¢ / point
Amazon.ca
0.33Ā¢ / point
Statement Credits (Cash)
0.25Ā¢ / point
Point Redemption Options
Travel
0.825Ā¢ / pointMerchandise
0.75Ā¢ / pointGift Cards
0.72Ā¢ / pointMost Optimal
AeroplanĀ® Flights
2.1Ā¢ / pointCar Rentals
0.9Ā¢ / point
Is this card worth it?
The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Is this card worth it?
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
Pros
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.
- If you are interested in a higher Aeroplan Status, the card helps you get there faster.
Cons
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
Cons
- The main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
vs TD Rewards Visa* Card
vs TDĀ® AeroplanĀ® Visa Platinum* Credit Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TDĀ® AeroplanĀ® Visa Infinite Privilege*
vs MBNA Rewards World EliteĀ® MastercardĀ®
vs American Express Gold Rewards CardĀ®
vs Rogers Red World EliteĀ® MastercardĀ®
vs Scotiabank PassportĀ® Visa Infinite* Card
vs TD AeroplanĀ® Visa Infinite* Card
vs American Express CobaltĀ® Card
vs American ExpressĀ® AeroplanĀ®* Reserve Card
vs Marriott BonvoyĀ® American ExpressĀ®* Card
vs American Express Platinum CardĀ®
vs SimplyCashĀ® Card from American Express
vs Scotia MomentumĀ® Visa* Card
vs CIBC AeroplanĀ® Visa Infinite* Card
vs Tangerine Money-Back Credit Card
vs Amazon.ca Rewards MastercardĀ®
vs SimplyCashā¢ Preferred Card from American Express
vs MBNA Rewards World EliteĀ® MastercardĀ®
vs American ExpressĀ® Green Card
vs American Express Gold Rewards CardĀ®
vs Rogers Red World EliteĀ® MastercardĀ®
vs Scotiabank PassportĀ® Visa Infinite* Card
vs Scotiabank Gold American ExpressĀ® Card
vs TD AeroplanĀ® Visa Infinite* Card
vs American Express CobaltĀ® Card
Legal
18Ā Offer Effective as of SeptemberĀ 4, 2025.Ā The value of up to $1,400 could be earned in the first year of Account opening andĀ is based on the combined value of:
- $189: annual fee Rebate for the Primary ($139) and firstĀ Additional Cardholder ($50) for the first year;
- $100:Ā TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
- $50:Ā TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholderās birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
- $825: 165,000 TD Rewards Points earned based on the following requirements:
- Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
- Additional Bonus of 145,000 TD Rewards Points earned when you spend $7,500 within 180 days of Account opening (travel value at Expedia For TD of $725);
- $285: The Visa Airport Companion Program is hosted and managed by Dragonpass International Ltd. (āDragonPassā). The yearly value of up to $285 CA is based on the cost of purchasing a Visa Airport Companion Program membership directly from Dragonpass at a foreign exchange rate of 1.3996 USD. A yearly DragonPass membership costs $99 USD and includes one free airport lounge visit. Each additional visit is valued at $35 USD per person per visit. The foreign exchange rate and fees used for the calculation of a yearly value are as of February 4, 2025 and may change from time to time.
Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.
1Ā Effective as of SeptemberĀ 4, 2025. Account must be approved, open and in Good Standing while this offer is in effect. Welcome Bonus of 20,000 TD Rewards Points ("Welcome Bonus") will be awarded to the TD First Class TravelĀ® Visa Infinite* ("Account") only after the first Purchase is made on the Account. To receive the additional 145,000 TD Rewards Points ("Additional Bonus"), you must make $7,500 in Purchases on your Account, including your first eligible Purchase, within 180 days of Account opening. Rebate of the annual fee is only for the first year for the Primary Cardholder and the first Additional Cardholder added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder annual fee rebate, you must add your first Additional Cardholder while this offer is in effect. Annual fee rebates will be applied within 2 monthly statements from the date of the statement with the first annual fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder.Ā Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated.Ā This offer is not available to customers who have activated and/or closed a TD First Class TravelĀ® Visa Infinite* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. We reserve the right to amend the offer on your Account to reflect the current offer available at the time of your TD Credit Card activation if your Card has not been activated while this offer is in effect. Your Account must be in Good Standing at the time the Welcome Bonus points and Additional Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.
*Terms and conditions apply.
As a Charge Card, the balance must always be paid in full each month. 30% annual interest rate applies to balances not paid in full. Payments must be received and processed by the date of the next monthly statement to avoid interest charges.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.