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TD First Class Travel® Visa Infinite* Card Review
The TD First Class Travel Visa Infinite Card is specifically for those who book trips via Expedia for TD, maximizing points to the fullest. With an impressive sign-up bonus, lounge access, this card is a solid travel companion.
Nov 17, 2025 2:42 PM
Written By
Lead Writer
Edited By
Credit Card Expert
Reviewed By
Credit Card Expert
The Bottom Line
The TD First Class Travel Visa Infinite Card is a great travel card for those who bank with TD, book trips through Expedia, and want notable coverage and perks. That said, there are other travel cards of a similar tier that offer higher-value rewards.
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Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
Rewards
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Insurance
Coverage
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000
Flight Delay†
$500Baggage Delay†
$1,000
Lost or Stolen Baggage†
$1,000
Common Carrier Travel Accident Insurance†
$500,000.svg)
Car Rental Damage & Theft†
yes
Hotel Burglary Insurance†
$2,500
Purchase Protection†
90 days
Extended Warranty†
Up to 1 year
Mobile Device Insurance†
$1,000
Benefits
Details
Visa Infinite Exclusive Benefits†
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Concierge Services†
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 points†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
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
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
*†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button. Check here for full details and current product information.
Welcome Bonus Details
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of September 4, 2025.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Get an Annual Fee Rebate for the first year†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
22.99%□
□ Cash advance rate for Quebec residents is 21.99%
Fees
Annual Fee
$139
Additional Cards
$50 first card then $0 for more
Eligibility
Minimum Individual Income
$60,000
Minimum Household Income
$100,000
Credit Score Estimate
Good
Type
Pros & Cons
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.
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.
Our Detailed Review
How to Earn Rewards with the TD First Class Travel Visa Infinite Card
With the TD First Class Travel Visa Infinite Card, you can earn the following:
- 8 TD Rewards points per $1 spent on travel booked through Expedia for TD
- 6 TD Rewards points per $1 spent on groceries, dining, and public transportation
- 4 TD Rewards points per $1 spent on recurring bill payments and streaming
- 2 TD Rewards points per $1 spent on other purchases
Based on the categories above, the TD First Class Travel Visa Infinite Card is best used towards travel bookings, but it also yields solid points on common everyday expenses, making it extremely well-balanced.
How to Redeem Rewards using the TD First Class Travel Visa Infinite Card
There are a variety of ways for you to redeem your TD Rewards points.
Redemption categories include:
- Expedia For TD Travel: Choose from a catalogue of over a million flights, accommodations, vacation packages, and more via the Expedia For TD website.
- Book Any Way Travel: Book travel outside of Expedia with almost any other travel agency or platform.
- Education: Use your TD Rewards points to cover the cost of tuition at over 100 eligible institutions.
- Amazon.ca: Redeem TD Rewards points for products sold on Amazon.ca.
- Statement Credits: Apply TD Rewards points towards your credit card balance.
- Gift Cards: Turn points into presents by purchasing an eligible gift card with your TD Rewards points.
- Merchandise: Use your TD Rewards points to pay for eligible products from partner brands.
- Starbucks Rewards: Convert TD Rewards points into Stars to fund your favourite coffee or pastry purchase at participating Starbucks stores.
For the full breakdown of each redemption opportunity, check out our TD Rewards Points Value Calculator.
Compare to Similar Cards
| TD First Class Travel® Visa Infinite* Card | Scotiabank Passport® Visa Infinite* Card | American Express Cobalt® Card | MBNA Rewards World Elite® Mastercard® | American Express Gold Rewards Card® | |
|---|---|---|---|---|---|
Welcome Bonus | Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. | Up to 45,000 Scene+ points ($450 value) | Up to 15,000 Membership Rewards® points | Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)†† | Earn up to 60,000 Membership Rewards® points |
Earn Rates |
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Insurance Included | 13 types
| 12 types
| 10 types
| 9 types
| 11 types
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Benefits | 8 benefits
| 5 benefits
| 2 benefits
| 5 benefits
| 8 benefits
|
Annual Fee | $139 (First Year Rebated) | $150 | $191.88 | $120 | $250 |
Income Requirements | $60,000 personal or $100,000 household | $60,000 personal or $100,000 household | N/A | $80,000 personal or $150,000 household | N/A |
Apply Now | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW | APPLY NOW |
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TD First Class Travel Visa Infinite Card vs Scotiabank Passport Visa Infinite Card
We can't mention travel credit cards without bringing up the Scotiabank Passport Visa Infinite Card, one of the Best Travel Credit Cards in Canada. This contender earns you strong Scene+ points on bookings made through Scene+ Travel, Powered by Expedia, plus solid points on everyday purchases like groceries, dining, entertainment, transit, and more. Notably, Scene+ points are more valuable compared to TD Rewards points. When it comes to coverage, however, the TD First Class Visa Infinite Card actually offers more value. That said, the Scotiabank Passport Visa Infinite Card offers better airport lounge access, and includes valuable benefits like no foreign transaction fees. Note that while both cards have the same annual income requirements, the Scotiabank Passport Visa Infinite Card has a slightly higher annual fee.
TD First Class Travel Visa Infinite Card vs Amex Cobalt
For some of the highest value travel points, consider the American Express Cobalt Card, one of Canada's top credit cards. This contender earns you impressive points per dollar on dining, groceries, food delivery, streaming, gas, and transit. While there isn't a designated travel earn category, all the points you collect on everyday purchases can be redeemed towards travel at high cent-per-point values. Sure the coverage on this card isn't quite as extensive as the TD First Class Travel Visa Infinite Card, but the Cobalt Card still boasts an annual hotel travel credit and American Express Experiences like the Front of the Line Program. Keep in mind of course that the Amex Cobalt has a higher annual fee, but it avoids annual income requirements, making it much more accessible.
TD First Class Visa Infinite Card vs MBNA Rewards World Elite Mastercard
Another card that's great for collecting travel points on everyday spending is the MBNA World Elite Mastercard, one of the best grocery credit cards in Canada. This contender earns you amazing points per dollar on eligible restaurant, grocery, digital media, membership, and household utility purchases. MBNA Rewards are best redeemed towards travel and offer a higher cent-per-point value compared to TD Rewards. Like the TD First Class Visa Infinite Card, the MBNA Rewards World Elite Mastercard also comes with an annual birthday bonus. While it's not rebated for the first year, the MBNA Rewards World Elite Mastercard's annual fee is lower than the TD First Class Card. That said, the MBNA Rewards World Elite Mastercard has higher annual income requirements.
TD First Class Visa Infinite Card vs Amex Gold Rewards Card
The American Express Gold Rewards Card also allow cardholders to collect travel-valuable American Express Membership Rewards on travel purchases and everyday expenses like gas, groceries, and drugstore purchases. The TD First Class card may offer more coverage, but the American Express Gold Rewards Card also offers an annual travel credit, Plaza Premium lounge access, complimentary hotel benefits, and a Nexus Program rebate. Despite having a higher annual fee, the American Express Gold Rewards Card avoids annual income requirements.
Benefits and Perks
8 Benefits of the TD First Class Travel Visa Infinite Card
Next, let's review the TD First Class Travel Visa Infinite Card's top benefits.
1. First Year Annual Fee Rebate
For starters, the TD First Class Travel Visa Infinite Card waives its annual fee for the first year of membership, allowing cardholders to rack up an impressive first year value.
2. Lucrative Sign-Up Bonus
Perhaps the warmest welcome you'll receive, however, is the TD First Class Travel Visa Card's valuable intro offer. Earn bonus TD Rewards points on your first purchase and when certain spending thresholds are met.
Find more exciting offers in our featured blog: Best Signup Bonus Credit Cards in Canada.
3. Plenty of Point Potential on Travel Purchases
As mentioned, the most optimized earn category on this card is travel booked through Expedia For TD, making the TD First Class Travel Visa Infinite Card ideal for frequent travellers who are fans of this booking platform.
4. Annual Travel Credit
Every year, the TD First Class Travel Visa Infinite Card rewards cardholders with a travel credit on their first eligible purchase made through Expedia For TD. The credit is posted to the cardholder's account each calendar year.
5. Airport Lounge Access
For VIP treatment prior to takeoff, enjoy some complimentary access to over 1,200 airport lounges across the globe, courtesy of the Visa Airport Companion Program. You can even pre-book your visits to secure a spot.
6. Extra Point Perks
Perhaps you were hoping for extra points. If so, you'll be pleased to hear that the TD First Class Travel Visa Infinite Card offers a couple different ways to collect bonus rewards.
The most noteworthy way, is the annual birthday bonus. This special offer grants the primary cardholder extra points based on the amount they've accumulated in the 12 months leading up to their birthday (restrictions apply).
Cardholders can also pocket extra Starbucks Stars and TD Rewards points at participating Starbucks stores when they link their card to their Starbucks account.
7. Discounts
The TD First Class Travel Visa Infinite Card also provides a couple of discounts. Cardholders can expect discounts on fees, merchandise, and lessons at over 95 participating Troon Rewards golf courses, plus discounts on base rates at Avis Rent A Car and Budget Rent A Car locations.
8. Comprehensive Travel Insurance
To keep you covered on every trip, the TD First Class Travel Visa Infinite Card also provides comprehensive and extensive travel insurance. Included protections include trip interruption and trip cancellation insurance, flight and baggage delay insurance, hotel burglary insurance, car rental damage and theft insurance, and emergency medical coverage.
Drawbacks and Considerations
3 Downsides to the TD First Class Visa Infinite Card
To keep this review balanced, we've also included some of the TD First Class Visa Infinite Card's biggest drawbacks.
1. Annual Income Requirements
To account for all of its rewards, perks, and coverage, the TD First Class Visa Infinite Card comes with some annual income requirements, making the card less accessible to certain applicants.
2. Relatively Low Reward Values
Compared to other reward programs on the Canadian credit card market, TD Rewards are less valuable overall. In other words, spenders could extract a lot more value out of competing travel reward programs, like American Express Membership Rewards or Scene+.
3. Limited High-Value Travel Redemptions
As mentioned, TD Rewards are most valuable when redeemed towards Expedia For TD travel. That said, the Expedia For TD platform might not always offer the best rates or availability compared to direct booking platforms. While you can always revert to redeeming your points towards TD's Book Any Way Travel Program, your points may hold even less value.
Frequently Asked Questions
Probably not. This card's most value reward and redemption category is travel booked through Expedia For TD, making it ideal for travellers who prefer to book through the partnered Expedia platform. The card's most notable perks also cater towards travel, including lounge access and comprehensive travel insurance. If you rarely travel, you might want to apply for an everyday cashback earner instead.
Read More: Best Cashback Credit Cards in Canada
The TD First Class Travel Visa Infinite Card is fairly balanced, offering a generous amount of TD Rewards points on groceries, dining, recurring bill payments, streaming and transit. That said, there are other everyday earners that reward cardholders with more valuable points on similar purchases. Some of these reward systems also offer more flexible redemption programs.
Ultimately, the TD Rewards program has lower redemption value compared to other leading programs like Scene+ or Amex Membership Rewards.
This card is best for frequent travellers with a moderate to high income, who book trips frequently through Expedia. The card is also ideal for those looking for comprehensive travel insurance and lounge access for a reasonable annual fee.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Credit Card Expert
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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