TD First Class Travel Visa Infinite Card
Travel Rewards Rewards

TD First Class Travel Visa Infinite Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Earn up to 165,000 TD Rewards Points + First-year fee waived.
Annual Fee $0
$139 after first year
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $1,400

RateBuddy Verdict

The Good
  • The $100 Annual TD Travel Credit (valid on Expedia for TD bookings of $500+) essentially drops the ongoing annual fee to just $39.
  • Includes 4 complimentary global airport lounge passes each year, adding hundreds of dollars in value for frequent flyers.
  • Features a spectacular travel insurance suite, boasting a 21-day term for travel medical and up to $1,000 in Mobile Device coverage.
The Trade-offs
  • Requires a minimum annual income of $60,000 (personal) or $100,000 (household) to qualify.
  • To achieve the best redemption value for your points, you are restricted to booking your travel through the Expedia for TD portal.
  • The accelerated 6x points on Groceries, Dining, and Transit has a combined annual spending cap of $25,000.

Rewards & Earnings

Groceries 3%
Dining 3%
Gas 1%
Travel 4%
Recurring Bills 2%
Base Rate 1%
Rewards Summary: Expedia for TD: 8 pts per $1; Groceries, Dining & Transit: 6 pts per $1; Recurring Bills & Media: 4 pts per $1; Base Earn: 2 pts per $1.

Welcome Bonus Details

Earn up to $1,400 in value. Earn 20,000 points on your first purchase. Earn 145,000 points when you spend $7,500 within 180 days. Plus, get a first-year annual fee rebate.

Estimated Value: $1,400

Features & Benefits

Airport Lounge Access
4 complimentary lounge visits per membership year
Travel Medical Insurance
Up to $2 million (21 days for age <65; 4 days for age 65+)
First-Year Fee Waived
First-year annual fee rebate
Mobile Device Insurance
Up to $1,000 coverage
Car Rental Collision/Loss Damage Waiver
Coverage for up to 48 consecutive days
Trip Cancellation/Interruption Insurance
Up to $1,500 cancellation / $5,000 interruption
Extended Warranty Insurance
Included (Up to 12 additional months)
Purchase Security Insurance
Included (90 days)
Concierge Service
24/7 complimentary concierge service
Flight Delay Insurance
Up to $500 per insured person (4+ hours)
Baggage Delay/Loss Insurance
Up to $1,000 for delayed or lost baggage
Common Carrier Accident Insurance
Up to $500,000 coverage per person
Hotel/Motel Burglary Insurance
Up to $2,500 coverage per occurrence

Insurance Coverage

Travel Medical: $2M (21 days under 65); Trip Cancel/Interrupt: $1.5k/$5k; Flight & Baggage Delay: Included; Car Rental: 48 days; Mobile Device: $1,000; Purchase Security & Extended Warranty: Included.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$139
Supplementary Card Fee$50
Income Required Personal: $60,000
Household: $100,000
Recommended Credit Score—

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