TD First Class Travel Visa Infinite Card Review
- Welcome Offer
- 160,000 points
- Rewards
- Up to 8 points per $1 spent
- Annual Fee
- $0 annual fee for the first year ($139 thereafter)
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 22.99%
Summary
Take advantage of a generous welcome bonus, accelerated points on many purchases and loads of travel benefits.
With the TD First Class Travel Visa Infinite Card, you can earn between 2 and 8 TD Rewards Points on most purchases and redeem your points for travel, Amazon purchases, statement credit and more. You can also enjoy complimentary travel insurance, car rental discounts, Mobile Device Insurance and Visa Infinite Concierge services.
Best for: Frequent travellers who want accelerated rewards points on everyday purchases and travel-related expenses.
Pros
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Earn up to 8 TD Rewards Points per dollar spent
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Purchase Security & Extended Warranty Protection
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Travel insurance, airport lounge access, car rental discounts
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Mobile Device Insurance
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24/7 Visa Infinite Concierge
Cons
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$139 annual fee
-
$50 annual fee for each supplementary card
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TD Rewards Points cannot be transferred to other travel/loyalty programs
The basics
The TD First Class Travel Visa Infinite Card is built with travellers and frequent shoppers in mind, with accelerated points on a wide range of everyday spending categories and a broad suite of travel and retail perks. Make payments online or in-store via digital wallet, including Apple Pay, Google Pay and Samsung Pay.
With this card, you have the option of adding the TD Credit Card Payment Protection Plan to help cover payments in the event of Job Loss, Total Disability or Loss of Life. You can also buy a TD Auto Club Membership for 24/7 emergency roadside assistance.
The perks
- Welcome bonus. Earn up to $1,400 in value including 160,000 TD Rewards Points. Plus, get the first year annual fee rebated.
- TD Rewards Points. Earn 8 TD Rewards Points per dollar spent on travel booked through Expedia for TD; 6 points per dollar spent on groceries, dining and public transit; 4 points per dollar spent on recurring bill payments, streaming, digital gaming and media and 2 points per dollar spent on all other eligible purchases. Plus, get an annual TD Rewards Birthday Bonus of up to 10,000 points.
- Many redemption options. Redeem your TD Rewards Points for travel through Expedia for TD, Amazon purchases or Starbucks Stars. You can also pay off your purchases or pay down your credit card balance.
- Travel coverage. This card comes with up to $2,000,000 Travel Medical Insurance for the first 21 days (4 consecutive days if you or your spouse is 65+). Complimentary coverage is also available for delayed flights/trips, cancelled or interrupted trips, delayed or lost baggage, hotel/motel burglaries and common carrier travel accidents.
- Vehicle rental perks. Get at least 10% off the lowest available base rates for qualifying vehicle rentals at participating Avis and Budget locations in Canada and the US (5% off qualifying rentals internationally). Plus, get Collision/Loss Damage coverage when you pay in full with your card or TD Rewards Points.
- Purchase Security and Extended Warranty Protection. Eligible new items are insured in case of theft or damage for up to 90 days after the purchase date. Coverage for items with a manufacturer’s warranty valid in Canada may be doubled for up to 12 additional months. Conditions apply.
- Mobile Device Insurance. Eligible mobile devices are covered up to $1,000 against loss, theft, accidental damage or mechanical breakdown.
- Visa Infinite perks. TD First Class Travel Visa Infinite Card cardholders get 24/7 Visa Infinite Concierge services, exclusive benefits at Visa Infinite Luxury Hotels, exclusive access to dining and experiences as well as Visa Infinite Troon Golf benefits like discounted green fees and Troon Rewards Silver Status at 95+ golf courses.
What to watch for
- Annual fee. The TD First Class Travel Visa Infinite Card comes with a $139 annual fee for the Primary cardholder and a $50 annual fee for each supplementary cardholder. However, new cardholders may occasionally get a first-year annual fee rebate or waiver as part of a special offer.
- Points program limits. While you can use your TD First Class Travel Visa Infinite Card to book travel plans through any provider and earn regular TD Rewards Points, you’ll only earn accelerated points if you book through Expedia For TD, which is also your only option if you want to redeem points for travel.
- Pay extra for optional add-ons. You’ll have to pay for extras like TD Credit Card Payment Protection, 24/7 emergency roadside assistance through the TD Auto Club or extended travel medical coverage.
TD First Class Travel Visa Infinite Card interest rates
| Interest type | Interest rate |
|---|---|
| Purchase interest rate | 21.99% |
| Cash advance rate | 22.99% |
What should I know before I apply?
You’ll need to satisfy some requirements and provide some basic personal and financial information to apply for the TD First Class Travel Visa Infinite Card:
Eligibility requirements
- Be a resident of Canada
- Be the age of majority in your province/territory of residence (18 or 19)
- Have a valid email address
- Have a personal annual income of at least $60,000 or an annual household income of $100,000
How to apply
- Visit TD's website, and select Apply now.
- Fill out the credit card application, which should only take a few minutes, and receive an instant response. If you have an account with a major Canadian bank or credit union, you may be able to login to your online banking platform so TD can pre-fill your personal details.
Bottom line on the TD First Class Travel Visa Infinite Card
The TD First Class Travel Visa Infinite Card offers a return on rewards and a broad suite of travel insurance. The card also comes with a solid welcome offer and extra benefits, including car rental discounts and insurance, Purchase Security and Extended Warranty Protection and Mobile Device Insurance.
You should consider other TD credit cards if you don’t want to pay an annual fee or are unable to meet the minimum income requirement ($60,000 and up).
Compare the TD First Class Travel Visa Infinite Card with alternative credit cards
Welcome Offer
15,000 points
Rewards
Up to 5x points per $1 spent
Annual Fee
$191.88
Credit Score
700
Welcome Offer
Up to 5% cash back
Rewards
Up to 2% cash back
Annual Fee
$0
Credit Score
650
Frequently asked questions
Sources
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