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Mr. Loonie
TD First Class Travel® Visa Infinite Card

TD First Class Travel® Visa Infinite Card

7.6
Good
Expert Score · 13 reviews How we score

Best for: Travellers who book through Expedia for TD and want points on groceries and dining

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,606
Every year after
$667

Ranked #8 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$800
The full offer. Up to 160,000 TD Rewards points.
Annual fee
$0 first year
Then $139 a year
Apply now on TD’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $300 or more a month on travel?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 8 points per $1 on travel At our value for these points, that’s about 4% back.
  • Good: No fee in the first year Then $139 a year.
  • Good: Welcome offer up to 160,000 TD Rewards points About $800 at our value for these points.

Watch for

  • Watch for: $139 a year from year two You need about $300 a month on travel to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

TD Rewards points valued at 0.5¢ each.

  • Groceries $288
    6 points per $1 · 3% back $800 a month · 57,600 TD Rewards points a year
  • Restaurants $90
    6 points per $1 · 3% back $250 a month · 18,000 TD Rewards points a year
  • Gas $30
    2 points per $1 · 1% back $250 a month · 6,000 TD Rewards points a year
  • Recurring bills $60
    4 points per $1 · 2% back $250 a month · 12,000 TD Rewards points a year
  • Travel $72
    8 points per $1 · 4% back $150 a month · 14,400 TD Rewards points a year
  • Everything else $78
    2 points per $1 · 1% back $650 a month · 15,600 TD Rewards points a year
  • Foreign currency $18
    2 points per $1 · 1% back $150 a month · 3,600 TD Rewards points a year
For you Year one Later years
Points you earn127,200 TD Rewards points a year, at 0.5¢ each $636 $636
Welcome offer160,000 TD Rewards points you’d reach $800 $0
Annual fee $0 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,606 $667

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Travel
8 points per $1 Booked through Expedia For TD
Groceries
6 points per $1 Up to $25,000 in spending per year. When you book travel through Expedia® For TD
Restaurants
6 points per $1 Up to $25,000 in spending per year.
Transit
6 points per $1 Up to $25,000 in spending per year. On Recurring Bill Payments
Recurring bills
4 points per $1 Up to $25,000 in spending per year (shared with other categories).
Streaming
4 points per $1 Up to $25,000 in spending per year (shared with other categories). Streaming, digital gaming and media
Everything else (base rate)
2 points per $1
  • 6 points per $1 spent on Public Transit
  • 4 points per $1 spent on Streaming and Digital Gaming and Media
  • Earn a birthday bonus of 10% of the rewards points you have earned over the past year, up to a maximum of 10,000 points
  • Get an annual TD Travel Credit of $100 when you book at Expedia® For TD
How TD Rewards points work, and why 0.5¢

We count TD Rewards points at 0.5¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.22¢ to 0.5¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    20,000 TD Rewards points · about $100

    Get approved for the card.

    • Make your first purchase
  2. 2

    140,000 TD Rewards points · about $700

    Spend $7,500 in your first 6 months.

    You’d reach it in month 3.

The annual fee is waived in the first year. Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.6
Good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The TD First Class Travel Visa Infinite Card is a good card to add to your wallet if you want to cut travel costs with an easy-to-use loyalty program, especially if you often find yourself booking travel through Expedia.”

  • Forbes (opens in a new tab) Jan 2024
    5.2

    “The TD First Class Travel® Visa Infinite* Card is a decent travel card. It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.”

  • Money.ca (opens in a new tab) Aug 2023
    8

    “The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User. Unfortunately the card leaves a bit to be desired due to its relative lack of auxiliary travel features. This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.”

  • Hardbacon (opens in a new tab) Jul 2023
    7.6

    “This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you.”

  • Rewards Canada (opens in a new tab) Jan 2023

    “The TD First Class Travel Visa Infinite Card is a popular travel rewards credit card that is popular with TD and non-TD customers alike. Its overhaul in 2022 help the card regain some traction as a strong option in our very competitive credit card market. By having accelerated earn rates coupled with a variety of redemption options, the card ranks in the top 15 of all travel cards in Canada. The biggest drawback to the card is the lack of additional benefits that are seen on other similar cards in Canada. If you don't need lounge access, travel enhancement credits or something like No Foreign Transaction Fees this card is definitely one to consider.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “TD First Class Travel Visa Infinite Card is a personal credit card targeted toward high-income earners in Canada. With the best reward points available when you book travel via Expedia for TD, the card is an excellent option for folks who like traveling. The card also has comprehensive travel insurance coverage & a few other travel perks.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $2,000,000 per person
  • Flight delay Included
  • Trip cancellation Included
  • Trip interruption Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device $1,000 per device
  • Flight/Trip Delay Insurance
  • Trip Cancellation/Trip Interruption Insurance
  • Emergency Travel Assistance Services
  • Delayed and Lost Baggage Insurance
  • Mobile Device Insurance
  • Hotel/Motel Burglary Insurance
  • 4 complimentary lounge visits with Visa Airport Companion Program
  • Mobile wallets Apple Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read TD’s insurance certificate before you count on any coverage.

Fees and interest

What it costs

Annual fee
$0 first year Then $139 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$50
Fee waivers
First year: $139 off (Get an annual fee rebate for the first year)
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,606 year one, $667 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD First Class Travel® Visa Infinite Card?

$0 the first year, then $139 a year. Each extra card costs $50.

How much is the TD First Class Travel® Visa Infinite Card welcome offer worth?

Up to 160,000 TD Rewards points, about $800. You get it in 2 steps: 20,000 TD Rewards points when you are approved; 140,000 TD Rewards points after you spend $7,500 in the first 6 months.

What income do I need?

TD asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, flight/trip delay insurance and trip cancellation/trip interruption insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,606
year one for you
Apply now on TD’s site (opens in a new tab)
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