The ClearFin bottom line
✈️ Travel Points
Its strongest published earn rate in our data is 4.0% on travel. The $139 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD First Class Travel Visa Infinite
Start with up to 146,000 TD Rewards points plus a first-year annual-fee rebate, worth about $730.
Independent comparisonFees includedCanadian card data
- Annual fee
- $139
- Reward type
- TD Rewards
- Welcome offer
- 146,000 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
Limited offer$140cash rebate*
✈️ Travel Points
✈️ Travel Points
Welcome bonus
Up to 146,000 TD Rewards points plus a first-year annual-fee rebate
New cardmembers can earn up to 146,000 TD Rewards points plus a first-year annual-fee rebate by completing the steps below.
Offer details
New-account eligibility, purchase, spending and account-standing conditions apply.
How you earn
- Earn 8 TD Rewards Points per $1 spent on travel booked through Expedia For TD
- Earn 6 TD Rewards Points per $1 spent on groceries, dining, and public transit
- Earn 4 TD Rewards Points per $1 spent on recurring bill payments and streaming, digital gaming & media
- Earn 2 TD Rewards Points per $1 spent on all other purchases
- Earn an annual birthday bonus of up to 10,000 TD Rewards Points
- Points never expire as long as the account is open and in good standing
- No blackout dates or seat restrictions when redeeming TD Rewards Points for travel through Expedia For TD
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$139First year free
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Additional card$50
Household income$100,000Alternative minimum
Recommended credit score680+ Good to Excellent (Prime tier)
Not explicitly disclosed by issuer.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on TD credit underwriting assessment combined with eligibility criteria including $60,000 personal income or $100,000 household income, Canadian residency, and age of majority.
Reward limits: No explicit total annual earning caps are disclosed for TD Rewards point accumulation. However, category-specific spending caps apply to accelerated earn rates.
Earning cap
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Use eligible TD Rewards points for travel through Expedia for TD or other travel options available under the program.
Redeem for eligible statement credits, education credits, gift cards, merchandise, and participating Shop The Mall purchases; values vary.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Annual $100 TD Travel Credit
Receive a $100 travel credit each year when you book eligible travel of $500+ through Expedia For TD.
Global airport lounge access
Access 1,200+ airport lounges worldwide via Visa Airport Companion Program, including 4 complimentary lounge visits per membership year.
Extensive travel insurance coverage
Includes travel medical insurance (up to $2M), trip cancellation/interruption, flight delay, baggage delay/loss, rental car insurance, and emergency travel assistance.
No blackout dates or seat restrictions
Redeem TD Rewards points for travel with no blackout dates or seat restrictions when booking through Expedia For TD.
Flexible redemption options
Redeem points for travel, past purchases, statement credits, or pay down your balance through TD Rewards program.
Visa Infinite concierge service
24/7 concierge support for travel bookings, dining, entertainment, and lifestyle assistance.
Visa Infinite luxury and lifestyle perks
Access to hotel collections, dining events, entertainment experiences, film festivals, and golf benefits.
Purchase protection and extended warranty
Coverage for eligible purchases against theft or damage for 90 days and extended warranty up to 1 additional year.
Show all 9 benefitsShow fewer
Fraud and mobile wallet security
Includes Visa Secure, fraud alerts, chip & PIN security, and compatibility with Apple Pay, Google Pay, and Samsung Pay.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Strong travel rewards structure with high earn rates including 8x TD Rewards Points on Expedia For TD bookings and accelerated categories for groceries, dining, transit, and recurring bills
- Valuable annual travel perks including a $100 TD Travel Credit and 4 complimentary airport lounge visits via Visa Airport Companion Program
- Flexible TD Rewards redemption with no blackout dates, no seat restrictions, and multiple redemption options including travel, statement credits, and past purchases
Worth noting
- Rewards value is heavily dependent on Expedia For TD ecosystem, creating platform lock-in for maximum value redemption
- Foreign transaction fee of 2.5% reduces efficiency for international or non-CAD spending
- Category earn caps ($25,000 annual spend on accelerated 6x and 4x categories) limit high-spend optimization potential
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Travel Points
8x TD Points via Expedia for TD. 6x on groceries, dining & transit. 4x on bills & streaming. 2x on everything else.
How the rewards work
Travel receive the strongest estimated return at 4.0%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
Using the strongest estimated category return alone, roughly $3,500 in annual spending at that rate would equal the $139 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on travel and dining and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.