TD Bank

TD First Class Travel Visa Infinite

Start with up to 146,000 TD Rewards Points + up to $1,300 in value.

Apply at TD Bank Calculate my rewards

Annual fee: $139
Reward type: TD Rewards
Point value: 0.5¢
Income required: $60,000
Typical credit · 680+: 300+Poor
640+Fair
720+Good
760+Very Good
800+Excellent

✈️ Travel Points

Welcome bonus

New cardmembers can earn up to 146,000 TD Rewards Points + up to $1,300 in value by completing the steps below.

How to earn it

20,000 TD Rewards PointsMake your first purchase with the card
126,000 TD Rewards PointsSpend $7,500 within 180 days of account opening
Annual fee rebate (first year)Activate card and meet first purchase requirement within offer window

New TD First Class Travel Visa Infinite cardholders who apply, are approved, and meet spending requirements.

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

Built-in perks & coverage

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.

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Fraud and mobile wallet security

Includes Visa Secure, fraud alerts, chip & PIN security, and compatibility with Apple Pay, Google Pay, and Samsung Pay.

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

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