TD First Class Travel® Visa Infinite* Card

Flytrippers opinion: One of the highest-ever offers for simple points that can be applied to almost any travel expense.
Flytrippers Valuation
of Welcome bonus (net value)
ends June 3rd

via TD secure application link
$ 750

Rewards: $750

Card annual fee: $0 $139

Card eligibility
min. income: $60k
OR $100k (household)

Welcome bonus eligibility
must not have activated/closed
this specific card
in the past 12 months
TD Rewards Points (more simple) + $100 credit
Bonus: 100k pts
Earn on min. spend: 30k pts (total: 130k pts)

• $650 for any travel
booked with Expedia for TD
• $520 for any travel
booked anywhere
How to unlock bonus
spend $5,000
in 6 months

Interest rates:
Purchases: 20.99%
Cash advances: 22.99%
Cash advances (QC): 20.99%
Terms and conditions apply.
Flytrippers editorial opinion only. TD is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information. This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel for less.

Summary of Flytrippers' review

WHY GET THIS CARD

  • The excellent welcome bonus worth $750
  • The flexibility of simple points that can be applied to almost any travel
  • The excellent insurance coverage
  • The good multiplier earn rates
  • The fact that there is no annual fee the 1st year

WHO SHOULD GET THIS CARD

  • Those who want simple points that can be applied to almost any travel
  • Those who want one of the highest offers ever seen for simple points
  • Those who want excellent insurance coverage
  • Those who want no annual fee the 1st year (even though the total value is always what you should look at)

Scroll for all details or check out our review

Card details

Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
  • Get an annual TD Travel Credit† of $100 when you book at Expedia®For TD.
  • Get an Annual Fee Rebate for the first year†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

Terms and conditions apply.

Welcome bonus structure (2 separate bonuses)
(LIMITED-TIME OFFER — ends June 3, 2024)

20,000 TD Rewards points Bonus after making 1 purchase (no minimum amount)
80,000 TD Rewards points Bonus after spending $5,000 (in a maximum of 180 days)

100,000 TD Rewards points Total with the 2 parts of the bonus

Earn on the minimum spending requirement

30,000 TD Rewards points Estimated earn on the minimum spending requirement of $5,000 (at multiplier earn rate of 6 pts/$)

Total rewards by unlocking the welcome bonus

130,000 TD Rewards points Welcome bonus + earn on the minimum spending requirement to unlock it

Apply for the TD First Class Travel® Visa Infinite* Card

Value of the welcome bonus offer
(at our Flytrippers Valuation of 0.5¢/pt)

$100 Welcome bonus after first purchase (20,000 pts)
$400 Welcome bonus after min. spend (80,000 pts)
$150 Earn on the required spending (30,000 pts)
$100 Travel credit on $500+ hotel booking (fixed value)
–$0 Card fee (no annual fee the 1st year)

$750 Total net value by unlocking the welcome bonus alone

Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

15.0% Return on the minimum spending requirement ($750 on $5,000 in 180 days)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

$750 Rewards you get for $0

Apply for the TD First Class Travel® Visa Infinite* Card

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 130,000 TD Rewards points you get by unlocking the welcome bonus:

$650 Travel booked on Expedia for TD
$520 Travel booked on any website
$520 Education credit with HigherEdPoints
$429 Merchandise on Amazon
≈ $429 Gift cards
≈ $429 Merchandise
$325 Statement credit

‣Learn more about the best redemptions of TD Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value per TD Rewards point to help you understand:

0.5¢ Travel booked on Expedia for TD
0.4¢ Travel booked on any website
0.4¢ Education credit with HigherEdPoints
0.33¢ Merchandise on Amazon
≈ 0.33¢ Gift cards
≈ 0.33¢ Merchandise
0.25¢ Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 130,000 TD Rewards points for:

130,000 pts Discount of $650 on travel booked on Expedia for TD

‣Learn more about the best redemptions of TD Rewards points (coming soon)


Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

Redeem your 130,000 TD Rewards points for:

130,000 pts Discount of $520 on travel booked on any website

‣Learn more about the best redemptions of TD Rewards points (coming soon)

Redemptions for education credits

Also a redemption of the more simple type, with a fixed value. TD Rewards points are among the very few that offer a non-travel redemption that doesn’t have a lower value than travel redemptions (at least compared to the least valuable of the 2 travel redemption options). You can use your points to get a fixed-value credit at select higher education institutions.

Redeem your 130,000 TD Rewards points for:

130,000 pts Credit of $520 at HigherEdPoints

‣Learn more about the best redemptions of TD Rewards points (coming soon)

Redemptions for anything other than travel (except HigherEdPoints)

Should always be avoided, as with all rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Expiry
TD Rewards points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about TD Rewards points expiry (coming soon)

Pooling
TD Rewards points cannot be pooled with travel companions.

‣Learn more about pooling rewards (coming soon)

Logistics
TD Rewards points can be used directly on the TD Rewards website.

‣Learn more about how to get started with TD Rewards (coming soon)

Rewards program summary
Rewards: TD Rewards points
Source: Bank rewards
Type: More simple
Flytrippers Valuation: 0.5¢ per point
Minimum value: 0.5¢ per point
Maximum value: 0.5¢ per point
Transferable: No

‣Learn more about rewards programs basics (coming soon)

Earn rates

8 points per $ (4%):

  • Travel booked through Expedia For TD

6 points per $ (3%):

4 points per $ (2%):

  • Recurring bill payments set up on your Account

2 points per $ (1%):

  • All other purchases

Earn rates
(when considering Annual Birthday Bonus†)

8.8 points per $ (4.4%):

  • Travel booked through Expedia For TD†

6.6 points per $ (3.3%):

4.4 points per $ (2.2%):

  • Recurring bill payments set up on your Account†

2.2 points per $ (1.1%):

  • All other purchases†

Annual Birthday Bonus† applies up to 100,000 points earned; see card benefits section

Earning with additional cards

Fee for additional cards: $50 (no annual fee the 1st year)
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

Annual Birthday Bonus
On your birthday, you’ll get a bonus equal to 10% of the total points earned on your purchases in the 12 months prior, up to 10,000 points.

‣Learn more about the TD Birthday Bonus (coming soon)

Annual $100 travel credit
You get a $100 travel credit that applies on your 1st hotel booking of $500 or more at Expedia For TD every calendar year.

‣Learn more about the TD annual travel credit (coming soon)

Starbucks partnership
You get 50% more TD Rewards points and 50% more Stars.

‣Learn more about the TD and Starbucks partnership (coming soon)

Access to the TD Lounge at Toronto Union Station
Not as nice as airport lounges, but this lounge provides free coffee and a few snacks.

‣Learn more about the TD Lounge at Union Station (coming soon)

Visa Infinite Hotel Collection
You get exclusive perks at some expensive luxury hotels.

‣Learn more about the Visa Infinite Hotel Collection (coming soon)

Visa Infinite Dining and Wine Country program
You get access to exclusive expensive gourmet experiences.

‣Learn more about the Visa Infinite Dining and Wine Country program (coming soon)

Visa Infinite Entertainment Access
You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣Learn more about the Visa Infinite Entertainment Access program (coming soon)

Insurance included

Medical travel insurance for 21 days (64 years and under)
Medical travel insurance for 4 days (65 years and above)
Flight delay insurance ($500, 4hr minimum)
Trip cancelation insurance
Trip interruption insurance
Travel accident insurance
Delayed and lost baggage insurance
Rental car insurance
Hotel burglary insurance
Purchase protection coverage
Extended warranty coverage
Mobile device insurance

‣Learn more about the insurance coverage included with the TD First Class Travel® Visa Infinite* Card (coming soon)

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility
Minimum income: $60,000 (personal) OR $100,000 (household)
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: Equifax Canada

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have activated or closed this specific card in the past 12 months

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Account must be approved by June 3, 2024

Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: TD Bank Canada
Network: Visa
Card type: Credit card
Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Fees and rates
Card fee: $139/year (rebated in the first year; account must be approved by June 3, 2024)
Fee for additional card: $50/year (rebated in the first year; you must add your first Additional Cardholder by June 4, 2024)
Foreign transaction fee: 2.5%
Purchases annual interest rate: 20.99%
Funds advance annual interest rate: 22.99% (20.99% for Québec residents)
Balance transfer fee: 3%

Learn more about what Flytrippers recommends regarding fees and rates (coming soon)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via TD secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

Share this post to help us help more people travel more for less: