TD First Class Travel^® Visa Infinite^* Card

Offer structure (2 separate bonuses)

• 20,000 TD Rewards points Bonus after making 1 purchase (no minimum amount)
• 115,000 TD Rewards points Bonus after spending $5,000 (in a maximum of 180 days)

135,000 TD Rewards points Total with the 2 parts of the bonus

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

Total rewards by unlocking the welcome bonus

• 135,000 TD Rewards points Welcome bonus (2 parts)
• 30,000 TD Rewards points Estimated earn on the minimum spending requirement of $5,000 (at multiplier earn rate of 6 pts/$)

165,000 TD Rewards points Welcome bonus + Earn on the minimum spending requirement to unlock it

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

Net value (at our Flytrippers Valuation of 0.5¢/pt)

• $100 Welcome bonus after 1^st purchase (20,000 pts)
• $575 Welcome bonus after min. spend (115,000 pts)
• $150 Earn on the required spending (30,000 pts)
• $100 Travel credit on $500+ hotel booking (2025)
• $100 Travel credit on $500+ hotel booking (2026)
• –$0 Card fee (rebated the 1^st year)

$1025 Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

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Effective return rate

20.5% Return on the minimum spending requirement of $5,000 in 180 days

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

$1025 Rewards you get for $0 in fees paid

‣ 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 165,000 TD Rewards points you get by unlocking the welcome bonus:

• $825 Travel booked on Expedia for TD
• $660 Travel booked on any website
• $545 Merchandise on Amazon
• ≈ $545 Gift cards
• ≈ $545 Merchandise
• $412 Statement credit

‣ Details of the best redemptions of TD Rewards points (coming soon)

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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
• 0.33¢ Merchandise on Amazon
• ≈ 0.33¢ Gift cards
• ≈ 0.33¢ Merchandise
• 0.25¢ Statement credit

‣ Details of the value per point

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 165,000 TD Rewards points for:

• 1,000 pts Discount of $5 on travel booked on Expedia for TD
• 10,000 pts Discount of $50 on travel booked on Expedia for TD
• 100,000 pts Discount of $500 on travel booked on Expedia for TD
• 165,000 pts Discount of $825 on travel booked on Expedia for TD

‣ Details of the best redemptions of TD Rewards points (coming soon)

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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 165,000 TD Rewards points for:

• 1,000 pts Discount of $4 on travel booked on any website
• 10,000 pts Discount of $40 on travel booked on any website
• 100,000 pts Discount of $400 on travel booked on any website
• 165,000 pts Discount of $660 on travel booked on any website

‣ Details of the best redemptions of TD Rewards points (coming soon)

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Redemptions for anything other than travel

Should always be avoided, as with (almost) all rewards!

‣ Details about why you should always use your rewards for travel

(NEW BENEFIT COMING APRIL 30, 2025 EVEN IF YOU GET THE CARD BEFORE) 4 annual free passes for VIP airport lounges worldwide
You get 4 free passes to enter 1,200+ airport lounges around the world, including 24 in 9 Canadian airports. All DragonPass lounges (Visa Airport Companion by DragonPass).

‣ Details of the TD First Class Travel lounge access benefit

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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.

‣ Details about the TD Birthday Bonus (coming soon)

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Annual $100 travel credit^†
You get a $100 travel credit that applies on your 1^st hotel booking of $500 or more at Expedia For TD every calendar year, so 1 in 2025 and 1 in 2026.

‣ Details about the TD annual travel credit (coming soon)

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

‣ Details about the TD and Starbucks partnership (coming soon)

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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.

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

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

‣ Details about the Visa Infinite Hotel Collection (coming soon)

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

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

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

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

Insurance included

• Medical travel insurance for age 64 and under (21 days)^†
• Medical travel insurance for age 65 and above (4 days)^†
• 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^†
• Extended warranty coverage^†
• Purchase protection coverage^†
• Mobile device insurance^†

‣ Details about the insurance coverage included with the card (coming soon)

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Insurance not included (among the main types)

• None

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

Earn rates (and effective return at our Flytrippers Valuation)

8 points per $ (4%):

• Travel booked through Expedia For TD^†

6 points per $ (3%):

• Groceries^†
• Indirectly at all retailers from the gift cards display in grocery stores^†
• Restaurants^† (and food delivery apps)

4 points per $ (2%):

• Recurring bill payments set up on your Account^†

2 points per $ (1%):

• All other purchases^†

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool TD Rewards points with additional cards (“joint” cards) added to this account. Additional cards have a fee of $50 (rebated in the 1^st year for the 1^st additional card if added to account while this offer is in effect)^†.

‣ Details about pooling rewards with additional cards (coming soon)

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Pooling (with separate cards that earn TD Rewards points)
You can pool points across your separate cards that earn TD Rewards points.

‣ Details about pooling TD Rewards points from separate cards (coming soon)

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Pooling (with travel companions)
You cannot pool TD Rewards points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling TD Rewards points with travel companions (coming soon)

Expiration (if you have the card)
TD Rewards points never expire as long as you have the TD First Class Travel^® Visa Infinite^* Card!

‣ Details about TD Rewards points expiration (coming soon)

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Expiration (if you don’t have the card)
You have 3 options to easily keep your TD Rewards points from expiring even without the card:

• Change the card to its no-fee version instead of closing it
• Combine points with those from another card that earns TD Rewards points
• Redeem points in the 90 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the TD First Class Travel^® Visa Infinite^* Card
• Make 1 purchase (no minimum) to unlock 1^st part of bonus
• Spend $5,000 (in a maximum of 180 days) to unlock 2^nd part of bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

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How to use/manage rewards

• Create a TD online account in a few clicks
• Use/manage your TD Rewards points on the TD website

‣ Learn more about how to use/manage TD Rewards points (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

‣ Details about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility
You must not have activated or closed the TD First Class Travel^® Visa Infinite^* Card in the past 12 months.

‣ Details about credit card welcome bonus eligibility rules (coming soon)

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Offer end date
Offer effective as of January 7, 2025.

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

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Summary of card details

• Issuer: TD Bank Canada (Toronto-Dominion)
• Network: Visa
• Card type: Credit card
• Product type: Personal card
• Rewards: TD Rewards points
• Rewards class: Bank rewards

‣ Details about credit card basics (coming soon)

Fees

• Card fee: $139/year (rebated in the first year)
• Fee for optional additional card: $50/year (rebated in the first year)
• Foreign transaction fee: 2.5%^†
• Balance transfer fee: 3%^†

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

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Annual interest rates

• Purchases: 20.99%^†
• Funds advances: 22.99%^† (20.99% for Québec residents)^†

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Special Offer

Earn up to $1,000 in value^†, including up to 135,000 TD Rewards Points, no Annual Fee for the first year^† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card^†. 

• Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening^†. 

• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 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 for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Starbucks Bonus Offer for New Linked Membersx: Link your TD First Class Travel Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards. 

Your Card also allows you to enjoy: 

• An annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.  

• TD Rewards Birthday bonus^† that helps you celebrate in style. 

• An extensive suite of travel insurance coverages which helps you travel prepared 

• No travel blackouts^†, no seat restrictions^† and no expiry^† for your TD Rewards Points as long as your account is open and in good standing. 

• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.  

• Earn 8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^† 
• Earn 6 TD Rewards Points^† for every $1 you spend on Groceries and Restaurants^†.  
• Earn 4 TD Rewards Points^† for every $1 you spend on regularly recurring bill payments set up on your Account^† 
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points

Explore the travel benefits and insurance coverages included with your Card: 

• $100 TD Travel Credit^† 

Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.  

• Travel Medical Insurance^† Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available. 
• Flight/Trip Delay Insurance^†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours. 
• Trip Cancellation/Trip Interruption Insurance^† For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip. 

• Common Carrier Travel Accident Insurance^† Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental) 
• Emergency Travel Assistance Services^† Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling. 
• Delayed and Lost Baggage Insurance^† Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost. 
• Auto Rental Collision/Loss Damage Insurance^† 

Coverage up to 48 consecutive days 

• Visa Infinite Luxury Hotel Collection^†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. 
• Visa Infinite Dining Series^†: As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines. 
• Visa Infinite Wine Country Program^†: Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more. 
• Visa Infinite Entertainment Access^†: Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival^® 

• Mobile Device Insurance^†:  

Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices. 

• Hotel/Motel Burglary Insurance^†: coverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with 

the Cardholder. 

• Purchase Security and Extended Warranty Protection^†:  You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.