Pairs well with...

 
Annual Fee
$120
Extra Card Fee
$50
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$60,000
Household Income
$100,000
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $500,000
Emergency Medical Term 21 days
Emergency Medical over 65 4 days
Trip Cancellation $1,500
Trip Interruption $5,000
Baggage Delay $1,000
Lost or Stolen Baggage $1,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

¹ 1 Must apply by December 1, 2019. Welcome Bonus of 20,000 TD Points will be awarded to the TD First Class Travel Visa* ("Account") only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in TD Points ("Welcome Earn Bonus") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Points of 60,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 18 TD Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 12 TD Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account, and earn 6 TD Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Points at the regular 9 TD Points for every $1 in Online Travel Purchases, earn 6 TD Points for every $1 in Phone Travel Purchases, and earn 3 TD Points ("Standard Rebate") on every $1 on all Other Purchases charged to the Account. To receive the additional 10,000 TD Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 10,000 Authorized User Bonus TD Points offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

² Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.

³ Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments

⁴ The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com

⁵ Subject to carrier/space availability.

⁶ TD Points do not expire as long as you are a Cardholder.

⁷ TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment.

⁸ Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

All trade-marks are the property of their respective owners.

* Trademark of Visa International Service Association and used under license.

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

If we find your match, we’ll give you up to $25 when you refer your friends.*

Our Review

Rewards and discounts are two things that the TD® First Class Travel®Visa Infinite* Card is all about.

It starts you off with up to 90,000 welcome points towards your first First Class Travel adventure:

  • 20,000 points when you make your first purchase with your card,
  • 10,000 when you add an authorized user, and
  • 2x the points for your first three months, up to 60,000 points earned.

However, when you are earning 2x the points, this part of the welcome bonus includes what you would normally be earning on regular spending anyway, and you'll notice that our calculator is showing a different number. So while you can earn a total of 90,000 points in the first 3 months, the welcome bonus itself won't be worth quite that much.

Plus, you'll get the first year free for the primary cardholder for a limited time, if you apply by December 1, 2019.

TD and Visa want their users to feel like they can travel in luxury, and they do a fairly good job of delivering on that. With discounts on:

  • car rentals,
  • airport lounge access, and
  • 24/7 Concierge Service

...this card could have you on your next luxury vacation – at a frugal cost – before you know it.

First Class Travel rewards

One thing that makes this card really stand out against its competitors is the ability to earn up to 4.5% back in rewards. That’s how much you'll earn anytime you book your travel through ExpediaForTD.com, which has all the same deals and options as regular Expedia.

So every time you travel, you could be earning 9 points per $1 spent to go towards your next trip.

Plus, every other dollar you spend will earn you 3 points, which equals 1.5% back in travel rewards booked through Expedia For TD – which is the best way to redeem your points.

Don’t forget, you’ll earn double these points for the first three months, up to 60,000 points.

These points never expire and can be used on:

  • any airline,
  • any travel purchase,
  • merchandise,
  • gift cards, or
  • as a credit to your TD Travel Credit Card account.

To find out even more about the TD Rewards program, be sure to check out our detailed review.

Travel perks and benefits

Because this card is a Visa Infinite card, there are more perks to list. Aside from the 24/7 Concierge Service, you get access to:

  • the Visa Infinite Luxury Hotel Collection – which you can use at over 900 hotels worldwide, and…
  • the Visa Infinite Dining Series with exclusive offers on food, wine, travel, entertainment and sports, as well as
  • 9 types of travel and purchase insurance.

Get your annual fee waived

This card comes with a $120 annual fee for the primary cardholder ($50 for authorized users), and a fairly high minimum income requirement of $60K ($100K for family).

But, if you’re a TD All-Inclusive Banking Plan customer, you can get the annual fee completely waived. The $29.95 monthly banking plan fee can also be waived if you keep a minimum balance of $5,000 in your account.

A travel card with a lower income requirement

As an alternative, the is a great card to consider.

You'll get many great perks, with no minimum income requirement:

  • 15,000 welcome bonus points after your first purchase, and up to 70,000 in your first year,
  • 6 different types of travel and purchase insurance,
  • discounts on car rentals and a Priority Pass membership, and
  • valuable points on every purchase you make.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

* Conditions apply.

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