$25 GeniusCash + Up to 165,000 TD Rewards points (conditions apply).*
Pros & cons
Pros
- Up to 165,000 TD Rewards points. Conditions apply. Offer effective as of September 4, 2025.
- Earn 8 TD Reward Points for every $1 you spend when you book travel through Expedia® For TD.
- Visa Airport Companion membership with 4 free passes (conditions apply).
- Annual $100 travel credit (conditions apply).
- 12 types of insurance (conditions apply).
- Annual fee rebate for the first year (conditions apply).
Cons
- High income requirements of either $60,000 personal or $100,000 household.
- Points only worth 0.5 cents each.
Your rewards
$25 GeniusCash offer
On approval, receive $25 GeniusCash on us when you apply for TD First Class Travel Visa Infinite Card using this offer page.
GeniusCash offer expires on Oct 31, 2025.
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 165,000 points which translates to an estimated $825.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With TD First Class Travel Visa Infinite Card, here's how you earn rewards:
- 8 points per $1 spent on travel booked online through Expedia For TD
- 6 points per $1 spent on groceries , restaurants , and public transit
- 4 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 2 points per $1 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For TD First Class Travel Visa Infinite Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Travel from Expedia For TD | $475 | |
| Any travel | $380 | |
| Amazon | $314 | |
| Gift Cards | $238 | |
| Statement credits | $238 | |
| Merchandise | $219 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Travel from Expedia For TD | 0.5 cents | $5 |
| Any travel | 0.4 cents | $4 |
| Amazon | 0.33 cents | $3 |
| Gift Cards | 0.25 cents | $3 |
| Statement credits | 0.25 cents | $3 |
| Merchandise | 0.23 cents | $2 |
Calculating your annual rewards
$24,000 annual spending x 1.98% return on spending = $475 annual rewards
$475 annual rewards − $139.00 annual fee = $336 net annual rewards
Details and eligibility
- Estimated Credit Score
- 725 - 759
- Personal Income
- $60,000
- Household Income
- $100,000
- Annual Fee
- $139.00
- First Year Free
- Yes
- Extra Card Fee
- $50
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
- Travel Accident
- $500,000
- Emergency Medical Term
- 21 days
- Emergency Medical over 65
- 4 days
- Trip Cancellation
- $1,500
- Trip Interruption
- $5,000
- Flight Delay
- $500
- Baggage Delay
- $1,000
- Lost or Stolen Baggage
- $1,000
- Hotel Burglary
- $2,500
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
TD First Class Travel Visa Infinite Card's 4.4 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from TD
GC: $100
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 20,000 points when you make your first purchase with your card and another 145,000 points when you spend $7,500 in the first 180 days.
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,
- travel, 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% 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 8 points per $1 spent to go towards your next trip when you book travel online through Expedia®️ For TD.
Here are the other earn rates for this card:
- 6 points per $1 spent on groceries, restaurants and public transit
- 4 points per $1 spent on recurring bill payments and streaming/digital gaming/media
- 2 points per $1 spent on all other purchases.
You can also earn a birthday bonus of up to 10,000 points. And every year you have the card, you can get a $100 travel credit on a purchase of $500 or more at Expedia For TD.
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 rebated
This card comes with a $139 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 rebated. The $29.95 monthly banking plan fee can also be rebated if you keep a minimum balance of $5,000 in your account.
User reviews
Reviewed by 78 Canadians
Thank you for your review!
Hang tight while we verify and approve it.
If you want to see your review right away...
Create an account:
I think it has a very good value proposition for the occasional traveler ($100 credit and 4 lounge visits) for a reasonable fee and very good earning structure. Plus, wide acceptance as a Visa.
I was preauthorized to get this card from TD. I’m so disappointed with this credit card because without my authorization I was charged $7.5 for a monthly insurance protection fee.
Many vendors will send security code to your canadian number. If you are overseas and planning to use your card but do not have access to your canadian number, be ready to spend a considerable amount of time on the phone with customer service.
Love my card and the benefits. Can book travel any way or through expedia for TD. If you book any way, you just request to apply your points to your travel booking. You just need to provide transaction date and they apply the credit. Have used the cancellation insurance twice. Love the benefits. I get anywhere between $2000-4000 every year in points to use!
They call it First class travel Credit card however, I had to change my PIN while travelling as system was not accepting current PIN and I was told it cannot be done online or over the phone. They would send it in the mail, which did not help. I think for a travel card, there should be options to help clients while they are traveling.
Did not like that points for travel should be redeemed through Expedia.
