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TD First Class Travel Visa Infinite Card Review



Annual Fee


Annual Rewards

135,000 points

Intro Offer


Annual fee


Annual rewards

135,000 points

Intro offer


  • Earn high rewards on travel purchases
  • Comprehensive travel insurance coverage
  • Redeem points for any travel purchase
  • No blackout dates or travel restrictions
  • $100 travel bonus upon joining


  • Annual fee of $120
  • Limited flexibility in non-travel rewards redemption
  • Lower rewards rate on everyday purchases
  • Must book travel through TD’s Expedia for Travel to maximize point value
  • Not suitable for those who rarely travel

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The TD First Class Travel Visa Infinite Card has earned a 4.05 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the TD First Class Travel Visa Infinite Card are insurance and rewards.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the TD First Class Travel Visa Infinite Card the most important factors for scoring this card are its insurance and rewards.


With the TD First Class Travel Visa Infinite Card, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Bills4 points
Pharmacy2 points
Gas2 points
Groceries6 points
Restaurants6 points
Specific Stores8 points
Travel2 points
All Other Spend2 points

Calculating your annual rewards

We estimate that spending $2,000 per month with the TD First Class Travel Visa Infinite Card would earn $486 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

Specific Stores$48
All Other Spend$102

Our study investigating the value found that each dollar spent on the TD First Class Travel Visa Infinite Card is worth up to $0.01, depending on how you redeem.

This $486 in rewards value puts the TD First Class Travel Visa Infinite Card in the top 30% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the TD First Class Travel Visa Infinite Card earns $486 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

SpendThis CardAverage
Above, we’ve calculated the earn rate for the TD First Class Travel Visa Infinite Card for every spend category and compared it to the average for all Canadian credit cards.
Redemption methodAnnual rewards
Redeem for travel$389
Apply to statement credit$243
Gift cards$243$321
Expedia travel$486
Educational rewards$389

For an annual spend of $24,000, we estimated annual rewards value at up to $486.

That’s equivalent to a 2.03% return on spending.

The TD First Class Travel Visa Infinite Card has an annual fee of $139. After deducting this, we predicted net annual rewards of $347.

This puts it in the top 40% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The TD First Class Travel Visa Infinite Card has a $139 annual fee.

The average card charges $85. So, the TD First Class Travel Visa Infinite Card is in the top 20% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The TD First Class Travel Visa Infinite Card scored a 3.2 out of 5 for perks, putting it in the top 10% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash Advance22.99%
Balance Transfer22.99%

The average (median) credit card has a purchase interest rate of 19.99% and so the TD First Class Travel Visa Infinite Card charges 1% more than the average.

For cash advances it costs 22.99% compared to the average of 19.96%.

Testing the TD First Class Travel Visa Infinite Card with a $2,000 starting balance, you can see in the graph how the 1% more in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

InsuranceThis CardAverage
Extended Warranty1 year1 year
Purchase Protection90 days90 days
Travel Accident$500,000$500,000
Emergency Medical Term21 days15 days
Emergency Medical over 654 days4 days
Trip Cancellation$1,500$1,500
Trip Interruption$5,000$2,000
Flight Delay$500$500
Baggage Delay$1,000$500
Lost or Stolen Baggage$1,000$1,000
Rental Car Theft & DamageYesNo
Mobile Phone Insurance$1,000$1,000

We scored it 4.2 out of 5 for insurance.

It offers 12 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score760 – 900
Personal Income$60,000
Household Income$100,000
Annual Fee$139
Extra Card Fee$0
Card typeVisa

We scored it 2.5 out of 5 for approval.

We predict that you will require a credit score of at least 760 to qualify for the TD First Class Travel Visa Infinite Card, while the average card requires 652 to qualify.

This puts it in the top top 10% of cards by approval difficulty.

The personal income requirements are $60,000, while the average card requires $23,896.

This puts it in the top 20% of cards by the income required to qualify.

The TD First Class Travel Visa Infinite Card offers Canadian consumers the opportunity to earn rewards at an accelerated rate, combined with extensive travel benefits. Let’s delve into the details of this popular credit card, exploring its earning potential, benefits, drawbacks, and additional noteworthy elements.

Earning Potential with the Card

The TD First Class Travel Visa Infinite Card earns TD Points on every purchase made with the card. Cardholders can expect to receive 9 TD Points for every dollar spent on travel in the ExpediaForTD online shop and 3 TD Points per dollar spent on all other purchases.

Reward rates for different categories, such as dining, travel, and groceries, are consistent at 3 TD Points per dollar, with travel through ExpediaForTD being the exception.


  1. Benefit: The first major advantage of this card comes from its high points earning potential, particularly for individuals who frequently book travel through Expedia. With 9 TD Points per dollar spent on ExpediaForTD and a competitive earning rate of 3 TD Points for other categories, cardholders can enjoy substantial rewards accumulation.
  2. Benefit: The second major advantage is the comprehensive travel insurance package that includes emergency travel medical, trip cancellation, trip interruption, lost/delayed baggage, and more. This protection can provide immense peace of mind for those who frequently travel.
  3. Benefit: The third major benefit of the TD First Class Travel Visa Infinite Card is the exclusive Visa Infinite perks. These include hotel and dining experiences through the Luxury Hotel Collection and Tasting Series at Visa Infinite Dining events.
  4. Benefit: Lastly, this card offers a valuable welcome bonus, often in the form of TD Points and a waived annual fee for the first year. These can help offset some of the initial costs and provide cardholders with a strong head start on point accumulation.


  1. Drawback: The primary drawback of the TD First Class Travel Visa Infinite Card is its $120 annual fee, which might be discouraging for some potential cardholders. However, the waived annual fee for the first year could help mitigate this drawback.
  2. Drawback: Another drawback is that the high reward rate of 9 TD Points per dollar spent is limited to travel bookings through ExpediaForTD. This might not be appealing for individuals who prefer other travel booking platforms or are looking for increased rewards in other categories, such as groceries or gas.

Additional Information

In addition to its earning potential, benefits, and drawbacks, the TD First Class Travel Visa Infinite Card also offers cardholders the option to redeem points for cash, merchandise, or gift cards, providing greater flexibility in point usage.

Moreover, being a Visa card ensures wide acceptance, facilitating a hassle-free usage experience whether at home or abroad.

Is the TD First Class Travel Visa Infinite Card not convincing you? Consider the MBNA Rewards Platinum Plus MasterCard (QC) or the MBNA Smart Cash World MasterCard (QC). Still not the right credit card? Make sure not to miss the MBNA True Line MasterCard.


With the TD First Class Travel Visa Infinite Card, you can redeem your points for various rewards through the TD Rewards program. The primary focus of this credit card is travel, so you’ll find many travel-related redemption options. Here’s a detailed list of what you can redeem your points for:

  • Travel rewards: You can use your points to book flights, hotels, car rentals, vacation packages, and cruises through the TD Travel Rewards Centre or Expedia for TD.
  • Gift cards: Redeem your points for gift cards from popular retailers, restaurants, and more, including options in travel, entertainment, and shopping categories.
  • Merchandise: Use your points to shop for merchandise from the TD Rewards catalogue, including electronics, kitchen appliances, jewellery, and more.
  • Cash credits: Apply your points to reduce your credit card account balance as a statement credit.
  • Educational funds: Convert your points into funds for RESP (Registered Education Savings Plan) or make payments towards qualifying post-secondary education expenses.
  • Charitable donations: Use your points to make donations to select registered charities through the TD Rewards program.

Note that the value of your points may vary depending on the specific redemption option you choose. For the best value, it’s generally recommended to use your points towards travel rewards or to book with Expedia for TD.

The TD First Class Travel Visa Infinite Card charges a foreign transaction fee of 2.5% on all purchases made in a foreign currency. This fee applies to both in-person transactions conducted abroad and online purchases made with international merchants.

Cardholders should be aware of this fee when using the card for transactions outside of Canada or when buying from foreign websites.

Yes, the TD First Class Travel Visa Infinite Card has a minimum personal income requirement of $60,000 or a household income of $100,000 for applicants to be considered eligible for this card.

Key benefits

  • Annual interest rate: 19.99% on purchases, 22.99% on cash advances
  • Primary cardholder annual fee: $120
  • Additional card fee: $0
  • Minimum annual income requirement: $60,000 personal or $100,000 household
  • Earn 3 TD Points per $1 spent on dining and grocery purchases
  • Receive 9 TD Points per $1 spent on travel purchases through Expedia For TD
  • Redeem points for travel, merchandise, gift cards, or cash back in your account
  • Exclusive concierge services and luxury hotel benefits
  • Emergency roadside assistance coverage
  • Zero liability protection for unauthorized transactions

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