The TD First Class Travel Visa Infinite

March 27, 2020
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TD’s main travel card offers an excellent earn rate coupled with some of the best benefits the Big Five Bank has to offer. The TD First Class Visa Infinite card is ideal for those who like booking through Expedia, it also has a pretty strong travel insurance package along with great travel benefits to make your life overseas easier.

Welcome Bonus 7
Rewards Program 10
Earn Rate 9
Travel Benefits 10
Annual Benefits vs. Annual Fee 10
Referral Program 4
Travel Insurance 10
Purchase Coverage 10
Foreign Transaction Fees 4
Customer Service & Online Experience 8
Total 82
We recommend the TD First Class Travel Infinite Card: If you're a frequent traveler and use Expedia as your main way of booking trips or accommodations. This card rewards travel through Expedia for TD the most, and you can get a lot of value with its high earn rate.


We don’t recommend the TD First Class Travel Infinite Card: If you want a card that’s not so focused on travel, or if you would prefer having a card with more flexibility/value in its reward system.

However, if you want a card that breaches the gap between what you want and what the TD First Class offers, you should take these into consideration: the Scotiabank Gold American Express, the American Express Cobalt and the CIBC Aventura Visa Infinite all make great choices if you're looking for a strong travel card.

Features & Benefits

Welcome Bonus Points65,000 TD Points
Earn Rate on Travel9 TD Points per $1
Earn Rate on Everything Else3 TD Points per $1
Companion TicketsNo
Hotel BenefitsYes
Concierge ServiceYes
Comprehensive Travel Insurance Yes
Foreign Transaction Fees2.5%
Interest Rates19.99% for Purchase
22.99% for Cash Advances
Annual Fee$120

#1 Welcome Bonus

The TD First Class Travel offers a welcome bonus of up to 65,000 TD points (equivalent to $325 in travel value). When you first sign up, you get 20,000 points along with your first purchase, and for the first three months, you get 5X the number of points per dollar spent on all purchases, up to a total of 15,000 TD points per month. Not only this, but you also get a first-year annual fee rebate that extends to the first additional cardholder.

We value TD points at 0.5 cents per point (CPP), which makes the total value of this card’s welcome bonus come down to $325. Not great but definitely not bad either. Note that this offer is subject to change and is available until May 31, 2020.

TD First Class Travel Visa Infinite Welcome Bonus score: 7/10

#2 Rewards Program

The TD Rewards program works by using Expedia as its main way of redemption. Through the Expedia for TD portal you get the highest value of 5 CPP, and you can also get the highest earn rates, which we’ll discuss more in the next section.

The best option is to redeem for travel. To do so, TD points can be cashed either through Expedia for TD or with the Book Any Way option. Expedia for TD is basically the same platform as Expedia but adapted to be able to redeem and earn TD points with your bookings.

With Expedia for TD, points are valued at 0.5 CPP, that means 10,000 points = $50. Now, if you use Book Any Way the value drops to 0.4 CPP for the first $1,200 you buy, and after that, the value increases to 0.5 CPP. Note that this only works when you surpass the $1,200 limit within the same purchase. Book Any Way clearly has less value, but on the other hand, it does have a lot of flexibility for the range of things you can apply your points to, not only including flights or hotels, but also taxi fares, concert tickets, restaurant bills or almost any expense you incur in while on a trip.

Other things you can exchange TD points for include:

  • Gift cards.
  • Statement credits.
  • Merchandise.
  • Student loan payment.

However, these are valued between 0.25 and 0.4 CPP, so we don't recommend doing so.

TD First Class Travel Visa Infinite Rewards Program Score: 10/10

#3 Earn Rates

Spending Category Points Earned Per Dollar Spent
Travel 9
Food & Drinks 3
Gas & Groceries 3
Other 3

The TD First Class Travel Visa Infinite has by far the best earn rate for TD points out of all their cards. When you book travel online through Expedia for TD, you’ll get 9 points per dollar spent, and when you book by phone, you’ll get 6 points. For every other purchase with your card, you’ll get 3 points. Simple enough.

As you can see, this card has a great earn rate, but it is limited by having to use TD’s in-house portal to get the full value out of it. Still, if you’re a regular Expedia user, you should have no problem with this.

TD First Class Visa Infinite Earn Rates Score: 9/10

#4 Travel Benefits

The TD First Class is offers a strong overall package when it comes to travel benefits, here’s the rundown:

Companion Tickets
Hotel Status
Hotel Benefits
Annual Travel Credit
Airport Lounge Access
Airport VIP
Other Travel Benefits

The card gives you an annual discount on a Priority Pass membership, which is one of the best lounge services out there, providing access to over 1,200 lounges around the world. It also gives you access to its specialized ‘round the clock Emergency Travel Assistance Service, which can help you with things like getting new documents if lost, cash transfers or even translations in the case of an emergency situation. Additionally, the TD First Class gets you discounts in car rentals through Avis and Budget, with a minimum discount of 10% in Canada and the US and 5% internationally.

Some of the biggest travel benefits from this card come from the Visa Infinite program though. With the Visa Infinite Concierge service for example, you’ll have access to a personal travel assistant 24/7, so you can get everything from tourist recommendations, to booking your flight for you or arrange a transport service for yourself or others at the airport.

This card’s Visa Infinite status also offers access to exclusive places, through the Luxury Hotel Collection and Food and Wine Experiences programs.

TD First Class Travel Visa Infinite Travel Benefits Score: 10/10

#5 Annual Benefits vs. Annual Fee

The annual fee for the TD First Class comes at $120. Most cards in the Visa Infinite program fall within this price range, and when you look at the benefits it’s not hard to see why.

Its outstanding earn rate coupled with its welcome bonus and travel insurance coverage is enough to make this card’s fee worthwhile, but it also offers extra perks like its emergency travel assistance service and the Visa Concierge that give it even more value. And add to all that a first-year annual fee rebate! Additionally, this fee rebate is not only applied to the main cardholder but also to the first extra card.

Because of this, we hold the TD First Class to be greatly valuable during its first year, and a pretty good card after that.

TD First Class Travel Visa Infinite Annual Benefits vs. Annual Fee Score: 10/10

#6 Referral Program

Although this card doesn’t come with a referral bonus, TD does have a referral program for opening new checking accounts. When you refer someone, you and the referred person will both get $50 directly into each one’s accounts. You can refer up to 10 people per year.

This isn’t a good referral bonus when compared to other referral programs, like the American Express Cobalt, but it is nice to have a referral bonus in the form of cash and not tied to a particular rewards system.

For more details on TD’s referral program click here.

Even so, since this is a referral program for a TD bank account and not for the TD First Class Travel Visa Infinite, then we have to give the latter the lowest score in this category.

TD First Class Travel Visa Infinite Referral Program Score: 4/10

#7 Travel Insurance

Emergency Medical Insurance (Out of province/country) $1,000,000

Covers you, your spouse and dependant children for up to 21 consecutive days. If you or your spouse are aged 65 or older, you are covered for just 4 days. You can also request additional top-up coverage.
Travel Accident Insurance $500,000

This covers for losses while traveling on a common carrier, like a plane, train, ferry or auto rental.
Trip Cancellation Insurance $1,500 per person and up to $5,000 for all insured
Trip Interruption Insurance $5,000 per person and up to $25,000 for all insured
Flight Delay Insurance  
Baggage Delay $1,000

If your baggage is delayed more than 6 hours you won’t have to worry about getting the essentials you need for your trip.
Lost or Stolen Baggage Insurance $1,000
Hotel/Motel Burglary Insurance  
Car Rental Theft and Damage Insurance

Coverage for up to 48 consecutive days.

As expected of a Visa Infinite card, the TD First Class Travel offers comprehensive travel insurance coverage. Although it’s a glaring weakness that it doesn’t provide a flight delay or hotel burglary policy, it is still among the best you'll find.

TD First Class Travel Visa Infinite Travel Insurance Score: 10/10

#8 Purchase Coverage

This card comes with both purchase protection and extended warranty, which effectively means:

  • You can repair, replace or get reimbursement from eligible items if they’re stolen or damaged within 90 days of your purchase.
  • You get double the warranty, for up to an extra year, if the eligible item came with a manufacturer’s warranty valid in Canada.

TD First Class Travel Visa Infinite Travel Insurance Score:  10/10

#9 Foreign Transaction Fees

Sadly, this card does charge a foreign transaction fee. This means you’ll have to pay an extra 2,5% on all your purchases abroad or those that come from international retailers in foreign currency. Though this is pretty much the industry standard, there are cards that don't charge you this fee.

Another big letdown with this card is the foreign cash advance fee which is $10 per transaction! That's twice what most other cards, even non-travel cards, charge.

TD First Class Travel Visa Infinite Foreign Transaction Fees Score: 4/10

#10 Customer Service & Online Experience

As expected of one of Canada’s biggest banks, TD offers a great customer experience both in-person and online. TD’s experienced staff will make sure that you have a smooth transition out of any problem you might face while using their services.

The not-so-good part is, there are cases in which you’ll have to wait throughout a half hour or more to get help while on the phone, but sadly this is a common occurrence for most major banks due to their huge clientele.

TD First Class Travel Visa Infinite Customer Service & Online Experience Score: 8/10

Alternatives To The TD First Class Visa Infinite

Scotiabank Gold American Express

The Scotiabank Gold American Express has no foreign transaction fees, offers excellent travel benefits and has an outstanding earn rate for Scotia Reward points. At $120, it has the same annual fee as the TD First Class and its welcome bonus is also nothing to sneeze at: 20,000 points (equivalent to $200). With comprehensive travel insurance and lounge access, what else could you ask for?

Amex Cobalt Card

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The American Express Cobalt provides a great earn rate for food, drink and gas purchases. It has a nice welcome bonus of 30,000 MR points (travel value of $600) and a very high covering travel medical emergency insurance. If you’re a foodie, you’ll certainly love this card.

CIBC Aventura Visa Infinite

The signature card from CIBC has one of the best travel insurance packages available, providing hotel burglary coverage and even mobile device insurance up to $1,000. Aside from this, the card has a strong welcome bonus, lounge access + complimentary lounge visits, and of course all the benefits of the aforementioned Visa Infinite program, like its Concierge service.

Who Should Get The TD First Class Visa Infinite Card?

The main travel card from TD has a lot of benefits and fares well when compared to other similar cards. Its annual fee is somewhat high, but not really when you take into account all the benefits it provides.

If you’re a frequent traveler, and especially if you like using Expedia to book your trips, then you should definitely give this card a try.

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