TD First Class Travel Visa Infinite Card Review for 2024

Last Updated on

Written by Enoch Omololu

Snappy Rates is reader-supported. This means if you click on some of our links, we may earn a commission. This does not affect the objectivity of our evaluations. Read our disclosure.

If the topic is about the best travel credit cards in Canada, the TD First Class Travel Visa Infinite card won’t be missed.

It’s ideal for travellers who often book their tickets through Expedia and want generous TD Reward Points for their daily purchases. 

This TD First Class Travel Visa Infinite Card review goes over the card’s main benefits and disadvantages, as well as its point redeeming and application processes.

Table of Contents Show

TD First Class Travel Visa Infinite Card – Summary

TD First Class Travel Visa Infinite Card

Rewards: Earn up to 9 TD Points for every $1 spent.

Interest rates: 19.99% for purchases, 22.99% for cash advances.

Annual fee: $120

Recommended credit score:
660
900

Good to Excellent

TD First Class Travel Visa Infinite Card
APPLY NOW

On TD’s website

  • Earn 9 TD Points for every $1 spent on travel purchases through Expedia for TD.
  • Earn 3 TD Points for every $1 spent on all other purchases.
  • No limits to how many points you can earn. Points don’t expire as long as your account is open and in good standing.
  • Redeem points for travel at ExpediaForTD.com, purchases at Amazon.ca, statement credits, and more.
  • Earn 50% more Stars at participating Starbucks.
  • Comprehensive travel insurance includes travel medical, trip cancellation/interruption, common carrier travel accident, and delayed and lost baggage insurance.
  • Receive a discount on an annual Priority Pass membership.
  • Auto rental collision/loss damage insurance, along with purchase security and extended warranty protection, are included.
  • Get savings of up to 10% off at Avis and Budget car rental locations.
  • A minimum personal income of $60,000 or household income of $150,000 is required to apply.

Earn unlimited TD Points on everyday purchases

Flexible points redemption options

Comprehensive travel insurance

High income requirement

No travel benefits besides insurance

$120 annual fee

The TD First Class Travel Visa Infinite Card is a top choice if you want to earn points that can be flexibly redeemed for travel, cash back, and more. There’s no limit to the number of points that you can earn.

Benefits Of The TD First Class Travel Visa Infinite Card

Below are the top TD First Class Travel Visa Infinite card benefits.

Earn TD Rewards Points

This credit card offers generous TD Reward Points for your travel and everyday purchases.

When booking through Expedia, you can earn 8 TD Rewards Points per dollar you spend.

For other spending categories, use the table below to know how many Rewards Points you can earn.

Spending CategoryTD Rewards Points Per $1 Spent
Groceries and Restaurants6
Recurring Bill Payments4
Other Eligible Purchases2

Note: Each year, only the first $25,000 you spend on recurring bill payments, as well as grocery and restaurant purchases, will earn TD Rewards Points at their original rate. However, there is no limit on the amount of TD Rewards Points you can earn on all other purchases.

Birthday Bonus

On your birthday, your Travel Visa Infinite Account will receive bonus Rewards Points equal to 10% of the total points you’ve accumulated for the past 12 months. The maximum birthday bonus you can get is 10,000 TD Rewards Points.

Travel-Exclusive Benefits And Insurance 

As a travel rewards card, the TD First Class Travel Visa Infinite card offers many travel-exclusive benefits. The most notable ones are listed below.

Receive up to $2 million in medical insurance during the first 3 weeks of travel away from your territory or province of residence. Seniors 65 years old and older only get 4-day coverage.

Receive up to $500 trip/delay insurance per person if the trip or flight you booked through the TD First Class Travel Visa Infinite card is delayed for over 4 hours.

The TD First Class Travel Visa Infinite card car rental insurance gives you insurance coverage for unexpected collisions or loss damage to the cars you rent for a maximum of 48 continuous days.

Visa-Infinite Benefits

As part of Visa Infinite cards, this TD credit card allows you to enjoy various Visa Infinite benefits, including access to exclusive gourmet events, luxury hotel benefits, and Toronto International Film Festival offers.

Top-level Security

TD prioritizes your security. Hence, when using TD Rewards credit cards, you’ll get extensive purchase security, extended warranty protection, and instant fraud alerts on your mobile phone.

You’ll also receive up to $1,000 insurance coverage for your mobile device and up to $2,500 in case of a motel/hotel burglary.

Downsides Of The TD First Class Travel Visa Infinite Card

Despite being one of the best credit cards for travel rewards, the TD First Class Travel Visa Infinite card has several downsides.

High-income requirement: To have this credit card, you must have a personal annual income of at least $60,000 or an annual household income of $100,000 or more.

The TD First Class Travel Visa Infinite card foreign transaction fee: Unlike many other best travel credit cards in Canada, this TD card doesn’t waive your foreign transaction fees.

A $139 annual fee: This credit card isn’t the most budget-friendly with its $130 annual fee.

How To Apply For The TD First Class Travel Visa Infinite Card

Canadian residents over the provincial age of majority can apply for this card as long as they have at least $60,000 annual personal income or at least $100,000 annual household income. Having a valid and working email address is also mandatory.

You may apply for this card online, via phone, or by visiting a local branch.

How To Redeem TD Points

The TD Rewards program allows you to earn Rewards Points whenever you make eligible purchases. You may then redeem your accumulated points in multiple ways, giving you flexibility and options.

Some of the most common ways to redeem TD points are redeeming:

  • For gift cards
  • At popular retailers like Amazon or Starbucks
  • For a cash credit to reduce your TD credit card balance

Travellers also have the choice to redeem their Rewards Points through the Expedia for TD platform, which allows you to seamlessly use your points to pay for a portion or the entirety of your online travel purchases on Expedia.

TD First Class Travel Visa Infinite Card Alternatives

If you’re open to other credit card options, you may want to consider the alternatives below.

Scotiabank Passport Visa Infinite Card

Scotiabank Passport Visa Infinite Card

Rewards: Earn up to 3x Scene+ points on groceries, dining, and entertainment.

Welcome offer: Earn up to 35,000 bonus Scene+ points in the first year (up to $400 towards travel).

Interest rates: 20.99% for purchases, 22.99% for cash advances

Annual fee: $150

Recommended credit score:
760
900

Very Good to Excellent

scotiabank passport visa infinite cardart
APPLY NOW

On Scotiabank’s website

  • Earn 3 Scene+ points for every $1 spent on groceries at participating retailers like Safeway, Sobeys, Foodland, and FreshCo (up to $50,000 annually).
  • Earn 2 Scene+ points for every $1 spent on dining, other eligible grocery stores, and daily transit (up to $50,000 annually).
  • Earn 1 Scene+ point for every $1 spent on all other purchases.
  • Redeem Scene+ points for virtually anything, including travel, merchandise, dining, groceries, statement credits, and more.
  • No foreign transaction fees are charged on purchases outside of Canada.
  • 6 complimentary airport lounge passes per year.
  • Book and redeem travel through Scene+ Travel.
  • Get a complimentary Avis Preferred Plus membership, which includes complimentary upgrades and discounts of up to 25% off.
  • Visa Infinite benefits, like a 24/7 concierge service and guaranteed best hotel rates, are included.
  • Insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
  • Purchase security and extended warranty protection are included.
  • A minimum income requirement of $60,000 personal or $100,000 household is required to be eligible.

No foreign transaction fees

6 free airport lounge visits per year

Flexible redemption options for Scene+ points

$50,000 spend cap on the 3x and 2x categories

High income requirement of $60,000 or $100,000

High annual fee

The Scotiabank Passport Visa Infinite Card is your travel companion wrapped up into a credit card. For a $150 annual fee, you don’t pay FX fees, get 6 complimentary airport lounge visits per year, an Avis Preferred Plus membership, various travel insurance benefits, and more on top of earning and redeeming Scene+ points.

Tangerine World Mastercard

Tangerine World Mastercard

Rewards: Earn 2% unlimited cash back in up to 3 spending categories of your choice, plus 0.50% on all other purchases.

Welcome offer: Get 15% cash back on up to $1,000 in the first 2 months ($150 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

Recommended credit score:
600
900

Fair to Excellent

Tangerine World Mastercard
APPLY NOW

On Tangerine’s website

  • Earn 2% cash back on up to 3 spending categories of your choice with no limits.
  • Earn unlimited 0.5% cash back on all other purchases outside those categories.
  • Cash back is earned daily and paid out monthly.
  • Promotional balance transfer interest rate of 1.95% for 6 months.
  • Stay connected to over 1 million wifi hotspots with Boingo Wi-Fi for Mastercard.
  • Receive a complimentary membership to Mastercard Travel Pass provided by DragonPass.
  • Access on-demand and subscription services as a Tangerine Cardholder.
  • $1,000 mobile device insurance and rental car collision/loss damage insurance are included.
  • Purchase assurance and extended warranty benefits are included.
  • No annual fee.
  • Track and categorize your spending with the Tangerine mobile app.
  • To be eligible, you must make a minimum of $60,000 personal or $100,000 household annual income.

Earn 2% cash back in up to 3 categories

No annual fee

Includes Mastercard travel benefits and mobile device insurance

High income requirement needed to qualify

No physical bank branches

No travel insurance included

The Tangerine World Mastercard requires a higher annual income but comes with more travel benefits and insurance coverage than the Money-Back Credit Card. The Mastercard Travel Rewards, Boingo Wi-Fi for Mastercard, and Mastercard Travel Pass make it worth applying for.

Scotiabank Gold American Express Card

Scotiabank Gold American Express Card

Rewards: Earn up to 6x Scene+ points for every $1 spent.

Welcome offer: Earn up to 45,000 bonus Scene+ points in the first year, plus the first year annual fee waived.

Interest rates: 20.99% for purchases, 22.99% for cash advances.

Annual fee: $120

Recommended credit score:
660
900

Good to Excellent

Scotiabank Gold American Express Card
APPLY NOW

On Scotiabank’s website

  • Earn 6 Scene+ points for every $1 spent at Sobeys, FreshCo, Safeway, Foodland, and other participating grocery stores.
  • Earn 5 Scene+ points for every $1 spent on dining, food delivery, other grocery stores, and at Cineplex theatres and Cineplex.com.
  • Earn 3 Scene+ points for every $1 spent on daily transit, gas, and select streaming services.
  • Earn 1 Scene+ point for every $1 spent on everything else.
  • Accelerated earn rates (6, 5, and 3 Scene+ points for every $1 spent) are capped at $50,000 annually.
  • Redeem Scene+ points at participating grocery stores, restaurants, entertainment purchases, movie tickets, statement credits, and more.
  • Pay no FX fees when travelling abroad.
  • Access Amex Invites, Offers, and Front of the Line perks.
  • Book and redeem travel through Scene+ Travel.
  • Get a discount on the Priority Pass Membership.
  • Access complimentary concierge services 24/7.
  • Travel insurance includes: travel emergency medical, trip cancellation/interruption, flight delay, delayed or lost baggage, travel accident, hotel/motel burglary, and rental car collision/loss damage insurance.
  • New mobile device insurance up to $1,000 is included.
  • Purchase security and extended warranty benefits are included.
  • Each supplementary card costs $29 yearly.
  • Minimum credit limit: $5,000.
  • The minimum personal income requirement is $12,000 per year.

No foreign transaction fees

High earn rate on groceries, dining, and Cineplex purchases

Comprehensive travel insurance included

Earn rates on most categories are capped at $50,000 per year

$120 annual fee + $29 for supplementary cardholders

$12,000 minimum personal income requirement

For a moderate $120 annual fee, the Scotiabank Gold American Express Card offers a high earning potential in categories like dining, groceries, and entertainment. It has a flexible redemption program and comprehensive travel insurance, plus no FX fees.

Marriott Bonvoy American Express Card

Marriott Bonvoy American Express Card

Rewards: Earn 5 points per $1 spent at Marriott Bonvoy hotels and 2 points per $1 spent on all other purchases.

Interest rates: 19.99% for purchases, 21.99% for cash advances.

Annual fee: $120

Recommended credit score:
600
900

Fair to Excellent

Marriott Bonvoy American Express Card
APPLY NOW

On American Express’s website

  • Earn 5x Marriott Bonvoy points on all eligible purchases at Marriott Bonvoy hotels.
  • Earn 2x Marriott Bonvoy points on all other purchases.
  • Existing Marriott Bonvoy members earn points twice when using this card.
  • Redeem points for free hotel stays at over 30 hotel brands with no blackout dates.
  • Transfer points to frequent flyer miles at various airlines.
  • Receive one free hotel stay per year.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status.
  • After spending $30,000 or paying for 10 hotel stays per year in combination with 15 Elite Credits, automatically upgrade to Gold Elite status.
  • Receive 15 Elite Night Credits each year to attain the next level of Marriott Bonvoy status.
  • Refer your friends and get up to 150,000 bonus points each year.
  • Travel coverage includes flight delay, baggage delay, hotel burglary, lost or stolen baggage, and $500,000 travel accident insurance.
  • Car rental damage and theft insurance are also included.
  • Shop confidently with buyer’s assurance and purchase protection plans.
  • Access American Express Experiences and Events.
  • No minimum income is required to apply.

Earn 5x the points on Marriott Bonvoy hotels with no limits

Complimentary Silver Elite status that can be upgraded

Comprehensive travel insurance

Points can only be redeemed at Marriott Bonvoy hotels

Only 1 free hotel night per year

You must spend $30,000 to upgrade to Gold Elite status

For a $120 annual fee, the Marriott Bonvoy American Express Card comes with many travel perks and insurance benefits. This is the perfect card for those loyal to the Marriott Bonvoy program, as you earn an unlimited 5 points for every $1 spent at participating hotels.

American Express Cobalt Card

American Express Cobalt Card

Rewards: Earn up to 5x Membership Rewards points on purchases.

Interest rates: 20.99% for purchases, 21.99% for cash advances.

Annual fee: $155.88 ($12.99 paid monthly)

Recommended credit score:
660
900

Good to Excellent

American Express Cobalt Card
APPLY NOW

On American Express’ website

  • Earn 5x the points on eligible restaurants and food delivery in Canada (up to $30,000 annually).
  • Earn 3x the points on streaming subscriptions in Canada.
  • Earn 2x the points on travel and transit purchases.
  • Earn 1x points on all other purchases.
  • Earn 1 additional point on eligible car rental and hotel bookings through Amex Travel Online.
  • Membership Rewards points can be redeemed for travel, merchandise, Amazon.ca purchases, gift cards, or statement credits.
  • You can optionally transfer your points 1:1 to several frequent flyer and loyalty programs.
  • New mobile device insurance is included.
  • Receive regular perks with the Cobalt Perks program.
  • Get one $100 USD hotel credit to use plus a one-category room upgrade when staying at eligible hotels.
  • Out-of-province/country emergency medical, flight delay, baggage delay, hotel burglary, lost or stolen baggage, car rental theft and damage, and $250,000 travel accident insurance are included.
  • Shop confidently with buyer’s assurance and purchase protection plans.
  • Stay connected with American Express Front of the Line presales and reserved tickets, as well as American Express Experiences.
  • No minimum income requirement.

High rewards rate on food and streaming subscriptions

Redeem your points for almost anything or transfer 1:1

Various travel insurance and shopping coverage included

$12.99 monthly fee

$30,000 annual spend cap on the 5x earn category

American Express isn’t accepted at some retailers

The American Express Cobalt Card offers high earn rates on restaurants, food delivery, and select streaming subscriptions in Canada. Points can be redeemed for almost anything, and it includes comprehensive travel and shopping coverage as well as a $100 USD annual hotel credit.

TD First Class Travel Visa Infinite Card: Conclusion

Overall, the TD First Class Travel Visa Infinite card stands out as a top-tier option not only among TD rewards credit cards but also compared to other banks’ offerings.

Despite the $139 annual fee, this card’s extensive range of benefits, tailored specifically for travellers, make it a worthwhile investment for optimizing travel experiences, safety, and Reward Points.

 TD First Class Travel Visa Infinite Card vs Alternative Cards

Credit CardsAnnual FeeAPR PurchasesAPR Cash AdvancesRewards (per $1 spent)
TD First Class Travel Visa Infinite Card$13920.99%22.99%Up to 8 TD Rewards Points
Scotiabank Passport Visa Infinite Card$15020.99%22.99%Up to 3X Scene+ points
Tangerine World Mastercard$019.95%19.95%Up to 2% cash back
Scotiabank Gold American Express Card$12020.99% 22.99%Up to 6X Scene+ points
Marriott Bonvoy American Express Card$12019.99%21.99%Up to 5X Marriott Bonvoy Points
American Express Cobalt Card$155.8820.99%21.99%Up to 5X American Express points

Related:

Share on Pinterest

Bonuses & Deals for October

kohoprepaidcard-img3
Apply

Free prepaid card with up to 5% cashback. No credit check & $20 bonus when you complete your first purchase.

simplii logo
Apply

Unlimited transactions with free chequing account and $500 welcome bonus!

No current offers for this category.

Subscribe to our Newsletter!

Subscribe to get the latest personal finance news, offers, and our weekly newsletter. You can unsubscribe at any time.

Gravatar for Enoch Omololu

Enoch Omololu

Enoch Omololu is a personal finance expert. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. Enoch is passionate about helping others win with their finances and has written about money matters for over a decade. He has been featured or quoted in The Globe and Mail, CBC News, Yahoo Finance, GO Banking Rates, Financial Post, Bankrate, Forbes, Toronto Star, CTV News, and other personal finance publications. He founded Savvy New Canadians, one of Canada’s top financial education platforms.

Related posts

Text that reads “Neo Financial Mastercard Review” beside an image of a phone with the Neo app
Neo Financial Mastercard Review for 2024

image showing credit cards
How to Apply for Credit Card in Canada in 2024

Understanding How Credit Card Churning Works in Canada

image showing different types of credit card
10 Types of Credit Cards in Canada: What You Need to Know

Leave a comment

snappy rates logo

© 2024 Snappy Rates. All Rights Reserved.

Company

Credit cards

National Bank World Elite Mastercard Review 2024

Scotia Momentum No-Fee Visa Card Review for 2024

BMO CashBack Mastercard Review

The Best Credit Cards For Young Adults in Canada (2024)

Understanding How Credit Card Churning Works in Canada

National Bank mycredit Mastercard Review for 2024

Follow us

SnappyRates.ca is for informational and educational purposes only. Therefore, under no circumstances should any information from this Website be used as a replacement for professional financial advice. Always consult a licensed financial or tax advisor before making decisions based on the information you read on this blog. Articles on SnappyRates.ca may contain affiliate links. That means if you decide to make a purchase or sign up through these links, we may earn a commission at no cost to you. Please read our Disclosure for more info.

Hello there
  • Best free chequing account offer in Canada!
  • Get a $500 welcome bonus*
  • Unlimited free transactions and no monthly fees.
  • Unlimited free debits & e-Transfers
GET OFFER
*Terms and conditions apply. Limited time offer.
  • Best free chequing account offer in Canada!
  • Get a $500 welcome bonus*
  • Unlimited free transactions & no monthly fees.
  • Earn internet on your balance.
GET OFFER
*Terms and conditions apply. Limited time offer.