VaultNerd
TD First Class Travel Visa Infinite Card
travel4.3 / 5

TD First Class Travel Visa Infinite Card

TD

Best for

Travellers who want big everyday earn rates and full travel insurance without an airline-specific program.

Apply on TD
Annual fee
$139
FX fee
2.5%
Purchase APR
21.99%
Income req.
$60,000 personal / $100,000 household
Recommended credit score
725+
Approval difficulty
Hard approval

VaultNerd estimate based on the card's tier and income requirements — not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

One of Canada's best bank travel-points cards for everyday spending, as long as you're happy redeeming through Expedia For TD. The travel credit and lounge visits soften the $139 fee.

Reward rates

Expedia For TD bookings
8 TD Rewards Points per $1 when you book travel through Expedia For TD
8x
Groceries
6x
Dining
6x
Public transit
6x
Recurring bill payments
4x
Streaming, digital gaming & media
4x
All other purchases
Plus an annual Birthday Bonus of up to 10,000 TD Rewards Points
2x

VaultNerd values these points at ~0.5¢ each.

Welcome bonus

~$964 value

Up to 165,000 TD Rewards Points (20,000 on first purchase + 145,000 with spend requirement) plus a first-year annual fee rebate; TD values the full offer at up to $1,400. Value shown is points at 0.5 cents each plus the $139 fee rebate.

Requirement: Spend $7,500 within 180 days of account opening; first purchase within 3 months for the fee rebate

Pros

  • Strong 6x earn on groceries, dining and transit
  • Excellent insurance suite plus $100 annual travel credit
  • Large first-year welcome offer with fee rebate

Cons

  • TD Rewards Points are worth only ~0.5 cents and are most valuable through Expedia For TD
  • Best value locks you into TD's travel portal

Perks

  • $100 annual TD Travel Credit on a $500+ Expedia For TD booking
  • 4 complimentary airport lounge visits per year via Visa Airport Companion Program
  • Annual Birthday Bonus of up to 10,000 TD Rewards Points
  • Points worth more when redeemed through Expedia For TD (200 points = $1)
  • Visa Infinite Concierge, Luxury Hotel Collection and Dining Series
  • Earn 50% more points at Starbucks when you link your card

Insurance

  • Travel emergency medical (up to $2M, 21 days under age 65)
  • Trip cancellation/trip interruption
  • Flight/trip delay
  • Delayed and lost baggage
  • Common carrier travel accident
  • Auto rental collision/loss damage
  • Hotel/motel burglary
  • Mobile device insurance
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.
Written by
The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“TD First Class Travel Visa Infinite Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/td-first-class-travel-visa-infinite, updated June 2026.

Sources
  • TD cardholder agreement and rates & fees disclosure
  • VaultNerd cards database