TD First Class Travel Visa Infinite review

How the First Class Travel card earns

Travel booked through Expedia For TD earns 8 TD Rewards points per dollar, dining and groceries earn 6 points, and everything else earns 2. The 6x rate on two everyday categories means the card earns well even when you aren’t travelling.

For example, a household spending $700 a month on groceries and $300 on dining earns 6,000 points a month, or 72,000 a year. Add $1,000 a month of other spending (24,000 points a year) and $3,000 of Expedia For TD travel (24,000 points), and the total is 120,000 points.

The 2x base rate also helps. Even spending that falls outside the bonus categories earns twice what a 1x card would, so the card doesn’t need to be paired with a second card to avoid weak earning.

The welcome offer

New cardholders can earn up to 146,000 TD Rewards points. Our data doesn’t list the spending requirements or timing, so check TD’s current offer terms before you apply.

The first-year annual fee on this card is often rebated, so check whether the current offer includes a rebate, which would make the first year cheaper to try.

Using TD Rewards points

TD Rewards points get the most use when you book travel through Expedia For TD, which is also where the 8x rate applies. That makes the card a good fit if you’re happy to book trips through TD’s portal, and a weaker one if you prefer booking directly with airlines and hotels.

TD Rewards aren’t a transferable currency, so plan around TD’s own redemption options rather than airline or hotel partners.

Fees, interest and the fine print

The annual fee is $139. Purchases in a foreign currency carry a 2.5% fee, about $25 per $1,000 spent abroad, which is worth remembering on trips even though the card is built for travel.

Purchase interest is 20.99% and cash advances are charged 22.99%. Paying the full balance by the due date avoids purchase interest.

Insurance coverage

The card includes a comprehensive travel insurance package, with emergency medical coverage for trips of up to 21 days. Check the certificate for eligibility, limits and exclusions.

• Travel emergency medical (21 days)
• Trip cancellation and interruption
• Flight and baggage delay
• Rental car collision and loss damage

Who it suits, and who should look elsewhere

The card suits households that spend steadily on groceries and dining, already bank with TD or are happy to, and are comfortable booking trips through Expedia For TD. At the example budget, groceries and dining alone earn 72,000 points a year, so the card holds up even in a year with little travel.

If you prefer booking directly with airlines or want points you can transfer to loyalty programs, a card that earns Aeroplan points or a transferable currency may suit you better. Frequent foreign-currency spenders should also weigh the 2.5% FX fee.

How it compares

The TD Platinum Travel Visa Card costs $89 a year and earns up to 6 points per dollar on Expedia For TD bookings, with a welcome offer of up to 50,000 TD Rewards points. It’s a cheaper way into TD Rewards if you don’t need the higher rates.

The BMO Ascend World Elite Mastercard costs $150 a year and earns 5 BMO Rewards points per dollar on travel and 3 on dining, entertainment and recurring bills, with airport lounge passes included.

Before you apply

The recommended credit score is 720 or higher, but TD makes the final decision. Confirm the welcome offer, any first-year fee rebate and current terms on TD’s website before you apply.