Earn rates
The First Class Travel Visa Infinite earns at four rates. Travel booked through Expedia For TD earns 8x points. Groceries, dining, and public transit earn 6x. Recurring bills and streaming or digital subscriptions earn 4x. All other purchases earn 2x. The 6x on groceries and dining is among the highest earn rates on everyday categories for a $139 Canadian card. The 2x base rate means every dollar spent earns meaningful points, including categories that earn only 1x on most competing cards.
| Spending category | Earn rate | Points per $100 spent |
|---|---|---|
| Travel via Expedia For TD | 8x TD Rewards | 800 pts |
| Groceries, dining, public transit | 6x TD Rewards | 600 pts |
| Recurring bills, streaming / digital | 4x TD Rewards | 400 pts |
| Everything else | 2x TD Rewards | 200 pts |
TD Rewards points are worth about 0.5¢ each (200 pts = $1) redeemed for travel through Expedia For TD.
Grocery, dining, and transit earn applies to a combined maximum of $25,000 per year. Recurring bills and streaming earn also caps at $25,000 per year. Spending above those caps earns at the 2x base rate.
Welcome bonus
Up to 146,000 TD Rewards Points, across two milestones:
- 20,000 points on your first purchase.
- 126,000 points after $7,500 in purchases within 180 days of account opening.
The $139 annual fee is rebated for the first year, for both the primary cardholder and the first additional cardholder. Reaching the full bonus takes about $1,250 a month over six months. At 0.5¢ per point the 146,000 points are worth roughly $730 in travel booked through Expedia For TD, on top of the waived first-year fee and the $100 travel credit.
Points post after the qualifying spend is met, not at the moment of application. No end date has been published for this offer. Check the current offer before applying.
Key benefits
The $100 travel credit
The travel credit is issued once per year when you make a qualifying travel purchase of $500 or more through Expedia For TD. TD applies the $100 as a statement credit automatically. For any cardholder who books at least one trip of $500 or more through Expedia For TD each year, the effective net annual fee is $39. That changes the fee-value calculation significantly compared to the $139 face fee.
Travel insurance on the TD First Class Travel Visa Infinite
The TD First Class Travel Visa Infinite scores 76 of 100 on the figures its certificate publishes, joint 22nd of the 59 Canadian cards compared. Emergency medical is capped at $2,000,000 for trips up to 21 days. At 65 the longest covered trip falls from 21 days to 4.
| Emergency medical | $2,000,000 · age 0–64: 21 days; age 65+: 4 days · 90-day stability window |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $500 per person · after 4 hours |
| Baggage delay | $1,000 per person · after 6 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
A booking made with points still qualifies. You have 45 days from the incident to report a claim. Dependent children are covered to age 22.
Every figure from the certificate, with its own wording
| Emergency medical | limit: $2,000,000 (per Insured Person per Covered Trip, less amounts payable under a GHIP or any other health plan) age 0–64: 21 days; age 65+: 4 days pre existing stability days: 90 days (180 days for Insured Persons 65 years of age or older; measured immediately before the beginning of the Coverage Period) |
|---|---|
| Trip cancellation | per person: $1,500 (per Insured Person per Covered Trip) per account: $5,000 (total per Covered Trip for all Insured Persons on the same Covered Trip) covered reasons: death of an Insured Person or Travelling Companion, sudden and unexpected sickness or accidental injury of an Insured Person or Travelling Companion, death of an Immediate Family Member of the Insured Person (medical covered causes only; enumeration truncated at 40 words. Non-medical covered causes include jury duty or subpoena, a Canadian government travel advisory, employment transfer, common carrier delay, natural disaster, quarantine, hijacking and reservist call to service) |
| Trip interruption | per person: $5,000 (per Insured Person per Covered Trip) per account: $25,000 (total per Covered Trip for all Insured Persons on the same Covered Trip) |
| Flight or trip delay | per person: $500 (covers meals, accommodation and reasonable additional ground transportation; excess over any other insurance or carrier reimbursement) trigger hours: 4 hours (delay measured from the time specified in the itinerary; eligible causes are inclement weather, equipment failure and unforeseen strike or job action) |
| Baggage delay | per person: $1,000 (shared maximum across delayed and lost baggage per Covered Person per trip) trigger hours: 6 hours (purchases must be made before the baggage is returned and no more than 96 hours after arriving at the Final Destination; no coverage on the return home leg) |
| Lost, stolen or damaged baggage | per person: $1,000 (shared maximum across delayed and lost baggage per Covered Person per trip; pays the portion of replacement cost not paid by the common carrier or other insurance) |
| Travel accident | limit: $500,000 (accidental loss of life benefit amount from the schedule of benefits; only the single largest benefit is payable for one accident) common carrier only: No (the same certificate adds rental car accident coverage, with a maximum of $2,000,000 for any one rental car accident) |
| Hotel or motel burglary | $2,500 (per occurrence for all Insured Persons; requires evidence of forceful entry and applies to establishments in Canada or the United States) |
| Emergency travel assistance | offered: Yes (assistance services only, not an insurance benefit; provided by Global Excel Management Inc.) |
| Rental car collision or damage | is primary: Yes (except for losses waived or assumed by the rental agency or its insurer, and where local government insurance legislation states otherwise) limit basis: the actual cash value of the rented vehicle and valid Rental Agency Loss of Use charges vehicle value cap: $65,000 (manufacturer's suggested retail price excluding all taxes, measured at the time and place of loss) max rental days: 48 days (if the rental period exceeds 48 consecutive days no coverage applies from the first day onwards; a full calendar day must separate rental periods) excluded classes: vans, cargo vans or mini cargo vans (other than mini‑vans as described above), trucks, pick‑up trucks or any vehicle that can be spontaneously reconfigured into a pick‑up truck, limousines (enumeration truncated at 40 words; further excluded classes are off-road vehicles, motorcycles, mopeds, motor bikes, trailers, campers, recreational vehicles, vehicles towing trailers, mini-buses, buses, exotic vehicles, hand-built vehicles, antique vehicles and tax-free cars) territory: Coverage is available except where prohibited by law. (closing full stop restored; the source PDF converts it to U+FFFD. The rental vehicle may be driven across provincial and state boundaries in Canada and the U.S.) |
| Purchase protection | days: 90 days (all risk of direct physical loss or damage anywhere in the world, in excess of other applicable insurance) |
| Extended warranty | years added: 1 year (doubles the manufacturer's warranty up to a maximum of one additional year; automatic for warranties of 5 years or less, longer warranties must be registered within the first year) cap: $60,000 (maximum aggregate lifetime benefit per Account Holder across all TD Credit Cards; shared with purchase security) |
| Mobile device | limit: $1,000 (reimbursement is the lesser of repair or replacement cost, not exceeding the depreciated value at date of loss, less the deductible; depreciation is 2% for each completed month from purchase) deductible: $25 (lowest band of a four-step table keyed to Total Cost less taxes: $25 from $0 to $200, $50 from $200.01 to $400, $75 from $400.01 to $600, $100 at $600.01 or more. Decimal points restored; the source PDF converts them to U+FFFD) requires full charge: No (at least 75% of the Total Cost charged to the Account, or the device funded through a Plan with all monthly wireless bill payments charged to the Account) eligible events: lost, stolen or suffers mechanical breakdown or Accidental Damage (one claim in any 12-consecutive-month period and two claims in any 48-consecutive-month period across all accounts) |
Figures above are from the TD First Class Travel Visa Infinite Benefit Coverages Guide, underwritten by TD Life Insurance Company; TD Home and Auto Insurance Company. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
Income requirement
The Visa Infinite requires a personal income of $60,000 or a household income of $100,000. If you do not meet the income threshold, the TD Platinum Travel Visa at $89 has no income requirement and earns at lower rates across all categories.
Good fit if
- You book travel through Expedia For TD and will use the $100 annual travel credit. One qualifying trip brings the effective fee to $39.
- You spend heavily on groceries and dining. The 6x rate is the strongest grocery-and-dining earn in the TD Rewards lineup.
- You value lounge access and full travel insurance. Both are strong for the net fee once the travel credit is counted.
If that describes you, apply for the TD First Class Travel Visa Infinite. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You book directly with airlines or hotels. The highest earn rates depend on the Expedia For TD portal.
- You'd rather earn a transferable currency. The TD Aeroplan Visa Infinite earns Aeroplan at the same $139 fee, with a free checked bag.
- You won't make a qualifying Expedia For TD booking each year. Without the $100 credit, the effective fee stays at $139.