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.

Key benefits

$100 annual travel credit
TD applies a $100 statement credit when you make your first eligible travel purchase of $500 or more through Expedia For TD each year. Effectively reduces the net annual fee to $39 for anyone who books one qualifying trip.
4 lounge visits per year
4 complimentary visits annually through the Visa Airport Companion program at 1,200+ lounges globally. Additional visits are available at $32 USD each.
Birthday bonus
Each year, TD awards a bonus equal to 10% of the TD Rewards points earned in the prior 12 months, up to 10,000 bonus points. The bonus is credited automatically around the primary cardholder’s birthday.
Comprehensive travel insurance
Emergency medical up to $2 million (21 days), trip cancellation up to $1,500 per person, trip interruption up to $5,000 per person, baggage delay and loss, and rental car collision coverage.
Flexible redemption
Points redeem on Expedia For TD with no blackout dates or seat restrictions, plus Amazon.ca, Starbucks, and other retail and gift card partners. Points do not expire while the account remains open.
Visa Infinite benefits
24/7 Visa Infinite Concierge, hotel collection benefits, dining series, and Wine Country program access included with the network tier.

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

Coverage types and limits:

  • Emergency medical: up to $2,000,000 (21 days; 4 days if age 65+)
  • Trip cancellation: up to $1,500 per person
  • Trip interruption: up to $5,000 per person
  • Baggage delay and loss: up to $1,000
  • Rental car collision / damage
  • Common carrier accident: up to $500,000
  • Mobile device: up to $1,000

Coverage limits and eligibility conditions apply. The 4-day medical limit for travellers 65 and older requires supplemental insurance for longer trips. Always review the certificate of insurance before travel.

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.

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.
Compare: Platinum Travel Visa → Compare: no-fee Rewards Visa → Compare: TD Aeroplan Visa Infinite →