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 |
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
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.
Who it suits
The First Class Travel Visa Infinite is well suited to cardholders who book travel through Expedia For TD and spend heavily on groceries and dining. The $100 annual travel credit brings the effective fee to $39 for anyone who books one qualifying trip, at which point the lounge access and insurance package become very strong for the net fee paid.
The main constraint is the Expedia For TD dependency. The highest earn rates are tied to TD’s booking portal; cardholders who prefer to book directly with airlines or hotels, or who prioritize earning transferable points like Aeroplan for specific premium redemptions, may find the TD Aeroplan Visa Infinite a better fit at the same $139 fee.