TD First Class Travel Visa Infinite Card Review for 2022

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by Enoch Omololu

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Advertiser Disclosure

The TD First Class Travel Visa Infinite Card is one of the best travel credit cards in Canada. It may not be the first choice for everyone, but TD has a strong partnership with Expedia for many travel benefits.

This travel credit card is a great choice for flexible travelers who are not tied to one airline, travel often, and want a variety of ways to redeem points.

This TD First Class Travel Visa Infinite Card review covers how to earn and redeem points, the benefits, a few downsides, how to apply, and a few alternative travel credit cards.

TD First Class Travel Visa Infinite Card – At a Glance

  • $120 annual fee
  • $50 annual fee for the first additional cardholder, $0 for subsequent cardholders
  • 19.99% interest rate on purchases
  • 22.99% on cash advances
  • $60,000 personal or $100,000 household minimum annual income requirement
  • $5,000 minimum credit limit
  • Earn 3 TD Points for every $1 spent
  • Earn 9 TD Points for every $1 spent on online Expedia bookings
  • TD points do not expire
  • No travel blackout dates or seat restrictions
  • Expansive travel insurance

TD First Class Travel Visa Infinite Card Benefits

Some of the many TD First Class Travel Visa Infinite Card benefits include the following.

Earn and Redeem TD Points

With the TD Rewards Program, you can earn TD Points (which never expire) on everyday and Expedia purchases.

You’ll earn:

  • 3 TD Points for every $1 spent
  • 9 TD Points for every $1 spent when you book travel online through Expedia for TD
  • 50% more TD Points and Stars at Starbucks if you link your TD card with Starbucks Rewards

You can redeem your TD Points on Expedia travel purchases (as discussed below), Amazon.ca, online shopping through TDRewards.com, or use your points to help pay down your credit card balance.

Travel Insurance and Benefits

Travel medical insurance – get up to $1 million in coverage for the first 21 days of your trip.

Trip interruption/cancellation insurance – get up to $1,500 in coverage per person (maximum $5,000) for cancellations and up to $5,000 in coverage per person (maximum $25,000) for interruptions.

Common carrier travel accident insurance – get up to $500,000 in coverage for losses when traveling on a train, plane, bus, etc.

Delayed or lost baggage insurance – get up to $1,000 in coverage per person for the purchase of essentials if your baggage is lost, delayed for 6 hours, or more.

You also get an annual discount on a Priority Pass membership for access to VIP airport lounges.

Automotive Benefits

The TD First Class Travel Visa Infinite Card car rental insurance is another huge benefit.

You’ll get auto rental collision and loss damage coverage for up to 48 days, and you can save a minimum of 10% off the lowest base rates for Avis and Budget Rent A Car rentals.

Security and Other Benefits

With the TD First Class Travel Visa Infinite Card, you automatically get access to Purchase Security and Extended Warranty Protection, which covers eligible items if they are damaged or stolen within 90 days post-purchase.

You may also get double the warranty for up to 12 additional months. 

You can also opt-in for TD Fraud Alerts, which will alert you if suspicious activity is seen on your account. You may also get an emergency cash advance for up to $5,000, depending on your available credit limit.

Downsides of the TD First Class Travel Visa Infinite Card

The TD First Class Travel Visa Infinite Card Canada has a high minimum annual income requirement for you to be eligible to apply for this card.

You must earn at least $60,000 personal or $100,000 household annual income.

This credit card does not give you access to airport lounges; they only offer a discount on a Priority Pass membership which may not be worth it for everyone.

There are also TD First Class Travel Visa Infinite Card foreign transaction fees, which will impact your shopping in a foreign currency.

How To Apply for the TD First Class Travel Visa Infinite Card

To apply, click here.

To be eligible, you’ll need to:

  • Be a permanent Canadian resident
  • Be the age of majority in your province or territory
  • Confirm that you have an annual personal income of at least $60,000 or a household income of at least $100,000
  • Have a valid email address

You can also visit a branch and apply in person or call TD to talk to a banking specialist.

TD Rewards Program and How To Redeem TD Points

With the TD Rewards Program, you earn points on everyday purchases and can redeem them for travel and other benefits.

Expedia for TD – when you book your travel with your TD First Class Travel Visa Infinite Card, you can redeem points towards online Expedia travel purchases through ExpediaForTD.com that will pay for part or all of your trip.

Or, you could book travel with any other provider and redeem TD Points towards that purchase within 90 days after the purchase date.

Amazon.ca – enroll your TD credit card to use Shop with Points to redeem some or all of your points on your purchase.

You can also use your TD Points to help pay your credit card balance through TDRewards.com, EasyWeb, or the TD app, or shop online with TDRewards.com to get brand name merchandise.

Alternatives to the TD First Class Travel Visa Infinite Card

Below are a few alternative travel credit cards in Canada.

TD First Class Travel Visa Infinite Card vs Tangerine World Mastercard

The Tangerine World Mastercard has a $0 annual fee and a 19.95% interest rate.

You can earn 2% Money-Back rewards in two 2% Money-Back Categories of your choice and 0.50% Money-Back Rewards on all other everyday purchases.

You can transfer your balances from other high-interest credit cards to the Tangerine World Mastercard for six months with only a 1.95% balance transfer.

Other benefits include rental collision/loss damage insurance, mobile device insurance, and extended warranty and purchase protection.

You also get a complimentary membership to exclusive airport lounges provided by Loungekey, and access to Boingo wi-fi for Mastercard.

View a full review of the Tangerine World Mastercard here.

Tangerine World Mastercard

Rewards: Earn up to 2% unlimited cash back in up to 3 spending categories and 0.50% on all other purchases; VIP perks.

Welcome offer: Get an extra 10% cash back on up to $1,000 in spending in the first 2 months ($100 value).

Interest rates: 19.95% for purchases, balance transfers, and cash advances.

Annual fee: $0

TD First Class Travel Visa Infinite Card vs AMEX Cobalt Card

The AMEX Cobalt Card is a credit card with a monthly fee of $12.99 and no cost for additional cards.

It has a 20.99% interest rate on purchases and 21.99% on funds advances.

You earn AMEX points through the Membership Rewards program:

  • 5 points for every $1 spent at eligible restaurants, cafes, bars, and food delivery in Canada
  • 3 points for every $1 spent on eligible streaming subscriptions in Canada
  • 2 points for every $1 spent on eligible travel, transit, and gas purchases in Canada
  • 1 point for every $1 spent on everything else

Redeem your points towards card purchases, flights through the Fixed Points Travel Program, Amazon.ca purchases, and gift cards and merchandise on membershiprewards.ca.

Learn more in this review.

American Express Cobalt Card

Rewards: Earn 5x pts per $1 spent on food & drinks; 3x pts on streaming subscriptions; 2x pts on travel; 1x pts everywhere else.

Welcome offer: Get up to 30,000 bonus points in the first year.

Interest rates: 20.99% on purchases and 21.99% on cash advances.

Annual fee: $155.88

TD First Class Travel Visa Infinite Card vs Marriott Bonvoy American Express Card

The Marriott Bonvoy American Express Card has a $120 annual fee and an interest rate of 19.99% on purchases and 21.99% for cash advances.

With this card, you earn and redeem points with the Marriott Bonvoy program. You’ll earn:

  • 5x the points on eligible purchases at hotels with Marriott Bonvoy
  • 2x the points on everything else

Some honorable benefits include getting one free night a year at a Marriott Bonvoy hotel, free Marriott Bonvoy Silver Elite status, and 15 Elite Night credits each year. 

This travel credit card offers travel benefits, such as flight delay, baggage delay, hotel burglary, and travel accident insurance, as well as access to American Express experiences and events.

Is the TD First Class Travel Visa Infinite Card Worth It?

The TD First Class Travel Visa Infinite Card is one of the best credit cards for travel rewards. It may be worth it if you travel often, are not tied to one particular airline, and want flexible options for redeeming points.

There are many ways to earn and redeem points, especially through Expedia. You can redeem your points on multiple airlines, hotels, and rental car bookings, and you get a plethora of travel insurance benefits including up to $1 million in medical insurance for the first 21 days of your trip.

However, you need to ensure you meet the minimum annual income requirement before you apply.

If you are not eligible or are looking for a different travel credit card, consider the two cards above or others like the American Express Aeroplan Reserve Card and Marriott Bonvoy American Express Card.

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Author

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Enoch Omololu

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch has a passion for helping others win with their personal finances and has been writing about money matters for over a decade. He has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, Financial Post, Toronto Star, CTV News, Canadian Securities Exchange, Credit Canada, National Post, CIBC, and many other personal finance publications.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

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