td travel first class visa

• Customer Service

TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

Compare TD cards >

Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

• How to Choose the Right Credit Card
• How to Apply for a Credit Card
• How to Cancel a Credit Card
• Ways To Pay Off Credit Card Debt
• Why Your Credit Card Was Declined
• How to Get Out of Credit Card Debt
• What to Know About Credit Card Minimum Payments
• What Is a Credit Card and Should You Get One?
• How Do Credit Cards Work in Canada?
• What Are the Different Types of Credit Cards?
• How an International Credit Card Works
• Common Credit Card Terms and Conditions
• Credit Card Fees and Charges
• Credit Card Interest Calculator
• First-Time Home Buyer Incentive
• Tax-Free First Home Savings Account
• Home Equity Loan
• How a Reverse Mortgage Works
• Home Equity Line of Credit
• Mortgage Renewal
• Getting a Second Mortgage
• How to Refinance a Mortgage
• How Does Mortgage Interest Work?
• Realtors vs Real Estate Agents vs Brokers
• Is Canada’s Housing Market Crashing?
• Types of Houses in Canada
• First-Time Home Buyer Grants and Assistance Programs
• Types of Mortgages in Canada: Which Is Right for You?
• How Does a Mortgage Work in Canada?

• What Is an Interest Rate?
• Guaranteed Investment Certificate (GIC)
• Savings Account Guide
• Common Canadian Bank Fees and Charges
• Types of Bank Accounts in Canada
• EQ Bank Review
• Simplii Financial Review
• Tangerine Bank Review
• National Bank of Canada Review
• CIBC Review
• Scotiabank Review
• TD Bank Review
• What Is Canadian Investor Protection Fund (CIPF) Coverage?
• How Capital Gains Tax Works
• Investing for Canadian Beginners
• Understanding Asset Classes in Investing
• Understanding Fixed-Income Investments
• How to Invest in Stocks
• What Are T-Bills
• What is a Bond
• What is Registered Disability Savings Plan (RDSP)
• What Are Mutual Funds
• What is an ETF (Exchange Traded Fund)
• What Is Forex Trading
• What Is Cryptocurrency and How Does It Work
• What Is a Stock
• What is Old Age Security and How Does It Work
• What is Registered Retirement Income Funds (RRIFs)
• How a Life Income Fund (LIF) Works for Retirement
• What Is An In-Trust Account
• What Is a Locked-in Retirement Account (LIRA)
• How Much Money You’ll Need To Retire
• Defined Benefit vs. Defined Contribution Pension Plans
• Can Annuities Fund Your Retirement?
• What Is a Personal Loan?
• Personal Loan Insurance: Do You Need It?
• What Is a Secured Personal Loan?
• What Is a Payday Loan?
• What Is a Pawn Loan?
• What Is a Car Title Loan?
• Small Business Loan vs Personal Loan
• Personal Loan vs. Line of Credit
• Personal Line of Credit vs Home Equity Loan:
• Personal Line of Credit vs Car Loan
• HELOC vs Personal Loan
• Debt Consolidation vs Personal Loan
• Cash Advance vs Personal Loan
• Business Loan vs Personal Loan
• Price Matching Tips to Help You Save Big
• How to save for Wedding
• How to Save Money on Groceries
• Ways to Save on Your Next Family Vacation
• Tips to Help You Save On Gas
• How to Save Money in 8 Easy Steps
• Passive Income: What It Is and How to Make It
• Budgeting 101: How to Budget Your Money
• Ways to Make Money Online and Offline in Canada
• How Do Credit Inquiries Work?
• What is the Ideal Credit Utilization Ratio?
• What Credit Score is Needed for a Credit Card?
• How to Get a Better Credit Score
• What is a Good Credit Score in Canada?
• Credit Cards

TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

13 Best Aeroplan Credit Cards in Canada for 2024

The best Aeroplan credit cards in Canada earn points for Air Canada’s loyalty program on every purchase. Aeroplan points have an average value of 2.23 cents per point.

Aeroplan vs. Air Miles: Differences and Alternatives

Aeroplan is usually an ideal choice for those who want to use points for Air Canada flights, while Air Miles is a better choice for those who want flexible point redemption options.

18 Best Travel Credit Cards in Canada for April 2024

Explore the best travel credit cards in Canada for daily spending, flexible travel rewards, big welcome bonuses and more.

Best TD Bank Credit Cards in Canada

The best TD Bank credit cards in Canada include several Visa Infinite options as well as co-branded travel credit cards that earn Aeroplan points.

This browser is not supported. Please use another browser to view this site.

• Credit cards
• ETF finder tool
• Best crypto
• Couch potato
• Fixed rates
• Variable rates
• Mortgage payment calculator
• Income property
• Renovations + maintenance
• Compound interest calculator
• Household finances
• Find a Qualified Advisor Tool
• Monthly budget template
• ETF Finder Tool
• Student money
• First-time home buyers
• A Guide For New Immigrants
• Best dividend stocks
• Best online brokers
• Where to buy real estate
• Best robo-advisors
• Making sense of the markets
• Ask a Planner
• A Rich Life
• Interviews + profiles
• Retired Money

Advertisement

By Winston Sih  and  Courtney Reilly-Larke on March 31, 2022 Estimated reading time: 6 minutes

TD First Class Travel Visa Infinite Card review

This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.

With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite Card may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com. 

Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite Card becomes a solid choice for avid travellers.

TD First Class Travel Visa Infinite Card

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

The TD First Class Travel Visa Infinite Card

• Three things you need to know about the TD First Class Travel Visa Infinite Card
• How to redeem your TD Rewards
• What are the best ways to benefit from this card?

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

4 things to know about the td first class travel visa infinite card, 1. the you earn points under the td rewards program.

T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class Travel Visa Infinite Card might be more up your alley.

2. Your points go farther when you book with ExpediaForTD.com

If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1. 

3. The card comes with a generous welcome bonus

You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024..  Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD. 

4. You’ll get great travel insurance

The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).

How to redeem your TD Points:

You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).

Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending. 

In both cases, the TD First Class Travel Visa Infinite Card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel. 

Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.

How to optimize the TD First Class Travel Visa Infinite Card

Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal. 

If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.

Does the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category. 

Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite Card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).

Finally, the TD First Class Travel Visa Infinite Card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks. 

Bottom line

TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite Card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.

More on  credit cards :

• Canada’s best travel cards 2022
• Canada’s best credit cards for gas
• Canada’s best credit cards for grocery purchases 2022
• Best cash back credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy .

Share this article Share on Facebook Share on Twitter Share on Linkedin Share on Reddit Share on Email

Comments Cancel reply

Your email address will not be published. Required fields are marked *

One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?

I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.

So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.

I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.

This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.

I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022

This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.

We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.

I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,

I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

Related Articles

The best gas credit cards in Canada for 2024

Whether you’re looking for points or cash back, these cards will help you earn benefits from your fuel expenses.

Credit Cards

The best travel credit cards in Canada for 2024

These impressive travel cards can help turn your everyday spending into flights, hotels and more.

The best credit cards in Canada for 2024

Find the credit cards in Canada that offer the most rewards and the lowest fees, based on the latest...

The best rewards credit cards in Canada for 2024

From redeemable points to cold hard cash, these credit cards offer big rewards on your everyday spending.

The best credit cards for airport lounge access in Canada for 2024

If you want to make your travels a little more comfortable, airport lounge access is key. Here are the...

The best no foreign transaction fee credit cards in Canada for 2024

Cards that waive or refund the fee for foreign currency charges are few and far between—but if you’re a...

The best student credit cards in Canada for 2024

As a student, it’s good to build a credit history while earning rewards for groceries, flights, movies and more....

The best Mastercard credit cards for 2024

If you’re looking for near-universal acceptance, look no further than a Mastercard. We’ve rounded up the ones with the...

The best Visa credit cards in Canada for 2024

As the world's largest credit card company, Visa offers a wide array of credit cards and benefits, making it...

The best no-fee credit cards in Canada for 2024

These cards have no annual fee and still boast perks like cash back, travel insurance and more.

• Book Travel
• Credit Cards

7 Reasons to Apply for the TD First Class Travel® Visa Infinite* Card

If you’d like to earn TD Rewards Points to put towards flights, hotels, short-term rentals, vacations, and more, be sure to check out the current offer on the  TD First Class Travel® Visa Infinite* Card .

Until March 4, 2024, there’s a record-high welcome bonus of up to 135,000 TD Rewards Points† up for grabs, and beyond that, there are many reasons to keep the card in your wallet year after year.

Let’s look at 7 reasons why the TD First Class Travel® Visa Infinite* Card should be part of your overall credit card travel strategy.

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  80 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $139, rebated for the first year †
• Application must be approved by June 3, 2024 to receive this offer

In This Post

1. record-high welcome bonus, 2. first-year annual fee rebate, 3. elevated category earning rates, 4. 10% annual birthday bonus, 5. flexible redemptions with td rewards points, 6. annual travel credit, 7. strong insurance coverage.

The current welcome bonus on the TD First Class Travel® Visa Infinite* Card matches the highest we’ve ever seen.

If you apply and are approved for the card by March 4, 2024,† you can earn up to 135,000 TD Rewards Points in the first year.†

To unlock the full welcome bonus, you’ll need to meet the following conditions:

• Earn 20,000 TD Rewards Points  upon first purchase †
• Earn 115,000 TD Rewards Points  upon spending $5,000 in the first six months †

In other words, you’ll need to spend an average of $833 on eligible purchases in each of the first six months as a cardholder to earn the full welcome bonus.

Plus, you’ll benefit from earning more points along the way, thanks to the card’s category earning rates, which we’ll discuss below.

When it comes time to redeem, you can redeem 135,000 TD Rewards Points for up to $675 worth of travel booked through Expedia® for TD, or for up to $540 for travel booked directly with vendors with the Book Any Way feature.† 

The structure of the current offer is such that you have a sizeable welcome bonus paired with a reasonable minimum spending requirement , and a full six months to complete it.

With a record-high welcome bonus up for grabs, there’s no better time to apply for the TD First Class Travel® Visa Infinite* Card ; however, there are many other compelling reasons to have this card, which we’ll discuss below.

The TD First Class Travel® Visa Infinite* Card normally comes with an annual fee of $139.†

In tandem with the historically high welcome bonus, the current offer includes a first-year annual fee rebate, which applies to both the primary cardholder and the first supplementary cardholder.†

While the TD First Class Travel® Visa Infinite* Card would certainly be worthwhile even with a $139 annual fee, the first-year annual fee rebate really makes this offer even more compelling.

Plus, if you have a TD Unlimited or All-Inclusive banking account, you can have the annual fee waived on one TD credit card of your choice, including the TD First Class Travel® Visa Infinite* Card , on an ongoing basis.

The TD First Class Travel® Visa Infinite* Card also has a four-tier earning structure, which allows you to earn more points on many eligible everyday purchases.

These category multipliers are useful as you work to meet the minimum spending requirement, as well as when you continue to pad your TD Rewards Points balance over the long-term.

Currently, the earning rates on the TD First Class Travel® Visa Infinite* Card are as follows:

• Earn 8 TD Rewards Points per dollar spent on eligible travel booked through Expedia® for TD†
• Earn 6 TD Rewards Points per dollar spent on eligible groceries and restaurants†
• Earn 4 TD Rewards Points per dollar spent on eligible recurring bills†
• Earn 2 TD Rewards Points per dollar spent on all other eligible purchases†

It’s worth noting that there’s an annual spending cap for the elevated earning rates in the groceries, restaurants, and recurring bill payment categories.

After you’ve spent $25,000 within the year, the earning rates in these categories will be lowered to 2 TD Rewards Points per dollar spent.†

If you redeem TD Rewards Points for a value of 0.5 cents per point by booking travel through Expedia® for TD, these rates are equivalent to a 4%, 3%, 2%, or 1% return, respectively.

These are solid earning rates, which will help you quickly earn points to offset the cost of travel throughout the year.

Plus, on your cardholder anniversary date, you’ll get a further boost to your balance with one of the card’s other hallmark features.

In addition to the strong earning rates on day-to-day spending, you’ll also receive a 10% Birthday Bonus in the form of TD Rewards Points .†

Each year on your cardholder anniversary date, you’ll earn an additional 10% bonus on all the TD Rewards Points you’ve earned over the past 12 months, up to a maximum of 10,000 points.†

To maximize this benefit, which is worth up to $50 if you redeem the points for travel booked through Expedia® for TD, you’d need to earn a total of 100,000 TD Rewards Points organically throughout the year.

To put this into perspective, you’d need to spend around $1,380 per month on eligible groceries and dining purchases†, or any other combination to bring you across the threshold of 100,000 points.

When it comes time to redeem your points, you’ll be happy to know that TD Rewards Points are fairly flexible.

While you can’t transfer your points to any external airline or hotel loyalty programs, the best (and most valuable) way to redeem TD Rewards Points is for travel, either booked through Expedia® for TD or directly with any vendor.

In fact, TD Rewards Points are particularly useful to have on hand when it comes to filling the gaps for travel that can’t be booked through other loyalty programs.

The most valuable way to redeem TD Rewards Points is through Expedia® for TD, which will give you a value of 0.5 cents per point.

On the platform, you can book flights, hotels, car rentals, cruises, tours, and even Disney tickets, among other things, and get the maximum possible value from your points.

Since many of these expenses are typically difficult to book with other points currencies, using TD Rewards Points to book travel at a fixed value of 0.5 cents per point is an excellent redemption opportunity, and could end up saving you a significant amount of cash on your next trip.

On the other hand, if you want to book travel directly with vendors, you can still redeem TD Rewards points for those purchases by exchanging the points for a statement credit at a fixed rate of 0.4 cents per point against eligible travel purchases charged to the card.†

For example, with the Book Any Way feature, you can book directly with an independent hotel and then apply your TD Rewards Points as a statement credit to offset the cost.

Plus, if you redeem your TD Rewards Points against larger Book Any Way travel expenses, you’ll gain access to an improved redemption rate of 0.5 cents per point for any amount over $1,200.†

To redeem TD Rewards Points against travel purchases booked directly with vendors, you’ll have to login to the TD Rewards website and redeem points within 90 days of the original travel purchase.†

One of the other features on the TD First Class Travel® Visa Infinite* Card that makes it worthwhile to keep for the long-term is the $100 annual travel credit. †

The $100 annual travel credit helps to offset the card’s $139 annual fee, bringing it down to an effective $39 annual fee year-after-year. However, with an eligible bank account , you’ll enjoy an annual fee rebate anyway, which makes the $100 annual travel credit even more attractive.

Beginning in the second year of card membership, you’ll earn a $100 travel credit each year on your cardholder anniversary date, which can then be used towards accommodations and vacation packages booked through Expedia® for TD.

Importantly, the credit applies to eligible purchases of $500 or more. Therefore, you can also think of it as up to a 20% discount on accommodations or vacation packages on one of your next trips.

Keep in mind that by paying for the remainder of your expense with your TD First Class Travel® Visa Infinite* Card, you’ll earn 8 TD Rewards Points per dollar spent†, too.

Lastly, the TD First Class Travel® Visa Infinite* Card comes with competitive insurance coverage. This is a key feature for a strong travel credit card, and one that you’ll certainly want to be aware of as a cardholder.

The comprehensive insurance coverage offered by the card can best be divided between travel insurance and retail insurance.

In terms of travel insurance, the card provides the following:

• Emergency medical insurance: Up to $2 million for trips up to 21 days for those aged 64 and under, and up to four days for those aged 65 and older†
• Trip cancellation: Up to $1,500 per person (maximum of $5,000 per trip)†
• Trip interruption: Up to $5,000 per person (maximum of $25,000 per trip)†
• Common carrier travel accident insurance: Up to $500,000 of coverage for losses while travelling on a common carrier (bus, ferry, plane, train, or car rental)†
• Flight delay: Up to $500 per person for delays of four hours or longer†
• Baggage delay: Up to $1,000 per person for delays of six hours or longer†
• Car rental: Up to 48 days of insurance on a vehicle with an MSRP of up to $65,000†
• Hotel/motel burglary insurance: Up to $2,500 of coverage per occurrence of stolen personal items that belong to the cardholder or eligible family members travelling with the cardholder†

With the exception of emergency medical insurance, you’ll need to charge the full cost of your trip to be eligible for the other benefits.†

Not only can the included travel insurance coverage on the card save you money, but you’ll be assured that you won’t incur any additional expenses in the event of disruptions to your travel plans.

When it comes to retail insurance benefits, cardholders can benefit from the following:

• Mobile device insurance: Up to $1,000 in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.†
• Purchase security: You’ll be protected if an item is stolen or damaged within 90 days of purchase.†
• Extended warranty protection: If you purchase an item that comes with a manufacturer’s warranty, you’ll receive double the warranty up to a maximum of 12 additional months.†

Of these, mobile device insurance and extended warranty protection can be particularly useful if something happens to an eligible product purchased on the card.

As always, it’s important to read the insurance booklet to fully understand what’s covered and eligibility criteria for your unique situation.

The TD First Class Travel® Visa Infinite* Card is an impressive card that comes with strong travel benefits and competitive earning rates.

If you’re in the market for a new credit card, you should certainly consider the TD First Class Travel® Visa Infinite* Card , especially with its record-high welcome bonus and first-year annual fee rebate.

Be sure to apply and be approved for the card by March 4, 2024, to take advantage of this best-ever offer.

† Terms and conditions apply. Refer to the card issuer’s website for complete, up-to-date information.

Prince of Travel is Canada’s leading resource for using frequent flyer miles, credit card points, and loyalty programs to travel the world at a fraction of the price.

Join our Sunday newsletter below to get weekly updates delivered straight to your inbox.

Have a question? Just ask.

Business Platinum Card from American Express

120,000 MR points

American Express Aeroplan Reserve Card

85,000 Aeroplan points

American Express Platinum Card

100,000 MR points

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

Latest News

The Travel Summit 2024: New Grand Prize, Key Event Updates, and More!

About Prince of Travel Apr 3, 2024

Alaska Airlines Mileage Plan: Global Getaways for Spring 2024

Deals Apr 3, 2024

What Is the UK Air Passenger Duty (APD)?

Guides Apr 3, 2024

Recent Discussion

Brim world mastercard, tangerine mastercards: 10% cash back up to $100, rbc finalizes acquisition of hsbc bank canada, head-to-head: air canada aeroplan vs. air france klm flying blue, getting us credit cards for canadians, prince of travel elites.

Points Consulting

• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 80,000 additional points when you spend $5,000 in the first 180 days
• Annual $100 travel credit (accommodations & vacation packages)
• Birthday bonus of up to 10,000 points
• Earn 8 points per $1 spent when you book on Expedia for TD
• Earn 6 points per $1 spent on groceries and dining
• Earn 4 points per $1 spent on recurring bills
• Earn 3 per $1 spent on all other purchases

Welcome bonus and earn rate

The TD First Class Visa Infinite Card is one of TD’s most popular cards. The welcome bonus is typically quite generous and hovers between 80,000 – 145,000 TD Rewards points. The welcome bonus is comparable to cards on my list of the best travel credit cards in Canada .

As for the earn rate, you’ll get 8 points per dollar spent on Expedia for TD purchases. 6 points per dollar spent on groceries and dining. 4 points per dollar spend on recurring bills and 3 points on all other purchases.

To give you some perspective, when using TD Rewards points on Expedia for TD purchases, 1 point is worth $0.50. That means the base earn rate gets you 1.5% back in travel rewards, which is quite good.

Although the card has an annual fee of $139, it’s usually waived for the first year. You can also get the annual fee waived every year if you have a TD All-inclusive bank account. 

Benefits and perks

If you’re reading my TD First Class Travel Visa Infinite Card review, then you’ll want to know about all the benefits. What’s interesting is that this card recently had an update and now comes with some pretty fun perks.

$100 annual travel credit

When you book accommodations or vacation packages on Expedia for TD worth at least $500, you’ll get a $100 credit back on your credit card. This is a pretty unique benefit that puts money back in your pocket, but it does not apply to all travel categories. In addition, this benefit only applies to individual bookings and is not cumulative.

10% birthday bonus

One unique perk is the birthday bonus worth up to 10,000 TD Rewards points. To earn this bonus, TD will give you 10% of the points you’ve earned in the year leading up to your birthday. Welcome bonuses don’t count. For example, if you earned 93,000 TD Rewards points in the year leading up to your birthday, you’d earn 9,300 extra TD Rewards points on your birthday.

Save on rental cars

Cardholders get at least 10% off the base rate when renting vehicles in Canada and the U.S at Avis or Budget and paying with your TD Aeroplan Visa Infinite Card. If you’re travelling internationally, you’ll save at least 5% at participating locations.

Travel insurance

• Travel medical – $2,000,000 for 21 days / 4 days if you’re 65 or older
• Trip cancellation – up to $1,500 per person / $5,000 total
• Trip interruption – up to $5,000 per person / $25,000 total
• Flight/trip delay insurance – $500 per person – 4 hours
• Delayed and lost baggage – up to $1,000 / 6 hours
• Auto rental collision/loss damage – 48 consecutive days / $65,000
• Hotel/motel burglary insurance – $2,500
• Common carrier travel accident – $500,000

The travel insurance included is competitive and comparable to my list of the best credit cards with travel insurance , but it does lack two major types of travel insurance.

The 21 days of travel medical insurance is pretty good, but like many other credit cards, it only gives 4 days if you’re 65 or older. You’ll obviously need more coverage if you fall into that age range.

Note that was this card, you only need to charge 75% of your trip costs for your flight/trip delay and hotel/motel burglary insurance to apply. However, for trip cancellation and auto rental collision, you need to charge 100% of the cost to your card.

Mobile device insurance

Many people aren’t aware that the TD First Class Travel Visa Infinite Card comes with mobile device insurance. When you charge at least 75% of the total device or monthly plan cost to your card, you’ll be insured for up to $1,000. That said, like other mobile device insurance plans, depreciation applies when making a claim. Both cellular phones and tablets count as mobile devices.

Purchase insurance

• Purchase security – 90 days
• Extended warranty – Up to 1 additional year

The purchase security insurance covers your good from theft, loss, and damage for 90 days. With extended warranty, you your warranty doubled up to one additional year.

Visa Infinite benefits

• Concierge service –  The Visa Infinite Concierge is available 24/7 and can help you secure concert tickets, make dinner reservations and more.
• Luxury Hotel Collection – You’ll get exclusive benefits such as resort credits and room upgrades when booking accommodations through the Visa Luxury Hotel Collection.
• Dining Series –  Get access to some culinary events, such as celebrity chef meetups and tasting menus.
• Wine Country program –  Your Visa Infinite Card gets you discounts and free wine tastings at participating wineries in British Columbia, Ontario and Sonoma Valley.
• Entertainment access –  Throughout the year, cardholders get invites and exclusive access to the Toronto International Film Festival.
• Troon Golf –  Troon Rewards Silver Status is given to cardholders. With your status, you’ll get 10% off green fees, merchandise and lessons.

How to redeem your points

TD Rewards allows you to book travel in multiple ways, giving you more options. Given the flexibility, many people love TD Rewards. However, your points will have a different value depending on how you redeem them.

Expedia for TD

Expedia for TD is TD’s main travel redemption option. 200 TD Rewards points get you $1 off Expedia for TD travel bookings. This essentially makes one TD Reward point worth .5 cents. Expedia for TD is nearly identical to Expedia.ca. That means you’ll get access to a large inventory of flights, hotels, car rentals, all-inclusive packages and attraction tickets.

To redeem TD Rewards points on Expedia for TD, you have to log in to TD Rewards and click on the Expedia for TD link. When you’re ready to pay, you’ll be given the option to use your TD Rewards points. Generally, Expedia has very competitive prices.

Booking on your own

TD Rewards points can also be used to offset travel expenses you charge directly to your TD First Class Travel Visa. The redemption rate is 250 points = $1 (or a value of .4 cents per point). That means you get 20% less value than using your points on Expedia for TD. That said, when you make a travel purchase on your own that’s more than $1,200 in value, any amount that’s $1,201 or above would have a redemption value of 200 points for $1.

Even though you get less value by booking on your own, there are a few reasons to consider this option. The first reason is that you are not restricted to what is available on Expedia for TD, so you can use points for bookings on Airbnb or booking.com. The second reason why booking on your own travel is handy is that most hotel chains will require that you book directly with them to enable loyalty membership status and perks.

TD First Class Travel Visa Infinite Card eligibility

• You’re a Canadian citizen, or you’re a permanent resident
• You’re at least the age of majority in the province or territory where you reside
• You have a minimum annual personal gross income of $60,000 or a household income of $100,000

As a Visa Infinite card, there are very specific eligibility requirements. Even though there’s no formal credit score requirement listed, you’ll likely need your credit score to be at least 700 to be approved. That’s because a credit score of at least that number would put you in good standing or higher.

How the TD First Class Visa Infinite compares

As a mid-tier travel rewards credit card, the TD First Class Travel Visa Infinite Card has a lot of competition. Not only does it compete with other bank credit cards, but there are also airline credit cards worth looking at too.

TD First Class Visa Infinite Card vs. Scotiabank Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite Card is a very popular travel credit card since it gives you get six free annual airport lounge passes and has no foreign transaction fees. The earning rate of this card is similar to what TD offers. The overall insurance package offered by TD is slightly better.

TD First Class Visa Infinite Card vs. American Express Gold Rewards Card

Another great mid-tier travel card is the American Express Gold Rewards Card . Although the card has an annual fee of $250, you get an annual $100 travel credit and a Priority Pass Membership with four free annual Plaza Premium airport lounge passes. What makes this card stand out is the fact that you earn American Express Membership Rewards points. These points can be transferred to Aeroplan at a 1:1 ratio.

TD First Class Visa Infinite Card vs. TD Aeroplan Visa Infinite Card

If your goal is to travel for less, then the TD Aeroplan Visa Infinite Card should also be considered. With this card, you’ll earn Aeroplan points on all eligible purchases. This is relevant because Aeroplan is Air Canada’s loyalty program and one point can easily be worth between 1.5 – 2 cents each. In addition, by having this card, you get your first checked bag free and preferred pricing on Aeroplan redemptions.

Final thoughts

My TD First Class Travel Visa Infinite Card review is positive. It’s an ideal card for people in the following situations:

• You want to save on travel – TD Rewards points are highly flexible and best used via Expedia for TD.
• You bank with TD – If you have an All-Inclusive Banking Plan, the annual fee is waived for this card.
• You want insurance – The included travel and purchase insurance with this card is excellent.

Although Expedia for TD may not be the best rewards program out there, it’s easy to understand and there are no blackout dates. Plus, the overall insurance package you get with this card is excellent. That said, the earn rate for this card is not as good as other cards out there.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

Hi Barry! Thanks for another great post. I currently use the AMEX cobalt as my everyday card and wanted to get a supplementary card to use when AMEX is not accepted. I currently have an All-Inclusive banking plan with TD, which would waive the annual fee for the TD First Class Travel Visa Infinite Card & the TD Aeroplan Visa Infinite Card. Which one would you recommend between the two?

Hey Sylvia.

It sort of depends on your goals. If you got the TD Aeroplan VI card, you could pool the points with your Cobalt since those points can be converted to Aeroplan. The TDFCTVI is good if need to make non-Aeroplan bookings such as car rentals or hotel bookings.

You state the following: “Note that was this card, you only need to charge 75% of your trip costs for your travel insurance to be valid.” However, my review of the wording indicates that under Trip Cancellation, you must charge the full cost of your trip to the card to get coverage. This is under the definition of Covered Trip.

You’re right. the 75% only applies to hotel/motel burglary and trip delay.

Calculating rewards with the new and improved TD First Class Travel makes it a good competitor to the Aeroplan card. I feel like it’s hard to get a good value with Aeroplan (2 cpp). More than often international travel gives around 1.4 cpp making the First Class card more valuable (if booking something via Expedia to get the $100 credit that is. Am I missing something? Would the Aventura or RBC Avion otherwise be better?

Hey Philippe,

I haven’t had too much trouble finding Aeroplan value between 1.8 – 2 CPP. Then again, I booked most of my travel before there was crazy demand.

Aventura and Avion both have a fixed travel program where you can get a higher CPP, but I personally find Aeroplan to be more valuable. I typically try to collect American Express Membership Rewards points and then transfer them to whatever program gives me good value when I need to make a redemption.

Leave a Comment Cancel Reply

Get a FREE copy of Travel Hacking for Lazy People

Subscribe now to get your FREE eBook and learn how to travel in luxury for less

TD First Class Travel Visa Infinite Card Review

By Stefani Balinsky | Published on 20 Jul 2023

Is it me or is TD throwing benefits at you with this card? The TD First Class Travel ® Visa Infinite * credit card has an aggressive offer of up to 135,000 points and an easy earn rate that includes Starbucks. Yes, I invoked the name of that coffee chain and I meant it. Want to know something else? TD First Class Travel ® Visa Infinite * earns TD points that you can redeem on Amazon.ca. So, is this credit card a hot-cup-of-goodness or just lukewarm at best? Let’s find out.

Welcome Offer

• Up to 135,000 bonus TD Rewards Points
• Annual fee rebated for the first year

The TD First Class Travel ® Visa Infinite * Welcome Offer is really good. You can earn up to $1,100 worth of welcome offers in the first year, including 135,000 bonus points, the annual fee rebated and travel benefits. Here’s how:

TD gives you 20,000 points when you make your first purchase on the card in the first 3 months of opening the account. Next, you can earn another 115,000 points if you spend $5,000 on the card within the first 180 days of opening the account. Then, you could earn a birthday bonus of up to 10,000 TD Rewards Points. You also get an annual TD Travel Credit of $100 when you book at Expedia for TD. Finally, you get a free 12 month† Uber One membership worth $120. As always, terms and conditions apply. To get the annual fee rebated for the first year, you must make a purchase on the card within the first 3 months of opening the account.

The annual fee is usually $139 for the primary cardholder, $50 for the first additional cardholder and $0 for subsequent cardholders. You have to have a minimum personal annual income of $60,000 or an annual household income of at least $100,000 to qualify.

TD First Class Travel ® Visa Infinite * interest rates

Actually, these rates are pretty standard. You need to remember that this is a travel perks card and not a low-interest credit card. Nearly all credit card interest rates are in the 19.99% to 23.99% range. Plus, most cards have different interest rates for cash advances. If you live in Quebec, you may be subject to different rates. Of course, the best choice is to pay off your credit card balance each month and to pay back any cash advance even faster.  

The TD First Class Travel ® Visa Infinite* points calculator

Inflation is not your friend, but it can help you make better spending decisions. In that same vein, the TD First Class Travel ® Visa Infinite* has a points calculator to help you decide if your spending and this credit card are good for your situation. 

Let’s set the scene. You are an average Canadian family who might spend $14,000 on groceries this year, or $1,166.66 a month. You might also fill up at least one car once a week. According to StatsCan, the Canadian average fuel price for unleaded gas at a self-service station was $1.616 at the beginning of Summer 2023. If you fill up your car once a week, you spend $419.84 a month on gas for a 60 L fuel tank. How many points would you earn with the TD First Class Travel ® Visa Infinite* ?

With the average spending on gas and groceries alone, you could earn 194,245 points in the first year including the welcome offer. That is $971 in travel dollars. Plus, you only ate and gassed up the car. If you have other expenses on the card, your first-year points total can be higher.

Remember, the spending amounts and points earned are for demonstration purposes only. Actual points accrual depends on your individual shopping habits. Use the TD points calculator to estimate how many points you could earn in the first year. 

Earn points on the little things

• 8 TD points/$1 Expedia for TD bookings
• 6 TD points/$1 on groceries & restaurants
• 4 TD ponts/$1 on recurring bill payments
• 2 TD points/$1 on all other card purchases 

The TD First Class Travel Visa Infinite * lets you earn 2 TD points for every $1 spent. It’s a nice ratio. If you book travel with your card through Expedia for TD , you earn 8 TD points for every dollar spent. Then, you earn 6 TD points per $1 spent on groceries and restaurants and 4 TD points on recurring bill payments on your account. 

If you use your card at Starbucks, you earn 50% more TD points and 50% more Stars at Starbucks. This feature is about lifestyle. Even if you don’t want to travel yet and don’t always get Starbucks, the card lives up to its slogan of ‘Earn points on the little things.’ Plus, your points do not expire so you can save them for all things big and small.

Redeeming your TD points

Thankfully, your TD points are redeemable in really extensive ways. You can use the points to buy gift cards or merchandise off of TD Rewards. They have weekly deals where you can get merchandise for less points. If you want a financial reward, you can use your points to pay off some or all of your TD credit credit card balance. Also, you can use your points to book travel with Expedia for TD.

TD First Class Travel ® Visa Infinite* is your Canadian Amazon credit card

• Redeem TD Points on Amazon.ca with Amazon Shop with Points

You don’t need to get the Amazon credit card, because you can use your TD First Class Travel Visa Infinite* card on Amazon and redeem your TD points for merchandise. That is right, the Amazon points you’ve always wanted are TD points. Of course, there are more details, but you can exchange your points on Amazon for free stuff. 

What is Expedia for TD?

• Earn & redeem TD Points on Expedia for TD
• No blackout dates

Finally! Expedia for TD is a travel booking site that allows travellers to use their TD Rewards points with an Expedia-like experience. It is exclusive to TD credit card holders and the site often has exclusive deals. Plus, it is a great way to spend and earn TD points simultaneously. You earn 8 TD Points/$1 when you book travel through Expedia for TD. There are no blackout dates and you can modify your plans easily.

TD First Class Travel ® Visa Infinite* insurances

If you read Hardbacon credit card reviews, you know that we take a deep look at the insurances you get with your card. The TD First Class Travel ® Visa Infinite * is a travel affinity card, so it should stand out for all-things travel-related. In terms of insurance, it has the requisite ones. Let’s take a look: 

• Travel medical insurance
• Trip cancellation/interruption
• Flight/trip delay
• Delayed or lost baggage
• Common carrier accident 
• Auto Rental Collision/Loss Damage Insurance

And that is on top of their Emergency Travel Assistance Services and a $100 Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.

First, a word about TD’s online travel insurance tool

TD and its online tools are outmaneuvering the competition. This is the first time I’ve found an online tool that shows me my credit card insurance coverage based on the card I use, the number of people I am travelling with, and the duration of the trip. It makes it easier for me to decide if I need extra travel insurance or if I should split my trip costs over different TD credit cards.

Travel emergency medical insurance

TD offers a solid but average emergency medical insurance policy. If I travel with my spouse or dependents, each one of us is eligible for $2,000,000 per trip. Of course, not every procedure is guaranteed a payout. As with every medical insurance plan, it covers eligible procedures and services. You have to check what is accepted before agreeing to the treatment. Your coverage is good for 21 days as long as you or any of the other travellers is under age 65. If you travel with someone over age 65 and they are a spouse, child, or the primary cardholder, they are only covered with TD’s emergency medical insurance for only the first 4 days.

Trip cancellation/interruption insurance and flight/trip delay

That handy online tool shows that you can have up to 5 travellers in your party and that your trip cancellation insurance is a maximum of $5,000. Per person, there is a $1,500 coverage. However, your maximum trip coverage is $5,000. If you are more than 5 people travelling and you are paying with one card, you might want to buy extra cancellation insurance.

Trip interruption insurance is slightly more generous. Each person has a $5,000 interruption policy. Again, the maximum for the trip for all persons combined is $25,000. Yet another instance of checking what is best for you and maybe buying extra travel interruption coverage.

Your flight/trip delay insurance covers up to $500 per insured person if your flight/trip is delayed for over 4 hours.

Delayed or lost baggage insurance

It’s true that not every credit card offers this type of coverage. TD First Class Travel ® Visa Infinite* cardholders have $1,000 in insurance coverage per person if their baggage is delayed more than 6 hours or if it is lost. Again, this is OK coverage.

Common carrier accident insurance

This is a terrible what-if scenario. If you are or one of your dependents is on a common carrier like a bus, train, ferry, rented car, cruise ship, limousine, or plane and it is involved in an accident, you are covered. You are eligible for up to $500,000 of coverage for covered losses. The amount depends on your injuries. 

TD First Class Travel ® Visa Infinite* and auto rentals

If you book your auto rental with your TD First Class Travel ® Visa Infinite* credit card, you are covered for 48 consecutive days. If you are in an accident, the driver must not be legally intoxicated and there must have been no violation of the rental agreement by the primary cardholder.

You also benefit from a great rate through Avis auto rentals. When you use your TD First Class Travel ® Visa Infinite* credit card, you save a minimum of 10% off the lowest available base rates in Canada and the U.S. If you rent a car outside of Canada and the US, the minimum is 5% off the lowest base rate available at participating Avis or Budget locations.

TD First Class Travel ® Visa Infinite* ’s other benefits

Other than everything listed already, having a TD First Class Travel Visa Infinite* credit card means that you can do the following as well:

• Sign up for TD Auto Club membership, where you get 24-hour road assistance
• Purchase security and extended warranty protections
• Instant fraud alerts
• Mobile device insurance up to $1,000
• Hotel/Motel Burglary Insurance up to $2,500
• Access to the TD app
• Click to pay
• Optional balance protection insurance
• The choice to set up structured payment plans

The most interesting thing to me is the click-to-pay feature and instant fraud alerts. It keeps pace with how customers expect banks to use technology to enable easy transactions but also immediate contact if fraud is suspected. Basically, it is a sign of good service.

Who is the TD First Class Travel ® Visa Infinite* credit card good for? 

The base earn rate of the TD First Class Travel Visa Infinite is a decent 2 points per $1 spent, with more aggressive points for grocers, restaurants, travel and recurring bills. The insurance is decent, too. 

OK, but the real advantages kick in if you use the card to book travel. You redeem fewer points for travel if you do it through Expedia for TD, a site exclusive to TD credit card customers. Plus, if you book travel with your TD card, you have access to excellent online tools to calculate how much insurance you have from your card. 

Furthermore, using your card for everyday purchases stretches your dollar on two key sites: Amazon.ca and Starbucks. Hear me out: Amazon is a retail behemoth in Canada, and Starbucks is also a near-daily retail destination. 

Amazon lets you use TD points for Amazon purchases. The same goes for Starbucks, but in reverse. You earn 50% more points when you buy Starbucks with your credit card. 

This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you.

TD First Class Travel ® Visa Infinite* Rating

Benefits and perks of the td first class travel ® visa infinite*.

• Redeem TD points on Amazon.ca
• Earn 50% more TD points when you use your card at Starbucks
• Accelerate points earning for travel with Expedia for TD, food, and recurring bills
• 2 points for every $1 spent on everyday purchases
• Points never expire
• No travel blackout dates
• Welcome Offer up to 135,000 TD Rewards points
• Annual fee for the primary card rebated for the first year
• Decent purchase interest rate and cash advance interest rates
• Comprehensive travel insurances including emergency medical, trip interruption, and trip cancellation
• Fantastic online tools to estimate points calculation as well as travel insurance coverage

For complete and current information about any product, please visit the provider’s website. Terms and conditions apply.

Stefani Balinsky

TD First Class Travel ® Visa Infinite * Card

Summary of flytrippers' review, why get this card.

• The excellent welcome bonus worth $750
• The flexibility of simple points that can be applied to almost any travel
• The excellent insurance coverage
• The good multiplier earn rates
• The fact that there is no annual fee the 1st year

WHO SHOULD GET THIS CARD

• Those who want simple points that can be applied to almost any travel
• Those who want one of the highest offers ever seen for simple points
• Those who want excellent insurance coverage
• Those who want no annual fee the 1st year (even though the total value is always what you should look at)

Scroll for all details or check out our review

Detailed review of the TD First Class Visa Infinite Card

• Go to our editorial card review page (coming soon)
• Keep scrolling here for all the details
• Apply now via TD secure link
• See all the best credit cards in Canada

Card details

Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• Get an annual TD Travel Credit† of $100 when you book at Expedia®For TD.
• Get an Annual Fee Rebate for the first year†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.

To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

† Terms and conditions apply.

Welcome bonus structure (2 separate bonuses) (LIMITED-TIME OFFER — ends June 3, 2024)

20,000 TD Rewards points  Bonus after making 1 purchase (no minimum amount) 80,000 TD Rewards points Bonus after spending $5,000 (in a maximum of 180 days)

100,000 TD Rewards points Total with the 2 parts of the bonus

Earn on the minimum spending requirement

30,000 TD Rewards points Estimated earn on the minimum spending requirement of $5,000 (at multiplier earn rate of 6 pts/$)

Total rewards by unlocking the welcome bonus

130,000 TD Rewards points Welcome bonus + earn on the minimum spending requirement to unlock it

‣ Apply for the TD First Class Travel ® Visa Infinite * Card

Value of the welcome bonus offer (at our Flytrippers Valuation of  0.5¢/pt )

$100 Welcome bonus after first purchase (20,000 pts) $400 Welcome bonus after min. spend (80,000 pts) $150 Earn on the required spending (30,000 pts) $100 Travel credit on $500+ hotel booking (fixed value) –$0 Card fee (no annual fee the 1st year)

$750  Total net value by unlocking the welcome bonus alone

‣ Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

15.0%  Return on the minimum spending requirement ( $750  on $ 5,000 in 180 days)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

$750  Rewards you get for  $0

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 130,000 TD Rewards points  you get by unlocking the welcome bonus:

$650 Travel booked on Expedia for TD $520 Travel booked on any website $520 Education credit with HigherEdPoints $429 Merchandise on Amazon ≈ $429 Gift cards ≈ $429 Merchandise $325 Statement credit

‣Learn more about the best redemptions of TD Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value  per TD Rewards point to help you understand:

0.5¢ Travel booked on Expedia for TD 0.4¢ Travel booked on any website 0.4¢ Education credit with HigherEdPoints 0.33¢ Merchandise on Amazon ≈ 0.33¢ Gift cards ≈ 0.33¢ Merchandise 0.25¢ Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 130,000 TD Rewards points  for:

130,000 pts Discount of $650 on travel booked on Expedia for TD

━ Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

130,000 pts Discount of $520 on travel booked on any website

Redemptions for education credits

Also a redemption of the more simple type, with a fixed value. TD Rewards points are among the very few that offer a non-travel redemption that doesn’t have a lower value than travel redemptions (at least compared to the least valuable of the 2 travel redemption options). You can use your points to get a fixed-value credit at select higher education institutions.

130,000 pts Credit of $520 at HigherEdPoints

Redemptions for anything other than travel (except HigherEdPoints)

Should  always be avoided , as with  all  rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Expiry TD Rewards points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about TD Rewards points expiry (coming soon)

Pooling TD Rewards points cannot be pooled with travel companions.

‣Learn more about pooling rewards (coming soon)

Logistics TD Rewards points can be used directly on the TD Rewards website.

‣Learn more about how to get started with TD Rewards (coming soon)

Rewards program summary Rewards: TD Rewards points Source: Bank rewards Type: More simple Flytrippers Valuation: 0.5¢ per point Minimum value: 0.5¢ per point Maximum value: 0.5¢ per point Transferable: No

‣Learn more about rewards programs basics (coming soon)

8 points per $ ( 4% ):

• Travel booked through Expedia For TD †

6 points per $ ( 3% ):

• Groceries † (and indirectly at all retailers offering gift cards in grocery stores )
• Restaurants† (and food delivery apps )

4 points per $ ( 2% ):

• Recurring bill payments set up on your Account †

2 points  per $ ( 1% ):

• All other purchases †

Earn rates (when considering Annual Birthday Bonus†)

8.8 points per $ ( 4.4% ):

• Travel booked through Expedia For TD†

6.6 points per $ ( 3.3% ):

• Groceries† (and indirectly at all retailers offering gift cards in grocery stores )

4.4 points per $ ( 2.2% ):

• Recurring bill payments set up on your Account†

2.2 points  per $ ( 1.1% ):

• All other purchases†

Annual Birthday Bonus† applies up to 100,000 points earned; see card benefits section

Earning with additional cards

Fee for additional cards: $50 (no annual fee the 1st year) † Quantity allowed: N/A Minimum age: N/A

‣Learn more about additional cards (coming soon)

Annual Birthday Bonus † On your birthday, you’ll get a bonus equal to 10% of the total points earned on your purchases in the 12 months prior, up to 10,000 points.

‣Learn more about the TD Birthday Bonus (coming soon)

Annual $100 travel credit † You get a $100 travel credit that applies on your 1st hotel booking of $500 or more at Expedia For TD every calendar year.

‣Learn more about the TD annual travel credit (coming soon)

Starbucks partnership † You get 50% more TD Rewards points and 50% more Stars.

‣Learn more about the TD and Starbucks partnership (coming soon)

Access to the TD Lounge at Toronto Union Station † Not as nice as airport lounges, but this lounge provides free coffee and a few snacks.

‣Learn more about the TD Lounge at Union Station (coming soon)

Visa Infinite Hotel Collection † You get exclusive perks at some expensive luxury hotels.

‣Learn more about the Visa Infinite Hotel Collection (coming soon)

Visa Infinite Dining and Wine Country program † You get access to exclusive expensive gourmet experiences.

‣Learn more about the Visa Infinite Dining and Wine Country program (coming soon)

Visa Infinite Entertainment Access † You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣Learn more about the Visa Infinite Entertainment Access program (coming soon)

Insurance included

Medical travel insurance for 21 days (64 years and under) † Medical travel insurance for 4 days (65 years and above) † Flight delay insurance ($500, 4hr minimum) † Trip cancelation insurance † Trip interruption insurance † Travel accident insurance † Delayed and lost baggage insurance † Rental car insurance † Hotel burglary insurance † Purchase protection coverage † Extended warranty coverage † Mobile device insurance †

‣Learn more about the insurance coverage included with the TD First Class Travel ® Visa Infinite * Card (coming soon)

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility Minimum income: $60,000 (personal) OR $100,000 (household) † Age: Majority in your province Estimated credit score: Good or Excellent Credit bureau: Equifax Canada

‣ Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have activated or closed this specific card in the past 12 months

‣ Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date Account must be approved by June 3, 2024 †

‣ Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details Issuer: TD Bank Canada Network: Visa Card type: Credit card Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Fees and rates Card fee: $139/year (rebated in the first year; account must be approved by June 3, 2024) † Fee for additional card: $50/year (rebated in the first year; you must add your first Additional Cardholder by June 4, 2024) † Foreign transaction fee: 2.5% † Purchases annual interest rate: 20.99% † Funds advance annual interest rate: 22.99% † (20.99% for Québec residents) † Balance transfer fee: 3%

‣ Learn more about what Flytrippers recommends regarding fees and rates (coming soon)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here ).

via TD secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here .

Share this post to help us help more people travel more for less:

Apply now for the TD First Class Travel ® Visa Infinite * Card and get a welcome bonus worth $ 750 !

• Personal Finance

The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive payment from the companies that advertise on the Forbes Advisor site. This comes from two main sources.

First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

Canada’s Carbon Rebate: A 2024 Guide

Published: Apr 3, 2024, 11:33am

Table of Contents

What is the canada carbon rebate, how does the canada carbon rebate work, how much is the canada carbon rebate, who qualifies for the canada carbon rebate, when do i get my canada carbon rebate, the bottom line, frequently asked questions (faqs).

On April 1, 2024, the federal government increased the carbon tax from $65 per tonne to $80 per tonne, making fossil fuels more expensive.

This carbon tax is meant to incentivize Canadians to make greener choices by raising the cost of polluting fuels, such as gasoline and diesel. The most recent hike increased the price for gasoline by 3.3 cents per litre, and since the tax was first introduced in 2019, the cost has gone up by 17.6 cents per litre. However, to help offset that carbon tax, the federal government also pays a Canada carbon rebate to all eligible Canadians who are impacted by this pollution pricing. As the carbon tax goes up, so does the rebate.

Below we explain how the carbon rebate works, who qualifies for it and how much you can expect to get back.

Featured Partner Offer

On TurboTax’s Website

TurboTax is Canada’s #1 tax software and has a full line up of products available to you whether you’re filing as an individual or a TurboTax Canada business

Get the best outcome possible for your situation by filing on your own or with the help of an expert

Get up to 15% off your TurboTax purchase (Offer ends December 31, 2024)

The Canada Carbon Rebate (CCR) is a tax-free benefit to help eligible individuals and families offset the cost of the federal pollution pricing.

The rebate is paid to eligible Canadians in provinces that are impacted by the federal carbon pricing. As B.C., Quebec and Northwest Territories have their own carbon pricing programs ( the B.C. and NWT programs are similar to the federal plan while Quebec uses a cap-and-trade system), residents of those provinces are not eligible for the federal rebate.

From 2018 to 2020 the rebate was known as the climate action incentive, or CAI. From 2021 to 2023 it was known as the climate action incentive payment (CAIP). It was rebranded as the Canada carbon rebate in early 2024.

The CCR is paid to all eligible Canadians four times a year: April 15, June 15, October 15 and January 15. Eligibility is based on your province of residence as well as how many people live in your household and your province of residence. There is also a supplement for residents of small and rural communities. You do not need to apply for the CCR; you only need to file your income tax each year.

According to the Parliamentary Budget Office , approximately 80% of Canadians receive more from the rebates than they pay in carbon tax.

The reasoning for both the carbon tax and rebate is this: the carbon tax is meant to encourage people to choose less polluting fuel options, such as using public transit or buying a hybrid car. You only pay the tax when you’re purchasing fossil fuels, but you receive the rebate regardless. So if you reduce your spending on fossil fuels, you get to keep more money in your pocket via the rebate. The rebate is intended to cover the differential cost of carbon pollution pricing (that is, the portion of your fuel bill that goes towards the tax), not your fuel costs.

Related: Where To Do Your Taxes In Canada

In January 2024, approximately $2.3 billion in carbon tax rebates were paid to approximately 12 million Canadians. The amount of CCR that you receive depends on your province and the number of eligible people in your household.

Here is a breakdown of the current base amount of each quarterly payment and what that payment looks like for a family of four (two adults, two children):

There is also a rural supplement of 20% above the base amount that is given to residents outside of city centres due to their reliance on fossil fuels and limited options for greener alternatives. (Before April 1, 2024, the rural supplement was 10% of the base amount.) This means that while a household of four in Calgary would get an annual rebate of $1,800, a household of four in Bragg Creek, Alberta (population 432 in 2021) would receive $2,160.

The rural supplement applies to residents of Alberta, Saskatchewan, Manitoba, Ontario, Newfoundland and Labrador, New Brunswick and Nova Scotia whose primary residence is outside a census metropolitan area (CMA), which has a total population of at least 100,000. According to the 2021 census, 84% of Canada’s population lives within a CMA, and more than half of the population live in the 10 largest CMAs (the top three are Toronto, Montreal and Vancouver). All eligible recipients of the CCR in PEI are eligible for the rural supplement. You can look up whether you are eligible for the rural supplement here .

To be eligible for the CCR, these conditions must be met:

• You are a resident of Canada in the month before the payment.
• You are a resident of Alberta, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, PEI or Saskatchewan.
• You are 19 years old or older. (You’re eligible if you’re less than 19 if you have a spouse/common-law partner or you are a parent and live with your child.)

You have an eligible child if all the following conditions are true:

• Your child is under 19 years of age.
• Your child lives with you. (If you share custody, you will receive 50% of the benefit for that child.)
• You are primarily responsible for the care and upbringing of your child.
• Your child is already registered for the Canada child benefit (CCB) or GST/HST credit.

If you have a spouse or common-law partner, only one of you can receive the payment for the family. The CCR is paid to the person who files their taxes first. The payment is the same regardless of income, so it does not matter who files first. As the CCR is based on your household, both spouses or common-law partners need to file their income tax returns even if there is no income to report.

The CCR is paid four times a year: April 15, June 15, October 15 and January 15. To receive the April 15, 2024 payment, you must have filed your tax return electronically by March 15, 2024. If you did not file by that deadline, it will take between six to eight weeks after your return is assessed to receive your rebate.

If you are already set up to receive your tax refund by direct deposit, you will also receive your CCR by direct deposit. The transactions should have a reference name of “Canada Carbon Rebate” but as banks have no obligation to use the description text as supplied by the federal government, the deposit may look like something else, such as “Canada Fed.” You can log in to My Account on the CRA website to check when you are scheduled to receive your next payment.

While the carbon tax adds to the cost of purchasing everyday fossil fuels, such as gasoline and natural gas, the Canada carbon rebate helps keep a bit more money in your bank account.

Is there an income threshold for the Canada carbon rebate?

No. According to the CRA, “the CCR is not subject to a benefit reduction based on adjusted family net income.”

How can I apply for the Canada carbon rebate?

You don’t need to apply for the CCR. You just need to file your tax return each year. The CRA assesses your payment by the information you report in your tax return, such as your province of residence and the number of people in your household.

Why did I not receive the Canada carbon rebate?

If you think you are eligible for the rebate but you did not receive it, it may be because you have not yet filed your most recent tax return. If you filed your taxes electronically by March 15, 2024, you should receive your CCR payment on April 15, 2024. Otherwise, it will take six to eight weeks after your return has been assessed. In addition, if you have an outstanding tax debt with the CRA, your rebate will be applied to that debt first before you receive any payment.

Are the Canada carbon rebate amounts taxable?

No. The CCR is not considered taxable income . It is a tax-free benefit given to all eligible Canadians.

What are the payment dates for the Canada carbon rebate?

The scheduled payment dates for the CCR are April 15, June 15, October 15 and January 15. When the 15th falls on a weekend or federal statutory holiday, the payment will be made on the last business day before the 15th. If you are already set up to receive your tax refund by direct deposit, you will also receive your CCR by direct deposit.

Why does Canada have a carbon tax?

The federal government touts the carbon tax as the cheapest way to reduce the pollution causing climate change by incentivizing Canadians to choose greener options. Canada has the ambitious target to reduce greenhouse gas emissions by 40% to 45% below 2005 levels when emissions per capita were 23 tonnes of CO2 equivalent per person, an increase of nearly 10% over 1990 levels. In 2005, Canada’s total GHG emissions were 731 megatonnes, representing about 2% of overall global GHG emissions.

• What Are The Changes In Canada For Tax Season
• What Is The New Grocery Rebate In Canada?
• Food Inflation In Canada
• Federal Budget: What You Need to Know
• Where To Do Your Taxes In Canada
• 4 Ways To Find Back-To-School Deals This Year
• 24 Life And Money Hacks For 2024
• Canada’s Minimum Wage Explained
• 2023-2024 Tax Brackets & Federal Income Tax Rates
• Tax Season 2023: Who Needs To File A Tax Return?
• What Is Taxable Income And How Does It Work?
• Tax Prep Checklist: All You Need To File Your 2023 Taxes
• What Happens If I Don’t File My Taxes

What Is Income Tax?

How tax refunds work in canada, 10 smart ways to spend your tax refund, more from  , canada’s carbon tax increase: what you need to know, how tax credits work in canada, what happens if i don’t file my taxes.

Fiona Campbell is a Staff Writer for Forbes Advisor Canada. She started her career on Bay Street, but followed her love for research, writing and a good story into journalism. She is the former editor of Bankrate Canada, and has over 20 years of experience writing for various publications, including the Globe and Mail, Financial Post Business, Advisor’s Edge, Mydoh.ca and more.

Planning a trip? Build a personalized plan with Maya - your AI travel assistant by Live the World

An ultimate guide on Moscow Metro for first-comers

Anastasiya Molchanova

Travel tips for moscow.

Moscow public transport is very convenient and easy for first-comers to get around. Busses , trams , the metro , and the Moscow Central Circle are renovated and not really expensive, but there is a lifehack that tourists don’t usually know about. This ultimate guide will help you out. When you get to a metro station, what is the first thing you do? Correct, you get a ticket. So, you have to go straight to the ticket office and ask for a metro card called “ Troika ”. It costs 50 roubles, and this money is given back to you when you return the card (you can do it at any station you want, not necessarily at the one where you purchased it). Now, each of your rides costs 38 roubles, instead of 55 . Also, when you get a card, you don’t have any credit on it, so you have to top up your card at the ticket office or a ticket machine.

Where can it be used?

1) moscow metro.

Moscow metro is large, and it has more than 200 stations. You will never be late if you take Moscow Metro . Plus some stations are breath-taking, and they look like museums, for example Kievskaya , Park Pobedy , Novoslobodskaya . You can even book an excursion to learn more about the history of Moscow Metro !

2) Busses, trams and trolleys

Public transport in Moscow is the easiest way to get around, and if you don’t feel like spending your time under the ground, you can take a bus, a tram or a trolley. This kind of transport is more interesting as you can do some sightseein g while going to the city centre. The price is still the same, one ride costs 38 roubles.

3) Moscow Central Circle

Moscow Central Circle , an overland encircle line of metro, was opened a couple of years ago, and it helps out a lot of people every day. For tourists, Moscow Central Circle is useful because it’s another way of discovering Moscow . From the train, many places of interest can be observed: Moscow City Skyscrapers , Luzhniki Stadium and many more.

Moscow Transport is not expensive, but we can still save up some money when using it. This guide’s aim is to tell you about the “ Troika ” card that gives a 20 percent discount , and it’s very useful for first-comers who don’t feel like taking a taxi every now and then. Moreover, you can find out more about Russian culture in Moscow Metro, as it is a piece of art. Feel free to book an excursion there. Remember to give the “Troika” card back to the ticket office, so that you can help the environment (it takes about 400 years for plastics to decompose) and get back your 50 roubles .

Kievskaya metro station in Moscow

Park Pobedy metro station in Moscow

Want to plan a trip here? Talk to AI travel assistant Maya.

Interesting towns related to this story

I am Anastasiya from Moscow, a linguistics student who loves hiking, playing the guitar and drawing. On itinari, I will share with you my favorite Moscow’s spots, giving you the opportunity to dive into an amazing Russian way of living.

Plan a trip with Maya - your AI travel assistant

Stories you might also like

Moscow hosts LADYA, the Russian exhibition of national crafts

Save money & experience the culture in Costa Rican Central Markets

See Moscow from a birds-eye perspective

A guide to the public transport in Sofia

A stunning sunset near the Russian Academy of Science in Moscow

Moscow metro kaleidoscope

From horns to mobiles: Museum of Telephone History in Moscow

How to: Vienna Metro

Getting in and out of Minsk by public transport

Garden haute couture at the Moscow Flower Show

A short guide to getting around Warsaw

Tretyakov Gallery in Moscow: the greatest Russian fine art

Take the best photos of Moscow from a boat

Bolshaya Yakimanka Street, Moscow: where past meets modernity

Discovering the marvelous artworks of Almaty Metro

Terem Palace, a hidden gem of the Moscow Kremlin

Moscow's fight: How Russia's capital resists COVID-19

Journey to Christmas, an annual winter festival in Moscow