td visa travel points

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

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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.

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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 >.

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Sign-in using your existing TD online banking credentials.

The expedia for td program.

It's easier than ever for TD Travel or Rewards credit card holders to find and book their dream vacation on Expedia For TD.

The best part? Not only do you have the flexibility to use your TD Rewards Points to pay for all or part of your trip, but eligible TD credit cards can also earn up to 9 points for every $1 spent on travel purchases 1.

TD First Class Travel Visa Infinite * 

• 8 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/ Phone) 1
• Annual $100 TD Travel Credit on your first Eligible Travel Credit purchase of $500 that is made with Expedia For TD 2
• Birthday Bonus - earn up to 10K bonus TD Rewards Points a year (up to $50 value on Expedia For TD) 3,4
• Comprehensive Travel insurance coverage 4

TD Platinum Travel Visa *

• 6 TD Rewards Points per $1 spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car Rental Discounts 5,6,7

TD Rewards Visa *  

• 4 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car rental discounts 5,6,7

TD Business Travel Visa *  

• 9 TD Rewards Points per $1 when you book travel online, or 6 Points per $1 Spent on travel made by phone through Expedia For TD 1

Not only does Expedia For TD provide you with exclusive deals on travel , but y ou r TD points are worth more when redeeming them and you can earn TD points faster when purchasing travel with your TD credit card. 1,9  

Explore with Options

A flight to Las Vegas? How about an all-inclusive stay at a Cancun resort? A house in Banff for a ski trip? All of these are available on Expedia For TD.

No restrictions on adventure

We don't have black-out dates or seat restrictions on flights, 8  which means you're free to book anytime you want.

Redeem and earn points on:

• Flights and packages
• Hotels, vacation rentals, car rental
• Activities and cruises

And you’ll have access to Expedia benefits

Expedia’s Price Guarantee

Find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in and Expedia will refund the difference. Sign in to find out more.

Save on hotels

Exclusive offers and deals, including up to 20% off hotel stays

Fulltime support

A dedicated customer service team available 24/7 at 1-877-222-6492

How it works

Paying with TD points                        .

It’s easy to shop for travel: Find your ideal trip and pay with your TD Travel or Rewards Credit Card at checkout. On the billing page, select the amount of TD points you wish to redeem.                                                                          

200 TD Rewards Points = $1                            .            .

Every 200 points are worth $1 off travel purchases on Expedia For TD. Redemptions are made in 200-point increments, and travelers need a minimum of 200 points to make a redemption.

Use points for all or part of your trip

For example, if your trip costs $1000, use 120,000 Rewards Points (worth $600). Pay the remainder with your TD credit card and earn up to additional 8 points for every $1 spent 1,9 . That is up to 32k additional points!

Automatic credit for points redeemed

When you purchase travel using TD Rewards Points your TD credit card will be charged the full amount. The dollar value of points redeemed will be credited to your account in 3-5 business days.

Already an eligible TD cardholder?

Use your existing TD online banking credentials to sign in to Expedia For TD and find your perfect trip Sign In

Earn TD Rewards Points on bookings made with your TD Travel Rewards Credit Card and pay with points by redeeming TD Rewards Points towards all or part of your trip. Sign In

Pay for travel and everyday items with your TD Travel Credit Card to earn TD Reward Points. When you're ready, you can redeem TD points to pay for all or part of your trip.

Looking to become a TD travel cardholder?

Learn more about TD’s travel credit cards and choose the one that best matches your spending habits and travel style.

1 TD First Class Travel Cardholders earn eight TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Cardholders earn six TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Cardholders earn four TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

  2 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:    • A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD;    • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking.   See your TD Rewards Program Terms and Conditions for more details.  

3 Each year, receive a TD Rewards Birthday Bonus (“Birthday Bonus”) equal to 10% of the TD Rewards Points earned while using the TD First Class Travel® Visa Infinite* over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday. Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards the Birthday Bonus. 

4 Insurance coverages are subject to conditions, limitations and exclusions. For more information, (including information on the insurer and/or administrator) please refer to the Certificate of Insurance included with your TD Credit Cardholder Agreement.

5 Rate displayed by Expedia For TD reflects the discounted offer.  No discount code needs to be applied. 

6 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code  and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

7 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

8 Subject to carrier/space availability.  9 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments. * Trademark of Visa International Service Association; Used under license.

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Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

Data as of March 2018. Comparison of longest average store hours in the regions (MSAs) in which TD Bank operates compared to major banks. Major banks include our top 20 national competitors by MSA, our top five competitors in store share by MSA and any bank with greater or equal store share than TD Bank in the MSA. Major banks do not include banks that operate in retail stores such as grocery stores, or banks that do not fall in an MSA.

©2022 TD Bank, N.A. All Rights Reserved.

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Best ways to earn:

Best ways to redeem:.

TD Rewards Points are the primary currency touted by the largest bank in Canada, Toronto-Dominion Bank. TD Rewards are a proprietary currency, belonging solely to TD and tied exclusively to TD credit cards .

TD Rewards is a fixed-value points currency, meaning that points can be redeemed in a number of ways at a fixed value. TD Rewards Points are particularly useful to offset the cost of incidental travel purchases, such as independent hotels, short-term rentals, and vacations, to further minimize your out-of-pocket travel expenses.

Earning Points via Signup Bonuses

The only way to earn TD Rewards is from the bank itself, via its suite of personal TD Rewards-earning credit cards.

• The TD Rewards Visa* Card is the no-fee card, which typically comes with a small signup bonus.
• The TD Platinum Travel Visa* Card is the entry-level product among the TD Rewards cards. The card frequently puts on first-year annual fee rebate promotions along with a modest welcome bonus, which typically ranges between 15,000–50,000 TD Rewards Points.
• The TD First Class Travel® Visa Infinite* Card is the flagship TD Rewards product from TD. The card frequently offers first-year annual fee rebates, along with a sizeable welcome bonus of 20,000–135,000 TD Rewards Points.

Earning Points via Daily Spending

Beyond signup offers, you can earn TD Rewards Points through daily spending on the above credit cards. The earning rates are as follows:

• 4 TD Rewards Points† per dollar spent on eligible Expedia® for TD purchases†
• 3 TD Rewards Points† per dollar spent on eligible groceries and dining purchases†
• 2 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1 TD Rewards Point† per dollar spent on all other eligible purchases†
• 6 TD Rewards Points† per dollar spent on eligible Expedia® for TD†
• 4.5 TD Rewards Points† per dollar spent on eligible groceries and dining†
• 3 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 1.5 TD Rewards Points† per dollar spent on all other eligible purchases†
• 8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD†
• 6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases†
• 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account†
• 2 TD Rewards Points† per dollar spent on all other eligible purchases†

Purely from an earning perspective, the TD First Class Travel® Visa Infinite* Card stands out as the strongest card.

This is especially true for anyone who books a significant component of their trips on Expedia, as you can earn an effective 4% return on your purchases.

Redeeming TD Rewards Points

The TD Rewards program offers various redemption possibilities, with different levels of value attached to each one.

Expedia® for TD

The best redemption value for TD Rewards comes by redeeming them on the dedicated redemption portal Expedia® for TD. By redeeming points this way, you’ll get 0.5 cents per point (cpp), which is the best way to use TD Rewards Points.

Expedia® for TD is essentially the same platform as the regular Expedia, except you log in with your TD credentials so you can redeem points.

Simply sign in to your TD Rewards account, click “Expedia for TD” under the “Redeem” tab, and then click through to the Expedia for TD portal.

As with regular Expedia purchases, you can book flights, hotels, car rentals, and other travel purchases. Importantly, Expedia also offers cruises, tours, and Disney tickets, among other things.

As these travel expenses are typically quite difficult to book with points, using TD Rewards Points 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 out-of-pocket.

The minimum redemption is 200 points ($1), and you can choose to redeem your points in $50 increments. You’re able to make purchases in any combination of points and cash.

Once you’ve chosen your desired purchase on Expedia for TD, look for “Use your TD Points” on the checkout page. Just select the number of points you’d like to redeem at 0.5cpp, and then proceed with your purchase.

The credit posts in three to five days after the purchase, so be patient and keep an eye on your account.

If you’re using your TD Rewards Points on Expedia® For TD to redeem for hotels, or car rentals, the usual warnings of using an online travel agency apply.

You won’t earn any hotel status benefits or accrue elite qualifying nights at hotels. For car rentals, you won’t earn things like Hertz points or free rentals through National Free Days.

This doesn’t apply to airfare, though, as you’ll still accrue the same amount of elite qualifying miles, segments, and dollars. As long as you have your frequent flyer number attached to your booking or add it in at the check-in counter, your travel should count towards elite status qualification.

One major thing to note about using Expedia to book airfare is that any and all changes and cancellations must be pursued through the third-party booking agency, and can’t be done through the airline.

Book Any Way

The second-best way to redeem TD points is for non-Expedia travel, where you can redeem at a respectable 0.4 cents per point. The minimum redemption is 250 points ($1).

This ratio is maintained for the first $1,200 of a single travel purchase, and will be 0.5 cents per point (200 points = $1) thereafter.

Booking non-Expedia travel using TD points is called “Book Any Way Travel” and can be booked by using the TD Rewards website or by calling 1-800-983-8472.

Calling has a few distinct advantages, such as the ability to redeem your points for non-conventional travel items, such as gas, attractions, various hotel expenses, RV rentals, and even Airbnbs.

To redeem TD Rewards points through “Book Any Way Travel”, select “Book Any Way Travel” from the “Redeem” tab on the TD Rewards website.

On the next screen, fill in the information about the transaction against which you’d like to redeem points. Note that you can only redeem TD Rewards points for “Book Any Way Travel”  after the purchase has posted on your account.

You’ll need to note down the transaction date, its description, and the amount before proceeding. You can submit multiple transactions at once.

Higher Education

Using TD Rewards Points towards higher education is also a decent option, at a redemption value of 0.4 cents per point (250 points = $1). You’re able to use your TD Rewards Points to pay for tuition and/or student loans, in increments of $250 (62,500 points).

First, check if your institution participates on the TD website , and then you can buy HigherEdPoints Education Credits with your TD Rewards Points.

If you want to use your TD Rewards Points towards shopping expenses, you can redeem your points towards gift cards at a flat value of 0.25 cents per point (400 points = $1).

This is objectively a lower-value redemption than travel; however, as long as you’re redeeming points for higher value than your costs (which is usually the annual fee), you’re keeping cash in your pocket.

Gift Cards & Merchandise

There are sometimes discounts which offer gift cards for 25% off, so you can redeem at 0.33 cents per point. If you plan on redeeming TD Rewards for gift cards, it’s best to wait for one of these promotions prior to doing so.

The same value of 0.25 cents per point is offered for merchandise purchases, which are listed on the TD Rewards website . As with gift cards, there are sometimes sales where you can redeem for up to 0.3–0.4 cents per point.

As always, check if the item you’re redeeming for is on sale for a lower price on another platform to calculate your redemption value.

There’s also the option of redeeming TD Rewards Points at 0.33 cents per point through a partnership with Amazon.ca.

First, you’ll have to enroll by linking your TD Rewards-earning credit card with your Amazon account. Once you’ve done this, you can apply TD Rewards Points.

At the check-out page on Amazon, change the payment method to your linked TD Rewards credit card, where you’ll see the balance of points available. You can cover the rest of the purchase with your credit card.

Statement Credit

Finally, the last way to use your TD Rewards Points is to redeem for statement credit directly, also at a rate of 0.25 cents per point.

It sounds like the same rate as gift cards and merchandise, but keep in mind that those have occasional sales, while statement credits always remain at 0.25 cents per point.

This makes it the lowest-value way of redeeming your TD Rewards Points, and if you plan to use your points towards a statement credit, you’re better off with a cash back card .

Without a doubt, using Expedia® For TD at a rate of 0.5 cents per point (200 points = $1) is the best value redemption for TD Rewards Points.

For most travellers, this should suffice just fine, as Expedia offers tours, Disney park tickets, and a plethora of other travel possibilities aside from the usual flights, hotels, and car rentals.

TD Rewards Points are a great way to save money on miscellaneous travel expenses, and the regular high signup bonuses and respectable earning rates make it quite easy to rack up the points.

† Terms and conditions apply. Refer to the TD website for the most current information.

Hi, is it possible to sell my TD points to someone in exchange for cash? I am getting older and I doubt I will ever use it for travel. I have a lot of points. Any help would be appreciated. Thanks

Hi Judy. I don’t think TD points are transferable to other people, however you CAN redeem them for a cash (statement credit). You will get 0.25 cents per point, so for example if you have 100,000 TD points, that should be a credit of $250 . You may also be able to redeem them for non-travel rewards that will give you more value for your points. If you do decide on the statement credit, this can be done from TD Easyweb when viewing your TD Visa details. You might have to sign up or sign-in to ‘TD Rewards’ for the other options. Hope this helps!

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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

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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.

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TD First Class Travel® Visa Infinite* Card review

Welcome Offer Ends Jun 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.

• Rates & Fees

8 Points Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†

6 Points Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†

4 Points Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†

2 Points Earn 2 TD Rewards points for every $1 you spend using your card.†

10% Bonus Points Each year, received a birthday bonus equal to 10% of the total number of points earned over the 12 preceding months.†

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

USD The annual fee is in USD

$139 Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.

20.99% Purchase APR APR for purchases 20.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

Good Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

By Money.ca & Scott Birke

Updated: March 27, 2024

Play article   

(    mins)

(    )

This offer is not available for residents of Quebec.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD†. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

Unfortunately the card leaves a bit to be desired due to its relative lack of auxiliary travel features. This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Pros and Cons of the TD First Class Travel® Visa Infinite* Card

Major combined value for the welcome bonus (up to $800†)

Good base earn rate on all purchases

Huge earn rate when you book travel through Expedia® For TD†

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Does not provide free lounge access

Charges foreign transaction fees

Welcome bonus

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.

Earning TD 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†

Points don’t expire as long as your account is active, and the card has no caps on the total amount of TD Points that can be earned.

Redeeming TD Points

Though there are a number of redemption options with TD Points, you get the best value when redeeming for travel via one of two methods:

Book Any Way†

The Book Any Way† redemption path allows you to charge eligible travel expenses to your credit card and then retroactively redeem your points for those expenses within 90 days of the expense date. Travel expenses may include but are not limited to:

• Air travel taxes
• Baggage fees
• Airport parking and shuttles
• Car rentals
• Local commuter transport, like trains, buses or subways
• Travel attractions and entertainment

Each point redeemed via Book Any Way† is worth $0.004 for the first $1,200 of any redemption and $0.005 for the remainder of any redemption above $1,200.

Expedia® For TD

Points can alternatively be redeemed† for flights, hotels, vacation packages and rental cars via ExpediaForTD.com. Redeeming with this method yields a flat value of $0.005 per point. The site will indicate the dollar value of the TD points you have on hand, and then you apply those points to your travel purchase when checking out.

Aside from the high value in earning and redeeming† rewards via ExpediaForTD.com, the platform also provides a nice price guarantee feature: If you find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in, Expedia will refund the difference between what you paid and the lower rate you found.

Other redemption paths

TD Points can also be redeemed for the following, though the value you get per point tends to be lower than what you get for the above two travel redemption methods.

• Amazon’s Shop with Points†: Select your TD card  as your method of payment at Amazon.ca checkout , then automatically apply points toward your purchase. 10K TD Points can be redeemed for $33 (value of $0.0033 per point) and can be redeemed for Amazon.ca purchases either in part or in full.
• TD’s Shop the Mall†: Redeem points for clothing, electronics and computers from retailers like Roots, Zara, and the Body Shop.
• TD’s Shop the Catalogue†: Redeem points for merchandise including clothing, games, furniture, and appliances.
• Gift cards† at retailers like Bed Bath & Beyond, Best Buy, Canadian Tire, and more.
• Cash statement credit† for your TD card account. This requires a minimum 10K points to redeem. The first 10,000-point minimum is worth $0.005 per point and then each additional 400 points is worth $1 (0.0025 per point).
• Education credit† via HigherEdPoints.com. Credits must be purchased in minimum 62,500 points/$250 credit increments, for a redemption value of $0.004 per point.

Insurance and protections

The card’s suite of travel insurance, car rental insurance, and purchase coverage is adequate, though not the best in the field for its price point.

Compared to competing Canadian travel credit cards with a comparable annual fee, some notable weaknesses in the above suite of travel insurance include the relatively brief coverage periods of Travel Medical Insurance†; low-ish maximums for Trip Cancellation payouts†. A comparative strength of the TD First Class Travel® Visa Infinite* Card is its Trip Interruption coverage†, which is very generous.

You can check out our  guide to credit card travel insurance  to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

Fees, rates and eligibility requirements

The card’s $60,000 individual and $100,000 household annual income requirements are reasonable for a travel credit card with rewards earn rates at this level, as are the $139 annual fee for the primary cardholder and $50 annual fee for each additional authorized user. Other fees and interest rates are also standard, with a 20.99% purchase interest rate; 22.99% balance transfer rate; 22.99% cash advance rate; and 2.5% foreign transaction fee.

One very unusual card benefit is the possibility of getting both the primary cardholder’s $139 annual fee and an additional authorized user’s $50 annual fee fully rebated every year.† This feature is available to new cardholders who are also members of TD’s All-Inclusive Banking Plan. It’s rare for Canadian banks to really reward clients that  bundle together  multiple products, and it’s an incentive that other financial institutions might do well to take note of.

How does it compare to competing travel cards?

When compared to  competing travel credit cards  with comparable annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate† effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD. The foreign transaction fees, lack of free airport lounge access and middling travel insurance package might ultimately make it a better card for those who do a significant amount of domestic travel; those who frequently find themselves overseas might consider a different travel credit card with more globetrotter-friendly perks, such as:

Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

BMO Ascend™ World Elite®* Mastercard®*

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.* You can learn more about this card by reading our complete  BMO Ascend™ World Elite®* Mastercard®* review .

What is the difference between TD Points and TD Rewards Points?

There is no meaningful difference beyond the different names.

Do I need to notify TD when travelling?

Most banks, including TD, no longer require international travel notifications, though TD does continue to monitor its clients’ credit card activity whether they are inside or outside Canada.

What is Expedia for TD?

Expedia® For TD is a partnership between Toronto-Dominion Bank and the online travel agency Expedia. Booking travel with Expedia® For TD yields the best value possible for your TD Points, though it is a less flexible and more limited redemption method than the Book Any Way† method.

About our authors: faces of finance

The Money.ca Editorial Team is a group of passionate financial experts, seasoned journalists, and content creators who are deeply committed to providing unbiased, relevant, and accurate financial information. With years of combined industry experience, our team is dedicated to maintaining the highest journalistic standards and delivering informative and engaging content. From personal finance and investing to retirement planning and business finance, we cover a broad range of topics to suit the financial needs of our diverse readership. You can trust the Money.ca Editorial Team to empower you with the knowledge and tools necessary to make wise financial decisions.

These articles do not include bylines, as they are intended to provide information about the company or have been written by an internal team at Money.ca, rather than stories by individual writers or contributors. Bylines are used for all other articles.

Scott Birke is a finance editor and writer with an interest in credit cards, investing, saving money and personal finance. Scott joined Wise Publishing from Finder, and his byline has appeared in the National Post, Mountain Life and Rock and Ice. When he's not trying to help Money.ca readers save money by comparing better financial products, he can be found riding his snowboard or mountain bike or listening to his small (but growing) vinyl collection.

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• $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.

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TD Rewards Visa Card Review 2024

Updated: Mar 5, 2024, 11:36am

Fact Checked

The TD Rewards Visa* Card is a card with no annual fee that mainly benefits those loyal to ExpediaForTD. While it does include a few solid perks, like mobile device insurance , rental car discounts and extended warranty protection on purchases, it’s really only a solid option if you’re looking to bank with TD, travel using ExpediaForTD and want to pay no annual fee.

• No annual fee
• Low interest rate
• Mediocre travel and consumer protection plan

Table of Contents

Introduction, quick facts, td rewards visa* card rewards, td rewards visa* card benefits, how the td rewards visa* card stacks up, methodology, is the td rewards visa* card right for you.

• Advertiser's Disclosure
• Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) by keeping your Account open, active and in good standing for the first 90 days†, plus no Annual Fee. Account must be approved by June 3, 2024.
• Earn TD Reward Points on all thing you normally do, whether you use your card for groceries, dining, or paying bills. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.
• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia ®  For TD, Starbucks ®  and more.
• Mobile device insurance of up to $1000 if you lose or damage your phone.
• Booking your travel through Expedia ® for TD† to maximize the TD Rewards points you can earn on your travel purchases
• 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.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop Points. Conditions Apply.
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

The TD Rewards Visa* Card is a no-annual-fee travel rewards card with a decent welcome bonus. New applicants can earn 15,152 TD Rewards Points for keeping their accounts open and active for the first 90 days.

Beyond that, this card shines on purchases and redemptions through ExpediaForTD. You’ll earn 4 points per dollar spent booking through their travel portal. Redeeming through this platform is also the best way to maximize the value of your points, earning 0.5 cents per point. This translates to a maximum value of 2% on your purchases through ExpediaForTD.

You’ll also earn 2 points per dollar on recurring bills, along with 3 points per dollar on dining and groceries. However, these earn rates drop to 1 point per dollar after exceeding $5,000 in annual spending per category. The remainder of your purchase categories will earn 1 point per dollar spent.

Other no-annual-fee cards , like other cash back and rewards cards , offer higher earnings and more flexibility to redeem where you want—without losing potential value. This card restricts earning potential by imposing $5,000 spending caps on groceries , restaurants and recurring bills. Your earn rate drops to 1 point per dollar after exceeding these limits.

Overall, this is a decent starter card for those new to credit cards or students looking to earn travel rewards without paying an annual fee. But cards with higher earn rates and more perks may be preferable for big spenders despite their annual fees. The TD Rewards Visa Card best suits low-volume spenders who use ExpediaForTD as their go-to travel booking site.

• Maximum earn rate of 2% when spending and redeeming through ExpediaForTD.
• $5,000 annual caps on groceries, dining and bills, 1 point per dollar afterward.
• Decent welcome bonus of 15,152 TD Rewards Points (a value of $50 on Amazon.ca). Conditions apply. Account must be approved by June 3, 2024.

Earning rewards

Earning rewards with the TD Rewards Visa Card is straightforward—you simply use the card for everyday purchases and the points automatically accumulate in your account. The earn rates are decent but nothing extraordinary.

You’ll get a reasonable 4 points per dollar spent booking travel through ExpediaForTD, which is great if you frequently use that portal. The 3 points per dollar on groceries and dining is average, as is the 2 points per dollar on recurring bills. However, the card only earns 1 point per dollar on non-bonus category spending.

TD Rewards generally carry a maximum redemption value of 0.5 cents per point. This translates to a maximum earn rate of 0.2% to 2% on spending. This is sub-optimal, especially compared to cash back cards that can earn 2% or more on everything. Furthermore, cash-back cards offer more redemption flexibility.

Of course, a major drawback is the aforementioned $5,000 annual caps on the earnings for spending on groceries, dining and bills. For example, the amount of points you earn on groceries will drop to 1 point per dollar after spending $5,000 in one year. Fortunately, there is no cap on travel spending, benefiting those who frequently purchase flights or hotels through ExpediaForTD.

Redeeming Rewards

Redeeming TD Rewards points earned with the TD Rewards Visa Card is easy to do through the TD Rewards website or app. You have various redemption options, including ExpediaForTD travel, cash back credits, gift cards, merchandise and more.

Getting maximum value requires redeeming your points for travel purchases through ExpediaForTD, where you’ll get a fixed 0.5 cents per point. You’ll also benefit from a lack of blackout dates and the ability to apply your points to airline taxes and fees. Many other rewards programs have complicated point valuations, blackout dates and require you to pay taxes separately. As with most programs, you’ll reduce the value of your hard-earned points with redemptions on statement credits or gift cards. In this case, you’ll halve the value of your points with redemptions on statement credits. Instead of receiving 0.5 cents per point with ExpediaForTD, you’ll redeem at around 0.25 cents per point. You can think of this as giving away a $50 bill for only $25.

The main drawback of TD Rewards is the absence of transfer partners. Other programs-such as American Express Member Rewards-provide various opportunities to transfer your points. For example, you can exchange to Aeroplan , Marriott Hotels and many more. TD Rewards doesn’t offer this feature. As a result, you’ll be limited to redemptions through TD’s platform and miss out on promotions offered by different programs. Similarly, you’ll be at risk of a devaluation of your TD Rewards points.

Redemption is easy with TD Rewards, but you’ll need to use points for ExpediaForTD travel to get strong returns. As such, this card is best for occasional travellers not interested in potentially maximizing the value of their points through transfer partners. Frequent travellers should consider a premium travel credit card that earns more points. These cards also generally include airport lounge access and travel insurance .

Rewards Potential

The earning potential with the TD Rewards Visa* Card is decent but not market-leading. Forbes Advisor estimates that an average Canadian will earn $263.25 in rewards annually. This is calculated using average spending trends. You’ll need to purchase and redeem through ExpediaForTD to maximize rewards potential, achieving an effective 2% return.

Your rewards potential is limited by spending caps, which apply to grocery/dining and recurring bill categories. Although you’ll earn 2 to 3 points per dollar on these categories, they’ll drop to 1 point per dollar after exceeding $5,000 in annual spending. For example, you will only receive 1 point per dollar on groceries after exceeding the annual spending limit. Note that the spending caps apply to each individual spending category, meaning exceeding the grocery limit won’t reduce your recurring bills earn rate.

• Earning Rates and Rewards: 4 points per dollar on ExpediaForTD, 3 points per dollar on groceries and at restaurants, 2 points per dollar on recurring bills and 1 point per dollar on everything else.
• Welcome Bonus: 15,152 bonus points for keeping the account open for 90 days. This translates to a maximum value of $50. Conditions apply. Account must be approved by June 3, 2024.
• Three Types of Insurance: Purchase protection, extended warranty and mobile device insurance.

Interest Rates

• Regular APR: 19.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $0
• Any other fees: Additional cardholder $0

TD Rewards Visa* Card vs. RBC ION+ Visa Card

Those willing to pay a $4 monthly fee can benefit from the enhanced earning potential of the RBC ION+ Visa Card. This card earns 3 Avion points per dollar on groceries, restaurants, gas, ride shares, EV charging, streaming, subscriptions and digital gaming. Every other category (including travel) earns 1 point per dollar spent.

Notably, RBC Avion points carry a value of up to 2.33 cents per point. As such, you’ll receive a maximum 2.33% to 6.99% earn rate on your purchases, eclipsing the 0.2% to 2% offered through the TD Rewards Visa* Card. Furthermore, the RBC ION+ Visa Card doesn’t have the spending cap as seen with the TD counterpart.

Overall, the RBC ION+ Visa Card is better for high-spenders looking to earn more points on everyday purchases. However, the TD Rewards Visa Card is best for frequent travellers looking to enhance points through ExpediaForTD.

TD Rewards Visa* Card vs. MBNA Rewards Platinum Plus Mastercard

The MBNA Rewards Platinum Plus Mastercard provides shocking rewards for a no-annual-fee credit card. Forbes Advisor estimates that an average Canadian will earn $439.59 in annual rewards value from this card. This is contrasted with the $263.25 in rewards expected from the TD Rewards Visa* Card. Both calculations are based on the same average spending habits of Canadians.

The elevated earning potential is due to the higher spending caps and earning rate. The MBNA card earns a base rate of 2 points per dollar spent on restaurant, grocery, digital media, membership and household utility purchases, up to $10,000 in spend per category. This cap is double that of the TD card, which sees many categories evaporate after $5,000 in spend.

Assuming a maximum point value of 1 cent per point, the MBNA Rewards Platinum Plus Mastercard earns up to 2% on its top spending categories. Meanwhile, the TD Rewards Visa Card only earns this rate on ExpediaForTD purchases.

As such, the MBNA Rewards Platinum Plus Mastercard is better for those who want increased rewards on everyday purchases.

TD Rewards Visa* Card vs. HSBC +Rewards Mastercard

The HSBC +Rewards Mastercard is not great for those who want to maximize rewards. Instead, it’s best for those who want to carry a balance. This is because of the exceptionally low interest rate offered by the HSBC Card. Most credit cards—-including the TD Rewards Visa* Card—charge almost double.

However, anyone looking to optimize rewards earning potential should skip this card. Although it has a $25 annual fee, Forbes Advisor estimates that the average Canadian will only earn $152.15 in annual net earnings. This is lower than the mid-market estimation of $263.25 for the TD Rewards Visa Card.

Overall, the TD Rewards Visa* Card is better if you want to earn more points. Meanwhile, the HSBC +Rewards Mastercard is best if you plan to carry a balance and want to reduce your interest payments.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With this card, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind. what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD Rewards Visa Card is a solid option for occasional travellers who want to earn rewards without paying an annual fee and frequently use ExpediaForTD to book flights and hotels. This card is also a good choice for beginners starting with credit cards or students looking for a no-fee card.

However, a cash-back card like the no-annual-fee Tangerine Money-Back Card provides better returns thanks to their ability to earn up to 2% on 2 to 3 categories of your choosing. The TD Rewards Visa* Card also lacks premium travel perks and insurance coverage, so it’s not ideal if you want luxury benefits and security.

Additionally, a cash-back card would be a smarter pick over this travel-focused TD option if you prefer earning flexible cash back over rigid travel points. Overall, the TD Rewards Visa Card suits budget-minded travellers happy with ExpediaForTD and its straightforward rewards structure.

Related: Best Credit Cards To Use in Canada

Frequently Asked Questions (FAQs)

Does td rewards visa* have travel insurance.

No, the TD Rewards Visa Card does not have travel insurance coverage . It only includes more basic protections like purchase protection, extended warranty and mobile device insurance. You’d need to upgrade to the TD First Class Travel Visa Infinite Card for a TD card with travel insurance.

What is a rewards Visa card?

The TD Rewards Visa Card is an entry-level, no annual fee travel rewards card issued by TD Bank. It earns TD Rewards points that can be redeemed for travel booked through ExpediaForTD, cash back, gift cards, statement credits and more.

Its key features include no annual fee, a 15,152 point welcome bonus, 4 points per dollar on ExpediaForTD purchases and 2 to 3 points per dollar on groceries, dining and bills.

How to redeem TD Visa Reward points?

There are a few different ways to redeem TD Rewards points earned with the TD Rewards Visa Card:

• Book travel through ExpediaForTD (get 0.5 cents per point value)
• Redeem for any travel (0.4 to 0.5 cents per point)
• Utilize education credits (0.4 cents per point)
• Shop on Amazon.ca (0.33 cents per point)
• Get statement credits and gift cards (0.25 cents per point)
• Purchase merchandise (0.20 cents per point)

To maximize value, points should be redeemed for travel booked through ExpediaForTD where possible. You can redeem by logging into your TD Rewards account.

Advertiser's Disclosure

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Daniel is an expert on travel, finance, and SEO. He grew up in Toronto, receiving an Honours BBA (Finance) from Wilfrid Laurier University. Today, Daniel is based in Lisbon, Portugal, but some of his most adventurous destinations include Cairo, Rio, and Istanbul.

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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…

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Exploring How To Check Your Td Travel Visa Points

• Last updated Apr 14, 2024
• Difficulty Beginner

• Category Travel

Do you have a TD Travel Visa card and want to maximize your rewards? Curious about how many points you currently have? Checking your TD Travel Visa points is an essential step in making the most of your card. By understanding the process and knowing where to find this information, you can uncover exciting possibilities for your next adventure. In this article, we will guide you through the steps of how to check your TD Travel Visa points and unlock a world of possibilities.

What You'll Learn

• How to Access TD Travel Visa Points Online?
• How to Check TD Travel Visa Points by Phone?
• How to Use the TD Travel Visa App to Check Points?

Other Ways to Check TD Travel Visa Points Balance

How to Access TD Travel Visa Points Online

Are you a TD Travel Visa cardholder wondering how to access and manage your credit card rewards online? Look no further! In this guide, we'll walk you through the step-by-step process for logging into your TD Online Banking account and accessing your TD Travel Visa points balance.

Logging into Your TD Online Banking Account:

To begin, you'll need a device with internet access (such as a computer, smartphone, or tablet) and your TD Online Banking credentials. If you don't have an online banking account set up, you can easily enroll on the TD Bank website or by calling TD Bank customer service.

• Open your preferred web browser and visit the TD Online Banking website.
• Locate the "Log In" button on the top right corner of the page and click on it.
• Enter your username and password in the designated fields. Make sure to double-check for accuracy.
• Click on the "Log In" button to access your TD Online Banking account.

Navigating to the Credit Card Rewards Section:

Once you've successfully logged into your TD Online Banking account, you'll need to find the credit card rewards section. Follow these steps:

• On the TD Online Banking dashboard, you'll see a menu on the left side of the screen. Select the "Accounts" tab.
• Under the "Accounts" tab, you will find a dropdown menu. Locate and click on the option that corresponds to your TD Travel Visa card.
• After selecting your credit card account, a new page will open with your account details.
• Look for the "Rewards" or "Credit Card Rewards" tab and click on it to access your TD Travel Visa points.

Accessing Your TD Travel Visa Points Balance:

Once you've reached the credit card rewards section, accessing your TD Travel Visa points balance is simple:

• On the rewards page, you'll find various tabs displaying different information related to your TD Travel Visa credit card.
• Look for a tab specifically labeled "Points" or "Points Balance." Click on it to view your current TD Travel Visa points balance.
• Some TD Online Banking accounts may require additional steps, such as answering security questions or authorizing the display of your rewards information. Follow the prompts as necessary.
• Once you've accessed your TD Travel Visa points balance, you will likely see the total number of points available, along with any information related to their expiration, redemption options, and recent activity.

Remember to regularly check your TD Travel Visa points balance to stay up to date with your rewards and make the most of your credit card benefits. By following these straightforward steps, you can easily log into your TD Online Banking account, navigate to the credit card rewards section, and access your TD Travel Visa points balance hassle-free.

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How to Check TD Travel Visa Points by Phone

If you are a TD Travel Visa cardholder and need to check your points balance, you don't necessarily have to go online or visit a branch. TD offers a convenient phone service that allows you to access your TD Travel Visa points balance. Here's how you can check your TD Travel Visa points by phone.

• Calling TD Card Services: The first step is to call TD Card Services to inquire about your points balance. The number to call can be found on the back of your TD Travel Visa card. It is important to note that TD Card Services operates during specific hours, so make sure you call during their working hours. Once you call, you will be connected to a customer service representative who will assist you with your points inquiry.
• Providing Account Verification Information: To ensure the security of your account, the customer service representative will ask you a series of questions to verify your identity. These questions may include your name, address, date of birth, and other account-related information. Make sure you have your TD Travel Visa card handy, as the representative may also ask for the card number.
• Inquiring About TD Travel Visa Points Balance: Once your account is verified, you can inquire about your TD Travel Visa points balance. The representative will provide you with your current points balance and may also provide information about any upcoming expiry dates or promotions that are available to you. If you have any specific questions or concerns about your points, this is the time to ask, as the representative will be able to help you with any inquiries you may have.

In conclusion, checking your TD Travel Visa points by phone is a convenient and efficient way to stay updated on your points balance. By calling TD Card Services, providing the necessary account verification information, and inquiring about your points balance, you can easily keep track of your TD Travel Visa points without the need for online access or branch visits.

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How to use the td travel visa app to check points.

The TD Travel Visa App is a convenient tool that allows TD Visa cardholders to manage their rewards points on the go. By downloading and installing the app on your smartphone, you can easily view your points balance, track your rewards, and even redeem your points for travel or merchandise. In this article, we will guide you through the process of downloading and installing the TD Travel Visa App, logging into your TD Travel Visa account, and checking your points balance.

Downloading and Installing the TD Travel Visa App

• Open the app store on your smartphone. If you are using an iPhone, open the App Store, or if you are using an Android device, open the Google Play Store.
• In the search bar, type "TD Travel Visa" and tap on the search button.
• Look for the official TD Travel Visa App developed by TD Bank Group and tap on the "Install" or "Get" button.
• Wait for the app to download and install on your smartphone. This process may take a few minutes depending on your internet connection speed.

Logging into Your TD Travel Visa Account

• Locate the TD Travel Visa App icon on your smartphone's home screen and tap on it to open the app.
• On the app's login screen, enter your TD Visa card number and tap on the "Continue" button.
• You may be prompted to enter your TD Visa card's security code or answer a security question to verify your identity. Follow the on-screen instructions to proceed.
• After successfully verifying your identity, you will need to create a login password for the TD Travel Visa App. Enter a password and tap on the "Continue" button.
• If you wish to enable biometric authentication, such as Face ID or Fingerprint Scan, you can set it up on this screen. Simply follow the prompts to enable this feature.

Checking Your TD Travel Visa Points Balance

• Once logged in, you will be taken to the app's home screen. Tap on the "Rewards" or "Points" tab, depending on the app's layout.
• On the rewards page, you will see your TD Travel Visa points balance prominently displayed. This is the total number of reward points you have accumulated on your TD Visa card.
• You may also have the option to view your points history, recent transactions, and any upcoming rewards or promotions. Simply navigate through the app to explore these features.

Remember to keep your TD Travel Visa App updated regularly to ensure you have access to the latest features and security enhancements. With the TD Travel Visa App at your fingertips, managing your TD Visa rewards points has never been easier. Enjoy the convenience and flexibility of redeeming your points for travel, merchandise, or other exciting rewards!

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If you are a TD Travel Visa cardholder and want to keep track of your rewards points, there are several ways you can check your balance. While online banking is the most convenient option, there are also alternative methods for those who prefer different approaches. In this article, we will outline three additional methods to check your TD Travel Visa points balance: contacting TD Bank customer service, visiting a TD Bank branch, and reviewing TD Travel Visa statements or rewards summary.

Contacting TD Bank Customer Service:

• Dial the TD Bank customer service number provided on the back of your TD Travel Visa card or on the TD Bank website.
• Follow the automated prompts to navigate to the TD Travel Visa department or speak to a customer service representative.
• Provide your personal information, including your card number, full name, and any other required identification details.
• Ask the representative to provide you with your current TD Travel Visa points balance.
• Make note of your balance for future reference.

Visiting a TD Bank Branch:

• Locate the nearest TD Bank branch by using the branch locator on the TD Bank website or by calling their customer service hotline.
• Visit the branch during their hours of operation.
• Bring your TD Travel Visa card and a piece of valid identification, such as a driver's license or passport.
• Approach the customer service counter and inform them that you would like to check your TD Travel Visa points balance.
• Provide the necessary identification details when requested.
• The customer service representative will access your account and provide you with your current TD Travel Visa points balance.
• Remember to thank the representative and securely store your TD Travel Visa card and identification before leaving the branch.

Reviewing TD Travel Visa Statements or Rewards Summary:

• Login to your TD Travel Visa online banking account using your username and password.
• Navigate to the "Rewards" section or find a link to your rewards summary.
• Click on the relevant link to access your TD Travel Visa rewards information.
• Review your rewards summary to find your current points balance.
• Consider exploring other features such as recent transactions, redemption options, or upcoming expiry dates.
• Take note of any changes or discrepancies in your balance and contact TD Bank customer service if needed.
• Log out of your online banking account for security purposes.

Remember, it is essential to check your TD Travel Visa points balance regularly to stay updated on your rewards accumulation. By using these alternative methods, you can easily access your points balance even without access to online banking. Whether you choose to contact TD Bank customer service, visit a TD Bank branch, or review your statements or rewards summary, you can ensure that you always know the status of your TD Travel Visa points.

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Frequently asked questions.

To check your TD Travel Visa points, you can log in to your TD account online or use the TD Bank mobile app. Once logged in, navigate to the "Rewards" or "Credit Card" section to find your TD Travel Visa points balance. If you are unable to find this information online, you can also contact TD Bank customer service for assistance.

Yes, you can check your TD Travel Visa points over the phone by contacting TD Bank customer service. Simply provide your credit card details and ask the representative to assist you in checking your points balance. They will be able to provide you with the most up-to-date information regarding your TD Travel Visa points.

No, there is usually no fee for checking your TD Travel Visa points. However, it is always a good idea to review the terms and conditions of your specific TD Travel Visa card to ensure there are no additional charges associated with accessing your rewards information. If you have any concerns, you can always reach out to TD Bank customer service for clarification.

• Melissa Carey Author Reviewer Traveller

• Annie Rangel Author Editor Reviewer

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