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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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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.

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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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Your travel and everyday spending can add up to big rewards

Use your TD First Class card for travel and everyday spending to get the most out of your card:

• 3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining
• 1X First Class miles on all other purchases —miles never expire as long as your account is open and in good standing *
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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

What does the * mean?

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

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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 Platinum Travel Visa* Review

By Heidi Unrau | Published on 12 Oct 2023

We all want to go places, just not to the same places. A unique travel card like the TD Platinum Travel Visa*  can be used for so much more than your next tropical escape. The flexible TD Points program caters to Expedia lovers but can also help save on your next Amazon purchase, score free Starbucks lattes, and even level up your education!  The TD Platinum Travel Visa* turns both your essential spending and splurges into points you can use on what matters most. It might even be one of the best credit cards for students because of a little-known feature. Here’s what you should know about the incredibly versatile TD Platinum Travel Visa* card.   

TD Platinum Travel Visa* Welcome Offer

How does $400 worth of free stuff sound? I thought so. New TD Platinum Travel Visa* cardholders can earn up to 50,000 bonus TD Rewards points. That alone is worth about $250 in travel benefits when redeemed through the exclusive Expedia portal for TD Points collectors . Then, the annual fee is rebated for the first year for you and one additional cardholder. There’s another $89-$124 kept where it belongs – in your pocket! And for good measure, you also get a free 6-month† Uber One membership worth $60.

So, how do you score these bonus points and extra savings? You have to apply and be approved by September 3, 2024. Then you have to meet some spending requirements to snag those bonus TD Points.

First, you’ll get 15,000 bonus TD Rewards Points once you make a first purchase with your card in the first 3 months. Once you do that, the annual fee will be rebated for the year too. To earn another 35,000 TD Points you need to spend $1,000 on the card in the first 90 days of opening your account. Thanks to inflation , you’ll have no problem hitting that minimum $1,000 spend threshold. We’re looking at you, grocery stores!

The Highlight Reel: TD Platinum Travel Visa* Perks

• $400 worth of welcome offers
• Annual fee rebated in the first year
• 6 points per $1 spent on eligible travel bookings through Expedia For TD
• 4.5 points per $1 spent on groceries and restaurants
• 3 points per $1 spent on recurring bill payments 
• 1.5 points per $1 spent on everything else
• No limit to the number of points you can accumulate
• Points never expire
• Bonus TD Points & Starbucks Stars on Starbucks purchases
• Redeem points for travel through any provider, merchandise, or statement credit
• No travel blackouts or seat restrictions
• Redeem points for Starbucks purchases
• Redeem points for Amazon.ca purchases
• Redeem points for tuition costs or student loan payments
• Purchase protection 
• Extended warranty 
• Travel insurance coverage 
• Discounted car rentals 
• No minimum income required to be eligible

Earning TD Points with your Platinum Travel Visa*

The TD Points program is quickly growing in popularity and for good reason. It’s an incredibly flexible points program that lets you earn rewards on your daily purchases and redeem them for things like travel, merchandise, a credit on your account, and a few other crazy things that will blow your mind. The TD Platinum Travel Visa* Card offers you 3 accelerated points categories to help you bank even more points on the essentials, such as: 

Up to 6 points per $1 on travel purchases 

Travel purchases made with your card earn the most rewards with 6 TD Points per $1 spent online through the exclusive Expedia for TD portal, or if you book through the portal by telephone. Also, there is no annual spending cap on Expedia for TD purchases.

Up to 4 points per $1 on groceries and restaurants

You’ll earn 4.5 TD Points per $1 spent when you use your TD Platinum Travel Visa* Card to buy groceries at eligible grocery stores and restaurants. Be careful though, not all stores that sell groceries qualify as a grocery store. To get 4.5 points, the store must have a Merchant Category Code (MCC) that classifies them as a grocery store or restaurant in the Visa network.

To know for sure if your favourite grocery retailer qualifies, you can always call TD at 1-800-983-8472. The accelerated earn rate applies to all eligible grocery and restaurant purchases up to a total annual spend of $15,000 a year combined for groceries, restaurants, and bill payments. Once you hit the annual spending limit, the earn rate drops to 1.5 TD Points per $1.

Up to 3 points per $1 on recurring bill payments

Do you have recurring monthly bills? That’s a rhetorical question, of course you do. To earn 3 TD Points per $1 on your monthly recurring bills, set them to automatically charge your TD Platinum Travel Visa* Card each month. Eligible recurring bill payments include online streaming subscriptions, insurance premiums, magazine and newspaper subscriptions, cell phone bills, membership fees, etc.

As long as the merchant accepts pre-authorized payments and is classified as “recurring payments” through the Visa network, then you’re good to go. However, there is a $15,000 annual spending cap on this too. Once your combined total recurring bill payments, grocery, and restaurant charges hit $15,000 in a year, the earn rate drops down to 1.5 TD points per $1 spent.

Get 1.5 points on everything else! 

All other purchases on your  TD Platinum Travel Visa* Card , outside the accelerated rewards category, earn 1.5 TD points per $1. You also earn 1.5 TD points per $1 once you exceed the $15,000 annual spending limit on groceries, restaurants, and recurring bill payments set up on your card.

Bonus points at Starbucks!

TD and Starbucks have teamed up to help coffee lovers score more points on their guilty pleasures. You can earn bonus TD Points when you link your TD Platinum Travel Visa* Card to your Starbucks Rewards account. You’ll earn 50% more TD Rewards Points and 50% more Starbucks Stars. From there, you’ll double dip both your TD Points and your Starbucks Stars when you make eligible purchases through the Starbucks app.

Beware of spending caps & the impact on earning points!

We love getting max points on the essentials, but it’s not a free-for-all. There is an annual spending cap of $15,000 combined across groceries, restaurants, and recurring bill payments. Once you exceed the maximum spend, your earn rate drops to 1.5 points per $1 until it reset the following year.

Having said that, there is no limit on the actual number of points you can earn. Even though the rate at which you earn points might drop if you hit the spending limit, you don’t stop earning points on any of your card purchases. That means you can earn limitless points with your  TD Platinum Travel Visa* Card . Cha-ching! Oh, and your TD Points never expire either. 

Redeeming your TD Points

TD credit cards are catching the eye of savvy points collectors and growing in popularity. That little green logo offers something for everyone. The TD Points program is flexible enough to make globetrotters and home-bodies equally happy. Here’s how to redeem your TD Rewards Points: 

Best value when you redeem for travel

The TD Platinum Travel Visa* is a travel card, hence the name, so you’ll get the best redemption value on travel and travel-related purchases through the Expedia for TD portal. If Expedia for TD doesn’t have what you’re looking for, you’ll get the next best redemption value on travel purchases through any other travel provider of your choice.

Better yet, your points can be applied to travel-related charges on your card like taxes, fees, and even excursions booked through your vacation resort! And there are no blackout dates or seat restrictions to worry about either. Your TD Points must be redeemed in 200-point increments on travel purchases.

Redeem for a credit on your account

If cash is king for you, then you can redeem your TD Points for a credit on your credit card bill to help pay down the balance. However, you need to have a minimum points balance of at least 10,000 TD Points in order to redeem for a statement credit. Then, every increment of 400 points over the minimum is worth $1 which can be redeemed as a credit to the account. 

Attention Amazon shoppers! 

You can redeem your TD Points for purchases on Amazon.ca. It’s super easy. Just add your TD Platinum Travel Visa* to your Amazon account and Amazon will automatically enroll your card, unless you opted out of automatic enrollment. When you’re ready to purchase the items in your cart, select your TD Platinum Travel Visa* as the method of payment and choose how many TD Points you’d like to redeem. Their value will be deducted from your total to cover all or a portion of your purchase. 

Free stuff from TD

You can also redeem your TD points to get free stuff from the TDRewards.com online catalogue. You can score free name-brand merchandise across every possible category as well as gift cards to stores, restaurants, and gas stations. Keep in mind, redeeming for merchandise and gift cards yields the lowest redemption value for your points.

Free lattes? Yes please! 

Not only can you double-dip your Starbucks Stars and TD Points, you can also redeem your points for free Starbucks purchases too! If you’re having a hard time kicking that pricey caffeine addiction, the TD Platinum Travel Visa* can save your budget. Just swap your TD Points for Starbucks Stars. Then, redeem your Starbucks Stars for free coffee, handcrafted drinks, food, and eligible merchandise. You need to redeem at least 700 TD Points for Starbucks Stars.

Attention students! Is this the best redemption feature EVER?

Are student loans killing your vibe? What if I told you the TD Platinum Travel Visa* could slash your tuition bill? The TD Points program is the first I’ve come across that lets you redeem points towards your student loan balance and other education costs. TD Points can be used to purchase education credits on HigherEdPoints.com to pay off or pay down student loans or put directly towards your tuition. 

And the best part? They don’t have to be your own TD Points either. Anyone can use their eligible TD Points to purchase education credits for you too. Thanks, Nana! Credits can be purchased in $250 increments (62,500 points) and transferred to your HigherEdPoints account.

From there, you have 2 years to redeem your education credits for payment on federal/provincial student loans or directly towards tuition at participating post-secondary schools. And for what it’s worth, education credits are the second-highest redemption value after travel. I can’t even! 

Travel insurance benefits on your TD Platinum Travel Visa*

As a travel card, TD Platinum Travel Visa* isn’t the best on the market, but it does not disappoint either. Not only do you get the best redemption value on your points when used to book travel through Expedia for TD, you also get a host of other perks too. TD even provides a nifty Credit Card Travel Insurance Verification Tool to help you see what travel benefits are available on your TD credit card. That’s an incredibly handy feature I haven’t seen from other credit card providers.  Here’s a rundown of the complimentary travel insurance benefits you get: 

Other travel perks & discounts

Travel insurance isn’t the only perk you get. Your TD Platinum Travel Visa* also gives you special privileges at airports, on-demand access to help when you need it, other travel discounts, and a smarter way to spend. Here’s how: 

Travel assistance

In the event you experience a personal emergency while travelling, you can access Emergency Travel Assistance Services toll-free at  1-800-871-8334. Knock on wood!

When you need a rental 

If you like to sight-see on your own terms while travelling, or you got rear-ended on your way to a tourist attraction, you can save money with car rental discounts. TD Platinum Travel Visa* holders get at least 10% off car rentals through participating Avis Rent-A-Car and Budget Rent-A-Car locations in Canada and the U.S., and at least 5% off participating international locations.

For the road trippers

Do you love to road-trip? Your TD Platinum Travel Visa* gives you the option to purchase a membership to TD Auto Club. You’ll get access to emergency roadside assistance 24 hours a day. Now you can hit the open road with confidence.

For the smart shoppers 

Savvy shoppers don’t just bargain hunt, they protect their purchases from loss and damage. When you make a purchase with your TD Platinum Travel Visa* , you automatically get Purchase Security and Extended Warranty protection on most new items. If something is stolen or damaged within 90 days from the date of purchase, you’re covered. You also get Mobile Device Insurance on eligible mobile devices purchased with your card.

Rates & fees on the TD Platinum Travel Visa*

Rewards cards typically come with an annual fee, and the TD Platinum Travel Visa* is no exception. At $89 per year, you get quite a bit back in complimentary perks. It’s not a terrible fee compared to other cards on the market, and it’s rebated for the first year too. You can add additional cardholders to your account. The first one will cost $35, also rebated for the first year, and the next ones are free.

The interest rate is pretty standard on this card. There’s really nothing to write home about here, especially if you know how to use a rewards card properly . Ideally, you want to pay your balance off in full every month, which makes the interest rate on this card irrelevant. If you rack up a balance and don’t pay it off in full by the due date, interest charges start to cancel out the benefit of your points – so don’t do that!

Are you eligible for the TD Platinum Travel Visa* card? 

Despite the word “platinum” in the title, the TD Platinum Travel Visa* is a rewards card that is fairly easy to get. There is no minimum income required to qualify, which is great news for students, homemakers, those with lower or non-traditional incomes, as well as retirees. To qualify for this card, you must be at least the age of majority in the province where you live and be a permanent resident of Canada. 

Sometimes, a credit card will explicitly require post-bankrupt applicants to be discharged from bankruptcy for at least 7 years in order to be eligible. However, the TD Platinum Travel Visa* does not have any explicit requirements for post-bankrupts, leading us to believe you may be able to get this card if you have a bankruptcy or consumer proposal on your credit file.

However, we are only speculating based on the eligibility requirements of other cards. Approval is never guaranteed and your application is subject to a hard credit check . Applicants with a good credit score are more likely to be approved. 

Who is the TD Platinum Travel Visa* card for?

At first glance, the TD Platinum Travel Visa* looks like a great card for wanderlusters who want to convert their daily purchases into fabulous adventures. But upon closer inspection, it’s actually a fantastic card for anyone who wants a flexible rewards program to save money on major budget-busters.

Specifically, three kinds of people come to mind; students, Starbucks lovers, and die-hard Amazon shoppers. Heck, it’s a great card for parents who want to help their kids with the cost of post-secondary education.  

Travel might not be top of mind now that the cost of living just hit cruising altitude. As a Starbucks addict and devout Amazon shopper myself, I was already flexing my digits to hit that Apply button. It’s not often that a travel card can help you bank some serious savings on stuff other than travel; like what you need, what you want, and the simple joys that make life worth living.

Luckily, you don’t have to choose between a white and green cuppa-joy or diapers for the tiny humans who make you want to inject that coffee directly into your bloodstream. With the TD Platinum Travel Visa* you can do both! 

Lattes earn points, and points can cover those Amazon diaper purchases. Or your kid’s undergrad program. The HigherEdPoints program is a complete game-changer and I’d like more credit cards to hop on board with this.

And now that you can bank bonus points when the green siren calls, your guilty pleasures can actually bankroll your way to a cap and gown. Don’t worry, when you’re ready to travel again you’ll still score sweet deals on Expedia for TD. Until then, you might as well save money on simple joys.

The TD Platinum Travel Visa* Rating

Heidi Unrau

• Credit Cards
• TD® Aeroplan® Visa Infinite Privilege* Review

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

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

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

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

TD Aeroplan Visa Infinite Privilege Review 2024: A Travel Card With Tons Of Additional Benefits

Updated: Apr 9, 2024, 2:40pm

Fact Checked

The TD® Aeroplan® Visa Infinite Privilege* card is a top-of-the-line travel credit card. With some of the highest earning potential among comparable cards, and a bevy of additional benefits, including comprehensive travel insurance, this card can be well worth its staggering annual fee.

That said, people who don’t require the additional travel insurance benefits can likely find comparable cards with much lower annual fees, and higher net earnings. But, as it stands, this card is ideal for frequent flyers seeking extensive additional rewards.

• Extensive travel insurance benefits
• High Aeroplan earn rates
• Earns double the Aeroplan points on eligible Air Canada purchases (including Air Canada Vacations®)
• $599 annual fee
• $150,000 minimum personal income requirement
• $199 additional cardholder fee

Table of Contents

Introduction, quick facts, td aeroplan visa infinite privilege rewards, td aeroplan visa infinite privilege benefits, eligibility, how to apply for the td aeroplan visa infinite privilege card, ways to access your td credit card account, ways to pay with your td aeroplan visa infinite privilege card, how the td aeroplan visa infinite privilege stacks up, methodology, is the td aeroplan visa infinite privilege card right for you, advertiser’s disclosure, featured partner offers.

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (rebated in the first year, account must approved by June 3, 2024)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

High-end perks while collecting Aeroplan points? Sign up for the TD Aeroplan Visa Infinite Privilege

• 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†.
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
• Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

The TD Aeroplan Visa Infinite Privilege card offers a wide array of benefits out of the many Aeroplan cards on the market. In addition to a generous welcome bonus, the card has commendable earning potential. Every $1 spent earns 1.5 points on common purchases, namely gas, groceries, travel and dining. With groceries being at peak prices due to inflation, you can expect to earn more points in this economic climate.

Though the $599 fee is high, cardholders have access to many travel-enhancing benefits including complete travel insurance (medical, flight cancellation, baggage, etc.) and up to 28 days of auto rental collision coverage. Cardholders that spend $25,000 annually can purchase a companion pass for their travel partner starting at $99. Perks like these make the higher than average annual fee worth the cost.

• Each dollar spent earns 2 points on Air Canada specific purchases, 1.5 points on gas, dining, travel and grocery purchases and 1.25 points on all other purchases.
• Redeem points for vacations, merchandise, gift cards, hotels and activities.
• Earn double the Aeroplan points by purchasing items with your card and presenting your Aeroplan member number to Aeroplan partner brands—or online through the Aeroplan eStore.

Earning rewards

The TD Aeroplan Visa Infinite Privilege card has robust earning potential with Air Canada direct purchases earning 2 points per dollar; gas, dining, groceries and travel purchases earning 1.5 points; and all other purchases earning 1.25 points per dollar. Compared to other Aeroplan cards, users can expect to earn points at a much faster rate as few other cards have staple purchases (for example, groceries ) at a mid-tier earn rate.

Keep in mind that there is a purchasing cap of $100,000 annually across all categories. Once that limit is reached, all purchases will only earn 1.25 points. Still, a solid base rate.

Plus, there are ways to earn even more points even faster by adding up to three additional cardholders without paying an annual fee. They may receive many of the same benefits you will as the primary cardholder, including purchase security and extended warranty protection, visa zero liability, travel medical insurance, trip cancellation/trip interruption insurance, delayed and lost baggage insurance, mobile device insurance, hotel/motel burglary insurance and even a TD Auto Club Membership. You can also earn extra points at a rate of 1.25 per dollar by setting up recurring bill payments.

If you really want to see how many points you can earn in the first year, TD helps you out with a points calculator where you can use a slider to figure out how much you spend annually in the various purchase categories with accelerated earn rates each month on top of the welcome bonus of 20,000 provided you meet all the spending requirements.

In addition to rewards, cardholders will earn 1,000 Status Qualifying Miles (SQM) and one Status Qualifying Segment (SQS) for every $5,000 charged to the card in net purchases made by the primary or additional cardholders, which earns the primary cardholder additional benefits on Air Canada flights when they reach Elite Status.

Redeeming Rewards

Cardholders can redeem their points on the Air Canada or Aeroplan websites. Options for redemption include flights, flight upgrades, hotels , car rentals, vacation packages or merchandise. Users can also donate their points to a charity of their choice.

The Aeroplan program in general offers decent flexibility when it comes to redeeming points, since users can also use a combination of points and cash.

It is worth noting that Aeroplan points do not necessarily have a fixed dollar value when redeeming them for flights. The value of your points for a flight booking depends on multiple factors such as market value, distance and demand. Cardholders looking to make strategic redemption choices will need to pull out a calculator—for better or worse.

Your points can take you many different places. Air Canada will fly you to over 200 destinations and to over 1,300, together with over 30 airline partners. The Aeroplan homepage also has a points predictor tool where you can see exactly what your points will earn you. Plus, if you’re the primary cardholder, it will take fewer Aeroplan points to get to your destination when you book through aircanada.com.

Rewards Potential

With a $599 annual fee—one of the highest on the Aeroplan card market—one would expect high rewards potential. Based on average Canadian spending, Forbes Advisor estimates cardholders earning a total of $377.71 after subtracting the annual fee. Compared to lower-cost cards, such as the TD Aeroplan Visa Platinum card with an approximate return of $360.80, cardholders should not expect this credit card to have the highest net earning potential among competitors. That said, it’s based on average annual spending, so big spenders might find more rewards value overall.

However, though the card may have moderate rewards potential, its extra benefits, such as travel insurance and priority perks, solidify its place as a high-value card to have for Canadian flyers.

Card Benefits

• Earn a $99 (minimum fee) round-trip companion pass by spending $25,000 annually.
• Access to priority check-in, boarding, baggage handling and airport standby for the cardholder and up to eight companions.
• Full suite travel insurance, including medical coverage up to $5 million for the first 31 days of a trip.

Air Canada Travel Benefits

• Annual Worldwide Companion Pass. As the Primary Cardholder,. you get a companion pass automatically on your Card anniversary if you have spent $25,000 on net purchases and you can buy a companion ticket on flights for $99 on an annual round-trip.
• Priority check-in. You and up to eight travelling companions will receive priority check-in for any trip originating on an Air Canada flight.
• Priority boarding. You get on your flight first every time.
• Priority stand-by. If your put on stand-by, you’ll be the first to be called when seats become available.
• Priority baggage handling.  You and up to eight travelling companions will see your bags among the first on the carousel at baggage claim.
• Priority upgrades.  Be the first to be called upon for upgrades.
• Maintain Aeroplan Elite Status more easily. Primary cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year towards the next qualifying status the next year.
• Enjoy eUpgrades longer.  Primary cardholders that will get Aeroplan Elite Status just by virtue of having this card will also be able to roll over up to 50 Air Canada eUpgrades into the next status year. However, to qualify, you must be approved for the card by December 15th of the current calendar year.
• Complimentary upgrade to Avis President’s Club.  Get two car-class upgrades, a dedicated phone line, expedited service and more just because of this included Avis President’s Club upgrade.

Exclusive Benefits

• Complimentary Visa Infinite Concierge.  Available 24/7, wherever you are with your card, the concierge can fulfill nearly any request, including making hard-to-get reservations, booking tickets, reserving car rentals and more.
• Global Airport Lounge Access.  A complimentary membership in the Visa Airport Companion Program by DragonPass, which entitles each cardholder to six free visits to over 1,200 airport lounges worldwide per year.
• Visa Infinite Privilege Airport Benefits. Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport, including priority security lanes at domestic and international terminals, priority airport limo and airport taxi lane and 20% off parking.
• Access to exclusive dining events.  These events are hosted by reputable chefs and come with notable wine pairings.
• Seven exclusive hotel benefits. These include late checkout, free Wi-Fi, room upgrades and more when you book through Visa’s Luxury Hotel Collection.
• Access to special events, screenings, wine tastings and golf courses and lessons.  These are from the Visa Infinite Screening Series, the Visa Infinite Wine Country Program and platinum status with Troon Rewards at golf courses around the world.
•  Visa RSVP Rewards Benefit . Enroll  a nd automatically receive Diamond status delivering benefits at over 60 participating Sandman, Sandman Signature and Sutton Place Hotels across Canada and internationally.

Travel Benefits

• Travel medical insurance.  $5 million coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip. Plus, additional top-up coverage is available if you need it.
• Trip cancellation/interruption. Up to $2,500 per person to a combined maximum of $5,000.
• Flight/Trip delay insurance.  Up to $1,000 in coverage when your flight is delayed up to four hours.
• Delayed and Lost Baggage Insurance . Up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries, when your flight is delayed up to four hours. Up to $2,500 in coverage per person for lost baggage.
• Common Carrier Travel Accident Insurance.  Up to $500,000 in coverage for covered losses on common carriers, such as a plane, bus, train, ferry or vehicle rental.
• Auto Rental Collision/Loss Damage Insurance.  Up to 48 consecutive days of coverage.
• Emergency Travel Assistance Services.  A toll-free contact number for  personal emergency help when travelling.
• NEXUS application fee rebate.  An application fee rebate up to $100 every 48 months for priority and expedited passage across the U.S.-Canada border.
• Hotel/Motel burglary insurance. Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel/motel room that belong to the Cardholder or eligible family members travelling with them.

Partner Benefits

• Avis Rent A Car or Budget Rent A Car. Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
• Rocky Mountaineer. Earn 2 Aeroplan points for every dollar spent on eligible purchases with Rocky Mountaineer.
• Starbucks. Earn 50% more Aeroplan points and 50% more Starbucks Rewards Stars at participating Starbucks stores. Simply link your card to your Starbucks® Rewards account. Conditions apply.

Security Benefits

• Chip & PIN technology. Prevents unauthorized use of the card.
• TD Fraud Alerts. You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your card or the card of any additional cardholder
• Visa Secure.  Extra convivence and security when you shop online.
• Cash Advances. You can ask for an emergency cash advance in an amount up to $5,000 (subject to your credit limit).
• Mobile device insurance. Up to $1,500 of coverage in the event of loss, theft, accidental damage or mechanical breakdown for eligible mobile devices.
• Purchase Protection and Extended Warranty.  Get purchase protection if your purchase is lost, stolen or damaged within 120 days of buying it and if there’s a one-year warranty on the product, it will be doubled up to 24 months.
• Manage your card from the TD app. Lock your card and restrict international purchases from the TD app.

Optional Benefits

• Optional TD Auto Club Membership.  Chose from deluxe, standard and business TD Auto Club memberships, which includes 24/7 emergency roadside and towing assistance. Depending on the level chosen, you may receive meals and accommodations or not and towing distance restrictions or not.
• Optional TD Credit Card Payment Protection Plan. The optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations when you lose your job, become disabled, or die.

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 22.99%
• Balance Transfer fee: 3%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $599
• Any other fees: $199 to add an additional cardholder

To be eligible for the TD Aeroplan Visa Infinite Privilege, you need to fulfill the following requirements.

• You are a Canadian resident and are of the age of majority in your province/territory of residence.
• Have $150,000 annual personal income or $200,000 annual household income.
• Have a valid email address for digital transactions.
• You can be approved for a credit limit of at least $10,000.

If you are looking to apply for the TD Aeroplan Visa Infinite Privilege Card, follow the steps below once you navigate to the TD Bank website.

• Make sure you fulfill all eligibility requirements.
• Click “Apply” on the TD Aeroplan Infinite Privilege landing page.
• Review the terms and conditions and click “I Agree” to continue.
• Enter your full name, date of birth, phone number, email address and residential address.
• Fill out your employment status, annual income and confirm your residential status
• Review your information and submit your application.

There are several ways to access your TD credit account with the following services:

• EasyWeb (TD’s online banking interface)
• EasyLine (TD’s telephone banking interface)

There are several payment options that are built into the TD Aeroplan Visa Infinite Privilege Card that you can take advantage of.

• Set up regularly recurring bill payments on your account. Save time and avoid late fees by ensuring bills will always be paid on time automatically. Plus, earn 1.25 Aeroplan points for every dollar on regularly recurring bill payments on your account.
• Apple Pay. If you have an iPhone, just a tap of your device to make a payment at participating merchants.
• Samsung Pay. If you have a Samsung Galaxy phone, just a tap of your device to make a payment at compatible merchants.
• Google Pay. If you have an Android phone, make everyday purchases by just tapping your device at merchants that have Google Pay advertised.
• Add your Card as the primary card on your favourite apps. From food delivery to transportation apps, earn Aeroplan points on purchases made through those apps on your phone.

TD Aeroplan Visa Infinite Privilege vs. American Express Aeroplan Card

Both of these cards are travel-specific cards and carry similar earning potential: both cards earn two times the points on Air Canada purchases and 1.5 points per dollar for dining. Visa’s card comes ahead in terms of earnings, as its lowest base rate is 1.25 points compared to Amex’s 1 point.

Conversely, the American Express Aeroplan Card® carries a much lower annual fee of $120—while still offering various types of travel insurance. However, the TD Aeroplan Visa Infinite Privilege comes with more robust coverage, making the higher annual fee an investment with solid returns—so long as they are utilized.

TD Aeroplan Visa Infinite Privilege vs. CIBC Aeroplan Visa Infinite Privilege Card

As both of these cards come with identical benefits through the Visa Infinite Privilege program, this comparison comes down to the wire. Both cards carry a high $599 annual fee, but CIBC’s can have $139 of it rebated every year—so long as you open a CIBC Smart Plus Account.

Both cards have identical earning potential across tiers and categories (e.g. both offer 1.5 points for grocery spending), but TD’s Visa card comes with a higher welcome bonus amount. New customers can earn up to 85,000 Aeroplan points† in the first year. CIBC on the other hand, is currently offering up to 80,000 Aeroplan points in the first year.

Taking into account the fact that both have identical earnings but dissimilar welcome offers, rebate options and that TD’s equivalent has less stringent credit rating requirements, we think TD’s offering comes out slightly ahead.

TD Aeroplan Visa Infinite Privilege vs. TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite* card is TD’s travel card for those that don’t meet the stringent income requirements for the Visa Infinite Privilege. It comes with a much lower fee of $139 per year, but has limited earning potential: the top-tier earnings are 1.5 points per dollar compared to 2, and a base rate of 1 points per dollar compared to 1.25. Moreover, the lower-tier card carries less travel benefits coverage ( for example, $2 million medical insurance vs. $5 million). Another major difference is the lack of worldwide companion pass for $99 and up—that’s savings TD Aeroplan Visa Infinite cardholders are missing out on.

Setting aside the travel coverage and other benefits, if you’re simply looking for a card with a high net-earning potential without bells and whistles, TD’s Aeroplan Visa Infinite card is a good match.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, 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.

TD’s premium Visa travel card comes with substantial travel benefits for frequent flyers, but at a steep price. Its earning potential is high compared to competitors, but the price tag warrants use of the card’s additional benefits (e.g. travel insurance, companion pass) to increase its rate of return relative to costs. Consumers looking to earn Aeroplan points at a similar rate without the extra bells and whistles that accompany a high fee, will find other less-expensive cards more useful.

Related : Find the Best Credit Card for Canadians

Featured Partner Offer

Frequently asked questions (faqs), is the td aeroplan visa infinite privilege card worth it.

For some. If you’re a low spender who doesn’t travel often, I’d probably skip this card. However, it’s a must-have for frequent flyers. To make the best use of the card given its high fees, it’s best to utilize its many travel benefits, such as travel insurance, rental car insurance and the like.

Do you get lounge access with the TD Aeroplan Visa Infinite Privilege?

Yes. Cardholders have free access to Air Canada’s Maple Leaf Lounge. The primary cardholder also receives a complimentary membership to the Visa Airport Companion Program, allowing them to take six complimentary lounge visits—per year—at select airports†

What is the income requirement for the TD Aeroplan Visa Infinite Privilege?

The income requirements are $150,000 annual personal income or $200,000 annual household income, respectively.

*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.

† Terms and Conditions Apply

Brett Surbey is a corporate paralegal and writer based out of Alberta. His work has appeared in Publishers Weekly, Thrive Insider, and various academic journals. He lives with his wife and two children.

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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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• Personal Finance

The TD First Class Travel Visa Infinite Card and its travel insurance benefits

Insurance Coverage

First, it is very important to read the most recent version of the TD First Class Travel Visa Infinite Card Benefits Coverage Guide .

They can change at any time and it is your responsibility to be aware of these insurance benefits .

If you have any questions, please contact TD Customer Service at 1-866-374-1129 . It is strongly recommended that you call them before booking travel with your card and before you leave on your trip.

Eligibility

Travel insurance coverage is only available to :

• Primary cardholder
• Spouse and dependent children of the primary cardholder
• Additional cardholder
• Spouse and dependent children of the additional holder

In addition, the card account must be in good standing . This means:

• The Primary Cardholder has not asked TD to close the Account
• TD has not suspended and revoked credit privileges or closed the account

Eligibility Tool

To make it easier to understand the insurance coverage of its credit cards, TD has put together an interactive tool on travel insurance . In 6 questions, you can quickly find out if you qualify or not, when you pay in full for the trip in cash.

TD First Class Travel Visa Infinite Card Description

Travel medical insurance.

The maximum benefit for emergency medical care is $2,000,000. To be eligible, you only need to have the card, as per the Eligibility section above. This includes the following inclusions:

• Hospitalization
• Physician’s fees
• Private nursing
• Diagnostic services
• Ambulance and air ambulance services
• Prescription drugs
• Accidental dental and emergency relief of dental pain
• Medical Appliances
• Emergency return home
• Transportation to the bedside and compensation for the bedside companion
• Compensation for the travel companion
• Meals and accommodation
• Incidental hospital expenses
• Vehicle return
• Repatriation of deceased
• Baggage return

Trip cancellation and trip interruption insurance

To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card and/or TD Rewards points.

A trip cancellation occurs before departure .

A trip interruption occurs on or after the departure date when the trip has begun .

Eligible reasons may be:

• The death of an insured person or an immediate family member
• A sudden, unexpected illness or accidental injury to a person or a member of his or her immediate family
• A natural disaster at the insured person’s principal residence
• Weather conditions during the trip

Common Carrier Travel Accident Insurance

To be eligible for this insurance, you must:

• Privileges under your account have not ceased or been suspended
• The account is not more than 90 days past due
• And the TD credit card must be in good standing

A common carrier is a land, air or water conveyance that is authorized to carry passengers for compensation. This can be a :

• Ferry or Cruise ship
• Bus or Train
• Cab or Limousine

If there is an accidental death or dismemberment, the maximum benefit is $500,000 .

Delayed and Lost Baggage Insurance

In order to benefit from this insurance, the credit card must have been used to pay 100% of the airfare .

Flight and travel delay insurance

To benefit from this insurance, at least 75% of the cost of your trip must be charged to the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card .

The reason for the delay may be due to weather, an outage or a strike for example.

This flight or travel delay insurance can be up to $500 , for a delay of 4 hours or more .

Hotel/Motel Burglary Insurance

This is for hotel and motel reservations in Canada and the United States only. At least 75% of the total cost of the stay must be charged to the card. The use of TD Rewards points is also valid under certain conditions.

The maximum amount is $2,500 .

Collision and damage insurance for rental vehicles

• Pay for the car rental at the rental agency with the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card MD (payment with TD Rewards points is accepted, under certain conditions).
• Refuse to purchase the Collision Damage Waiver (CDW ) or an equivalent coverage from the rental agency and have it written into the contract

The car rental covers up to 48 consecutive days and the manufacturer’s suggested retail price (MSRP) of the car must be under $65,000 . Some types of vehicles are not insured.

Purchase Assurance and Extended Warranty Protection

Purchase insurance covers items purchased with the ® Visa Infinite* Card" href="https://milesopedia.com/en/credit-cards/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card for 90 days from the date of purchase . If the item is lost, stolen or damaged, it will be replaced or repaired with this insurance.

Extended warranty protection extends the manufacturer’s warranty up to one year . It begins after the manufacturer’s warranty expires and the item must be purchased with the Card.

Mobile Device Insurance

Did your new smartphone or tablet have a major accident and stop working? Mobile device insurance can come to the rescue, up to a maximum of $1,000 in reimbursement!

To qualify, at least 75% of the total cost of the device must be charged to the TD First Class Travel Visa Infinite Card. Under certain conditions, insurance is also eligible if the total cost of the device is financed through a plan with monthly payments .

Emergency travel assistance services

It is not really an insurance, but rather a help to solve a problem during a trip in unknown land. They do not offer payment or refunds. They are more of a medical second opinion or will tell you what to do if you don’t know what to do when you are in total panic.

The phone number is 1-800-871-8334 for Canada or the United States. Or if you are in another country: 1-416-977-8297 (collect).

This phone line can be useful for the following situations:

• Medical consultation and follow-up
• Medical emergency travel and medical referrals
• Payment to medical service providers
• Assistance in case of lost luggage
• Legal assistance
• Replacement of lost tickets and documents
• Translation Services
• Emergency transfer of funds

What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card

You must call 1-866-374-1129 , within the time frame following the date the event occurred.

In summary, here are the various insurance coverages of the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card :

Bottom Line

In addition to all this insurance to prevent inconvenience, the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card has a very profitable welcome offer from TD Bank .

With all these points, you can afford to get a stay that will not cost much. This is in addition to his annual TD Travel Credit of $100 for Expedia for TD bookings of $500 or more.

To save on travel and insurance, this is a secret card to have in your wallet!

All posts by Caroline Tremblay

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TD Double Up Card Review: 2% Back, but Only in Certain States

The card’s rich 2% back and bonus make it a good flat-rate cash-back card. But it's inaccessible to more than half of the U.S.

• No annual fee
• Intro APR period
• Cash rewards
• No bonus categories
• Must be a member/customer
• Not available in most states

20.24%, 25.24% or 30.24%, Variable

0% Intro APR on Balance Transfers for the first 15 billing cycles

Rewards rate

Bonus offer

Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.

Ongoing APR

APR: 20.24%, 25.24% or 30.24%, Variable

Cash Advance APR: 30.49%, Variable

Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater

Foreign transaction fee

• Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
• Earn unlimited 2% Cash Back on all eligible purchases
• No reward categories, no caps, no worries.​
• Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
• Contactless Payments/Digital Wallet
• Instant credit card replacement
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.

Compare to Other Cards

Detailed review: TD Double Up℠ Credit Card

The TD Double Up℠ Credit Card features rewards that are hard to beat: 2% cash back on all purchases. Even compared with other members of the 2% flat-rate cash back club, this card excels, thanks to its sign-up bonus and introductory APR offer on balance transfers.

But because of TD Bank ’s relatively small footprint, you're eligible to open an account only if you live in one of a handful of states. It's possible to find similar cards with lucrative rewards and features, without geographic restrictions.

TD Bank also issues the TD Cash Credit Card , which earns bonus rewards in your top two spending categories. But it, too, requires that you live in one of a handful of U.S. states.

» MORE: NerdWallet's best cash-back credit cards

TD Double Up℠ Credit Card : Basics

Card type: Cash back .

Annual fee: $0 .

Sign-up bonus: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.

Rewards: Unlimited 2% cash back.

Redemption options: Technically, this card earns points, not direct cash back. But those points can be redeemed for cash back, gift cards and travel at a value of 1 cent per point. Points can also be redeemed for merchandise, although point values will vary with that option. You’ll need a minimum of 2,500 points to redeem for cash back.

Interest rate: 0% Intro APR on Balance Transfers for the first 15 billing cycles after Account Opening, and then the ongoing APR of 20.24%, 25.24% or 30.24%, Variable .

Balance transfer fee: $5 or 3% of each transfer, whichever amount is greater.

Foreign transaction fee: 3%.

The TD Double Up℠ Credit Card comes in two potential versions: a Visa Signature and Visa Platinum. While both versions offer the same rewards, applicants who are approved for a credit limit of $5,000 or greater will receive the Signature version, which comes with Visa Signature benefits .

» MORE: What to know about minimum redemption requirements

Benefits and perks

High rewards rate on everything.

The TD Double Up℠ Credit Card earns 2% back on all purchases, which is a great rate. Plus, there's no cap on spending or rewards, meaning that no matter how much you spend on the card, you'll earn the same rate on all purchases. And because you’ll earn cash back no matter what you use the card for, you won't have to keep track of multiple or rotating bonus categories, like more complex cash back cards might require.

Generous introductory offers

Few cards that earn 2% back come with a bonus, which makes the TD Double Up℠ Credit Card 's welcome offer stand out. New card members can get the following: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening.

The card also comes with an interest-free period on balance transfers, another perk that not many similar cards in the field offer. It features a 0% Intro APR on Balance Transfers for the first 15 billing cycles after Account Opening, and then the ongoing APR of 20.24%, 25.24% or 30.24%, Variable . This is a lengthy window of time that you can use to pay down transferred debt, interest-free.

» MORE: NerdWallet's best balance transfer cards

Drawbacks and considerations

Eligibility is limited to certain states.

The TD Double Up℠ Credit Card isn't available to all consumers in the U.S. To be eligible to apply for the card, you’ll have to live in one of the following states:

Connecticut.

Massachusetts.

New Hampshire.

New Jersey.

North Carolina.

Pennsylvania.

Rhode Island.

South Carolina.

Washington, D.C.

That small footprint is a big obstacle. If you don’t live in any of the above Eastern states or D.C., you're out of luck.

You could instead consider the $0 -annual-fee Wells Fargo Active Cash® Card . It earns an unlimited 2% back on all purchases. Plus, it features an introductory APR offer for both purchases and balance transfers: 0% intro APR on Purchases for 15 months and 0% intro APR on Balance Transfers 15 months from account opening on qualifying balance transfers, and then the ongoing APR of 20.24%, 25.24%, or 29.99% Variable APR .

And it, too, comes with a bonus for new cardmembers: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.

Other cards earn more

The TD Double Up℠ Credit Card offers a simple way to earn high rewards on every purchase. But if you're willing to keep track of tiered or rotating rewards, there are cards that offer higher cash-back rates. The Chase Freedom Flex℠ , for example, earns 5% cash back in quarterly bonus categories that you activate, on up to $1,500 in spending per quarter. Plus, you'll earn 3% back on dining and drugstore purchases. (All other non-bonus-category spending earns 1% back.) It also comes with an introductory interest-free period on purchases, as well as a bonus for new cardholders: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Earn 5% cash back in quarterly bonus categories that you activate, on up to $1,500 in spending per quarter (and 1% on all other spending). It also comes with the following sign-up bonus: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. The annual fee is $0 .

How to decide if it's right for you

The TD Double Up℠ Credit Card has a rich 2% ongoing rate and a sign-up bonus, making it a good option for uncapped rewards among flat-rate credit cards — as long as you live in a state where the card is available.

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
• Best cash back credit cards

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

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Which Credit Cards Have the Best Insurance for Seniors?

Insurance coverage offered by credit cards often doesn’t get the same attention as a card’s other benefits. However, it’s an important element to be aware of, particularly for travellers over the age of 65.

While some insurance coverage is fairly comparable among credit cards within the same tier, this isn’t the case when it comes to emergency medical coverage, which can differ dramatically between the cards.

In this guide, we’ll outline the best options for securing coverage for you or your loved ones.

Emergency Medical Care Outside of Your Province of Residence

Before delving into the cards themselves, it’s important to go over what this insurance covers, and to establish a baseline of the lower-end of what you can expect in terms of coverage.

Emergency medical care insurance coverage is designed to reimburse you for a certain dollar amount in the event that you’re injured or experience a medical emergency while travelling outside your home province.

This coverage becomes even more relevant if you’re travelling internationally, where it may be more difficult to navigate and understand the local medical system and its costs.

With coverage, not only do you have peace of mind when you travel, but you can also prioritize getting care without worry, should you run into some bad luck.

As we mentioned above, the emergency medical care coverage can vary considerably across different credit cards; therefore, to establish a baseline from which to compare, let’s first look at the coverage offered by two popular cards.

Our first example, the American Express Cobalt Card, offers emergency medical coverage for the first 15 consecutive days of your trip if you’re 64 years old or under; however, once the cardholder turns 65, there’s no coverage at all.

Looking at higher-end cards, the TD Aeroplan® Visa Infinite Privilege* Card offers emergency medical coverage for an incrementally better four days if you’re 65 or older.

As we can see, neither of these cards offers much in the way of emergency medical coverage for travellers over 65.

Therefore, you’ll want to consider a credit card that provides the best insurance for anyone travelling in their golden years.

As always, be sure to read the card’s insurance booklet to understand what’s covered in your specific situation. If you ever have any questions, reach out to the card issuer to confirm what’s included.

National Bank World Elite Mastercard

In Canada, the gold standard of insurance coverage is set by the National Bank World Elite Mastercard. Travellers over 65 years old are covered for up to 15 days when travelling out of province. The coverage lasts until you turn 76, at which point you’re no longer covered.

It’s also important to note that if you have a pre-existing illness or injury or if there have been changes to your health within six months of your departure date, you won’t be covered if you suffer an accident directly or indirectly related to the pre-existing condition.

If you qualify for coverage, National Bank will cover you up to $5,000,000 for emergency medical care if you end up needing it.

We consider the National Bank World Elite Mastercard as the best credit card for insurance in Canada. If you make a booking with points, you’ll also be covered, which is another one of the card’s mainstay features.

• Earn 5 x rewards points on grocery and restaurant spend
• Get travel insurance on award travel, as well as medical coverage on longer trips for ages up to 75.
• Receive $150 in annual credits for airport parking, baggage fees, seat selection fees, lounge access, and airline ticket upgrades
• Minimum income: $80,000 personal or $150,000 household
• Annual fee: $150

HSBC World Elite Mastercard

The HSBC World Elite Mastercard has historically been another staple in Canadians’ wallets, due to its lack of foreign exchange fees. However, following the announcement that RBC would acquire HSBC, the card has subsequently been closed to new applications as of October 2023.

It’s unclear what the future holds for this and other HSBC cards, but if you’re currently a cardholder, then it’s business as usual until we hear otherwise.

This is good news, as the HSBC World Elite Mastercard also has quite a generous policy when it comes to emergency medical coverage for seniors.

For people 65 years of age or older, you receive emergency medical coverage for up to 21 consecutive days after you leave your province of residence. This is an improvement over the length of coverage from the National Bank World Elite Mastercard, and there’s no upper limit specified for age, which is outstanding.

While HSBC has a more favourable inclusion list, the insurance coverage is less, at $2,000,000 instead of the $5,000,000 offered by National Bank.

Combined with no foreign transaction fees, competitive earning rates, and generous insurance policy for seniors, it’s no wonder the HSBC World Elite Mastercard was such a popular choice among Canadians.

Desjardins Odyssey Visa Infinite Privilege

A less talked about card that deserves a spot on this list is the Desjardins Odyssey Visa Infinite Privilege Card, which has a similar insurance structure to the National Bank World Elite Mastercard.

If you’re 65 or older, you’re eligible for emergency medical coverage for up to 15 days from when you leave the province in which you reside. However, once you turn 76, you would no longer be eligible for any coverage.

You’ll be covered up to a maximum of $5,000,000 per person, excluding situations where you have a pre-existing condition, in which case, you won’t be covered if your accident while travelling is related to said condition.

Note that your pre-existing condition window goes back 182 days from date of departure.

Unlike the other cards on this list, the Desjardins Odyssey Visa Infinite Privilege is a cash back card, rather than a travel-focused card. It has an annual fee of $295 (CAD) for members, or $395 (CAD) for non-members, which is a fairly steep fee to pay.

• Earn  4% cash back  on restaurant purchases
• Earn  3% cash back  on grocery and travel purchases
• Earn  1.75%   cash back  on everything else
• Access DragonPass airport lounges with six complimentary visits
• Best in-class medical and travel insurance coverage
• Minimum income: $200,000 household
• Annual fee: $395

CIBC Aeroplan® Visa Infinite Privilege* Card

When it comes to emergency medical coverage, especially for those older than 65, the CIBC Aeroplan® Visa Infinite Privilege* Card comes out ahead of its premium Aeroplan co-branded credit card counterparts.

The CIBC Aeroplan® Visa Infinite Privilege* Card offers 10 consecutive days of coverage for people 65 or older, which is more than its TD counterpart’s four days of coverage.

As usual, pre-existing conditions exclude you from coverage if your emergency is related or indirectly related to your existing condition.

However, keep in mind that unlike the National Bank World Elite Mastercard or the Desjardins Odyssey Visa Infinite Privilege Card, there’s no specified age maximum for coverage. Therefore, you’ll still be eligible for insurance, even if you’re over the age of 76.

This card is a great addition to your wallet if you tend to make shorter trips away from home, and want to remain in the Aeroplan ecosystem.

You’ll also enjoy benefits like lounge access, priority services, and a free checked bag when travelling with Air Canada.

• Earn 20,000 Aeroplan points upon first purchase †
• Earn 30,000 Aeroplan points upon spending $15,000 in the first four months †
• Plus, earn an anniversary bonus of  30,000 Aeroplan points upon renewing the card for a second year, after having spent at least $25,000 in the first year †
• Earn 2x Aeroplan points on Air Canada purchases †
• Earn 1.5x Aeroplan points on gas, groceries, dining, food delivery, electric vehicle charging, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge access †
• DragonPass membership with six free lounge visits per year †
• NEXUS application credit †
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

While most credit cards don’t offer travel insurance coverage for travellers over the age of 65, and even fewer cover those who are 76 and older, there are still a few standout cards that extend emergency medical protection to travellers in their golden years.

Having emergency medical coverage while you’re travelling is an important way to stay safe and healthy, and to provide yourself and your loved ones with peace of mind.

No matter your age, there’s a card out there that will extend some sort of coverage to you, so make sure to keep that in mind before embarking on your next adventure.

• Earn 80,000 MR points upon spending $15,000 in the first three months
• Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
• And, earn 1.25x MR points on all purchases
• Also, receive a $200 annual travel credit
• Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
• Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
• Credits and rebates for business expenses throughout the year with Amex Offers
• Bonus MR points for referring family and friends
• Qualify for the card as a sole proprietor
• Annual fee: $799

Go through the insurance with a highlight marker, and then mark your concerns. Get answers to your questions before you go. For pre-existing conditions, some only allow them to be stable for 3 months beforehand, others 6 months.

Thanks for the article

Speaking as a senior, I would never rely on a credit card for emergency medical travel insurance. Most seniors are on some sort of medication and/or have pre-existing conditions. Most travel insurance, both CC and private, has a long list of conditions and exclusions. You usually only find out about them AFTER you make a claim.

If you’re concerned about emergency medical situations when you travel outside Canada, then find a travel insurer who will cover you without excluding pre-existing conditions or at least make sure they tell you beforehand what you’re actually covered for based on your specific medical conditions. Naturally, expect to pay more, perhaps a lot more, than younger people for coverage that you can actually rely on should you need it.

Otherwise you’re just gambling.

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