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TD Travel Credit Cards in Canada

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TD First Class Travel® Visa Infinite* Card

Annual Fee $139
Interest: Purchases 20.99%
Interest: Cash Advances 22.99%
Additional Cardholder 2 $50

$50 for the first Additional Cardholder; $0 for subsequent Additional Cardholders.

$60,000 personal or $100,000 household annual income.
You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to $800 in value 18 including up to 100,000 TD Rewards Points, no Annual Fee for the first year 1 and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
Earn a Birthday Bonus of up to 10,000 TD Rewards Points 22 .
Get an annual TD Travel Credit 23 of $100 when you book at Expedia ® For TD.
Get an Annual Fee Rebate for the first year 1 .

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

At a glance

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Your Card also allows you to enjoy:

An annual TD Travel Credit 23 of $100 when you book at Expedia ® For TD.
TD Rewards Birthday bonus 22 that helps you celebrate in style.
An extensive suite of travel insurance coverages which helps you travel prepared.
No travel blackouts 5 , no seat restrictions 5 and no expiry 25 for your TD Rewards Points as long as your account is open and in good standing.

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21 plus earn an annual Birthday Bonus 22 of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Redeem your TD Rewards Points how you want, for what you want

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

Go Places on Points Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3 your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 : You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
Financial Rewards Pay With Rewards: Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

Explore the travel benefits and insurance coverages included with your Card:

$100 TD Travel Credit 23 Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
Common Carrier Travel Accident Insurance 10 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool .
Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the Benefit Coverages Guide for more details.

Additional Benefits & Features

TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply. Learn more .
Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14 in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14 internationally, on qualifying car rentals at participating Avis and Budget locations.
Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted - These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ® Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
Chip & PIN technology: TD Visa * Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile. Learn more .
Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card. Learn more .

Optional Benefits

Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call 1-866-315-9069 or visit tdcanadatrust.com/BP .
Option to purchase TD Auto Club Membership 16 and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ® for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite * Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of March 5, 2024 unless otherwise indicated and subject to change.

$189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
$100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
$50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
Additional Bonus of 80,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $400);

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5 Subject to carrier/space availability.

6 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

7 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

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

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

15 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16 TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17 Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19 Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

20 Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”). Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21 Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

22 The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25 TD Reward Points do not expire as long as you are a Cardholder.

26 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27 You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions , including third-party suppliers’ terms and conditions. The Visa Infinite privacy policy applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.

Customer Service

TD First Class SM Visa ® Signature Credit Card

Earn 3x miles on travel and dining purchases, plus up to 25,000 bonus miles.

Travel rewards – Earn triple miles on travel and dining

TD First class visa signature credit card for travel rewards

Compare TD cards >

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

Offer details, rates, fees and terms

Bonus miles offer.

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

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

Rewards details

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

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

Rates and fees

Need more information?

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

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

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

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

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

Credit Card FAQs

Manage your card, security you can count on.

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

Managing your account is easy

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

Redeem your rewards

Visit the td first class rewards site >.

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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.

A woman who used the TD First Class Visa Infinite to book travel walks on a busy city street.

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.

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

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

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

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

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

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

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

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

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

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

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

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TD First Class Travel® Visa Infinite* Card review

Welcome Offer Ends Jun 3, 2024

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

Rates & Fees

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

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

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

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

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

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

USD The annual fee is in USD

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

20.99% Purchase APR APR for purchases 20.99%†

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

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

Good Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

By Tyler Wade & Scott Birke

Updated: April 23, 2024

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Who's the TD First Class Travel® Visa Infinite* Card for?

A travel lover who wants to accumulate points fast on everyday spending without any loyalty to a particular brand of store, but ideally can be loyal to TD Bank and their booking portal Expedia For TD to find the best travels deals.

TD First Class Travel® Visa Infinite* Card Welcome bonus

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

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

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

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

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

Good base earn rate on all purchases

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

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

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

Does not provide free lounge access

Charges foreign transaction fees

How to earn TD Points with the TD First Class Travel Visa Infinite

Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†
Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
Earn 2 TD Rewards Points For every $1 you spend on other purchases made using your card†

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

How to redeem your TD Points

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

1. Book Any Way†

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

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

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

Expedia® For TD

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

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

2. Other redemption paths

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

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

TD First Class Travel Visa Infinite key benefits

Excellent welcome bonus of up to $800 in value, including up to 100,000 TD Rewards Points and no annual fee for the first year.
High earn rate on travel, groceries and restaurants, and recurring bills without loyalty to a particular store
Comprehensive travel insurance

TD First Class Travel Visa Infinite travel insurance and other protections

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

TD First Class Travel Visa Infinite extra benefits

$100 annual travel bonus
Mobile device insurance
Earn more at Starbucks when you link your card
Save a minimum of 10% with Avis and Budget in Canada and the U.S. (5% savings elsewhere)
Apple pay, Google Pay, or Samsung Pay to instantly use your credit card.
Complimentary Visa Infinite Concierge 24/7 for any cardholder request
Visa Infinite Luxury hotel collection, dining series, wine country, and entertainment access.

What people have to say about the TD First Class Visa Infinite

Redditor, alwaysdetermined points out that yes, the annual fee can be waived with TD's All Inclusive but notes "the All-Inclusive costs $29.95, but that account fee can be waived if you keep $5,000 in the account at all times."

Reddit user, SensitiveAward , has the card, says they travel multiple times a year and is please with the insurance coverage saying "TD [credit card] comes out cheaper" when comparing it to third-party travel insurance products.

However, some users say the Expedia For TD prices are higher than regular Expedia rates, so be sure to cross reference the two portals before booking (and clear your internet cache or browse in incognito to prevent tracking)

TD First Class Visa Infinite eligibility requirements, fees, and rates

Minimum income: $60,000 individual and $100,000 household annual income
Foreign transaction fee: 2.5%
Annual fee: $139, $50 for each additional cardholder (fees can be waived with TD's All inclusive banking plan)

How does TD First Class Visa Infinite compare?

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

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

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD, want to avoid the foreign transaction fees and want free airport lounge access.

TD First Class Travel Visa Infinite vs. Scotiabank Gold American Express® card

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

TD First Class Travel Visa Infinite vs. BMO Ascend™ World Elite®* Mastercard®*

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

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.*

Is the TD First Class Travel Visa Infinite worth it?

Yes, for its welcome bonus alone it's a great card. You'll also get a first year annual fee rebate, high earn rate in everyday spending, 10% annual birthday bonus, a $100 annual travel credit, and comprehensive travel coverage.

Is TD First Class Travel good?

Yes, especially if you're a TD client. You can't lose with its awesome welcome bonus, high earn rate in everyday spending, special perks like its birthday bonus and $100 annual travel credit (nearly negating its annual fee), and full suite of insurance coverage.

Does TD First Class Travel have lounge access?

No, there is no airport lounge access with the TD FIrst Class Travel Visa Infinite. Check out the BMO Ascend or Scotiabank passport for cards with similar annual fees that include airport lounge access .

What does TD First Class Travel Cover?

It's the full suite of travel insurance as well as purchase protection and rental car. Check out all the details in the TD First Class Travel review insurance section.

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

Scott Birke is a finance editor at Money.ca.

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

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

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

$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.

TD First Class Travel Visa Infinite Card Review

By Stefani Balinsky | Published on 20 Jul 2023

TD First Class Travel Visa Infinite Review

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

Welcome Offer

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

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

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

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

TD First Class Travel ® Visa Infinite * interest rates

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

The TD First Class Travel ® Visa Infinite* points calculator

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

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

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

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

Earn points on the little things

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

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

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

Redeeming your TD points

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

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

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

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

What is Expedia for TD?

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

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

TD First Class Travel ® Visa Infinite* insurances

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

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

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

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

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

Travel emergency medical insurance

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

Trip cancellation/interruption insurance and flight/trip delay

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

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

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

Delayed or lost baggage insurance

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

Common carrier accident insurance

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

TD First Class Travel ® Visa Infinite* and auto rentals

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

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

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

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

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

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

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

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

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

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

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

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

TD First Class Travel ® Visa Infinite* Rating

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

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

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

Stefani Balinsky

Book Travel
Credit Cards

TD First Class Travel® Visa Infinite* Card

Application must be approved by June 3, 2024 to receive this offer

Signup bonus:, annual fee:, interest rates:, earning rate:.

The TD First Class Travel ® Visa Infinite * Card is one of the most popular credit cards that allows you to earn points in the bank’s proprietary TD Rewards program.

With regular high-volume welcome bonuses, a strong return on travel purchases booked through Expedia, and a competitive insurance package, the TD First Class Travel ® Visa Infinite * Card is a solid choice to incorporate into your TD credit card strategy.

Bonuses & Fees

Until June 3, 2024, the TD First Class Travel ® Visa Infinite * Card is offering up to 100,000 TD Rewards Points † as a signup bonus, distributed as follows:

20,000 TD Rewards Points upon first purchase †
80,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †

Additionally, as an annual birthday perk, you can earn 10% of the TD Rewards Points earned in the previous 12 months back on your birthday. † This perk is limited up to 10,000 TD Rewards Points per year. †

This offer is down from the best-ever offer for up to 135,000 points we’ve seen on this card. However, it’s still a great option for those who are looking for the best cash deals, or who want more flexibility with your points, since TD Rewards Points can be redeemed against cash travel bookings.

The card has an annual fee of $139, which is currently rebated for the first year. † To be eligible for the first-year annual fee rebate, you must activate your card and make your first purchase within three months of account opening.

Additionally, holding a TD Unlimited or All-Inclusive chequing account will also waive the annual fee on one TD credit card of your choice, including the TD First Class Travel ® Visa Infinite * Card, on an ongoing basis.

Supplementary cards cost $50 apiece, † and the current first-year fee annual fee rebate also applies to the first supplementary cardholder. † To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

To be eligible for this offer, you must apply and be approved for the card by June 3, 2024.

Earning Rewards

The card’s earning rates are as follows:

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

Since TD Rewards Points can be redeemed optimally at a value of 0.5 cents per point, this is equivalent to a 4%, 3%, 2%, or 1% return, respectively.

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® .

You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You’d apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point.

If you’d rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD First Class Travel ® Visa Infinite * Card. However, the rate isn’t quite as competitive at 250 points = $1, or 0.4 cents per point.

Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point.

Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value.

TD Rewards Points never expire as long as you’re a cardholder. † If you cancel or switch your card to a different product, you’ll have 90 days’ time to redeem your TD Rewards Points before they go away.

However, you’ll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you’ll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

TD First Class Travel ® Visa Infinite * cardholders are eligible to earn a $100 credit † on accommodations and vacation packages booked through Expedia ® for TD. † This benefit is available annually to cardholders, and notably does not include flights. However, it certainly helps to offset the $139 annual fee that the card commands, beginning in the second year.

Cardholders can also get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As one of TD’s flagship travel rewards credit cards, the TD First Class Travel ® Visa Infinite * Card offers a strong set of insurance provisions.

The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+. †

There’s also trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, up to a maximum of $5,000 and $25,000 per trip, respectively. †

While flying, cardholders are covered for up to $500 in flight delay insurance and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. †

And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. †

Lastly, it also comes with Mobile Device Insurance. By paying for your smartphone, tablet, or smartwatch using your TD First Class Travel Visa Infinite Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

Historical Offers

Legal disclaimers.

†Terms and conditions apply. TD Bank is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

As a Visa Infinite* product, this credit card has a minimum personal annual income of $60,000 or a minimum household income of $100,000 to be eligible. You must also be a Canadian resident, and the age of majority in your province/territory of residence. Follow the link below to the TD website to learn more about this card and submit an application.

I had applied to this card in August 2022 and received the Welcome Bonus. I eventually cancelled the card in May 2023 after travelling with the TD Expedia points. For 10 months the account was open. It has been 9 months since I closed the TD First Class Travel Visa Infinite Card. Do you think the chances of receiving the Welcome Bonus again is high or low? According the terms and conditions, it has not been 12 months since I closed the account, so I may not be granted the Welcome Bonus. I am concerned they will grant me the card but hold back the Welcome Bonus. Does anyone have any experience to share regarding this situation?

Looks like a conceivable way to help supplement the cost of theme park tickets in a few places! If only I knew the tickets were easy to use …. say at Disney World. Data points are mixed.

This offer for Quebec used to be no MSR, just keep account open for 90 days, but now it also requires MSR of $1500.

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TD First Class Travel vs TD Aeroplan: How to Choose

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

What is TD Aeroplan?

What is td first class travel.

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

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

TD offers four Aeroplan credit cards:

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

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

Aeroplan rewards

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

TD Aeroplan Visa Infinite Card

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

TD Aeroplan Visa Platinum Card

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

TD Aeroplan Visa Infinite Privilege Card

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

TD Aeroplan Visa Business Card

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

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

Pros of TD Aeroplan

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

Cons of TD Aeroplan

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

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

TD First Class Travel rewards

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

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

Pros of TD First Class Travel

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

Cons of TD First Class Travel

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

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

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

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

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

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

TD® Aeroplan® Visa Infinite* Card

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

TD® Aeroplan® Visa Platinum* Card

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

TD® Aeroplan® Visa Infinite Privilege* Credit Card

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

TD® Aeroplan® Visa* Business Card

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

About the Author

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

13 Best Aeroplan Credit Cards in Canada for 2024

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

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

TD First Class Travel ® Visa Infinite* Card 🇨🇦

2X points on all purchases
Premium Insurance
Visa Infinite Benefits

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

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

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Earn 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD †
Earn 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
Earn 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

An extensive suite of travel insurance coverages which helps you travel prepared
No travel blackouts † , no seat restrictions † and no expiry † for your TD Rewards Points as long as your account is open and in good standing.

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .

Card Awards

Fees & conditions.

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 100,000 TD Points † and a first year annual fee rebate :

Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card †
A Birthday Bonus of up to 10,000 TD Rewards Points †
Get an Annual Fee Rebate for the first year † .

With the TD First Class Travel® Visa Infinite* Card, you get:

8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD
6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
2 TD Rewards Points † For every $1 you spend on other Purchases

This TD credit card is one of the best TD travel rewards cards.

TD Best Credit Cards - April 2024
The Best Travel Credit Cards - May 2024
Best Visa Credit Cards - April 2024
Canada's Best Credit Card Offers - May 2024
Expedia For TD: How To Redeem TD Rewards Points?

Alternative Cards

Great Welcome Offer
Air Canada Benefits
NEXUS Credit
Card Details

Earn up to $1,200 in value † , including up to 50,000 Aeroplan points † (enough for a round trip to New York City † ) and additional travel benefits. Account must be approved by June 3, 2024.

Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card †
Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening †
Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening †
Enroll for NEXUS and once every 48 months get an application fee rebate †
Plus, share free first checked bags with up to 8 travel companions †
Earn 1.5 points † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations ® ) made with your card
Earn 1 point † for every $1 spent on all other Purchases made with your Card
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Your Aeroplan Points do not expire as long as you are a TD ® Aeroplan ® Visa Infinite* Cardholder in good standing.
Earn big rewards on the little things : Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks ® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks ® Rewards account. Conditions apply.
Earn Aeroplan Points on your everyday purchases
Redeem your points for travel and more.
Take advantage of an extensive suite of travel insurance † .
Travel lightly through the airport and save on baggage fees † : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
Complimentary Visa Infinite Concierge † : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
Visa Infinite Luxury Hotel Collection † : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

† Terms and conditions apply.

Primary card $139
Additional card $75
Individual $60,000
Household $100,000
Purchase Rates 20.99 % 20.99 % (QC)
Cash Advance Rates 22.99 % 20.99 % (QC)
Balance Transfer Rates 22.99 % 20.99 % (QC)
The Best Aeroplan Credit Cards in Canada - April 2024
Groceries 1.5 Aeroplan Points
Gas 1.5 Aeroplan Points
Air Canada 1.5 Aeroplan Points
Year 1 $1,425
Year 2+ $425
Annual Credit
VIP Lounges
Travel credit
4.5X points on grocery and restaurants purchases†
Purchase Insurance

Earn up to $370 in value † , including up to 50,000 TD Rewards Points † and no Annual Fee for the first year † . Conditions apply. Account must be approved by September 3, 2024.

Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card † .
35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening † .

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.

Earn 6 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD † .
Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account † .
Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card † .
Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks ® and more.
Booking your travel through Expedia ® For TD † to maximize the TD Rewards Points you can earn on your travel purchases.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

†Terms and conditions apply.

Primary card $89
Additional card $35
Individual $0
Household $0
Groceries 4.5 TD Rewards Points
Dining and Food delivery 4.5 TD Rewards Points
Recurring Payments 3 TD Rewards Points
Year 1 $647
Year 2+ $219
3% cash back on groceries and gas

Earn up to $500 in value † , including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 † . Conditions apply. Account must be approved by June 3, 2024.

Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made † .

Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases † , and on regularly recurring bill payments † set up on your account
Earn 1% Cash Back Dollars on all other Purchases made with your Card †
Earn Cash Back Dollars on every eligible purchase.
Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours! †
Your Cash Back Dollars never expire as long as your account is open and in good standing
Emergency Road Services with Deluxe TD Auto Club Membership
Complimentary Visa Infinite * Concierge service † available 24/7
Mobile Device Insurance †
Additional card $50
Canada's Best Cash Back Credit Cards - May 2024
Groceries 3 %
Recurring Payments 3 %
Year 1 $969
Year 2+ $341

Credit Cards

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.

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Best Hotel Credit Cards In Canada For May 2024

Updated: May 1, 2024, 10:25am

Fact Checked

Even if you only travel on occasion, hotel credit cards can unlock benefits usually reserved for frequent flyers. These perks include generous welcome bonuses , travel discounts, complimentary hotel services and flexible redemption options. Though there aren’t as many hotel branded credit cards available in Canada when compared to the U.S., many airline and, more generally, travel credit cards also have many hotel perks along with their travel benefits, making these credit cards that much more flexible for the Canadian consumer. This is why with so many more choices as to what constitutes a hotel credit card, we’ve ranked the best hotel credit cards in Canada to help you get the most rewards value for every dollar you spend.

Feature Partner

Best Hotel Credit Cards in Canada for May 2024

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TD First Class Travel Visa Infinite

RBC Avion Visa Infinite

The platinum card® from american express, here’s a summary of the best hotel cards, methodology, best hotel credit cards in canada, what are hotel rewards, how do hotel credit cards work, main benefits of hotel credit cards, what are credit card hotel points, major hotel loyalty programs, how to pick the right hotel credit card, who should get a hotel credit card, how to maximize hotel credit cards, frequently asked questions (faqs), advertiser's disclosure.

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Best Airport Lounge Access Credit Cards
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On American Express’s Secure Website

Welcome Bonus

Up to 80,000 Marriott Bonvoy® Points

Regular APR

Up to 15,000 Membership Rewards Points

Scotiabank Gold American Express® Card

On Scotiabank’s Secure Website

Up to 40,000 Scene+ points

The Scotiabank Gold American Express® Card gets the top spot on our list for its accelerated earn rates, generous welcome bonus and flexible redemptions on hotels and travel. It also waives foreign transaction fees when you’re spending abroad (most cards charge 2.5%).

Earns Scene+ rewards on every purchase
No foreign transaction fees
Built-in travel insurance
American Express perks like Amex Front Of The Line
$120 annual fee
Amex is not accepted at all locations
Welcome bonus of up to 40,000 Scene+ points (Earn 20,000 points by making at least $1,000 in the first three months, get 20,000 points when you spend at least $7,500 in your first year). Must open card by October 31, 2023 to qualify.
Earn 6 Scene+ points per dollar spent at select grocery stores including Sobeys, Safeway, FreshCo and Foodland.
Earn 5 Scene+ points per dollar spent at other grocery stores, restaurants and on food delivery and entertainment.
Earn 3 Scene+ points per dollar spent on gas, transportation and streaming services.
Earn 1 Scene+ points per dollar spent on everything else.
No foreign transaction fees.
American Express perks like Amex Front Of The Line.
Comprehensive travel insurance covers emergency medical, trip interruption, flight delays, travel accidents, rental car collision and hotel burglaries.
Includes mobile device coverage up to $1,000.
Includes purchase security and extended warranty protection.

The American Express Cobalt Card has earned the titles of both best grocery credit card and best travel credit card, so it’s no surprise it’s a top hotel card, too. Among its benefits are a large welcome bonus, points that are easily transferable to frequent flyer and hotel programs at a 1:1 ratio and substantial travel insurance coverage.

Exclusive benefits at over 600 hotels and resorts.
Transfer points to frequent flyer and hotel programs.
High annual fee of $155.88.
No insurance for trip cancellations or interruptions.
In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
Earn 3X the points on eligible streaming subscriptions in Canada
Earn 2X the points on eligible ride shares, transit & gas in Canada
Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
Earn 1X point for every $1 in Card purchases everywhere else
Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
Transfer points 1:1 to several frequent flyer and other loyalty programs
Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Marriott Bonvoy™ Business American Express® Card

Up to 90,000 Marriott Bonvoy® points

If you travel frequently for business , the Marriott Bonvoy Business American Express card comes with automatic Gold Elite Status and extra bonus categories for fuel, dining and travel purchases.

Automatic Gold Elite Status.
No blackout dates and points never expire.
$150 annual fee (no first-year rebate).
Only options for travel-related point redemptions.
Earn up to 90,000 welcome bonus Marriott Bonvoy® points
Earn 75,000 Welcome Bonus Marriott Bonvoy® points after you spend $6,000 on your Card in your first three months of Cardmembership.
Plus, earn an additional 2 points for a total of 5 points on every $1 spent on eligible gas, dining and travel purchases in your first 6 months (up to 15,000 points).
Offer ends May 6, 2024.
Travel to new heights with the Marriott Bonvoy® Business American Express®* Card
Earn Marriott Bonvoy points that you can redeem in a variety of ways:
Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
Earn 2 points for every $1 spent on everything else
Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines
Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
Leverage your cash flow with the option of carrying a balance or paying in full each month
Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.
Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.
Receive an Annual Free Night Award automatically each year after your anniversary
Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

The Marriott Bonvoy American Express Card offers annual credits and no blackout dates. However, this card mostly stands out for hotel rewards that can be redeemed at over 7,000 Marriott Bonvoy locations.

15 Elite Night credits each calendar year
Earn bonus points as a Marriott Bonvoy Member
Travel medical insurance is not included
No annual fee waiver for new cardholders
Travel to new heights with the Marriott Bonvoy® American Express®* Card
Earn up to 80,000 Points:
New Marriott Bonvoy® American Express®* Cardmembers, earn 65,000 Welcome Bonus points after you spend $3,000 on your Card in your first 3 months of Cardmembership
Plus, earn an additional 3 points for a total of 5 points on every $1 spent on eligible travel and gas purchases in your first 6 months (up to 15,000 points)
Offer ends May 6, 2024
Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
Earn 2 points for every $1 in all other Card purchases
Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
No annual fee on Additional Cards
Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
Automatic Marriott Bonvoy Silver Elite status membership
Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

40,000 Scene+ Points

$150 (waived in the first year)

The Scotiabank Passport Visa Infinite Card offers premium hotel perks and travel benefits in addition to no foreign transaction fees on purchases made online or outside of Canada.

Automatic room upgrades and free Wi-Fi.
Lower earn rates compared to other cards.
$60,000 personal income requirement.
Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived
Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
Earn 2x Scene+ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
No Foreign Transaction Fee
6 Complimentary Airport Lounge Access
Comprehensive Travel Insurance coverage
Visa Infinite* Concierge Services
Visa Infinite* Hotel Collection
Visa Infinite* Dining and Wine Country program
Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

American Express® Gold Rewards Card

Up to 60,000 Membership Rewards points

With a high earning potential and annual travel credits, the only thing holding American Express Gold Rewards Card back from ranking higher on this list is its hefty $250 annual fee.

$100 annual travel credit
Earn bonus points on eligible hotels and car rentals
$250 annual fee
Free lounge passes are limited
Earn up to 60,000 Membership Rewards® points:
New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
The Card is now available in your choice of Gold or Rose Gold metal options
Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

80,000 Aventura Points

This card offers exceptional travel benefits, but the high income requirements and annual fees bring down the card’s overall earning potential. That said, it’s only good for those who spend and travel more than the average Canadian.

80,000 Aventura Points as a sign-up bonus.
$200 annual travel credit.
High annual fee of $499.
$150,000 personal income requirement.
Get 50,000 Aventure Points for spending $3,000 in the first four months and 30,000 points as an anniversary bonus.
Earn 3 points per dollar on travel purchases through the CIBC Rewards Centre.
Earn 2 points per dollar on dining, entertainment, transportation, gas and groceries.
Earn 1.25 points per dollar on everyday purchases.
Save up to 10 cents per litre with Journie Rewards.
Access benefits on luxury hotels, dining, transportation services and business class bookings.
6 complimentary passes per year for over 1,200 airport lounges.
Based on average Canadian spending, Forbes Advisor estimates this card could have $384.50 in annual hotel rewards value. When you factor in the $499 annual fee, that’s -$114.50 in value.
Travel insurance covers trip cancellations and interruptions, common carrier accidents, flight and baggage delays, auto collision loss and damage, emergency medical care and hotel burglary.

TD First Class Travel® Visa Infinite* Card

Up to $800 in value†

$139 (fee rebated in the first year)

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

20.99% / 22.99%

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

High earn rate for rewards with Expedia.
Exclusive travel benefits.
Expensive annual fee.
Low annual net rewards earnings for average spenders.
Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
This offer is not available for residents of Quebec.
† Terms and conditions apply.

35,000 Avion points**

Even though the RBC Avion Visa Infinite has limited earning potential, it offers multiple redemption options on travel, merchandise and statement credits.

No blackout periods or seat restrictions.
Extensive travel insurance.
Limited earning potential.
Poor return outside of airline partners.
Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
Avioners earn points that never expire so your points will be waiting for your next adventure.
Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and
Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
Get access to RBC offers which provides access to earn points faster at specified brands
Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
Avioners no longer need 14-days to book travel using the RBC grid
Get a 12-month complimentary DashPass subscription± – a value of almost $120
Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
Get a 12-month complimentary DashPass subscription18 – a value of almost $120

The Platinum Card® from American Express

Up to 100,000 bonus Membership Rewards points

30% due in full or 20.99% (flexible payment option)†

Credit Score Description (score range)

Good/Excellent

For a steep annual fee, the American Express Platinum Card offers exclusive access to hotel loyalty programs and benefits that offer an average value of $600 at over 1,500 participating hotels and resorts. However, for average spending, this cards fee does cancel out its earning potential, so it’s best used only by big spenders and those who can seriously benefit from its travel perks.

Fast-tracked status with multiple hotel loyalty programs
No pre-set spending limit
$799 annual fee (no first-year rebate)
Must pay statements in full to get lower interest rates
Unlock special experiences with the Platinum Card®
Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership
Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
Enjoy premium benefits at the Toronto Pearson Airport
You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link.

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

The Scotiabank Gold American Express Card offers high earn rates for those who spend a lot on groceries, dining, entertainment and fuel.

Rewards: Get 6 points per dollar at select grocery stores, 5 points per dollar on other groceries, dining, food delivery and entertainment purchases, 3 points per dollar on fuel, transportation and streaming services and 1 point per dollar on all other purchases.

Welcome Offer: 40,000 Scene+ points (Earn 20,000 points by making at least $1,000 in the first three months, get 20,000 points when you spend at least $7,500 in your first year). Must open card by October 31, 2023 to qualify.

Annual Fee: $120

Other Benefits and Drawbacks: This card includes flexible rewards on hotel and travel purchases with no blackout dates or foreign transaction fees. Accelerated earn rates will drop to 1 point per dollar for all bonus categories after reaching the $50,000 annual spending limit.

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The American Express Cobalt® Card can maximize the earning potential on everyday purchases to claim extra travel benefits and hotel credits.

Rewards: Earn 5 Membership Rewards per dollar spent on groceries (up to $30,000 annually), 3 Membership Rewards points per dollar spent on eligible streaming subscriptions in Canada, 2 Membership Rewards points per dollar spent on rideshares, transit and gas in Canada 1 Membership Rewards point per dollar spent on all other eligible purchases and 1 additional Membership Rewards point for every dollar spent on eligible hotel or car rental bookings made with American Express Travel.

Welcome Offer: In your first year as a new Cobalt cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Other Benefits and Drawbacks: Cardmembers will receive a one-category room upgrade and a hotel credit worth up to $100 for one room per stay. While the elevated earn rates help offset the high annual fee, they are only available on purchases in Canada.

The Marriott Bonvoy Business American Express Card is a solid business card for travel rewards with versatile points and no blackout periods.

Rewards: Get 5 points per dollar at Marriott Bonvoy hotels, 3 points per dollar on gas, dining and travel and 1 point per dollar on everything else.

Welcome Offer: Earn 55,000 Welcome Bonus Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first 3 months of card membership.

Annual Fee: $150

Other Benefits and Drawbacks: This card’s annual free hotel stay and Elite Night credits can quickly recoup the annual fee. Some airlines even off a 3:1 ratio on point transfers. The value of points fluctuates with demand, so you may need more points to book trips during peak season.

The Marriott Bonvoy® American Express®* Card is an excellent option for travellers who frequently stay at Marriott hotels and resorts.

Rewards: Collect 5 points per dollar on eligible purchases at Marriott Bonvoy Hotels and 2 points per dollar on everyday purchases.

Welcome Offer: Earn 50,000 Membership Rewards points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time.

Other Benefits and Drawbacks: Additional perks include complimentary Marriott Silver Elite Status, hotel credits and special events access. There is no coverage for medical care or flight cancellations , so you will need to pay extra for this while travelling.

The Scotiabank Passport Visa Infinite Card is a convenient way for international travellers to save on foreign currency exchange fees .

Rewards: Earn 3 points for every dollar at eligible grocery stores and 2 points for every dollar on dining, entertainment, daily transit and purchases at other grocery stores.

Welcome Offer: Claim 30,000 Scene+ Points on $1,000 in eligible purchases during the first three months and 10,000 bonus points for spending $40,000 during the first year.

Other Benefits and Drawbacks: Domestic travellers will likely earn better rewards with other premium hotel credit cards. For those who travel abroad, the money saved with no foreign transaction fees can cover the cost of the annual fee in just a couple of trips.

The American Express Gold Rewards Card makes it easy to earn rewards on everyday purchases and convert points for travel perks and credits.

Rewards: Collect 2 points per dollar on hotels, flights, car rentals, travel, fuel, groceries and drugstore purchases and 1 point per dollar on all other purchases.

Welcome Offer: Get up to 60,000 Membership Rewards® points; New Cardmembers earn 5,000 Membership Rewards® points in each monthly billing period when you spend $1,000 in net purchases on your Card, this could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

Annual Fee: $250

Other Benefits and Drawbacks: Beyond the lucrative welcome offer, this card offers a $100 annual travel credit. Staying two consecutive nights at eligible hotels also earns a $100 credit for amenities and a room upgrade. The rewards value is high, but there are other hotel cards with better earn rates.

The CIBC Aventura Visa Infinite Privilege Card is best suited for active Aventura points collectors who qualify for the income requirements.

Rewards: Earn 3 points per dollar on travel, 2 points per dollar on dining, entertainment, transportation, gas and groceries and 1.25 points per dollar on everyday purchases.

Welcome Offer: Collect 50,000 Aventure Points for $3,000 in eligible spending during the first four months and 30,000 points as an anniversary bonus.

Annual Fee: $499

Other Benefits and Drawbacks: The initial bonus is high for a premium card, in addition to offering free lounge passes and a $200 annual travel credit. Cardholders will have to use all of the available perks to make the annual fee and income requirements worth it.

The TD First Class Travel Visa Infinite Card is ideal for those who want multiple redemption options for flights, hotels, gift cards and statement credits.

Rewards: Earn 8 TD Rewards Points † for every dollar you spend when you book travel through Expedia® For TD. Earn 6 TD Rewards Points† for every dollar you spend on groceries and restaurants. Earn 4 TD Rewards Points† for every dollar you spend on regularly recurring bill payments set up on your account. Plus, earn 2 TD Rewards Points† For every dollar you spend on other purchases made using your card. Also earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.

Welcome Offer: Earn up to 100,000 TD Rewards Points. Earn 20,000 TD Rewards Points when you make your first purchase with your card and 80,000 TD Rewards Points when you spend $5,000 within 180 days of account opening.† Terms and conditions apply. Not available for residents of Quebec. Account must be approved by June 3, 2024.

Annual Fee: $139 (Get an annual fee rebate in the first year, account must be approved by June 3, 2024)

Other Benefits and Drawbacks: This card has extensive insurance and a strong return on travel purchases booked through Expedia. However, point values drop on other redemption options.

The RBC Avion Visa Infinite Card is a low-maintenance card for casual travellers who prefer flexible redemption options.

Rewards: Collect 1 Avion point per dollar, plus an extra 25% on eligible travel purchases.

Welcome Offer: Get 35,000 Welcome Points on approval. Apply by January 21, 2024.

Other Benefits and Drawbacks: This card earns points at a much lower rate than other hotel credit cards. However, members can convert points during a transfer bonus to get more value with loyalty programs, including WestJet dollars and Hudson’s Bay Rewards.

The American Express Platinum Card offers excellent value for frequent travellers with high spending.

Rewards: Collect 2 points for every dollar on eligible dining and food delivery, 2 points per dollar spent on eligible travel and 1 point per dollar on everyday purchases.

Welcome Offer: New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.

Annual Fee: $799

Other Benefits and Drawbacks: The bulk of this card’s value lies in its automatic upgrades, premium travel benefits and complimentary hotel services. Although, this card is only worth it if every dollar you spend makes its way back into your pocket, including the $799 annual fee.

Data research and analysis by Tia Duncombe and Debra Toews.

Simply put, many major hotel chains have loyalty programs to entice repeat customers. Most of those loyalty programs have an affiliated credit card—just like how you can have an Optimum Points card and a PC Financial Mastercard that earns them, too. By spending with your “hotel” card, some of which are broader travel reward programs that offer hotel perks, you can earn points and perks at that hotel chain or travel program.

There is quite a bit of overlap between the best hotel credit cards in Canada and the best travel reward credit cards, simply because they both offer rewards pertaining to travel—and of course, a hotel stay is part of that experience. While every program is different, both rewards cards earn points that are redeemable for travel expenses, including hotel stays. Hotel credit cards often offer a favourable redemption rate for hotels, meaning that you can redeem your points for great value at a selection of hotels affiliated with the brand. For example, with a hypothetical reward program, 100 points could translate to $1 in gift card or airfare value, but $1.50 at a select hotel chain.

Every hotel credit card differs, but there are a few benefits that seem to be a throughline in the category. Often, the types of benefits hotel credit cards can offer include:

Increased points earnings: Hotel loyalty credit cards will often offer you more points per dollar when you spend at the associated hotel chain.
Status upgrades: Often, hotel loyalty programs will have a tiered structure indicating member status. Each tier usually brings a bump in perks that can range from room upgrades to free breakfast. Some hotel cards offer ways for you to quickly move up in tiers, while others offer an automatic bump in status for getting the card and/or spending a certain amount per year.
Annual free award night: Many hotel credit cards will offer you a free stay once per year as a reward.
Travel insurance coverage: Many hotel credit cards are tailored to travellers (or overlap with a travel rewards card). Naturally, travel insurance coverage is included in this, and can range from emergency medical and common carrier insurance, to hotel/motel burglary insurance, trip delay and cancellation, and lost or delayed baggage.
Airport lounge access: Many hotel credit cards offer airport lounge access, with a number of free or discounted visits per year.

Credit card hotel points are similar to most credit card reward points—you’ll earn them on most (if not all) your purchases, and often at a higher rate per dollar spent in a particular category. They can be redeemed in a variety of ways. With hotel credit card points in particular, they can usually be earned at a more favourable rate when spending at that hotel chain in particular, and can be redeemed there too. Most can also be transferred to other loyalty or frequent flyer programs, some at a 1:1 ratio.

Two well-known hotel loyalty programs are Marriott Bonvoy and Hilton Honours.

Marriott Bonvoy

Marriott Bonvoy is the loyalty program for Marriott Hotels, which include The Ritz Carlton, JW Marriott, Sheraton, Delta Hotels, Westin, Four Points and more. The program can be joined for free, but is also included with certain co-branded credit cards (including business cards) that earn even more Marriott points.

All members of this program get discounted rates on hotels, free Wi-Fi and points toward free nights. Those who stay at the hotels under this brand’s umbrella can eventually earn elite status, meaning they get even more benefits like late checkout, free breakfast and more.

You earn points either through hotel stays or credit card spending. Once you earn enough points, you can redeem them for free award nights, travel packages, flights, merchandise, gift cards and car rentals. You can also transfer points to airline partners.

Hilton Honours

Hilton Honors is the Hilton hotel chain’s loyalty program, which includes hotels like Hampton, Embassy Suites and Doubletree. Like Marriott Bonvoy, you can sign up for free or through a co-branded credit card to start earning points, though they don’t currently offer a credit card in Canada. You earn points by spending at Hilton hotels, with partners or by spending on your Hilton co-branded credit card.

Once you are a member, you can begin to level up to different tiers of membership, achieving Silver, Gold or Diamond status. With just a membership, you get perks like free Wi-Fi and a discounted rate. Even Silver members get their fifth hotel night free, and the perks increase with each tier of membership, eventually including things like executive lounge access and room upgrades.

Choosing a Hotel

The first step in choosing a hotel credit card is determining which hotel brand would work best with where you want to travel, or travel most often. Many hotel brands are chains that have thousands of locations worldwide, so if you tend to travel more broadly, those brands might be more beneficial to your needs.

What is a sign-up bonus?

Some cards offer sign-up bonuses for new cardholders. Often, these offers mean earning a number of points just for signing up or spending a certain amount within a period of time. Many often waive the annual fee as well.

What is an earning rate?

An earning rate is the number of points you earn per dollar spent on the card. These earning rates can vary by spending category. With hotel cards, they typically earn you more points at the specified hotel chain or partner brands.

Other Benefits

Other benefits, like award nights, travel insurance, lounge access and status upgrades are common among hotel cards.

Related : Best credit cards to have in Canada

If you’re a frequent traveller who has a preference for a particular hotel brand (or chain of hotels), you should consider a hotel credit card to meet your needs, earn points and offer perks.

If you’re planning to do a lot of travelling, you might want to maximize your hotel credit card to get the most value. This would involve earning points at a solid rate, as well as getting as many free award nights and upgrades as possible.

If you want a card that gives you free nights faster, choose the Marriott Bonvoy® American Express®* Card, since you’ll get one free award night per year. You’ll also get 15 Elite Night Credits each calendar year that can help you achieve elite status faster. The business version of this card, Marriott Bonvoy™ Business American Express® Card, has the same offer, too.

That said, it might be better to pick a card that aligns well with your spending habits, as that will earn you the most points in the long run.

Which American Express card is best for hotels?

The American Express Platinum Card is the best option for luxury hotel benefits like automatic room upgrades, late check-out and free amenities unique to each property.

Is it better to book a hotel with a credit card?

Most hotels require a credit card on file for cancellations and damages. Using a credit card to book a hotel can also earn rewards and discounts.

What credit score do you need for a hotel credit card?

Credit scores between 660 and 900 are generally considered good, very good or excellent. Some hotel credit cards will accept scores starting at 600, while others require scores over 740.

Which credit card gives discounts on hotels?

The Marriott Bonvoy® American Express®* Card automatically gives you Marriott Bonvoy Silver Elite status, giving you access to member rates, among other perks.

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.

Candice Reeves is a financial writer based out of Nova Scotia. She specializes in personal finance, investing, and cryptocurrency. Her work is featured in leading publications across various industries, including Wealth Rocket, CryptoVantage, and StackCompare.

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Opulently First Class Architecture at the Kremlin Citadel

There’s so much to see at the Kremlin complex that you could spend every minute there once your first class flight land s. Its mixture of ornate and somber architecture reflects the country’s various historical periods. Here, you’ll find the shining, gold-capped domes of Cathedral of the Dormition and the somber-looking State Kremlin Palace. There are four cathedrals in the complex, including the Cathedral of the Annunciation, which is now a fascinating museum. The Cathedral of the Archangel, the burial site of several medieval leaders, is also within the citadel area. Many of the Kremlin Citadel walls and towers erected in the late 15th century still surround the complex and offer hours of captivating exploration. In spite of the tremendous number of Kremlin squares, cathedrals, churches, towers, palaces and museums open to the public, it’s only a third of the entire citadel.

Experience the Heart of Moscow Society in First Class Red Square

Across from the Kremlin’s Spasskaya Tower is one of Moscow’s most recognizable structures, the colorfully enticing St. Basil’s Cathedral. The cathedral is now a museum, and its colorfully patterned onion domes remind us of the country’s vibrant past. The cathedral museum should be just one stop on your visit to historic Red Square. The square has been the gathering place for generations of Muscovites, from Medieval peddlers and Soviet-era soldiers to present-day concert-goers. Lenin’s Mausoleum is on the square, as are the treasured Kazan Cathedral and the popular GUM department store. The square also bears the tribute statue to Minin and Pozharsky, the leaders of the 1612 militia that warded off Polish invaders.

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Fallen Monument Park is actually Muzeon Park. It became a de facto repository of the many Lenin and Stalin statues that populated the region’s Communist countries during the Cold War. The collection of Soviet-era statues grew throughout the 1990s. As time progressed, artists began placing statues commemorating victims of the Soviet Union in the park as well. There’s also a special section of the park honoring the valiant soldiers of World War II, or the Great Patriotic War. The park presents an unexpected and unusual glimpse into the country’s cultural and artistic sensibilities. It’s also a nice chance to stroll through the park-like setting and enjoy the city’s ambiance.

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There’s a wealth of Russian history and architecture to be found in Kolomenskoye, with artifacts dating back to the Stone Age. The 630-acre site encompasses the remains of the 2,500-year-old Dyakovo Settlement and other important historic sites. In the 14th and 18th centuries, the area was a muster site to important Russian armies, and it became a summer home for the tsars and their families. It was also an instrumental site during the “Time of Troubles.” Today, the village is home to the 16th-century white stone Church of the Ascension, one of the first churches in the country to depart from Byzantine architecture. It also houses St. George the Victorious Bell Tower, the Hunting Pavilion and a 17th-century water tower. In all, there are 17 “architectural monuments” here, many of which were part of the 16th-century tsars’ estates. Four historic wooden structures were moved from other areas of the country to the Kolomenskoye site.

Trans-Siberian Railway Prices

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Ticket prices for the Trans-Siberian Railway also depend on the current ruble exchange rate.

Is the Trans-Siberian Railway expensive?

Before starting on your Trans-Siberian Railway adventure you naturally want to know what the entire trip will cost. Although this sounds like a simple question, it is pretty difficult to answer. The Trans-Siberian Railway price of travel depends on the following factors:

Which travel class do I want to use? The price for a first class ticket is about three times the price of a 3rd class ticket
Am I willing to buy the tickets myself and assume responsibility for the organisation of the trip?
How many stopovers do I want to make? The more breaks, the higher the total price.
What sort of accommodation do I want? Will it be a luxury hotel or will a hostel dormitory be sufficient?
What tours and excursions would I like to go on?
What is the current exchange rate for rubles?

Basically, everything from a luxury to a budget holiday is available. If you buy yourself a 3rd Class nonstop ticket at the counter, a few hundred Euros will cover the price. All you will experience is a week on the Trans-Siberian train and will see nothing of the cities on the way. There is, however, any amount of room for upward expansion. Everyone makes different choices about which aspects they are willing to spend money on. I personally prefer to save money on accommodation and railcar class, visit as many cities and do as many trips as possible. To enable better classification of your travel expenses I have contrasted two typical traveler types. In the third column you can calculate the total cost of your own journey on the Trans-Siberian Railway. Please keep in mind that these are only rough estimations and not exact prices.

The all-in costs seem fairly high at first. However, they cover everything and it is quite a long journey taking four weeks. Many people forget to consider that when looking at the list. We should also deduct the running costs for food and leisure at home. I think most visitors to this page will classify themselves somewhere between the two categories, that is around the € 2,000 – € 2,500 range. When comparing these prices with other travel packages, you get the impression that it is hardly worthwhile travelling individually on the Trans-Siberian Railway. Please keep in mind that most packages last no more than 14 days and you are herded like cattle through the most beautiful locations.

If you spend less time on the Trans-Siberian Railway you will, of course, pay less. I chose this particular travel length because I prefer not to do things by halves. If you fulfill your dream of travelling on the Trans-Siberian Railway, enjoy it and don’t rush things. But it’s up to you, of course. Try playing around with the form a bit to find the appropriate price for your trip.

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