Which TD credit card has the highest welcome bonus this winter?

The TD First Class Travel Visa Infinite currently leads TD's lineup with up to 165,000 TD Rewards points (worth approximately $825 in travel through Expedia for TD), with the first-year annual fee waived. The TD Aeroplan Visa Infinite Privilege is close behind with up to 85,000 Aeroplan points, and the TD Aeroplan Visa Infinite typically offers between 40,000 and 55,000 Aeroplan points depending on the live promo. Among no-income-requirement options, the TD Platinum Travel Visa targets a 50,000-point bonus, useful for newcomers and students building Canadian credit history.

What is a TD Rewards point worth in real money?

One TD Rewards point is worth 0.5 cents (1 point = $0.005) when redeemed through Expedia for TD — the platform's only premium redemption channel. That means 100,000 TD Rewards points equal $500 in flights, hotels, packages or car rentals booked on the portal. Points are also redeemable for merchandise and gift cards, but those redemptions deliver less value (around 0.3 to 0.4 cents each). Unlike Aeroplan or Membership Rewards, TD Rewards do not transfer to airline partners, so the Expedia for TD portal is your highest and best use. Stack the 8x earn rate on the First Class Travel card with portal redemptions to maximize the loop.

Can I get the TD welcome bonus if I already had a TD card before?

TD's terms typically state that the welcome bonus is reserved for first-time cardholders of that specific product. If you previously held the TD First Class Travel Visa Infinite and closed the account, you may be eligible again after a cooling period (usually 6 to 12 months), but bonuses are not guaranteed. Switching between distinct TD products — for example, holding both the TD Platinum Travel Visa and the TD Aeroplan Visa Infinite Privilege — does qualify for separate welcome bonuses. Always read the offer's fine print under "new TD credit cardholder" before applying, and consider applying for two different cards in the same household to multiply welcome bonuses.

Should I pay the annual fee or pick a no-fee TD card?

The TD lineup has clear breakpoints. For under $4,000/year of category-aligned spend, the no-fee TD Platinum Travel Visa or no-fee TD Aeroplan Visa Platinum usually pencil out. Once your spend climbs past that, the $139 fee on the TD First Class Travel Visa Infinite pays for itself through the 8x earn on Expedia bookings, the 4 lounge passes and the $100 travel credit. The premium TD Aeroplan Visa Infinite Privilege at $599 makes sense for travellers spending over $25,000/year and using Maple Leaf lounges, free checked bags and Aeroplan elite-status accelerators every trip.

Marie-Ève Leclerc

Marie-Ève, Web Director at Milesopedia, is an expert in budget travel and a slow travel enthusiast. Specializing in Aeroplan, Scene+, and Marriott Bonvoy programs, she spends nearly six months a year abroad, making travel her way of life. Constantly seeking the best waves to surf, excellent coffee, and strategies to extend her travels, she is often found in coworking spaces with fellow digital nomads or by the sea, watching the sunset.

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