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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($139 annual fee rebated)
- +Welcome Bonus: Up to 160,000 points
- +Up to 6x on groceries
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
With the TD First Class Travel® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points† as well as an Annual Fee rebate for the first year†:
- 20,000 TD Rewards Points for the first purchase made with your card†
- 140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening†
- 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, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
With the TD First Class Travel® Visa Infinite* Card, you earn:
- 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- 6 TD Rewards Points† per dollar on your grocery, dining and public transit purchases
- 4 TD Rewards Points† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
- 2 TD Rewards Points† per dollar on all other purchases made with your card
This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year†.
Rewards
All Spending
2x
TD Rewards pts per dollar
Groceries
6x
TD Rewards pts per dollar
Restaurants
6x
TD Rewards pts per dollar
Transit
6x
TD Rewards pts per dollar
Recurring
4x
TD Rewards pts per dollar
Streaming
4x
TD Rewards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
121,200
TD Rewards/yr
Estimated Value
$606
After Fees
+$606
1st Year Value
$1,506
incl. welcome bonus
Annual rewards breakdown
- Earn 160,000 TD Rewards after $7,500 in purchases within the first 6 months
- $100 annual credit (year 2)
Annual benefits
- $100
First-year advantages
- $139
Perks & Benefits
Airport lounge access
Concierge Service
24/7
Annual TD Travel Credit
$100
Travel Insurance
Travel medical (under 55)
Up to $2,000,000 / 21 days
Travel medical (55-64)
Up to $2,000,000 / 21 days
Travel medical (65+)
Up to $2,000,000 / 4 days
Trip Cancellation
Up to $1,500
Trip Interruption
Up to $5,000
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Hotel Burglary
Up to $2,500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Mobile Device
Up to $1,000
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$139
First Year Annual Fee Rebate
- Additional card fee$50
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Eligibility
Personal Income
$60,000
Household Income
$100,000
Terms & Conditions
Card Features
Earn up to $1,400 in value†, including up to 160,000 TD Rewards Points, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†
- Earn 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†
- Get an Annual Fee Rebate for the first year†
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
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 Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Legal
†Terms and conditions apply.
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FAQ
What are the annual fees for the TD First Class Travel Visa Infinite Card?
The TD First Class Travel Visa Infinite Card has an annual fee of $139 for the primary cardholder and $50 for the first authorized user ($0 for subsequent authorized users).
What is the minimum income required for the TD First Class Travel Visa Infinite Card?
The TD First Class Travel Visa Infinite Card requires an annual personal income of $60,000 or a household income of $100,000.
How do you earn points with the TD First Class Travel Visa Infinite Card?
The TD First Class Travel Visa Infinite Card offers 8 points on ExpediaForTD.com, 6 points on groceries/restaurants/transit, 4 points on bills/streaming, and 2 points on other purchases.
Does the TD First Class Travel Visa Infinite Card offer an annual travel credit?
Yes, the TD First Class Travel Visa Infinite Card offers an annual TD Travel Credit of $100 for bookings of $500 or more via ExpediaForTD.com.
How many airport lounge visits does the TD First Class Travel Visa Infinite Card offer?
The TD First Class Travel Visa Infinite Card offers 4 complimentary visits per year to over 1,200 international lounges via the Visa Airport Companion program.
Do TD Rewards points expire with the TD First Class Travel Visa Infinite Card?
No, TD Rewards points from the TD First Class Travel Visa Infinite Card never expire as long as your account remains open and in good standing.
Is there a birthday bonus with the TD First Class Travel Visa Infinite Card?
Yes, the TD First Class Travel Visa Infinite Card offers an annual Birthday Bonus of up to 10,000 TD Rewards points.
What medical insurance does the TD First Class Travel Visa Infinite Card offer?
The TD First Class Travel Visa Infinite Card includes travel medical insurance up to $2 million for 21 days (4 days if aged 65 or older).
Does the TD First Class Travel Visa Infinite Card offer concierge service?
Yes, the TD First Class Travel Visa Infinite Card includes a complimentary 24/7 Visa Infinite Concierge service.
Are there earning caps on points with the TD First Class Travel Visa Infinite Card?
Yes, the TD First Class Travel Visa Infinite Card has an annual cap of $25,000 per category for accelerated earn rates (groceries, restaurants, bills, streaming).
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.