{"id":427894,"date":"2025-05-01T11:00:00","date_gmt":"2025-05-01T15:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=427894"},"modified":"2025-09-12T08:47:06","modified_gmt":"2025-09-12T12:47:06","slug":"enhancements-td-cards","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/","title":{"rendered":"TD Credit Card Enhancements in Effect: VIP Lounge Access!"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Last January, <strong>TD<\/strong> unveiled a series of changes to <a href=\"https:\/\/milesopedia.com\/en\/cards\/td\/\">its entire credit card portfolio<\/a>, effective <strong>May 1, 2025<\/strong>.<\/p>\n<p>These changes mainly affect discount rates and benefits, with the addition of new multiplier categories such as:<\/p>\n<ul>\n<li>Public transport;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/best-cards-charge-electric\/\">Electric vehicle recharging<\/a>;<\/li>\n<li>Establishments serving alcohol (bars, nightclubs, lounges);<\/li>\n<li>Streaming services, digital media and video games.<\/li>\n<\/ul>\n<p>What&#8217;s more, the most noteworthy change concerns the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> which will now offer a complimentary <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\">Visa Airport Companion<\/a> membership and <strong>four annual airport lounge passes<\/strong> with <strong>DragonPass<\/strong>!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"177378\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>However, these improvements are accompanied by an increase in interest rates for the majority of cards.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Credit Cards &#8211; Summary of Changes&#8221; css=&#8221;&#8221; el_id=&#8221;td_credit_cards_-_summary_of_changes&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<thead>\n<tr>\n<td style=\"width: 36.3715%;\">Map<\/td>\n<td style=\"width: 63.6285%;\">Main changes<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>Free <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/visa-airport-companion-program\/\">Visa Airport Companion<\/a> membership + 4 lounge accesses per year ( <span class=\"nowrap\">$285<\/span> value)<\/li>\n<li>New multipliers on public transit (6 points per $), establishments serving alcohol (6 points per $), streaming services, video games and digital media (4 points per $)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-platinum-travel-visa-card\/\">TD Platinum Travel Visa* Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New multipliers on public transit (4.5 points per $), establishments serving alcohol (4.5 points per $), streaming services, video games and digital media (3 points per $)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-rewards-visa-card\/\">TD Rewards Visa* Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New multipliers on public transit (3 points per $), establishments serving alcohol (3 points per $), streaming services, video games and digital media (2 points per $)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-privilege-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite Privilege* Credit Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New multiplier on electric vehicle recharging (1.5 points per $)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-infinite-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New multiplier on electric vehicle recharging (1.5 points per $)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-aeroplan-visa-platinum-card\/\">TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Platinum* Credit Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New multiplier on electric vehicle recharging (1 point per $)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-cash-back-visa-infinite-card\/\">TD Cash Back Visa Infinite* Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New cash bsck rates on public transit<span class=\"nowrap\">(3%<\/span>), electric vehicle recharging<span class=\"nowrap\">(3%<\/span>), establishments serving alcohol<span class=\"nowrap\">(3%<\/span>), streaming services, video games and digital media<span class=\"nowrap\">(3%<\/span>)<\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a title=\"TD Cash Back Visa* Card\" href=\"https:\/\/milesopedia.com\/en\/go\/td-cash-back-visa-card-qc\/\" rel=\"noindex\">TD Cash Back Visa* Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>New cash back rates on public transit<span class=\"nowrap\">(1%<\/span>), electric vehicle recharging<span class=\"nowrap\">(1%)<\/span>, streaming services, video games and digital media<span class=\"nowrap\">(1%)<\/span><\/li>\n<li>Interest rates on purchases and cash advances (QC only) increased to<span class=\"nowrap\"> 21.99%<\/span>.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 36.3715%;\"><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-low-rate-visa-credit-card\/\">TD Low Rate Visa* Credit Card<\/a><\/td>\n<td style=\"width: 63.6285%;\">\n<ul>\n<li>Reduced fees for returned payments to <span class=\"nowrap\">$10<\/span><\/li>\n<li>Promotional balance transfer fees increased by up to <span class=\"nowrap\">5%<\/span>.<\/li>\n<li>Addition of credit balance administration fees<\/li>\n<li>Changes do not apply to residents of the Quebec<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"86712\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_first_class_travel_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Changes include new <strong>access to airport lounges<\/strong>, new reward categories and increased interest rates.<\/p>\n<h4>Major new benefit<\/h4>\n<ul>\n<li>Free <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\">Visa Airport Companion<\/a> membership with 4 free accesses per year ( <span class=\"nowrap\">$285<\/span> value)<\/li>\n<\/ul>\n<h4>New reward categories<\/h4>\n<ul>\n<li>Public transit: 6 points per dollar (annual cap of $25,000)<\/li>\n<li>Establishments selling alcohol (bars, nightclubs, lounges): 6 points per dollar (annual cap of $25,000)<\/li>\n<li>Streaming services, video games and digital subscriptions: 4 points per dollar (annual cap of $25,000)<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from <span class=\"nowrap\">20.99%<\/span> to <span class=\"nowrap\">21.99%<\/span><\/li>\n<li>Penalty rate: increase from <span class=\"nowrap\">25.99%<\/span> to <span class=\"nowrap\">26.99%<\/span><\/li>\n<li>Cash advances (Quebec only): increase from <span class=\"nowrap\">20.99%<\/span> to <span class=\"nowrap\">21.99%<\/span><\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/primes-voyages\/carte-visa-infinite-classe-ultime-voyages-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p>The <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/td-rewards\/\">TD Rewards<\/a> redemption rate for travel remains the same: <strong>200 points for $1<\/strong> on <a href=\"https:\/\/milesopedia.com\/guides\/tutoriels\/guide-expedia-pour-la-td\/\">Expedia for TD<\/a> and <strong>250 points for $1<\/strong> with <em>Book Your Way<\/em>.<\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Platinum Travel Visa* Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_platinum_travel_visa_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Changes include new reward categories and increased interest rates.<\/p>\n<h4>New reward categories<\/h4>\n<ul>\n<li>Public transit: 4.5 points per dollar (annual cap of $15,000)<\/li>\n<li>Establishments selling alcohol (bars, nightclubs, lounges): 4.5 points per dollar (annual cap of $15,000)<\/li>\n<li>Streaming services, video games and digital subscriptions: 3 points per dollar (annual cap of $15,000)<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/primes-voyages\/carte-visa-platine-voyages-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22725\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Rewards Visa* Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_rewards_visa_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Changes include new reward categories and increased interest rates.<\/p>\n<h4>New reward categories<\/h4>\n<ul>\n<li>Public transit: 3 points per dollar (annual cap of $5,000)<\/li>\n<li>Establishments selling alcohol (bars, nightclubs, lounges): 3 points per dollar (annual cap of $5,000)<\/li>\n<li>Streaming services, video games and digital subscriptions: 2 points per dollar (annual cap of $5,000)<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/primes-voyages\/carte-visa-primes-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22726\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite Privilege* Credit Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_aeroplan_visa_infinite_privilege_credit_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Changes include new reward categories and increased interest rates.<\/p>\n<h4>New reward categories<\/h4>\n<ul>\n<li>Electric vehicle charging: 1.5 points per dollar (included in Gasoline category)<\/li>\n<li>Public transport: 1.5 points per dollar (included in the Travel category)<\/li>\n<li>Annual cap of $100,000 (unchanged) on 1.5-point categories<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/aeroplan\/carte-visa-infinite-privilege-aeroplan-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22723\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Infinite* Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_aeroplan_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Changes include a new rewards category and an increase in interest rates.<\/p>\n<h4>New reward categories<\/h4>\n<ul>\n<li>Electric vehicle charging: 1.5 points per dollar (included in Gasoline category)<\/li>\n<li>Annual cap of $80,000 (unchanged) on 1.5-point categories<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/aeroplan\/carte-visa-infinite-aeroplan-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"100492\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD<sup>&reg;<\/sup> Aeroplan<sup>&reg;<\/sup> Visa Platinum* Credit Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_aeroplan_visa_platinum_credit_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Changes include a new rewards category and an increase in interest rates.<\/p>\n<h4>New reward categories<\/h4>\n<ul>\n<li>Electric vehicle charging: 1 point per dollar (included in Gasoline category)<\/li>\n<li>Annual cap of $80,000 (unchanged) on 1-point categories<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/aeroplan\/carte-visa-platine-aeroplan-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22722\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Cash Back Visa Infinite* Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_cash_back_visa_infinite_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The changes include new cash back categories and an increase in interest rates.<\/p>\n<h4>New cash back categories<\/h4>\n<ul>\n<li>Electric vehicle charging: 3% (annual cap of $15,000)<\/li>\n<li>Public transit: 3% (annual cap of $15,000)<\/li>\n<li>Streaming services, games and digital subscriptions: 3% (annual cap of $15,000 combined with pre-authorized payments)<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/remises-argent\/carte-visa-infinite-remises-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"225991\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Cash Back Visa* Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_cash_back_visa_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The changes include new cash back categories and an increase in interest rates.<\/p>\n<h4>New cash back categories<\/h4>\n<ul>\n<li>Electric vehicle charging: 1% (annual cap of $5,000)<\/li>\n<li>Public transit: 1% (annual cap of $5,000)<\/li>\n<li>Streaming services, games and digital subscriptions: 1% (annual cap of $5,000 combined with pre-authorized payments)<\/li>\n<\/ul>\n<h4>Changes in interest rates<\/h4>\n<ul>\n<li>Purchasing: increase from 20.99% to 21.99<\/li>\n<li>Penalty rate: increase from 25.99% to 26.99%<\/li>\n<li>Cash advances (Quebec only): increase from 20.99% to 21.99%<\/li>\n<\/ul>\n<h4>Other changes<\/h4>\n<ul>\n<li>New administration fee on inactive credit balance (after 12 months)<\/li>\n<li>Changes to cash advance transaction fees<\/li>\n<li>Reduced fees for returned payments<\/li>\n<\/ul>\n<p>The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/aeroplan\/carte-visa-platine-aeroplan-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22720\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;TD Low Rate Visa* Credit Card&#8221; font_container=&#8221;tag:h3|text_align&nbsp;: left&#8221; css=&#8221;&#8221; el_id=&#8221;td_low_rate_visa_credit_card&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The changes concern only miscellaneous expenses, with no change in interest rates.<\/p>\n<h4>Changes in transaction fees on cash advances and balance transfers<\/h4>\n<ul>\n<li>1% of amount (minimum $3.50, <span class=\"katex\">maximum $10<\/span>)<\/li>\n<li>No charge for credit balances<\/li>\n<li>Returned payment fee reduced from $48 to <span class=\"katex\">$10<\/span><\/li>\n<li>Promotional balance transfer fee increased to 5% (previously 3%)<\/li>\n<\/ul>\n<h4><strong>New fees<\/strong><\/h4>\n<ul>\n<li>Administration fee on inactive credit balance after 12 months (maximum $10)<\/li>\n<\/ul>\n<p>These changes do not apply to Quebec residents. The full Review is available <a target=\"_blank\" href=\"https:\/\/www.td.com\/ca\/fr\/services-bancaires-personnels\/produits\/cartes-de-credit\/faible-taux\/carte-visa-faible-taux-faq\">here<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"313439\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Despite a rise in interest rates, TD is significantly enhancing the benefits of its credit cards as of <strong>May 1, 2025<\/strong>.<\/p>\n<p>TD adds new categories to include sustainable modes of transport: electric vehicle recharging and public transport will be rewarded at the same rate as gasoline. The bank is also adding bars and nightclubs to the Restaurant category.<\/p>\n<p>However, it is the <a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/td-first-class-travel-visa-infinite-card\/\">TD First Class Travel<sup>&reg;<\/sup> Visa Infinite* Card<\/a> that stands out the most with the addition of access to VIP airport lounges. With four free accesses per year (a value of $285), it becomes one of <a href=\"https:\/\/milesopedia.com\/en\/best-credit-cards-in-canada\/travel\/\">the best travel credit cards<\/a> in Canada.<\/p>\n<p>There&#8217;s never been a better time to take advantage of the current welcome offer: up to <span class=\"nowrap\">135,000<\/span> <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/td-rewards\/\">TD Rewards<\/a> points ( <span class=\"nowrap\">$675<\/span> value in travel) and the first year free!<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='m-h'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_card container_template--m-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"22724\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card\">\n\t<div class=\"card--grid\">\n\n\t\t<div class=\"card--img-outer\">\n\t\t\t<div class=\"card--img\">\n\t\t\t\t<div class=\"shimmer shimmer-card\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--title-offer-selling\">\n\t\t\t<div class=\"card--title-offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"card--selling-points\">\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t\t<div class=\"shimmer shimmer-bar shimmer-bar--short\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card--apply\">\n\t\t\t<div class=\"apply-btn\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p class=\"ai-optimize-6\">As of May 1, 2025, TD is enhancing its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but is also increasing interest rates.<\/p>","protected":false},"author":2468,"featured_media":427878,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48417],"tags":[],"mc_loyalty_program":[],"class_list":["post-427894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","mc_market-all-of-canada"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>TD Credit Card Enhancements in Effect: VIP Lounge Access! | Milesopedia<\/title>\n<meta name=\"description\" content=\"Effective May 1, 2025, TD enhances its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but also increases interest rates and devalues a points redemption option.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TD Credit Card Enhancements in Effect: VIP Lounge Access!\" \/>\n<meta property=\"og:description\" content=\"Effective May 1, 2025, TD enhances its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but also increases interest rates and devalues a points redemption option.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-01T15:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-09-12T12:47:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Aeroport-1024x538-03.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"538\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alexandrine Bertrand\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/\"},\"author\":{\"name\":\"Alexandrine Bertrand\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/11435f41b936206e1821bb087d2865bb\"},\"headline\":\"TD Credit Card Enhancements in Effect: VIP Lounge Access!\",\"datePublished\":\"2025-05-01T15:00:00+00:00\",\"dateModified\":\"2025-09-12T12:47:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/\"},\"wordCount\":1953,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Aeroport-1024x538-03.jpg\",\"articleSection\":[\"Finance\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/\",\"name\":\"TD Credit Card Enhancements in Effect: VIP Lounge Access! | Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Aeroport-1024x538-03.jpg\",\"datePublished\":\"2025-05-01T15:00:00+00:00\",\"dateModified\":\"2025-09-12T12:47:06+00:00\",\"description\":\"Effective May 1, 2025, TD enhances its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but also increases interest rates and devalues a points redemption option.\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/news\\\/finance\\\/enhancements-td-cards\\\/#primaryimage\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Aeroport-1024x538-03.jpg\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/Aeroport-1024x538-03.jpg\",\"width\":1024,\"height\":538},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"name\":\"Milesopedia\",\"description\":\"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\",\"name\":\"Milesopedia Canada\",\"alternateName\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"width\":1600,\"height\":261,\"caption\":\"Milesopedia Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/11435f41b936206e1821bb087d2865bb\",\"name\":\"Alexandrine Bertrand\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Alexandrine-200x200.png\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Alexandrine-200x200.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2024\\\/12\\\/Photo-Profil-rond-Alexandrine-200x200.png\",\"caption\":\"Alexandrine Bertrand\"},\"description\":\"A passionate solo traveler, Alexandrine is an expert on loyalty programs such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travelers maximize their points and miles for low-cost, off-the-beaten-path getaways. A food lover, she enjoys discovering the local flavors and culinary traditions that enrich her adventures.\",\"sameAs\":[\"https:\\\/\\\/www.instagram.com\\\/alexandrineeb\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/in\\\/alexandrinebertrand\\\/\",\"jean-maximilien\"],\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/author\\\/alexandrine\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"TD Credit Card Enhancements in Effect: VIP Lounge Access! | Milesopedia","description":"Effective May 1, 2025, TD enhances its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but also increases interest rates and devalues a points redemption option.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/","og_locale":"en_US","og_type":"article","og_title":"TD Credit Card Enhancements in Effect: VIP Lounge Access!","og_description":"Effective May 1, 2025, TD enhances its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but also increases interest rates and devalues a points redemption option.","og_url":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/","og_site_name":"Milesopedia","article_publisher":"https:\/\/www.facebook.com\/milesopedia","article_published_time":"2025-05-01T15:00:00+00:00","article_modified_time":"2025-09-12T12:47:06+00:00","og_image":[{"width":1024,"height":538,"url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Aeroport-1024x538-03.jpg","type":"image\/jpeg"}],"author":"Alexandrine Bertrand","twitter_card":"summary_large_image","twitter_creator":"@milesopedia","twitter_site":"@milesopedia","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/#article","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/"},"author":{"name":"Alexandrine Bertrand","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/11435f41b936206e1821bb087d2865bb"},"headline":"TD Credit Card Enhancements in Effect: VIP Lounge Access!","datePublished":"2025-05-01T15:00:00+00:00","dateModified":"2025-09-12T12:47:06+00:00","mainEntityOfPage":{"@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/"},"wordCount":1953,"commentCount":0,"publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"image":{"@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Aeroport-1024x538-03.jpg","articleSection":["Finance"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/","url":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/","name":"TD Credit Card Enhancements in Effect: VIP Lounge Access! | Milesopedia","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/#primaryimage"},"image":{"@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Aeroport-1024x538-03.jpg","datePublished":"2025-05-01T15:00:00+00:00","dateModified":"2025-09-12T12:47:06+00:00","description":"Effective May 1, 2025, TD enhances its credit cards with new reward categories and the addition of airport lounge access for the TD First Class Travel Visa Infinite Card, but also increases interest rates and devalues a points redemption option.","inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/news\/finance\/enhancements-td-cards\/#primaryimage","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Aeroport-1024x538-03.jpg","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/01\/Aeroport-1024x538-03.jpg","width":1024,"height":538},{"@type":"WebSite","@id":"https:\/\/milesopedia.com\/en\/#website","url":"https:\/\/milesopedia.com\/en\/","name":"Milesopedia","description":"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada","publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/milesopedia.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/milesopedia.com\/en\/#organization","name":"Milesopedia Canada","alternateName":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","width":1600,"height":261,"caption":"Milesopedia Canada"},"image":{"@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/milesopedia","https:\/\/x.com\/milesopedia","https:\/\/www.linkedin.com\/company\/milesopedia","https:\/\/www.tiktok.com\/@milesopedia","https:\/\/www.youtube.com\/milesopedia"]},{"@type":"Person","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/11435f41b936206e1821bb087d2865bb","name":"Alexandrine Bertrand","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Alexandrine-200x200.png","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Alexandrine-200x200.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2024\/12\/Photo-Profil-rond-Alexandrine-200x200.png","caption":"Alexandrine Bertrand"},"description":"A passionate solo traveler, Alexandrine is an expert on loyalty programs such as Aeroplan, Avios, AIR MILES, Flying Blue and Marriott Bonvoy. With a budget-conscious approach, she helps travelers maximize their points and miles for low-cost, off-the-beaten-path getaways. A food lover, she enjoys discovering the local flavors and culinary traditions that enrich her adventures.","sameAs":["https:\/\/www.instagram.com\/alexandrineeb\/","https:\/\/www.linkedin.com\/in\/alexandrinebertrand\/","jean-maximilien"],"url":"https:\/\/milesopedia.com\/en\/author\/alexandrine\/"}]}},"_links":{"self":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/427894","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/users\/2468"}],"replies":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/comments?post=427894"}],"version-history":[{"count":20,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/427894\/revisions"}],"predecessor-version":[{"id":463076,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/427894\/revisions\/463076"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media\/427878"}],"wp:attachment":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media?parent=427894"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/categories?post=427894"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/tags?post=427894"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=427894"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}