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TD First Class Travel® Visa Infinite* Card
TDTD RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $139
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,039
Welcome offerAfter $7,500 in 6 months
Up to 160,000 points
Apply Now

on TD's website

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†.

Legal

†Terms and conditions apply.

Annual fee

Primary card$139
Additional card$50

Annual income required

Individual$60,000
Household$100,000

Conversion fees

2.5%

Earning rate

  • 6xGroceries
  • 6xRestaurants
  • 6xTransit
  • 4xBills & recurring payments
  • 4xStreaming
  • 2xAll spending

Value

1st Year Value$1,406
2nd Year Value$531

Card benefits

Concierge service24/7
Airport lounge access$160

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 CancellationUp to $1,500
Trip InterruptionUp to $5,000
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days
BMO Blue Rewards World Elite Mastercard
BMO Blue Rewards World Elite®* Mastercard®*
BMOBlue RewardsFirst-Year Annual Fee Rebate
Annual feeNo annual fee the first year
$0 $150
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$670Annual fee rebated$150Total$820Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$820
Welcome offerAfter $20,000 in 12 months
Up to 100,000 points
Ends Oct 31, 2026
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Loyalty Program
Blue Rewards
Fees and terms
Annual Fee
$150/yr
Additional card
$50
Min. annual income
$80,000+
Household income
$150,000+
Interest rates
Purchases
21.99 %
Cash advance
23.99 %
Balance transfer
23.99 %
Foreign transaction fee
2.5 %

Issuer terms

Welcome Offer: Get up to $1,600 in value and the annual fee waived in the first year. Plus, get a 0% introductory interest rate on balance transfers for 12 months with a 2% transfer fee*.

  • Earn 10 Points for every $1 spent at participating Blue Rewards Partners, up to $25,000 in net purchases per calendar year*
  • Earn 2 Points for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases, up to $500 per category, per statement cycle*
  • Earn 1 Point for every $1 spent on everything else*

Benefits

  • Up to $1,600 in value*
  • $200 NEXUS Statement Credit in your first year*
  • Airport lounge access with complimentary membership in Mastercard Travel Pass provided by DragonPass, plus 4 free passes per calendar year.*
  • Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
  • Get the $150 annual fee rebated annually with our BMO Premium Chequing Account*
  • Unlock exclusive offers at top brands through Blue Rewards offers
  • Out-of-province/out-of-country emergency medical insurance up to $5 million per insured person, per trip – up to 15 consecutive days.*
  • Get up to 15% off a Global Data Roaming plan and up to 3GB of data without any additional charges with FlexiRoam.*
  • Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
  • Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
  • Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
  • Extended warranty and purchase protection*
  • Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Read full review
Rewards
Rate
Groceries
2x
Gas & EV
2x
Benefits
Airport lounges
$200
Travel insurance
Coverage
Travel medical (under 55)
15 days
Travel medical (55-64)
15 days
Trip Cancellation
✓
Trip Interruption
✓
Delayed Baggage
✓
Lost Baggage
✓
Flight Delay
✓
Hotel Burglary
✓
Travel Accident
✓
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision
48 days
Read full review

Pros

  • First Year Annual Fee Rebate
  • Welcome bonus of up to 100,000 points
  • 2x on groceries

Cons

  • Requires good credit

With this offer for the BMO Blue Rewards World Elite Mastercard, you can get up to $1,600 in value. In addition, you pay no annual fee in the first year.

Here’s how to get your full welcome offer:

  • 45,000 points after $5,000 in purchases within the first 110 days after account opening
  • 20,000 points after $10,000 in purchases within the first 180 days after account opening
  • 35,000 points after $20,000 in purchases within the first 365 days after account opening

So, to get your full welcome offer, you’ll need to spend $20,000 in the first year…

Read full review
BMO Blue Rewards Mastercard
BMO Blue Rewards Mastercard®*
BMOBlue Rewards
Annual fee
$0
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$134Total$134Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$134
Welcome offerAfter $1,500 in 3 months
20,000 points
Ends Oct 31, 2026
Apply Now

on BMO's website

Features
Issuer
BMO
Network
Loyalty Program
Blue Rewards
Fees and terms
Annual Fee
$0
Additional card
$0
Min. annual income
—
Household income
$0+
Interest rates
Purchases
21.99 %
Cash advance
23.99 %
Balance transfer
23.99 %
Foreign transaction fee
2.5 %

Issuer terms

Welcome Offer: Get 20,000 Bonus Points and a 0.99% introductory interest rate on balance transfers for 9 months with a 2% transfer fee*. Plus, earn rewards from over 400 brands.*

  • Earn 5 Points for every $1 spent at participating Blue Rewards Partners, up to $15,000 in net purchases per calendar year*
  • Earn 1 Point for every $1 spent on groceries, gas, electric vehicle charging, wholesale and alcohol purchases, up to $500 per category, per statement cycle*
  • Earn 0.5 Points for every $1 spent on everything else*
  • Earn additional Points on top of your credit card Points when you use your physical or digital Blue Rewards Member Card at checkout*
  • Get even more Blue Points when you add an extra cardholder for free

Benefits

  • Redeem any amount of Points to reduce what you pay out of pocket when using a combination of your BMO Blue Rewards credit card and Points*
  • Redeem your Points for entertainment, merchandise, eGift Cards, in-store purchases and more*
  • Unlock exclusive offers at top brands through Blue Rewards offers
  • Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
  • Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
  • Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing.*
  • Extended warranty and purchase protection*
  • Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Read full review
Rewards
Rate
Groceries
1x
Gas & EV
1x
Purchase protection
Coverage
Purchase Protection
90 days
Extended Warranty
+1 year
Auto Rental Collision
48 days
Read full review

Pros

  • No annual fee
  • Welcome bonus of 20,000 points

Cons

  • Fewer premium perks

With this offer for the BMO Blue Rewards Mastercard, you receive a 20,000 Blue Rewards points welcome bonus. In addition, you benefit from a 0.99% introductory interest rate on balance transfers for nine months.

With the BMO Blue Rewards Mastercard, you earn 5 points per dollar at participating Blue Rewards partners and 1 point per dollar on groceries, gas, electric vehicle charging, wholesale and alcohol purchases (including Costco). And 0.5 point per dollar on all other purchases. The 5-point rate applies on up to $15,000 in net purchases per calendar year at partners, and the 1-point rate on up to $500 per category, per statement cycle.

Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.

Read full review
See more cards →

Why BMO Blue Rewards?

BMO Blue Rewards is BMO's own in-house points program, earned on the BMO Blue Rewards Mastercard and the BMO Blue Rewards World Elite Mastercard. Points are redeemable for travel, merchandise, and other rewards through BMO Rewards.

FAQ

Frequently Asked Questions

Which cards earn BMO Blue Rewards points?

Two BMO credit cards earn Blue Rewards: the BMO Blue Rewards Mastercard and the BMO Blue Rewards World Elite Mastercard.

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