Ratesopedia

Pros

  • First Year Annual Fee Rebate ($139 annual fee rebated)
  • Welcome Bonus: 146,000 points
  • Up to 6x on Groceries
  • Airport lounge access
  • Purchase protection included
  • Travel medical insurance included

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 146,000 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
  • 126,000 TD Rewards Points when you spend $7,500 within 180 days of account opening
  • An anniversary 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

Restaurants

6x

Transit

6x

Recurring

4x

Streaming

4x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

0.50¢/ point
0.25¢1.5¢
Groceries6x
$400/month
Restaurants6x
$160/month
Transit6x
$140/month
Recurring4x
$300/month
Streaming4x
$150/month
Gas2x
$300/month
All other spending2x
$700/month

Points Earned

96,000

TD Rewards/yr

Estimated Value

$480

After Fees

+$480

1st Year Value

$1,210

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 6x28,800 pts
Restaurants$1,920/yr × 6x11,520 pts
Transit$1,680/yr × 6x10,080 pts
Recurring$3,600/yr × 4x14,400 pts
Streaming$1,800/yr × 4x7,200 pts
Gas$3,600/yr × 2x7,200 pts
All other spending$8,400/yr × 2x16,800 pts
Total annual spend$25,800
Monthly spend$2,150
Average earn rate3.72x
Total points earned96,000 pts

Travel Insurance

Travel Medical

Up to $2,000,000 / 21 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

Interest Rates

  • Purchase Rate
    21.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    2.5%

Perks & Benefits

Airport Lounge

4 visits/year

Concierge Service

24/7

Annual Statement Credit

$100/year

Eligibility

Personal Income

$60,000

Household Income

$100,000

Terms & Conditions

Card Features

Earn up to $1,300 in value, including up to 146,000 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 126,000 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.

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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. Ratesopedia 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.