The TD First Class Travel® Visa Infinite* Card carries the biggest welcome offer in Canada right now: up to 146,000 TD Rewards Points, worth about $730 when applied to travel booked through Expedia for TD, plus a first-year fee rebate and a $100 annual TD Travel Credit.
It is the second best-selling card in our entire network. Here is how the offer works, the earn rates behind it, and where it fits against the other leaders in our best travel credit cards ranking.
Welcome Offer: Up to 146,000 Points
The structure is simpler than the headline suggests:
- 146,000 TD Rewards Points: when you spend $7,500 in the first 6 months
- $100 TD Travel Credit: an annual credit against travel booked through Expedia for TD
- First year free: the $139 annual fee is rebated for the primary and additional cardholders
Earn Rates
Daily-life categories do the heavy lifting, at some of the highest posted rates in the country:
| Category | Points per $1 |
|---|---|
| Groceries | 6 |
| Restaurants | 6 |
| Daily transit | 6 |
| Recurring payments and streaming | 4 |
| All other purchases | 2 |
Perks and Insurance
- $100 TD Travel Credit: every year, on an Expedia for TD hotel or vacation booking
- No blackout logic: points erase any travel booked through the portal, taxes included
- Insurance: travel medical, trip cancellation and interruption, rental car coverage, mobile device insurance, purchase protection and extended warranty
Because points apply against portal bookings rather than a single airline, availability is never the constraint; the trade-off is that the per-point value is fixed rather than optimizable.
Fees and Eligibility
| Item | Amount |
|---|---|
| Annual fee | $139 (rebated year 1) |
| Additional card | $50 |
| Purchase rate | 21.99% |
| Cash advance rate | 22.99% |
| Foreign currency conversion | 2.5% |
| Minimum income | $60,000 personal or $100,000 household |
Spending abroad still costs the 2.5% conversion fee; pair it with a no-FX-fee card from our travel ranking if you travel outside Canada often.
Who This Card Is For
- Big-balance hunters: no other Canadian card posts an offer near 146,000 points this year
- Portal bookers: people who already shop travel on price rather than airline loyalty
- Six-times-per-dollar spenders: heavy grocery, restaurant and transit budgets convert at 3% travel value
Who Should Look Elsewhere
- Point optimizers: the fixed 0.5-cent rate caps the upside a transferable currency can beat
- Frequent US travellers: the 2.5% FX fee argues for pairing with a no-FX card
How It Compares
The natural comparisons are the National Bank World Elite, which trades the giant offer for 5x everyday earning and travel-fee refunds, and the CIBC Aventura Visa Infinite, which posts a smaller offer but adds four annual lounge passes. The TD wins on first-year value; the other two win on long-run perks.
Our Verdict
If the goal is the largest possible points balance this year, the TD First Class Travel® Visa Infinite* Card is the answer: no other Canadian card posts an offer near 146,000 points, and the 6x categories keep feeding the balance after the bonus.
Optimizers chasing premium-cabin value per point will prefer a transferable currency; everyone who just wants travel paid for at a predictable rate is the exact audience here. Run it against the alternatives in our comparison tool.
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