TD First Class Travel Review: Up to 160,000 Points
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The TD First Class Travel® Visa Infinite* Card carries the biggest welcome offer in Canada right now: up to 160,000 TD Rewards Points, worth about $800 when applied to travel booked through Expedia for TD, plus a first-year fee rebate, a $100 annual TD Travel Credit, an annual birthday bonus and four complimentary airport lounge visits.
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.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 |
Welcome Offer: Up to 160,000 Points
The headline number is two bonuses stacked, on top of the recurring perks:
- 20,000 TD Rewards Points: on your first purchase with the card
- 140,000 TD Rewards Points: when you spend $7,500 within 180 days of account opening
- Up to 10,000 TD Rewards Points: an annual birthday bonus, every year you hold the card
- $100 TD Travel Credit: an annual credit on a booking of $500 or more through Expedia for TD
- First year free: the $139 annual fee is rebated for the primary and additional cardholders
- 4 complimentary lounge visits: through the Visa Airport Companion Program, a value of up to $277
Earn Rates
Daily-life categories do the heavy lifting, at some of the highest posted rates in the country:
| Category | Points per $1 |
|---|---|
| Travel booked through Expedia for TD | 8 |
| Groceries | 6 |
| Restaurants | 6 |
| Daily transit | 6 |
| Recurring bill payments, streaming, digital games and media | 4 |
| All other purchases | 2 |
Perks and Insurance
- $100 TD Travel Credit: every year, on an Expedia for TD booking of $500 or more
- 4 complimentary lounge visits: through the Visa Airport Companion Program, at more than 1,200 lounges worldwide, a value of up to $277
- Birthday bonus: up to 10,000 TD Rewards Points every year you hold the card
- Visa Infinite Concierge: available 24/7 at no extra cost
- No blackout logic: points erase any travel booked through the portal, taxes included
- Travel insurance: $2 million in emergency medical coverage for 21 days (4 days from age 65), $1,500 trip cancellation, $5,000 trip interruption, $1,000 lost or delayed baggage and $500 flight delay
- Everyday coverage: rental car collision up to $65,000 for 48 days, $1,000 mobile device insurance, 90-day purchase protection and a one-year 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 160,000 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, up to the $25,000 annual cap per category
- Occasional lounge users: four complimentary visits a year without paying for a membership
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 and matches the TD's four annual lounge passes. The TD wins on first-year value and on the 6x daily categories; the other two win on long-run everyday earning and travel-fee refunds.
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 160,000 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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TD First Class Travel Visa Infinite – Frequently Asked Questions
How much is the TD First Class Travel welcome offer worth?
Up to 160,000 TD Rewards Points, split in two: 20,000 on your first purchase, then 140,000 once you spend $7,500 within 180 days of account opening. At the fixed portal rate of 0.5 cents per point, that is about $800 applied to travel booked through Expedia for TD, on top of the first-year fee rebate and the $100 annual TD Travel Credit.
How do TD Rewards Points redeem?
Primarily against travel booked through Expedia for TD, at 0.5 cents per point, with no blackout logic and taxes covered. Points can also redeem for statement credits or gift cards, but at lower value, so travel is the rate to plan around.
What are the earn rates?
The card earns 8 points per $1 booked through Expedia for TD, 6 points on groceries, restaurants and daily transit, 4 points on recurring bill payments and streaming, and 2 points on everything else. On the 6x categories, that works out to a 3% return in travel value. The accelerated categories are capped at $25,000 of annual spend each; above the cap, purchases earn the base 2 points.
Is there a foreign transaction fee?
Yes, 2.5% like most Canadian cards. If you spend abroad regularly, pair this card with a no-FX-fee option; our best travel credit cards ranking flags which leaders waive that fee.
TD First Class Travel or TD Aeroplan Visa Infinite?
Same issuer, different logic. First Class Travel pays a bigger, fixed-value offer and works on any portal booking. The Aeroplan card earns airline points worth more per point on flight redemptions and adds the free checked bag on Air Canada. Big balance and simplicity: First Class. Air Canada loyalty: Aeroplan.
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