The TD First Class Journey® Visa Infinite* Card gives a strong welcome bonus, beneficiant incomes charges, and powerful journey insurance coverage.
This card earns versatile TD Rewards Factors, which will be redeemed in various methods however are most useful when redeemed for journey booked by way of Expedia® for TD.
On this assessment, we’ll discover what’s on supply with this card that will help you decide if it is perhaps price including to your pockets as a part of your total Miles & Factors technique.
At a Look
- Annual Price: $139
- Supplementary cardholders: $50 (for first card), $0 (for all further playing cards)
- Minimal annual earnings: $60,000 (private, $100,000 (family)
- Estimated credit score rating: Good to Glorious
- Score: 4/5
What we love: airport lounge entry, good journey insurance coverage, and versatile factors redemptions
What we’d change: take away international transaction charges to make it a stronger journey bank card alternative
Rotating Robust Welcome Bonus
In the previous few years, the TD First Class Journey® Visa Infinite* Card has supplied a welcome bonus that ranges from 75,000–165,000 TD Rewards Factors, which are price round $375–675 (all figures in CAD) in worth relying on the way you select to redeem the factors.
The welcome bonus is usually supplied in a few chunks, with a small proportion being earned upon your first buy and the remainder being earned after you meet a single minimal spending requirement.
As at all times, with a minimal spending requirement, you’ll need to be conscientious when making use of for the cardboard to ensure you have sufficient upcoming bills to earn the total welcome bonus. Pleasantly, the minimal spending requirement for the TD First Class Journey® Visa Infinite* Card has traditionally been very cheap, requiring round $5,000-7,500 in spending over a 180-day interval.
With the cardboard additionally usually waiving the annual price for the primary yr, this can be a very sturdy welcome supply that may add some actual worth to your Miles & Factors portfolio.
TD First Class Journey® Visa Infinite* Card
- Earn 20,000 TD Rewards Factors upon making your first buy†
- Earn 145,000 TD Rewards Factors upon spending $7,500 inside 180 days of account opening†
- Plus, earn a Birthday Bonus of as much as 10,000 TD Rewards Factors†
- Plus, earn 8x TD Rewards Factors† on eligible journey purchases once you e book by way of Expedia® for TD†
- Get an annual TD Journey Credit score† of $100 once you e book by way of Expedia® for TD†
- Use your rewards for any journey bookings out there on Expedia® for TD†
- 4 complimentary lounge visits by way of the Visa Airport Companion Program†
- Minimal earnings: $60,000 private or $100,000 family
- Annual price: $139, rebated for the primary yr†
- Supply efficient as of September 4, 2025†
Robust Incomes Charges
The TD First Class Journey® Visa Infinite* Card earns TD Rewards Factors in a tiered construction, as follows:
- Earn 8 TD Rewards Factors per greenback spent on eligible journey booked by way of Expedia® for TD †
- Earn 6 TD Rewards Factors per greenback spent on eligible groceries and eating places †
- Earn 4 TD Rewards Factors per greenback spent on eligible recurring invoice funds, streaming, digital gaming and media purchases †
- Earn 2 TD Rewards Factors per greenback spent on all different eligible purchases †
These charges are equal to a 4%, 3%, 2%, and 1% return, respectively, when you select to redeem your factors for his or her most worth of 0.5 cents per level, out there on journey booked by way of Expedia® for TD.
If you happen to usually e book your journey by way of Expedia (otherwise you’re prepared to begin doing so), these are some notably beneficiant incomes charges.
Plus, incomes as much as 3% in return worth on groceries and eating places and as much as 2% again on recurring invoice funds is fairly good by any measure, albeit not one of the best in Canada.
It’s price noting that there’s a $25,000 annual spending cap for every of the elevated classes. When you’ve reached it, your incomes price will drop right down to the baseline price of two TD Rewards Factors per greenback spent.†
Versatile Rewards Forex
As we talked about above, the TD First Class Journey® Visa Infinite* Card earns TD Rewards Factors. These versatile factors will be redeemed in many alternative methods, together with for merchandise, present playing cards, assertion credit, and journey.
Though TD Rewards Factors can’t be transferred to any exterior airline or lodge loyalty packages, you’ll be able to nonetheless redeem them for flights, accommodations, and different journey bills by both reserving by way of Expedia® for TD or instantly with any vendor.
These two choices are essentially the most useful methods to redeem your TD Rewards factors, permitting you to get pleasure from a worth of 0.5 cents per level when redeeming by way of Expedia® for TD and 0.4 cents per level when reserving your personal journey instantly with distributors.
Due to their flexibility, TD Rewards Factors will be very useful to have round since they may also help cowl journey bills that may’t be booked by way of different loyalty packages, like cruises, excursions, and Disney tickets, saving you a good sum of money in your subsequent journey.
Moreover, with the Ebook Any Manner function, you’ll be able to e book an Airbnb or instantly with a smaller boutique lodge after which apply your TD Rewards Factors as an announcement credit score to offset the associated fee.
Additionally, when you redeem your TD Rewards Factors towards bigger Ebook Any Manner journey bills, you’ll achieve entry to an improved redemption price of 0.5 cents per level for any quantity over $1,200.†
You’ll be able to learn extra about these versatile factors and methods to maximize their worth in our TD Rewards information.
Extra Perks & Advantages
By way of perks and advantages, the TD First Class Journey® Visa Infinite* Card gives a $100 journey credit score in your first eligible lodge or trip package deal bookings over $500 made by way of Expedia® for TD,† and the cardboard additionally gives reductions on automobile leases by way of Avis and Price range.†
The cardboard additionally comes with 4 complimentary annual lounge passes by way of the Visa Airport Companion Program. With these passes, you’ll be able to entry taking part lounges worldwide, which provides consolation and comfort to your travels.†
Moreover, you’ll obtain a Birthday Bonus of factors in your card’s yearly anniversary which is the same as 10% of the overall variety of factors you earned all through the previous 12 months, as much as 10,000 factors.
What Else Does the Card Supply?
Along with the sturdy incomes charges, versatile factors, and the perks listed above, the TD First Class Journey® Visa Infinite* Card additionally gives sturdy and diversified journey insurance coverage, together with journey medical insurance coverage, flight/journey delay insurance coverage, journey cancellation/journey interruption insurance coverage, automobile rental insurance coverage, and extra.
In reality, this card was voted because the winner of the 2023 Prince of Journey Awards for Finest Credit score Card for Journey Insurance coverage!
The total breakdown of the insurance coverage supplied on this card is as follows:
- Widespread service journey accident insurance coverage: As much as $500,000†
- Journey medical insurance coverage: as much as $2 million for 21 days (aged 64 and youthful) or 4 days (aged 65 and older)†
- Flight/journey delay insurance coverage: As much as $500 for delays of 4 hours or extra†
- Journey cancellation insurance coverage: as much as $1,500 per particular person ($5,000 most)†
- Journey interruption insurance coverage: as much as $5,000 per particular person ($25,000 most)†
- Delayed and misplaced baggage insurance coverage: As much as $1,000 for delays of six hours or extra†
- Auto rental collision/loss harm insurance coverage: As much as 48 consecutive days†
- Resort/motel housebreaking insurance coverage: As much as $2,500†
As a cardholder, you’ll additionally get pleasure from entry to product safety and prolonged guarantee protection, plus cellular gadget insurance coverage, all of which might prevent a ton of cash in case your new cellular gadget or product will get by accident broken or stolen.
What We Want It Supplied
Whereas the TD First Class Journey® Visa Infinite* Card is powerful total, there are a couple of areas that could possibly be improved to make it a top-tier journey card.
First, the two.5% international transaction price makes it much less interesting for purchases overseas. An amazing journey card must be the one you depend on each at house and whereas travelling.
Many accommodations require fee upon check-in, which regularly means a international foreign money cost when you’re exterior Canada. Add eating, transportation, and day-to-day bills to the combination and out of the blue you’re paying an additional 2.5% on virtually all the pieces. That’s removed from ideally suited.
One other limitation is the shortage of switch companions. TD Rewards Factors are versatile for fixed-value redemptions, however in contrast to packages equivalent to American Specific Membership Rewards, they will’t be transformed into airline or lodge loyalty currencies. That limits your upside when you’re chasing premium flights or luxurious lodge stays.
Lastly, redemptions exterior of Expedia for TD solely fetch 0.4 cents per level. It could be a significant enchancment if TD supplied a flat 0.5 cents per level throughout all journey bookings, much like how Scene+ factors at all times redeem at 1 cent per level for any journey buy.
This might be particularly helpful since platforms like Reserving.com or Agoda typically worth accommodations extra competitively in areas equivalent to Asia.
Conclusion
The TD First Class Journey® Visa Infinite* Card is a good card for offsetting journey bills because of its beneficiant incomes charges and persistently sturdy welcome bonus.
Incomes TD Rewards Factors, this card is especially good at serving to you cowl journey bills which can be in any other case tough to entry with loyalty packages, equivalent to Disney tickets, boutique accommodations, and actions/excursions.
Plus, with its strong journey insurance coverage protection, this card can help your adventures in additional methods than one and is definitely price contemplating when you’re capable of make the most of its many options and advantages.
† Phrases and situations apply. Please confer with the TD web site for essentially the most up-to-date product data.
