What the Card Offers
TD markets the First Class Travel Visa Infinite as its flexible travel card: up to 160,000 TD Rewards Points, 8x on Expedia For TD, 6x on groceries, dining and transit, a $100 annual travel credit and 4 airport lounge visits.
- 8x
Points on Expedia For TD travel1
8 TD Rewards Points per $1 on travel booked through Expedia For TD.
- 6x
Points on groceries, dining and transit2
6 points per $1 on groceries, restaurants and public transit; 4x on recurring bills and streaming; 2x on everything else.
- $100
Annual TD Travel Credit3
A $100 statement credit once a year on an Expedia For TD hotel or vacation package booking of $500 or more.
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- 4
Airport lounge visits4
Four complimentary lounge visits a year at 1,200+ lounges through the Visa Airport Companion Program.
- 10%
Birthday bonus5
Each year, a bonus of 10% of the points you earned in the previous 12 months, up to 10,000 points.
- $2M
Travel medical insurance2
Up to $2 million of emergency medical coverage for the first 21 days of a trip (4 days if you're 65 or older), plus trip cancellation.
- 160,000
Welcome bonus points6
20,000 points on your first purchase and 140,000 after $7,500 in purchases within 180 days, plus a first-year fee rebate.
Benefits as advertised by the issuer. The conditions attached to them are in the Fine Print Report below.
Sources (6)
- TD First Class Travel Visa Infinite product page, footnote 6 (retrieved 2026-10-13)
- TD First Class Travel Visa Infinite product page (retrieved 2026-10-13)
- TD First Class Travel Visa Infinite product page, footnote 23 (retrieved 2026-10-13)
- TD First Class Travel Visa Infinite product page, footnote 30 (retrieved 2026-10-13)
- TD First Class Travel Visa Infinite product page, footnote 22 (retrieved 2026-10-13)
- TD First Class Travel Visa Infinite product page, footnote 1 (retrieved 2026-10-13)
Points & Redemption
Rates: TD Rewards Program Terms and Conditions 599188 (04/25), sections 3.2 and 3.3; TD Rewards Visa product page footnote 13 (Amazon.ca). The CardTruth estimate is our own valuation, not a rate stated in the terms. It assumes the redemption described above; most other options return less.
The Fine Print Report
Moderate fine print. The earn rates are generous, but their value depends on using Expedia For TD.
8x = 4%: points worth 0.5¢ at mostImpact level: High
TD Rewards Points are worth 0.5¢ at most, so 8x equals 4% and the 160,000-point bonus is about $800
TD Rewards Points are worth $1 per 200 points when redeemed for travel booked through Expedia For TD. Other redemptions are worth at least $1 per 400 points (0.25¢ each), and Amazon.ca pays 0.33¢. At the best rate, 8 points per dollar is a 4% return, 6x is 3% and the 2x base rate is 1%.
Why it matters: The multipliers look larger than other cards' because each point is worth less. Compare returns in percent: 6x here equals 3% back, if you redeem through Expedia For TD.
Medical cover drops to 4 days at 65+Impact level: High
Travel medical covers 21 days if you're under 65, but only the first 4 days if you're 65 or older
Emergency travel medical insurance covers up to $2 million for the first 21 days of a trip for insured persons 64 or under, and only the first 4 days for anyone 65 or older. Pre-existing conditions must be stable for 90 days before departure (180 days if 65+).
Why it matters: Older travellers need separate medical insurance for most trips, even with this card's travel package.
Best earn and value need Expedia For TDImpact level: Medium
The 8x rate, the best redemption value and the $100 credit all require booking through Expedia For TD
Travel booked anywhere other than Expedia For TD earns the 2x base rate, and TD's terms say this includes bookings with Expedia Inc. itself. Redeeming points for travel booked elsewhere is an Other Redemption Option worth at least 400 points per $1, half the Expedia For TD value. The $100 Travel Credit needs a single Expedia For TD hotel or vacation package booking of $500 or more.
Why it matters: If you prefer booking directly with airlines and hotels, your points earn less and are worth less.
6x/4x capped at $25,000 per categoryImpact level: Medium
The 6x and 4x rates stop after $25,000 a year in each category
Groceries, dining, public transit, and recurring bills and streaming each earn their bonus rate on the first $25,000 of purchases in a year, then 2x for the rest of the year. The year runs from your January statement.
Why it matters: The caps are generous for most households, but a family spending over $2,000 a month on groceries will hit the grocery cap.
140k of the bonus needs $7,500 in 180 daysImpact level: Medium
140,000 of the 160,000 bonus points need $7,500 in spending within 180 days
The first purchase earns 20,000 points; the other 140,000 require $7,500 in net purchases within 180 days of opening. The offer excludes anyone who activated or closed a First Class Travel account in the last 12 months, and TD can switch your account to whatever offer is current if you don't activate the card while this one runs.
Why it matters: Activate the card as soon as it arrives so the offer you applied under is the one you get.
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Points lost if TD closes your accountImpact level: Medium
If TD closes the account, all points are lost immediately; a year without earning or redeeming can trigger closure
If TD closes the account for any reason, every TD Rewards Point is forfeited immediately (outside Quebec). If you close it yourself, you have 90 days to redeem. An account with no points earned or redeemed for a year is considered inactive, and TD may close it and set an expiry date for the points.
Why it matters: Redeem points regularly and don't leave a large balance on a card you've stopped using.
2.5% FX fee, charged again on refundsImpact level: Medium
2.5% foreign currency fee, charged again when a foreign purchase is refunded
Purchases in a foreign currency are converted by Visa and charged a 2.5% foreign currency conversion fee. If a foreign purchase is refunded, TD deducts another conversion fee from the refund and does not return the fee it charged on the original purchase.
Why it matters: A $500 USD hotel deposit that's refunded in full costs you about 5% of its value in fees (2.5% going out, 2.5% coming back), plus any exchange-rate movement in between.
2 late payments: higher rates for a yearImpact level: Medium
Two late payments in 12 months move you to higher interest rates for at least a year
If TD doesn't receive your minimum payment on time twice within 12 consecutive statement periods, it raises your interest rates to the higher rates in your Disclosure Statement. The higher rates start the next statement period and only end after 12 consecutive on-time minimum payments.
Why it matters: If you ever carry a balance, two late payments make it more expensive for at least 12 months. Automatic minimum payments avoid this.
Missed payment: TD can debit other accountsImpact level: Medium
After one missed payment, TD can take money from your other TD accounts without notice
If your full minimum payment isn't received by the due date, the account is no longer in Good Standing. TD may then deduct money from any other account the Primary Cardholder has with the TD Bank Group, with or without notifying you, and may demand the full balance.
Why it matters: If your chequing or savings account is also at TD, a single missed payment can lead to a withdrawal you didn't schedule, which could bounce other payments.
4 lounge visits a year, shared with guestsImpact level: Low
The 4 lounge visits are for the primary cardholder only and are used up by guests too
Only the primary cardholder can enroll in the Visa Airport Companion Program. The 4 complimentary visits per membership year cover the cardholder and any accompanying guests; each visit after that costs $32 USD per person.
Why it matters: Two people travelling together use 2 visits per lounge stop.
Who This Card Is For
Great fit if you...
- Book travel through Expedia For TD
- Spend heavily on groceries and dining
- Want included travel medical under age 65
- Can spend $7,500 in 6 months for the bonus
- Prefer flexible points over an airline program
Consider alternatives if you...
- Book travel directly with airlines or hotels
- Want airline transfer partners
- Are 65+ and take trips longer than 4 days
- Redeem points for things other than travel
- Make many foreign-currency purchases
Welcome Bonus History
TD First Class Travel Welcome Bonus History
The Verdict
The First Class Travel Visa Infinite earns well if you book through Expedia For TD: 8x there and 6x on groceries, dining and transit work out to 4% and 3% back.
Outside Expedia For TD the value drops quickly, because other redemptions are worth half as much and travel booked elsewhere earns the 2x base rate. Travel medical drops to 4 days at 65 or older.
The Recommendation: A good fit if you're happy booking through Expedia For TD. If you'd rather book directly or transfer to airlines, the Amex Cobalt's Membership Rewards points are more flexible.
Before you apply: This teardown is general information, not financial, legal or insurance advice, and reflects the issuer's documents as of October 2026. Terms, rates, fees and offers change, and the issuer's own agreement, disclosure statement, insurance certificates and program terms are what govern your card. Read them in full and confirm details with the issuer before you apply. Full disclaimer