TD First Class Visa Infinite® Card Review
So you want to be able to redeem your points for any travel without any restrictions? Check. You want extraordinary travel benefits, such as best price guarantees and no cancellation fees through partnership with Canada’s leading travel deal site Expedia.ca? You’re covered.
The TD First Class Visa Infinite® card is a new breed of Canadian travel rewards cards offering flexibility, simplicity, transparency and value compared to traditional captive rewards and redemption chart programs like Avion, Aeroplan and Aventura.
TD First Class Visa: Earning Is Simple & Easy
The TD First Class Visa Infinite® card offers one of the highest earn rates in Canada, with no caps on earnings or complicated tiers. It’s probably the highest earning credit card for frequent travellers.
Earning is simple. Get 3 TD Points for every $1 spent on purchases made using your card and 9 TD Points for every $1 spent on travel purchases made online through ExpediaforTD.com.
If you travel a lot, and you don’t mind using Expedia for your travel needs, there are few credit cards in Canada that will give you as much bang for your buck on your travel spend. Plus, new cardholders are eligible to receive up to 40,000 TD points as a welcome bonus after making their first purchase and keeping the account open and in good standing for at least 90 days1. Plus plus, those who apply by August 27th, 2018 will get a rebate for the $120 annual fee (Primary Cardholder only).
TD First Class Visa: Book Any Travel, Any Way, Any Time
There are two simple and transparent ways to book travel with no restrictions. First, you can charge almost any travel expense to your credit card and then redeem your points for all travel related expenses that appear on your credit card bill within 90 days of purchase. So if you have a $300 travel credit banked, and you have $300 in travel charges on your card, simply apply your travel credit and you’re done. No charts, no caps, no fees.
TD points can be redeemed for any flight, hotel night, green fees, car rentals, theme parks, airport parking and of course taxes and fees! That is the most flexible travel redemption model available in Canada.
Alternatively, you can book through Expedia for TD, and instantly redeem for any purchase made online – your points go a little further this way, as we discussed above. The site will tell you the dollar value of the TD points you have on hand, and then you simply apply those points to your travel purchase, including taxes and fees, when checking-out. This is the most convenient redemption model available, and flexible as well.
TD First Class Premium Insurance & Perks
The robust insurance and perks alone make this card a travel workhorse. It has all the travel insurance essentials and then some, like out of province/country travel medical, trip cancellation, trip interruption, trip delay, and car rental insurance. In fact TD upgraded the trip cancellation from $1,000 to $1,500 of coverage per person and extended the travel medical coverage from 15 to 21 days! Just make sure to review all conditions in detail.
Is It Right for You?
The welcome bonus of up to 40,000 points is substantial. Plus, there is likely no earn rate greater than the 9 points per dollar rate you can achieve by booking and redeeming your travel through Expedia.ca. However, if most of your spend is not travel related, there are other cards that will earn you a better rate of return.
You will need to have a minimum personal income of $60,000 to be eligible for the card.
We love the card for its flexibility, earning power, simplicity and transparency, and it’s a steal of a card if you meet the income threshold and are willing to book through Expedia.ca.
¹ Welcome Bonus of 20,000 TD Points will be awarded to the TD First Class Travel Visa Account (“Account”) only after the first Purchase is made on the Account. To receive the additional 20,000 TD Points, you must have applied online by August 27, 2018, and keep your Account open, active and in good standing for 90 days after Account opening. You must apply for the credit card online to be eligible for this offer. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Rebate of the Annual Fee for the first year for the Primary Cardholder will occur when you have applied for an Account online by August 27, 2018. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
³ TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions (“Travel Terms”) contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment.
⁴ The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.
⁵ Subject to carrier/space availability.
⁶ TD Points do not expire as long as you are a Cardholder.
⁷ Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
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