TD First Class Travel® Visa Infinite* Card Review

Annual Fee
Annual Fee Rebate
Sign Up Bonus Points
Conditions Apply, Up to
Purchase APR
Regular Balance Transfer Rate
Cash Advance Interest Rate
Min Personal Income Required
Recommended Credit Score
740 850 670 739 580 669 0 579
Earn up to 145,000 TD Rewards Points plus, first year no Annual Fee for the Primary and Additional Cardholders. Conditions Apply. Must apply by May 28, 2023.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

Unfortunately the card leaves a bit to be desired due to its relative lack of auxiliary travel features. This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Pros and Cons of the TD First Class Travel® Visa Infinite* Card


  • Major combined value for the welcome bonus (up to $1,000)
  • Good base earn rate on all purchases
  • Huge earn rate when you book travel through Expedia® For TD
  • Very flexible redemption options
  • $100 TD Travel Credit
  • Visa Infinite Benefits
  • Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan


Welcome Bonus

Earn up to $1,000 in value including up to 145,000 TD Rewards Points, and get a full Annual Fee Rebate for the Primary and 1st Additional Cardholder for the first year and additional travel benefits. Must apply online by May 28, 2023.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card
  • Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening
  • Earn a Birthday Bonus of up to 10,000 TD Rewards Points
  • Get an annual TD Travel Credit of $100 when you book at Expedia® For TD

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by May 29, 2023.

Apply now

Earning TD Points

  • Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD
  • Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants
  • Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account
  • Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card

Points don’t expire as long as your account is active, and the card has no caps on the total amount of TD Points that can be earned.

Redeeming TD Points

Though there are a number of redemption options with TD Points, you get the best value when redeeming for travel via one of two methods:

Book Any Way

The Book Any Way redemption path allows you to charge eligible travel expenses to your credit card and then retroactively redeem your points for those expenses within 90 days of the expense date. Travel expenses may include but are not limited to:

  • Flights
  • Air travel taxes
  • Baggage fees
  • Airport parking and shuttles
  • Car rentals
  • Local commuter transport, like trains, buses or subways
  • Cruises
  • Lodging
  • Travel attractions and entertainment

Each point redeemed via Book Any Way is worth $0.004 for the first $1,200 of any redemption and $0.005 for the remainder of any redemption above $1,200.

Expedia® For TD

Points can alternatively be redeemed for flights, hotels, vacation packages and rental cars via Redeeming with this method yields a flat value of $0.005 per point. The site will indicate the dollar value of the TD points you have on hand, and then you apply those points to your travel purchase when checking out.

Aside from the high value in earning and redeeming rewards via, the platform also provides a nice Price Guarantee feature: If you find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in, Expedia will refund the difference between what you paid and the lower rate you found.

Other Redemption Paths

TD Points can also be redeemed for the following, though the value you get per point tends to be lower than what you get for the above two travel redemption methods.

  • Amazon’s Shop with Points: Select your TD card as your method of payment at checkout, then automatically apply points toward your purchase. 10K TD Points can be redeemed for $33 (value of $0.0033 per point) and can be redeemed for purchases either in part or in full.
  • TD’s Shop the Mall: Redeem points for clothing, electronics and computers from retailers like Roots, Zara, and the Body Shop.
  • TD’s Shop the Catalogue: Redeem points for merchandise including clothing, games, furniture, and appliances.
  • Gift cards at retailers like Bed Bath & Beyond, Best Buy, Canadian Tire, and more.
  • Cash statement credit for your TD card account. This requires a minimum 10K points to redeem. The first 10,000-point minimum is worth $0.005 per point and then each additional 400 points is worth $1 (0.0025 per point).
  • Education credit via Credits must be purchased in minimum 62,500 points/$250 credit increments, for a redemption value of $0.004 per point.

Insurance and Protections

The card’s suite of travel insurance, car rental insurance, and purchase coverage is adequate, though not the best in the field for its price point.

Coverage TypeCoverage Level
Travel Medical Insurance (below age 65)Up to $2 million for first 21 days
Travel Medical Insurance (above age 65)$2 million for first 4 days
Trip Cancellation$1,500 per person; max $5,000 per group
Trip Interruption$5,000 per person; max $25,000 per group
Common Carrier Travel AccidentUp to $500,000
Delayed and Lost BaggageMax $1,000 per person with baggage lost or delayed for at least 6 hours
Auto Rental Collision/Loss Damage InsuranceUp to 48 consecutive days of coverage
Extended WarrantyUp to 12 additional months of coverage for items with valid manufacturer’s warranty
Purchase SecurityEligible items are covered if they are stolen or damaged within 90 days of purchase
Hotel/Motel Burglary InsuranceCoverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder.
Mobile Device InsuranceUp to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.

Compared to competing Canadian travel credit cards with a comparable annual fee, some notable weaknesses in the above suite of travel insurance include the relatively brief coverage periods of Travel Medical Insurance; low-ish maximums for Trip Cancellation payouts. A comparative strength of the TD First Class Travel® Visa Infinite* Card is its Trip Interruption coverage, which is very generous.

You can check out our guide to credit card travel insurance to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

Apply now

Other Benefits

The TD First Class Travel® Visa Infinite* Card entitles cardholders to a 10% discount at Avis and Budget car rentals in Canada and the United States, and a 5% discount on international Avis and Budget car rentals.

Fees, Rates and Eligibility Requirements

The card’s $60,000 individual and $100,000 household annual income requirements are reasonable for a travel credit card with rewards earn rates at this level, as are the $139 annual fee for the primary cardholder and $50 annual fee for each additional Authorized User. Other fees and interest rates are also standard, with a 20.99% purchase interest rate; 22.99% balance transfer rate; 22.99% cash advance rate; and 2.5% foreign transaction fee.

One very unusual card benefit is the possibility of getting both the primary cardholder’s $139 annual fee and an additional Authorized User’s $50 annual fee fully rebated every year. This feature is available to new cardholders who are also members of TD’s All-Inclusive Banking Plan. It’s rare for Canadian banks to really reward clients that bundle together multiple products, and it’s an incentive that other financial institutions might do well to take note of.

How Does It Compare to Competing Travel Cards?

 TD First Class Travel® Visa Infinite* CardScotiabank Gold American Express® Card
BMO Ascend™ World Elite®* Mastercard®*
Annual Fee$139 (first-year annual fee rebate)$120$150
Sign-Up Bonus ValueUp to $1,000. Conditions Apply. Must apply by May 28, 2023.Earn up to $650* in value in the first 12 months, including up to 40,000 bonus Scene+ points¹. Offer ends October 31, 2023.Get up to 60,000 points and the annual fee waived in the first year for both the primary cardholder and authorized users*
Regular Earn Rate2 points per $1 (1% return)1X Scene+ point for every $1 (1% return)1 point for every $1 spent everywhere else* (0.67% return)
Special Earn RateEarn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD (4% return)6X Scene points on every $1 CAD at eligible grocers in Canada¹; 5X Scene+ points for every $1 CAD (5% return) on eligible groceries, dining and entertainment5x the points for every $1 spent on eligible travel purchases* (3.3% return), 3x the points for every $1 spent on eligible dining and entertainment purchases and recurring bill payments* (2% return)
Added-Value FeaturesAnnual fee rebated for TD All-Inclusive Banking Plan accountholdersNo foreign transaction feesComplimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes.
Travel Insurance PackageGenerous trip interruption coverageAbove-average coverage in all major categoriesMissing hotel burglary coverage; average/above average coverage elsewhere*

When compared to competing travel credit cards with comparable annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD. The foreign transaction fees, lack of free airport lounge access and middling travel insurance package might ultimately make it a better card for those who do a significant amount of domestic travel; those who frequently find themselves overseas might consider a different travel credit card with more globetrotter-friendly perks, such as:

Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

¹ Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more.

BMO Ascend™ World Elite®* Mastercard®*

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.* You can learn more about this card by reading our complete BMO Ascend™ World Elite®* Mastercard®* review.

Apply now


There is no meaningful difference beyond the different names.
Most banks, including TD, no longer require international travel notifications, though TD does continue to monitor its clients’ credit card activity whether they are inside or outside Canada.
Expedia® For TD is a partnership between Toronto-Dominion Bank and the online travel agency Expedia. Booking travel with Expedia® For TD yields the best value possible for your TD Points, though it is a less flexible and more limited redemption method than the Book Any Way method.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Terms and conditions apply.

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.

Author Bio

GreedyRates is Canada’s go-to resource for all things personal finance. Our expert articles and videos cover every topic under the financial sun, including credit cards, credit scores, loans, bank accounts, budgeting, investing, RSPs, TFSAs, GICs, taxes, and more. Want our advice on a personal finance issue? Send us an email at [email protected] and we’ll gladly give you some free tips.

Article comments

Andrew says:

What is the credit score requirement to be approved for this card?

Aaron Broverman says:

Hi Andrew,
The credit score requirement for this card is good to excellent. The actual score varies depending on what credit bureau you’re looking at, but it can be anywhere from 700 – 850+.

Debra Harvey says:

Where do l find the details for insurance coverage ? Do l need to take a qualifying test ?

Nate Siegel says:

Hi Debra,

You don’t need to apply for the card to determine the details of its insurance features. Either check out our comprehensive review or look at the bank’s website. There will be a link to the fine print and terms and conditions of the insurance provided, or you can Google ‘TD First Class Travel Visa Infinite Cardholder Agreement and Benefit Coverages Guide’. The first link should be the document which has information on what makes you eligible for coverage and how to properly make a claim. Hope that helps.

GreedyRates Staff

Bob says:

Can I have two separate TD First Class Travel Infinite credit card at the same time?

Nate Siegel says:

Hey Bob,

“We reserve the right to limit the number of Accounts opened by any one person.” That’s really the only evidence within TD’s fine print that can tell us how the bank would react to a second application by an existing primary cardholder. Everything else leaves open the possibility for you. In our own experience with churning, it’s possible for a single cardholder to get two of the same primary cards but remember that TD reserves the right to deny an application for any reason and that it would require a second separate credit limit to be extended to this person. That means you’ll need a favorable credit utilization ratio, credit, income, and debt-to-income ratio to even have a chance. Not recommended, but if you’re a brave soul then best of luck!

GreedyRates Staff

Manpreet says:

I had Td Rewards credit card ,,two days ago , I switched my credit card to Td first class travel infinite visa ,can I be eligible for both bonus $20000.00 welcome points and $60000.00 points after meeting the conditions of spend $1000.00 within first 90 days , and it’s my first time applying for the First class travel infinite credit card .Please advice , thank you .

The GreedyRates Team says:

Hey Manpreet!

Good question. Technically, the TD First Class Travel Visa Infinite card’s 80,000-points bonus is only available to those who apply for the card by June 2, 2019. It looks to us like you did what’s called a ‘product transfer’, which isn’t exactly the same and may not be considered eligible for the bonus. Why? TD wants to entice new customers to open up new credit limits in exchange for the bonus, and as far as we can tell, you did not follow the same path. The other restriction on the bonus is that you can’t have opened an Account (a TD First Class Travel Visa Infinite account, that is) in the last 6 months.

You fulfill the first criterion but not the second, so we think it’s best to call TD and inquire about the bonus with them before making any assumptions or trying to meet a spending goal that won’t award you anything extraordinary. Let us know if we’re on the right track here, or if we misunderstood how you’re obtaining the card, because this might change things!


Simar says:

Hi, I had an TD Platinum visa card for about a year . Just recently , I switched to TD Aeroplan Visa Infinite hoping to earn more points (Got my TD rewards converted to Aeroplan miles), but unfortunately, I am disappointment with the flexibility of redemption of miles (travel to India etc). Now, I am thinking to switching back to TD rewards with this First class card. Is it possible. How will my aeroplan miles be converted?

The GreedyRates Team says:

Hi Simar,

Thanks for the comment. If you’re unhappy with your new TD Aeroplan card and regret switching over from the TD Platinum Visa, then you can go back to a TD rewards card but it’s unlikely that they’ll let you convert your Miles again. It’s a well-known benefit that TD customers can convert their TD Rewards into Aeroplan Miles—that’s part of the reward program’s flexibility—but once they’ve become Miles it’s probably not possible for TD to reach into an Aeroplan account and re-convert them. It wouldn’t hurt to ask, but to us this seems like a one-way type deal.

Try and get as much value as you can from your Miles before making the switch back to a TD Rewards card. We’re also ready to point you towards some excellent examples in this category such as the TD Rewards Visa. Let us know what you’re thinking or if you have any additional questions, and thanks again.


Sunny says:

I already have this card can I re-apply to get the bonus points? and on their product page it says “IMPORTANT NOTICE: The changes to the value of TD Points for Book Any Way travel purchases are being postponed at this time. ” do you know what are the changes?

The GreedyRates Team says:

Hi Sunny,

Thanks for the comment about your eligibility for the TD First Class Travel Visa Infinite card’s bonus, which is an impressive 80,000 cumulative points. The first 20,000 points of this bonus are awarded for making an initial purchase and have no other conditions. Those 60,000 remaining points make up rest of the bonus and are contingent upon your ability to make at least $1,000 of purchases during the first 3 months. According to the fine print, you should be able to get a second First Class Travel Visa and still get the bonus. Here’s what it says: “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.”

In our experience the term Account is specific to TD First Class Travel Visa Infinite accounts, so because you do indeed have one of these cards you need to wait at least 6 months after getting it to reapply for another one. As always, we recommend you confirm this with a TD representative, and afterwards you can come back to our site and apply. Regarding your other question about the warning on TD’s page about Book Any Way redemption, this concerns a change that TD was going to make to the value of TD points when used to book travel with providers other than Expedia.

For now, you can still expect that 250 points equals $1 in Book Any Way travel up to the first $1,200 and then 200 points for $1 in travel afterwards. Check out our Loyalty Program Bible for more details. You’ll also be able to book with other providers using your TD points over the phone and call it Book Any Way as well, so this is another thing to mention to TD if you want to call and inquire. Best of luck!


Dwight says:

I just applied for Aeroplan …will I be still eglible for this offer ?

they say if you opened an in account within the last 6 months …youre not eligible ..does account mean any TD credit card account or they’re referring to the TD first class only ?

The GreedyRates Team says:

Hi Dwight,

Thanks for the question about your eligibility for the TD First Class Travel Visa Infinite card’s generous 80,000-point introductory bonus. We looked into the fine print for the card and also discovered that it isn’t available if you’ve opened an account within the last 6 months. However, we agree that it doesn’t explicitly mention whether or not an ‘account’ means a TD account in general or an account specific to the First Class Travel Visa Infinite card itself. So, we called TD.

Following a short wait, we were talking with an extremely nice agent who informed us how it works, after consulting with a supervisor. Apparently the ‘account’ definition is specific to accounts for the TD First Class Travel Visa Infinite card, so if you haven’t had this card ever before then you’ll be eligible for the full 80,000 points. If you have had the card before but it wasn’t within the last 6 months, then you’ll be eligible for the 60,000-point bonus but not the 20,000 points that are rewarded for the initial purchase. If you’ve applied for the card or already have one, then you can still obtain it, but you won’t be eligible for any of the bonuses.

So for your situation, you’ll be eligible for the full 80,000-point bonus because you’ve never had a TD First Class Travel Visa Infinite card, even if you have had other TD cards or applied for them very recently. Enjoy that enormous bonus!


Pam says:

Hi..I have this card and have had it for years and years and have redeemed points often for trips. My flights to Dubai this trip are all paid for on points. I am questioning the fx fee though. If I use this card while travelling on the cruise, will all transactions incur additional fees because they are not in local currency or the “accepted” US dollar? Would it make more sense to use my debit card instead?

The GreedyRates Team says:

Hey Pam!

Awesome questions all. It’s great you’re going on a cruise, and since you’ll be docking at many foreign locations, you’ll want a way to avoid those 2.50% foreign transaction fees while shopping off-ship. As far as purchases on the cruise itself, usually they’re denominated in whatever currency the trip originated from, so if it’s a Canadian cruise line the room service, games, tickets, and other things you buy onboard will all be in CAD.

Once you disembark to do some local shopping, you’ll want a card that avoids these fees or offsets them with cash back, to avoid paying more than you need to. The best option is always the Scotiabank Passport Visa Infinite card for those who also want a powerful and exclusive tool for enjoying travel, with fast Scotia Rewards points and 6 free passes to VIP airport lounges worldwide. A free option is the Home Trust Preferred Visa, which also gives you 0.00% foreign transaction fees like the Scotia card, but has fewer benefits (but 1.00% cash back).

If you want something else, consider the Rogers Platinum Mastercard, which gives you 3.00% cash back when purchasing in a foreign currency, and 1.25% in CAD purchases. The big brother to this card is the Rogers World Elite, which offers 4.00% cash back (net 1.50% after the fee) and 1.75% cash back in Canada.


Sergey says:

Does TD charge foreign exchange fees? I was not able to find this information on their webpage.
Thank you,

The GreedyRates Team says:

Hi Sergey,

Appreciate you coming to GreedyRates and leaving your comment. The TD First Class Visa Infinite card does indeed charge the standard fee for making a transaction between CAD and a foreign currency, which is around 2.50% of the purchase price. Usually you’ll need to look in the fine print of the application itself to figure out these details, as they aren’t available in the bank’s marketing materials like their website or in print. We understand that if you’re abroad, the TD First Class card’s benefits are significantly held back by this fee, so if you plan on travelling often and spending money abroad (or even online from US retailers for example) then we’d suggest picking up a no-fee card to keep in your wallet.

There are lots of them that work well in Canada as well, so it doesn’t have to be a tool that’s singularly useful for trips. For example, the Scotiabank Passport Visa Infinite card earns Scotia Rewards points on everyday purchases very quickly, but also grants 0.00% foreign transaction fees, VIP airport lounge access and 6 free annual passes, and excellent insurance. You could also opt for the Rogers World Elite card (or its little brother the Platinum card), which gives a strong flat rate of cash back on all purchases, and more than doubles the rate on foreign purchases (to offset the fees). Take a look at our page for best no foreign transaction fees cards and go from there. Feel free to get back to us as well, thanks!


Marilyn says:

Does my first class travel visa infinite allow for perks at the airport like access to the air Canada lounge in Montreal?

The GreedyRates Team says:

Hey Marilyn!

Great question. The TD First Class Travel Infinite Visa is an amazing card for earnings points quickly and benefitting your travels in various ways, but free or discounted entrance into airport lounges worldwide is not one of them. However, it’s a common misconception that those without a “Priority Pass” or “LoungeKey” perk on their card cannot enter these lounges. Lounge memberships granted by a credit card simply make it cheaper to enter the lounge, and sometimes free (if you use a voucher granted by cards like the Scotiabank Passport Visa Infinite card), but anyone can get in.

Usually, entering the lounge is around $27 per person. If the lounge is busy or full, then they’ll often turn away those without memberships, but this is a rarity. In our opinion, you should try to get in and pay the fee, see if you enjoy the experience, and then apply for a card (like the Scotiabank card) that offers less restricted and inexpensive access. If you don’t think that the experience is worth the $27 (or half the price of entry, or even free), then you have you answer. Some people don’t mind waiting at the gate and would prefer to have a card with different perks instead. Ultimately, it’s up to you.

GreedyRates Staff

Noel says:

Would the trip cancellation/interruption insurance cover an airline strike?

GreedyRates says:

Hi Noel, thanks for the interesting question! We took a look into the fine print of the TD First Class Visa Infinite, and discovered that an airline strike isn’t explicitly covered by the trip cancellation or interruption insurance. Here’s what is covered (paraphrased of course):

– if you’re called to jury duty or subpoenaed for a court case
– if formal notice is given by the Canadian Department of Foreign Affairs warning Canadians not to visit a certain country
– an impending relocation requirement for work purposes that wasn’t known about at the time of booking
– delay on a common carrier transport on the way to the airport
– natural disasters
– medical quarantine
– a hijacking
– call to military or public service like fire reserves

It seems like an airline strike should, in our opinion, be covered by trip interruption insurance. But if we were you, we’d call TD and get clarification.

GreedyRates Staff

Christine says:

Booked a cruise with hotel and flights and due to an injury a week prior has to cancel. TD refunded everything since it was all booked on my first class card. Quick service too.

Mike says:

Read the fine print on the trip interruption/cancellation on this card. Tried to claim trip interruption/cancellation getting out of the bad civil unrest/rioting situation occurring right now in Nicaragua (25+ dead) and TD denied my claim because my flights I wasn’t able to take weren’t booked in Canada before I left, they were booked in Costa Rica part way through my trip (weeks before the actual departure date). I guess its my fault for not fully reading the full card holder agreement but at the time of signing up their staff told me I was covered if I needed to cancel a trip “for any reason”. This card will not help anyone who travels on a one way ticket like I normally do while backpacking because I’m usually not sure how long I’m going to stay in a country until I’m there.

Looking for a better option that doesn’t have this written in the fine print. Any ideas? Honestly thinking about leaving TD altogether after this and my previous issues they’ve caused me with my house insurance and mortgage in the past.

GreedyRates says:

Hi Mike. We’re sorry you’ve been let down by TD’s insurance benefits. If they require you to have purchased your flight arrangements in Canada, then it’s more difficult for open-ended trips like the ones you enjoy. Not everyone travels with pre-planned round trips. With this in mind, let’s take a look at some other strong travel insurance cards to see if trip interruption and cancellation work any differently.

With any Scotia card, the fine print says that you’re covered with up to $2,500 of trip interruption/cancellation insurance per person, as long as you’ve charged at least 75% of the trip’s expense to your card. It seems as though you would have been eligible for coverage with Scotia cards no matter when or where you booked your flight, even if it was from Nicaragua back to Canada (or elsewhere). This is confirmed with Scotia.

Another option that might suit you better is the Desjardins Visa Odyssey Gold card. It’s one of our most highly-recommended credit cards due to its impressive insurance benefits. Regarding trip interruption and cancellation, you’ll get unlimited coverage, no matter where you book the flight or where it flies. Here’s the exact words used by Desjardins: “This insurance covers trips within or outside your province of residence for their duration. This coverage, offered by Desjardins Financial Security, is automatic when you use your credit card to purchase your ticket.” There is no requirement that you must have purchased your flight from Canada.

Feel free to confirm with Scotia and Desjardins before you make the switch. Safe travels!

GreedyRates Staff

Terri says:

Are all the trip related perks, such as trip cancellation coverage/medical coverage, still applicable as I charge the trip related payment on TD FIRST CLASS TRAVEL VISA INFINITE CARD but pay off with travel points I have earned?

GreedyRates says:

Hi Terri, thanks for reading GreedyRates. We’re happy to say that with the TD First Class Travel card, you’ll benefit from most of that insurance coverage whether you use the card to purchase your travel arrangements or not. Using points for any part of the trip costs is also a non-issue. As long as your account is in good standing, you’re covered by all of the perks listed, and this is how it works with most cards as well. Just think about little value the insurance package would be otherwise! Thanks again for your question–glad we could deliver the good news.

GreedyRates Staff

Reza says:

I have purchased my Hotel with Td first class infinite card but my Flight was purchased with another card. Am I still eligible to use health insurance during my hotel residence?

GreedyRates says:

Hi Reza, we appreciate the question and are happy to help. We dug into the fine print and insurance coverage guide, and have discovered that you do not need to purchase travel arrangements to get medical coverage during your trip. The only thing that TD requires for coverage is that your account remain in good standing during your travels. To cover your spouse and dependent children, the same requirement applies. This is how many credit cards work, otherwise it would reduce the value of free medical coverage and other relevant benefits. If you have any further questions, please let us know!

GreedyRates Staff

Jodi says:

Can I use the points on this card to *upgrade* a ticket I purchase with cash? If so, how does that work? I’m thinking I might get more bang for my buck that way. What are your thoughts on this? Thanks!

GreedyRates says:

Hi Jodi! We appreciate the interesting question. During our research into the TD First Class Visa Infinite card, we didn’t see any indication that you’ll be able to use your points to upgrade seats on a flight you purchased with cash. Some airline rewards programs allow this, and some don’t, so we’d call TD and double check just to make sure. Regardless, getting a better bang for your buck is usually difficult beyond the native-level reward value. Most issuers and banks have teams of people to thoroughly ensure there aren’t loopholes, or other schemes that could be a detriment to the bank if taken advantage of en masse. Let us know what you find out.

GreedyRates Staff

Frances says:


If I am the secondary holder of this visa (my husband isn’t primary), but I did not use it to purchase my flight ticket, will I still be covered for travel medical insurance and baggage lost or flight delay?

GreedyRates says:

Hi Frances, thanks for your question. According to the fine print, you’ll need to use your TD First Class Visa Infinite card to purchase the trip arrangements in order to qualify for insurance on baggage. Trip cancellation and trip interruption insurance have the same requirement. As far as medical coverage goes, we didn’t find any evidence of this stipulation, however. You might be able to get coverage regardless of how you paid for your trip, but we’d call TD and check to make sure. Thanks!

GreedyRates Staff

Anne Walters says:

Good morning. Does my td visa infinite card insure against lost luggage?

GreedyRates says:

Hi Anne! Thanks for being a GreedyRates reader. We’re happy to report that lost and delayed baggage insurance does come with the TD First Class Visa Infinite card! Here’s what it covers:

“Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.”

So, while it might not cover everything in your luggage, at least TD will give you enough money to buy clothing and other essentials while you get your bearings. Safe travels!

GreedyRates Staff

Nu says:

So if I signed up for the td first class travel and booked a trip with it, not through Expedia through TD would I still be covered? And would be husband and kids be covered as well for this travel medical insurance (21 days per person).

Also I heard that if I were to drive over the US for a day with my family that as long as I have the card on me that myself, my husband and kids are automatically covered for travel insurance without even notifying TD. Is that true? And is there an age limit for my kids as when they would no longer be covered with this card?

GreedyRates says:

Hi Nu! Great questions. We understand your concerns about travel insurance and are happy to put them to rest. Don’t confuse the Expedia promotion with travel insurance: you’re under no obligation to book through Expedia to receive the insurance. Also, your spouse and family will be covered as long as they’re traveling with you on the same itinerary. As long as your account is in good standing, there’s no reason why you need to notify TD before travelling. Most credit cards have no age minimum on who can receive insurance payouts, though there are age limits (usually 65+)

We’re giving you the green light. Though you might want to call in to customer service and cover all your bases first, we think your worries are misplaced, thankfully. Have a nice trip!

GreedyRates Staff

Shell says:

However, if most of your spend is not travel related, there are other cards that will earn you a better rate of return. What are these other cards?

GreedyRates says:

Hey Shell, thanks for asking for clarification. We mentioned that for infrequent travelers, the TD First Class Visa Infinite card isn’t ideal because its highest cash back rate of 4.50% is only applicable to travel-related purchases. Otherwise, 1.50% is good but not that impressive if you don’t travel. If you’re looking for a card that earns cash back or travel rewards at a faster rate, there are two we can recommend.

The first is the SimplyCash Preferred Card from American Express, which collects a whopping 5.00% cash back in the first 6 months and then 2% afterwards. You can learn more by reading our complete SimplyCash Preferred Card review. Please note, however, that the SimplyCash Preferred is not for those who want travel perks, however. A travel rewards card with a better rate than the First Class Visa can be found in the American Express Gold Rewards card. It’ll award you with 25,000 rewards points right off the bat, earn 2 points per $1 on everyday and travel-related purchases, 1 point per $1 everywhere else, and more. You’ll be able to make any travel arrangements you like and use your points on them, with no limits. Get more details by reading our American Express Gold Rewards card review.

If you need other options, refer to the page below, which has several of our best travel cards:

GreedyRates Staff

valerie says:

can I use my TD first class infinite card to purchase travel cancellation insurance even if I don’t use the card to pay for my trip???

Michael says:

Hi Valerie, thank you for the question. You can definitely use the card to pay for trip cancellation insurance, but understand that this benefit already applies to you. The TD First Class Visa Infinite has trip cancellation, interruption and many more travel insurance perks–one of the most robust in the industry actually. However, you’ll need to call the issuer to check whether or not trip cancellation is available to you if you didn’t use the card to purchase your arrangements. Some issuers allow it and some don’t, and the information isn’t made easily accessible. We think you might be covered, but also think it’s worthwhile to double check just in case. Safe travels!

GreedyRates Staff

audrey ronalds says:

hi there need to cancel a flight. will I be reimbursed if I used my points

GreedyRates says:

Hey Audrey!

So sorry for taking a long time to reply, we do our best to respond to as many comments as possible but sometimes our inbox gets too full to handle. And we’re sorry you have to cancel your flight.

Regarding the rules of reimbursement, it depends entirely on the method of payment. Those who paid with cash and cancel within an appropriate timeframe get all their cash back, and those who paid with points are refunded the same amount of points to their air miles account. You fall into the latter category. When you cancel your flight, expect to see those miles credited to your account within a few days.

Hope that helps,
GreedyRates Staff

Anonymous says:

Hi GreedyRates,

If I purchase a flight with Expedia for TD using only points, do I still receive 9x points for that purchase?

For example, if the flight is $1000 and I use points for it, do I earn 9000 points? If I only use $500 worth of points do I only earn 9x $500 so 4500 points?


GreedyRates says:

Hi Anonymous,

You will only accumulate points for the portion of your ticket you paid for in cash. For example, if you paid $1,000 for a ticket via TD For Expedia points, you would not earn any points.

Hope that helps,

GreedyRates Staff

Nicolas F says:

If that’s the case then it seems as though it would never make sense to redeem your points through Expedia for TD because you’ll always miss out on the 9x points. The best you can do appears to be booking everything you can through Expedia for TD and then for travel that you don’t book through Expedia for TD, use the “Book Your Way” method or redemption and get the 3.6% back for the first $1200 and anything above that will be at 4.5%.

Since most travel expenses don’t really go above $1200 that often or that much, it seems like most people will only be getting 3.6% back, which is good but obviously less than the 4.5% that is advertised so much.

My point is, that 4.5% is misleading and I want everyone to know the facts.

For reference from the TD website regarding “Book Any Way”:

“For travel booked through Expedia For TD:
200 TD Points = $1 in travel value; and
TD Points must be redeemed in minimum 200-point increments.

For travel booked through any other travel provider excluding Expedia For TD (a “Book Any Way travel purchase”), TD Points are redeemed in minimum 250-point or 200-point increments as follows:
250 TD Points = $1 in travel value for the first $1,200 of any Book Any Way travel purchase; and
200 TD Points = $1 in travel value for any amount that is over $1,200 for the same Book Any Way travel purchase.”

N maheu says:

Do you have to let the credit card company know that your going on vacation

GreedyRates says:

Hi N,

TD states that “Travel notifications are no longer needed.” That is the case with most credit card issuers currently. However, it may vary from issuer to issuer.

Hope that helps,

GreedyRates Staff

Vu Dang says:

I’m not sure how to calculate the return rate to get 1.5%? We gain 3 points for each 1 dollar spent. The redemption is 400 points for 1 dollar. This means each point is worth only 0.0025. We are getting 0.0075 for each dollar spent or 0.75% and not 1.5%.

GreedyRates says:

Hi Vu,

The TD First Class Infinite points are valued at .5% if you redeem your points through Expedia (10,000 points = $50) and .4% if you redeem them as a statement credit (10,000 points = $40).

When you gain 3 points per dollar spent, you are earning 1.5% if you redeem through Expedia 1.2% if you redeem as a statement credit. However, the best value for the TD First Class Infinite card is in booking travel through Expedia, where you will earn 9 points per dollar spent. That comes out to 4.5% if you also redeem through Expedia, and 3.6% if you redeem your points as a statement credit.

Where do you see the redemption rate of 400 points per $1?

Hope that helps,

GreedyRates Staff

Akira says:

Hi GredyRates,
I have a real scenario that can use your advise. I have this TDInfinity card. I have a trip coming up, but I’ve already agreed to be charged locally at a US hotel and not through ExpediaForTD. (This is due to a good deal and room upgrade offered by the hotel manager.) At the hotel I’ll be swiping the TDInfinity card. TDInfinity will charge FX rate, so I loose certain FX%. But I will earn 3.6% on travel expense regardless. So the net gain is 3.5%-FX%, correct?

Akira Thanks.

GreedyRates says:

Hi Akira,

Good observation Akira.

That is correct. There is a 2.5% foreign transaction fee charged by TD, on top of the foreign exchange rate. So you can expect a net rewards rate of approximately 1%. The only other card we know of that beats that rate is the Rogers MasterCard which offer 4% cashback on purchases in a foreign currency, and has a 2.5% FX transaction fee, for a net rewards rate of 1.5%. The no foreign transaction fee Marriott and Amazon cards get you ~1%.

Hope that helps!

GreedyRates Staff

Virginia says:

Am I receiving points on every purchase made or only travel related purchaces? Also how do I file a complaint about Td travel agent? Thanks

GreedyRates says:

Hi Virginia,

Yes you are receiving points on every purchase you make. However, you receive more points when you book travel through Expedia for TD, and you get more value from your points when you redeem for travel through Expedia for TD, than if you redeem your points as a statement credit.

Not sure how you file a complaint. I imagine you could try working through TD’s ombudsman to start.

Hope that helps,

GreedyRates Staff

kelly says:

The card says 30,000 and then down a little on the page it says what I copied in below. Is it 30,000 or is it 40,000

We love the card for its flexibility, earning power, simplicity and transparency. With today’s offer of 40,000 points, it’s a steal of a card if you’re willing to book through

GreedyRates says:

Hi Kelly,

Apologies for the copy error, it has been corrected. The offer at this time is for 30,000 points, plus a 100% fee rebate, available until Dec 2, 2016.

GreedyRates Staff

Merna says:

I have 534,800 points on my infinity first class visa. Can you tell me how much (in dollars) that is equal too? I have hotels on my visa to use for redemption.

GreedyRates says:

Hi Merna,

If you redeem your points through Expedia, they are worth $.005 each. If you redeem your points as a statement credit, they are worth $.004 each. As a result, your 534,800 points are worth $2,674 if you redeem them through Expedia for TD and $2139 if you redeem them as a statement credit.

Hope that helps,

GreedyRates Staff

Brian says:

Hi dear
I am travelling these days out of Canada and I am renting a car on line using my td bank first class infinite card.Am i covered for the car insurance with any rental company or should I buy one? ( The period of rent is 3 weeks for clarification )
Thanks a lot.

GreedyRates says:

Hi Brian,

Very timely question! We just wrote an article on this very topic Your TD First Class Infinite card will cover you for collision and damage to your rental car. However, you will need to ensure you’re covered for 3rd party liability (damage to another car or property or injury to another person). If you already own a car, chances are your car insures already covers you for 3rd party liability, even when renting. If you don’t have car insurance, then you should get 3rd party liability coverage from the rental agency or from your insurance broker.

Hope that helps,

GreedyRates Staff


Does it not work out better for me to book my travel on expediafortd and pay for it with my visa card vs accumulated points? That way I am earning td points on the travel purchase which I can then redeem later towards my travel purchases.

GreedyRates says:

Hi Marie,

Just like with any program, at some point, once you’ve accumulated enough rewards, you will want to redeem those rewards for travel. So yes, you always want to use your visa card to book your travel to accumulate points, but then at some point, once you have your desired points, don’t be afraid to redeem them for free travel guilt free, you’ll have earned at that point!

GreedyRates Staff

John says:

Hi Greedyrates,

I am tempted to apply for this card but I have read that certain credit cards require a minimum spending within 3 months to receive the bonus. I do not see that requirement with this card, can you confirm that for me?


GreedyRates says:

Hi John,

You read it correctly. There is no minimum spend requirement to get the 40,000 point welcome bonus. You get the first 20,000 points with the first purchase using the card (it can be a pack of gum). Then you get the additional 20,000 points when you keep the account open and in good standing for 90 days. That’s it.

Hope that answers your question.

GreedyRates Staff

Kam says:


I have basic TD visa card (All inclusive)and now TD offering me to use the TD First Class Travel Visa Infinite Card.

I dont know whether to accept or not.

Is there any hiddent cost in this card.

GreedyRates says:

Hi Kam,

There is an annual fee on the TD First Class Infinite card, if that’s what you mean by “hidden costs”. However, if you have the TD All Inclusive banking plan the annual fee is waived. If you are going to get it, we recommend comparing the offer you received from TD with the TD First Class Infinite offer on, which ends June 30th, (not because we’re self-serving) but because our promo of no annual fee in the first year, and a 40,000 point welcome bonus is better than the offer for the card in TD branches.

Hope that helps,

GreedyRates Staff

Thomas Brotherston says:

I have the infinite first class visa which covers me for four days out of Country insurance, I am 68 and would like an additional 10 days added. can I do this on line.

GreedyRates says:

Hi Thomas,

To get an additional 10 days coverage you will have to call TD’s Travel Credit Card Insurance group at 1-866-374-1129.

GreedyRates Staff

Michele says:

Is there a chart I can view that tells me how much my points will be worth down the road for travel….through Expedia and the degraded value if I don’t book through expedia? I would like to know how much I need to save in points for larger trips. For example… much is 100,000 points worth if I do not book through expedia? How about 200,000? 300,000? etc

GreedyRates says:

Hi Michelle,

Great idea. We’ll work on something for you.

GreedyRates Staff

Al says:

I am looking to book an all inclusive vacation and I would like some things clarified. I have heard that when booking through Expedia with a TD first class infinite visa that transfers between the airport and resort are not included even if it says they are on the package information. Also, I usually book with a travel agent so that if there is a problem I have a number to talk to someone directly without going through any automated garbage. How would I speak to someone to help my if I booked online and didn’t deal directly with a person?

GreedyRates says:

Hi Al,

Thanks for the questions.

First, whether or not your transportation from the airport to your resort is included depends on the package and operator you select, not on Expedia for TD, i.e. SunWing Vacations, Transat, Signature Vacations, etc… For example, if you decided to book a SunWings package to Cancun staying at the Belair Collection, it would be included. All you have to do is call Expedia for TD to verify.

Second, if you have a problem with anything, you can call the number reserved for Expedia for TD members. You will get a live agent, and they will advocate on your behalf with the hotel, or the resort package operator. Even though you’ve booked online, any questions, cancellations, complaints are handled by a live agent dedicated specifically to the Expedia for TD rewards program.

Hope that helps,

GreedyRates Staff

Tony Adolphus says:

With the TD First Class all inclusive will I earn point on all retail and monthly bills I do as well. In the event of a flight cansellation do I get a full refund through TD at no hidden costs what so ever. It is so tough for us costumers to be deceived by the cake with the frills and little know what happens after though.

GreedyRates says:

Hi Tony,

Actually we just had a personal experience to test that out. One of our staff members booked a flight between Montreal-Toronto Feb 4th through the Expedia for TD program. Porter cancelled his return flight, and he wasn’t able to fly on the automatically rebooked flight. Expedia, not Porter, refunded his ticket at no cost.

If you’re talking about you cancelling a flight, then that will depend entirely on the type of ticket you buy from the airline.

GreedyRates Staff

Tony Adolphus says:

Appreciate your feedback.

Tell me if I do buy a ticket through a travel agent for an international flight and cancelled due to a illness. Will Td then refund me full fair of the ticket.

I am aware that travel agents also try to push their insurance too. I do not see any reason to purchase extra insurance when we have a credit card that does it.

Help me out I got a family trip coming up soon for four tickets.

Thanks for your help.

GreedyRates says:

Hi Tony,

You should always review the terms, conditions and exclusions of your policy. However, in general the answer is yes. For TD First Class, for trip cancellation (before your trip starts) you’re covered $1,500 per person, including spouse and dependents, up to $5,000 per trip. For trip interruption (during your trip, may need to come home early), $5,000 per person up to $25,000 per trip. Remember, the full cost of your trip has to be booked on your card. Also remember, you will not be covered for any medical conditions arising from a pre-existing medical condition you experienced in the last 180 days.

TD First Class, covers for the following medical conditions:

Medical Covered Causes for Cancellation mean:
• death of an Insured Person
• sudden and unexpected sickness or accidental injury of an Insured Person if:
• it did not result from a Pre-Existing Condition;
• it prevents the Insured Person from starting the Covered Trip;
• a Physician certifies, in writing:
• that:
• he or she has advised the Insured Person to cancel the Covered Trip; or
• the sickness or injury made it impossible for the Insured Person to start the Covered Trip; and
• the medical reason for the decision; and
• The Insured Person provides the Physician’s certification to the Administrator before the scheduled
departure date;
• death of an Immediate Family Member of the Insured Person;
• sudden and unexpected sickness or accidental injury of an Immediate Family Member of the Insured Person; or
• the sudden and unexpected death or hospitalization of an Insured Person’s host at the destination

Hope that helps Tony, just remember, if you want to be absolutely safe, check the policy itself.

GreedyRates Staff

Bob says:

If you have a hotel loyality card., a car rental loyality card or similar it is worthless to you if you book through Expedia. I booked a trip and rentals tr
Booked a trip through Expedia and lost way more in other benefits than I obtained through the redemption on Expedia for Td. What a loss!,

Ed V says:


If i have a points worth $400 and ticket i want is $600? can i use my $400 worth of points then just pay $200 from my pocket?


GreedyRates says:

Hi Ed,

Absolutely, yes you can. You can make partial payments with your TD travel credits/rewards, and then pay the balance out of pocket.


GreedyRates Staff

Rob says:

Other travel cards are better
As the td rewards and Expedia don’t match prices as they advertise and they are lack ethics
I had over 200000 pts valued at over $1000 dollars that I earned and they devalued them to $800 because they reduced their rewards even on past rewards earned probably not legal
Certainly not ethical
Since I found this out I have spent over $10 000 on other cards which I rarely used in the past
Td infinite is now my emergency backup card
I was promised a return phone call to deal with this but I’m guessing service agents are calling to sell insurance and other services
They even had the gall to ask me if I wanted to increase my limit
Very disappointed with td rewards cards

Don Smyth says:

TD Expedia will not allow me to book a trip or vacation to Cuba. Therefore I am penalized . Why should I pay $120. per year when I cannot get health insurance because I am 77 and cannot book my favorite resort in Cuba?

GreedyRates says:

Hi Don,

Unfortunately, because Expedia is an American company, the embargo between the U.S. and Cuba still applies (hopefully increasingly normalized relations between the two countries will resolve the issue sooner, rather than later).

Not sure you can get health insurance past 75 years on any Canadian credit card old to our knowledge. Given that, you might want to look at a card with a lower annual fee, like the MBNA World Elite card. The first year annual fee is free ($89 thereafter), comes with a $100 welcome bonus and gives you $2 for every $100 spent (2%), that can be applied against any travel expense or used for cash back. Maybe that’s the best option for you, so you don’t pay for services you’re not eligible for.

Hope that helps,

GreedyRates Staff

Sam says:

What else can I do with first class points besides traveling ???

GreedyRates says:

Hi Sam,

The TD First Class Visa card is a travel card. Unfortunately, it is limited to redeeming for travel, whether for any travel expense on your statement, or through any purchase made on TD for Expedia’s website. If you’re looking for a card where you can redeem for travel, rewards or cashback, you may want to take a look at the MBNA World Elite MasterCard, which gives you a very healthy 2% earn rate (even on cash back).

GreedyRates Staff

Manny says:

Treval insurance with first class visa it’s passible to expend over the 4day free to any longer trip as long you answer for you Helth condition?

GreedyRates says:

Hi Manny,

If you’re under 65 TD First Class Infinite now offers 21 consecutive days of out of country travel medical insurance. Over 65, it offer 4 days. In either case, if you want to extend the coverage, you have the option to top-up your insurance to make up the missing days, but you’ll have to pay for it. You can call TD’s insurance department at 866-374-1129 to get a quote.

Hope that helps,

GreedyRates Staff

Alex says:

I am confused… how do these points work? Like if I have 40,000 points, how much travel I could book?

GreedyRates says:

Hi Alex, 40,000 points will give you $200 of travel, when you book through Expedia.

GreedyRates Staff

Mick says:

So 80,000 points will give you $400 of travel?

GreedyRates says:

Hi Mick,
That’s correct. You’ll get $400 worth of travel on Expedia for 80,000 points. TD actually makes it really simple. When you log in to TD for Expedia, Expedia tells you how many points and dollars you have to spend at the top of the screen. So both your rewards and the travel you’re booking is always quoted in dollars. It’s exceptionally transparent and easy to understand and use. You can then choose to redeem your reward dollars for any flight, hotel, package or car rental available on Expedia.



PLPL says:

TD just reduced travel value to 1.2% of purchases. Looking to switch to BMO World Elite. Thoughts?

GreedyRates says:

Hi Paul,

To be fair, TD has not reduced the value of their points on the First Class Infinite card to 1.2% on all redemptions. For cardholders who redeem their points through Expedia, points will still each be worth .5%, for an earn rate of 1.5% (base rate of 3 points per $1 spent). If you redeem for travel purchases on your statement from providers other than Expedia, your points will be worth .4% on the first $1,200 of redemptions, and .5% above, for a blended earn rate of somewhere between 1.2% and 1.5% depending on the size of your travel purchase.

If you spend a lot on travel, and are willing to book through Expedia, this card still gives the highest value (3X points – 9 points per $1 spent) in market, with an earn rate of 4.5% when redeeming through Expedia, and now with the devaluation, somewhere between 3.6% and 4.5%, for non-Expedia redemptions. As a result, if a large part of your spend is on travel, we still like this card.

However, if a large part of your spend does not come through travel, but you’re looking to redeem for travel, the BMO World Elite MasterCard, offers an earn rate of 2%, which is stellar. It also has a nice sign-up bonus of 30,000 points ($300). It’s insurance package is also robust. The disadvantage is, you have to book your travel through BMO’s travel center, which frankly, is pretty good anyways. Does that make sense?

Hope that helps,

GreedyRates Staff