Is it me or is TD throwing benefits at you with this card? The TD First Class Travel Visa Infinite* credit card has an aggressive offer of 100,000 points and an easy earn rate that includes Starbucks. Yes, I invoked the name of that coffee chain and I meant it. Want to know something else? TD First Class Travel Visa Infinite* earns TD points that you can redeem on Amazon.ca. So, is the TD First Class Travel Visa Infinite* credit card a hot- cup-of-goodness or just lukewarm at best? Let's find out.
- Welcome Offer
- TD First Class Travel Visa Infinite* interest rates
- The TD First Class Travel Visa Infinite* points calculator
- Earn points on the little things
- Redeeming your TD points
- TD First Class Travel Visa Infinite* insurances
- First, a word about TD’s online travel insurance tool
- Travel emergency medical insurance
- Trip cancellation insurance
- Trip interruption insurance
- Delayed or lost baggage insurance
- Common carrier accident insurance
- TD First Class Travel Visa Infinite* and auto rentals
- TD First Class Travel Visa Infinite*’s other benefits
- Who is the TD First Class Travel Visa Infinite* credit card good for?
- TD First Class Travel Visa Infinite* Rating
- Benefits and perks of the TD First Class Travel Visa Infinite*
Annual fee: $120, waived year 1
Interest rate: in Quebec 20.99% for all transactions; rest of Canada 19.99% purchases, and 22.99% for cash advances. †Conditions Apply. Must apply by October 29, 2022
Welcome Offer
The TD First Class Travel Visa Infinite* Welcome Offer is really good. You can earn up to 100,000 points in the first year. TD gives you 20,000 points when you make your first purchase on the card. Plus you can earn another 80,000 points if you spend $1,500 on the card the first 90 days of opening the account.
The annual fee is $120 for the primary cardholder and $50 per additional cardholder. That is a $170 that TD waives in the first year. All told, with your points and the waived fees, you get $670 dollars in value in the first 3 months. †There are terms and conditions on the TD website.
TD First Class Travel Visa Infinite* interest rates
Actually, this is pretty good. You need to remember that this is a travel perks card and not a low-interest credit card. Nearly all credit card interest rates are in the 19.99% to 23.99% range. Plus, most cards have different interest rates for cash advances. Not so with the TD First Class Travel Visa Infinite*: the purchase rate, balance transfer and the cash advance rate is 20.99% in Quebec. In the rest of Canada, the purchase rate is 19.99% and the cash advance is 22.99%. Of course, the best choice is to pay off your credit card balance each month and to pay back any cash advance even faster.
The TD First Class Travel Visa Infinite* points calculator
Inflation is not your friend, but it can help you make better spending decisions. In that same vein, the TD First Class Travel Visa Infinite* has a points calculator to help you decide if your spending and this credit card are good for your situation.
Let's set the scene. You are an average Canadian family who might spend $14,000 on groceries this year, or $1,166.66 a month. You might also fill up at least one car once a week. According to StatsCan, the Canadian average fuel price for unleaded gas at a self-service station was $157.76 between April 2021 and April 2022. If you fill up that car once a week, you spend $683.65 a month on gas. How many points would you earn with the TD First Class Travel Visa Infinite*?
With the Welcome Offer and average spending on gas and groceries alone, you earn 166,600 in the first year. That is $833 in travel dollars. Plus you only ate and gassed up the car. If you have other expenses on the card, your first year points total can be higher.
Earn points on the little things
The TD First Class Travel Visa Infinite* lets you earn 3 TD points for every $1 spent. It’s a nice ratio. If you book travel with the TD First Class Travel Visa Infinite* through Expedia for TD, you earn 9 points for every dollar spent. If you use your card at Starbucks, you earn 50% more TD points. These last two program features are about lifestyle. Even if you don’t want to travel yet and don’t always get Starbucks, the card lives up to its slogan of ‘Earn points on the little things’. Plus, your points do not expire so you can save them for all things big and small.
Redeeming your TD points
Thankfully, your TD points are redeemable in really extensive ways. You can use the points to buy gift cards or merchandise off of TD Rewards. They have weekly deals where you can get merchandise for less points. If you want a financial reward, you can use your points to pay off some or all of your TD credit credit card balance. Also, you can use your points to book travel with Expedia for TD.
TD First Class Travel Visa Infinite* is your Canadian Amazon credit card
Amazon credit cards are not in Canada, yet. However, you can use your TD First Class Travel Visa Infinite* card on Amazon and, better yet, redeem your TD points for merchandise. That is right, the Amazon points you’ve always wanted are TD points. Of course, there are more details, but you can exchange your points on Amazon for free stuff.
What is Expedia for TD?
Finally! Hardbacon covered this new co-branded effort between TD and Expedia. Expedia for TD is a travel booking site that allows travelers to use their TD Rewards points with an Expedia-like experience. It is exclusive to TD credit card holders and the site often has exclusive deals. Plus, it is a great way to spend and earn TD points simultaneously. You earn 9x the points when you book travel through Expedia for TD. There are no blackout dates and you can modify your plans easily.
TD First Class Travel Visa Infinite* insurances
If you read Hardbacon credit card reviews, you know that we take a deep look at the insurances you get with your card. The TD First Class Travel Visa Infinite* is a travel affinity card, so it should stand out for all-things travel related. In terms of insurance, it has the requisite ones. Let’s take a look.
First, a word about TD’s online travel insurance tool
TD and its online tools are outmaneuvering the competition. This is the first time I’ve found an online tool that shows me my credit card insurance coverage based on the card I use, the number of people I am travelling with, and the duration of the trip. It makes it easier for me to decide if I need extra travel insurance or if I should split my trip costs over different TD credit cards.
Travel emergency medical insurance
TD offers a solid but average emergency medical insurance policy. If I travel with my spouse or dependents, each one of us is eligible for $1,000,000 per trip. Of course, not every procedure is guaranteed a payout. As with every medical insurance plan, it covers eligible procedures and services. You have to check what is accepted before agreeing to the treatment. Your coverage is good for 21 days as long as you or any of the other travellers is under age 65. If you travel with someone over age 65 and they are a spouse, child, or the primary cardholder, they are only covered with TD’s emergency medical insurance for only the first 4 days.
Trip cancellation insurance
That handy online tool shows that you can have up to 5 travellers in your party and that your trip cancellation insurance is a maximum of $5,000.Per person, there is a $1,500 coverage. However, your maximum trip coverage is $5,000. If you are more than 5 people travelling and you are paying with one card, you might want to buy extra cancellation insurance.
Trip interruption insurance
Trip interruption insurance is slightly more generous. Each person has a $5,000 interruption policy. Again, the maximum for the trip for all persons combined is $25,000. Yet another instance of checking what is best for you and maybe buying extra travel interruption coverage.
Delayed or lost baggage insurance
It’s true that not every credit card offers this type of coverage. TD First Class Travel Visa Infinite* cardholders have $1,000 in insurance coverage per person if their baggage is delayed more than 6 hours or if it is lost. Again, this is OK coverage.
Common carrier accident insurance
This is a terrible what-if scenario. If you are or one of your dependents is on a common carrier like a bus, train, ferry, rented car, cruise ship, limousine, or plane and it is involved in an accident, you are covered. You are eligible for up to $500,000 of coverage for covered losses. The amount depends on your injuries.
TD First Class Travel Visa Infinite* and auto rentals
If you book your auto rental with your TD First Class Travel Visa Infinite* credit card, you can upgrade your ride. You are also covered for 48 consecutive days. If you are in an accident and the driver was not legally intoxicated and there was no violation of the rental agreement by the primary cardholder, each accident has a maximum insurance payout of $2,000,000.
You also benefit from a great rate through Avis auto rentals. When you use your TD First Class Travel Visa Infinite* credit card, you save a minimum of 10% off the lowest available base rates in Canada and the U.S.. If you rent a car outside of Canada and the US, the minimum is 5% off the lowest base rate available at participating Avis or Budget locations.
TD First Class Travel Visa Infinite*’s other benefits
Other than everything listed already, having a TD First Class Travel Visa Infinite* credit card means that you can do the following as well:
- Sign up for TD Auto Club membership, where you get 24-hour road assistance
- Purchase security and extended warranty protections
- Instant fraud alerts
- Access to the TD app
- Click to pay, where all you do is click on this icon
- Optional balance protection insurance
- The choice to set up structured payment plans
The extended warranty and purchase protection is basically a prerequisite for any decent credit card nowadays. The most interesting thing to me is the click-to-pay feature and instant fraud alerts. It keeps pace with how customers expect banks to use technology to enable easy transactions but also immediate contact if fraud is suspected. Basically, it is a sign of good service.
Who is the TD First Class Travel Visa Infinite* credit card good for?
You have to have a minimum personal annual income of $60,000 or an annual household income of at least $100,000 to qualify. The earn rate is a decent 3 points per $1 spent. The insurance is decent, too. OK, but the real advantages kick in if you use the card to book travel. You redeem less points for travel if you do it through Expedia for TD, a site exclusive to TD credit card customers. Plus, if you book travel with your TD card, you have access to excellent online tools to calculate how much insurance you have from your card.
Furthermore, using your card for everyday purchases stretches your dollar on two key sites: Amazon.ca and Starbucks. Hear me out: Amazon is a retail behemoth in Canada, and Starbucks is also a near-daily retail destination. Amazon doesn’t have a points program but does let you use TD points for Amazon purchases. In essence, the TD First Class Travel Visa Infinite* is your Amazon points card until Amazon credit cards come to Canada. The same goes for Starbucks, but in reverse. You earn 50% more points when you buy Starbucks with your TD First Class Travel Visa Infinite* credit card.
This card makes good in its promise to earn points on the little things. If you want to travel and don’t want to use Air Miles or Aeroplan, this travel card is a good choice. If you are interested in Amazon purchases and love your Starbucks, this is the only card for you.
TD First Class Travel Visa Infinite* Rating
| Purchase interest rate | 4/5 |
| Cash advance interest rate | 4/5 |
| Balance transfer | NA |
| Annual fee | 4/5 |
| Rewards | 4/5 |
| Cash back | NA |
| Welcome Offer | 4/5 |
| Purchase insurance | 3/5 |
| Extended warranty insurance | 3/5 |
| Travel insurance | 4/5 |
| Emergency medical travel insurance | 4/5 |
| Other perks | 4/5 |
| Overall rating | 3.8/5 |
Benefits and perks of the TD First Class Travel Visa Infinite*
- Redeem TD points on Amazon.ca
- Earn 50% more TD points when you use your card at Starbucks
- Accelerate points earning for travel with Expedia for TD
- Access to premium lounges in select airports
- 3 points for every $1 spent on everyday purchases
- Points never expire
- No travel blackout dates
- Welcome Offer of 100,000 TD points
- Annual fee for the primary and supplementary cards are waived for the first year
- Decent purchase interest rate and cash advance interest rates
- Comprehensive travel insurances including emergency medical, trip interruption, and trip cancellation
- Fantastic online tools to estimate points calculation as well as travel insurance coverage
How would you like to earn hundreds of dollars in rewards?
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About The Author: Stefani Balinsky
Stefani Balinsky is the Editor in Chief at Hardbacon. She has been writing professionally since her days at McGill University and her summer internship at the Just for Laughs Festival. She has multiple degrees from McGill University and her PMP from the Project Management Institute. She loves data and research as much as she loves a good story. She has held marketing positions in publishing, health, and fintech companies. She also has an entrepreneurial mindset that feeds her curiosity.
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