TD® First Class Travel®Visa Infinite* Card Review
The TD® First Class Travel® 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.
This offer is not available for residents of Quebec. For Quebec residents, please click here.
TD First Class Visa: Earning Is Simple & Easy
The TD® First Class Travel® 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 80000 TD points as a welcome bonus after meeting the following criteria:
- Making their first purchase (20,000)
- 5x TD Points on all Purchases in the first three months up to a total of 20,000 per months and 60,000 total
Plus plus, those who apply by March 2, 2020 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 80000 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 $60000 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.