Illustration, not the actual card design.
TD · Earns TD Rewards points
TD First Class Travel Visa Infinite
Annual fee
$139 · waived year one
Welcome offer
Up to 160,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $7,500 in your first 180 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$900
+$800 welcome bonus
+$100 yearly credits
−$0 fee (waived)
Year 2
−$39
Costs $39 a year until your spending covers it.
Every year after
−$39
Costs $39 a year until your spending covers it.
Plus 19 benefits with no fixed dollar value, like Avis and Budget rental discount, Visa Airport Companion Lounge Visits and Visa Infinite Concierge. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 25, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. Not available if you activated or closed a TD First Class Travel Visa Infinite account in the last 12 months. If the card isn't activated while this offer runs, TD may switch you to whichever offer is current when you activate. The first-year fee rebate covers you and your first additional cardholder: it needs the card activated and a first purchase within 3 months of opening, and the additional cardholder added while the offer runs.
- 1Make your first purchase20,000 pts≈ $100 est.Year 1
- 2Spend $7,500 in your first 180 days140,000 pts≈ $700 est.Year 1
- First-year annual fee waived$139savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 0.5¢ per TD Rewards point.
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Dining & RestaurantsUp to $25,000/yr of spend | 6 pts per $ | 3¢ |
| TransitUp to $25,000/yr of spend | 6 pts per $ | 3¢ |
| GroceriesUp to $25,000/yr of spend | 6 pts per $ | 3¢ |
| Recurring BillsUp to $25,000/yr of spend | 4 pts per $ | 2¢ |
| StreamingUp to $25,000/yr of spend | 4 pts per $ | 2¢ |
| Everything else | 2 pts per $ | 1¢ |
What else you get
Statement credits
- TD Travel Credit$100/yr
$100 back on your first eligible Expedia For TD purchase of $500 or more each calendar year: a hotel, motel, lodging or vacation rental, or a vacation package that includes one. Flights alone don't qualify
Perks · 7
- Avis and Budget rental discount
At least 10% off base rates in Canada and the U.S. and at least 5% internationally, at participating Avis and Budget locations
- Visa Airport Companion Lounge Visits
4 lounge visits a year at 1,200+ lounges worldwide
Worth about US$32 per person, per visit · Visa's price, Price once any free visits are used; subject to change, checked Oct 2026
Enroll first - Visa Infinite Concierge
24/7 concierge for travel, dining, tickets and shopping help
- Visa Infinite Dining Series
Access to Visa Infinite dining events
Show all 7Show fewer
- Visa Infinite Entertainment Access
Access to ticketed entertainment and presales
- Visa Infinite Luxury Hotel Collection
Upgrades, breakfast for two and late checkout at 900+ hotels booked through the collection
- Visa Infinite Troon Golf
Troon Rewards Silver status at 95+ courses
Insurance · 11
- Travel Medical Insurance
Out-of-province emergency medical, up to $2,000,000, first 21 days of a trip, under 65
- Trip Cancellation Insurance
Up to $1,500 per person and $5,000 per trip if you cancel before departure
- Trip Interruption Insurance
Up to $5,000 per person and $25,000 per trip if a trip is cut short
- Flight and Trip Delay Insurance
Delays over 4 hours, up to $500 per person
Show all 11Show fewer
- Delayed and Lost Baggage Insurance
Bags delayed 6+ hours or lost, up to $1,000 per person combined
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days
- Hotel Burglary Insurance
Personal items stolen from your hotel room, up to $2,500 per occurrence
- Common Carrier Travel Accident Insurance
Accidental injury or death on a plane, train, bus or ferry, up to $500,000
- Mobile Device Insurance
Phone or tablet loss, theft, damage or breakdown, up to $1,000
- Purchase Security
New items bought with the card, stolen or damaged within 90 days
- Extended Warranty
Doubles the manufacturer's warranty, up to 12 extra months
Awards
- Birthday Bonus
10% of the TD Rewards Points earned in the 12 months before the primary cardholder's birthday, up to 10,000 points
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by TD. Card and program names belong to their owners.
Details last checked Sep 25, 2026.