Overview
The TD First Class Travel Visa Infinite Card is TD's flagship flexible travel rewards card — and it's fundamentally different from the Aeroplan lineup. Instead of earning airline-specific Aeroplan points, you earn TD Rewards Points that can be redeemed for any travel, cash credits, merchandise, or even at Amazon.ca and Starbucks. It was voted Best Travel Rewards Card by Milesopedia in 2025 and Best Credit Card for Travel Insurance by Prince of Travel in 2023.
The current welcome offer delivers up to $1,400 in total value, including up to 165,000 TD Rewards Points, a first-year annual fee rebate, 4 complimentary airport lounge visits, and a $100 annual travel credit. If you prefer flexibility over loyalty to a single airline, this is TD's best card for you.
Earning TD Rewards Points
The card features four earning tiers with generous multipliers on everyday spending:
- 8 TD Rewards Points per $1 on Expedia For TD travel bookings
- 6 TD Rewards Points per $1 on groceries, dining, and public transit
- 4 TD Rewards Points per $1 on recurring bill payments, streaming, digital gaming, and media
- 2 TD Rewards Points per $1 on all other purchases
The 6x grocery, dining, and transit category covers a huge portion of daily Canadian spending. On $2,000/month in combined spending across these categories, you'd earn approximately 144,000 TD Rewards Points per year — before any welcome bonus.
Spend Caps
Note that the bonus categories have a $25,000 annual spend cap each — groceries, dining, and transit share one $25,000 cap, while bill payments, streaming, and media share another $25,000 cap. Spending beyond those caps earns at the base 2x rate.
Birthday Bonus
A unique perk: you receive an annual birthday bonus of up to 10,000 TD Rewards Points. This is a free annual bonus just for being a cardholder — no additional spending required beyond your regular card usage.
Points Never Expire
Your TD Rewards Points never expire as long as your account is open and in good standing. No activity requirements, no expiry clocks.
What Are TD Rewards Points Worth?
TD Rewards Points have variable value depending on how you redeem them:
| Redemption Method | Value per Point | Notes |
|---|---|---|
| Expedia For TD travel | ~0.5¢ | Best value — redeem for flights, hotels, car rentals |
| Travel purchases on card | ~0.5¢ | Cover any travel purchase charged to your card |
| Amazon.ca | ~0.4¢ | Convenient but lower value |
| Starbucks | Variable | Convert to Stars |
| Cash credits, merchandise | ~0.3–0.4¢ | Poorest value — avoid if possible |
At the best redemption value (~0.5¢/point), earning 6x on groceries effectively gives you a 3% return on grocery spending — competitive with most Canadian credit cards.
Welcome Bonus Breakdown
The welcome offer is structured in two tiers:
| Tier | Requirement | Bonus |
|---|---|---|
| 1st purchase | Make any purchase with your new card | 20,000 TD Rewards Points |
| $7,500 spend | Spend $7,500 within 180 days of account opening | 145,000 TD Rewards Points |
| Total | 165,000 TD Rewards Points |
Plus, the first-year annual fee is waived. At ~0.5¢/point, the 165,000 points are worth approximately $825 in travel — making the first-year value proposition very strong.
Airport Lounge Access
The card includes 4 complimentary worldwide airport lounge visits annually through the Visa Airport Companion Program, with access to 1,200+ global lounges. While not unlimited like some ultra-premium cards, 4 visits per year covers most travellers' needs and adds approximately $285 in value.
$100 Annual Travel Credit
Receive a $100 annual TD Travel Credit when you book at Expedia For TD. This effectively reduces the card's annual fee to $39 in year two and beyond — making the ongoing cost extremely competitive.
Insurance & Benefits
The Visa Infinite tier comes with an award-winning travel insurance package:
- Travel emergency medical insurance — Coverage for medical emergencies while travelling
- Trip cancellation & interruption insurance — Reimbursement for pre-paid, non-refundable travel costs
- Flight delay & baggage insurance — Coverage for delays, lost, or damaged baggage
- Car rental collision/loss damage waiver — Decline the rental company's coverage
- Purchase protection & extended warranty — Protection on eligible purchases
- Mobile device insurance — Coverage for your smartphone against damage and theft
Partner Perks
- Starbucks — Link your card to earn 50% more TD Rewards Points and Stars
- Amazon.ca — Redeem TD Rewards Points directly at checkout
- Expedia For TD — Exclusive travel deals and 8x earning
- TD Offers — Exclusive perks from TD and participating merchants
TD Rewards vs. Aeroplan: Which Is Right for You?
| Factor | TD Rewards (This Card) | TD Aeroplan |
|---|---|---|
| Best for | Flexible travellers | Air Canada loyalists |
| Points value | ~0.5¢/point | ~1.0–3.0¢/point |
| Airline benefits | Free bags, priority services | |
| Lounge access | 4 visits | (Infinite) / Unlimited (Privilege) |
| Travel credit | $100/year | |
| Birthday bonus | Up to 10K points | |
| Redemption flexibility | Travel, cash, Amazon, Starbucks | Mostly flights and travel |
| Best redemption | Any travel at Expedia For TD | Premium cabin Star Alliance flights |
Choose TD Rewards if you value flexibility and don't exclusively fly Air Canada. Choose Aeroplan if you want to maximize airline-specific value and fly Star Alliance carriers.
Drawbacks to Consider
Foreign Transaction Fee (2.5%)
Like most Canadian credit cards, this card charges a 2.5% foreign transaction fee on non-CAD purchases. For international travel, pair it with a no-FX-fee card.
Lower Per-Point Value
TD Rewards Points are worth roughly 0.5¢ each at best — significantly less than Aeroplan points (~1.0–3.0¢). The higher earn multipliers (6x, 8x) compensate for this, but it means you need to earn many more points to get the same dollar value.
Spend Caps on Bonus Categories
The $25,000 annual cap on each bonus category group means high-spending households may hit the ceiling. Beyond $25,000, you earn at the base 2x rate.
Must Use Expedia For TD for Best Value
To get the top 8x earn rate on travel and to use your $100 travel credit, you must book through Expedia For TD — limiting your booking flexibility compared to cards that reward all travel spending equally.
Who Is This Card Best For?
This card is an excellent choice if you:
- Want flexible travel rewards not tied to a specific airline
- Spend heavily on groceries, dining, and transit and want 6x points
- Value airport lounge access (4 visits/year)
- Want a $100 annual travel credit that effectively lowers the annual fee to $39
- Prefer redeeming points for any travel — flights, hotels, car rentals, experiences
- Want a card with no blackouts, no seat restrictions, and no point expiry
- Appreciate the birthday bonus perk
It's not the best choice if you:
- Fly Air Canada frequently and want airline-specific perks (checked bags, priority boarding)
- Want maximum cents-per-point value on premium cabin flights
- Spend frequently in foreign currencies
- Spend over $25,000/year in bonus categories
Bottom Line
The TD First Class Travel Visa Infinite Card is Canada's best flexible travel rewards card for everyday spenders. With 8x on Expedia For TD, 6x on groceries, dining, and transit, 4 lounge visits, a $100 travel credit, and a birthday bonus — all for an effective $39/year after the travel credit — it delivers outstanding value for travellers who don't want to be locked into a single airline's ecosystem.
The 165,000 point welcome bonus and first-year fee waiver make it an easy card to try risk-free. Pair it with a no-FX-fee card for international purchases and you've got a highly versatile travel wallet.
