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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Sep 13, 2024, 2:24pm

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

• 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 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
• Get an annual TD Travel Credit † of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year†.
• 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 first Additional Cardholders by January 6, 2025.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher-end travel credit cards , even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

• Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
• Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
• Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.
• No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make.

• 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 recurring bill payments
• Earn 2 TD Rewards Points for every $1 you spend on other purchase
• Earn an annual Birthday Bonus of up to 10,000 TD Rewards Points, or 10% of the total number of TD Reward Points earned in the previous 12 months

There is an annual spend cap of $25,000 for each of the accelerated categories. Once you exceed that maximum, you’ll earn 2 TD Rewards Points for every dollar spent.

Here’s an example of how many TD Rewards Points you could get in the first year, including 135,000 TD Rewards Points (20,000 welcome bonus plus 115,000 points when you spend $5,000 within 180 days of account opening):

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility, which this card is lacking.

Credit card reward perks include:

• Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals
• Link your eligible card to earn 50% more TD Rewards Points and Starbucks Stars
• Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you like to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to $1 off travel purchases. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

• Comprehensive travel insurance coverage.
• Discounts on car rentals with Avis and Budget Rent-A-Car.
• Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

More Card Benefits and Features

TD Rewards Program Benefits: 

• Go places on points and redeem through Expedia for TD (where your points are worth more) or book through any other travel agency or website and use your points within 90 days of purchase.
• Shop online for merchandise and gift cards through TDRewards.com
• Pay with rewards and pay down your credit card balance with points.

Travel Benefits:

• Annual $100 TD Travel Credit on your first eligible travel credit purchase of $500 or more made with Expedia for TD
• Travel medical insurance, up to $2 million of coverage for the first 21 days (or the first four days if you or your spouse is aged 65 or older)
• Flight/trip delay insurance, up to $500 in coverage if your flight is delayed for over four hours
• Trip cancellation, up to $1,500 per person with a maximum of $5,000 for all insured persons
• Trip interruption, up to $5,000 per person, with a maximum of $25,000 for all insured persons
• Common carrier travel accident insurance, up to $500,000
• Emergency travel assistance services
• Delayed and lost baggage insurance, up to $1,000 per person if your baggage is delayed more than six hours or lost
• Auto rental collision/loss damage insurance, up to 48 consecutive days
• TD’s Credit Card Travel Insurance Verification Tool lets you  check your insurance benefits
• Hotel/motel burglary insurance, up to $2,500 of coverage

Additional Benefits and Features:

• TD Payment Plans let you turn purchases of $100 or more into manageable six, 12 or 18 month payment plans
• Save a minimum of 10% off the lowest available base rate with Avis Rent A Car and Budget Rent A Car in Canada and the U.S. and 5% internationally
• Use Apple Pay, Google Pay or Samsung Pay where contactless payments are accepted

Visa Infinite Benefits:

• Complimentary Visa Infinite Concierge 24/7
• Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 hotels
• Visa Infinite Dining Series gives you access to exclusive gourmet events
• Visa Infinite Wine Country Program gives exclusive benefits at over 95 participating wineries in B.C., Ontario and Sonoma Valley, including discounts on wine purchases, complimentary tastings, private vineyard tours and more
• Visa Infinite Entertainment Access provides exclusive access to tickets to curated events
• Visa Infinite Troon Golf provides elevated Troon Rewards Silver Status at over 95 courses and 10% off green fees, merchandise and lessons
• Mobile device insurance, up to $1,000 of coverage in the event of loss, theft, accidental damage or mechanical breakdown
• Chip and PIN technology provides an added level of security
• Purchase security and extended warranty protection within 90 days or purchase, or double the warranty period (up to 12 months) if the item comes with a manufacturer’s warranty
• Visa Secure provides you with increased security and convenience when you shop online
• Instant TD Fraud Alerts whenever there is any suspected suspicious activity
• Set transaction limits, block international purchases or lock your credit card in the TD app
• Pay online with Click to Pay

Optional Benefits:

• Optional TD Credit Card Payment Protection Plan helps you with your payment obligations in the event of a covered job loss, total disability or loss of life
• Optional TD Auto Club Membership that provides 24/7 emergency roadside assistance

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.50%
• Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by January 6, 2025)†
• Any other fees: Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholders by January 6, 2025)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Why should you get a travel rewards credit card?

A travel rewards card helps you earn points on everyday purchases (like groceries) that can be redeemed for travel-related expenses, like flights and hotels. You even earn points on travel-related bookings, earning 8 TD Rewards Points for every $1 you spend when you book travel through Expedia for TD.

How do you earn TD Rewards Points?

You earn points with travel bookings, shopping at a grocery store or eating at a restaurant, on recurring bill payments and everyday purchases.

How do you redeem TD Rewards Points?

You can redeem your TD Rewards Points when  you book travel online through Expedia for TD, or any other travel provider. You can redeem your points on Amazon.ca with Amazon Shop with Points or shop for merchandise on TDRewards.com. Finally, you can also redeem TD Rewards Points to pay your credit card account balance on the TD app or EasyWeb.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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Advertisement

By Winston Sih  and  Courtney Reilly-Larke on March 31, 2022 Estimated reading time: 6 minutes

TD First Class Travel Visa Infinite Card review

This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.

With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite Card may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com. 

Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite Card becomes a solid choice for avid travellers.

TD First Class Travel Visa Infinite Card

Annual fee: $139 (waived first year)

• 8 points per $1 on travel booked through Expedia For TD
• 6 points per $1 on groceries and restaurants
• 4 points per $1 on recurring bills
• 2 points per $1 on all other purchases

Welcome offer: Earn up to $1,000 in value, including up to 135,000 TD Rewards points and no annual fee for the first year. Conditions apply. Account must be approved by January 6, 2025.

Card details

The TD First Class Travel Visa Infinite Card

• Three things you need to know about the TD First Class Travel Visa Infinite Card
• How to redeem your TD Rewards
• What are the best ways to benefit from this card?

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

4 things to know about the td first class travel visa infinite card, 1. the you earn points under the td rewards program.

T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class Travel Visa Infinite Card might be more up your alley.

2. Your points go farther when you book with ExpediaForTD.com

If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1. 

3. The card comes with a generous welcome bonus

Earn up to $1,000 in value, including up to 135,000 TD Rewards points and no annual fee for the first year. Plus, get an annual birthday bonus of up to 10,000 rewards points. You can also receive an annual $100 TD travel credit when you book at Expedia for TD.  (Conditions apply. Account must be approved by January 6, 2025.)

4. You’ll get great travel insurance

The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).

How to redeem your TD Points:

You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).

Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending. 

In both cases, the TD First Class Travel Visa Infinite Card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel. 

Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.

How to optimize the TD First Class Travel Visa Infinite Card

Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal. 

If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.

Does the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category. 

Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite Card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).

Finally, the TD First Class Travel Visa Infinite Card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks. 

Bottom line

TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite Card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.

More on  credit cards :

• Canada’s best travel cards 2022
• Canada’s best credit cards for gas
• Canada’s best credit cards for grocery purchases 2022
• Best cash back credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy .

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One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?

I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.

So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.

I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.

This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.

I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022

This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.

We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.

I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,

I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

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TD First Class Travel Visa Infinite Card Review

By Stefani Balinsky | Published on 20 Jul 2023

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 up to 135,000 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 this credit card a hot-cup-of-goodness or just lukewarm at best? Let’s find out.

Welcome Offer

• Up to 135,000 bonus TD Rewards Points
• Annual fee rebated for the first year

The TD First Class Travel ® Visa Infinite * Welcome Offer is really good. You can earn up to $1,100 worth of welcome offers in the first year, including 135,000 bonus points, the annual fee rebated and travel benefits. Here’s how:

TD gives you 20,000 points when you make your first purchase on the card in the first 3 months of opening the account. Next, you can earn another 115,000 points if you spend $5,000 on the card within the first 180 days of opening the account. Then, you could earn a birthday bonus of up to 10,000 TD Rewards Points. You also get an annual TD Travel Credit of $100 when you book at Expedia for TD. Finally, you get a free 12 month† Uber One membership worth $120. As always, terms and conditions apply. To get the annual fee rebated for the first year, you must make a purchase on the card within the first 3 months of opening the account.

The annual fee is usually $139 for the primary cardholder, $50 for the first additional cardholder and $0 for subsequent cardholders. You have to have a minimum personal annual income of $60,000 or an annual household income of at least $100,000 to qualify.

TD First Class Travel ® Visa Infinite * interest rates

Actually, these rates are pretty standard. 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. If you live in Quebec, you may be subject to different rates. 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 $1.616 at the beginning of Summer 2023. If you fill up your car once a week, you spend $419.84 a month on gas for a 60 L fuel tank. How many points would you earn with the TD First Class Travel ® Visa Infinite* ?

With the average spending on gas and groceries alone, you could earn 194,245 points in the first year including the welcome offer. That is $971 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.

Remember, the spending amounts and points earned are for demonstration purposes only. Actual points accrual depends on your individual shopping habits. Use the TD points calculator to estimate how many points you could earn in the first year. 

Earn points on the little things

• 8 TD points/$1 Expedia for TD bookings
• 6 TD points/$1 on groceries & restaurants
• 4 TD ponts/$1 on recurring bill payments
• 2 TD points/$1 on all other card purchases 

The TD First Class Travel Visa Infinite * lets you earn 2 TD points for every $1 spent. It’s a nice ratio. If you book travel with your card through Expedia for TD , you earn 8 TD points for every dollar spent. Then, you earn 6 TD points per $1 spent on groceries and restaurants and 4 TD points on recurring bill payments on your account. 

If you use your card at Starbucks, you earn 50% more TD points and 50% more Stars at Starbucks. This feature is 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

• Redeem TD Points on Amazon.ca with Amazon Shop with Points

You don’t need to get the Amazon credit card, because you can use your TD First Class Travel Visa Infinite* card on Amazon and 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?

• Earn & redeem TD Points on Expedia for TD
• No blackout dates

Finally! Expedia for TD is a travel booking site that allows travellers 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 8 TD Points/$1 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: 

• Travel medical insurance
• Trip cancellation/interruption
• Flight/trip delay
• Delayed or lost baggage
• Common carrier accident 
• Auto Rental Collision/Loss Damage Insurance

And that is on top of their Emergency Travel Assistance Services and a $100 Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.

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 $2,000,000 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/interruption insurance and flight/trip delay

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 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.

Your flight/trip delay insurance covers up to $500 per insured person if your flight/trip is delayed for over 4 hours.

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 are covered for 48 consecutive days. If you are in an accident, the driver must not be legally intoxicated and there must have been no violation of the rental agreement by the primary cardholder.

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
• Mobile device insurance up to $1,000
• Hotel/Motel Burglary Insurance up to $2,500
• Access to the TD app
• Click to pay
• Optional balance protection insurance
• The choice to set up structured payment plans

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? 

The base earn rate of the TD First Class Travel Visa Infinite is a decent 2 points per $1 spent, with more aggressive points for grocers, restaurants, travel and recurring bills. The insurance is decent, too. 

OK, but the real advantages kick in if you use the card to book travel. You redeem fewer 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 lets you use TD points for Amazon purchases. The same goes for Starbucks, but in reverse. You earn 50% more points when you buy Starbucks with your 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 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

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, food, and recurring bills
• 2 points for every $1 spent on everyday purchases
• Points never expire
• No travel blackout dates
• Welcome Offer up to 135,000 TD Rewards points
• Annual fee for the primary card rebated 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

For complete and current information about any product, please visit the provider’s website. Terms and conditions apply.

Stefani Balinsky

TD First Class Travel Visa Infinite Card Review

Take advantage of a welcome bonus, return on reward points and a suite of travel benefits.

In this guide

30-second take

What to watch out for, td first class travel visa infinite card interest rates, what should i know before i apply, bottom line, frequently asked questions about the td first class travel visa infinite card.

• Think about this card if you want a full insurance package and a return on points for all purchases.
• Choose something else if you’d rather get cash back or you don’t want to pay an annual fee.
• Your minimum annual income needs to be $60,000, or you should have a household income of $100,000.

If you travel often and want a card that gives you a return on points for all purchases (not just gas and groceries), then the TD First Class Travel Visa Infinite Card could be for you.

• Earn TD Bank Rewards Points. Earn 8 TD Rewards Points for every $1 spent in travel booked online through Expedia for TD, 6 TD Rewards Points for every $1 you spend on Groceries and Restaurants, 4 TD Rewards Points for every $1 you spend on regularly recurring bill payments and 2 TD Rewards Points for every $1 spent on all other eligible purchases.
• Flexible points. Use points on travel, merchandise, gift cards or a cash credit to your account.
• Welcome offer. Earn up to 135,000 TD Points (a travel value of $1,000). Plus, get the first year annual fee waived. Conditions Apply. Apply by January 6, 2025.
• Purchase protection. With Purchase Security and Extended Warranty Insurance, new item purchases are covered against loss or damage up to 90 days from date of purchase, as well as extended warranty up to 12 months.
• Car rental coverage. Get covered up to 48 successive days with Auto Rental Collision/Loss Damage Insurance. As a cardholder, you get up to 10% discount at participating Avis and Budget car rental locations.
• Travel insurance. Here’s an outline of the comprehensive travel insurance benefits you get with TD First Class Travel Visa Infinite Card:
• Contactless payments. Tap to pay if you have Apple Pay or Visa payWave (for Android).
• Fraud proof. You won’t have to pay if there are fraudulent charges on your account with zero-liability coverage.
• Special offers. Take advantage of exclusive offers on dining and entertainment for Visa Infinite cardholders.
• Optional benefits. Pay more to get roadside assistance and balance protection insurance.
• High annual fee. The fee for this card is $139 per year, but it can be waived in the first year. T&C’s apply.
• Fee for additional cards. Extra cards will cost you $50 a pop.
• Income requirements. There’s a minimum personal income requirement of $60,000 to qualify.

Eligibility requirements

• Be a Canadian citizen or permanent resident
• Be the age of majority in your province/territory of residence
• Have an annual personal income of $60,000 or a total household income of $100,000 annually.

Required documents and information

• Your name, residential status and contact information
• Your social insurance number and date of birth
• Your email address and phone number

The TD First Class Travel Visa Infinite Card offers a return on rewards and comprehensive travel insurance. The card also comes with a welcome offer and extra benefits, including car rental insurance, common carrier insurance, extended warranty coverage and fraud protection. You should avoid this card if you don’t want to pay an annual fee or are unable to meet the minimum income requirement ($60,000 and up).

Does the TD First Class Travel Visa Infinite Card have a welcome offer?

Yes, depending on when you signup. Earn up to 135,000 TD Points (a travel value of $1,000). Plus, get the first year annual fee waived. Conditions Apply. Apply by January 6, 2025.

What if I don't want to travel?

If you don't want to use your points for travel, you can also cash points in for merchandise, gift cards or a cash credit to your account.

Can I apply online?

Yes, you can apply by visiting the TD Bank bank website.

Claire Horwood

Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full bio

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

Compare TD cards >

Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 115,000 additional points when you spend $5,000 in the first 180 days
• Annual $100 travel credit (accommodations & vacation packages)
• Birthday bonus of up to 10,000 points
• Earn 8 points per $1 spent when you book on Expedia for TD
• Earn 6 points per $1 spent on groceries and dining
• Earn 4 points per $1 spent on recurring bills
• Earn 3 per $1 spent on all other purchases

Welcome bonus and earn rate

The TD First Class Visa Infinite Card is one of TD’s most popular cards. The welcome bonus is typically quite generous and hovers between 80,000 – 145,000 TD Rewards points. The welcome bonus is comparable to cards on my list of the best travel credit cards in Canada .

As for the earn rate, you’ll get 8 points per dollar spent on Expedia for TD purchases. 6 points per dollar spent on groceries and dining. 4 points per dollar spend on recurring bills and 3 points on all other purchases.

To give you some perspective, when using TD Rewards points on Expedia for TD purchases, 1 point is worth $0.50. That means the base earn rate gets you 1.5% back in travel rewards, which is quite good.

Although the card has an annual fee of $139, it’s usually waived for the first year. You can also get the annual fee waived every year if you have a TD All-inclusive bank account. 

Benefits and perks

If you’re reading my TD First Class Travel Visa Infinite Card review, then you’ll want to know about all the benefits. What’s interesting is that this card recently had an update and now comes with some pretty fun perks.

$100 annual travel credit

When you book accommodations or vacation packages on Expedia for TD worth at least $500, you’ll get a $100 credit back on your credit card. This is a pretty unique benefit that puts money back in your pocket, but it does not apply to all travel categories. In addition, this benefit only applies to individual bookings and is not cumulative.

10% birthday bonus

One unique perk is the birthday bonus worth up to 10,000 TD Rewards points. To earn this bonus, TD will give you 10% of the points you’ve earned in the year leading up to your birthday. Welcome bonuses don’t count. For example, if you earned 93,000 TD Rewards points in the year leading up to your birthday, you’d earn 9,300 extra TD Rewards points on your birthday.

Save on rental cars

Cardholders get at least 10% off the base rate when renting vehicles in Canada and the U.S at Avis or Budget and paying with your TD Aeroplan Visa Infinite Card. If you’re travelling internationally, you’ll save at least 5% at participating locations.

Travel insurance

• Travel medical – $2,000,000 for 21 days / 4 days if you’re 65 or older
• Trip cancellation – up to $1,500 per person / $5,000 total
• Trip interruption – up to $5,000 per person / $25,000 total
• Flight/trip delay insurance – $500 per person – 4 hours
• Delayed and lost baggage – up to $1,000 / 6 hours
• Auto rental collision/loss damage – 48 consecutive days / $65,000
• Hotel/motel burglary insurance – $2,500
• Common carrier travel accident – $500,000

The travel insurance included is competitive and comparable to my list of the best credit cards with travel insurance , but it does lack two major types of travel insurance.

The 21 days of travel medical insurance is pretty good, but like many other credit cards, it only gives 4 days if you’re 65 or older. You’ll obviously need more coverage if you fall into that age range.

Note that was this card, you only need to charge 75% of your trip costs for your flight/trip delay and hotel/motel burglary insurance to apply. However, for trip cancellation and auto rental collision, you need to charge 100% of the cost to your card.

Mobile device insurance

Many people aren’t aware that the TD First Class Travel Visa Infinite Card comes with mobile device insurance. When you charge at least 75% of the total device or monthly plan cost to your card, you’ll be insured for up to $1,000. That said, like other mobile device insurance plans, depreciation applies when making a claim. Both cellular phones and tablets count as mobile devices.

Purchase insurance

• Purchase security – 90 days
• Extended warranty – Up to 1 additional year

The purchase security insurance covers your good from theft, loss, and damage for 90 days. With extended warranty, you your warranty doubled up to one additional year.

Visa Infinite benefits

• Concierge service –  The Visa Infinite Concierge is available 24/7 and can help you secure concert tickets, make dinner reservations and more.
• Luxury Hotel Collection – You’ll get exclusive benefits such as resort credits and room upgrades when booking accommodations through the Visa Luxury Hotel Collection.
• Dining Series –  Get access to some culinary events, such as celebrity chef meetups and tasting menus.
• Wine Country program –  Your Visa Infinite Card gets you discounts and free wine tastings at participating wineries in British Columbia, Ontario and Sonoma Valley.
• Entertainment access –  Throughout the year, cardholders get invites and exclusive access to the Toronto International Film Festival.
• Troon Golf –  Troon Rewards Silver Status is given to cardholders. With your status, you’ll get 10% off green fees, merchandise and lessons.

How to redeem your points

TD Rewards allows you to book travel in multiple ways, giving you more options. Given the flexibility, many people love TD Rewards. However, your points will have a different value depending on how you redeem them.

Expedia for TD

Expedia for TD is TD’s main travel redemption option. 200 TD Rewards points get you $1 off Expedia for TD travel bookings. This essentially makes one TD Reward point worth .5 cents. Expedia for TD is nearly identical to Expedia.ca. That means you’ll get access to a large inventory of flights, hotels, car rentals, all-inclusive packages and attraction tickets.

To redeem TD Rewards points on Expedia for TD, you have to log in to TD Rewards and click on the Expedia for TD link. When you’re ready to pay, you’ll be given the option to use your TD Rewards points. Generally, Expedia has very competitive prices.

Booking on your own

TD Rewards points can also be used to offset travel expenses you charge directly to your TD First Class Travel Visa. The redemption rate is 250 points = $1 (or a value of .4 cents per point). That means you get 20% less value than using your points on Expedia for TD. That said, when you make a travel purchase on your own that’s more than $1,200 in value, any amount that’s $1,201 or above would have a redemption value of 200 points for $1.

Even though you get less value by booking on your own, there are a few reasons to consider this option. The first reason is that you are not restricted to what is available on Expedia for TD, so you can use points for bookings on Airbnb or booking.com. The second reason why booking on your own travel is handy is that most hotel chains will require that you book directly with them to enable loyalty membership status and perks.

TD First Class Travel Visa Infinite Card eligibility

• You’re a Canadian citizen, or you’re a permanent resident
• You’re at least the age of majority in the province or territory where you reside
• You have a minimum annual personal gross income of $60,000 or a household income of $100,000

As a Visa Infinite card, there are very specific eligibility requirements. Even though there’s no formal credit score requirement listed, you’ll likely need your credit score to be at least 700 to be approved. That’s because a credit score of at least that number would put you in good standing or higher.

How the TD First Class Visa Infinite compares

As a mid-tier travel rewards credit card, the TD First Class Travel Visa Infinite Card has a lot of competition. Not only does it compete with other bank credit cards, but there are also airline credit cards worth looking at too.

TD First Class Visa Infinite Card vs. Scotiabank Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite Card is a very popular travel credit card since it gives you get six free annual airport lounge passes and has no foreign transaction fees. The earning rate of this card is similar to what TD offers. The overall insurance package offered by TD is slightly better.

TD First Class Visa Infinite Card vs. American Express Gold Rewards Card

Another great mid-tier travel card is the American Express Gold Rewards Card . Although the card has an annual fee of $250, you get an annual $100 travel credit and a Priority Pass Membership with four free annual Plaza Premium airport lounge passes. What makes this card stand out is the fact that you earn American Express Membership Rewards points. These points can be transferred to Aeroplan at a 1:1 ratio.

TD First Class Visa Infinite Card vs. TD Aeroplan Visa Infinite Card

If your goal is to travel for less, then the TD Aeroplan Visa Infinite Card should also be considered. With this card, you’ll earn Aeroplan points on all eligible purchases. This is relevant because Aeroplan is Air Canada’s loyalty program and one point can easily be worth between 1.5 – 2 cents each. In addition, by having this card, you get your first checked bag free and preferred pricing on Aeroplan redemptions.

Final thoughts

My TD First Class Travel Visa Infinite Card review is positive. It’s an ideal card for people in the following situations:

• You want to save on travel – TD Rewards points are highly flexible and best used via Expedia for TD.
• You bank with TD – If you have an All-Inclusive Banking Plan, the annual fee is waived for this card.
• You want insurance – The included travel and purchase insurance with this card is excellent.

Although Expedia for TD may not be the best rewards program out there, it’s easy to understand and there are no blackout dates. Plus, the overall insurance package you get with this card is excellent. That said, the earn rate for this card is not as good as other cards out there.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

Hi Barry! Thanks for another great post. I currently use the AMEX cobalt as my everyday card and wanted to get a supplementary card to use when AMEX is not accepted. I currently have an All-Inclusive banking plan with TD, which would waive the annual fee for the TD First Class Travel Visa Infinite Card & the TD Aeroplan Visa Infinite Card. Which one would you recommend between the two?

Hey Sylvia.

It sort of depends on your goals. If you got the TD Aeroplan VI card, you could pool the points with your Cobalt since those points can be converted to Aeroplan. The TDFCTVI is good if need to make non-Aeroplan bookings such as car rentals or hotel bookings.

You state the following: “Note that was this card, you only need to charge 75% of your trip costs for your travel insurance to be valid.” However, my review of the wording indicates that under Trip Cancellation, you must charge the full cost of your trip to the card to get coverage. This is under the definition of Covered Trip.

You’re right. the 75% only applies to hotel/motel burglary and trip delay.

Calculating rewards with the new and improved TD First Class Travel makes it a good competitor to the Aeroplan card. I feel like it’s hard to get a good value with Aeroplan (2 cpp). More than often international travel gives around 1.4 cpp making the First Class card more valuable (if booking something via Expedia to get the $100 credit that is. Am I missing something? Would the Aventura or RBC Avion otherwise be better?

Hey Philippe,

I haven’t had too much trouble finding Aeroplan value between 1.8 – 2 CPP. Then again, I booked most of my travel before there was crazy demand.

Aventura and Avion both have a fixed travel program where you can get a higher CPP, but I personally find Aeroplan to be more valuable. I typically try to collect American Express Membership Rewards points and then transfer them to whatever program gives me good value when I need to make a redemption.

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TD First Class Travel ® Visa Infinite* Card   🇨🇦

• 2X points on all purchases
• Premium Insurance
• Visa Infinite Benefits

Earn up to $1,000 in value † , including up to 135,000 TD Rewards Points , no Annual Fee for the first year † and additional travel benefits. Conditions apply. Account must be approved by January 6, 2025.

• 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 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points † .
• Get an annual TD Travel Credit † of $100 when you book at Expedia® For TD.
• Get an Annual Fee Rebate for the first year † .

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 January 6, 2025.

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

• 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 † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

• An extensive suite of travel insurance coverages which helps you travel prepared
• No travel blackouts † , no seat restrictions † and no expiry † for your TD Rewards Points as long as your account is open and in good standing.

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .

Card Awards

Fees & conditions.

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the TD First Class Travel® Visa Infinite* Card, you can get up to 135, 000 TD Rewards points † and a rebate on the annual fee for the first year :

• 20,000 TD Rewards points for the first purchase made with your Card †
• 115,000 TD Rewards points if you spend $5,000 within 180 days of opening †
• A birthday bonus equal to 10% of the TD Rewards points you’ve earned in the past year, up to a maximum of 10,000 TD Rewards points † .

Get an Annual Fee Rebate for the first year †

With the TD First Class Travel® Visa Infinite* Card, you get:

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

This TD credit card is one of the best TD travel rewards cards.

• TD Best Credit Cards - September 2024
• The Best Travel Credit Cards - September 2024
• Best Visa Credit Cards - September 2024
• Canada's Best Credit Card Offers - September 2024
• Expedia For TD: How To Redeem TD Rewards Points?

Alternative Cards

† Terms and conditions apply.

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Points Programs

Hotel programs, best credit cards.

TD First Class Travel® Visa Infinite* Card

Updated on: September 4, 2024

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20,000 TD Rewards Points upon first purchase† 115,000 TD Rewards Points upon spending $5,000 within 180 days of account opening† Earn up to an additional 10,000 TD Rewards Points back on your birthday† Total of up to 135,000 TD Rewards Points†

Interest rates:

20.99% purchase 22.99% cash advance (20.99% in Quebec) 22.99% balance transfer (20.99% in Quebec)

Earning rate:

8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD† 6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases† 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account† 2 TD Rewards Points† per dollar spent on all other eligible purchases†

The TD First Class Travel ® Visa Infinite * Card is one of the most popular credit cards that allows you to earn points in the bank's proprietary TD Rewards program. With regular high-volume welcome bonuses, a strong return on travel purchases booked through Expedia, and a competitive insurance package, the TD First Class Travel ® Visa Infinite * Card is a solid choice to incorporate into your TD credit card strategy.

Bonuses & Fees

• 20,000 TD Rewards Points upon first purchase †
• 115,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †

Earning Rewards

• 8 TD Rewards Points † per dollar spent on travel booked through Expedia ® for TD †
• 6 TD Rewards Points † per dollar spent on groceries and restaurants †
• 4 TD Rewards Points † per dollar spent on recurring bills and purchases †
• 2 TD Rewards Points † per dollar spent on all other purchases †

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® . You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You'd apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point. If you'd rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD First Class Travel ® Visa Infinite * Card. However, the rate isn't quite as competitive at 250 points = $1, or 0.4 cents per point. Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point. Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value. TD Rewards Points never expire as long as you're a cardholder. † If you cancel or switch your card to a different product, you'll have 90 days' time to redeem your TD Rewards Points before they go away. However, you'll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you'll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

TD First Class Travel ® Visa Infinite * cardholders are eligible to earn a $100 credit † on accommodations and vacation packages booked through Expedia ® for TD. † This benefit is available annually to cardholders, and notably does not include flights. However, it certainly helps to offset the $139 annual fee that the card commands, beginning in the second year. Cardholders can also get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As one of TD's flagship travel rewards credit cards, the TD First Class Travel ® Visa Infinite * Card offers a strong set of insurance provisions. The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+. † There's also trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, up to a maximum of $5,000 and $25,000 per trip, respectively. † While flying, cardholders are covered for up to $500 in flight delay insurance and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. † And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. † Lastly, it also comes with  Mobile Device Insurance.  By paying for your smartphone, tablet, or smartwatch using your TD First Class Travel Visa Infinite Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

† Terms and conditions apply.

† The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

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Securities and other investment and insurance products are: not a deposit; not FDIC insured; not insured by any federal government agency; not guaranteed by TD Bank, N.A. or any of its affiliates; and, may be subject to investment risk, including possible loss of value.

SECURITIES AND OTHER INVESTMENT AND INSURANCE PRODUCTS ARE: NOT A DEPOSIT; NOT FDIC INSURED; NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY TD BANK, N.A. OR ANY OF ITS AFFILIATES; AND, MAY BE SUBJECT TO INVESTMENT RISK, INCLUDING POSSIBLE LOSS OF VALUE.

Based on average store hour data pulled in January 2024 of Top Banks (as defined below) in metropolitan statistical areas in which TD Bank operates ("TD MSAs"), excluding drive-thru hours and hours of locations in retail stores (such as grocery stores). Top banks are the top 20 banks by total deposits across TD MSAs, the top five banks by store share (or by total deposits, if store share is equal) in each TD MSA, and any bank with greater or equal store share compared to TD Bank in each TD MSA ("Top Banks").

©2022 TD Bank, N.A. All Rights Reserved.

TD First Class Travel ® Visa Infinite * Card

Summary of flytrippers' review, why get this card.

• Excellent welcome bonus of $1025
• Rewards of the more simple type that can be used for almost any travel expense
• Excellent insurance coverage
• Good multiplier earn rates
• No annual fee the 1 st year

WHO SHOULD GET THIS CARD

• Those who want simple points that can be used for almost any travel expense
• Those who want excellent insurance coverage
• Those who want no annual fee the 1 st year (even though the total value is always what you should look at)

Flytrippers award won

Scroll for all details or check out our review

Detailed review of the TD First Class Visa Infinite Card

• Go to our editorial card review page (coming soon)
• Keep scrolling here for all the details
• Apply now via TD secure link
• See all the best credit cards in Canada

All card details

Offer structure (2 separate bonuses)

• 20,000 TD Rewards points  Bonus after making 1 purchase (no minimum amount)
• 115,000 TD Rewards points Bonus after spending $5,000 (in a maximum of 180 days)

135,000 TD Rewards points Total with the 2 parts of the bonus

(Limited-time offer — Ends January 6, 2025)

‣ Apply for the TD First Class Travel ® Visa Infinite * Card

Total rewards by unlocking the welcome bonus

• 135,000 TD Rewards points Welcome bonus (2 parts)
• 30,000 TD Rewards points Estimated earn on the minimum spending requirement of $5,000 (at multiplier earn rate of 6 pts/$)

165,000 TD Rewards points Welcome bonus + Earn on the minimum spending requirement to unlock it

Net value (at our Flytrippers Valuation of 0.5¢/pt)

• $100 Welcome bonus after 1 st purchase (20,000 pts)
• $575 Welcome bonus after min. spend (115,000 pts)
• $150 Earn on the required spending (30,000 pts)
• $100 Travel credit on $500+ hotel booking (2024)
• $100 Travel credit on $500+ hotel booking (2025)
• –$0 Card fee (rebated the 1 st year)

$1025  Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

Effective return rate

20.5% Return on the minimum spending requirement of $5,000 in 180 days

‣ Details about effective return rates (coming soon)

Rewards acquisition summary

$1025  Rewards you get for  $0 in fees paid

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 165,000 TD Rewards points  you get by unlocking the welcome bonus:

• $825 Travel booked on Expedia for TD
• $660 Travel booked on any website
• $545 Merchandise on Amazon
• ≈ $545 Gift cards
• ≈ $545 Merchandise
• $412 Statement credit

‣ Details of the best redemptions of TD Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value  per TD Rewards point to help you understand:

• 0.5¢ Travel booked on Expedia for TD
• 0.4¢ Travel booked on any website
• 0.33¢ Merchandise on Amazon
• ≈ 0.33¢ Gift cards
• ≈ 0.33¢ Merchandise
• 0.25¢ Statement credit

‣ Details of the value per point

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 165,000 TD Rewards points  for:

• 1,000 pts Discount of $5 on travel booked on Expedia for TD
• 10,000 pts Discount of $50 on travel booked on Expedia for TD
• 100,000 pts Discount of $500 on travel booked on Expedia for TD
• 165,000 pts Discount of $825 on travel booked on Expedia for TD

Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

• 1,000 pts Discount of $4 on travel booked on any website
• 10,000 pts Discount of $40 on travel booked on any website
• 100,000 pts Discount of $400 on travel booked on any website
• 165,000 pts Discount of $660 on travel booked on any website

Redemptions for anything other than travel

Should  always be avoided , as with (almost) all  rewards!

‣ Details about why you should always use your rewards for travel

Annual Birthday Bonus † On your birthday, you’ll get a bonus equal to 10% of the total points earned on your purchases in the 12 months prior, up to 10,000 points.

‣ Details about the TD Birthday Bonus (coming soon)

Annual $100 travel credit † You get a $100 travel credit that applies on your 1 st hotel booking of $500 or more at Expedia For TD every calendar year.

‣ Details about the TD annual travel credit (coming soon)

Starbucks partnership † You get 50% more TD Rewards points and 50% more Stars.

‣ Details about the TD and Starbucks partnership (coming soon)

Access to the TD Lounge at Toronto Union Station † Not as nice as airport lounges, but this lounge provides free coffee and a few snacks.

‣ Details about the TD Lounge at Union Station (coming soon)

Visa Infinite Hotel Collection † You get exclusive perks at some expensive luxury hotels.

‣ Details about the Visa Infinite Hotel Collection (coming soon)

Visa Infinite Dining and Wine Country program † You get access to exclusive expensive gourmet experiences.

‣ Details about the Visa Infinite Dining and Wine Country program (coming soon)

Visa Infinite Entertainment Access † You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣ Details about the Visa Infinite Entertainment Access program (coming soon)

Insurance included

• Medical travel insurance for age 64 and under (21 days) †
• Medical travel insurance for age 65 and above (4 days) †
• Flight delay insurance ($500, 4hr minimum) †
• Trip cancelation insurance †
• Trip interruption insurance †
• Travel accident insurance †
• Delayed and lost baggage insurance †
• Rental car insurance †
• Hotel burglary insurance †
• Extended warranty coverage †
• Purchase protection coverage †
• Mobile device insurance †

‣ Details about the insurance coverage included with the card (coming soon)

Insurance not included (among the main types)

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

8 points per $ ( 4% ):

• Travel booked through Expedia For TD †

6 points per $ ( 3% ):

• Groceries †
• Indirectly at all retailers from the gift cards display in grocery stores †
• Restaurants † (and food delivery apps )

4 points per $ ( 2% ):

• Recurring bill payments set up on your Account †

2 points  per $ ( 1% ):

• All other purchases †

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards) You can pool TD Rewards points with additional cards (“joint” cards) added to this account. Additional cards have a fee of $50 (rebated in the 1 st year for the 1 st additional card if added to account before January 6, 2025) † .

‣ Details about pooling rewards with additional cards (coming soon)

Pooling (with separate cards that earn TD Rewards points) You can pool points across your separate cards that earn TD Rewards points.

‣ Details about pooling TD Rewards points from separate cards (coming soon)

Pooling (with travel companions) You cannot pool TD Rewards points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling TD Rewards points with travel companions (coming soon)

Expiration (if you have the card) TD Rewards points never expire as long as you have the TD First Class Travel ® Visa Infinite * Card !

‣ Details about TD Rewards points expiration (coming soon)

Expiration (if you don’t have the card) You have 3 options to easily keep your TD Rewards points from expiring even without the card:

• Change the card to its no-fee version instead of closing it
• Combine points with those from another card that earns TD Rewards points
• Redeem points in the 90 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the TD First Class Travel ® Visa Infinite * Card
• Make 1 purchase (no minimum) to unlock 1 st part of bonus
• Spend $5,000 (in a maximum of 180 days) to unlock 2 nd part of bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

How to use/manage rewards

• Create a TD online account in a few clicks
• Use/manage your TD Rewards points on the TD website

‣ Learn more about how to use/manage TD Rewards points (coming soon)

Card eligibility

• Minimum income: $60,000 (personal) OR $100,000 (household) †
• Age: Majority in your province
• Estimated credit score: Good OR Excellent
• Credit bureau: Equifax Canada

‣ Details about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have activated or closed the TD First Class Travel ® Visa Infinite * Card in the past 12 months.

‣ Details a bout credit card welcome bonus eligibility rules (coming soon)

Offer end date Account must be approved by January 6, 2025 † .

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

Summary of card details

• Issuer: TD Bank Canada (Toronto-Dominion)
• Network: Visa
• Card type: Credit card
• Product type: Personal card
• Rewards: TD Rewards points
• Rewards class: Bank rewards

‣ Details about credit card basics (coming soon)

• Card fee: $139/year (rebated in the first year; account must be approved by January 6, 2025) †
• Fee for optional additional card: $50/year (rebated in the first year; you must add your first Additional Cardholder by January 6, 2025) †
• Foreign transaction fee: 2.5% †
• Balance transfer fee: 3% †

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

Annual interest rates

• Purchases: 20.99% †
• Funds advances: 22.99% † (20.99% for Québec residents) †

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Earn up to $1,000 in value † , including up to 135,000 TD Rewards Points, no Annual Fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by January 6, 2025.  

• 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 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points † . 
• Get an annual TD Travel Credit †  of $100 when you book at Expedia ®  For TD. 
• Get an Annual Fee Rebate for the first year † . 

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by January 6, 2025. 

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards. 

Your Card also allows you to enjoy: 

• An annual TD Travel Credit † of $100 when you book at Expedia ® For TD.  
• TD Rewards Birthday bonus † that helps you celebrate in style. 
• An extensive suite of travel insurance coverages which helps you travel prepared 
• No travel blackouts † , no seat restrictions † and no expiry † for your TD Rewards Points as long as your account is open and in good standing. 
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.  
• 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 † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Explore the travel benefits and insurance coverages included with your Card:  

• $100 TD Travel Credit †  

Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.  

• Travel Medical Insurance †  Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available. 
• Flight/Trip Delay Insurance † : Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours. 
• Trip Cancellation/Trip Interruption Insurance †  For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip. 
• Common Carrier Travel Accident Insurance †  Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental) 
• Emergency Travel Assistance Services †  Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling. 
• Delayed and Lost Baggage Insurance †  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. 
• Auto Rental Collision/Loss Damage Insurance †  

Coverage up to 48 consecutive days 

• Visa Infinite Luxury Hotel Collection † :  Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. 
• Visa Infinite Dining Series † :  As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines. 
• Visa Infinite Wine Country Program † :  Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more. 
• Visa Infinite Entertainment Access † :  Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®  
• Mobile Device Insurance † :    

Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices. 

• Hotel/Motel Burglary Insurance † : coverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with 

the Cardholder. 

• Purchase Security and Extended Warranty Protection † :   You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months. 

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here )

via TD secure application

Questions? Make use of Flytrippers' expertise

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Terms & conditions — Travel rewards

† Terms and conditions apply.

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The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here .

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Apply now for the TD First Class Travel ® Visa Infinite * Card and get a welcome bonus worth $ 1025 !

Credit card travel insurance: What you need to know

Credit card travel insurance offers protection against common travel mishaps. Understand the types of coverage available, how to qualify, and when you might need standalone insurance for more comprehensive protection.

Dan Rafter has written about personal finance for more than 20 years. He's written for Bankrate.com, the Chicago Tribune, Washington Post, Christian Science Monitor, Phoenix Magazine, Mental Floss Magazine, and several other publications.

Gabriela Walsh

Gabriela Walsh is a Certified Educator in Personal Finance® and a personal finance editor at Bankrate. Her previous work experience includes various editorial positions at FinanceBuzz. She combines her understanding of language and literature with her commitment to delivering content that empowers others to build healthy money management skills.

Updated September 25, 2024, 10:42 AM EDT

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Advertiser disclosure: Content provided by Bankrate.com . Fox and its content partners earn compensation from the affiliate companies below. This content doesn’t include all available offers, and compensation may impact how and where links appear in the content.

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Have you ever had a flight canceled at the last minute? Or arrive at your destination only to find your luggage decided to take a different vacation?

Credit card travel insurance can relieve financial headaches when your travel plans go wrong. From trip cancellations to lost luggage, many cards offer protections that reimburse you for unexpected expenses.

What is credit card travel insurance?

Credit card travel insurance is a suite of protections for common travel mishaps. It typically includes:

Trip cancellation and interruption insurance

Trip delay insurance, baggage delay and lost luggage insurance, travel accident insurance, emergency evacuation insurance.

Let’s take a closer look at each type of coverage.

This benefit reimburses you for non-refundable expenses if you have to cancel or cut your trip short for covered reasons, such as illness, severe weather, or jury duty.

Just make sure you understand your card's coverage. Coverage limits often apply, and reimbursement is only for reasons specified in the policy.

If your flight gets significantly delayed, this insurance can cover expenses like meals and lodging. Most cards require a minimum delay (often 6-12 hours) before coverage kicks in.

This protection reimburses you for essential purchases if your luggage arrives late or goes missing entirely. Just make sure that your delay is long enough for your insurance to kick in and that you don't buy any items that aren't covered.

Travel accident insurance might cover your expenses after seeking medical treatment for those injuries. Policies vary, but your provider might offer financial compensation for death or dismemberment, loss of sight, or loss of hearing.

If you or your immediate family members require an emergency evacuation from your travel destination, this benefit can cover the cost of transportation.

Credit card travel insurance vs. standalone travel insurance

If you travel abroad from the United States, your health insurance will not cover you if you suffer an illness or sickness and require treatment in another country. Standalone travel insurance policies typically offer more comprehensive coverage, especially for medical care abroad. The cost ranges based on the length of your trip and how much coverage you require.

While free with your card, credit card travel insurance often has lower coverage limits and may not include medical coverage. For international trips or specific concerns, it may be wise to supplement your credit card insurance with a standalone policy.

Elad Schaffer, co-founder and CEO of Faye Travel Insurance, advises, "Some travel credit cards may come with partial trip protection and emergency medical coverage but typically are wrought with limitations compared to whole-trip travel insurance policies. Make sure to dive into your travel credit card coverage before automatically opting for that over a more comprehensive travel insurance policy."

When to rely on credit card travel insurance

Credit card travel insurance is often enough coverage for domestic trips, especially if you have comprehensive health insurance. For international travel or if you have specific concerns, consider supplementing with a standalone policy to ensure adequate medical coverage and higher reimbursement limits.

How to qualify for credit card travel insurance

To access your card’s travel insurance benefits:

• Apply for a card offering travel insurance. These cards often require good to excellent credit (a FICO score of 670-850).
• Book your travel using that specific card. If you use a different card, the card offering travel insurance won’t reimburse you.
• Meet any additional requirements, such as minimum trip length or delay duration. Remember that some cards have reimbursement limits that might not cover your entire expense.

Credit cards that offer travel insurance

Several credit cards offer travel insurance. Here are a few options:

Dr. Peter Earle, senior economist at the American Institute for Economic Research, says that consumers should choose their card carefully: Not all cardholders need all the travel insurance perks offered by cards that charge higher annual fees.

"It is critical to know what you are getting and not getting," Earle says. "If you are just a casual traveler, it is probably not worth paying a higher annual fee to access perks that you will probably not use. It's up to the individual to know if a card with travel insurance is worth it."

Coverage details and limitations

How do these travel insurance benefits work? Here’s a look at the basics of each major travel insurance category:

Trip cancellation and interruption

Each credit card provider's trip cancellation/interruption insurance will vary slightly, but covered reasons often include:

• Illness or injury of you, a traveling companion, or a family member
• Severe weather that prevents travel
• Jury duty or subpoena
• Terrorist incident at your destination

Most cards have a maximum benefit amount per trip and per 12-month period. Check your specific card's terms for exact coverage limits.

If your flight, train, or other common carrier gets delayed beyond a certain number of hours (usually 6-12), this coverage can reimburse you for reasonable expenses. This may include meals, lodging, and toiletries.

The delay time required to trigger coverage and maximum reimbursement amounts vary by card. Some cards may have a per-ticket limit and a total trip limit.

For example, if you booked your travel with a qualifying American Express card, the maximum benefit is $10,000 for a covered trip and $20,000 for an eligible card for 12 consecutive months.

Lost luggage coverage typically reimburses you if the airline permanently loses your checked bags. There's usually a maximum benefit amount per covered trip. Capital One's lost luggage benefit is a good example of how this perk usually works. If your airline loses your luggage, your card will reimburse you for up to $3,000 per covered trip.

Baggage delay insurance kicks in when your luggage is temporarily delayed, often for six hours or more. It usually covers essential purchases like clothing and toiletries, up to a daily and total trip maximum.

For example, if you booked travel with your Chase Sapphire Reserve and your baggage was delayed for more than six hours, you can be reimbursed for essential purchases such as clothing and toiletries — up to $100 daily for five days.

This provides coverage in case of accidental death or dismemberment during a trip. The coverage amount can be substantial but only applies in specific circumstances.

Travel accident insurance coverage varies by provider, but the United Club Card, for example, provides up to $500,000 of accidental death or dismemberment coverage.

The card can also cover medical services and transportation if you or a member of your immediate family requires an emergency evacuation during a trip because of illness or injury.

Filing a claim and receiving benefits

You’ve had to cancel your trip, your luggage gets lost somewhere across the country, or you get stuck in the airport during a 10-hour delay. How do you file a claim for your travel insurance benefits?

The process varies by provider, but here are the basic steps you’ll need to take:

• Contact the airline (or cruise line, etc.) first. They need to start their claims process before your card company steps in.
• Notify your credit card company within the required timeframe. Most companies give you a 20-60 day window to start the claims process.
• Fill out a claim form and submit any required documentation (e.g., receipts, medical records, trip itinerary).
• Provide any additional information requested by the card issuer.

Always keep detailed records and receipts for all expenses related to your claim.

Tips for maximizing your credit card’s travel insurance benefits

• If you’re a frequent traveler, choose a card with solid travel benefits.
• For occasional travelers, look for cards with decent insurance and lower annual fees.
• Always book travel with the card offering the insurance.
• Keep detailed records of all travel-related expenses and documentation.
• Read the fine print before you jet off — knowing your coverage beforehand is better than finding out later.

Frequently asked questions

What is the difference between credit card travel insurance and standalone travel insurance.

Standalone travel insurance is usually more comprehensive and often provides higher compensation amounts. Standalone insurance can cover health care when you are in a foreign country, a protection that most credit cards won’t offer.

Can I rely solely on credit card travel insurance for all my travel protection needs?

This depends mainly on your health insurance and where you are traveling. If you have health insurance and travel domestically, your credit card’s travel insurance might provide enough coverage.

But if you're traveling internationally, consider purchasing a standalone travel insurance policy that will protect you if you need medical treatment.  

How do I know if my credit card offers travel insurance coverage?

Read the benefits information sent with your card. If you no longer have that documentation, log onto your card’s online portal and search for travel insurance benefits.

The bottom line

Credit card travel insurance is like most other insurance: You hope you never have to use it. But if your flight is canceled or delayed, your luggage is lost, or you break your leg while traveling, your credit card’s travel insurance benefits can provide you with a safety net. If you’re a frequent traveler, looking for cards offering this protection makes sense.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

Editorial disclosure: Opinions expressed are author's alone, not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any of the entities included in the post.