td first class travel visa promo

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

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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.

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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Mar 6, 2024, 3:51am

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 up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• 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 June 4, 2024.
• 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.

• 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 June 4, 2024.
• 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.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make. Travel booked through Expedia For TD will earn you 8 TD rewards points per dollar spent. Eligible grocery and restaurant purchases will earn you 6 TD rewards points for every dollar spent. If you set up regularly recurring bill payments to your account you will earn 4 TD rewards points for every dollar spent. Meanwhile, all other purchases will earn 2 TD rewards points per dollar spent. Note that there is an annual spending cap of $25,000 for the accelerated categories. If you exceed the spending cap you will then earn 2 TD rewards points for every dollar spent.

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.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you are someone who likes 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 dollar. 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.

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 June 3, 2024)
• Any other fees:  Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024)

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.

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.

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TD First Class Travel ® Visa Infinite* Card   🇨🇦

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

Earn up to $800 in value † , including up to 100,000 TD Rewards Points , no Annual Fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card †
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• Earn a Birthday Bonus of up to 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. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

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 earn up to 100,000 TD Points † and a first year annual fee rebate :

• Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card †
• A Birthday Bonus of up to 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.

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• Expedia For TD: How To Redeem TD Rewards Points?

Alternative Cards

• Great Welcome Offer
• Air Canada Benefits
• NEXUS Credit
• Card Details

Earn up to $1,200 in value † , including up to 50,000 Aeroplan points † (enough for a round trip to New York City † ) and additional travel benefits. Account must be approved by June 3, 2024.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card †
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening †
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening †
• Enroll for NEXUS and once every 48 months get an application fee rebate †
• Plus, share free first checked bags with up to 8 travel companions †
• Earn 1.5 points † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations ® ) made with your card
• Earn 1 point † for every $1 spent on all other Purchases made with your Card
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD ® Aeroplan ® Visa Infinite* Cardholder in good standing.
• Earn big rewards on the little things : Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks ® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks ® Rewards account. Conditions apply.
• Earn Aeroplan Points on your everyday purchases
• Redeem your points for travel and more.
• Take advantage of an extensive suite of travel insurance † .
• Travel lightly through the airport and save on baggage fees † : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge † : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• 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.

† Terms and conditions apply.

• Primary card $139
• Additional card $75
• Individual $60,000
• Household $100,000
• Purchase Rates 20.99 % 20.99 % (QC)
• Cash Advance Rates 22.99 % 20.99 % (QC)
• Balance Transfer Rates 22.99 % 20.99 % (QC)
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• Groceries 1.5 Aeroplan Points
• Gas 1.5 Aeroplan Points
• Air Canada 1.5 Aeroplan Points
• Year 1 $1,425
• Year 2+ $425
• Annual Credit
• VIP Lounges
• Travel credit
• 4.5X points on grocery and restaurants purchases†
• Purchase Insurance

Earn up to $370 in value † , including up to 50,000 TD Rewards Points † and no Annual Fee for the first year † . Conditions apply. Account must be approved by September 3, 2024.

• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card † .
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening † .

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 September 4, 2024.

• Earn 6 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD † .
• Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
• Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account † .
• Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card † .
• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks ® and more.
• Booking your travel through Expedia ® For TD † to maximize the TD Rewards Points you can earn on your travel purchases.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

†Terms and conditions apply.

• Primary card $89
• Additional card $35
• Individual $0
• Household $0
• Groceries 4.5 TD Rewards Points
• Dining and Food delivery 4.5 TD Rewards Points
• Recurring Payments 3 TD Rewards Points
• Year 1 $647
• Year 2+ $219
• 3% cash back on groceries and gas

Earn up to $500 in value † , including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 † . Conditions apply. Account must be approved by June 3, 2024.

• Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made † .

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 June 4, 2024.

• Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases † , and on regularly recurring bill payments † set up on your account
• Earn 1% Cash Back Dollars on all other Purchases made with your Card †
• Earn Cash Back Dollars on every eligible purchase.
• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours! †
• Your Cash Back Dollars never expire as long as your account is open and in good standing
• Emergency Road Services with Deluxe TD Auto Club Membership
• Complimentary Visa Infinite * Concierge service † available 24/7
• Mobile Device Insurance †
• Additional card $50
• Best Cash Back Credit Cards in Canada - April 2024
• Groceries 3 %
• Recurring Payments 3 %
• Year 1 $969
• Year 2+ $341

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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 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

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

You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024..  Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD. 

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

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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

Welcome Offer Ends Jun 3, 2024

Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.

• Rates & Fees

8 Points Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†

6 Points Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†

4 Points Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†

2 Points Earn 2 TD Rewards points for every $1 you spend using your card.†

10% Bonus Points Each year, received a birthday bonus equal to 10% of the total number of points earned over the 12 preceding months.†

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

USD The annual fee is in USD

$139 Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.

20.99% Purchase APR APR for purchases 20.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

Good Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

By Money.ca & Scott Birke

Updated: March 27, 2024

Play article   

(    mins)

(    )

This offer is not available for residents of Quebec.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD†. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

Unfortunately the card leaves a bit to be desired due to its relative lack of auxiliary travel features. This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Pros and Cons of the TD First Class Travel® Visa Infinite* Card

Major combined value for the welcome bonus (up to $800†)

Good base earn rate on all purchases

Huge earn rate when you book travel through Expedia® For TD†

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Does not provide free lounge access

Charges foreign transaction fees

Welcome bonus

Earn up to $800 in value † , including up to 100,000 TD Rewards Points, no Annual Fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card † .
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• Earn a Birthday Bonus of up to 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. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

Earning TD Points

• 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†

Points don’t expire as long as your account is active, and the card has no caps on the total amount of TD Points that can be earned.

Redeeming TD Points

Though there are a number of redemption options with TD Points, you get the best value when redeeming for travel via one of two methods:

Book Any Way†

The Book Any Way† redemption path allows you to charge eligible travel expenses to your credit card and then retroactively redeem your points for those expenses within 90 days of the expense date. Travel expenses may include but are not limited to:

• Air travel taxes
• Baggage fees
• Airport parking and shuttles
• Car rentals
• Local commuter transport, like trains, buses or subways
• Travel attractions and entertainment

Each point redeemed via Book Any Way† is worth $0.004 for the first $1,200 of any redemption and $0.005 for the remainder of any redemption above $1,200.

Expedia® For TD

Points can alternatively be redeemed† for flights, hotels, vacation packages and rental cars via ExpediaForTD.com. Redeeming with this method yields a flat value of $0.005 per point. The site will indicate the dollar value of the TD points you have on hand, and then you apply those points to your travel purchase when checking out.

Aside from the high value in earning and redeeming† rewards via ExpediaForTD.com, the platform also provides a nice price guarantee feature: If you find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in, Expedia will refund the difference between what you paid and the lower rate you found.

Other redemption paths

TD Points can also be redeemed for the following, though the value you get per point tends to be lower than what you get for the above two travel redemption methods.

• Amazon’s Shop with Points†: Select your TD card  as your method of payment at Amazon.ca checkout , then automatically apply points toward your purchase. 10K TD Points can be redeemed for $33 (value of $0.0033 per point) and can be redeemed for Amazon.ca purchases either in part or in full.
• TD’s Shop the Mall†: Redeem points for clothing, electronics and computers from retailers like Roots, Zara, and the Body Shop.
• TD’s Shop the Catalogue†: Redeem points for merchandise including clothing, games, furniture, and appliances.
• Gift cards† at retailers like Bed Bath & Beyond, Best Buy, Canadian Tire, and more.
• Cash statement credit† for your TD card account. This requires a minimum 10K points to redeem. The first 10,000-point minimum is worth $0.005 per point and then each additional 400 points is worth $1 (0.0025 per point).
• Education credit† via HigherEdPoints.com. Credits must be purchased in minimum 62,500 points/$250 credit increments, for a redemption value of $0.004 per point.

Insurance and protections

The card’s suite of travel insurance, car rental insurance, and purchase coverage is adequate, though not the best in the field for its price point.

Compared to competing Canadian travel credit cards with a comparable annual fee, some notable weaknesses in the above suite of travel insurance include the relatively brief coverage periods of Travel Medical Insurance†; low-ish maximums for Trip Cancellation payouts†. A comparative strength of the TD First Class Travel® Visa Infinite* Card is its Trip Interruption coverage†, which is very generous.

You can check out our  guide to credit card travel insurance  to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

Fees, rates and eligibility requirements

The card’s $60,000 individual and $100,000 household annual income requirements are reasonable for a travel credit card with rewards earn rates at this level, as are the $139 annual fee for the primary cardholder and $50 annual fee for each additional authorized user. Other fees and interest rates are also standard, with a 20.99% purchase interest rate; 22.99% balance transfer rate; 22.99% cash advance rate; and 2.5% foreign transaction fee.

One very unusual card benefit is the possibility of getting both the primary cardholder’s $139 annual fee and an additional authorized user’s $50 annual fee fully rebated every year.† This feature is available to new cardholders who are also members of TD’s All-Inclusive Banking Plan. It’s rare for Canadian banks to really reward clients that  bundle together  multiple products, and it’s an incentive that other financial institutions might do well to take note of.

How does it compare to competing travel cards?

When compared to  competing travel credit cards  with comparable annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate† effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD. The foreign transaction fees, lack of free airport lounge access and middling travel insurance package might ultimately make it a better card for those who do a significant amount of domestic travel; those who frequently find themselves overseas might consider a different travel credit card with more globetrotter-friendly perks, such as:

Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

BMO Ascend™ World Elite®* Mastercard®*

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.* You can learn more about this card by reading our complete  BMO Ascend™ World Elite®* Mastercard®* review .

What is the difference between TD Points and TD Rewards Points?

There is no meaningful difference beyond the different names.

Do I need to notify TD when travelling?

Most banks, including TD, no longer require international travel notifications, though TD does continue to monitor its clients’ credit card activity whether they are inside or outside Canada.

What is Expedia for TD?

Expedia® For TD is a partnership between Toronto-Dominion Bank and the online travel agency Expedia. Booking travel with Expedia® For TD yields the best value possible for your TD Points, though it is a less flexible and more limited redemption method than the Book Any Way† method.

About our authors: faces of finance

The Money.ca Editorial Team is a group of passionate financial experts, seasoned journalists, and content creators who are deeply committed to providing unbiased, relevant, and accurate financial information. With years of combined industry experience, our team is dedicated to maintaining the highest journalistic standards and delivering informative and engaging content. From personal finance and investing to retirement planning and business finance, we cover a broad range of topics to suit the financial needs of our diverse readership. You can trust the Money.ca Editorial Team to empower you with the knowledge and tools necessary to make wise financial decisions.

These articles do not include bylines, as they are intended to provide information about the company or have been written by an internal team at Money.ca, rather than stories by individual writers or contributors. Bylines are used for all other articles.

Scott Birke is a finance editor and writer with an interest in credit cards, investing, saving money and personal finance. Scott joined Wise Publishing from Finder, and his byline has appeared in the National Post, Mountain Life and Rock and Ice. When he's not trying to help Money.ca readers save money by comparing better financial products, he can be found riding his snowboard or mountain bike or listening to his small (but growing) vinyl collection.

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The content provided on Money.ca is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.

• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 80,000 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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Home » TD First Class Travel Visa Infinite Card: Up to 115,000 bonus points + no annual fee in the 1st year

TD First Class Travel Visa Infinite Card: Up to 115,000 bonus points + no annual fee in the 1st year

A new increased welcome bonus offer of up to 115,000 points is now available on the TD First Class Travel ® Visa Infinite* Card . In addition to the bonus points, newly approved cardholders receive a first year annual fee rebate on the primary and first additional card added to the account. This new offer is available until January 3, 2024.

TD First Class Visa Infinite Welcome Bonus

The new increased welcome bonus of up to 115,000 points on the TD First Class Travel Visa Infinite Card is broken down as follows:

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 95,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• Get a free 12 month† Uber One membership (that’s $120 in value†).
• 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 4, 2024.

This new welcome bonus is relatively easy to achieve. you’ll earn 20,000 points right away on your first purchase and then an additional 95,000 if you spend $5,000 over the course of six months . That works out to an average of $833.34 in monthly spending over those 6 months which should be easy enough for those whose income makes them eligible to get this card ($60,000 personal / $100,000 household) .

Value in the Welcome Bonus

Here are just a few examples of what those 115,000 points can get you in terms of rewards:

• $575 worth of travel when you redeem via ExpediaForTD
• $460 worth of travel when you redeem for any travel that you book yourself and charge on the card
• $460 worth of education payments when you redeem your TD Rewards points via HigherEdPoints . ($460 is an example of the potential value as you have to redeem in 62,500 point increments for HigherEdPoints)
• $287.50 in gift cards or statement credits.

Annual Fee Waiver

With this current welcome bonus you do get a first year annual fee waiver and after that the card’s annual fee is $139.

If you are a TD All-Inclusive account holder, you’ll continue to receive a full rebate of the Annual Fee for the Primary Cardholder and the First Additional Cardholder as well.

Card Highlights:

• 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 TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder
• 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 coverage 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.

Wrapping it up

TD’s new card offers for the fall and early winter have been released and they include this excellent increased offer for the TD First Class Visa Infinite Card. The welcome bonus provides up to 115,000 TD Rewards points which are worth up to $575 in travel value. Thanks to also having no annual fee in the first year this new bonus moves the card into the top 5 for this month in terms of welcome bonus value.

Click here to learn more about and/or to apply for the card

† Terms and Conditions apply.

Sponsored advertising. 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.

This offer is not available for residents of Quebec. For Quebec residents, please click here .

Want to learn more? Have a question? Join our Facebook group to ask the Rewards Canada community!

Be sure to subscribe to the Rewards Canada News email newsletter so that you don’t miss out on any loyalty program news and offers! You can subscribe to the newsletter here

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TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 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. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points 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†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• 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.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• 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.
• 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.
• 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.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• 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.
• 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.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• 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.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• 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.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 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 September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• 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 September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• 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.
• 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.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• 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. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 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.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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Explore the best travel credit cards in Canada for daily spending, flexible travel rewards, big welcome bonuses and more.

Best TD Bank Credit Cards in Canada

The best TD Bank credit cards in Canada include several Visa Infinite options as well as co-branded travel credit cards that earn Aeroplan points.

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• Credit Cards

Free Uber One Membership with TD Rewards Credit Cards

If you have an eligible TD Rewards credit card, you’re now eligible for up to one year of complimentary Uber One membership.

From May 23, 2023 to May 23, 2024, eligible cardholders are able to sign up for a free Uber One membership for a six- or 12-month period, depending on their card tier.

What Is Uber One?

Uber One is Uber’s membership program, which provides extra benefits to Uber’s most frequent riders and eaters. Benefits of Uber One include:

• Unlimited $0 delivery fees on Uber Eats orders of at least $15, as well as grocery and non-restaurant orders of at least $40
• 5% off Uber Eats orders of at least $15 from eligible restaurants
• 5% off eligible rides,  with access to top-rated drivers
• Rotating monthly offers and promotions

Here in Canada, Uber One is typically priced at $9.99/month, although TD credit card holders can now activate a one-time free Uber One membership with varying durations depending on their card tier.  

Which TD Credit Cards Are Eligible?

In total, four TD credit cards, and even a debit card linked to a specific chequing account, are eligible for a free Uber One membership:

Your card tier will determine how many months of a free Uber One membership you’ll get to enjoy.  

The entry-level TD Rewards credit cards will get six months of free Uber One membership:

• TD Rewards Visa Card
• TD Platinum Travel Visa Card

The core and small business TD Rewards credit cards will get 12 months of free Uber One membership:

• TD First Class Travel Visa Infinite Card
• TD Business Travel Visa Card

Even if you don’t have any of the above credit cards, you can still qualify for six months of free Uber One membership if you have a TD Access Card with Visa Debit linked to a new eligible TD chequing account , which include any of the following:

• TD All-Inclusive Banking Plan
• TD Unlimited Chequing Account
• TD Every Day Chequing Account
• TD Student Chequing Account

It’s important to note that you’ll need to open one of the above bank accounts between May 23, 2023 and May 23, 2024 in order to be eligible. 

How to Activate Your Free Uber One Membership

To activate your free Uber One membership, you’ll need to follow these steps:

• Open your Uber or Uber Eats app (make sure you have the latest version downloaded).
• Add your TD Rewards credit card or debit card as a payment method to your account.  
• The offer will automatically pop up within 48 hours once your card is linked, and you’ll be able to activate your free Uber One membership.  

If you already have a TD Rewards credit card linked to your Uber or Uber Eats account, you’ll also automatically be presented with the screen to activate a free Uber One membership within the next 48 hours.  

And if you’re already an Uber One member, then you can still take advantage of the free membership offer that corresponds to your TD Rewards credit card tier – you simply won’t be billed after the next billing cycle for the next six or 12 months, depending on which card you hold.

After your free membership period ends, you’ll automatically be billed at the default Uber One pricing of $9.99/month, unless you cancel before that.

If you intend to cancel, make sure to set an alert to do so prior to the billing date following your six- or 12-month free period.  

Registration Window

This is a one-time offer from TD and Uber Canada with a registration window of one year’s time.

Regardless of which credit card you hold, you must activate your free Uber One membership by May 23, 2024 in order to take advantage of this offer.

As long as the activation is completed by May 23, 2024, the six- or 12-month durations will apply to your Uber One membership going forward.

This also means that you can also apply for a new TD Rewards credit card if you don’t have one right now, and then use it to activate its corresponding Uber One offer.  

Since the free Uber One membership is limited to one per Uber account, there’s no advantage to waiting to activate the offer, unless you plan on using Uber One benefits much more frequently in the distant future.  

For most eligible cardholders, it makes sense to go ahead and activate the membership as soon as possible.

One Offer Per Uber Account

Each Uber account is limited to activating one free Uber One membership, even if you happen to hold multiple TD Rewards credit cards. For example, if you have a TD First Class Travel Visa Infinite Card and a TD Business Travel Visa Card , you can only benefit from one Uber One membership linked to your account.

If you have multiple cards across the two different tiers, it would therefore make sense to activate the offer using the highest-tier credit card in order to earn the free Uber One membership for the longest duration (e.g., if you have entry-level and core TD Rewards credit cards, be sure to use the core card to activate the 12-month offer). 

Once you’ve activated your own membership, you have a few options for what to do with your remaining credit cards, or the eligible credit cards for anyone else in your household.

You could link them to a friend or family member’s Uber account and offer them a free Uber One membership – keeping in mind that you can still order food and rides for yourself using another individual’s Uber account.

For example, if you typically order delivery as a household, then you could do the following:

• Use a core TD credit card to activate one 12-month free Uber One membership on your own Uber account as of today
• Then, use another core TD Rewards credit card to activate a second 12-month free Uber One membership on your spouse’s Uber account in early May 2024

This would give you cheaper eats with $0 delivery fees as a household all the way through to May 2025.  

Additional Perks for New Uber Accounts

If you don’t yet have an Uber account, be sure to add the TDxUBER promo code in for your first ride or your first Uber Eats order.

On your first Uber ride, you can get a 15% discount (up to $10 off), and on your first Uber Eats order, you can get $30 off. 

TD and Uber Canada have launched a partnership that offers a free Uber One membership to eligible cardholders. As of May 23, 2023, holders of the TD Rewards Visa Card , the TD Platinum Travel Visa Card , the TD First Class Travel Visa Infinite Card , and the  TD Business Travel Visa Card can sign up for a free Uber One membership of six or 12 months in duration, depending on their card tier.

Even if you don’t have an eligible credit card, you can still access a free six-month free Uber One membership with your TD Access Card with Visa Debit by opening a new eligible chequing account.

Be sure to register for the offer by May 23, 2024 to take advantage of the benefits from the Uber One membership.

• Earn 80,000 MR points upon spending $15,000 in the first three months
• Plus, earn  40,000 MR points  upon making a purchase in months 14–17 as a cardholder
• And, earn 1.25x MR points on all purchases
• Also, receive a $200 annual travel credit
• Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
• Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
• Credits and rebates for business expenses throughout the year with Amex Offers
• Bonus MR points for referring family and friends
• Qualify for the card as a sole proprietor
• Annual fee: $799

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Business Platinum Card from American Express

120,000 MR points

American Express Aeroplan Reserve Card

85,000 Aeroplan points

American Express Platinum Card

100,000 MR points

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

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TD ® Aeroplan ® Visa Infinite * Card

Summary of flytrippers' review, why get this card.

• The excellent welcome bonus worth ≈ $622
• The partial welcome bonus option available with a lower minimum spend
• The extremely valuable Aeroplan points that offer outsized value
• The Air Canada travel benefits like free checked bags
• The $100 NEXUS credit
• The excellent insurance coverage

WHO SHOULD GET THIS CARD

• Those who want valuable points that can provide outsized value
• Those who want very valuable Aeroplan points
• Those who want many travel benefits (especially on Air Canada)
• Those who want excellent insurance coverage

How to learn more

• 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

Card details

Special Offer Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†) and additional travel benefits. Account must be approved by June 3, 2024.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card† 
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†
• Plus , earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening† 
• Earn Aeroplan Points on your everyday purchases
• Travel with confidence with Travel Medical Insurance†
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
• Earn 1 point† for every $1 spent on all other Purchases made with your Card
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.  
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.  
• 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.
• 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.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• 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.
• 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).
• Hotel/Motel Burglary Insurance†: Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.
• Auto Rental Collision / Loss Damage Insurance†: Coverage for up to 48 consecutive days.
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Save time at the border with NEXUS – Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD) † . Additional Cardholders can also take advantage of this NEXUS rebate.

† Terms and conditions apply.

Welcome bonus structure (3 separate bonuses) (SPECIAL OFFER — ends June 3, 2024)

10,000 Aeroplan points  Bonus after making 1 purchase (no minimum amount) 20,000 Aeroplan points Bonus after spending $6,000 (in a maximum of 180 days) 20,000 Aeroplan points One-time anniversary bonus when you spend $10,000 within 12 months of Account opening†

50,000 Aeroplan points  Total with the 3 parts of the bonus

Earn on the minimum spending requirement

6,000 Aeroplan points Minimum earn on the minimum spending requirement of $6,000 (at base earn rate of 1 pt/$) 4,000 Aeroplan   points Minimum earn on the minimum spending requirement of $4,000 more (at base earn rate of 1 pt/$)

Total rewards by unlocking the welcome bonus

60,000 Aeroplan points  Welcome bonus + earn on the minimum spending requirement to unlock it

‣ Apply for the TD ® Aeroplan ® Visa Infinite * Card

Value of the welcome bonus offer (at our Flytrippers Valuation of ≈ 1.5¢/pt )

≈ $150 Bonus after 1st purchase (10,000 pts) ≈ $300 Bonus after min. spend (20,000 pts) ≈ $90  Earn on min. spend (6,000 pts) ≈ $300 Anniversary bonus (20,000 pts) ≈ $60 Earn on additional min. spend (4,000 pts) –$139 Card fee Year 1 (deducted from Valuation) –$139 Card fee Year 2 (deducted from Valuation)

≈ $622  Total net value by unlocking the welcome bonus alone

‣ Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

≈ 6.22% Return on the minimum spending requirement (≈ $622 on $ 10,000 in 12 months)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

≈ $900  Rewards you get for  $278

Rewards from welcome bonus

You will have 60,000 Aeroplan points after unlocking the welcome bonus.

That gives you:

• ≈ $900  in rewards at the Flytrippers Valuation

Concrete examples of redemptions

Here are some of the actual redemptions you can get with these rewards:

10 one-way short-distance reward flights such as Toronto-New York or Montreal-Washington

6 one-way medium-distance reward flights such as Toronto-Miami, Montreal-Nashville, or Vancouver-Las Vegas

4 one-way longer distance reward flights such as Toronto-Costa Rica or Montreal-Mexico

1 one-way business class reward flights  such as Vancouver-Japan or Montreal-Switzerland

8 one-way short-distance reward flights  in several regions of the world

≈ $660 discount on Air Canada flights  without having to be flexible or having to choose specific flights

‣ Learn more about the best uses of Aeroplan points

Redemptions Aeroplan points can be used for specific flights to maximize their value (on partner airlines) or for any seat on any flight to have more flexibility (on Air Canada). 

‣Learn more about the Aeroplan rewards program (coming soon)

Pricing Aeroplan points are variable-value rewards (the value depends on how you use them; our Flytrippers Valuation is ≈ 1.5¢).

‣Learn more about Aeroplan points (coming soon)

Expiry Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.

‣Learn more about Aeroplan points expiry (coming soon)

Pooling Aeroplan points can be pooled into a shared account if you have travel companions.

‣Learn more about pooling Aeroplan points (coming soon)

Other redemption options Aeroplan points can be used for rewards other than flights, but this should be avoided.

‣Learn more about why you should always use your rewards for travel (coming soon)

Rewards program logistics Aeroplan points can be used directly on the Air Canada website or app.

‣Learn more about how to get started with Aeroplan rewards (coming soon)

Rewards program summary Rewards: Air Canada Aeroplan points Source: Airline rewards Type: More valuable

‣Learn more about rewards programs basics (coming soon)

1.5 points per $ ( ≈ 2.25% ):

• Grocery purchases † (and indirectly at all retailers offering gift cards in grocery stores)
• Gas purchases †
• Air Canada purchases †

1 point per $ ( ≈ 1.5% ):

• All other eligible purchases †

Earning with additional cards

Fee for additional cards: $75 † Quantity allowed: N/A Minimum age: N/A

‣Learn more about additional cards (coming soon)

$100 NEXUS credit † A credit will appear if you charge a NEXUS fee to your card — and you should really have NEXUS  if you don’t already.

‣Learn more about the TD NEXUS credit (coming soon)

Preferred pricing for Aeroplan flights on Air Canada † Cardmembers get slightly lower prices when redeeming Aeroplan points for reward flights on Air Canada (not partner airlines).

‣Learn more about Aeroplan preferred pricing (coming soon)

Free checked bag on Air Canada † Cardmembers get the 1st checked bag free on Air Canada flights (as do up to 8 travel buddies on the same booking).

‣Learn more about the free bag benefit (coming soon)

Aeroplan Elite Status shortcut † Earn 1,000 SQMs and 1 SQS for every $10,000 charged to your card.

‣Learn more about the Aeroplan elite status shortcut benefit (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.

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

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

‣Learn more about the Visa Infinite Hotel Collection (coming soon)

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

‣Learn more 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.

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

Complimentary Visa Infinite Concierge † You get the Visa Infinite Concierge on-call 24 hours a day, seven days a week, to help with any request — big or small.

‣Learn more about the Visa Infinite Concierge program (coming soon)

Insurance included

Medical travel insurance for 21 days (64 years and under) † Medical travel insurance for 4 days (65 years and above) † 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 † Purchase protection coverage † Extended warranty coverage † Mobile device insurance †

‣Learn more about the insurance coverage included with the TD ® Aeroplan ® Visa Infinite * Card (coming soon)

‣Learn more about the different types of insurance coverage (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

‣ Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have opened this specific card in the past 12 months AND you must not have obtained a welcome bonus on another Aeroplan card of the same level

‣ Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date Account must be approved by June 3, 2024 †

‣ Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details Issuer: TD Bank Canada Network: Visa Card type: Credit card Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Fees and rates Card fee: $139/year † Fee for additional card: $75/year † Foreign transaction fee: 2.5% † Purchases annual interest rate: 20.99% † Funds advance annual interest rate: 22.99% † (20.99% for Québec residents) † Balance transfer fee: 3%

‣Learn more about what Flytrippers recommends regarding fees and rates (coming soon)

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

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

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 .

Share this post to help us help more people travel more for less:

Apply now for the TD ® Aeroplan ® Visa Infinite* Card and get a welcome bonus worth ≈ $ 622 !

• Small Business
• Investing & Wealth

Double up and cash in.

Earn a sweet $150 bonus and unlimited 2% Cash Back with TD Double Up. SM

TD Bank Credit Cards

Check out our special offers and find the credit card that meets your needs and has the benefits you want – like Cash Back Rewards, balance transfer offers and a credit card with a predictable minimum payment.

Check if you're prequalified

See if you're prequalified for a credit card offer – with no impact to your credit score

Choose the card with the perks you want 

Filter by card feature to find the card that works for you or browse all cards below.

Balance Transfer

Points Rewards and Cash Back

No Annual fee

Low Intro APR

Balance Transfer Credit Cards

Move outstanding debt from one of your credit cards at another financial institution to your TD credit card to help you manage your credit card debt.

TD FlexPay Credit Card

SPECIAL OFFER

Our best balance transfer offer: 0% intro APR for first 18 billing cycles after account opening. After that, 19.24%–29.24% variable APR based on your creditworthiness*

Late fee forgiveness – we'll automatically refund your first late fee each year. Please note, past due payments may impact your credit score. ‡

No annual fee*

*Terms and conditions

TD Double Up SM  Credit Card

Earn 2% unlimited Cash Back  – no rotating Spend Categories, no caps or limits

Special offer: Earn $150 Cash Back  in the form of a statement credit when you spend $1,000 within the first 90 days after account opening 1

Balance transfer:  0% intro APR for the first 15 billing cycles after account opening. After that, 20.24%–30.24% variable APR based on your creditworthiness*

No annual fee *

TD Cash Credit Card

Earn 3% and 2% Cash Back on your choice of Spend Categories. Plus, you can switch your categories quarterly. Earn 1% Cash Back on all other eligible purchases

Special Offer: Earn $200 Cash Back when you spend $500 within the first 90 days after opening your account 2

Balance Transfer credit card FAQs

What is a balance transfer credit card.

A balance transfer credit card allows you to transfer debt from one credit card to another card. 

How to transfer a credit card balance if you don't already have a credit card that permits balance transfers?

Apply for a balance transfer credit card. Remember that applying for a new credit card can trigger a hard credit inquiry on your credit report which can impact your credit score.

Depending on the credit card, you may be able to initiate a balance transfer request during the application process itself. However, the balance transfer may not be initiated for a couple of weeks if not longer when you apply for the card.

Therefore, you should keep up at least the minimum payments on the account from which you transferred debt until the balance transfer appears on your new credit card account.

Additionally, you should keep in mind the credit limits and balance transfer limits, if any, on your new credit card account before initiating balance transfers to it.

How does a credit card balance transfer work?

A credit card balance transfer is a transfer of a balance from one credit card account to another. You may wish to transfer, for example, a balance from a high-interest-rate credit card to a credit card with a lower balance transfer interest rate. There may also be a balance transfer fee associated with each balance transfer you initiate. The balance transfer fee depends on the credit card, but it is often around 3 - 5% of the amount transferred. A balance transfer could enable you to pay off the debt faster and pay less total interest. When the introductory or promotional period ends, the interest rate for balance transfers you were informed of in your account opening terms and conditions or in your balance transfer promotion's terms and conditions will be applied to the balance.

How long does a credit card balance transfer take for new credit card accounts?

For TD Bank credit cards, it may take 2 to 4 weeks to process a balance transfer request after your account is opened. Other issuers may vary in how long it can take to process a balance transfer request.

Already have a TD Credit Card?

See what your td credit card can do.

Manage your card, redeem rewards and use our digital tools to get the most out of your card

TD Bank Visa® Credit Card Benefits

Every TD Bank Credit Card comes with an added layer of protection such as emergency card replacement, roadside assistance and more

Understanding Your Credit Score and Report

Learn about your credit score and what steps you can take to improve it

Log in to manage your card

View your balance, pay your bill and more with Online Banking and the TD Bank app

Important Disclosures

View Credit Card Agreements for TD Bank Credit Cards . View TD Bank Credit Card Applications for Cross-Border Clients .

TD Double Up Credit Card * Read important terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

1 Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. If you are approved for an Account in response to this specific offer, you are eligible to earn a One-Time Bonus Offer ("One Time Bonus Offer") of 15,000 Bonus Points, equal to $150 in the form of a statement credit. To qualify for the $150 statement credit, you must spend $1,000 in total Purchases using the Account within 90 days of the Account opening date. Provided your Account is open and in good standing, the 15,000 Bonus Points, equal to a $150 statement credit will be reflected on your Account within 6 to 8 weeks after you have met the eligibility criteria. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

TD Cash Credit Card * Read important terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

2 Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is 20,000 points which can be redeemed for $200 Cash Back rewards. Provided your TD Cash Credit Card account is open and in good standing, the $200 Cash Back rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $500 in total net purchases within the first 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

TD FlexPay Credit Card * Read important terms and conditions  for details about your account including APRs, fees, and balance transfers. Balance transfer 0% introductory APR for first 18 billing cycles after account opening. After that, 19.24%, 21.24%, 24.24%, 27.24% or 29.24% variable APR based on your creditworthiness. Intro fee of either $5 or 3% of the amount of each transfer, whichever is greater, on transfers made within the introductory offer. After that: Either $5 or 5% of the amount of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.

‡ Late fee forgiveness does not change your monthly payment requirement. Past due payments will be reported to credit bureaus subject to applicable law and standard practices. This may affect your credit score.

TD Clear Visa Platinum Credit Card with a $1,000 Credit Limit * Read important terms and conditions  for account details. The Clear Platinum Visa Credit Card with $1,000 Credit Limit has a $10 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD Clear Visa Platinum Credit Card with a $2,000 Credit Limit † Read important terms and conditions  for account details. The Clear Platinum Visa Credit Card with $2,000 credit limit has a $20 monthly membership fee. The monthly membership fee will be added to your monthly billing statement each month as a charge, whether or not you use your account, and applied against your available credit like other charges.

TD First Class Visa Signature Credit Card * Read important terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 12 billing cycles after account opening. After that, 18.49% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. Groceries purchased from superstores and/or warehouse clubs may only earn 1 mile for each dollar spent.

3 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 eligible purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

TD Cash Secured Credit Card * Read important terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and program details. Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards.

TD Business Solutions Credit Card * Read important terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and rewards program details.

4 If you are approved for an Account in response to this specific offer, you can earn 5% on all eligible purchases for 6 months from your account open date, or up to $10,000 in spend, whichever comes first. This translates to 50,000 bonus points which can be redeemed for $500 Cash Back rewards. Provided your TD Business Solutions Credit Card account is open and in good standing, the Cash Back rewards will be reflected in the Points Summary of your Credit Card statement after each individual purchase. This offer only applies to new TD Business Solutions Credit Card accounts during the promotional period and 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.

5 Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. us. If you are approved for an Account in response to this specific offer, you are eligible to earn a One-Time Bonus Offer ("One Time Bonus Offer") of 25,000 Bonus Points, equal to $250 in the form of a statement credit. To qualify for the $250 statement credit, you must spend $1,500 in total Purchases using the Account within 90 days of the Account opening date. Provided your Account is open and in good standing, the 25,000 Bonus Points, equal to a $250 statement credit will be reflected on your Account within 6 to 8 weeks after you have met the eligibility criteria. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this Account or any other account with us.

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