TD First Class Travel Visa Infinite
Churning cardWhat the roles mean
🏆 Card of the Month · October 2026Why I picked it →
- Welcome offer: up to 160,000 TD points = $800 on Expedia For TD travel, with the $139 fee rebated in year one
Welcome offer now
Earn up to 160,000 TD Rewards Points (≈ $800 in Expedia For TD travel) + a first-year annual-fee rebate — TD markets "up to $1,400 in value."
Checked on TD's own page October 24, 2026. See TD's page
What it earns in a year
136,800 points a year
Worth about $408 after the $139 fee at the simplest redemption, up to $545 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 8× points.
- Groceries (First $25,000 a year, then 2× points): 6× points.
- Dining & restaurants (First $25,000 a year, then 2× points): 6× points.
- Transit (First $25,000 a year, then 2× points): 6× points.
- Bills & subscriptions (First $25,000 a year, then 2× points): 4× points.
- Everything else: 2× points.
Highlighted = use this card here.
Using your points
On the spending above, 136,800 points a year: worth $547 the easy way, $684 the best way.
- Easy way (0.4¢): TD's Book Any Way travel credit (Amazon and merchandise pay less)
- Best way (0.5¢): Expedia For TD: 200 points = $1
How to apply for the TD First Class Travel Visa Infinite
Check first
- Bonus not for recent holders: you can't get it if you activated or closed this card in the last 12 months
- Check you qualify Income: $60,000 personal or $100,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- The bonus: 20,000 on first purchase + 140,000 after $7,500 within 180 days (about $1,250/month)
- Groceries, dining, transit: 6 points per $1 (about 3% on Expedia For TD), first $25,000 a year in each
- Bills and streaming: 4 points per $1, first $25,000 a year combined
- Travel on Expedia For TD: 8 points per $1; one $500+ hotel or package booking a year gets the $100 travel credit
- Redeem on Expedia For TD only: 200 points = $1. Statement credits pay half
- Everything else: 2 points per $1 is about 1%. Use a stronger card
- Example: $800/month groceries + $250/month dining = 75,600 points = $378 on Expedia For TD
Posts about this card
Key facts
- Annual fee
- $139
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- TD RewardsSee every TD Rewards card
Annual fee waiver
- TD All-Inclusive Banking Plan: $139 fee (and up to $75 on an additional card) rebated every year
- The catch: the plan costs $30.95/month ($22.45 at 60+) unless you keep $6,000 in it every day
- One card only: the plan rebates one TD card a year
- Worth it if you already keep $6,000 in TD chequing
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, drugstore / pharmacy, entertainment, everything else
- Together: $676 a year after both fees, vs $408 with this card alone
- With this card's $139 fee rebated (see Fee waiver): $815 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, drugstore / pharmacy, entertainment, everything else makes it $823 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 160,000 points in the first 180 days
- First-year fee rebated, plus the first additional card
- $100 TD Travel Credit each calendar year on a $500+ hotel or package booked on Expedia For TD
- Birthday bonus: 10% of the past year's points, up to 10,000
- 4 airport lounge visits a year (Visa Airport Companion)
- $2 million travel medical, trip cancellation and interruption included
Cons
- $139 a year from year two (see fee waiver)
- Points are worth 0.5¢ only on Expedia For TD; elsewhere 0.25–0.4¢
- No airline or hotel transfer partners
- $7,500 in 180 days to get the 140,000
- Needs $60,000 personal or $100,000 household income
- 2.5% on foreign-currency purchases
Insurance included
- Travel medical: $2 million, first 21 days at 64 or under; 4 days at 65+
- Trip cancellation: $1,500 per person ($5,000 per trip)
- Trip interruption: $5,000 per person ($25,000 per trip)
- Flight delay: $500 per person, after 4 hours
- Delayed or lost bags: $1,000 per person per trip ($500 for delay)
- Travel accident: $500,000
- Rental car damage: up to 48 days, cars up to $65,000
- Hotel burglary: $2,500
- Phone: $1,000, depreciated value less a deductible
- Purchases: 90 days of theft/damage cover, +1 year warranty
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- $100 TD Travel Credit: once a calendar year, on a $500+ hotel or package on Expedia For TD (flights alone don't count)
- Lounges: 4 free visits a year at 1,200+ lounges (enrolment required)
- Birthday bonus: up to 10,000 points a year
- Starbucks: link the card for 50% more points
- Uber One: 6-month free trial
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD First Class Travel Visa Infinite | 6× points≈ 3.0% in value | $288 | $139 | October 24, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| TD First Class Travel Visa Infinite | 6× points≈ 3.0% in value | $90 | $139 | October 24, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 24, 2026 | Unchanged: up to 160,000 pts: 20k first purchase + 140k ($7,500 / 180 days), plus $100 travel credit, birthday bonus up to 10k, 4 lounge visits. "Up to $1,400 in value."Unchanged vs October 21, 2026. Footnote 23: the $100 travel credit needs a $500+ hotel, vacation rental or package on Expedia For TD (not flights alone). Not available if you activated or closed this card in the last 12 months | $139, rebated yr 1 (primary + first additional $50) | none stated |
| October 21, 2026 | Unchanged: up to 160,000 pts: 20k first purchase + 140k ($7,500 / 180 days), plus $100 travel credit, birthday bonus up to 10k, 4 lounge visits. "Up to $1,400 in value."Unchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated September 1, 2026; $139 fee, 21.99% purchases; $60k/$100k income | $139, rebated yr 1 (primary + first additional $50) | none stated |
| October 17, 2026 | Up to 160,000 pts: 20k first purchase + 140k ($7,500 / 180 days), plus $100 travel credit, birthday bonus up to 10k, 4 lounge visits. "Up to $1,400 in value."Changed from 146,000 pts / "up to $1,300" (doc, June 15, 2026); offer dated September 1, 2026. Purchase rate on page is 21.99% (doc had 20.99%) | $139, rebated yr 1 (primary + first additional $50) | none stated |
General information, not financial advice. Offers change; confirm on TD's page before you apply.