TD First Class Travel Visa Infinite Card

For frequent travelers seeking a rewarding credit card, the TD First Class Travel Visa Infinite Card stands out as a top contender. Offering a minimum of 2 TD Rewards points on every dollar spent, flexible redemption options, comprehensive insurance coverage, a $100 travel credit for Expedia® bookings, and a birthday bonus of up to 10,000 points, this card earns its place in your wallet.

Pros of the TD First Class Travel Visa Infinite Card

The TD First Class Travel Visa Infinite Card comes with a plethora of advantages that make it an attractive choice for frequent travelers. Here’s an in-depth exploration of the pros of this premium credit card:

Earn 8 TD Rewards Points per Dollar:

One of the standout features of the TD First Class Travel Visa Infinite Card is its generous rewards program. Cardholders can earn a remarkable 8 TD Rewards Points for every dollar spent when booking travel through Expedia For TD. This accelerated earning rate allows travelers to accumulate points quickly, making it easier to redeem them for exciting travel rewards.

No Seat Restrictions, Black-Out Periods, or Expiry:

Unlike some rewards programs, the TD Rewards Points earned with this card have no seat restrictions or black-out periods. This means you can use your points to book flights, hotels, and other travel-related expenses without facing limitations on availability. Furthermore, as long as you remain in good standing with the card, your points will never expire, providing flexibility in planning and redeeming your rewards.

Extensive Suite of Built-in Travel Insurance:

Peace of mind is crucial when embarking on a journey, and the TD First Class Travel Visa Infinite Card delivers on this front with its comprehensive travel insurance coverage. Cardholders can feel protected during their travels with benefits like travel medical insurance, trip cancellation and interruption insurance, travel accident insurance, and more. This coverage ensures that unexpected events do not disrupt your travel plans or leave you financially burdened.

Annual Fee Rebate in the First Year:

For new cardholders, the TD First Class Travel Visa Infinite Card offers a valuable perk—an annual fee rebate in the first year. This means that during the initial year of card membership, the annual fee is waived, allowing you to experience the card’s benefits and rewards without incurring any upfront cost. This feature is particularly appealing as it provides an opportunity to test-drive the card’s advantages before committing to its ongoing usage.

Summary:

The TD First Class Travel Visa Infinite Card boasts an impressive array of pros that cater to the needs of frequent travelers. With a substantial rewards program that maximizes points earning, the flexibility of redeeming rewards without seat restrictions or expiry, extensive travel insurance coverage, and the added benefit of an annual fee rebate in the first year, this card offers outstanding value to those seeking an enhanced travel experience. Whether you’re a seasoned globetrotter or an occasional traveler, the TD First Class Travel Visa Infinite Card is well-equipped to provide convenience, security, and valuable rewards as you journey to your desired destinations.

See: TD Cash Back Visa

Cons of the TD First Class Travel Visa Infinite Card

While the TD First Class Travel Visa Infinite Card offers numerous benefits, it also has some limitations to consider. Here are the cons of this travel credit card:

No Lounge Access:

One notable downside of the TD First Class Travel Visa Infinite Card is the absence of lounge access benefits. For frequent flyers who value the comfort, privacy, and amenities offered in airport lounges, this could be a significant drawback. Lounge access is a sought-after perk for many travelers, especially during long layovers or when facing flight delays. While the card offers various travel benefits, it does not include complimentary lounge access like some other premium travel credit cards.

Limited Points Conversion:

Unlike certain premium credit cards that allow points conversion to various airline and hotel loyalty programs, the TD First Class Travel Visa Infinite Card limits redemption flexibility in this aspect. With this card, you can only redeem TD Rewards Points within the TD Travel Rewards Program. While the program offers various redemption options such as travel, gift cards, cash credits, and education credits, some travelers may prefer the versatility of converting points to airline or hotel partners for a more customized travel experience.

Summary:

While the TD First Class Travel Visa Infinite Card excels in its rewards program, travel insurance coverage, and other benefits, it may not suit the preferences of all frequent travelers. The lack of complimentary lounge access and limited points conversion options could be significant factors to consider when evaluating the card’s overall value for your specific travel needs. If lounge access and broader redemption flexibility are essential to your travel priorities, it might be worth exploring other premium travel credit card options that align better with your preferences. Ultimately, finding the right credit card involves assessing your individual travel habits and priorities to make an informed decision.

See: CIBC Aventura Gold Visa Card

TD First Class Travel Visa Infinite Card Benefits

The TD First Class Travel Visa Infinite Card offers a host of enticing benefits that cater to the needs of frequent travelers. Let’s explore these advantages in detail:

Earn up to $800 in Value:

New cardholders can enjoy a generous welcome offer that translates into potential rewards worth up to $800. This includes up to 100,000 TD Rewards Points, which can be earned by meeting specific spending requirements within a designated timeframe. The enticing welcome bonus is a great incentive for those seeking substantial rewards from the outset.

Annual Fee Rebate:

During the first year of card membership, cardholders benefit from an annual fee rebate, effectively waiving the annual fee. To qualify for this rebate, cardholders need to activate the card and make their first purchase within the first three months of account opening. This feature allows travelers to experience the card’s benefits without incurring any upfront costs.

Accelerated Points Earning:

The TD First Class Travel Visa Infinite Card provides an accelerated points earning structure, making it easier for cardholders to accumulate rewards. Cardholders can earn 8 TD Rewards Points per dollar when booking travel through Expedia For TD, 6 points per dollar on groceries and restaurants, 4 points per dollar on recurring bills, and 2 points per dollar on all other purchases. The elevated earning rate on specific categories ensures that cardholders can maximize their rewards potential.

Flexible Points Redemption:

Redeeming TD Rewards Points is a seamless and rewarding experience. Cardholders can redeem points for a variety of options, including travel bookings, gift cards, cash credits, education credits, and everyday perks. With a minimum redemption requirement of only 200 TD points, cardholders have the flexibility to choose the rewards that best suit their preferences.

TD Travel Credit and Insurance Coverage:

Cardholders are entitled to an annual TD Travel Credit of $100 when booking travel through Expedia For TD. This credit further enhances the value of the card for frequent travelers. Additionally, the card provides comprehensive travel insurance coverage, offering peace of mind during journeys with benefits such as travel medical insurance, trip cancellation and interruption insurance, and travel accident insurance.

Exclusive Discounts with Car Rental Partners:

As an added perk, cardholders can enjoy exclusive discounts when renting with Avis Rent A Car and Budget Rent A Car. These discounts can lead to cost savings on rental expenses, making travel more budget-friendly.

Enhanced Rewards with Starbucks Rewards:

By linking the TD First Class Travel Visa Infinite Card to Starbucks Rewards, cardholders can earn 50% more TD points on Starbucks purchases. This feature provides additional rewards for coffee lovers and can boost points earning potential with everyday spending.

Summary:

The TD First Class Travel Visa Infinite Card presents an attractive array of benefits tailored to frequent travelers. From a substantial welcome offer and accelerated points earning to flexible redemption options and travel perks, this card delivers exceptional value for those seeking rewarding travel experiences. Whether it’s the annual fee rebate, travel credits, insurance coverage, or exclusive discounts, the TD First Class Travel Visa Infinite Card is designed to enhance the travel journey and provide cardholders with a host of valuable benefits.

See: CIBC Aventura Gold Visa Card

Comparing the TD First Class Travel Visa Infinite Card

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

When comparing the TD First Class Travel Visa Infinite Card and the TD Aeroplan Visa Infinite Privilege Card, it’s essential to consider their respective features and benefits to determine which card best aligns with your travel preferences and priorities.

TD First Class Travel Visa Infinite Card:

• Annual Fee: $139 (rebated the first year)
• Rewards: Earn up to $800 in value, including up to 100,000 TD Rewards Points and no annual fee for the first year.
• Points Earning: 8 TD Rewards Points per dollar on Expedia For TD bookings, 6 points per dollar on groceries and restaurants, 4 points per dollar on recurring bills, and 2 points per dollar on all other purchases (up to a spending cap of $25,000 for accelerated categories).
• Travel Benefits: Annual TD Travel Credit of $100 with Expedia For TD and comprehensive travel insurance coverage.
• Lounge Access: Not included.

TD Aeroplan Visa Infinite Privilege Card:

• Annual Fee: $599
• Rewards: Earn Aeroplan points, part of the Air Canada Aeroplan program, with a generous welcome offer and accelerated points earning on eligible purchases.
• Points Earning: Accelerated points earning on Air Canada purchases, eligible travel, dining, and more.
• Travel Benefits: Lounge access, NEXUS card rebates, and comprehensive travel insurance.
• TD Rewards Points Conversion: Points cannot be converted to other rewards programs.

Comparison and Considerations:

The TD First Class Travel Visa Infinite Card is a solid choice for frequent travelers seeking flexible rewards and comprehensive travel insurance. With a lower annual fee (rebated in the first year) and accelerated points earning on Expedia For TD bookings, groceries, restaurants, and recurring bills, it offers substantial rewards potential for various spending habits. However, the absence of lounge access might be a drawback for some travelers who prioritize this benefit.

On the other hand, the TD Aeroplan Visa Infinite Privilege Card is a premium travel card tailored for travelers who frequently fly with Air Canada and value access to airport lounges and NEXUS card benefits. It offers an elevated level of luxury travel perks and benefits, which comes with a higher annual fee. However, the ability to convert points to the Air Canada Aeroplan program provides greater flexibility in redeeming rewards for air travel and upgrades.

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

Ultimately, the choice between these two cards depends on individual travel habits and preferences. If you frequently fly with Air Canada and prioritize lounge access and premium travel perks, the TD Aeroplan Visa Infinite Privilege Card might be the better fit. On the other hand, if you seek a versatile travel card with flexible rewards and comprehensive insurance coverage, the TD First Class Travel Visa Infinite Card offers excellent value at a more accessible annual fee.

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

When comparing the TD First Class Travel Visa Infinite Card and the Scotiabank Scene+ Visa Card for Students, it’s essential to understand their unique features and rewards structures to make an informed decision based on your spending habits and priorities.

TD First Class Travel Visa Infinite Card:

• Annual Fee: $139 (rebated the first year)
• Rewards: Earn up to $800 in value, including up to 100,000 TD Rewards Points and no annual fee for the first year.
• Points Earning: 8 TD Rewards Points per dollar on Expedia For TD bookings, 6 points per dollar on groceries and restaurants, 4 points per dollar on recurring bills, and 2 points per dollar on all other purchases (up to a spending cap of $25,000 for accelerated categories).
• Travel Benefits: Annual TD Travel Credit of $100 with Expedia For TD and comprehensive travel insurance coverage.
• Points Conversion: TD Rewards Points cannot be converted to other rewards programs.

Scotiabank Scene+ Visa Card for Students:

• Annual Fee: $0
• Rewards: Earn SCENE points, part of the SCENE loyalty program, on eligible purchases, including day-to-day expenses like dining out, entertainment, and more.
• Points Earning: Earn 5 SCENE points per dollar on eligible purchases at Cineplex theaters, and 1 SCENE point per dollar on all other eligible purchases.
• SCENE Program Benefits: Redeem SCENE points for free movie tickets, discounts at restaurants, and more.
• Travel Benefits: Does not offer specific travel benefits like the TD First Class Travel Visa Infinite Card.

See: Best TD Credit Card for Students (Ultimate Guide)

Comparison and Considerations:

The TD First Class Travel Visa Infinite Card is designed for frequent travelers seeking versatile rewards and comprehensive travel insurance. With accelerated points earning on various spending categories, including travel and dining, it offers substantial rewards potential for travelers. Additionally, the card comes with an annual TD Travel Credit for travel bookings through Expedia For TD. However, it may not be the best fit for students seeking a card primarily for everyday spending.

On the other hand, the Scotiabank Scene+ Visa Card for Students is ideal for students who want to earn rewards on their day-to-day expenses, such as dining out and entertainment. The card offers a straightforward rewards structure with 5 SCENE points per dollar spent at Cineplex theaters, making it a great option for moviegoers. The absence of an annual fee is another attractive feature for students looking to manage their expenses.

Our Verdict:

Ultimately, the choice between these two cards depends on your spending priorities and lifestyle. If you are a frequent traveler and value travel rewards and insurance benefits, the TD First Class Travel Visa Infinite Card may be the better option. However, if you are a student looking to earn rewards on dining and entertainment expenses without an annual fee, the Scotiabank Scene+ Visa Card for Students is a suitable choice.

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

When comparing the TD First Class Travel Visa Infinite Card and the TD Aeroplan Visa Platinum Card, it’s essential to consider their unique features and rewards structures to determine which card aligns better with your travel preferences and spending habits.

TD First Class Travel Visa Infinite Card:

• Annual Fee: $139 (rebated the first year)
• Rewards: Earn up to $800 in value, including up to 100,000 TD Rewards Points and no annual fee for the first year.
• Points Earning: 8 TD Rewards Points per dollar on Expedia For TD bookings, 6 points per dollar on groceries and restaurants, 4 points per dollar on recurring bills, and 2 points per dollar on all other purchases (up to a spending cap of $25,000 for accelerated categories).
• Travel Benefits: Annual TD Travel Credit of $100 with Expedia For TD and comprehensive travel insurance coverage.
• Points Conversion: TD Rewards Points cannot be converted to other rewards programs.

TD Aeroplan Visa Platinum Card:

• Annual Fee: $89
• Rewards: Earn Aeroplan points, part of the Air Canada Aeroplan program, with a welcome bonus and accelerated points earning on eligible purchases.
• Points Earning: Accelerated points earning on Air Canada purchases, eligible travel, dining, and more.
• Travel Benefits: Comprehensive travel insurance coverage.
• TD Rewards Points Conversion: Points cannot be converted to other rewards programs.

See: NAB Platinum Debit Card Benefits and More

Comparison and Considerations:

The TD First Class Travel Visa Infinite Card is a versatile travel card suitable for frequent travelers who want flexible rewards and comprehensive travel insurance. It offers an elevated points earning structure on various spending categories, making it appealing for travelers seeking rewards for a wide range of expenses. The annual TD Travel Credit for travel bookings through Expedia For TD adds further value to the card.

On the other hand, the TD Aeroplan Visa Platinum Card is a more budget-friendly option with a lower annual fee. It is ideal for individuals who frequently travel with Air Canada and prefer to earn rewards in the Aeroplan program. The accelerated points earning on Air Canada purchases and eligible travel and dining expenses can provide substantial rewards for frequent flyers with the airline.

Our Verdict:

When choosing between these two cards, consider your travel preferences and loyalty to Air Canada. If you often travel with Air Canada and prioritize Aeroplan rewards, the TD Aeroplan Visa Platinum Card might be a better fit due to its lower annual fee and targeted rewards structure. However, if you prefer a more versatile rewards program with a comprehensive insurance package, the TD First Class Travel Visa Infinite Card offers exceptional value, even with a slightly higher annual fee.

Frequently Asked Questions

Is the TD First Class Travel Visa Infinite * card worth it?

The worth of the TD First Class Travel Visa Infinite Card depends on your travel habits and preferences. If you are a frequent traveler and can maximize the benefits of the card, such as earning TD Rewards Points on travel bookings through Expedia For TD, receiving an annual TD Travel Credit of $100, and enjoying comprehensive travel insurance, then the card can offer significant value. Additionally, the first-year annual fee rebate and welcome bonus can make it an attractive choice for travelers. However, if you do not travel frequently or do not make use of the card’s travel-related benefits, you may want to explore other options that better suit your spending patterns.

How much is the TD Infinite Travel Visa?

As of my last knowledge update in September 2021, the TD First Class Travel Visa Infinite Card had an annual fee of $139, but it was rebated for the first year. It’s essential to verify the current fee and any promotions or offers with TD Bank directly or on their official website.

What does the TD First Class Travel Card cover?

The TD First Class Travel Visa Infinite Card offers various benefits, including earning TD Rewards Points on eligible purchases, particularly on travel bookings through Expedia For TD, groceries, restaurants, and recurring bills. The card provides an annual TD Travel Credit of $100 when you book travel through Expedia For TD, comprehensive travel insurance coverage, and additional perks like discounts with Avis Rent A Car and Budget Rent A Car. However, specific coverage details may vary, and it’s crucial to review the card’s terms and conditions for complete information on what is covered.

What is the foreign transaction fee on the TD First Class Travel Visa Infinite * card?

As with many credit cards, the TD First Class Travel Visa Infinite Card typically charges a foreign transaction fee for purchases made in a foreign currency. The foreign transaction fee is usually around 2.50% of the transaction amount. However, this fee can vary, so it’s essential to check the card’s terms and conditions or contact TD Bank to confirm the exact fee.

How much is $100,000 TD points worth?

The value of TD Rewards Points can vary based on how they are redeemed. Generally, when redeemed for travel through Expedia For TD, 200 TD Rewards Points are equivalent to $1.00. So, $100,000 TD Rewards Points would be worth $500 in travel when redeemed through Expedia For TD. However, if you choose other redemption options, such as gift cards or cash credits, the value of the points may differ.

What is the limit on a TD Bank Visa card?

The credit limit on a TD Bank Visa card, including the TD First Class Travel Visa Infinite Card, varies for each cardholder and is determined by the card issuer based on various factors, including the individual’s creditworthiness, income, and credit history. The credit limit represents the maximum amount you can borrow on the card. Cardholders can contact TD Bank to inquire about their specific credit limit or check their account online or through the TD Bank mobile app.

What is the grace period for the TD First Class Travel Visa Infinite?

The grace period on a credit card refers to the time between the end of a billing cycle and the payment due date. During this period, no interest is charged on new purchases if the outstanding balance is paid in full by the due date. The grace period on the TD First Class Travel Visa Infinite Card is typically 21 days. However, it’s essential to review the card’s terms and conditions or contact TD Bank to confirm the grace period for this specific card.

What are TD Rewards Points, and how can I earn them with the TD First Class Travel Visa Infinite Card?

TD Rewards Points are the loyalty points earned with the TD First Class Travel Visa Infinite Card. You can earn TD Rewards Points by making eligible purchases using the card, such as booking travel through Expedia For TD, grocery shopping, dining out, paying recurring bills, and making other purchases. Each dollar spent on eligible purchases earns you a specific number of TD Rewards Points, depending on the category of spending.

Are there any restrictions on using TD Rewards Points for travel bookings?

With the TD First Class Travel Visa Infinite Card, you have the flexibility to redeem TD Rewards Points for travel bookings through Expedia For TD without seat restrictions, blackout periods, or points expiry, as long as you maintain good standing. This means you can use your points to book flights, hotels, rental cars, and more, with the freedom to choose your travel dates and destinations.

Can I share or transfer my TD Rewards Points to others?

TD Rewards Points are generally non-transferable and cannot be shared with other individuals. The points earned with your TD First Class Travel Visa Infinite Card are tied to your account and cannot be combined with the points from another TD Rewards account.

What are the travel insurance benefits provided with the TD First Class Travel Visa Infinite Card?

The TD First Class Travel Visa Infinite Card offers comprehensive travel insurance coverage for eligible cardholders. This insurance typically includes travel medical insurance, trip cancellation and interruption insurance, delayed and lost baggage insurance, and travel accident insurance. The specific coverage and policy details may vary, so it’s essential to review the card’s insurance certificate or contact TD Bank for more information.

Is the TD First Class Travel Visa Infinite Card available to residents of Quebec?

The TD First Class Travel Visa Infinite Card is not available for residents of Quebec. However, eligibility criteria and card availability may change over time, so it’s essential to verify this information with TD Bank or check their website for the most up-to-date details.

Does the TD First Class Travel Visa Infinite Card offer any special perks or benefits with partner brands or retailers?

Yes, the TD First Class Travel Visa Infinite Card offers exclusive discounts with Avis Rent A Car and Budget Rent A Car. Cardholders can enjoy savings on car rentals when booking through these rental car companies.

Can I link my TD First Class Travel Visa Infinite Card to Starbucks Rewards?

Yes, cardholders have the option to link their TD First Class Travel Visa Infinite Card to Starbucks Rewards. By doing so, they can earn 50% more TD points and Starbucks Rewards on eligible Starbucks purchases.

How can I apply for the TD First Class Travel Visa Infinite Card?

To apply for the TD First Class Travel Visa Infinite Card, you can visit the official TD Bank website or visit a TD Bank branch. The application process typically involves providing personal and financial information, and approval is subject to meeting the card’s eligibility criteria and credit assessment.

Are there any additional fees associated with the TD First Class Travel Visa Infinite Card?

In addition to the annual fee, the TD First Class Travel Visa Infinite Card may have other fees, such as foreign transaction fees, cash advance fees, and fees for additional cardholders. It’s essential to review the card’s terms and conditions or contact TD Bank to understand all applicable fees.

Can I earn TD Rewards Points on balance transfers or cash advances with the TD First Class Travel Visa Infinite Card?

TD Rewards Points are generally not earned on balance transfers or cash advances with the TD First Class Travel Visa Infinite Card. Points are typically earned on eligible purchases as specified in the card’s rewards program.

Conclusion

The TD First Class Travel Visa Infinite Card is a strong contender among Canada’s premium travel credit cards. With its generous rewards program, comprehensive insurance coverage, and travel credit benefits, it is an excellent choice for frequent travelers, especially those who enjoy booking through Expedia For TD. However, for travelers who prefer more versatile redemption options, other top-tier credit cards may better suit their needs. Ultimately, conducting informed research and considering your travel preferences will help you determine if this card is the ideal fit for your financial goals.