TD First Class Travel Visa Infinite Card Review

30-second take

• Think about this card if you want a full insurance package and a return on points for all purchases.

• Choose something else if you’d rather get cash back or you don’t want to pay an annual fee.

• Your minimum annual income needs to be $60,000, or you should have a household income of $100,000.

The basics

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

• Earn TD Bank Rewards Points. Earn 8 TD Rewards Points for every $1 spent in travel booked online through Expedia for TD, 6 TD Rewards Points
  for every $1 you spend on Groceries and Restaurants, 4 TD Rewards Points for every $1 you spend on regularly recurring bill payments and 2 TD Rewards Points for every $1 spent on all other eligible purchases.
• Flexible points. Use points on travel, merchandise, gift cards or a cash credit to your account.
• Welcome offer. Earn up to 135,000 TD Points (a travel value of $1,000). Plus, get the first year annual fee waived. Conditions Apply. Apply by January 6, 2025.
• Purchase protection. With Purchase Security and Extended Warranty Insurance, new item purchases are covered against loss or damage up to 90 days
  from date of purchase, as well as extended warranty up to 12 months.
• Car rental coverage. Get covered up to 48 successive days with Auto Rental Collision/Loss Damage Insurance. As a cardholder, you get up to 10% discount at participating Avis and Budget car rental locations.
• Travel insurance. Here’s an outline of the comprehensive travel insurance benefits you get with TD First Class Travel Visa Infinite Card:

Insurance	Cover Limit
Travel Medical Insurance	Up to $2 million for the first 21 days
Common Carrier Travel Accident Insurance	Up to $500,000
Trip Interruption Insurance	up to $5,000 per insured person (up to a maximum of $25,000 for all insured persons)
Trip Cancellation Insurance	up to $1,500 per insured person (up to a maximum of $5,000 for all insured persons)
Delayed and Lost Baggage Insurance	Up to $1,000 per insured person (beyond 6 hrs delay or totally lost)

The perks

• Contactless payments. Tap to pay if you have Apple Pay or Visa payWave (for Android).
• Fraud proof. You won’t have to pay if there are fraudulent charges on your account with zero-liability coverage.
• Special offers. Take advantage of exclusive offers on dining and entertainment for Visa Infinite cardholders.
• Optional benefits. Pay more to get roadside assistance and balance protection insurance.

What to watch out for

• High annual fee. The fee for this card is $139 per year, but it can be waived in the first year. T&C’s apply.
• Fee for additional cards. Extra cards will cost you $50 a pop.
• Income requirements. There’s a minimum personal income requirement of $60,000 to qualify.

TD First Class Travel Visa Infinite Card interest rates

Interest Type	Interest Rate
Purchase interest rate	20.99%
Cash advance rate	22.99%
Standard balance transfer rate	22.99%

What should I know before I apply

• Eligibility requirements

  To apply for a TD Bank Bank First Class Travel® Visa Infinite* Card, you need to meet the following criteria:

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

• Required documents and information

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

Bottom line

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

Frequently asked questions about the TD First Class Travel Visa Infinite Card

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

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

• What if I don't want to travel?

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

• Can I apply online?

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