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TD Travel Credit Cards in Canada

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TD First Class Travel® Visa Infinite* Card

td visa travel rewards points calculator

Annual Fee $139
Interest: Purchases 20.99%
Interest: Cash Advances 22.99%
Additional Cardholder 2 $50

$50 for the first Additional Cardholder; $0 for subsequent Additional Cardholders.

$60,000 personal or $100,000 household annual income.
You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to $1,000 in value 18 , including up to 135,000 TD Rewards Points, no Annual Fee for the first year 1 and additional travel benefits. Conditions Apply. Account must be approved by January 6, 2025.

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
Earn 115,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards Points 22 .
Get an annual TD Travel Credit 23 of $100 when you book at Expedia ® For TD.
Get an Annual Fee Rebate for the first year 1 .

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

At a glance

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

Your Card also allows you to enjoy:

An annual TD Travel Credit 23 of $100 when you book at Expedia ® For TD.
TD Rewards Birthday bonus 22 to celebrate your special day.
An extensive suite of travel insurance coverages which helps you travel prepared.
No travel blackouts 5 , no seat restrictions 5 and no expiry 25 for your TD Rewards Points as long as your account is open and in good standing.

Award winning TD Credit Card

Chosen as Best Credit Card for Travel Insurance by Prince of Travel in 2023 #1

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21 plus earn an annual Birthday Bonus 22 of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Redeem your TD Rewards Points how you want, for what you want

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

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 3 your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 : You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
Financial Rewards Pay With Rewards: Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

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

$100 TD Travel Credit 23 Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
Common Carrier Travel Accident Insurance 10 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 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool .
Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the Benefit Coverages Guide for more details.

Additional Benefits & Features

TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply. Learn more .
Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14 in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14 internationally, on qualifying car rentals at participating Avis and Budget locations.
Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted - These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

Complimentary Visa Infinite Concierge 26 : 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. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ® Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
Chip & PIN technology: TD Visa * Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile. Learn more .
Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card. Learn more .

Optional Benefits

Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call 1-866-315-9069 or visit tdcanadatrust.com/BP .
Option to purchase TD Auto Club Membership 16 and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ® for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite * Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of September 4, 2024 unless otherwise indicated and subject to change.

$189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
$100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
$50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
Additional Bonus of 115,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $575);

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5 Subject to carrier/space availability.

6 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

7 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

13 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

15 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16 TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17 Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19 Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

20 Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”). Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21 Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

22 The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25 TD Reward Points do not expire as long as you are a Cardholder.

26 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27 You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions , including third-party suppliers’ terms and conditions. The Visa Infinite privacy policy applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

#1 Awarded on December 29, 2023, by Prince of Travel. Learn more by visiting: https://www.princeoftravel.com/about/winners-of-the-2023-prince-of-travel-awards/

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.

Earn points

You’ll need a TD credit card linked to this program to earn TD Rewards points. Here are the two best ones.

TD First Class Travel ® Visa Infinite* Card

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

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

Get an Annual Fee Rebate for the first year †

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

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

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

TD Platinum Travel Visa* Card

With this new welcome offer for the TD Platinum Travel Visa* Card , you can get up to 50,000 TD points and a first-year annual fee rebate :

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 † .

Get an Annual Fee Rebate for the first year † .

There is no minimum income requirement for this TD credit card.

Redeem points

Expedia for td.

When booking your trip on the Expedia for TD website, you can apply your TD Rewards points directly at the time of purchase. This is the best value you can get for your TD Rewards points: 0.5 cents per point .

So 100,000 points = $500 .

We’re going with the former because you can earn TD Rewards points at the best rate (up to 8 points per dollar) through the Expedia for TD website.

In practice, you have to connect with your login and password on the specific Expedia for the TD website (attention: do not make reservations directly on Expedia .ca!). You will then access your TD Rewards point balance and its dollar equivalent.

Then, all you have to do is search for a trip (hotel, flight, package, etc.) and proceed with the reservation.

You can then apply your TD Rewards points directly to that reservation (and if you don’t have enough points, the balance will be charged to your TD Rewards credit card).

Please note : Expedia for TD has been explicitly designed for TD members to use their TD Rewards points. Therefore, you cannot go directly to Expedia .ca or earn points with the Expedia Rewards loyalty program .

However, the rates are identical between Expedia for TD and Expedia .ca.

Other Trips

When you book your trip with any travel provider using your TD Rewards credit card, you can apply your points to the purchase (within 90 days).

This is the second best value you can get for your TD Rewards points: 0.4 cents per point .

So 100,000 points = $400 .

This solution can be attractive for travel expenses you could not make on the Expedia for TD website (golf round fees, airport parking, ski lift tickets, etc.).

You can visit this page for a complete overview of all eligible travel expenses!

Other rewards

You can redeem your points for gift cards, items, or even cash back.

However, in our opinion, you will never get good value for your points this way. For example, if you redeem 10,000 points for cash back, you’ll only get $25, which is half of what you would get with a travel purchase ($50).

It is therefore much more interesting to use your points for travel as explained above.

TD Rewards Credit Cards

Here are the TD Rewards credit cards :

Here are some other TD credit cards that might interest you:

TD ® Aeroplan ® Visa Platinum* Card
TD ® Aeroplan ® Visa Infinite* Card
TD ® Aeroplan ® Visa Infinite Privilege* Credit Card
TD Cash Back Visa* Card
TD Cash Back Visa Infinite* Card

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

The TD First Class Travel Visa Infinite is TD’s flagship credit card. It doesn’t earn you as many TD Rewards points as the TD Platinum Travel Visa card, but it’s arguably more popular. I suspect the reason it’s such a popular card is that you can get the annual fee waived every year if you have a TD All-inclusive plan. Even if you don’t have that plan, the annual fee for the first year is usually free.

The standard welcome bonus for cardholders is typically worth 20,000 points, but TD often runs promotions where you can earn an additional 40,000 – 80,000 TD Rewards points as long as you meet their minimum spend requirement. Since one TD Reward point is worth 0.5 cents each, that’s $500 in value you’re getting if the welcome bonus is worth up to 100,000 points. It’s definitely worth monitoring the current TD First Class Travel Visa Infinite offer as they can sometimes be incredibly valuable.

It’s worth mentioning that the TD First Class Travel Visa Infinite Card is one of the eligible TD credit cards that can earn you Starbucks Rewards partnership. All you need to do is login to your TD app, tap My TD Rewards, the select Starbucks from the partners list.

If you prefer a card with no annual fee, there’s the TD Rewards Visa Card . It earns you 2 TD Rewards Points for every $1 in grocery purchases, restaurant & fast food purchases.

Final thoughts

Despite the lack of redemption options with your points, TD Rewards is still a decent travel loyalty program. Points are easy to accumulate and are easy to use with no blackout dates. Without any transfer partners, TD will always be one of the less popular bank loyalty programs. Many consumers want options. Being partnered with Expedia is great, but giving consumers less value when they book their own travel is a bit ridiculous. Oddly enough, the TD mobile app doesn’t connect you right to Expedia for TD.

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

We redeemed ours for Home Depot gift cards and got $175 off a Weber BBQ and now husband just got the card and we will book our interisland Hawaii flights with the bonus points. Straightforward program and easy to use.

Gift cards are such a low value, I’m surprised you guys used your points for that.

Great review Barry. However, I consider the combination of the Scotia Passport Visa Infinite and Scotia’s rewards program far superior because of the absence of foreign transaction fees. I think that’s paramount when selecting a travel rewards card (and its associated rewards program) because you are obviously interested in travel and presumably some portion of your travel is outside of Canada. If you’re retired like we are and spend a good portion of your year outside the country, those 2.5% (or higher) fees add up quickly and can dwarf the $100-$200 in annual card fees. The bottom line is everyone should run the numbers based on their own spending patterns to determine which card and rewards program will deliver the best value. In our case, it wasn’t even close.

In my ranking of all the programs, I have TD at #6 and Scotia at #3 so I agree with your assessment. Although TD doesn’t have a card with no forex fees, there are many cards without an annual fee and with no froex fees so I don’t consider that a major deal-breaker.

Hi Barry, I agree that it shouldn’t be a must-have “deal-breaker.” But I do believe forex fees is something people should definitely be taking into account when estimating total return value and comparing travel cards and travel rewards programs. For some who only spend two weeks outside Canada every year, it won’t make a big difference, but they shouldn’t ignore it.

I really love your articles.

Like Mike said, there are programs out there that are better than this for a lot of people. Really read the small print before choosing. I completely agree on that foreign exchange thing. It’s got me really looking at the Amazon credit card for Canada right now because TD is really biting me on that.

I’d love to see you write a piece comparing the travel dollar values of these ‘point collection programs’ (for example: td versus scotia versus pc).

Although maybe you have and I just haven’t found that article yet.

Although I haven’t compared any programs head to head, I do have reviews for almost every individual program. I also have a general article ranking all of the programs.

https://www.moneywehave.com/canadas-bank-travel-rewards-programs-ranked/

[…] TD Rewards is a good program and I recommend it to anyone who wants an easy program to understand. However, TD Rewards still ranks low compared to others for a few reasons. Although you can redeem 200 points for $1 off ExpediaForTD, you need 250 points for $1 when using the Book Any Way feature which decreases the value of your points. […]