Groceries and dining · TD
TD First Class Travel Visa Infinite Card
The TD First Class Travel Visa Infinite Card has a $139 annual fee and earns 6 TD Rewards points per dollar on groceries, dining and public transit, and 8 on travel booked through Expedia For TD. It includes four lounge visits a year and a full insurance package, with points worth 0.5 cents each on Expedia For TD travel.
Facts last verified October 28, 2026 against the issuer's own pages. Rates and offers change; confirm with the issuer.
TD First Class Travel at a glance
High earn rates on groceries, dining and bills, with four lounge visits and strong insurance, redeemed through Expedia For TD.
- Annual fee
- $139 (first year rebated)
- Purchase interest rate
- 21.99%
- Foreign transaction fee
- 2.5%
- Network
- Visa
- Rewards program
- TD Rewards
- Lounge access
- 4 free lounge visits a year (Visa Airport Companion Program)
- Baggage benefit
- None stated
- Minimum income
- $60,000 personal or $100,000 household
- Best for built-in travel insurance
Key benefits of the TD First Class Travel
- 6x points on groceries, dining and transit
- 4 complimentary lounge visits a year
- $100 annual TD Travel Credit (conditions apply)
Current offer: Up to 160,000 TD Rewards points plus a first-year fee rebate.
TD shows no end date and may change or withdraw the offer. Points are worth 0.5 cents each on Expedia For TD travel.
Offer checked October 28, 2026. Offers can differ by province and can be withdrawn at any time.
How TD First Class Travel earns and redeems rewards
| Where you spend | Earn rate |
|---|---|
| Travel booked through Expedia For TD | 8 points per $1 |
| Groceries, dining and public transitup to $25,000 a year in each category, then 2x | 6 points per $1 |
| Recurring bill payments and streamingcombined cap of $25,000 a year, then 2x | 4 points per $1 |
| All other purchases | 2 points per $1 |
TD states that every 200 TD Rewards points are worth $1 on Expedia For TD travel, which is 0.5 cents per point, so the high point rates are worth about half what the numbers suggest next to a 1-cent-per-point program. Points can also pay down past purchases or be used at Amazon.ca, and do not expire while the account is open and in good standing.
Travel insurance included with the TD First Class Travel
- Emergency medical
- Up to $2 million for the first 21 days if you are under 65, and the first 4 days if you or your spouse is 65 or older. Top-up coverage is available.
- Trip cancellation and interruption
- Cancellation up to $1,500 per person ($5,000 for all insured persons); interruption up to $5,000 per person ($25,000 per trip).
- Flight delay and baggage
- Flight delay of over 4 hours up to $500 per person; delayed or lost baggage up to $1,000 per person.
- Conditions and exclusions
- Delay and baggage cover need at least 75% of the trip paid with the card or points; cancellation and interruption need the trip paid in full. Medical and cancellation cover have a pre-existing condition exclusion. Read TD's certificates of insurance.
Card insurance is narrower than a standalone policy. Compare travel insurance for Canadians if your trip is long, you are 65 or older or you have a health condition.
Who can apply for the TD First Class Travel
- Canadian resident and age of majority in your province or territory
- $60,000 personal or $100,000 household annual income
- Subject to TD credit approval
Advantages and drawbacks
Advantages
- High points rates on groceries, dining, transit and bills
- Four lounge visits a year and a full insurance package
- Points do not expire while the account is in good standing
- A $100 annual travel credit on a qualifying Expedia For TD booking
Drawbacks
- Points are worth 0.5 cents each on Expedia For TD travel, which lowers the real return
- 2.5% foreign currency conversion fee
- Travel redemptions run through Expedia For TD, not a transferable airline program
- Medical coverage drops to 4 days at age 65 and over
TD First Class Travel compared with similar cards
| Card | Annual fee | Foreign fee | Rewards | Lounge |
|---|---|---|---|---|
| TD First Class Travel | $139 | 2.5% | TD Rewards | 4 free lounge visits a year (Visa Airport Companion Program) |
| TD Aeroplan Visa Infinite | $139 | 2.5% | Aeroplan | None included |
| CIBC Aventura Visa Infinite | $139 | 2.5% | Aventura Rewards | 4 free lounge visits a year (Visa Airport Companion Program) |
| Scotiabank Passport | $150 | None | Scene+ | 6 free lounge visits a year (Visa Airport Companion Program) |
TD First Class Travel FAQs
How much are TD Rewards points worth?
TD states that every 200 TD Rewards points are worth $1 on Expedia For TD travel, which is half a cent per point. That means 6 points per dollar on groceries is worth about a 3% return on that spending when redeemed that way. Compare that with other programs on value, not on the headline point count.
What is the annual fee on the TD First Class Travel?
The fee is $139 a year, with the first year rebated for the primary and first additional cardholder if you activate the card and make a first purchase within 3 months. The fee is rebated every year with a TD All-Inclusive Banking Plan. The first additional cardholder costs $50.
How many lounge visits are included?
The card includes 4 complimentary lounge visits per membership year through the Visa Airport Companion Program, which TD describes as 1,200+ lounges. Enrolment is required. Extra visits cost US$32 per person, subject to change.
Does it charge foreign transaction fees?
Yes. TD charges a 2.5% foreign currency conversion fee on purchases in other currencies, according to its published guidance. If you spend heavily abroad, factor that into the value.
Who should consider this card?
It suits people who spend a lot on groceries, dining and bills and who are happy to book travel through Expedia For TD. It is a weaker fit for airline loyalists who want free bags or point transfers. Work out the real cents-per-point value before you compare it with other cards.
Sources and last verified date
Facts on this page were last verified on October 28, 2026. We use the issuer's own pages first and leave out anything we cannot confirm.
- TD First Class Travel Visa Infinite Card (issuer) (opens in a new tab)
- TD guidance on foreign currency conversion (issuer) (opens in a new tab)
Related guides
TripRadr is not a lender, broker or financial adviser, and this page is general information, not financial advice. The issuer link on this page is a plain link and TripRadr earns nothing from it. See how we compare and verify cards.
All travel credit cards