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TD First Class Travel Visa Infinite Card®
Credit cards

TD First Class Travel Visa Infinite Card®

Updated 01.12.2022

About TD First Class Travel Visa Infinite Card

A TD First Class Travel Visa Infinite Card is a credit card for frequent travelers with advanced reward-earning opportunities and extensive insurance coverage included.

From time to time, TD announces welcome offers for new applicants providing extra reward points for meeting spending requirements within a given period or annual fee waiver options.

TD First Class Travel Visa Infinite Card features

A TD First Class Travel Visa Infinite Card features a 19.99% interest rate on purchases and 22.99% on cash advances. The annual fee for a TD First Class Travel Visa Infinite Card is $120 for a primary cardholder, $50 for the first additional cardholder, and $0 for all subsequent cardholders. The minimum credit limit is $5,000. New applicants can waive the annual fee with a special offer. 

With special offers in place, new TD First Class Travel Visa Infinite Card clients can earn extra TD points upon meeting the spending requirements during a certain period.

Along with bonus TD Points earned with special offers, you can earn regular rewards on your everyday purchases. 

For every $1 spent on purchases made with your TD First Class Travel Visa Infinite Card, you will earn 3 TD points. Likewise, for every $1 spent on travel purchases through Expedia For TD, you will earn 9 TD points. Plus, once you link your TD First Class Travel Visa Infinite Card with your Starbucks® Rewards account, you will start earning 50% more TD Points when paying at Starbucks stores.

There is a range of redemption opportunities for your TD points, including:

  • Booking travels through Expedia For TD

  • Making purchases at Amazon.ca 

  • Paying down your credit card account balance

  • Buying merchandise and gift cards through TDRewards.com

TD First Class Travel Visa Infinite Card provides a range of benefits from partner integrations:

  • An annual discount on a Priority Pass membership providing access to VIP airport lounges worldwide

  • Saving 5-10% off the base rates on car rentals at participating Avis and Budget locations in Canada and the U.S.

  • An opportunity to purchase TD Auto Club Membership and get 24/7 access to emergency roadside assistance services 

TD First Class Travel Visa Infinite Cardholders can get the advantage of TD Payment Plans and convert purchases of $100 and more into manageable monthly payments with a lower fee and zero interest. The fees vary based on a chosen term:

  • 4% for a 6-month plan

  • 6% for a 12-month plan

  • 8% for an 18-month plan

Insurance coverages included in a TD First Class Travel Visa Infinite Card are travel medical insurance, trip cancellation, and interruption insurance, common carrier accident insurance, delayed or lost baggage insurance, auto rental collision and loss damage insurance, purchase security, and extended warranty insurance. Additionally, you can apply for an optional TD Credit Card Payment Protection Plan providing coverage of your financial obligations in the event of a job loss, total disability, or loss of Life. 

Pros and cons

Here are the benefits of a TD First Class Travel Visa Infinite Card:

  • Reward-earning and redemption opportunities from TD

  • Benefits from partner integrations

  • Eligibility for TD Payment Plans

  • Extensive insurance coverage

  • Contactless payment through digital wallets

Still, there are certain drawbacks:

  • A $120 annual fee

  • The lack of exclusive benefits from Visa

  • Steep minimum annual income requirements to apply

How to apply for a TD First Class Travel Visa Infinite Card

You can apply for a TD First Class Travel Visa Infinite Card online, by phone, or in person at a branch near you. 

If you opt for an online application, hit the “Apply online” button on the credit card description page. If you already have an EasyWeb online banking account, sign in to it using your login credentials. If you are not a TD client yet, click the “Apply Online” button and fill out the application form with the following information:

  • Your province of residence

  • Your personal information (including your first name, middle name, last name, title, and date of birth)

  • Your social insurance number

  • Your phone number

  • Your email

  • Your address

  • Your employment details (including your employment status, employer’s name, industry, occupation, work phone number, and the date since when you’ve been employed)

  • Your gross annual personal income

  • Other household income

  • Your residential status (own, rent, live with parents, or board)

  • Your housing expenses (monthly mortgage payment, property tax, gas/electricity cost, condo fee, and rent)

  • The credit limit you need

  • Whether you need to register additional cardholders

  • Whether you want to enroll in the TD Credit Card Payment Protection Plan

Once you provide all the required information, review the terms and conditions and agree to them to finalize your application.

To qualify for a TD First Class Travel Visa Infinite Card, you must have at least $60,000 or an annual household income of at least $100,000. 

How do refunds and returns impact my TD reward balance?

Refunds, returns, rebates, and other similar credits lower the number of TD points earned on the original purchases.

What is the minimum amount of TD points to redeem at once?

With travel purchases booked online or by phone through Expedia For TD, you must redeem your TD points in at least 200-point increments. For travel purchases not booked through Expedia For TD, you must redeem your TD points in minimum increments of 200 or 250 TD Points.

Are additional cardholders eligible for TD Payment Plans?

Only primary cardholders can get the advantage of TD Payment Plans.
Rate
i

Effective interest rate on the product

19.99% - 22.99%

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