TD · Visa · travel
First Class Travel Visa Infinite
Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
Terms read from TD's page on Oct 16, 2026.
Year 1, after fees
$1,615
Year 2+, after fees
$676
every year after
3 years, after fees
$2,966
Break-even
Month 1
Earn rate by category
Points at 0.50¢ each (cash or statement credit); published range 0.5¢ to 0.5¢. Source: Milesopedia points valuations, in effect since September 1, 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $411 | $172 | $754 | Month 1 |
| Couple ($2,555/mo) | $1,449 | $510 | $2,468 | Month 1 |
| Family ($3,350/mo) | $1,615 | $676 | $2,966 | Month 1 |
| Frequent traveller ($3,880/mo) | $1,666 | $727 | $3,121 | Month 1 |
| Big spender ($7,960/mo) | $2,446 | $1,507 | $5,461 | Month 1 |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
Who should skip it
- Anyone below the published income minimum ($60,000 personal or $100,000 household).
Fees and rates
- Annual fee
- $139, waived in year 1
- Additional card
- $50
- Foreign transaction fee
- Not stated
- Purchase APR
- 21.99%
Rewards
- 8x on travel booked through Expedia For TD
- 6x on groceries, dining and public transit
- 4x on recurring bills and streaming
- 2x on everything else
Credits, as counted
- TD Travel Credit on Expedia For TD: $100 a year60% used
Eligibility and availability
- Income
- $60,000 personal or $100,000 household
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: TD Rewards points at 0.50 cents each: no redemption style chosen, so cash or statement credit. Source: Milesopedia points valuations, in effect since September 1, 2026.
- Welcome bonus: 20,000 points on the first purchase and 140,000 after $7,500 in 180 days. Your spending meets it in month 1.
- Credits: Each credit counts at the share a typical cardholder uses (listed on the card's page).
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: The first-year fee is rebated.
- Note: A birthday bonus of up to 10,000 points isn't counted.
Not counted or not confirmed
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $676.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Head to head
Frequently asked questions
Is the TD First Class Travel Visa Infinite worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,615 in year 1 and $676 a year after that, after a $139 annual fee, waived in the first year. It covers its fee by month 1.
What is the TD First Class Travel Visa Infinite welcome offer?
20,000 points on the first purchase and 140,000 after $7,500 in 180 days.
Does the TD First Class Travel Visa Infinite charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
What income do you need for the TD First Class Travel Visa Infinite?
TD publishes a minimum of $60,000 personal income or $100,000 household income. Approval depends on more than income, and we don't estimate approval odds.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.