The TD First Class Travel® Visa Infinite* Card stands out as one of the most attractive travel rewards credit cards in Canada. With a competitive reward system and multiple travel benefits, it’s designed for individuals who prioritize travel perks and flexibility in their credit card.
Whether you’re booking your next vacation or simply making everyday purchases, this card is packed with features that can elevate your experience. In this guide, we’ll delve into the key features of this credit card, from its rewards program to how to apply for it, ensuring you understand all the benefits and considerations.
Key information about the credit card
How does the annual fee work?
The TD First Class Travel® Visa Infinite* Card comes with an annual fee of $139. However, new cardholders can enjoy a special promotion that offers a rebate for the first year. This rebate is valid if you meet certain conditions, such as making your first purchase within three months of account opening.
Additionally, if you have a TD All-Inclusive Banking Plan, you can receive an annual fee rebate every year, adding extra value to your card experience. It’s worth noting that additional cardholders pay a fee of $50 for the first card but subsequent additional cardholders are free of charge, which can help you maximize the card’s benefits for your family members.
How is the credit limit determined?
The credit limit for the TD First Class Travel® Visa Infinite* Card is determined based on your creditworthiness, income, and other financial factors assessed by TD Bank. In general, the bank evaluates your annual income (which must be at least $60,000 personally or $100,000 for household income) to offer a credit limit that suits your financial profile.
For those with higher credit scores and stable income, the limit is often more generous, giving you more spending flexibility. Unlike prepaid cards, where the credit limit is based on deposits, this card’s limit is set by the bank, and it adjusts as your financial situation changes over time.
Advantages of the credit card
- TD rewards points: Earn 8 TD Rewards Points for every $1 spent on travel through Expedia for TD, 6 points for groceries and restaurants, and 4 points for recurring bill payments. For all other purchases, you’ll earn 2 points per $1.
- Welcome bonus: You can earn up to 135,000 TD Rewards Points as part of the card’s special promotion, which equates to a significant travel value.
- Birthday bonus: Every year on your birthday, you’ll receive a 10% bonus of the points you’ve earned over the past year, up to a maximum of 10,000 TD Rewards Points.
- No blackouts: Book your travel with ease—there are no blackout dates or seat restrictions when redeeming your points for travel.
- TD travel credit: Receive an annual $100 travel credit when booking through Expedia for TD.
Standout advantage
One of the most unique advantages of the TD First Class Travel® Visa Infinite* Card is its connection with Expedia for TD. Not only can you earn more points on travel bookings through Expedia, but the card also provides access to exclusive deals. The $100 annual TD Travel Credit is an added bonus, making your trips even more affordable, especially for frequent travelers who prefer to use Expedia’s platform for booking flights, hotels, and rental cars.
Disadvantages
- Annual fee: At $139, the fee is higher than some other credit cards.
- Income requirement: The $60,000 personal income or $100,000 household income threshold may exclude some potential applicants.
- Limited redemption flexibility: Although you can redeem points through various platforms, the highest value is typically achieved through Expedia for TD.
Standout disadvantage
The primary downside of the TD First Class Travel® Visa Infinite* Card is the income requirement. With a minimum personal income of $60,000 or household income of $100,000, this card may not be accessible for everyone. For individuals who don’t meet this threshold, TD offers alternative travel cards with lower income requirements, but they may not have the same level of benefits.
Who can apply for this card?
To apply for the TD First Class Travel® Visa Infinite* Card, there are a few eligibility criteria you must meet. Applicants must be Canadian residents and at least the age of majority in their respective provinces or territories. Additionally, there is a minimum income requirement of $60,000 for individual applicants or $100,000 for households.
Those who do not meet the income requirement are encouraged to consider the TD Platinum Travel Visa* Card, which offers more lenient qualification criteria. It’s important to note that this card is not intended for individuals with poor credit or those who are currently financially unstable, as credit approval is based on your financial standing and credit history.
How to apply for the TD First Class Travel® Visa Infinite* Card
For the website
One of the easiest ways to apply for the TD First Class Travel® Visa Infinite* Card is by visiting the official TD Canada Trust website. On the site, you’ll find the online application form where you’ll need to provide personal details such as your name, address, employment information, and income. Once you’ve filled out the form and submitted it, TD Bank will process your application, and in many cases, you’ll receive an instant decision on whether you’ve been approved.
Through the app
If you’re already a TD customer, applying through the TD mobile banking app is another convenient option. After logging in, you can navigate to the credit card section and select the TD First Class Travel® Visa Infinite* Card. The app will pre-fill your personal information, saving you time, and guide you through the rest of the application process. You can also use the app to check your application status after submission.
At the branch
For those who prefer a more personal approach, you can apply for the TD First Class Travel® Visa Infinite* Card by visiting a TD Bank branch. A banking specialist will guide you through the application process, answer any questions you may have, and help you choose the right card based on your financial goals. While this option may take a little more time than applying online or via the app, it can be beneficial for those who want expert advice.
