This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.
The TD First Class Travel Visa Infinite isn’t necessarily the first TD travel card you think of, given TD’s deep relationship with Air Canada and Aeroplan—but it’s worth considering for its flexible redemption program and partnership with Expedia. You can use the Expedia For TD online portal to redeem rewards for flights, hotels and car rentals with virtually any carrier on Expedia.
A hefty sign-up bonus, comprehensive insurance coverage and generous earn rates makes the TD First Class Travel Visa Infinite card a solid choice if you want to use your credit card rewards towards travel-related purchases.
| Annual fee | $120 (waived for your first year) |
| Welcome offer | Up to 65,000 TD Points / $325 value |
| Earn rate | 9 TD Points per $1 spent online on ExpediaForTD.com; 3 Points per $1 on everything else |
| Point value | 1 Point = $0.005 when redeemed online for travel on ExpediaForTD.com |
| Income requirement | $60,000 (or $100,000 as a household) |
| Purchase interest rate | 19.99% |
| Best features | Strong earn rate on travel spending (4.5%); flexible travel program with access to everything Expedia has to offer |
| Who it’s good for | Frequent travellers who are not tied to a particular airline, book travel often and want flexible redemption options |
You can redeem your TD Points for travel in two ways:
The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD Points per dollar in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).
Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD Points per dollar (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD Points per dollar (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending.
In both cases, the TD First Class Travel Visa Infinite card allows you to redeem for any seat on any airline. Additionally, you can redeem Points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of Points before you’re able to apply them towards travel.
Finally, through the TD Rewards site, you can shop for items such as a Vitamix or a Dyson vacuum, or even gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD Points, whereas you can use the same amount of Points for $100 in travel on the Expedia For TD portal.
Ultimately, your best bet is to redeem Points for travel from ExpediaForTD.com. Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 Points per $1. If you redeem Points for travel outside of the TD portal, your Points will lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal.
If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.
There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category.
Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD Points per dollar (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).
Finally, the TD First Class Travel Visa Infinite card doesn’t offer airport lounge access—only a 20% discount on a Priority Pass membership—and you’ll be charged foreign transaction fees. So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks.
TD’s unique partnership with Expedia, accelerated earn rates and incremental Points redemption structure make the TD First Class Travel Visa Infinite card a worthwhile consideration for those who travel frequently.
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One of the TD First Class Infinite VISA Benefits List include :
“ Earn 3 points per $1 on everything spent “
Could you clarify why on my recent
Bill Statement, showed $5 earned for 1,178 points
Wouldn’t 1,178 points translate into 1178 divided by 3 ?