TD · Visa
TD First Class Travel Visa Infinite Card
Travel points, earns TD Rewards points
Welcome offer
Verified · Oct 4Up to 160,000 TD Rewards points
Earn 20,000 points on your first purchase, plus 140,000 points when you spend $7,500 within 180 days. First year free.
- Minimum spend
- $7,500 in 6 months
- Apply by
- Not stated
TD Rewards points have a low value each. TD's own conversion is 15,152 points for $50 of Amazon.ca purchases.
Checked on October 4, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $139, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $60,000 or Household $100,000
- Costco in store
- Not accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
Earlier offers are struck through below, to help you judge whether now is a good time to apply. The current offer is 14,000 points more than the previous one on record. The highest offer on record was 165,000 points.
- Now · Checked October 4, 2026Up to 160,000 TD Rewards pointsSpend $7,500 in 6 months · Annual fee $139 · First year free
- Before September 2, 2026 · Reported publicly at the time
Up to 146,000 TD Rewards points - January 13, 2026 · Reported publicly at the time
Up to 165,000 TD Rewards pointsSpend $7,500 in 6 months · First year free - May 28, 2025 · Reported publicly at the time
Up to 85,000 TD Rewards pointsSpend $5,000 in 6 months · First year free
Offers marked “Reported publicly at the time” ran before I started tracking this card myself (October 4, 2026). The numbers are second-hand, from reports published then, and I did not see those offers myself. Conditions the reports did not mention are not listed here.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 6× TD Rewards | about 3% |
| Dining and delivery | 6× TD Rewards | about 3% |
| Gas and EV charging | 2× TD Rewards | about 1% |
| Recurring bills | 4× TD Rewards | about 2% |
| Transit | 6× TD Rewards | about 3% |
| Drugstores | 2× TD Rewards | about 1% |
| Travel | 2× TD Rewards | about 1% |
| Entertainment | 2× TD Rewards | about 1% |
| Phone and internet | 2× TD Rewards | about 1% |
| Streaming | 4× TD Rewards | about 2% |
| Online shopping | 2× TD Rewards | about 1% |
| Convenience stores | 2× TD Rewards | about 1% |
| Office supplies | 2× TD Rewards | about 1% |
| Other spending | 2× TD Rewards | about 1% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Benefits
- Concierge
- Yes
- Lounge visits per year
- 4
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $2,000,000, 21 day(s)
- Travel medical (age 64 and under)
- $2,000,000, 21 day(s)
- Travel medical (age 65 and over)
- $2,000,000, 4 day(s)
- Trip cancellation
- $1,500
- Trip interruption
- $5,000
- Travel accident
- $500,000
- Flight delay
- $500
- Baggage delay
- $1,000
- Lost baggage
- $1,000
- Rental car collision
- $65,000, 48 day(s)
- Hotel burglary
- $2,500
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
- Mobile device
- $1,000
Coverage amounts and number of days are as stated in the certificate of insurance.