TD® First Class Travel® Visa Infinite* Card

Card Features

  • Apply online by December 1, 2019 to get a full Annual Fee Rebate1 for the Primary Cardholder for the first year and up to 90,000 TD Points (a travel value of $450 when you book travel purchases through ExpediaForTD.com3) as follows. This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • Welcome Bonus of 20,000 TD Points when you make your first Purchase with your card1. + Earn 2X TD Points on all Purchases3 in the first three months up to a total of 60,000 TD Points1. + Earn 10,000 TD Points when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply1.
  • Redeem TD Points for travel and travel-related purchases.
  • Also redeem4 TD Points for retail merchandise and gift cards, or for a cash credit to your Account.
  • No travel blackouts5, no seat restrictions5 and no expiry6 for your TD Points
  • An extensive suite of travel insurance.

Earn Rewards

  • Earn 9 TD Points7 / $1 on travel booked online through Expedia For TD8
  • Earn 6 TD Points7 / $1 on travel booked over the phone through Expedia For TD8
  • Earn 3 TD Points7 / $1 on all other net purchases

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1 Must apply by December 1, 2019. Welcome Bonus of 20,000 TD Points will be awarded to the TD First Class Travel Visa* ("Account") only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in TD Points ("Welcome Earn Bonus") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Points of 60,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 18 TD Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 12 TD Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to the Account, and earn 6 TD Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Points at the regular 9 TD Points for every $1 in Online Travel Purchases, earn 6 TD Points for every $1 in Phone Travel Purchases, and earn 3 TD Points ("Standard Rebate") on every $1 on all Other Purchases charged to the Account. To receive the additional 10,000 TD Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 10,000 Authorized User Bonus TD Points offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User.

3 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments

4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com

5 Subject to carrier/space availability.

6 TD Points do not expire as long as you are a Cardholder.

7 TD Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Points must be redeemed in minimum increments of 200 or 250 TD Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Points will be redeemed from the TD Points balance available at the time the TD Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Points redeemed. If there are insufficient TD Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Points redeemed. Any amount of the travel Purchase not covered by the TD Points redeemed will remain on the Account for payment.

8 Expedia For TD is operated by Expedia, Inc. at www.tdrewards.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

9 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

10 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

11 Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

12 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

13 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

All trade-marks are the property of their respective owners.

* Trademark of Visa International Service Association and used under license.

®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Interest Rates

Purchase APR: 19.99%

Balance Transfer APR: 22.99%

Cash Advance APR: 22.99%

Annual Fee

$120 (Authorized User Cards: $502)

Pros

  • Generous welcome bonus plus first year annual fee rebate
  • Visa Infinite benefits

Cons

  • Not a low rate card

Bonus Offer

Limited time offer: Earn up to 90,000 TD Points1 (a travel value of $4501). Plus, first year no Annual Fee1 for the Primary Cardholder. Conditions Apply. Offer ends December 1, 2019.

Introductory Rates

N/A

Reward Earnings Rate

Additional Details

Grace Period: 21 days on all new purchases

Fees

Intro Balance Transfer Fee: Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.

Cash Advance Fee: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque).

Foreign Transaction Fee: 2.50%

Over Credit Limit Fee: N/A