TD Bank
TD First Class Travel Visa Infinite Card
Welcome Bonus
Earn up to 165,000 TD Rewards Points
travel travel dining flexible-travel premium
Annual Fee
$139
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Quick Stats
Annual Fee
$139
Purchase APR
20.99%
FX Fee
2.5%
Card Type
visa
Rewards & Earning Rates
| Spending Category | Earn Rate |
|---|---|
| Travel purchases (flights, hotels, car rentals) | 3 TD Rewards Points per $1 |
| Dining and entertainment | 3 TD Rewards Points per $1 |
| All other purchases | 1.5 TD Rewards Points per $1 |
Welcome Bonus Details
Earn up to $1,400 in value, including up to 165,000 TD Rewards Points and no Annual Fee for the first year. Breakdown: 50,000 points on first purchase; 50,000 points when you spend $10,000 in first 90 days; 65,000 points when you spend $30,000 in first 12 months.
Fees & Interest Rates
| Annual Fee | $139.00 |
| Additional Card Fee | $50.00 |
| Purchase Interest Rate | 20.99% |
| Cash Advance Interest Rate | 22.99% |
| Foreign Transaction Fee | 2.5% |
Pros & Cons
Pros
- Up to 165,000 TD Rewards Points welcome bonus
- First-year annual fee waived ($139 value)
- 3x points on travel and dining
- Strong 1.5x base earn rate on all other purchases
- Airport lounge access via Visa Airport Companion
- 10% annual birthday bonus on points earned
- Comprehensive travel insurance
Cons
- $139 annual fee after first year
- Points worth only 0.5¢ each (lower value)
- Best redemption requires Expedia for TD bookings
- 2.5% foreign transaction fee
- High spending requirements for full welcome bonus
- Complex multi-tier bonus structure
Eligibility Requirements
Requires $60,000 personal or $100,000 household income; good to excellent credit; best for frequent travelers
Recommended Credit Score: 680+
Ready to Apply?
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