TD Canada Trust First Class Travel Infinite Visa Credit Card

Card Details
Rewards	TD Rewards Points — up to 8 points/$1 through Expedia For TD, 6 points/$1 on groceries, dining and public transit, 4 points/$1 on recurring bills and select digital/streaming purchases, and 2 points/$1 on other purchases
Signup Bonus	Up to 160,000 TD Rewards Points: 20,000 points after the first purchase + 140,000 points after $7,500 in purchases within 180 days. The first-year annual fee is also rebated under the current offer.
Annual Fee	$139
Cardmember Agreement	View Here
Cash Advance APR	22.99% (21.99% for Quebec residents)
Cash Advance Fee	1% of the cash advance amount, minimum $3.50, maximum $10 in Canada; $5 outside Canada, plus applicable ATM fees
Late Payment Fee	$50
Purchases APR	21.99% (21.99% in Quebec).
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

premium travel card with a $139 annual fee, TD Rewards Points, flexible travel redemption options, and benefits such as a $100 annual TD Travel Credit and airport lounge visits. Its current welcome offer can also provide a substantial number of bonus points for new cardholders.

Most users say the card’s flexible travel rewards are a major attraction, especially for people who prefer booking different airlines and hotels rather than being tied to one loyalty program. Many reviewers mentioned the strong welcome offer and useful bonus categories as key positives.

On the downside, some users find the annual fee high, particularly if they don’t travel enough to use the travel credit and other perks. Others feel the rewards system can be less straightforward than traditional cash-back cards.

Personally, I think this card is best for frequent travellers who can take advantage of its travel benefits and earn points consistently. For someone who travels only occasionally, a lower-fee or no-fee rewards card may provide simpler value.