Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

TD Canada TrustTravel Card

TD First Class Travel Visa Infinite Card

Q: Does the TD First Class Travel Visa Infinite Card charge foreign transaction fees?

2.5%, per TD's general FX disclosure -- not restated on this card's own product page, recommend confirming against the card-specific Disclosure Statement.

Our take: strongest for travel — about 4% back in value (est.) for $139 a year, plus a welcome bonus we value at roughly $800.

#7 Best overall #7 Travel #3 Rewards

Welcome bonusUp to 160,000 TD Rewards Points (up to $1,400 value) as a welcome bonus

Apply on TD’s site →

Goes straight to TD
Our review

The TD First Class Travel Visa Infinite Card is a mid-tier travel rewards card built around TD Rewards Points, with its most generous earn rate reserved for bookings made through TD’s own Expedia For TD travel portal. It carries a $139 annual fee, a set of Visa Infinite travel insurance benefits, and a welcome offer that currently includes a first-year fee rebate and a large points bonus, though exact welcome-offer terms have varied across TD’s own pages and should be confirmed at the time of application.

4.2out of 5

MoneyMint rating

#6 of 30 travel rewards cards · How we rate

Rewards value

5/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

10/10

Fee value

10/10

Perks

6/10

≈ $1,129

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$139/yr$50 first supplementary card, $0 subsequent; first-year rebate in current offer

Rewards Rate

8x / 6x / 4x / 2xExpedia For TD / groceries+dining+transit / bills+streaming / base rate

Foreign Transaction Fee

2.5%per TD’s general FX disclosure

Income Requirement

$60,000 / $100,000personal / household, per TD

Rewards

~4%on travel (est. value)

Purchase APR 21.99% · Cash Advance APR 22.99%

Pros & Cons

Pros

Strong 8x point earn rate on Expedia For TD travel bookings
Solid everyday earn rates: 6x on groceries/dining/transit, 4x on recurring bills
Broad Visa Infinite travel insurance package, including trip cancellation/interruption and travel medical coverage
4 complimentary airport lounge visits per year
TD Rewards points don’t expire while the account stays open, with no blackout dates on flight redemptions
Welcome offer currently includes a large points bonus plus a first-year annual fee rebate
Mobile device insurance up to $1,000 for loss, theft, accidental damage or mechanical breakdown of eligible mobile devices

Cons

$139 annual fee (plus $50 for a first supplementary card) once any promotional rebate ends
Best earn rate (8x) is locked to TD’s own Expedia For TD portal, not general travel bookings
Grocery/dining/transit and recurring-bill accelerated categories are capped at a combined $25,000/yr per an official TD document
2.5% foreign transaction fee on purchases made in foreign currency
Requires minimum $60,000 personal / $100,000 household income to qualify
Lounge access limited to 4 visits/year through a specific network, not unlimited premium lounge access

Rewards & Earn Rates

Expedia For TD travel bookings8 pts/$1Only applies to bookings made through TD’s own Expedia For TD portal

Groceries, dining, transit6 pts/$1Capped at combined $25,000/yr per an official TD welcome-guide PDF

Recurring bills, streaming, gaming4 pts/$1Same $25,000/yr cap noted in the official welcome-guide PDF

All other purchases2 pts/$1Base/floor rate, no cap disclosed

Starbucks (linked account)+50% bonus pointsOn top of the applicable base category rate

Note: the welcome offer shown (160,000 points, up to $1,400 in value) is the general-public offer on TD’s product page as of Sept 10, 2026. TD periodically runs targeted or preapproved offers with different figures, and the $25,000 category-spend cap appears in an official PDF but not on the live product page — confirm both directly with TD before applying.

Who It’s For

Best For

Canadians who are willing to book flights and hotels through TD’s Expedia For TD portal to capture the 8x earn rate
Higher-income households ($60K+ personal / $100K+ household) who can meet eligibility and offset the $139 annual fee
Travelers who value a broad built-in travel insurance package bundled into the card rather than purchased separately

Not For

Frequent international spenders who want to avoid foreign transaction fees entirely
Travelers who prefer booking directly with airlines/hotels or through other sites, since they’d miss the card’s best earn rate
Applicants who don’t meet the $60,000/$100,000 minimum income requirement, or who want a no-annual-fee card

Not Sure? Three Cards People Compare It With

All travel cards →

RBC Avion Visa Infinite Business Card

Pick this instead if travel insurance matters more to you.

Fee $175Rating 4.3 ★Bonus $1,175

Read review

BMO eclipse Visa Infinite Privilege Card

Pick this instead if you want a bigger welcome bonus (~$1,340 est.).

Fee $599Rating 4.4 ★Bonus $1,340

Read review

American Express Business Platinum Card

Pick this instead if you want a bigger welcome bonus (~$2,040 est.).

Fee $799Rating 3.9 ★Bonus $2,040

Read review

Frequently Asked Questions

What is the annual fee for the TD First Class Travel Visa Infinite Card?

The TD First Class Travel Visa Infinite Card has an annual fee of $139 primary; $50 for the first supplementary card, $0 for subsequent cards. First-year fee rebate included in the current welcome offer (activation plus first purchase within 3 months required).

What is the rewards rate on the TD First Class Travel Visa Infinite Card?

The TD First Class Travel Visa Infinite Card offers: 8x TD Rewards points on travel booked via Expedia For TD; 6x groceries/dining/transit; 4x recurring bills plus streaming/gaming/digital subscriptions; 2x on everything else (base rate). An official welcome-guide PDF states the 6x/4x categories cap at a combined $25,000/yr net spend — not repeated on the live product page, needs re-verification. 50% bonus at Starbucks with a linked account. Birthday bonus up to 10,000 points.

Does the TD First Class Travel Visa Infinite Card have a welcome bonus?

Up to 160,000 TD Rewards Points (TD states a $1,400 value), effective June 1, 2026 — 20,000 on your first purchase and 140,000 after spending $7,500 within 180 days of account opening — plus a first-year annual fee rebate. The card also comes with an annual $100 Expedia For TD travel credit and a birthday bonus of up to 10,000 points. Verified against TD’s site on Sept 10, 2026; offers rotate, so confirm before applying.

What credit score do I need to qualify for the TD First Class Travel Visa Infinite Card?

Generally, you’ll want a very good credit score to be considered for the TD First Class Travel Visa Infinite Card. Approval also depends on income and overall credit history, not credit score alone.

Does the TD First Class Travel Visa Infinite Card charge foreign transaction fees?

2.5%, per TD’s general FX disclosure — not restated on this card’s own product page, recommend confirming against the card-specific Disclosure Statement.