The TD Rewards Visa Infinite is a premium travel rewards card from TD Bank that earns TD Rewards points—most powerfully when booking through the Expedia for TD portal. With strong earn rates on travel, dining, and groceries, and a solid travel insurance package, it competes as an all-around Visa Infinite travel card.
Note: TD periodically updates its credit card portfolio. If you’re researching this card, also check whether the TD First Class Travel Visa Infinite is currently the active product at this tier—the two products are closely related.
Quick Verdict
Best for: Canadian travellers who prefer booking through Expedia for TD, want a full travel insurance package, and like accumulating TD Rewards points for flexible travel redemptions.
Not ideal for: Aeroplan loyalists (the TD Aeroplan Visa Infinite offers better Air Canada value), or those seeking lounge access or no-FX fees.
Key Card Details
| Feature | Details |
|---|---|
| Annual Fee | $139 CAD |
| Supplementary Cards | $50/year |
| Network | Visa Infinite |
| Purchase Interest Rate | 20.99% |
| Cash Advance Rate | 22.99% |
| Personal Income Requirement | $60,000 CAD |
| Household Income Requirement | $100,000 CAD |
Welcome Bonus
TD typically offers welcome bonuses of 20,000–50,000 TD Rewards points for new cardholders who meet a minimum spend within the first 3–6 months. At a standard redemption value of $0.005/point through Expedia for TD, 50,000 points = $250 in travel. Check TD’s website for the current offer.
Earn Rates
| Spending Category | TD Rewards Points per $1 |
|---|---|
| Expedia for TD (flights, hotels, packages) | 8 points |
| Travel purchases (all providers) | 6 points |
| Dining and restaurants | 6 points |
| Grocery stores | 4 points |
| Recurring bill payments | 4 points |
| All other purchases | 2 points |
The 8× multiplier at Expedia for TD is the standout feature. A family booking a $3,000 vacation package earns 24,000 points—worth $120 in additional travel.
Redemption
TD Rewards points are redeemed through the Expedia for TD portal at a rate of 200 points = $1 (i.e., $0.005 per point). Options include:
- Expedia for TD — flights, hotels, vacation packages, car rentals (best value at 200 pts/$1)
- TD Travel Statement Credits — apply points toward any travel purchase on your statement (lower value)
- Amazon.ca — redeem directly at checkout (rate may vary)
- Gift cards and merchandise — through TD’s rewards portal
Booking through Expedia for TD maximizes both your earn rate (8×) and your redemption value—a double-dip that makes this card particularly compelling for Expedia users.
Benefits and Perks
- Travel emergency medical insurance — up to $2 million coverage per trip for the first 21 days (age-dependent)
- Trip cancellation/interruption — up to $5,000/person, $25,000 total
- Common carrier accident insurance — coverage for travel by commercial carrier
- Flight delay insurance — coverage after 4+ hours delay
- Delayed/lost baggage insurance — covers essential items up to $1,000
- Auto rental collision/damage waiver — covers rental vehicles up to $65,000
- Visa Infinite perks — Visa Infinite Dining and Hotel Collection access
Fees and Rates
| Fee / Rate | Amount |
|---|---|
| Annual Fee | $139 CAD |
| Supplementary Cards | $50/year |
| Purchase Interest | 20.99% |
| Cash Advance | 22.99% |
| Foreign Transaction Fee | 2.5% |
| Returned Payment | $48 |
Who Is This Card Best For?
The TD Rewards Visa Infinite suits:
- Expedia users — the 8× multiplier and seamless booking experience at Expedia for TD make this the obvious card for Expedia loyalists
- Dining and travel spenders — 6× on restaurants and travel is strong
- Grocery households — 4× on groceries is above average for a travel rewards card
- TD banking clients — one financial relationship, comprehensive digital integration
Alternatives
| Card | Annual Fee | Best Earn | Best For |
|---|---|---|---|
| TD First Class Travel Visa Infinite | $139 | 8× at Expedia for TD | Related TD product—verify current |
| TD Aeroplan Visa Infinite | $139 | 1.5× Aeroplan | Air Canada loyalists |
| Scotiabank Passport Visa Infinite | $150 | 3× Scene+ on dining | No-FX fee + lounge access |
Bottom Line
The TD Rewards Visa Infinite is a strong all-around travel card for TD clients who book through Expedia for TD. The 8× earn rate there, backed by 6× on dining and travel and 4× on groceries, makes for a compelling everyday-plus-travel card. If you don’t use Expedia often, the Aeroplan or Scene+ alternatives may deliver more targeted value.
Disclaimer: Card terms, earn rates, and welcome bonus offers are subject to change. Verify all current details at td.com before applying.