TD · Visa · TD Rewards
Reviewed 2026-07-05 · By The Points Standard editorial team
TD First Class Travel Visa Infinite
A first-year-value play: the bonus plus fee waiver is genuinely large, but the ongoing program is portal-locked and mediocre.
Standard Score breakdown — Strong
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 6.60/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $139 |
| Welcome bonus | Up to 146,000 TD Rewards points (20,000 on first purchase + 126,000 on $7.5K/180 days), plus a first-year fee rebate |
| Est. bonus value | ≈ $730 |
| First-year net value | ≈ $730 |
Earn rates
| Travel via Expedia for TD | 8x |
| Groceries and restaurants | 6x |
| Recurring bills | 4x |
| Everything else | 2x |
Why it earns its score
- Huge headline bonuses (TD Rewards points are worth ~0.5¢ via Expedia for TD)
- $100 annual Expedia for TD hotel credit
- First-year-free offers appear regularly
Where it loses points
- Points locked to ~0.5¢ ceiling, mostly through TD's Expedia portal
- Big multipliers flatter a currency worth half a cent
Who it's for
TD clients who book travel anyway and want a large, simple first-year haul without learning points programs.
Who should skip it
You value flexibility — TD Rewards can't transfer anywhere.
Included insurance
Travel medical · Trip cancellation/interruption · Flight delay · Rental car coverage
Source: issuer card page · Last reviewed 2026-07-05. Details change often — confirm current terms with the issuer before applying.