Who this card is for
A good fit if you…
- Travellers who will book hotels, cars, or packages through Expedia For TD so the 8x category is not a brochure line.
- Households that can put groceries, dining, and public transit on this Visa for 6x, plus recurring bills and streaming for 4x.
- Applicants who meet Visa Infinite income figures (personal or household amounts are in eligibility) and have not activated or closed this product in the last 12 months if they want the welcome offer.
- TD customers who want a bank currency they can park until a trip appears, rather than locking into Aeroplan or WestJet before next year’s itinerary exists.
Skip it if you…
- Air Canada regulars who already think in Aeroplan. The TD Aeroplan Visa Infinite Card credits the program you fly, at a similar Infinite fee band.
- Anyone who will never open Expedia For TD. Then you are paying Infinite prices for 6x grocery/dining and 2x on the airfare you bought on the airline site.
- Applicants who cannot meet Infinite income, or who will not hit a large first-180-days spend. TD Platinum Travel currently lists a lower fee and a gentler welcome path.
- People who revolve a balance. TD Rewards will not outrun the purchase rate.
Pros and cons
Pros
- 8 TD Rewards points per dollar through Expedia For TD is a serious portal rate if you were going to book that stay anyway.
- 6x on groceries, dining, and public transit is a stronger everyday mix than most flexible-point Infinites that only bump “travel.”
- 4x on recurring bills and streaming, then 2x on everything else, means general spend does not fall to a dead 1x.
- The current welcome is 20,000 TD Rewards points on the first purchase plus 140,000 points after you spend $7,500 in the first 180 days (up to 160,000 points, which TD values at up to $1,400), plus a first-year annual-fee rebate.
- The first additional card currently has a fee; further additional cards show $0, which is kinder than some Infinite products if you add a second helper later.
Cons
- The big welcome chunk currently requires a high spend within 180 days. Miss it and the “up to” value collapses.
- TD Rewards redeemed through Expedia For TD or as a statement credit can be worth less than you hoped. Treat the listed dollar wrap as marketing, not cash.
- Check the issuer’s site for current insurance coverage. Do not assume travel medical coverage from the Visa Infinite name or from “First Class” in the product title.
- Eligibility currently excludes people who activated or closed a TD First Class Travel Visa Infinite account in the last 12 months.
- You still pay typical Visa Infinite foreign-conversion fees abroad unless TD’s agreement says otherwise — this is not Passport.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $139
- Estimated welcome bonus value
- $1,400
- Bonus minus fee (estimate)
- $1,261
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
The ongoing annual fee is the price after year one. The welcome rebates that fee in the first year, and pays 20,000 TD Rewards points on the first purchase plus 140,000 points after $7,500 in purchases in the first 180 days.
Together that is up to 160,000 points, which TD values at up to $1,400, before the fee rebate. Year one only matches that brochure if you make a first purchase, actually spend $7,500 on bills and a trip you would have paid anyway, and would use Expedia For TD.
Year two is the full fee versus 8x portal travel, 6x grocery/dining/transit, and 4x bills/streaming. If you fly Air Canada on purpose, compare Aeroplan Infinite instead of forcing TD Rewards into a Star Alliance trip.
Additional cards: budget for the first extra card. Offers change.
Pay in full.
Rewards and earn rates explained
Rewards program: TD Rewards
This card earns TD Rewards points, TD’s flexible travel currency — not Aeroplan. Purchases through Expedia For TD earn 8 points per dollar.
Groceries, dining, and public transit earn 6. Recurring bill payments and streaming, digital gaming, and media earn 4.
Everything else earns 2. Those multipliers depend on merchant codes: a warehouse club, a restaurant inside a grocer, a bill you pay by e-transfer, or a flight bought on westjet.com can miss the bonus bucket.
Points are meant for travel through Expedia For TD and TD’s redemption menu. If you already collect Aeroplan, putting this card next to an Aeroplan cobrand means two TD Infinite fees unless each has a job.
FCT is the “I do not know which airline” card; Aeroplan Infinite is the “I fly Air Canada” card.
Welcome bonus: how to unlock it
$1,400 in value
The current offer is 20,000 TD Rewards points on your first purchase, plus 140,000 points when you spend $7,500 in the first 180 days. That is up to 160,000 points, which TD values at up to $1,400, and the first-year annual fee is rebated.
You need both the first purchase and the $7,500 spend to match that headline. Eligibility excludes customers who activated and/or closed a TD First Class Travel Visa Infinite account in the last 12 months.
Hit the 180-day number with a planned trip and grocery you would buy anyway; do not manufacture $7,500 of spend that was not already in the budget.
Welcome bonus eligibility: This offer is not available to customers who have activated and/or closed a TD First Class Travel Visa Infinite* Account in the last 12 months.
FAQ
Is the TD First Class Travel Visa Infinite Card worth it in 2026?
It is worth it when you will book through Expedia For TD, grocery and dining spend will use 6x, and you can hit the welcome spend as a new FCT client. It is not worth it as an Aeroplan substitute or as a card you plan to revolve.
TD First Class Travel vs TD Aeroplan Visa Infinite?
FCT pays TD Rewards for flexible travel via Expedia For TD. Aeroplan Infinite pays Aeroplan for Air Canada and partners, with 1.5x grocery/gas/Air Canada. Choose FCT if the airline is undecided. Choose Aeroplan if Star Alliance is already the plan. They are not interchangeable just because TD issues both.
First Class Travel vs TD Platinum Travel Visa?
Platinum Travel currently lists a lower fee, lower earn rates in the same category shape (Expedia, grocery/dining/transit, bills/streaming), and a smaller welcome wrap. Choose FCT if Infinite income is fine and the extra earn plus travel credit clear the extra fee. Choose Platinum if you want TD Rewards without the Infinite bar.
First Class Travel vs RBC Avion Visa Infinite?
Both are flexible bank-point Infinites. Avion Infinite currently pays 1.25x travel and 1x elsewhere. FCT currently pays 8x in TD’s Expedia portal and 6x grocery/dining/transit. Choose the bank you already use, then be honest about whether you will book in that portal.
Does this card charge foreign-exchange fees?
Most Canadian Visa Infinite cards add a foreign-conversion fee on foreign-currency purchases. FCT is a points card, not a no-FX Passport. For overseas spend, compare Scotiabank Passport Visa Infinite, and confirm TD’s current FX rate in the agreement.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- TD Aeroplan Visa Infinite Card review · TD · $139 annual fee
- TD Platinum Travel Visa Card review · TD · $89 annual fee
- RBC Avion Visa Infinite review · RBC · $120 annual fee
