5 Reasons to Keep TD First Class Visa Infinite
/Why I Am Keeping TD First Class Visa Infinite Travel Credit Card
1. The $100 Annual Travel Credit
TD First Class Visa Infinite has an annual fee of $130, but each year it gives you a $100 travel credit when you purchase/book $500+ in accommodations on Expedia For TD, making this card only $39 per year. Visit the TD website for more details; one thing to note is that flight booking doesn't qualify.
2. 4 Free Lounge Passes + Membership
TD First Class Visa Infinite includes 4 complimentary lounge visits through Visa Airport Companion (DragonPass). Once your free visits are depleted, you can still access lounges for roughly $32–$35 USD per visit, because the annual DragonPass membership—normally up to $100—is fully covered.
This single perk alone can easily offset the card’s annual fee multiple times over.
3. Annual Birthday Bonus
Once a year, generally around your birthday, TD gives you a bonus based on how much you spent, up to 10,000 points—which is about $50 in free travel. This, along with Point #1, can pay off your annual fee.
4. ExpediaForTD Boosted Earn Rate
You earn points fast on ExpediaForTD because every dollar gets you 8 TD Rewards Points. 200 points equals $1 in travel, so that works out to a 4% return on every booking.
5. The $2500 Hotel or Motel Burglary Insurance
This is the standout protection that genuinely beats Scotiabank and Amex. Most cards offer very low hotel burglary coverage—the Amex Gold caps you at $500 , and the Scotiabank Passport only goes up to $1,000. The TD First Class Visa Infinite, on the other hand, covers up to $2,500 for items stolen from your hotel room, as long as 75% of the stay is charged to the card.
The TD First Class Visa Infinite isn’t the flashiest travel card on the market, but it delivers real, measurable value that many competing cards simply don’t match. Between the annual travel credit, lounge access, boosted ExpediaForTD earn rate, birthday bonus, and industry‑leading hotel burglary insurance, this card consistently pays for itself—and then some.
If you book travel even a couple of times a year, or if you want strong protection without jumping into premium‑fee cards, the TD First Class Visa Infinite remains one of the most practical long‑term keepers in Canada.
