Tom B.Toronto, ON · Mar 2026
★★★★★
Book Expedia trips 3-4x/year. 6x earn means real value. NEXUS rebate is nice surprise. Solid mid-tier card.
Overview
The TD First Class Travel Visa Infinite is TD's premium travel card built around the Expedia for TD booking platform — Expedia's white-labeled travel portal for TD customers.
You earn 6x TD Rewards on Expedia for TD bookings, 3x on grocery + dining, 2x on travel + transit, 1x on everything else. TD Rewards redeem at 0.5 cent per point standard, 1 cent per point via Expedia for TD travel — meaning the 6x earn translates to 6% effective rebate when booking through the portal.
Includes $50 NEXUS rebate every 4 years, premium travel insurance (emergency medical, trip cancel, interruption, baggage), Visa Infinite concierge, and Visa Infinite hotel benefits at participating properties.
Welcome bonus
★ NEW CARDHOLDER OFFER
Earn up to 75,000 TD Rewards Points
Strong welcome bonus = covers fee 5x in Expedia value.
75,000 pts
Spend $5,000 in first 6 months
≈ $750 Expedia travel value
Rewards & earn rates
Here's exactly what you earn per dollar across every category — and where this card pulls ahead of the field.
6xx
Expedia for TD bookingsFlights, hotels, packages booked via Expedia for TD portal
3xx
Grocery + diningAll grocery stores + restaurants + UberEats
2xx
Travel (non-Expedia)Direct flights, hotels, transit, gas
1xx
Everything elseAll other purchases
Benefits & perks
Beyond the rewards, here are the perks worth knowing about.
🛂$50 NEXUS rebate (4yr)
Every 4 years, TD reimburses your NEXUS application fee.
🛡️Premium travel insurance
Emergency medical $5M, trip cancel $1,500, interruption $5,000, baggage delay.
🏨Visa Infinite Hotel Collection
Hotel upgrades + complimentary breakfast at Visa Infinite partner properties.
👔Visa Infinite concierge
24/7 concierge for travel + dining + tickets.
Fees & rates
The numbers that show up on your statement.
ANNUAL FEE$139First year often waived on promo
PURCHASE APR20.99%Standard
FX MARKUP2.5%⚠ Not FX-free
MIN INCOME$60,000 personal$100,000 household
Pros and cons
✓ PROS
- 6x on Expedia for TD = 6% effective rebate
- 3x earn on grocery + dining strong for mid-tier card
- $50 NEXUS rebate is genuine value
- Visa Infinite Hotel Collection adds upgrade perks
- Strong welcome bonus
- Lower fee than Aeroplan Privilege siblings
✗ CONS
- Best earn requires Expedia booking (rate may be higher than direct)
- 2.5% FX markup
- TD Rewards less flexible than Aeroplan or Membership Rewards
- Cap of $80,000 annual spend on 3x earn
- Smaller niche than RBC Avion or Scotia Passport
Who it's for
★ APPLY IF
- Travelers who book Expedia heavily
- Households spending $1,500+/month on grocery + dining
- TD existing customers wanting integrated travel rewards
- NEXUS members appreciating the rebate
✗ SKIP IF
- Aeroplan loyalists (use TD Aeroplan Privilege)
- International shoppers (FX markup)
- Direct-booking travelers (Expedia may be more expensive)
- Foodies who hate category caps
How it compares
We pitted this card against its closest rivals.
How to apply
The eligibility checklist before you hit the application button.
MIN CREDIT SCORE725+ recommended
MIN INCOME$60,000 personal / $100,000 household
OTHER ELIGIBILITYCanadian resident · 18+
DECISION TIME5-7 business days
Editor's verdict
8.2/10
★★★★★
FINAL VERDICT
Solid premium travel card for Expedia bookers.
For households that already book travel via Expedia, the 6x earn = 6% effective rebate is competitive. For Aeroplan loyalists, TD Aeroplan Privilege is better. For FX-free travel, Scotia Passport wins. First Class fits a specific niche: Expedia-heavy travelers wanting TD integration.
Apply for TD First Class ↗User reviews
What current and former cardholders are saying. Aggregated from Trustpilot, Reddit (/r/PersonalFinanceCanada), and our own community comments.
4.0 / 5 ★
432 reviews
Linda K.Vancouver, BC · Feb 2026
★★★★★
Expedia prices sometimes higher than direct booking. Lose value if you have to pay $50 more to book through portal to get 6x. Math doesn't always work.