The TD First Class Travel® Visa Infinite* card is one of the finest credit cards out there for people who thoroughly enjoy their travels and are looking to make the most out of the rewards they earn. A primary advantage of this card is a well-thought-out package of services that meets the needs of travelers and includes a valuable points system, travel insurance, and an annual credit for travel.

Another advantage of the card is focusing on sustainability because the card is produced from 90% of the post-consumer recycled plastic, meeting the consumer’s trends and expectations for eco-friendly products.

Key information about the TD First Class Travel® Visa Infinite* card

The TD First Class Travel® Visa Infinite* card has a range of features that make it a great fit for Canadians who qualify for the card. The cost of making such a card is $139 per annum and comes with a good number of travel privileges and an even better rewards package.

The interest rate of the card is twenty per cent. 99% for purchases and 22%. Also, if the client needs, the additional cardholder could be provided for $50, while the other cardholder included in the account with no additional fee.

How does the annual fee work?

The TD First Class Travel® Visa Infinite* card attracts an annual fee of $139, which is quite reasonable given the many privileges that users receive. But, for the record, there is a special promotion that takes this card to a whole new level of appeal. At the moment, one is free from paying the annual fee for the first year after opening the card account.

How is the credit limit determined?

The available credit limit is calculated considering the credit scores, income and other factors associated with the applicant for the use of the TD First Class Travel® Visa Infinite* card. As for this specific card, TD needs its customers to have minimum annual income of $60000 for individual applicants or $100000 for joint applicants.

Credit card benefits 

• TD rewards points: Earn 8 TD Rewards Points for every $1 spent on travel booked through Expedia® For TD, 6 TD Rewards Points for every $1 spent on groceries and dining, 4 TD Rewards Points for every $1 spent on recurring bill payments, and 2 TD Rewards Points for every $1 spent on other purchases.
• Welcome bonus: Earn up to 75,000 TD Rewards Points in the first year, which can translate into significant savings or luxurious travel experiences.
• Birthday bonus: Receive an additional 10% of the TD Rewards Points earned in the past year, up to 10,000 points, as a birthday reward.
• $100 annual travel credit: Cardholders receive a $100 travel credit when booking through Expedia® For TD, which can be used once a year.
• Extensive travel insurance: The card comes with comprehensive travel insurance, covering everything from trip cancellation to emergency medical services.
• No travel blackouts: There are no blackout dates or seat restrictions when redeeming TD Rewards Points for travel, offering flexibility and convenience.

TD rewards program

One of the main advantages of the TD First Class Travel® Visa Infinite* card is its rather powerful points-based TD Rewards Program. It awards and can be redeemed in almost any way, making the card one of the most free-form and useful. From making a restaurant reservation through the Expedia® For TD or renting a car, to booking a flight or paying a bill, cardholders earn points at a good pace.

Disadvantages

• High income requirement: The card requires a minimum annual income of $60,000 or a household income of $100,000, making it inaccessible to some individuals.
• High-interest rates: With a 20.99% interest rate on purchases and 22.99% on cash advances, the card can be costly if balances are not paid off in full each month.
• Annual fee after the first year: After the first year’s fee waiver, the $139 annual fee may be a drawback for some cardholders, especially if they do not maximize the card’s benefits.

High income requirement

The other disadvantage of the TD First Class Travel® Visa Infinite* card is that it is quite expensive, and you need to be paid a lot to sign up for this card. It is not a card to which everyone has access since it costs $60,000 minimum personal income or $100,000 of household income. This requirement may eliminate persons who are involved in managing their own businesses or such people who are in positions with changing income levels.

Who can apply for this card?

To apply for the TD First Class Travel® Visa Infinite* card, applicants must meet the following criteria:

• Other requirements: Applicants should ensure that their credit history is in good standing, as this will be a significant factor in the approval process.
• Residency: Applicants must be Canadian residents.
• Age: Applicants must be of the age of majority in their province or territory of residence.
• Income: Applicants need a minimum annual personal income of $60,000 or a household income of $100,000.
• Credit score: A good to excellent credit score is typically required for approval.

How to apply for the TD First Class Travel® Visa Infinite* card

Online application process

To apply for the TD First Class Travel® Visa Infinite* card, one does not need to visit the bank; the application can be done through the internet. The process starts with the TD Canada Trust website and clicking through to the credit cards. There, potential applicants can choose the TD First Class Travel® Visa Infinite* card and start applications.

By using this online form, one will be demanded to disclose his/her name, address, and income statement. The information you give has to be precise because this information is going to be used to determine your qualification. Once you have submitted the application, you will obtain an instant feedback as to whether you have been approved.

In-Person application

For those who would like a more traditional service, one can schedule a meeting at one of the TD branches. Visiting one of the branches, one can talk to banking specialist, who can give necessary recommendations and assist in filling the application.

It is most suitable for somebody who might have a complicated financial status or someone who will prefer to go through all the necessities in an application process. The TD First Class Travel® Visa Infinite* card is the perfect card for any Canadian traveler who wants more out of their rewards and added perks.

This is not only good because of the generous rewards, trip extras and insurance but as a measure of value especially in the first year membership. It is however, wise to think about that income prerequisite and the cost that will be incurred in the course of applying for the card.