Wednesday, November 24, 2021

Less than two weeks left to grab the best ever offer on the TD First Class Travel Visa Infinite Card

Another heads up post here about a credit card offer ending soon. I know over the past few months we've provided some last minute warnings that the issuers end up changing on us and said offers don't actually end but that's not the case here. Based on our experience we have never seen TD do this and they stick to the new offerings. Thus if you have been considering the TD® First Class Travel® Visa Infinite* Card you'll want to make that decision soon on whether to get it or not.

First, let's recap what this current best ever offer is that will end on December 5, 2021:

Welcome Offer

Get a full Annual Fee Rebate† for the Primary and Additional Cardholders† (a value of up to $170) for the first year and up to 100,000 TD Points† (a travel value of up to $500 when you book travel purchases through ExpediaForTD.com) as follows:

  • Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card†.
  • 80,000 TD Points when you spend $1,000 within 90 days of Account opening†.
  • To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. †

This is one of the easier welcome bonuses to achieve since you only have to spend $1,000 in those first 90 days or about ~$334 per month.  This offer is not available for residents of Quebec. For Quebec residents, please click here

Card details

If you aren't very familiar with this card, it is TD's flagship proprietary rewards cards which earns points into the TD Rewards program. Those points can then be redeemed for travel in two ways either via ExpediaForTD or against any travel you book on the card, for education payments, cash back, merchandise, gift cards and more. The earn rates are as such

  • Earn 3 TD Points for every $1 you spend on Purchases made using your Card †
  • Earn 9 TD Points † when you book travel online through Expedia® For TD †
  • Your TD Points don’t expire as long as you are a TD First Class Travel Visa Infinite* Cardholder

The best redemption options in order of value are the ExpediaForTD travel redemption, then there is a tie between the book travel with anyone redemption option and for redeeming for education with HigherEdPoints.

Here's a quick glance at those top three options:

ExpediaForTD Redemption

The 100,000 points can be redeemed towards $500 in travel via ExpediaForTD. Basically the way it works is you login to your TD Rewards account and navigate to the ExpediaForTD site select the travel you want to book and when it comes time to pay you can it all with points if you have enough points or pa for part with points and the rest with cash if you don't have enough points to cover the entire amount. You can also choose to pay for the entire booking with your TD First Class Travel Visa card and earn 9 points per dollar for doing so. When you do redeem your points via ExpediaForTD you will redeem at a rate of 200 points towards $1 of that purchase. If you have only 20,000 points and are booking $1,000 of travel  you can redeem those points to get $100 off and only $900. That's the beauty of these proprietary programs.

Book any way travel redemption

This is the option where you get to go out and book travel with anyone - whether it's directly with an airline, a hotel, a car rental agency, cruise line or numerous other travel options and once the charge for that company shows up on your statement you can redeem points against it. The points redemption for this option is as follows:

  • 250 points = $1 in travel savings for the first $1,200 of any Book Any Way travel redemption request; and
  • 200 points = $1 in travel savings for any amount that is over $1,200 for the same Book Any Way travel redemption request. 

With this option those 100,000 points are worth $400 towards any travel. As you can see the book any way travel redemption doesn't provide as big of value as the ExpediaForTD redemption but in the grand scheme of it all it is still a pretty good option in terms of value and more importantly in flexibility. You have up to 90 days after the transaction posts to your account to redeem against it.  


HigherEdPoints redemption

The next really good redemption option with TD Rewards and this card specifically is redeeming your points towards education. This is one that a lot grandparents and parents of older children have taken note of. You can redeem your TD Rewards points for a HigherEdPoints certificate which you then cash in via  the HigherEdPoints website who will then make a payment to the institution of your choosing. This includes student loan providers in select provinces. 

  • 62,500 points = $250 HigherEdPoints certificate

With this option those 100,000 points are the equivalent of $400 worth of education payments. $400 is an example only of the value as you have to redeem in 62,500 point increments for HigherEdPoints so you could just transfer 62,500 points or wait until you get to 125,000 points for $500 in certificates. Learn more about HigherEdPoints here.

🎙Listen in: Rewards Canada podcast Episode 53 - Interview with Suzanne Tyson, founder of HigherEdPoints 🎙

Wrapping it up

The TD First Class Visa Infinite Card has been TD's sleeper card for a few years now as the bank has put a lot of focus into their Aeroplan card portfolio but it is one that shouldn't be forgotten. Especially so with this current welcome bonus offer that is worth up to $500. Remember since the card has a limited time first year annual fee rebate attached to it that the 100,000 welcome bonus points come to you at no cost outside of the actual spend! And maybe, just maybe, TD paid attention to our article "It's time for TD to update their TD First Class Travel Visa Infinite Card" where we put it out there that the card is due for a revamp so if even if you get it now perhaps it will become even better in the near future!

Click here to apply for the TD First Class Visa Infinite Card

 
If you are wondering about other TD credit cards we'll just state what we usually do in that if we don't write about it you can assume the offers will stay the same or get better. Stay tuned. 

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