Want a flexible travel rewards card with points that never expire, annual travel credits, and premium benefits?

The TD First Class Travel Visa Infinite is a premium travel card Canada residents often choose when they want top-tier perks and flexible rewards. Aimed at frequent flyers and big spenders, this card pairs rich travel protections with a headline TD Rewards welcome offer that can jumpstart your next trip.

The current promotion — 165,000 TD Rewards Points — can translate into flights, hotels, and memorable travel experiences when redeemed smartly. For many cardholders, those 165,000 TD Rewards Points represent a fast path to premium seats, multi-city itineraries, or luxury stays that would otherwise cost much more out of pocket.

This article will walk through how the TD First Class Travel Visa Infinite works, from earning points and maximizing the TD Rewards welcome offer to redeeming points for the best value. We’ll cover travel protections, annual fees, application tips for Canadians with strong credit, and how this card stacks up against the best Canadian travel credit cards.

Expect practical strategies to accelerate the bonus, avoid common pitfalls, and compare this premium travel card Canada option to alternatives so you can decide if the upfront fee is worth the benefits.

Credit Card

TD First Class

Earn points on all purchases redeemable for travel Flexible travel redemption with no blackout dates Travel insurance coverage for trips worldwide

Visa Infinite perks including airport lounge access

How to Access You will be redirected to same website

Key Takeaways

• The TD First Class Travel Visa Infinite targets frequent travelers and big spenders.
• The welcome promotion of 165,000 TD Rewards Points can be redeemed for flights and hotels.
• Understanding the TD Rewards welcome offer rules is essential to capture full value.
• This premium travel card Canada option includes travel protections and premium perks that may justify the fee.
• The article will provide hands-on tips to earn, redeem, and compare against the best Canadian travel credit cards.

TD First Class Travel® Visa Infinite Card: The Ultimate Choice for Flexible Travelers*

When it comes to premium Canadian credit cards, TD Bank offers three standout options: the TD® Aeroplan® Visa Infinite Card*, the TD First Class Travel® Visa Infinite Card*, and the TD Cash Back Visa Infinite Card*. While each card serves a different lifestyle, the TD First Class Travel® Visa Infinite Card* stands out for its versatility, travel flexibility, and exclusive perks.

TD First Class Travel® Visa Infinite Card*

Perfect for frequent travellers who value freedom and rewards flexibility, this card offers:

• Rewards: Earn 8 TD Rewards Points per $1 spent on travel booked through Expedia for TD, and 6 points on dining, groceries, and recurring bills.
• Annual Fee: $139.
• Travel Benefits: Includes a $100 annual travel credit, Visa Infinite Concierge, and global lounge access.
• Insurance: Comprehensive travel coverage, including trip cancellation, interruption, and emergency medical insurance.

This card is ideal for those who prefer to book trips their way, whether through Expedia or directly with airlines and hotels, while earning flexible TD Rewards Points redeemable for travel, merchandise, or statement credits.

TD® Aeroplan® Visa Infinite Card*

Best for loyal Air Canada travellers, this card features:

Credit Card

TD Aeroplan

Earn Aeroplan points on all purchases Priority check-in and boarding on Air Canada flights Travel insurance including trip cancellation and medical

Complimentary first checked bag

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• Aeroplan points on every purchase, with accelerated earnings on Air Canada and partner flights.
• Premium Air Canada travel perks like priority check-in and boarding.
• Comprehensive travel insurance.

A perfect choice for those loyal to the Aeroplan ecosystem and Air Canada’s frequent flyer program.

TD Cash Back Visa Infinite Card*

Best for everyday spending, this card offers:

• 3% cash back on groceries, gas, and recurring bills.
• 1% on all other purchases.
• A strong welcome offer and useful insurance coverage for travel and car rentals.

Ideal for cardholders who prefer cash rewards over travel points.

Comparison Table

Conclusion:
The TD First Class Travel® Visa Infinite Card* delivers the best balance between reward flexibility and premium travel benefits. If you want the freedom to book travel your way, enjoy exclusive Visa Infinite perks, and earn high-value TD Rewards Points, this card is the smartest choice for modern Canadian travellers.

Why the TD First Class Travel Visa Infinite stands out

The TD First Class Travel Visa Infinite mixes high earning potential with protections that matter on the road. Cardholders gain access to a flexible TD Rewards program and a package of Visa Infinite perks meant for frequent travellers. This section breaks down TD First Class features, travel insurance TD coverage, and how the card stacks up when you compare travel credit cards Canada.

Overview of card features and benefits

The core appeal includes a solid earn rate on everyday spending and elevated earn rates for travel purchases. The welcome bonus structure and TD Rewards benefits give flexible redemption options for flights, hotels, travel packages, merchandise, gift cards, or statement credits. Enjoy Visa Infinite perks such as travel medical insurance, trip cancellation and interruption, delayed and lost baggage coverage, and emergency assistance.

Added-value features often include purchase protection, extended warranty, concierge services, and exclusive travel offers through TD. Those benefits help offset the card’s annual fee when you use travel protections and rewards regularly.

How it compares to other premium travel cards in Canada

When you compare travel credit cards Canada, look at earn rates, welcome bonuses, annual fees, and travel benefits. Compared with co‑branded airline cards like Air Canada or Aeroplan, TD’s flexible rewards avoid airline lock‑in. TD vs Air Canada and TD vs RBC Avion highlight tradeoffs: airline cards often deliver elite perks with a specific carrier while TD Rewards benefits offer broader redemption freedom.

Scotiabank Passport Visa, CIBC Aeroplan, American Express Aeroplan, and RBC Avion family each present differences in airline transfer partners and lounge access. Some cards link to Priority Pass or airline lounges more directly. TD’s ease-of-use for booking through the bank contrasts with cards that require point transfers to partner airlines for maximum value.

Who should consider this card

The best candidates TD travel card tends to be Canadians who travel multiple times per year and can meet welcome-bonus minimums through normal spending. If you value flexible rewards over airline-specific miles and want robust travel insurance TD and protections included, TD First Class is a strong match.

Who benefits TD First Class are travellers who redeem across various airlines, book different seat classes, and use concierge or purchase protections. The card is less suitable for infrequent flyers, those seeking no-fee cards, or consumers who want deep airline loyalty perks from co‑branded products.

Understanding the welcome offer and bonus: TD First Class Travel Visa Infinite: 165,000 TD Rewards Points

The 165,000 TD Rewards Points offer is a one-time welcome bonus tied to a new TD First Class Travel Visa Infinite account and qualifying spending. This headline promotion usually bundles an initial allotment of points with additional points released after you meet set thresholds. Read the fine print to see whether the total 165,000 figure is paid all at once or in stages under TD welcome offer terms.

Details of the 165,000 TD Rewards Points promotion

Promotions often split large bonuses into an immediate portion plus extra points after hitting targets. The 165,000 TD Rewards Points details will explain which portion posts on approval and which portion requires meeting the TD welcome offer terms. Typical TD bonus points promotion pages list exact thresholds, timing, and any promo code or special link required to qualify.

Minimum spend and time frame requirements

Large offers usually require a minimum spend within a set window. Examples commonly seen include spending a fixed amount within the first three months. Use TD First Class minimum spend language to confirm the exact dollar target and days allowed. Transactions that count toward TD welcome bonus minimum spend normally include purchases and many recurring bills.

Cash advances, balance transfers, returned charges and fees typically do not count. If you miss the spending window you will not qualify for TD bonus, so set calendar reminders to avoid that pitfall.

How the bonus posts to your account

Once your qualifying spend is verified, TD bonus points posting usually follows the TD Rewards posting timeline described in the offer. In many cases points arrive within one or two billing cycles, often after the statement closing date that confirms qualification.

Look for the bonus in online banking under TD Rewards or on your statement where entries show pending or posted TD bonus points posting. Delays can occur for fraud checks or extra review. If points do not appear within the expected TD Rewards posting timeline, contact TD customer service.

Closing or downgrading the card before the bonus posts can forfeit the reward, so keep the account open until you see the full 165,000 TD Rewards Points details reflected in your rewards balance.

How to maximize rewards on everyday spending

Knowing how the TD First Class earn rates work makes a big difference in everyday value. Start by learning the base earn rate and the bonus categories TD Rewards pays higher points for. That helps you focus purchases where they count and accelerate TD Rewards without adding extra spending pressure.

Bonus categories for points accumulation

Typical bonus categories include travel purchases, dining, grocery, gas, and online shopping portals. Check current card terms to confirm exact bonus categories TD Rewards lists and the points per dollar TD card offers in each. Use the card for transactions in those buckets to maximize TD points on everyday bills and outings.

Smart spending strategies to accelerate points

Prioritize the card for the highest payback categories, like travel and dining, to accelerate TD Rewards quickly. Use TD’s online shopping portal and partner offers when available to add extra multipliers on top of base and category rates.

Concentrate household and business expenses on the card when it makes sense. Move grocery shopping, restaurant tabs, and approved business subscriptions from cash or debit to the card. That helps meet TD minimum spend targets while following responsible budgeting.

Watch for temporary promotional boosts to bonus categories. Time big discretionary purchases to match limited-time offers so you get large purchases bonus points when promotions are active.

Using recurring bills and large purchases wisely

Add recurring payments TD accepts — mobile phone, streaming, insurance premiums and some utilities — to the card to steadily accumulate points. Recurring payments TD posts as credit-card transactions count toward your rewards and can help meet TD minimum spend without impulse buys.

Charge planned large purchases, like appliances, home improvements, or flights, to the card to earn a large lump of points fast. Only do this for expenses you already intend to make and can pay off in full. Avoid revolving balances; interest charges often erase the value of rewards.

Verify how merchants code payments. Some automated or ACH-style transactions may not post as eligible purchases for promotions. Confirm with the merchant and monitor posted transactions so points-earning strategies actually work as expected.

Travel perks and benefits for frequent flyers

Frequent flyers value reliable protection and smooth airport experiences. The TD First Class Travel Visa Infinite bundles a mix of travel protections and premium services that aim to cut stress and protect your trip investments. Read on for the insurance details, lounge options, and priority services that come with the card.

Travel insurance coverage included with the card

The card offers core Visa Infinite travel insurance components such as emergency medical coverage, trip cancellation and interruption insurance, delayed and lost baggage coverage, and flight delay insurance. Rental car collision and loss damage insurance is typically included for vehicle rentals charged to the card.

Coverage often requires that the cardholder pay for all or part of the travel with the card to trigger benefits. Limits, waiting periods, and exclusions apply, so consult TD First Class insurance coverage documents for exact thresholds and claim procedures.

Age restrictions and residency rules can affect eligibility. Keep proof of coverage, receipts, and policy numbers while traveling. File claims quickly and follow TD’s claims process to avoid delays when using TD travel insurance or Visa Infinite travel insurance Canada benefits.

Airport lounge access and partner benefits

Lounge access TD First Class may include a complimentary or discounted Priority Pass Canada membership, Plaza Premium lounge credits, or select airline lounge privileges. Guest policies vary; some memberships allow a limited number of complimentary guests per visit.

Access can be automatic or require online enrollment, depending on the current TD program. Cardholders should check whether visits per year are capped and how to present the card for entry to airport lounges TD and partner spaces.

Beyond lounges, the card often opens doors to hotel and rental car partner benefits. Expect preferred rates, exclusive offers via TD partners, and occasional upgrades or discounts for bookings made through select travel channels.

Priority services and travel protections

Visa Infinite protections deliver extras such as priority boarding, priority check-in, and expedited ticketing with certain airlines and partners. These travel priority services can save time and reduce lines during busy travel periods.

Emergency support features include 24/7 travel and emergency assistance lines, concierge services, emergency card replacement, and possible emergency cash advances. Travel assistance TD teams help coordinate care, claims, and logistics when you need help abroad.

Purchase protections like purchase assurance and extended warranty safeguard travel gear—cameras, luggage, and electronics—when charged to the card. These protections complement TD travel insurance and Visa Infinite travel insurance Canada coverages for a more complete safety net.

Redeeming TD Rewards points for maximum value

Picking the right redemption route can boost your TD point value. Travel redemptions generally score highest, with flights and hotels giving stronger cents-per-point than merchandise or statement credits. Small choices add up when you aim for the best redemption TD points.

Below are practical ways to use points, the trade-offs to expect, and quick rules of thumb to help you decide between booking through TD or moving points to a partner program.

Best ways to redeem for flights and hotels

Booking travel through the TD Rewards portal is simple and avoids transfer steps. You can redeem TD Rewards hotels or redeem TD Rewards flights directly in one place. This route often has no blackout dates set by external programs.

Transferring to airline partners can unlock outsized value for international premium cabins. Known TD transfer partners and TD Rewards airline partners change from time to time. When transfers line up with saver award space, you can beat portal pricing by a wide margin.

Understanding transfer partners and point values

Transfer ratios and processing times vary by partner. Some transfers post instantly, while others take days. Always check the partner program before moving points; delayed transfers can cost a prized seat or room.

Use this quick math to compare options: estimate the TD point value in cents per point, then compare the cash price. If a transfer gets you a premium cabin at 2.5 to 3+ cents per point, that often beats portal redemptions.

Other redemption options: merchandise, gift cards, statement credits

Merchandise, gift cards TD Rewards, and TD statement credit are handy when you need flexibility. Use gift cards TD Rewards for small purchases or to avoid a time crunch. Statement credits clear balances fast but usually give the weakest TD point value.

Promotions sometimes lift the value of non-travel redemptions. Watch for limited-time offers before spending points on electronics or home goods.

Practical tips to maximize value

• Search for saver-level award seats and book early for the best redemption TD points outcomes.
• Use points on high cash fares, last-minute trips, or premium cabins to improve cents-per-point.
• Compare portal pricing against transfer possibilities before moving points to TD transfer partners.
• Factor in transfer times and potential fees; don’t transfer if availability isn’t confirmed.
• Reserve merchandise or gift cards only when convenience outweighs lower value from TD Rewards merchandise redemption.

These steps help you pick redemptions that match your travel goals while protecting TD point value. Keep habits simple, track opportunities, and prioritize travel redemptions when aiming for the best overall value.

Fees, rates, and real cost considerations

Before you sign up, check the current TD First Class annual fee on TD’s disclosure. The sticker price can be offset by the card’s travel insurance, lounge access and the welcome bonus. Use real redemption values to see if the premium card cost-benefit works for your travel habits.

How to justify credit card fee

Calculate annual savings from lounge visits, insured trip cancellations, and the welcome offer. For example, if lounge access alone saves $200, travel insurance replaces a $300 policy, and points redemptions net $500 in flights, the math can show a clear path to covering the TD First Class annual fee.

Interest and cash terms

Be aware of TD interest rates for purchases and cash advances. Purchase APR and cash advance APR differ and cash advances often start accruing interest immediately. Paying your balance in full every month preserves reward value and avoids interest that erodes benefits.

Foreign and ATM costs

Confirm whether a foreign transaction fee TD applies to purchases made abroad. Many Canadian cards charge about 2.5% on foreign transactions. Check ATM fees Visa Infinite for out-of-network withdrawals. Cash advances usually attract higher fees and immediate interest. Avoid using cash advances if you chase points.

Waivers, promotions, and timing

Look for TD fee waiver options or promotional rates TD during select campaigns. A first-year TD fee waiver can shift the break-even point in your favor. Verify promotional terms before applying so you know whether a temporary waiver or reduced fee applies.

When to cancel or downgrade

Don’t cancel before the welcome bonus posts. If the premium card cost-benefit fades, consider a downgrade to a no-fee TD card to preserve credit history. Closing a card can affect your credit utilization and length of credit history, so plan steps to maintain credit health if you decide to cancel TD card.

Run simple scenarios based on your average travel and spend. Compare expected annual point redemptions and insured value against the TD First Class annual fee to decide if the card fits your wallet. Small, regular checks keep the choice aligned with changing travel patterns.

Eligibility, application process, and approval tips

Getting a TD Visa Infinite card starts with meeting standard premium-card expectations. Lenders expect a strong credit history and stable income. Residency in Canada with a local address and a Social Insurance Number speeds verification. If you want to apply TD First Class, know the basics before you begin.

Who qualifies in Canada

Visa Infinite-level products usually require good to excellent credit. Ask whether your credit score required TD meets that threshold before you apply. Some issuers list an income benchmark. The income requirement Visa Infinite Canada often sits in the mid-to-high range, though exact figures vary by applicant and branch. Minimal outstanding delinquency helps your case.

Documentation and steps to apply

Gather required documents TD before starting. Typical items include government-issued ID, your SIN, recent pay stubs, a letter of employment, or recent tax returns. Proof of banking history can help too. You can complete the TD Visa Infinite application online, call a TD representative, or visit a branch for in-person help. In-branch applications let advisors review documents on the spot.

Timeline and tracking

Some applicants receive instant approval when submitting a complete TD Visa Infinite application. Other cases go to manual review, which can take a few business days. TD usually provides a reference number so you can track status by phone or in the branch.

Improve approval odds

To improve credit card approval odds Canada, reduce outstanding balances and correct any credit-report errors. Add documented income where allowed, such as a spouse’s income, and avoid multiple credit inquiries in a short span. Building longer credit history and maintaining on-time payments raises your chances.

If you are declined

When you receive a declined application TD, request the reason in writing. Check Equifax and TransUnion for issues and correct inaccuracies. Consider applying for a lower-tier card to build history, then reapply. Many applicants find success by waiting a few months, improving their profile, and then reapply TD card, ideally with additional documentation or an in-person meeting.

Practical checklist

• Confirm TD First Class eligibility and current income requirement Visa Infinite Canada with TD.
• Assemble required documents TD: ID, SIN, proof of income, banking statements.
• Decide between online, phone, or branch application based on complexity of your file.
• Take steps to improve credit score required TD before applying to improve approval odds.
• If declined application TD, get the reason, fix issues, and consider reapply TD card after improvements.

Safety features and account management

Protecting your TD First Class Travel Visa Infinite starts with built-in Visa Infinite security features and TD fraud protection. Those systems watch for unusual activity 24/7 and pair machine learning with human review to catch anomalies fast. If you suspect unauthorized charges, freeze the card in the TD app and report the issue to TD immediately to invoke zero-liability protections.

Emergency situations get fast support through emergency card replacement TD services. TD can arrange expedited replacements when you travel and provide emergency cash advances when needed. Keep contact and travel details current so help arrives without delay.

Fraud monitoring and quick response

Enroll in real-time alerts to spot odd transactions as they post. Turn on push or SMS notifications inside TD mobile banking features, enable two-step verification where available, and review statements weekly. These steps cut the window for fraud and make TD fraud protection more effective.

Mobile tools for spending and rewards

The TD app rewards tracking tools let you monitor balances and redeem points through the TD Rewards portal. Use TD app rewards tracking to track TD points, view recent transactions, and access budgeting features that categorize spend automatically. That makes it simple to spot errors and optimize rewards.

Managing authorized users and controls

Adding family members is easy when you add secondary cardholder TD or set up an authorized user TD. Primary cardholders can control limits, cancel a supplementary card, and monitor authorized-user activity from the card controls TD app. Most authorized-user spend posts to the main account, helping to accumulate points faster but increasing the primary cardholder’s liability.

When you add secondary cardholder TD, confirm any fees and review how rewards and responsibility are shared. Use card controls TD app to set practical spending caps and receive alerts for each transaction. Regular reviews keep your account secure and your points growth on track.

Real-world examples and case studies

This section shows practical ways to use 165,000 TD Rewards points. You will see sample itineraries, anonymized member stories and clear calculations to help with your points-to-dollar TD Rewards math.

Sample itinerary — transatlantic business class:

Round-trip business class from Toronto to London on Air Canada via the TD travel portal. Cash fare today: about CAD 5,200. Points required through TD portal: roughly 130,000. That leaves 35,000 points for a hotel or short domestic flights. Use the formula (cash fare ÷ points required = cents per point). Example: 5,200 ÷ 130,000 = 0.04 CAD or 4.0 cents per point TD. This falls above typical benchmarks and shows a high-value redemption.

Sample itinerary — multiple domestic round-trips:

Three economy round-trips: Toronto–Montreal, Toronto–Vancouver, Calgary–Edmonton. Combined cash cost about CAD 1,200. Points needed via portal: ~80,000. Remaining points cover hotels or car rental. Calculation: 1,200 ÷ 80,000 = 0.015 CAD or 1.5 cents per point TD. This is a solid use when you want multiple trips instead of one premium cabin booking.

Hybrid itinerary — flight + hotel package:

One international economy flight plus a five-night midrange hotel in Paris. Cash equivalent roughly CAD 2,400. Points needed via portal or package: ~95,000. That gives ~0.025 CAD or 2.5 cents per point TD, good value when packages include bundled savings.

Member story — family vacation to Europe:

A Toronto family booked two economy seats to Amsterdam and a four-night hotel stay. They used the welcome bonus to redeem 165,000 points through the TD travel portal and paid taxes out of pocket. They booked early and saw the full bonus post within the expected timeframe. Their TD cardholder stories note that booking six months ahead lowered taxes and produced better seat choices.

Member story — upgrading to premium cabin:

A Vancouver couple used 165,000 points to secure one business class round-trip and one economy seat. They combined points with a modest cash top-up to access a premium fare class. Their TD Rewards redemption stories emphasize flexibility: transfer partners were useful for upgrades, while the portal worked for straightforward redemptions.

Travel card case studies — strategy comparisons:

Two approaches appear often. One redeems points for premium international travel to maximize cents per point TD. The other spreads points across several economy trips to increase total trips taken. Travel card case studies show high-value single redemptions return 2.5–4.0 cents per point TD. Multiple short trips often yield 1.0–1.8 cents per point TD.

Simple points-to-dollar TD Rewards calculations:

Use this formula: cash fare ÷ points required = cents per point TD. Typical benchmark ranges for TD redemptions are 0.6¢–1.5¢ CAD per point for everyday redemptions. Premium or last-minute flights can push value above 2.0¢–4.0¢ CAD per point.

Practical tips from TD cardholder stories:

• Monitor point posting timelines so you can plan redemptions when inventory opens.
• Book early for the best seat availability and lowest cash taxes.
• Compare the TD travel portal with transfer partners to decide the best cents-per-point TD outcome.
• Combine points with out-of-pocket payments when necessary to hit premium cabins or flexible fares.

Use the sample TD Rewards redemptions above to test your own scenarios. To estimate value, run a quick TD points value calculation using current fares. If you want to redeem 165k TD points, compare several itineraries and record the points-to-dollar TD Rewards conversion that fits your travel style.

Alternatives to consider and when to choose them

Before you decide, compare rivals and match card strengths to your habits. Look at co-branded airline cards from Air Canada and WestJet, flexible-bank options like American Express Aeroplan, RBC Avion, and Scotiabank Passport. These cards often offer other big welcome bonuses and distinct transfer partners. Weigh welcome bonus size, transfer ecosystems, annual fee, travel insurance, and lounge access when choosing.

Other Canadian travel cards with competitive welcome offers

Air Canada and WestJet co-branded cards tend to reward frequent flyers with airline perks and checked-bag credits. American Express Aeroplan and RBC Avion focus on flexible transfers that work with many partners. Scotiabank Passport gives a low-fee alternative with strong foreign transaction policies. Track current promotions because competitive travel card Canada offers change fast across issuers.

When a no-fee or low-fee card makes more sense

Not everyone benefits from a premium card. If you travel rarely or your annual spend is low, no-fee travel cards Canada or a low-cost option may be wiser. Low fee card benefits include lower carrying cost and small perks that still cover essentials like basic travel insurance or limited lounge passes. Choose when to pick no-fee card if the yearly perks don’t offset the annual fee.

Combining multiple cards to optimize rewards

Use a credit card strategy multiple cards to assign roles. Keep the TD First Class Travel Visa Infinite for big category bonuses. Add a no-fee or co-branded airline card for groceries, gas, or airline status. This lets you maximize points across cards while avoiding stacked annual fees.

Rotate primary use to avoid overlapping expensive cards. Assign each card a clear job: one for travel bookings, one for everyday spending, and one as a backup to preserve credit history. When you apply, monitor sign-up windows so you can combine travel cards Canada without triggering too many hard inquiries. That keeps flexibility while chasing other big welcome bonuses.

Use simple tracking to manage bonus clocks and annual fee dates. Run a quick cost-benefit check after applying benefits and fees to confirm your plan still makes sense. This approach helps you find alternatives TD First Class that fit your life and improve long-term value.

Conclusion

This TD First Class summary shows the card’s main strength: a large welcome bonus and strong travel perks that reward frequent flyers. The 165,000 TD Rewards Points final thoughts point to real value when you can meet the minimum spend and redeem for high-value flights or hotel stays.

Who benefits most is clear: travelers with good credit who can plan purchases to hit the required spend without overspending. If you value lounge access, robust travel insurance, and premium redemptions, this card can pay off. Ask yourself: is TD First Class worth it based on your travel habits and redemption goals?

Key action items are simple. Review the current TD offer terms, set a responsible spending plan to meet the minimum spend, and track when points post. Compare alternatives, read TD’s official fee and insurance details, and use the strategies in this article to maximize returns before applying.