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Home / Canadian Credit Cards / TD Travel Credit Cards in Canada / TD First Class Travel® Visa Infinite* Card
TD Travel Credit Cards in Canada
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TD First Class Travel® Visa Infinite* Card
- Annual Fee $139
- Interest: Purchases 20.99%
- Interest: Cash Advances 22.99%
- Additional Cardholder 2 $50
$50 for the first Additional Cardholder; $0 for subsequent Additional Cardholders.
- $60,000 personal or $100,000 household annual income.
- You are a Canadian resident and are of the age of majority in your province/territory of residence
Limited Time Offer
Earn up to $1,000 in value 18 including up to 115,000 TD Rewards Points, no Annual Fee for the first year 1 and additional travel benefits. Conditions Apply. Account must be approved by January 3, 2024.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
- Earn 95,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
- Earn a Birthday Bonus of up to 10,000 TD Rewards Points 22 .
- Get an annual TD Travel Credit 23 of $100 when you book at Expedia ® For TD.
- Get a free 12 month X Uber One membership (that's $120 in value 18 ).
- Get an Annual Fee Rebate for the first year 1 .
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by January 4, 2024.
At a glance
Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.
Your Card also allows you to enjoy:
- An annual TD Travel Credit 23 of $100 when you book at Expedia ® For TD.
- TD Rewards Birthday bonus 22 that helps you celebrate in style.
- An extensive suite of travel insurance coverages which helps you travel prepared.
- No travel blackouts 5 , no seat restrictions 5 and no expiry 25 for your TD Rewards Points as long as your account is open and in good standing.
- Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .
Chosen best Visa credit card for flexible travel rewards by MoneySense in 2023 #1 .
Every Purchase Counts
Earn 8 TD Rewards Points 19
for every $1 you spend when you book travel through Expedia® For TD 6
Earn 6 TD Rewards Points
for every $1 you spend on Groceries and Restaurants 20
Earn 4 TD Rewards Points
for every $1 you spend on regularly recurring bill payments set up on your Account 20
Earn 2 TD Rewards Points
for every $1 you spend on other Purchases made using your Card 21 plus earn an annual Birthday Bonus 22 of up to 10,000 TD Rewards Points
Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)
† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.
†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.
Credit Card Reward Perks
Use TD Rewards Points at Expedia For TD
Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.
Earn more at Starbucks
Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.
Use TD Rewards Points at Amazon.ca
Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
Save $120 in value with Uber One
Get a free Uber One membership for 12 months with your TD First Class Travel® Visa Infinite* Card. Conditions apply. Offer ends May 23, 2024.
Redeem your TD Rewards Points how you want, for what you want
Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .
More Card Benefits and Features
Td rewards program benefits.
TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.
- Go Places on Points Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3 your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 : You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
- Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
- Financial Rewards Pay With Rewards: Redeem TD Rewards Points to help pay down your credit card balance.
Explore the travel benefits and insurance coverages included with your Card:
- $100 TD Travel Credit 23 Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
- Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
- Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
- Common Carrier Travel Accident Insurance 10 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
- Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
- Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
- Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
- Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool .
- Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.
Review the Benefit Coverages Guide for more details.
Additional Benefits & Features
- Earn big rewards on the little things. Earn 50% more TD Rewards Points and 50% more Stars at participating Starbucks stores. You can also turn Points into morning coffee by redeeming your TD Rewards Points for Stars at Starbucks. Simply link your TD First Class Travel Visa Card to your Starbucks® Rewards account. Conditions apply. Learn more .
- TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply. Learn more .
- Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14 in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14 internationally, on qualifying car rentals at participating Avis and Budget locations.
- Use Apple Pay or Samsung Pay wherever contactless payments are accepted - These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.
Visa Infinite Benefits
- Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
- Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
- Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
- Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
- Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
- Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ® Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
- Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
- Chip & PIN technology: TD Visa * Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
- Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
- Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
- Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile. Learn more .
- Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card. Learn more .
- Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call 1-866-315-9069 or visit tdcanadatrust.com/BP .
- Option to purchase TD Auto Club Membership 16 and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
Frequently asked questions
Why should you get a travel rewards credit card.
Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.
How do you earn TD Rewards Points?
Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ® for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite * Cardholder.
How do you redeem TD Rewards Points?
Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.
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Annual interest rates, fees and features are current as of September 6, 2023 unless otherwise indicated and subject to change.
- $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
- $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
- $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
- $120: The value up to $120 could be earned in the first 12 months of an Uber One membership, based on the value of $9.99 plus applicable taxes for the monthly cost of an Uber One subscription times 12 months.
- Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
- Additional Bonus of 95,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $475);
2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.
3 TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.
4 The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.
5 Subject to carrier/space availability.
6 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
7 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.
8 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
9 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.
10 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
11 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.
12 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.
13 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.
14 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.
15 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.
16 TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .
17 Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.
19 Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
20 Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”). Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
21 Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
22 The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.
23 In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:
• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.
24 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.
®Assurant is a registered trademark of Assurant, Inc.
25 TD Reward Points do not expire as long as you are a Cardholder.
26 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.
X COMPLIMENTARY UBER ONE MONTHLY MEMBERSHIP TERMS AND CONDITIONS
This offer is only available to (each, an “Eligible Card” ): (i) those cardholders of the TD ® Rewards Visa * Card, TD ® Platinum Travel Visa * Card, TD ® First Class Travel Visa Infinite * Card and TD ® Business Travel Visa * Card, with an account that is open with active charging privileges and is not lost, stolen, closed or fraudulent, and (ii) those cardholders of a TD Access Card with Visa Debit* that is not lost, stolen, closed or fraudulent and where such TD Access Card with Visa Debit* is linked to a new TD Unlimited Chequing Account, TD All-Inclusive Banking Plan, TD Every Day Chequing Account or TD Student Chequing Account (each, a "TD Chequing Account"), opened between May 23, 2023 and May 23, 2024. Cardholders who already have a TD Chequing Account as of May 23, 2023, or cardholders who had a TD Chequing Account that was closed on or after May 23, 2022 are not eligible for this offer. The list of Eligible Cards may be amended at any time without notice.
To participate in this offer, a cardholder of an Eligible Card (an “Eligible Cardholder” ) must enroll ( “Participating Cardholder” or “you” ) any time prior to 11:59 PM EDT, May 23, 2024 (the “Enrollment Window” ). Attempted enrollment outside the Enrollment Window will not qualify for a Complimentary Uber One Membership. Eligible Cardholders that have an existing active auto-renewing Uber One membership qualify and may enroll in this offer. Once enrolled in the Complimentary Uber One Membership, a Participating Cardholder will not be charged the monthly membership fee for their Complimentary Uber One Membership for up to 6, or 12 consecutive months (as shown in their offer) (the “Complimentary Membership Benefit Window” ). If a Participating Cardholder has an existing active auto-renewing Uber One membership at the time of enrollment in the Complimentary Uber One Membership, then such Cardholder’s Complimentary Uber One Membership will commence as of the first day of next billing cycle for the existing Uber One membership.
To enroll in this offer, an Eligible Cardholder must: (i) download or update to the latest version of the Uber App or Uber Eats App; (ii) once the app is downloaded or updated, the Eligible Cardholder must sign into their existing Uber account or sign up to create a new account; (iii) during the Enrollment Window, add an Eligible Card (or already have an Eligible Card) as the method of payment in their Uber Account; (iv) be presented with the Complimentary Uber One Membership offer in the Uber App or Uber Eats App; and (v) signify acceptance of the offer by following the activation instructions accompanying the offer. Once these steps are fully completed, such Eligible Cardholder will be enrolled as a Participating Cardholder in the Complimentary Uber One Membership (currently $9.99/month membership fee plus applicable taxes) for the applicable Complimentary Membership Benefit Window. For avoidance of doubt, Eligible Cards added to an Eligible Cardholder’s Uber account through a third party such as Apple Pay or PayPal will not qualify and will not be eligible for the Complimentary Uber One Membership offer
Once enrolled, a Participating Cardholder will receive a Complimentary Uber One Membership up to the applicable Complimentary Membership Benefit Window (as shown in your offer) beginning on the date of enrollment in the offer. To receive the Complimentary Uber One Membership benefits more fully described on the Uber One landing page, you must use the Eligible Card used to enroll in the offer for purchasing eligible deliveries or trips in Canadian cities where Uber Eats or Uber Rides is available. It may take up to 48 hours for the Complimentary Uber One Membership to be available for use after enrollment.
When you enroll in this offer, you understand that Uber One is an automatic monthly renewal subscription and, until canceled by you, will automatically renew each month in accordance with the Terms and Conditions for Renewable Passes and agree that, at the end of your applicable Complimentary Membership Benefit Window, the selected payment method in your Uber App or Uber Eats App will be auto-billed at the then current Uber One Rate (currently $9.99/month plus taxes membership fee), and will continue to be auto-billed at the then current Uber One Rate until you elect to cancel your Renewable Membership. This means that at the end of your applicable Complimentary Membership Benefit Window Uber will collect the then current Uber One Rate (currently $9.99/month plus taxes membership fee) by charging the selected payment method that Uber has on record in the Uber App or Uber Eats App for you without notifying you, unless notification is required by applicable law. You may confirm the date of your renewal within the Account Management Hub of the Uber One section in the Uber App or Uber Eats App. If you want to cancel your membership, you may do so within the Account Management Hub of the Uber One section in the Uber App or Uber Eats App up to 48 hours before your next scheduled payment. If you want to cancel within 48 hours of your next scheduled payment, please contact Uber support.
If you choose to opt out of your Complimentary Uber One Membership prior to the end of your Complimentary Membership Benefit Window by turning off the auto-renew functionality in the Uber App or Uber Eats App or if you cancel or remove your Eligible Card from your Uber account, your Complimentary Uber One Membership will be canceled at the end of the current month of your Complimentary Membership Benefit Window.
If you transfer to another Eligible Card, your Complimentary Uber One Membership subscription offer may change. If you transfer to another Eligible Card or your Eligible Card expires or is replaced, or your card details change during your Complimentary Membership Benefit Window, you may need to remove your previous payment card and add your new Eligible Card details to continue enrollment in the Complimentary Uber One Membership. If your payment card details change and you do not update your new Eligible Card details prior to your next billing cycle, you will be unenrolled from Complimentary Uber One Membership. Once you update your card details in the Uber App or Uber Eats App, you will need to re-enroll to continue your Complimentary Uber One Membership. The offer will still expire at the end of the original Complimentary Membership Benefit Window from the date you first enrolled in this offer.
If you add a new Eligible Card to your Uber App or Uber Eats App during the Enrollment Window, you will still only have access to one (1) Complimentary Uber One Membership per account and the offer will still expire at the end of the original Complimentary Membership Benefit Window from the date you first enrolled in this offer.
Eligible Cardholders are only entitled to receive this offer on one Uber account. If an Eligible Card is added to multiple Uber accounts, only the first Uber account to which the Eligible Card is added will be eligible for the offer. You will only be entitled to one Complimentary Uber One Membership.
To learn more about Uber One, please visit the Uber One landing page .
#1 As awarded by MoneySense on February 1, 2023. Learn more by visiting: https://www.moneysense.ca/spend/credit-cards/best-visa-credit-cards-in-canada/
® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.
* Trademark of Visa International Service Association; Used under license.
© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.
Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks” ).
If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.
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The TD First Class Travel Visa Infinite Card and its travel insurance benefits
First, it is very important to read the most recent version of the TD First Class Travel Visa Infinite Card Benefits Coverage Guide .
They can change at any time and it is your responsibility to be aware of these insurance benefits .
If you have any questions, please contact TD Customer Service at 1-866-374-1129 . It is strongly recommended that you call them before booking travel with your card and before you leave on your trip.
Travel insurance coverage is only available to :
- Primary cardholder
- Spouse and dependent children of the primary cardholder
- Additional cardholder
- Spouse and dependent children of the additional holder
In addition, the card account must be in good standing . This means:
- The Primary Cardholder has not asked TD to close the Account
- TD has not suspended and revoked credit privileges or closed the account
To make it easier to understand the insurance coverage of its credit cards, TD has put together an interactive tool on travel insurance . In 6 questions, you can quickly find out if you qualify or not, when you pay in full for the trip in cash.
TD First Class Travel Visa Infinite Card Description
Travel medical insurance.
The maximum benefit for emergency medical care is $2,000,000. To be eligible, you only need to have the card, as per the Eligibility section above. This includes the following inclusions:
- Physician’s fees
- Private nursing
- Diagnostic services
- Ambulance and air ambulance services
- Prescription drugs
- Accidental dental and emergency relief of dental pain
- Medical Appliances
- Emergency return home
- Transportation to the bedside and compensation for the bedside companion
- Compensation for the travel companion
- Meals and accommodation
- Incidental hospital expenses
- Vehicle return
- Repatriation of deceased
- Baggage return
Trip cancellation and trip interruption insurance
To receive the benefits of this insurance coverage, the full cost of your trip must be paid with your ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card and/or TD Rewards points.
A trip cancellation occurs before departure .
A trip interruption occurs on or after the departure date when the trip has begun .
Eligible reasons may be:
- The death of an insured person or an immediate family member
- A sudden, unexpected illness or accidental injury to a person or a member of his or her immediate family
- A natural disaster at the insured person’s principal residence
- Weather conditions during the trip
Common Carrier Travel Accident Insurance
To be eligible for this insurance, you must:
- Privileges under your account have not ceased or been suspended
- The account is not more than 90 days past due
- And the TD credit card must be in good standing
A common carrier is a land, air or water conveyance that is authorized to carry passengers for compensation. This can be a :
- Ferry or Cruise ship
- Bus or Train
- Cab or Limousine
If there is an accidental death or dismemberment, the maximum benefit is $500,000 .
Delayed and Lost Baggage Insurance
In order to benefit from this insurance, the credit card must have been used to pay 100% of the airfare .
Flight and travel delay insurance
To benefit from this insurance, at least 75% of the cost of your trip must be charged to the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card .
The reason for the delay may be due to weather, an outage or a strike for example.
This flight or travel delay insurance can be up to $500 , for a delay of 4 hours or more .
Hotel/Motel Burglary Insurance
This is for hotel and motel reservations in Canada and the United States only. At least 75% of the total cost of the stay must be charged to the card. The use of TD Rewards points is also valid under certain conditions.
The maximum amount is $2,500 .
Collision and damage insurance for rental vehicles
- Pay for the car rental at the rental agency with the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card MD (payment with TD Rewards points is accepted, under certain conditions).
- Refuse to purchase the Collision Damage Waiver (CDW ) or an equivalent coverage from the rental agency and have it written into the contract
The car rental covers up to 48 consecutive days and the manufacturer’s suggested retail price (MSRP) of the car must be under $65,000 . Some types of vehicles are not insured.
Purchase Assurance and Extended Warranty Protection
Purchase insurance covers items purchased with the ® Visa Infinite* Card" href="https://milesopedia.com/en/credit-cards/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card for 90 days from the date of purchase . If the item is lost, stolen or damaged, it will be replaced or repaired with this insurance.
Extended warranty protection extends the manufacturer’s warranty up to one year . It begins after the manufacturer’s warranty expires and the item must be purchased with the Card.
Mobile Device Insurance
Did your new smartphone or tablet have a major accident and stop working? Mobile device insurance can come to the rescue, up to a maximum of $1,000 in reimbursement!
To qualify, at least 75% of the total cost of the device must be charged to the TD First Class Travel Visa Infinite Card. Under certain conditions, insurance is also eligible if the total cost of the device is financed through a plan with monthly payments .
Emergency travel assistance services
It is not really an insurance, but rather a help to solve a problem during a trip in unknown land. They do not offer payment or refunds. They are more of a medical second opinion or will tell you what to do if you don’t know what to do when you are in total panic.
The phone number is 1-800-871-8334 for Canada or the United States. Or if you are in another country: 1-416-977-8297 (collect).
This phone line can be useful for the following situations:
- Medical consultation and follow-up
- Medical emergency travel and medical referrals
- Payment to medical service providers
- Assistance in case of lost luggage
- Legal assistance
- Replacement of lost tickets and documents
- Translation Services
- Emergency transfer of funds
What to do if you have an insurance claim with the TD First Class Travel Visa Infinite Card
You must call 1-866-374-1129 , within the time frame following the date the event occurred.
In summary, here are the various insurance coverages of the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card :
In addition to all this insurance to prevent inconvenience, the ® Visa Infinite* Card" href="https://milesopedia.com/en/go/td-first-class-travel-visa-infinite-card-qc/" rel="noindex">TD First Class Travel ® Visa Infinite* Card has a very profitable welcome offer from TD Bank .
With all these points, you can afford to get a stay that will not cost much. This is in addition to his annual TD Travel Credit of $100 for Expedia for TD bookings of $500 or more.
To save on travel and insurance, this is a secret card to have in your wallet!
All posts by Caroline
TD Travel Rewards Review : The Credit Cards Worth It?
Looking to earn cashback on your next travel adventure? See if TD's set of travel credit cards are worth the wait! From first class cash back visa cards to travel points, find out if TD travel rewards are worth investing in.
Amanda is a travel blogger and writer who helps others have one-of-a-kind traveling experiences through her helpful and informative pieces. She likes to discover hidden gems and travel on a strict budget while getting close to nature and the different cultures in every country she visits. When she isn’t writing about travel, she enjoys writing about education, sustainability, and technology.
Booking travel is easier than ever, now that everything can be done online, and deals on hotels and flights are in more demand daily. But, to simplify things, whether you want to jet set to Europe or backpack Southeast Asia, TD Travel Rewards can help get you there.
With the vast number of travel rewards programs on the market, it can be confusing to determine which ones you should sign up for and which ones to avoid. How do you know if TD Travel Rewards is right for you? Read on to learn the ins and outs of TD Travel Rewards in this handy guide!
Suppose you are a Canadian resident who holds a TD credit card. In that case, you might be eligible for the TD Travel Rewards program. Even if you aren't a TD customer, applying online and getting started is very easy.
Customers with an eligible TD card can earn points and redeem them for travel through their online portal, partnered with Expedia. Are TD travel points worth it, and are they right for you? Find all your answers and more in this all-inclusive guide!
What Are TD Travel Rewards?
TD Travel Rewards is a rewards program that allows credit card holders to earn points on every purchase. Some TD credit cards specifically earn travel rewards, while some earn cash-back points that can be used for almost anything. Each set of cards has its own travel-specific benefits as well.
Can Non-Canadian Citizens Apply for a TD Travel Rewards Card?
TD Travel Rewards Credit Cards and cash-back cards are only available to Canadian residents and citizens over the age of 18. If you aren't a Canadian resident or citizen, there are plenty of US travel credit cards to choose from!
Some US travel cards require you to be a US citizen or resident. However, American Express Travel Cards allow applicants from selected foreign countries, making it a flexible option, perfect for digital nomads.
How Do TD Travel Points Work?
TD Travel Rewards points are easy to use and redeem online for exciting and unique travel benefits. Here is a breakdown of how the travel and cash-back rewards cards work.
- Apply online for a TD Travel Rewards credit card or the cash-back credit card you choose.
- Earn rewards or cash back on all your everyday purchases, from your morning latte to your weekly groceries shop.
- Once you have earned enough points, you can redeem them online for flights or hotels with TD-specific deals on Expedia.
- Points can also be used at any travel agency or website.
How Much Are the Points Worth?
TD Travel Rewards points can be used instead of cash and can only be redeemed online in increments of 200. 200 travel rewards points are worth $1.
How Do I Book A Trip?
The best way to redeem TD Travel Reward Points is by booking through Expedia. Using Expedia gives you 0.5 cents per point, one of the best value for redeeming rewards. Here is how to redeem TD Travel Rewards using Expedia.
- Head to Expedia for TD 's portal.
- Sign in to your account.
- Choose which travel rewards you want, like hotels, flights, or cruises.
- Book as usual and pay with your points!
What About Cash-Back Credit Cards?
TD cash-back dollars are earned with every purchase using your TD cash-back credit card. Depending on which card you have, you can earn between 1-3% cash back on your everyday purchases.
Your cash-back dollars can be used for any purchase through the TD app or online, including travel-related purchases! You could also splurge and get a new Monos luggage set or help fund the flight for your Europe trip .
How Can I Redeem TD Cash-Back Dollars?
If you have a credit card that gives you cash-back dollars, you can also redeem those for travel rewards! Cash-back dollars can be redeemed online in increments of $25. Here's how to redeem TD cash-back dollars.
- Log in to your My TD Rewards in the app or online.
- Select the Pay With Rewards page.
- Start shopping!
- Enter the amount you want to redeem.
- Confirm and pay for your purchase.
Travel Rewards Credit Cards
TD has 4 Travel Rewards credit cards with different reward levels to choose from. Here's a breakdown of each card.
TD First Class Travel Visa Infinite Card
This is the highest level of Travel Rewards credit cards that TD has to offer. It's an excellent option for those looking for a card with luxury and regular travel benefits.
Annual Fee: $139
Cash Advance Interest: 22.99%
Additional Cardholder Fee: $50
Minimum Income to Apply: Single income of 60K or household income of 100k
- Bonus 20,000 TD Rewards Points after your first purchase.
- Birthday bonus of up to 10,000 points.
- Points can be redeemed for eGift cards, education credits, or cash credits.
- 8 points for every $1 when booking through Expedia.
- 6 points for every $1 spent on groceries and restaurants.
- 4 points for every $1 spent on recurring bills.
- 2 points for every $1 spent on all other purchases.
- $100 travel credit when booking through Expedia.
- No travel blackouts or limitations whatsoever.
- Extra deals on rentals with Avis Car Rentals Rent-A-Car and Budget Rent-a-Car.
Exclusive Travel Benefits
- Exclusive benefits when booking with Visa Infinite Luxury Hotel Collection.
- Access to special events with The Visa Infinite Dining Series.
- Benefits at over 95 participating wineries in famous wine regions of Canada and the US.
- Golf and entertainment benefits.
- Emergency travel assistance.
- Lost baggage.
- Car rentals.
- Flight delay or cancellation.
- Medical travel.
- Trip delay or cancellation.
TD Business Travel Visa Card
This travel card is perfect for business-minded travelers, with great perks for running your business.
Annual Fee: $149
Additional Cardholder Fee: $49
Minimum Income to Apply: None
- Welcome bonus of 30,000 points after your first purchase.
- 60,000 points if you spend $2,500 in monthly purchases for the first year.
- Annual fee rebate after the first year.
- Points can be redeemed for anything, like eGift cards or cash credits.
- TD card management access helps you manage business expenses.
- 6 points for every $1 spent on foreign currency, restaurant, and recurring bill payments.
- Earn 9 points when you book travel through Expedia.
- No travel blackouts or limitations, whatsoever.
- Extra deals on rentals with Avis Car Rentals Rent-A-Car and Budget Rent a Car.
- Travel medical.
- Trip delay or cancellation.
- Auto insurance.
TD Platinum Travel Visa Card
This TD travel card is excellent for travelers who only need some of the luxury perks of the top-tier travel card or the business-focused perks.
Annual Fee: $89
Additional Cardholder Card Holder Fee: $35
- Welcome bonus of 15,000 points after your first purchase.
- 35,000 points when you spend $1,000 within 90 days of opening an account.
- 6 points for every $1 when booking through Expedia.
- 4.5 points for every $1 spent on groceries and restaurants.
- 3 points for every $1 spent on recurring bills.
- 1.5 points for every $1 spent on all other purchases.
TD Rewards Visa Card
This lowest-tier travel card is an excellent way to budget yet still earn travel points, even on a budget!
Annual Fee: $0
Additional Cardholder Fee: $0
- Cellphone insurance of up to $1000 if you lose or damage your phone.
- 4 points for every $1 when booking through Expedia.
- 3 points for every $1 spent on groceries and restaurants.
- 2 points for every $1 spent on recurring bills.
- 1 point for every $1 spent on all other purchases.
Cash-Back Credit Cards
TD has 2 cash-back credit cards, each with distinct advantages and different levels to choose from. Here's a breakdown of each card.
TD Cash Back Visa Infinite Card
Additional Cardholder Card Holder Fee: $50
- No annual fee for the first year.
- Cellphone insurance.
- 3% cash-back on groceries and gas.
- 1% cash-back on all other purchases.
- Cash-back dollars can be used for any purchases.
- Emergency Road Services with Deluxe TD Auto Club Membership.
TD Cash Back Visa Card
Cash Advance Interest: 29.99%
Additional Cardholder Card Holder Fee: $0
- 1% cash-back on groceries and gas.
- 0.5% cash-back on all other purchases.
- Cash-back dollars can be used on any purchases.
Is TD Travel Rewards Worth It?
For travelers looking to earn fantastic points and significant cash-back percentages with TD's top-tier travel cards, it's definitely worth it! The top-tier TD Travel Rewards card gives an important point-to-spending ratio, and insurance coverage that's handy on the road. This card also has attractive luxury travel benefits.
Travelers looking to save money and still get great benefits might want to weigh their other options and compare TD with other travel cards. Although the lower tier cards have $0 in annual fees, they give less than a point-to-point spending ratio. That said, any travel card earning points is better than no points at all.
Our Rating: 4.1/5
- Lots of price point options for different card levels.
- Budget cards are available.
- Top-tier cards have excellent insurance coverage.
- Low-tier cards only have a few benefits and only give a few points.
- Minimum income required for top-tier cards.
- Top-tier cards need a high minimum spend to earn bonus points.
Plan Your Next Trip With Pilot!
Now that you've learned how to save and earn travel points with TD Travel Rewards cards, let Pilot help you figure out the rest of the journey!
Disclosure : Pilot is supported by our community. We may earn a small commission fee with affiliate links on our website. All reviews and recommendations are independent and do not reflect the official view of Pilot.
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- Freelance travel blogger and writer
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TD First Class Travel Visa Infinite Card review 2022
This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.
With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com.
If you’re planning a trip, the card’s current welcome offer could be the deciding factor. You can earn up to 115,000 TD Rewards points. Conditions apply. Account must be approved by January 3, 2024.
- See cards tailored for you from over 12 banks and card issuers
- No impact to your credit score
- Get an answer in under 60 seconds
Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite card becomes a solid choice for avid travellers. It’s for these reasons it was also named best travel Visa in 2022 .
The TD First Class Travel Visa Infinite*
The td first class travel visa infinite.
- Three things you need to know about the TD First Class Travel Visa Infinite
- How to redeem your TD Rewards
- What are the best ways to benefit from this card?
- Are there any drawbacks to the TD First Class Travel Visa Infinite?
4 things to know about the TD First Class Travel Visa Infinite
1. the you earn points under the td rewards program.
T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class card might be more up your alley.
2. Your points go farther when you book with ExpediaForTD.com
If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1.
3. The card comes with a generous welcome bonus
You can earn up to 115,000 TD Rewards points. Conditions apply. Account must be approved by January 3, 2024.. Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD.
4. You’ll get great travel insurance
The TD First Class Travel Visa Infinite card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).
How to redeem your TD Points:
You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).
Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending.
In both cases, the TD First Class Travel Visa Infinite card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel.
Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.
How to optimize the TD First Class Travel Visa Infinite card
Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal.
If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.
Does TD First Class Travel Visa Infinite have travel insurance?
Are there any drawbacks to the td first class travel visa infinite card.
There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category.
Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).
Finally, the TD First Class Travel Visa Infinite card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks.
TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.
More on credit cards :
- Canada’s best travel cards 2022
- Canada’s best credit cards for gas
- Canada’s best credit cards for grocery purchases 2022
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One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?
I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.
So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.
I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.
This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.
I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022
This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.
We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.
I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,
I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?
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TD Rewards Visa Card benefits
- No annual fee (when applying by May 31, 2020)
- Earn 2,500 TD Rewards points when you make your first purchase
- Earn 2,500 TD Rewards Points in each of the first 3 months when you spend a minimum of $250 per month, up to a total of 7,500 TD Rewards Points
- Earn 3 TD points per $1 spent when you book on Expedia for TD
- Earn 2 TD points per $1 spent on grocery, restaurant, fast food, and recurring bill payments
- Earn 1 TD Point per $1 spent on all other purchases
- Purchase security and extended warranty
- Discount on Priority Pass membership
- Discounts at Avis and Budget Rent-A-Car
TD has been changing around their sign up bonus lately with the current promotion being 2,500 points after your first purchase and then another 2,500 points for the first three months when you spend a minimum of $250 each month. This promotion is a bit better than the old one since it requires less spending, but it’s still more complicated than it needs to be.
The regular earn rate is 3 TD points per $1 spent on Expedia for TD; 2 points per $1 spent on grocery, restaurant, fast food, and recurring bill payments; and 1 point for everything else. Considering this is a no-fee card, that’s a respectable rate of return, but hardly the best.
You do get purchase security which protects your purchases from loss, theft and damage for 90 days, as well as extended warranty protection which doubles your manufacturer’s warranty up to one additional year.
Getting a discount on a Priority Pass membership is nice if you travel, but if lounge access is important to you, you’re better off getting a credit card with lounge access . Finally, you get a small discount of 10% at Avis and Budget Rent-A-Car in Canada and the U.S.; and 5% off international locations.
How the TD Rewards Visa Card compares to others
Generally speaking, I consider all no-fee, entry-level travel credit cards to be similar as they all have pretty much the same benefits and earn rate. That said, the TD Rewards Visa Card does earn you extra points when you book through Expedia for TD which can be valuable. Each TD point has a value of 5 cents when booking through Expedia for TD, so that means you’re getting 1.5 cents in points for every dollar spent on Expedia for TD.
TD Rewards itself is a decent loyalty program. It doesn’t offer anything fancy, but it’s easy to understand which is why people love it. As mentioned, Expedia for TD gives you the best value for your points, but you can still use your points for any type of travel but it’ll cost you 250 TD Rewards points to claim $1 in travel which works out to 0.4 cents per point.
Once you start earning a higher personal or household income, you should consider upgrading to the TD First Class Travel Visa Infinite Card or one of the best travel credit cards in Canada .
My TD Rewards Visa review is positive. It’s nowhere close to being a great travel credit card, but for what it is, it’s decent. If you’re looking for a no-fee travel credit card that doesn’t have a high income requirement, then this card might be a good fit for you.
About Barry Choi
Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi
The Card is good but the TD rewards site is completely useless. Please DO NOT order anything from the TD rewards mall or gifts. Nothing happens. When you order something to redeem your points, you receive a notification that your order was received and thats it. Nothing else happens, one month later nothing, status is “order received”. Completely useless for a company the Size of TD and VISA honestly? This is an embarrassment to both brands. Oh wait, there is a toll free number. As I write this I am waiting on hold for support at TD-rewards and the time is now 55 minutes and still listening to the on-hold music… Awesome!! great job everyone.
I have waited a month with nothing happening with what I have ordered as well. Lately cannot get through on the phone either. Spent 4 hrs waiting with no one responding. After 55 minutes it would send me to voicemail. I left a message and no one has called me back. TD is usually great but this is absurd.
Finally got a call back. Interesting timing. It would appear that the item is back ordered.
DO NOT get this card. If it is stolen and fraudulently used, you may find yourself out of luck. And getting through to anyone who can help is frustrating beyond description. Good luck finding any information regarding appeals process either. I had several credit and debit cards stolen from my vehicle last July. TD Bank debit card blocked attempted fraudulent use of that card and for two other credit cards (one USAA bank card and one Home Depot store card) I was reimbursed fraudulent charges. TD Bank Card services, however, is still trying to make me responsible for the fraudulent charges (totaling over $1100) despite me having provided them with police case number and other information related to the theft. They are basically accusing me of fraud by saying the card was in my possession when used.
Have had multiple issues with the travel reward site. 1st problem is that all the prices are more expensive than if you book through the regular expedia site. 2nd getting any kind of support, even automated support, may be possible but not likely very helpful and certainly not prompt.
Claims of rewards are grossly overstated in my opinion.
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TD Visa Canada Travel Insurance Coverage: What You Should Know
Traveling can be unpredictable, and unexpected events such as medical emergencies, trip cancellations, or lost baggage can derail your plans. With TD Visa Canada travel insurance coverage, you can protect yourself from financial losses and travel with peace of mind.
In this article, we’ll cover everything you should know about TD Visa Canada’s travel insurance coverage, including what it includes and how to make a claim. Here we covered:
TD Visa Canada: Understanding your travel insurance coverage
- What to know about TD Visa Canada’s emergency medical coverage
- Trip cancellation and interruption insurance with TD Visa Canada
TD Visa Canada: Coverage for lost or stolen baggage
- TD Visa Canada: Coverage for accidental death and dismemberment while traveling
- How to file a travel insurance claim with TD Visa Canada
If you’re a TD Visa Canada cardholder, you may have travel insurance coverage included with your card. Understanding your coverage can help you feel more confident and prepared when traveling.
TD Visa Canada travel insurance coverage typically includes benefits such as emergency medical and dental coverage, trip cancellation and interruption insurance, baggage and personal effects coverage, and more. However, it’s important to understand the specific details of your coverage, as well as any exclusions or limitations that may apply.
To understand your coverage, start by reviewing your cardholder agreement and the insurance certificate that was provided to you when you received your card. Pay attention to details such as the coverage amounts, coverage periods, and any deductibles that may apply. You can also contact TD Visa Canada customer service or the insurance provider directly for more information.
It’s important to note that travel insurance coverage may have limitations or exclusions based on factors such as your age, health, and the specific details of your trip. For example, if you’re traveling to a country with a travel advisory in effect, your coverage may not apply.
To ensure that you’re fully covered, consider purchasing additional travel insurance coverage if your TD Visa Canada coverage is limited or doesn’t meet your needs. You can also take steps to minimize your risk while traveling, such as staying aware of your surroundings and taking precautions to protect your personal belongings.
Overall, understanding your TD Visa Canada travel insurance coverage can help you feel more prepared and confident when traveling, giving you peace of mind to enjoy your trip to the fullest.
Also Read: Best Affordable Health Insurance For International Students In USA
What To Know About TD Visa Canada’s Emergency Medical Coverage
When traveling abroad, it is crucial to be aware of your health insurance coverage. TD Visa Canada offers emergency medical coverage that you should know about before embarking on your trip.
This coverage provides financial protection in the event of a medical emergency while traveling outside your home province. It can help cover expenses such as hospitalization, doctor fees, and prescription medications.
To be eligible for TD Visa Canada’s emergency medical coverage, you must be under 65 years old and have no known medical condition. The coverage is also subject to certain limitations and exclusions, so it’s important to read the fine print and understand the terms and conditions.
It’s essential to have proof of coverage with you at all times while traveling. TD Visa Canada provides a wallet-sized insurance card that you can carry with you. If you need medical attention while traveling, contact the emergency assistance service number on the card to get assistance and be directed to the appropriate medical facility.
It’s also important to note that TD Visa Canada’s emergency medical coverage is not a substitute for regular health insurance. It only provides coverage for medical emergencies that occur while traveling outside your home province.
Before traveling, it’s always a good idea to review your coverage and ensure that you have adequate protection for your trip. If you have any questions about TD Visa Canada’s emergency medical coverage, contact their customer service for assistance.
In summary, TD Visa Canada’s emergency medical coverage can provide peace of mind while traveling abroad. Just be sure to read the terms and conditions, carry proof of coverage with you, and understand the limitations and exclusions.
Also Read: How To Get The Best Ski Insurance For Your Next Trip
Trip Cancellation And Interruption Insurance With TD Visa Canada
TD Visa Canada offers trip cancellation and interruption insurance coverage to protect against unforeseen circumstances that may disrupt travel plans. This coverage includes reimbursement for non-refundable trip expenses in the event of a covered illness, injury, or death of the insured or their family member.
This also includes other covered reasons such as flight cancellations or delays, job loss, or severe weather. TD Visa Canada’s trip cancellation and interruption insurance coverage typically extends to travel-related expenses such as transportation, accommodations, and tours, and may also cover expenses related to pre-existing medical conditions.
To qualify for this coverage, travelers must have purchased their trip with their TD Visa Canada card, and the coverage typically extends to the cardholder, their spouse or common-law partner, and dependent children traveling with them.
The coverage may vary depending on the specific TD Visa Canada card held, so it is important to review the terms and conditions of the coverage before purchasing a trip or making travel arrangements.
In the event of a covered trip cancellation or interruption, the insured must contact TD Visa Canada’s insurance provider as soon as possible to initiate a claim and provide documentation of the covered reason for the cancellation or interruption. The insurance provider will then review the claim and reimburse the insured for eligible expenses up to the maximum coverage amount.
Overall, TD Visa Canada’s trip cancellation and interruption insurance provides peace of mind and financial protection for travelers who may face unexpected disruptions to their travel plans. It is important to review the specific terms and conditions of the coverage to understand what is and is not covered and to ensure that the coverage meets the traveler’s needs.
When traveling, the last thing anyone wants to deal with is lost or stolen baggage. Fortunately, TD Visa Canada provides coverage for such incidents. The coverage for lost or stolen baggage will depend on the type of TD Visa card and plan that the cardholder has. Generally, coverage may include reimbursement for clothing, toiletries, and other essential items that were in the lost or stolen baggage.
For instance, the TD First Class Travel Visa Infinite Card provides up to $1,000 in coverage for lost or stolen baggage per insured person on the trip. Additionally, it provides up to $500 for delayed baggage. This coverage is provided when the cardholder pays for the full cost of their travel arrangements with their TD Visa card.
Similarly, the TD Platinum Travel Visa Card provides up to $1,000 in coverage for lost or stolen baggage per insured person on the trip, as well as up to $500 for delayed baggage. The coverage is also provided when the cardholder pays for the full cost of their travel arrangements with their TD Visa card.
It is essential to note that there are limitations and exclusions to TD Visa Canada’s baggage coverage. For example, coverage is limited to a specific amount per item, and there may be restrictions on the types of items that are covered. Additionally, some items, such as sports equipment, may require additional coverage or have specific limitations.
In summary, TD Visa Canada provides coverage for lost or stolen baggage for eligible cardholders. It is crucial to review the specific details of the coverage provided by your TD Visa card and plan to understand the limitations and exclusions of the coverage.
TD Visa Canada: Coverage For Accidental Death And Dismemberment While Traveling
TD Visa Canada provides coverage for accidental death and dismemberment while traveling to ensure you’re protected in the event of a tragic incident. This coverage pays out a benefit to you or your beneficiaries in the event of an accident that results in your death, loss of limbs or eyesight.
The coverage typically applies while you’re on a common carrier, such as an airplane or cruise ship, and may also apply while you’re in transit to and from the airport. It’s important to note that this coverage is not a substitute for life insurance but rather an additional layer of protection to help ease the financial burden on you or your loved ones.
Be sure to review your policy’s terms and conditions to understand the specific coverage limits and exclusions. If you have any questions or concerns about your TD Visa Canada travel insurance coverage, contact their customer service team for assistance.
Remember to keep a copy of your policy and contact information for TD Visa Canada’s emergency assistance provider with you while traveling to ensure you have access to help if needed.
Travel Insurance For USA Citizens Traveling To Canada: Here Is All You Need To Know Travel Insurance Policy: 13 Key Facts You Must Know Today
How To File a Travel Insurance Claim With TD Visa Canada
Filing a travel insurance claim can be daunting, but it doesn’t have to be with TD Visa Canada. If you have a travel insurance policy with TD Visa Canada and need to make a claim, the process is simple and straightforward.
To begin, you need to contact TD Insurance by phone or online and provide them with all the necessary information regarding your claim. This includes your policy number, travel dates, and a description of the incident that led to your claim.
TD Insurance will then review your claim and request any additional information if necessary. Once your claim is approved, TD Insurance will provide you with the necessary forms to fill out and submit. You will also need to provide any relevant documentation, such as medical bills, receipts, or police reports.
It is essential to ensure that you provide all the required information and documentation promptly to avoid any delays in processing your claim. Once TD Insurance has received all the necessary information, they will process your claim and provide you with the appropriate compensation based on the terms of your policy.
With TD Visa Canada, filing a travel insurance claim is a simple and hassle-free process that ensures you get the support you need when you need it the most.
Rental Car Collision/Loss Damage Coverage with TD Visa Canada
If you’re planning a road trip, it’s essential to ensure that you have the necessary rental car coverage to protect you and your travel companions from any unforeseen events. With TD Visa Canada, you can take advantage of their Rental Car Collision/Loss Damage Coverage, which offers protection for rental cars in case of theft, damage, or loss.
This coverage provides reimbursement for the cost of repairing or replacing a rental car, up to the maximum coverage amount. It also includes coverage for the loss of use of the rental car, which is the amount charged by the rental company for the days the car is out of service due to damage or loss.
It’s important to note that the coverage is only applicable when the rental car is rented using the TD Visa card, and the rental period is less than 48 days. The coverage is also subject to certain limitations and exclusions, so it’s important to review the terms and conditions of the coverage before renting a car.
To take advantage of the rental car coverage and other travel insurance coverages provided by TD Visa Canada, simply use your TD Visa card to pay for your travel expenses. If you need to file a claim, the TD Claims Assistance Center is available 24/7 to provide you with the necessary assistance and support.
Overall, with TD Visa Canada’s Rental Car Collision/Loss Damage Coverage, you can enjoy your road trip without worrying about the unexpected. Just be sure to review the coverage’s terms and conditions and use your TD Visa card to take advantage of this valuable protection.
Conclusion – 24/7 Travel Assistance Services Provided by TD Canada Travel Insurance
TD Visa Canada offers comprehensive travel insurance coverage, including 24/7 travel assistance services. The travel assistance services provide peace of mind to travelers in the event of an emergency.
With TD Visa Canada, customers have access to assistance for medical emergencies, legal referrals, lost or stolen travel documents, and other travel-related emergencies. The 24/7 travel assistance services also provide language interpretation services to customers who may face language barriers while traveling.
This service is available to TD Visa Canada cardholders whether they are traveling domestically or internationally. In the event of an emergency, TD Visa Canada cardholders can contact the travel assistance services by phone or email.
The travel assistance team is highly trained and experienced in handling emergency situations, and they work to provide customers with prompt and efficient service. The team can also help customers navigate the local healthcare system, find a doctor or hospital, and arrange for medical transportation if necessary.
With TD Visa Canada’s 24/7 travel assistance services, customers can travel with peace of mind knowing that help is always available whenever and wherever they need it.
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How Chase Freedom Unlimited Travel Insurance Works
Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .
A major perk of some travel credit cards is that they provide travel insurance protections for cardholders. As long as you book the travel with the card, you're eligible to file a claim and get reimbursed for unexpected expenses, usually tied to incidents like lost or delayed baggage or trip cancellation or interruptions.
The Chase Freedom Unlimited® is unusual in that it's marketed as a cash back credit card — not a travel card — but it still provides some travel insurance coverage. It also has a $0 annual fee while many travel rewards cards that offer travel protections charge $95 or more.
Here’s what you can expect in terms of Chase Freedom Unlimited® travel insurance, what it covers and what the benefit limits are.
» Learn more: The best travel credit cards right now
Does Chase Freedom Unlimited provide travel insurance?
Yes, the Chase Freedom Unlimited® credit card comes with a few trip protection benefits:
Auto rental collision damage waiver.
To be eligible for coverage, you must have paid for the affected travel with the card, or redeemed rewards from the card toward the cost. For trip cancellation and interruption coverage, your immediate family members are covered, even if they’re traveling without you, as long as you paid with the card.
» Learn more: Trip cancellation insurance explained
Travel insurance benefits and limits on the Chase Freedom Unlimited® card
Chase freedom unlimited® travel insurance benefits, explained, trip cancellation protection.
If your trip is canceled for an eligible reason (listed below), you can recover some prepaid, nonrefundable expenses, including deposit and change fees charged by an airline, cruise line, railroad or other common carrier. To be eligible for trip cancellation coverage, you must pay all or part of the trip cost with the Chase Freedom Unlimited® or the rewards associated with the card.
Trip cancellation coverage maxes out at $1,500 per covered person and $6,000 per trip, so you don’t want to rely solely on the card’s benefits if you're paying more than that for an upcoming trip. (You might want to consider a standalone travel insurance policy if your trip is more expensive.) A trip must not exceed 60 days to be eligible for full coverage.
Cancellation reasons covered under the policy include:
A named storm, such as a hurricane or tropical storm.
Accidental injury or sickness of the traveler or an immediate family member.
Change in military orders for you or your spouse.
Terrorism incidents within 25 miles of the airport.
Travel warnings issued by the U.S. Department of State regarding terrorism.
Things like a change in plans, an onset of a preexisting condition or pregnancy are not covered. For such things, it's best to have a policy from a travel insurance provider that has an option to add a Cancel For Any Reason coverage .
» Learn more: What to know before buying travel insurance
Trip interruption coverage
Trip interruption coverage is similar to trip cancellation protection, except it kicks in once your trip has begun.
In addition to the $1,500-per-person and $6,000-per-trip coverage limits, trip interruption provides up to $250 to cover transportation for you or your family member for necessary medical treatment or to the airport. However, this doesn’t include the cost of medical vehicles. In other words, it will cover, say, a cab or Uber ride to the hospital, but not an ambulance ride.
Trip interruption also covers:
Accidental injury or sickness for you or a member of your family.
Terrorism warnings issued by the U.S. government.
As is the case with trip cancellation, some coverage exclusions apply. For example, if your trip’s purpose is to receive medical treatment, if you injure yourself while intoxicated, fail to obtain a visa or travel to an active war zone, the coverage no longer applies.
Auto rental collision damage waiver
Paying for a car rental with a credit card that offers an auto collision damage waiver allows you to decline the "insurance" offered by the rental agency. The Chase Freedom Unlimited® offers a version of the benefit for rentals not exceeding 31 consecutive days.
The auto collision damage waiver on the Chase Freedom Unlimited® provides "secondary" coverage for rentals in your country of residence and "primary" coverage for rentals abroad. Secondary coverage means you must first go through your personal auto insurance policy, and the credit card coverage kicks in after that (to pay your deductible, for example). Primary coverage means the credit card's coverage comes first, and you don't have to go through your personal policy.
To use the benefit, you must decline the rental car company’s collision insurance and cover the entire cost of the rental with your Chase Freedom Unlimited® card.
The auto collision damage waiver provides reimbursement up to the cash value of the vehicle against theft, damage, loss-of-use charges, administrative fees and towing charges to the nearest body shop. Additional drivers are covered only if they were added to the rental car contract.
Damage to another driver’s car, personal injuries or property damage aren’t covered. Additionally, certain vehicles aren’t eligible for coverage, including:
Trucks (other than pickups).
How do I file a claim?
For trip cancellation and interruption, you have 20 days to file a claim. For auto collision damage, you have 60 days from the date of the incident. In either case, contact the benefits administrator as soon as possible. You can do so online at eclaimsline.com or by calling 888-320-9656 if you’re in the U.S. or call collect at 804-764-1691 if you’re abroad.
For information on how to file a claim or the documents you need to provide, consult the guide to benefits for the Chase Freedom Unlimited® .
What if the card’s benefits aren’t enough?
The Chase Freedom Unlimited® has no annual fee, and its travel insurance benefits come at no extra cost. Those benefits are rather basic, with low coverage limits, so you might want more coverage for big-ticket trips. Do some comparison shopping to find the right mix of coverages, limits and cost.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023 , including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card
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What does Chase Freedom® travel insurance cover?
The Chase Freedom ® family of cards come with several attractive features, such as 1.5% cash back on purchases. But did you know that Freedom cards also come with travel insurance benefits that can help you book a vacation with greater peace of mind?
It's true, common carrier expenses such as a plane ticket or cruise line booking can be reimbursed — if certain covered situations arise that interrupt your vacation or force the cancellation of your reservation. Read on to learn more about these benefits, as well as some important facts to know before you purchase your next vacation using your Freedom card.
Do Chase Freedom credit cards come with travel insurance?
All three currently issued Freedom cards: Chase Freedom Unlimited ® , Chase Freedom Flex ® and Chase Freedom Rise ® offer their cardmembers basic travel insurance covering trip interruption or cancellation. This covers certain ‘‘what if’’ situations that may impact your travel plans, providing reimbursement after a claim is filed and processed.
For the Freedom family of cardmembers, the maximum amount of this reimbursement benefit is up to $1,500 per cardmember, their immediate relative or domestic partner. The maximum reimbursement benefit per trip is $6,000.
In order to be covered, the flight or cruise trip must be paid in full or partially using your Chase Freedom card or accumulated Ultimate Rewards ® . Immediate family members do not necessarily need to be traveling with the Freedom cardmember who booked the trip for the trip interruption or cancellation benefit to apply.
What’s the difference between trip interruption and trip cancellation?
Trip interruption insurance is a form of reimbursement for unused, prepaid and non-refundable travel expenses if a trip needs to be cut short by covered situations that come up during or after departure.
Trip cancellation insurance is a pre-departure benefit that can reimburse trip costs if a traveler needs to cancel their trip altogether due to unforeseeable and non-refundable circumstances.
There can be some subtle differences between the coverage provided in trip interruption versus cancellation insurance-covered situations. For more information, consult your Chase Freedom Guide to Benefits. The following is a summary of some applicable trip interruption or cancellation situations:
What is covered by Chase Freedom’s travel insurance?
The Chase Freedom card may cover trip interruption or cancellation from:
- Hurricanes, tornadoes, or other severe weather either impacting the point of origin or destination of your trip, as well as the airspace or route between the two points, that causes the cessation or cancellation of service by the airline or another type of common carrier, such as a cruise line. This also applies to hotels and resort destinations you may have booked when they are impacted by severe storms.
- Accidental bodily injury , or a severe illness prior to or during a trip that impacts the cardmember traveler, their traveling spouse or domestic partner, or their immediate relative—see cardmember Benefits Guide for details
- An organized strike impacting the common carrier (airline) or public transportation that causes you or your spouse or domestic partner to miss at least 20% of your booked itinerary
- A change in military orders for you, your spouse or domestic partner that requires you to cut short or cancel your trip
What’s not covered by Chase Freedom travel insurance
The following is a short list of common exclusions from Chase Freedom travel insurance:
- Trip interruption and cancellation insurance does not apply to trips lasting more than 60 days
- Trip interruptions or cancellations caused by the financial insolvency of a booked airline, tour operator or travel agency
- Any pre-existing medical conditions are not covered
Please note that these benefits are payable over and above any amount due from valid or collectible insurance, such as a travel insurance policy you may have taken out from an insurance company to insure you trip. Please also be aware that these benefits will not apply if you fail to contact the common carrier such as an airline and address any compensation you may be owed from the airline. Nor do these benefits apply to a voluntary situation when a cardmember accepts compensation in miles from an overbooking airline to take a later flight.
What Travel and Emergency Assistance Services are available to Chase Freedom cardmembers?
Chase through its Benefits Administrator offers a Travel and Emergency Assistance line that can be reached 24 hours a day, 365 days a year. This helpline can assist you with pre-trip information about your destination, such as currency exchange rates and the required visas and immunizations to visit a country. The Travel and Emergency Assistance help line can also assist with certain stressful situations that can arise while traveling in a foreign country, such as:
- Medical referral assistance to hospitals, doctors and dentists
- Legal referral assistance
- Arranging for emergency ground transportation to leave the country
Although the Travel and Emergency Assistance helpline can direct you to legal, medical, dental and transportation providers in the foreign country you are visiting, all costs associated with these services will be your responsibility.
Chase Freedom card coverage benefits for rental cars
The Chase Freedom Auto Rental Collision Damage Waiver (ARCDW) that comes with your Chase Freedom card can reduce some of the stress involved in renting a car, by offering some protection against damage or theft to domestic rental cars. Your cardmember benefit also can provide primary coverage for damage or theft to international car rentals. Note that in order for this coverage to apply, you must waive the rental car company’s own collision damage waiver coverage when reserving your vehicle and picking it up at the rental car counter.
Car rentals that last more than 31 days, as well as high-performance or luxury cars and boat rentals are not covered. Rental car provider, country and vehicle type restrictions apply—see your Guide to Benefits terms and conditions for details.
If there’s been a collision damaging your rental car, please report the damage to the rental car company before contacting the Benefits Administrator.
How to file a Chase Freedom travel insurance claim
If your flight or cruise line trip is interrupted or cancelled, contact the common carrier first to see if they can address the situation first, before contacting the Benefits Administrator.
In order to qualify for these benefits and file a claim for an interrupted or cancelled trip with the Benefits Administrator, you must:
- Take action within 20 days of your trip being cancelled or interrupted, by calling the Benefit Administrator using the number on the back of your card, or logging on to eclaimsonline.com
- Provide the Freedom card statement for the travel expenses charged and any necessary documentation from your trip, such as your travel itinerary, unused or cancelled flight plane tickets or medical treatment records
- Submit all documentation requested by the Benefits Administrator within 90 days of your interrupted or cancelled trip
Final thoughts: What to know before you go
The trip interruption and cancellation insurance coverage that comes with booking holiday travel or vacations using your Chase Freedom card shouldn’t be viewed as a replacement, but as a supplement to any travel insurance policies you may purchase through an insurance company. Researching and purchasing a travel insurance policy is highly recommended if you plan to travel internationally for more than several weeks. Exclusions apply for trips that exceed 60 days duration — see your cardmember Benefits Guide for details.
Knowing that help is just a phone call away can be a relief when you are traveling to an unfamiliar destination or a foreign country. So too can be knowing you have collision damage coverage when renting a car in the U.S. or abroad using your Chase Freedom credit card.
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TD Cash Credit Card: Cardholders can personalize their spending categories to increase their rewards potential
Why we like this card: Custom spending categories make this $0 annual fee card a lucrative option. The only caveat is that you must be an East Coast resident to qualify.
- 0% intro APR on balance transfers
- No annual fee
- Customizable spend categories
- Foreign transaction fee
- Available only to residents of select states
- Small welcome bonus
TD Cash Credit Card: Overview
- Intro: 0% APR for the first 12 billing cycles after account opening. After that, 20.24%, 25.24%, or 30.24% variable
- Purchase: 20.24%, 25.24%, or 30.24% variable
- Balance transfer: 20.24%, 25.24% or 30.24% variable
- Cash advance: 30.49% variable, plus a fee of either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty: penalty APR is not disclosed in the terms and conditions, but there is a fee of up to $40 for late and returned payments
Annual fee: None
Foreign transaction fee: 3% of each transaction in U.S. dollars
The TD Cash Credit Card is a $0 annual fee card that allows cardholders to choose which spending categories they want to earn more rewards in, making it easier to maximize cashback. Every quarter, you can determine which spending categories you want to earn 3% and 2% cash back in, with no cap on the rewards you can earn, unlike similar cards on the market.
While this card offers generous rewards, it’s not available to everyone. To be eligible for the card, you must be located within TD Bank’s footprint. Only residents of these East Coast states are eligible: CT, DE, FL, ME, MD, MA, NC, NH, NJ, NY, PA, RI, SC, VA, VT, and DC.
TD Cash Credit Card: Points
The major perk of the TD Cash Card is that you can personalize the spending categories. Cardholders can choose which categories to earn 3% and 2% cash back every quarter—though the card defaults to 3% cash back on dining and 2% at grocery stores. Plus, you’ll earn 1% back on all other eligible purchases.
You can choose from categories like dining, entertainment, gas stations, grocery stores, and travel.
And for a limited time, cardholders receive a grocery store benefit. You can earn up to 6% cash back for six months from account opening or up to $6,000 in spend. This means you could earn up to $360 cashback.
The grocery offer works like this: Cardholders get an additional 3% cash back on grocery store purchases. If you leave your card on the default 2% cash back at grocery stores, you’d earn 5% cash back. But if you wanted to earn even more rewards, you could make the 3% cashback category grocery stores, and you’d earn 6%.
Does TD Cash Credit Card offer a new customer bonus?
With the TD Cash Credit Card, customers can earn $150 back if they spend $500 within the first 90 days after account opening.
How to redeem TD Cash Credit Card points
Even though this is a cash back card, you earn points instead of cash back, which gives you more flexibility in redeeming your rewards.
One point is worth one cent when redeemed for cash back, gift cards or travel. However, if you purchase merchandise, the redemption value varies.
Receive cash back
To redeem your points for cash back, you must have a minimum of 2,500 points accumulated. You can then redeem for a statement credit or a direct deposit into a checking or savings account at a financial institution in the U.S.
Buy merchandise and gift cards
Through TDRewards.com, cardholders can purchase goods like appliances, electronics, and accessories with their points. You can also use points to buy gift cards from merchants like Apple, Costco, and more.
- Cell phone protection. When you use your card to pay your phone bill, you may be eligible to receive a reimbursement if your phone is stolen or damaged.
- Lost luggage reimbursement. If you use your purchase your airline ticket, you could be eligible for reimbursement up to $3,000 if your luggage is lost.
- Extended Warranty Protection. You’ll get an additional year of coverage on select items you purchase with your card.
- Purchase Security. If you buy an item with your card and it’s stolen or damaged within the first 90 days, you could be eligible for repair, reimbursement, or replacement of the item.
Is the TD Cash Credit Card right for you?
The TD Cash Card is best for cardholders who live within TD’s footprint and who want a $0 annual fee card with spending categories they can choose. You won’t get a huge welcome bonus with this card, but you can get decent rewards.
The card also has a 0% intro APR offer on balance transfers, so if you want to consolidate your credit card debt and score a lower interest rate, this card is a decent option. Cardholders get 0% APR for the first 12 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable
Lastly, since there is a foreign transaction fee, this card is not a good fit if you travel abroad frequently—the 3% on each transaction can add up quickly.
Credit cards similar to TD Cash Credit Card
Cardholders who aren’t eligible for the TD Cash Card have a couple card options to consider: the Bank of America Customized Cash Rewards Credit Card and the Citi Custom Cash® Card.
These are $0 annual fee cash back cards available to customers nationwide. However, both cards have rewards caps, so your rewards earning potential may be limited.
Bank of America® Customized Cash Rewards Credit Card vs. TD Cash Credit Card
The Bank of America Customized Cash offers a larger welcome bonus than the TD Cash but a similar rewards structure compared.
While you’ll have to spend twice as much to earn the bonus, you’ll get $50 more. Bank of America Customized Cash cardholders get a $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening.
However, with the Bank of America Customized Cash, you get less personalization with your spending categories, and you could earn less in rewards because of the spending cap.
Bank of America Customized Cash cardholders earn 3% in a category of their choice, 2% automatic cash back at grocery stores and wholesale clubs, and 1% unlimited cash back on all other eligible purchases.
Unlike the TD Cash card, the rewards you earn in the 3% and 2% categories are capped—you can earn rewards on up to $2,500 in combined purchases each quarter in the choice category and at grocery stores and wholesale clubs. After that, you’ll earn 1%.
One upside of the Bank of America Customized Cash, compared to the TD Cash card is that cardholders get more spending category choices—they can choose between categories like gas and EV charging stations, online shopping, dining, travel, drug stores, and home improvement and furnishings.
Citi Custom Cash® Card vs. TD Cash Credit Card
While the TD Cash and Bank of America Customized Cash cards allow cardholders to choose their spending categories, Citi Custom Cash cardholders don’t have to do any of the work when it comes to figuring out the spending categories—Citi does it for cardholders.
Each billing cycle, Citi Custom Cash cardholders get 5% cash back applied to their top eligible spending category on up to $500 worth of purchases. After that, 1%. Plus, cardholders get 1% back on all other eligible purchases.
The categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.
The Citi Custom Cash also offers a decent bonus, but it does have one of the largest spending requirements. Cardholders can earn $200 cash back after they spend $1,500 on purchases in the first six months of account opening.
Frequently asked questions
Is it hard to get a td cash credit card.
It may be hard for some cardholders get the TD Cash Credit Card—typically, you should aim for a good FICO score of 690 or better to qualify.
Is the TD Cash Card good?
The TD Cash Card is a good card option for cardholders who want a $0 annual fee card with a small welcome bonus and rewards categories they can determine themselves.
How do I increase my credit limit on my TD Cash card?
To request a credit limit on your TD Cash Card, you can call TD card services or apply for one through the TD app.
Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.
Fortune Recommends™ credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.
Capital One Venture Rewards Card Review 2023
Posted: November 30, 2023 | Last updated: November 30, 2023
Our experts answer readers' credit card questions and write unbiased product reviews ( here's how we assess credit cards ). In some cases, we receive a commission from our partners ; however, our opinions are our own. Terms apply to offers listed on this page.
The information for the following product(s) has been collected independently by Business Insider: Citi Premier® Card. The details for these products have not been reviewed or provided by the issuer.
If you want an easy, no-fuss travel credit card , the Capital One Venture Rewards Credit Card - Product Name Only is a great fit. The welcome bonus is worth at least $750 toward travel, and you can easily use miles to get reimbursed for eligible purchases on your monthly statement.
Capital One Venture Rewards Card Review
The Capital One® Venture® Rewards Credit Card is one of the best credit cards for earning travel rewards at a moderate price point. While it does carry a Capital One Venture Rewards Credit Card annual fee (Capital One Venture Rewards Credit Card - Rates and Fees - Editorial Name Only), it offers plenty of value and useful benefits, and it's currently offering a substantial welcome bonus of Capital One Venture Rewards Credit Card.
The Capital One® Venture® Rewards Credit Card's welcome bonus offer is worth $750 in travel when you redeem miles at a fixed rate toward travel purchases — but you could get significantly more value when you transfer your miles to Capital One's airline and hotel partners for award travel.
The Capital One® Venture® Rewards Credit Card earns 5 miles per dollar on hotels and rental cars booked through Capital One travel, and 2 miles per dollar on all other purchases with no spending caps. While you can do better in certain spending categories — such as dining and groceries — with other cards, if you value simplicity, earning at least 2x miles on your spending is a solid solution.
There are some cards that might give you more value, like the Chase Sapphire Preferred® Card — which also has a Chase Sapphire Preferred® Card annual fee — or The Platinum Card® from American Express , which comes with premium card benefits.
Who should consider the Capital One Venture Rewards card?
The Capital One® Venture® Rewards Credit Card is ideal if you're looking for an affordable all-purpose travel rewards card with a strong earning rate on every purchase and a range of redemption options. You can keep it simple and cash in your miles toward travel at a fixed rate, or dive a little deeper into award travel by transferring your miles to partners.
Because the card earns 2x miles on almost all purchases, it's a good choice if you don't want to keep track of bonus categories. And if you want a travel card that covers the main bases as far as benefits go, it's also a solid pick.
Who shouldn't consider the Capital One Venture Rewards card?
The Capital One® Venture® Rewards Credit Card charges a Capital One Venture Rewards Credit Card annual fee (Capital One Venture Rewards Credit Card - Rates and Fees - Editorial Name Only), so if you don't think you'll spend enough on the card or make use of its benefits to offset that cost, you'll likely do better with the card's no-annual-fee version, the Capital One VentureOne Rewards Credit Card . Read our comparison of the Capital One Venture vs Capital One VentureOne to help you decide which is better for you.
This is also not a card to open if you want to use rewards for cash back. While redeeming for cash is an option, you'll get a poor value for your rewards — just 0.5 cents per mile, versus a minimum of 1 cent per mile when you redeem for travel. If cash back is your priority, check out Insider's guide to the best cash-back credit cards for all the top options.
Conversely, if you're looking for upscale benefits like airport lounge access, travel credits, or broader travel protections, you could get a much better deal with the card's premium sibling, the Capital One Venture X Rewards Credit Card . It comes with a more comprehensive suite of perks, and while it charges a Capital One Venture X Rewards Credit Card annual fee (Capital One Venture X Rewards Credit Card - Rates and Fees - Editorial Name Only), it's possible to get significantly more value from the card if you can use its benefits. Here's our comparison of the Capital One Venture and Venture X to help you decide if the higher annual fee makes sense for you.
Capital One Venture Rewards Card Rewards
Capital One Venture welcome bonus
New Capital One® Venture® Rewards Credit Card cardholders can earn Capital One Venture Rewards Credit Card - Intro Bonus. Again, when you redeem your miles to offset travel purchases made with the card or through Capital One Travel, they're worth 1 cent each, making this bonus worth $750 in travel.
However, Insider's points and miles valuations estimate Capital One miles are worth 1.7 cents each, on average, when you transfer miles to airline and hotel partners. That makes the welcome bonus offer worth around Capital One Venture Rewards Credit Card in travel.
How to earn miles with the Capital One Venture
This card offers a no-fuss earning structure. With the exception of 5 miles per dollar on hotels and rental cars booked through Capital One travel, all other purchases earn a flat 2 miles per dollar, with no limits.
How to use Capital One miles with the Venture
Redeeming Capital One miles is easy — much easier than some competing cards, in fact. Once you make an eligible travel purchase, you can redeem miles at a rate of 1 cent each to wipe out the charge through a statement credit within 90 days.
Just use your card to book new travel through any airline, hotel, train, cruise, or travel agency, then reimburse yourself with miles when the transaction posts. Alternatively, you can book new travel through the Capital One Travel portal , which works a lot like most big travel-booking sites online.
You can currently transfer Capital One miles to over a dozen airline and hotel partners, most at a 1:1 transfer ratio:
Capital One transfer partners
- Aeromexico Club Premier (1:1 ratio)
- Air Canada Aeroplan (1:1 ratio)
- Air France-KLM Flying Blue (1:1 ratio)
- ALL - Accor Live Limitless (2:1 ratio)
- Avianca LifeMiles (1:1 ratio)
- British Airways Executive Club (1:1 ratio)
- Cathay Pacific Asia Miles (1:1 ratio)
- Choice Privileges (1:1 ratio)
- Emirates Skywards (1:1 ratio)
- Etihad Guest (1:1 ratio)
- EVA Infinity MileageLands (2:1.5 ratio)
- Finnair Plus (1:1 ratio)
- Qantas Frequent Flyer (1:1 ratio)
- Singapore KrisFlyer (1:1 ratio)
- TAP Air Portugal Miles&Go (1:1 ratio)
- Turkish Airlines Miles&Smiles (1:1 ratio)
- Virgin Red (1:1 ratio)
- Wyndham Rewards (1:1 ratio)
This means Capital One "miles" can be used like flexible points such as Amex Membership Rewards and Chase Ultimate Rewards® — and transferable points can often get you a higher value for your rewards.
You can also use miles for gift cards at the same rate of 1 cent per mile, but don't use your miles for cash-back redemptions. When you do, you only get half a cent per mile in value, which is just not worth it.
Capital One Venture Rewards Card Benefits and Features
The Capital One® Venture® Rewards Credit Card comes with a handful of good benefits, some of which are usually reserved for more premium travel rewards cards like Platinum Card® from American Express. These can help you squeeze even more value out of the Venture Rewards card beyond what you get in rewards.
Global Entry/TSA PreCheck application fee credit
The card comes with up to a $100 credit toward the Global Entry or TSA PreCheck application fee. Global Entry, which fast-tracks your re-entry to the US when you travel abroad, includes TSA PreCheck, so it's the better choice.
Because Global Entry lasts five years, that's effectively a $20 per year value. If you already have a membership, you can use this benefit to pay for someone else's application fee, and you'll still be reimbursed.
Airport lounge access
Capital One recently opened its first lounge at the Dallas-Fort Worth (DFW) airport, with more to come at Washington Dulles (IAD), Denver (DEN), and Las Vegas (LAS) airports.
Capital One® Venture® Rewards Credit Card cardholders receive two one-time Capital One Lounge passes each year. Beyond that, you can purchase extra visits or bring guests at the discounted rate of $45 per person (non-cardholders pay $65 per visit).
In addition, instead of using these two one-time visits at Capital One Lounges, cardholders can redeem them at over 100 Plaza Premium lounges worldwide.
Car rental insurance
Capital One® Venture® Rewards Credit Card cardholders can receive secondary car rental insurance which covers damage due to collision or theft on eligible vehicles when they use the card to pay for the rental. Some vehicles and countries aren't covered, so be sure to read the guide to benefits before you rent.
When you use your Capital One® Venture® Rewards Credit Card to pay for an eligible new item, you can get extended warranty protection which doubles the time period of the original manufacturer's written US repair warranty up to one additional year on eligible warranties of three years or less. Coverage is up to $10,000 per claim and $50,000 per cardholder.
If an item you've bought with your Capital One® Venture® Rewards Credit Card is damaged or stolen within 90 days of purchase, the card's purchase protection can cover you for up to $500 per claim and $50,000 per cardholder.
Lost luggage reimbursement
If you paid for your fare with the Capital One® Venture® Rewards Credit Card and your luggage is lost due to theft or misdirection by the carrier, you could be eligible for coverage of up to $3,000 per trip.
Travel and emergency assistance services
Capital One® Venture® Rewards Credit Card cardholders receive access to a travel and emergency assistance hotline that can help them if they run into problems on the road. It can arrange things like medical and legal referrals, translation services, and lost luggage tracing — but any third-party costs are your responsibility.
The roadside dispatch hotline available to Capital One® Venture® Rewards Credit Card cardholders can help you arrange services like towing, winching, jumpstarting, and fuel delivery for a set fee per service call.
Visa Signature benefits
Because the Capital One® Venture® Rewards Credit Card is a Visa Signature card, it offers additional discounts and benefits, including:
- Visa Signature Concierge (which can assist with things like hard-to-get restaurant reservations or event tickets)
- Access to the Visa Signature Luxury Hotel Collection
- Fine wine and food events
- Shopping discounts at select retailers
- Emergency card replacement and emergency cash disbursement
Exclusive events and dining
Capital One also offers cardholders access to exclusive events, VIP packages, sporting events, and more through its Capital One Entertainment platform. Additionally, Capital One Dining can help you secure hard-to-get restaurant reservations.
The benefits are not the very best you can find in the travel rewards card space, but at the Capital One Venture Rewards Credit Card-annual-fee price point they are pretty good and cover the most common needs for frequent travelers.
If you want the most comprehensive travel coverage for that price, though, the Chase Sapphire Preferred® Card is worth a closer look. Unlike the Venture Rewards card, it offers trip cancellation and interruption insurance that can reimburse you if your travel plans are delayed due to a covered reason. Find out about all your options in our guide to the best credit cards with travel insurance .
Capital One Venture Rewards Card Fees
The main cost of the Capital One® Venture® Rewards Credit Card is the Capital One Venture Rewards Credit Card annual fee. Like other cards, if you don't pay the card off in full every month (you should), you'll pay interest, with a current APR of Capital One Venture Rewards Credit Card - Regular APR (Capital One Venture Rewards Credit Card - Rates and Fees - Editorial Name Only).
Like other cards, charges may apply in certain situations, including:
- Balance transfers
- Cash advances
- Late payments
However, the card doesn't charge foreign transaction fees , so it's a good choice for international purchases.
Compare the Capital One Venture Rewards Card
Capital one venture rewards card frequently asked questions (faq), is the capital one venture rewards card worth it.
If you enjoy redeeming rewards for travel, prefer a straightforward earning and redeeming structure, and like Capital One's transfer partners, the Capital One® Venture® Rewards Credit Card can be well worth it. It's even better if you can use benefits like complimentary Capital One Lounge visits, a Global Entry/TSA PrecCheck credit, and various travel and purchase protections.
While all of this can more than offset the card's annual fee, these perks are only good if you make the most of them — it's not worth paying an annual fee otherwise. Instead, you might consider the no-annual-fee Capital One VentureOne Rewards Credit Card, which offers fewer benefits and a lower earning rate but still offers access to travel redemptions and partners.
Does the Capital One Venture Rewards card provide car rental insurance?
Yes, the Capital One® Venture® Rewards Credit Card comes with built-in car rental insurance. This coverage can protect you if your eligible rental vehicle is damaged due to collision or theft, as long as you use your card to pay for your rental and decline the rental agency's collision damage waiver.
Bear in mind that the Venture's car rental insurance is secondary, which means it only pays out for amounts not covered by your personal automobile insurance policy. Some cards, including the Capital One Venture X Rewards Credit Card and Chase Sapphire Preferred® Card, offer primary insurance, which doesn't require you to file a claim through your personal policy first. Here's our guide to credit cards with primary rental car insurance for more options.
What credit score do you need to be approved for the Capital One Venture?
Most people who qualify for the Capital One® Venture® Rewards Credit Card have excellent credit, which Capital One defines as never having declared bankruptcy or defaulted on a loan, been more than 60 days late on any credit card, medical bill, or loan in the last year, and having had a loan or credit card for three years or more with a credit limit above $5,000.
FICO considers excellent credit to be a score of at least 800. Be sure to read our guides on improving your credit score and how using credit cards can help boost your score if your score doesn't qualify you just yet.
Can you have both the Capital One Venture and Venture X?
It's certainly possible to have the Capital One® Venture® Rewards Credit Card and the Capital One Venture X Rewards Credit Card, but that doesn't mean it's a good idea for the long term. Many of the cards' benefits overlap, and they have the same redemption options — so paying two annual fees doesn't make sense.
A better play would be to choose the Venture Rewards card you prefer, and if you want a second travel card, open one from a different rewards program, such as Chase Ultimate Rewards or Amex Membership Rewards. That way, you'll gain access to a different set of transfer partners, earning categories, and benefits.
Be sure to read our guide to the best rewards credit cards to help narrow down your options.
Why You Should Trust Us: How we reviewed the Capital One Venture Rewards Card
Insider evaluated the Capital One® Venture® Rewards Credit Card in comparison to competing travel rewards credit cards. We reviewed the card on various factors, including:
- Ease of use — Does the card have a straightforward earning and redemption structure that makes it easy for beginners and experts alike? Are there multiple ways to redeem miles?
- Rewards earning potential — Are there bonus categories that appeal to a wide range of consumers, or is there a strong flat rate of rewards? Are any bonus categories capped at a certain amount of spending?
- Annual fee — Is the card's annual fee worth it when you consider the value of the card's rewards and benefits?
- Benefits — Do the card's perks, especially travel benefits, compare favorably with similar cards?
You can find out more about how we rate credit cards at Insider.
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