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Earn 40,000 Sign Up Bonus TD Points

The TD First Class Travel Visa Infinite Card is currently offering a 40,000 sign up bonus promotion if you apply for their special link. Before we start analyzing the details of the credit card, let’s take a look at the highlights first:

  • $120 annual fee (get 50% rebate on the first year if you apply before February 29, 2016)
  • Earn 20,000 points sign up bonus upon approval
  • Earn 20,000 additional points if you keep your account active and in good standing for 90 days (if you apply before February 29, 2016)
  • Earn 9 points for every $1 spent on travel online through Expedia
  • Earn 6 points for every $1 spent over the phone through either Expedia or the TD Travel Rewards Centre
  • Earn 3 points for every $1 spent on all other purchases

The 50% off the annual fee is nice to have, but I would have liked to see the full annual fee waived.

For the sign up bonus, we have seen a 65,000 sign up bonus points promotion before, so this 40,000 is an average promotion. The main difference from that promotion is that you do not have a minimum spend requirement, so it is less hassle if you do not have a lot of spending.

Reward Options

The reward redemption can be used against pretty much all travel related expenses. Below is a list in alphabetical order:

  • Air Travel
  • Airline taxes
  • Airport parking
  • Airport parking, Limos, Shuttles
  • Any local tours/excursions
  • Baggage charges
  • Bed & Breakfasts
  • Boat, jet ski or other watercraft rentals
  • Bus line fares (e.g. Greyhound)
  • Campsites (e.g. Disney or KOA)
  • Car Rental
  • Cargo or pet travel fees
  • Cottage, Villa, Chalet, RV rentals
  • Cruises
  • Go Trains, subways or similar local commuter transportations
  • Hot air balloons
  • Hotel stays
  • Houseboat rentals
  • Jet ski rentals & equipment
  • Motor home rentals & motor home campsites
  • Outfitter-tailored trips (e.g. float plane or fly & fish trips)
  • Resort and Spa vacations
  • RV parking & rental
  • Scooter Rental
  • Ski rentals/lifts
  • Theme parks (e.g. Disney, Santa’s Village or Sea World)
  • Train tickets
  • Travel Medical Insurance
  • Travel taxes (e.g. HST)
  • Vacation condominium rentals (including cabins and ski chalets etc.)
  • Vacation ferries (e.g. PEI to Newfoundland or between the Greek Islands)

Rewards Calculation

The redemption schedule is as follows:

Points Dollars
250 points $1
First 300,000 points $1,200
200 Points  (when redeeming 300,000+ points) $1

The rest of the reward redemption is pretty straightforward. So when you are redeeming the first 300,000 points, you will get the following returns when you:

  • Earn 9 points for every $1 spent on travel online through Expedia = 3.6% return
  • Earn 6 points for every $1 spent over the phone through either Expedia or the TD Travel Rewards Centre = 2.4% return
  • Earn 3 points for every $1 spent on all other purchases = 1.2% return

The return gets better when you redeem more than 300,000, you can get the following returns when you:

  • Earn 9 points for every $1 spent on travel online through Expedia = 4.5% return
  • Earn 6 points for every $1 spent over the phone through either Expedia or the TD Travel Rewards Centre = 3% return
  • Earn 3 points for every $1 spent on all other purchases = 1.5% return

I say better with a cringe, because it used to be straight up 200 points gets you $1. They devalued the first 300,000. Though there is no going backwards anyway.

You can also redeem your points for pure cash where 10,000 TD Points gets you $25 cash credit value, whereby 400 points gets you only $1. This is such a dismal return that I would not even consider having this credit card if you were going to use this reward option.

Conclusion

I have never really been a fan of this credit card and I personally never had this credit card before, but I do understand its appeal. The 40,000 sign up bonus is worth $160, which is not bad and it does cover the annual fee. So it doesn’t hurt to give this credit card a try in the first year.

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
  • @pointshogger

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