How do I unlock the full 165,000 TD Rewards points welcome bonus?

The welcome offer for the TD First Class Travel Visa Infinite Card is structured in three layers:- 20,000 points after your first purchase; - 135,000 points after spending $7,500 within 180 days of account opening; - Up to 10,000 birthday bonus points, worth 10% of points earned that year (capped at 10,000); That makes a total of 165,000 TD Rewards points, valued at approximately $825 against travel when redeemed through Expedia for TD. The $7,500 in 180 days works out to roughly $1,250 per month, which most cardholders absorb through normal grocery, dining and transit spending.

Is the annual fee really waived for the first year?

Yes. The $139 annual fee is waived for the first year on the primary cardholder, which removes the barrier to testing the card before committing long-term. After year one, you'll need to weigh the $139 fee against the $100 annual travel credit that activates on Expedia for TD bookings of $500+, effectively reducing the net cost to $39 per year. Add to that the 4 free Dragon Pass lounge visits (worth roughly $35 USD each) and the card pays for itself easily for any cardholder with one or two trips per year.

How does the 6 points per dollar earn rate compare to other travel cards?

The First Class Travel earns 6 points per dollar on groceries, dining and transit, plus 4 points per dollar on recurring bills and streaming. With each TD Rewards point worth 0.5 cents against Expedia for TD travel, that translates to:- 3 percent return on grocery and dining spending; - 2 percent return on recurring bills and streaming; - 1 percent return on all other purchases; This is competitive with cards like the Scotiabank Gold American Express (5x on groceries with Scene+), though Scotia Gold offers transfer partners while TD First Class is locked to its own travel portal.

Can I redeem TD Rewards points for any travel, or only through Expedia?

You have two redemption options: Expedia for TD at the standard 0.5 cents per point, or the Book As You Wish feature that lets you charge any travel purchase to your card and redeem points to cover the statement, also at 0.5 cents per point.The Expedia route is often better because it gives access to the $100 annual travel credit on bookings of $500 or more, and Expedia regularly runs hotel discounts. Book As You Wish is more flexible for niche bookings (boutique hotels, Airbnb, train tickets) where Expedia inventory is thin.