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TD Rewards @ 0.5¢/pt
TD First Class Travel Visa Infinite — Net Value & Math
Annual fee $139 · 2.5% FX · Insurance 7/10 · Lounge 3/10
Net value @ your spend
+$1,123
rewards $1,287 · credits $100 · fee −$139 · fx −$125
C1
Per-category math
rate × spend × ¢/pt = $ earned
| Category | Rate | Spend | ¢/pt | = Earned |
|---|---|---|---|---|
| Groceriescap $25,000/year · shared w/ Dining, Recurring $462 over cap @ 1× | 6× | $12,000 | 0.5¢ | $348 |
| Diningcap $25,000/year · shared w/ Groceries, Recurring $308 over cap @ 1× | 6× | $8,000 | 0.5¢ | $232 |
| Travel | 8× | $10,000 | 0.5¢ | $400 |
| Gas | 2× | $4,000 | 0.5¢ | $40 |
| Recurringcap $25,000/year · shared w/ Groceries, Dining $231 over cap @ 1× | 4× | $6,000 | 0.5¢ | $117 |
| All Other | 2× | $15,000 | 0.5¢ | $150 |
| Subtotal | $1,287 | |||
C2
When to swipe it
One card per situation
✓ Use when
- Booking flights, hotels, and car rentals through Expedia For TD (8x TD Rewards = 4¢/$ — beats every other card on travel).
- Direct travel purchases not on Expedia (still strong via base + travel earn).
- Groceries and dining ONLY until the combined $25,000/year 6x cap is exhausted (then switch groceries → BMO Eclipse, dining → BMO Eclipse).
- Recurring bills until the shared $25,000/year cap is hit (then switch recurring → TD Aeroplan VIP).
- Any purchase where you specifically want TD's travel insurance package on a $139-fee card.
✗ Avoid when
- Foreign-currency purchases — 2.5% FX wipes out the rewards.
- Gas — only 2x TD Rewards (1¢/$); Eclipse pays 3.35¢/$.
- After hitting the $25k/year combined 6x/4x cap — drops to 2x base, worse than alternatives.
C3
Cap Pools
How shared limits are split across categories
Shared poolOne $25,000/year budget split across 3 categories
Shared pool · 3 categories
$25,000/year
Groceries + Dining + Recurring
Pool used
$25,000 / $25,000
100% utilized
GroceriesDiningRecurring
| Category | Spend | % of pool spend | Budget allocated | Over cap |
|---|---|---|---|---|
| Groceries6× rate | $12,000 | 46% | $11,538 | −$462 |
| Dining6× rate | $8,000 | 31% | $7,692 | −$308 |
| Recurring4× rate | $6,000 | 23% | $5,769 | −$231 |
Because these 3 categories share one $25,000/year limit, we split the $25,000 budget proportionally to your spend in each. Shift spend between them and the budget shifts with it.
$1,000 of your spend exceeds this pool and earns only 1× base.
Shared pools are split proportionally by your spend. Anything past the pool earns 1× base rate.
C4
Perks & insurance
Direct from the issuer
Notable perks
- Earn a Birthday Bonus of up to 10,000 TD Rewards Points.
- Earn 50% more TD Rewards Points at Starbucks.
- Complimentary Visa Infinite Concierge service.
- Visa Infinite Luxury Hotel Collection benefits.
- Visa Infinite Dining Series access.
- Visa Infinite Wine Country Program benefits.
- Free 6-month Uber One trial, then 20% off.
Insurance
- Travel Medical Insurance: Up to $2 million for the first 21 days (4 days for ages 65+).
- Flight/Trip Delay Insurance: Up to $500 for delays over 4 hours.
- Trip Cancellation/Interruption Insurance: Up to $1,500/$5,000 per person.
- Common Carrier Travel Accident Insurance: Up to $500,000.
- Delayed and Lost Baggage Insurance: Up to $1,000.
- Auto Rental Collision/Loss Damage Insurance for up to 48 days.
- Hotel/Motel Burglary Insurance: Up to $2,500.
- Mobile Device Insurance: Up to $1,000.
- Purchase Security and Extended Warranty Protection.