TD Rewards @ 0.5¢/pt

TD First Class Travel Visa Infinite

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

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

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.

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.

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.

Other cards

Amex Platinum TD Aeroplan VIP BMO Ascend BMO Eclipse