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By Winston Sih  and  Courtney Reilly-Larke on March 31, 2022 Estimated reading time: 6 minutes

TD First Class Travel Visa Infinite Card review

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 Card 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. 

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.

TD First Class Visa Infinite Card

Annual fee: $139

• Up to 8 TD Rewards points per $1 on travel
• 6 points per $1 on groceries and restaurants
• 4 points per $1 on recurring bills
• 2 points per $1 on all other purchases

Welcome offer: earn up to $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.

Card details

The TD First Class Travel Visa Infinite Card

• Three things you need to know about the TD First Class Travel Visa Infinite Card
• 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 Card?

4 things to know about the td first class travel visa infinite card, 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 Travel Visa Infinite 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 $700 in value, including up to 75,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by September 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 the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

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. 

Bottom line

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
• Best cash back credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy .

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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?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

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TD First Class Travel® Visa Infinite* Card review

Welcome Offer Ends Sep 3, 2024

Earn up to $700 in value†, including up to 75,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by September 3, 2024.

• Rates & Fees
• Eligibility

8 Points Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†

6 Points Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†

4 Points Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†

2 Points Earn 2 TD Rewards points for every $1 you spend using your card.†

10% Bonus Points Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

USD The annual fee is in USD

20.99% Purchase APR APR for purchases 20.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$139 Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.

Good Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

By Tyler Wade & Scott Birke

Updated: July 17, 2024

• Compare credit cards in Canada
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This offer is not available for residents of Quebec.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD†. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Who's the TD First Class Travel® Visa Infinite* Card for?

A travel lover who wants to accumulate points fast on everyday spending without any loyalty to a particular brand of store, but ideally can be loyal to TD Bank and their booking portal Expedia For TD to find the best travels deals. 

TD First Class Travel® Visa Infinite* Card Welcome bonus

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card † .
• Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
• Get an annual TD Travel Credit † of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year † .

To receive the first-year annual fee rebate, 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 September 4, 2024.

Pros and Cons of the TD First Class Travel® Visa Infinite*

Major combined value for the welcome bonus (up to $700 in value)†

Good base earn rate on all purchases

Huge earn rate when you book travel through Expedia® For TD†

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Does not provide free lounge access

Charges foreign transaction fees

How to earn TD Points with the TD First Class Travel Visa Infinite

• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
• Earn 2 TD Rewards Points For every $1 you spend on other purchases made using your card†

Points don’t expire as long as your account is active, and the card has no caps on the total amount of TD Points that can be earned.

How to redeem your TD Points

Though there are a number of redemption options with TD Points, you get the best value when redeeming for travel via one of two methods:

1. Book Any Way†

The Book Any Way† redemption path allows you to charge eligible travel expenses to your credit card and then retroactively redeem your points for those expenses within 90 days of the expense date. Travel expenses may include but are not limited to:

• Air travel taxes
• Baggage fees
• Airport parking and shuttles
• Car rentals
• Local commuter transport, like trains, buses or subways
• Travel attractions and entertainment

Each point redeemed via Book Any Way† is worth $0.004 for the first $1,200 of any redemption and $0.005 for the remainder of any redemption above $1,200.

Expedia® For TD

Points can alternatively be redeemed for flights, hotels, vacation packages and rental cars via ExpediaForTD.com. Redeeming with this method yields a flat value of $0.005 per point. The site will indicate the dollar value of the TD points you have on hand, and then you apply those points to your travel purchase when checking out.

Aside from the high value in earning and redeeming rewards via ExpediaForTD.com, the platform also provides a nice price guarantee feature: If you find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in, Expedia will refund the difference between what you paid and the lower rate you found.

2. Other redemption paths

TD Points can also be redeemed for the following, though the value you get per point tends to be lower than what you get for the above two travel redemption methods.

• Amazon’s Shop with Points † : Select your TD card  as your method of payment at Amazon.ca checkout , then automatically apply points toward your purchase. 10K TD Points can be redeemed for $33 (value of $0.0033 per point) and can be redeemed for Amazon.ca purchases either in part or in full.
• TD’s Shop the Mall † :  Redeem points for clothing, electronics and computers from retailers like Roots, Zara, and the Body Shop.
• TD’s Shop the Catalogue † : Redeem points for merchandise including clothing, games, furniture, and appliances.
• Gift cards †  at retailers like Bed Bath & Beyond, Best Buy, Canadian Tire, and more.
• Cash statement credit †  for your TD card account. This requires a minimum 10K points to redeem. The first 10,000-point minimum is worth $0.005 per point and then each additional 400 points is worth $1 (0.0025 per point).
• Education credit †  via HigherEdPoints.com . Credits must be purchased in minimum 62,500 points/$250 credit increments, for a redemption value of $0.004 per point.

TD First Class Travel Visa Infinite key benefits

• Excellent welcome bonus of up to $700 in value, including up to 75,000 TD Rewards Points and no annual fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.     
• High earn rate on travel, groceries and restaurants, and recurring bills without loyalty to a particular store
• Comprehensive travel insurance 

TD First Class Travel Visa Infinite travel insurance and other protections

You can check out our  guide to credit card travel insurance  to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

TD First Class Travel Visa Infinite extra benefits

• $100 annual travel bonus
• Mobile device insurance
• Earn more at Starbucks when you link your card
• Save a minimum of 10% with Avis and Budget in Canada and the U.S. (5% savings elsewhere)
• Apple pay, Google Pay, or Samsung Pay to instantly use your credit card. 
• Complimentary Visa Infinite Concierge 24/7 for any cardholder request
• Visa Infinite Luxury hotel collection, dining series, wine country, and entertainment access. 

What people have to say about the TD First Class Visa Infinite

Redditor, alwaysdetermined points out that yes, the annual fee can be waived with TD's All Inclusive but notes "the All-Inclusive costs $29.95, but that account fee can be waived if you keep $5,000 in the account at all times."

Reddit user, SensitiveAward , has the card, says they travel multiple times a year and is please with the insurance coverage saying "TD [credit card] comes out cheaper" when comparing it to third-party travel insurance products. 

However, some users say the Expedia For TD prices are higher than regular Expedia rates, so be sure to cross reference the two portals before booking (and clear your internet cache or browse in incognito to prevent tracking)

TD First Class Visa Infinite eligibility requirements, fees, and rates

• Minimum income:  $60,000 individual and $100,000 household annual income
• Foreign transaction fee: 2.5%
• Annual fee: $139, $50 for each additional cardholder (fees can be waived with TD's All inclusive banking plan)

How does TD First Class Visa Infinite compare?

¹ Conditions Apply. Visit here for the Scotiabank Gold American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

When comparing  travel credit cards  with similar annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate† effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD, want to avoid the foreign transaction fees and want free airport lounge access. 

TD First Class Travel Visa Infinite vs. Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

Conditions Apply. Visit  here  for the Scotiabank Gold American Express® Card to learn more. *See Card Provider's website and Card Application for complete card details, terms and current offers. Reasonable efforts are made to maintain accuracy of information.

TD First Class Travel Visa Infinite vs. BMO Ascend™ World Elite®* Mastercard®*

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.* 

Is the TD First Class Travel Visa Infinite worth it?

Yes, for its welcome bonus alone it's a great card. You'll also get a first year annual fee rebate, high earn rate in everyday spending, 10% annual birthday bonus, a $100 annual travel credit, and comprehensive travel coverage. 

Is TD First Class Travel good?

Yes, especially if you're a TD client. You can't lose with its awesome welcome bonus, high earn rate in everyday spending, special perks like its birthday bonus and $100 annual travel credit (nearly negating its annual fee), and full suite of insurance coverage.

Does TD First Class Travel have lounge access?

No, there is no airport lounge access with the TD FIrst Class Travel Visa Infinite. Check out the BMO Ascend or Scotiabank passport for cards with similar annual fees that include airport lounge access .

What does TD First Class Travel Cover?

It's the full suite of travel insurance as well as purchase protection and rental car. Check out all the details in the TD First Class Travel review insurance section.

†Terms and conditions apply.

Sponsored Content

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

This offer is not available to residents of Quebec. 

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

Scott Birke is a finance editor at Money.ca.

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TD First Class Travel ® Visa Infinite* Card   🇨🇦

• 2X points on all purchases
• Premium Insurance
• Visa Infinite Benefits

Earn up to $700 in value † , including up to 75,000 TD Rewards Points † and no Annual Fee for the first year . Conditions Apply. Account must be approved by September 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card † .
• Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points † .
• Get an annual TD Travel Credit † of $100 when you book at Expedia® For TD.
• Get an Annual Fee Rebate for the first year † .

To receive the first-year annual fee rebate, 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 September 4, 2024.

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.

• Earn 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD †
• Earn 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
• Earn 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
• Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

• An extensive suite of travel insurance coverages which helps you travel prepared
• No travel blackouts † , no seat restrictions † and no expiry † 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 .

Card Awards

Fees & conditions.

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 75,000 TD Rewards Points † and a rebate on the annual fee for the first year :

• 20,000 TD Rewards Points for the first purchase made with your Card †
• 55,000 TD Rewards Points if you spend $5,000 within 180 days of opening †
• A birthday bonus equal to 10% of the TD Rewards points you’ve earned in the past year, up to a maximum of 10,000 TD Rewards Points †

Get an Annual Fee Rebate for the first year †

With the TD First Class Travel® Visa Infinite* Card, you get:

• 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD
• 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
• 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
• 2 TD Rewards Points † For every $1 you spend on other Purchases

This TD credit card is one of the best TD travel rewards cards.

• TD Best Credit Cards - August 2024
• Best Travel Credit Cards - August 2024
• Best Visa Credit Cards - August 2024
• Canada's Best Credit Card Offers - August 2024
• Expedia For TD: How To Redeem TD Rewards Points?

Alternative Cards

† Terms and conditions apply.

• Customer Service

TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

Compare TD cards >

Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

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TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 75,000 Points Earn up to 75,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†. Account must be approved by September 3, 2024.
• Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
• To receive the first-year annual fee rebate, 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 September 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• 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.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• 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† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Travel Medical Insurance†: 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.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 40,000 Points Earn up to 40,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†. Account must be approved by September 3, 2024.
• Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: 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.
• Common Carrier Travel Accident Insurance†: 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†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 75,000 Points Earn up to 75,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†. Account must be approved by September 3, 2024.
• Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Share first free checked bags with up to 8 travel companions†, and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
• Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
• Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 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.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by September 3, 2024.
• Earn up to 60,000 Aeroplan pointsΓ. Conditions Apply. Account must be opened and approved by September 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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TD First Class Travel® Visa Infinite* Card

Updated on: 2024-06-04

Application must be approved by September 3, 2024 to receive this offer

Signup bonus:.

20,000 TD Rewards Points upon first purchase† 55,000 TD Rewards Points upon spending $5,000 within 180 days of account opening† Total of up to 75,000 TD Rewards Points†

Annual fee:

$139, rebated for the first year†

Interest rates:

20.99% purchase 22.99% cash advance (20.99% in Quebec) 22.99% balance transfer (20.99% in Quebec)

Earning rate:

8 TD Rewards Points† per dollar spent on eligible travel booked through Expedia® for TD† 6 TD Rewards Points† per dollar spent on eligible groceries and restaurant purchases† 4 TD Rewards Points† per dollar spent on eligible recurring bill payments set up on your account† 2 TD Rewards Points† per dollar spent on all other eligible purchases†

The TD First Class Travel ® Visa Infinite * Card is one of the most popular credit cards that allows you to earn points in the bank's proprietary TD Rewards program. With regular high-volume welcome bonuses, a strong return on travel purchases booked through Expedia, and a competitive insurance package, the TD First Class Travel ® Visa Infinite * Card is a solid choice to incorporate into your TD credit card strategy.

Bonuses & Fees

• 20,000 TD Rewards Points upon first purchase †
• 55,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †

Earning Rewards

• 8 TD Rewards Points † per dollar spent on travel booked through Expedia ® for TD †
• 6 TD Rewards Points † per dollar spent on groceries and restaurants †
• 4 TD Rewards Points † per dollar spent on recurring bills and purchases †
• 2 TD Rewards Points † per dollar spent on all other purchases †

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® . You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You'd apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point. If you'd rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD First Class Travel ® Visa Infinite * Card. However, the rate isn't quite as competitive at 250 points = $1, or 0.4 cents per point. Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point. Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value. TD Rewards Points never expire as long as you're a cardholder. † If you cancel or switch your card to a different product, you'll have 90 days' time to redeem your TD Rewards Points before they go away. However, you'll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you'll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

TD First Class Travel ® Visa Infinite * cardholders are eligible to earn a $100 credit † on accommodations and vacation packages booked through Expedia ® for TD. † This benefit is available annually to cardholders, and notably does not include flights. However, it certainly helps to offset the $139 annual fee that the card commands, beginning in the second year. Cardholders can also get car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As one of TD's flagship travel rewards credit cards, the TD First Class Travel ® Visa Infinite * Card offers a strong set of insurance provisions. The card comes with 21 days of travel medical insurance of up to $2,000,000 for travellers aged under 65, and four days of coverage for travellers aged 65+. † There's also trip cancellation and trip interruption insurance of up to $1,500 and $5,000 per person, up to a maximum of $5,000 and $25,000 per trip, respectively. † While flying, cardholders are covered for up to $500 in flight delay insurance and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. † And when making purchases, the card offers extended warranty of up to one additional year, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. † Lastly, it also comes with  Mobile Device Insurance.  By paying for your smartphone, tablet, or smartwatch using your TD First Class Travel Visa Infinite Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

† Terms and conditions apply.

† The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

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Why Compare Car Insurance Quotes?

• Step 1. Find out your state's minimum coverage requirements

Step 2. Compare at least three different policies

Step 3. avoid falsifying information, step 4. ask for discounts, tools and resources, factors that affect car insurance quotes.

• Top Car Insurance Companies to Consider 

Tips for Comparing Car Insurance Quotes

Compare car insurance quotes.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• The best way to find a better policy is to shop for car insurance and compare your options.
• You'll want to compare both big national insurers and smaller local insurance providers.
• Look beyond the monthly premium and deductible to see what's actually covered.

51% of drivers do not trust their car insurance providers and car insurance costs continue to rise, up by 11.2% in 2023-2024. If your auto insurance renewal is approaching — or if you're buying car insurance for the first time — get ahead of the game by shopping for a better quote. Here's how.

Benefits of Comparing Car Insurance Quotes

The main benefit of comparing quotes is to save money on your insurance policy. Since insurance companies calculate rates differently, shopping around helps you find the most competitive rates on the market. 

Another benefit is securing better coverage on your policy. You don't need to skip out on adequate coverage to fit your budget. Comparing quotes allows you to customize your policy based on your coverage needs and find a policy that offers the lowest rates.

Common Mistakes to Avoid

One common mistake to avoid when buying car insurance is to settle on the first policy you find. You may be tempted to buy insurance from a major player, like State Farm or GEICO, just because of its popularity. But doing some research may point you towards a local, less well-known provider that offers personalized coverage for drivers in your region and lower rates.

Another mistake is choosing the lowest price. Liability-only insurance is often the cheapest insurance policy offered by companies. It only pays for the other person's damages and injuries if you're at fault in an accident, not yours. So, choosing the lowest-priced policy without examining your coverages likely means you're not fully protected 

Finally, another mistake to avoid is not shopping around regularly. Rates change all the time, even with the same insurer. You can ensure that you always have the best rates for your coverages by shopping at renewal, which is at least once a year for most policyholders. 

How to shop for car insurance

If you're in the market for car insurance, here's a step-by-step guide to finding the best and cheapest car insurance for you.

Step-by-Step Guide

Step 1. find out your state's minimum coverage requirements.

Liability coverage is required by law. If you're involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and its passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage. 

Liability coverage requirements and minimums vary by state. The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorists and underinsured motorists .

The best way to make sure you haven't overlooked any red flags or essential questions is to compare policies by getting quotes from at least three different auto insurance companies. Be sure to check both national and local companies, too. You'd be surprised how many regional insurers have better customer satisfaction than national carriers.

Comparison shopping is the best practice for a few reasons. For starters, it prevents you from assuming that one company in particular is the cheapest. Also, one company might be more forthcoming than another when it comes to a particular feature of their policy. This will help you build a list of questions you should be asking all of your potential insurers.

When faced with rising premiums, you might be tempted to "fudge" your numbers to get a lower rate. You're not alone. Many drivers have either intentionally underestimated mileage, left a driver off their policy, provided a different ZIP code in a more desirable area than the one the car is actually stored in or claimed their car was for pleasure instead of commuting.

While you might enjoy lower premiums if you take this route, all of these lies will come to the surface if you file a claim. In this case, you could be on the hook for the entire cost of damages because your policy would be rendered inapplicable since the price you were paying was not for the truth of your situation. That's why it's best to avoid playing the odds and be truthful when shopping.

One way to get cheap car insurance is to ask for a discount. Most companies list available discounts on their website, but there may be some that aren't listed. Common discounts include:

• Deals for members of professional organizations (be sure to name yours)
• Multi-car discounts
• Special quotes for paying your six-month or annual premium in one payment
• Anti-theft installed systems
• Good driving record discounts
• On-time payment discounts that could save you in the long run

After you've completed these steps, you can relax, knowing you did your due diligence to ensure you're paying the best rate for your personal car insurance.

Remember — be thorough in your search, starting with national companies but also looking into local companies to compare rates. You'll be happy you did. On average, consumers who shop around can save as much as 47% in premium costs, or as much as $847 per year. Even if you only save a fraction of this, a $200 savings is money that can be well spent (or saved) elsewhere.

You can use an online insurance comparison tool — like Policygenius — to help comparison shop. You'll need your vehicle's VIN number, the year, make, and model of your car. This will include your daily commute (in miles), your ZIP code, where the car is stored (in a garage or on the street), and the number of accidents you've had in recent years. You'll also need to put in your age and gender since some states consider these factors.

Obviously, you'll want to find a plan that fits your budget — so premium payment is likely the first thing you'll consider. But you'll also want to take into account the deductible, i.e. the price you'll pay if you file a claim, along with coverage areas. Some plans cover damage from uninsured motorists, and others don't.

You'll want to find a plan that covers all of your state's minimum coverage requirements, plus any important requirements. Remember if you're financing or leasing, you will likely need comprehensive and collision coverage in addition to the state minimum liability coverage.

Though a lower premium is nice, you often get what you pay for. After you get quotes from each of the companies you speak to, ask them to send your quotes to you via email. If possible, print out every quote and compare the coverage line-by-line. This will give you a true idea of what the costs will be in the event of an accident.

Personal Factors

One personal factor that affects your car insurance quotes is your age and gender. The Insurance Information Institute (III) reports that females and drivers over 25 experience fewer accidents and moving violations than males and teen drivers. So, they tend to see lower rates on their insurance policies. 

Your credit score is another personal factor that influences your car insurance rates. According to the III, drivers with good credit histories file fewer claims. So, insurers use insurance-based credit scores to determine your rates in states where applicable. 

Vehicle-Related Factors 

The specifics of your vehicle also play a part in how expensive your insurance premiums will be. Vehicles with higher replacement, like new or luxury cars, require more coverage, leading to increased premiums. The III also notes that insurers consider your vehicle's theft rate, engine size, and overall safety record when calculating your costs. 

Policy Related Factors 

Finally, policy-related factors such as coverages will influence your insurance bill. Several relevant policy features that alter your premiums include, but aren't limited to: 

• Whether you purchase a full-coverage or a liability-only policy 
• Coverage limits  
• Optional coverages
• Deductible amounts
• The amount of discounts applied
• Payment terms (monthly, quarterly, annually) 

It's important to read the fine print to ensure your policy meets your individual needs so you're only paying for what you need.

Top Car Insurance Companies to Consider 

Overview of major providers .

Based on our review of the best car insurance companies , these are some providers insurance providers to consider: 

• Best for customer satisfaction: Amica 
• Best for affordability: GEICO
• Best for military personnel: USAA
• Best for teen drivers: State Farm 
• Best for discounts: Farmers 
• Best for teachers: Liberty Mutual
• Best for accident forgiveness: Progressive

Comparison of Key Features

Take a look at the table below for key features related to each auto insurance provider.

Bundling Policies 

One of the most common ways to get the best car insurance rates is by buying two or more insurance products from the same insurance company via their multi-policy discount . Auto and home insurance is a common bundle. But auto insurance companies may let you pair your auto policy with renters, motorcycle, pet, and life insurance.  

Increasing Deductibles 

Another way to save on car insurance is by choosing a higher deductible on your policy. A deductible is what you must pay out-of-pocket when you make a claim. For example, if your insurer agrees to settle your claim for $1,000 in car repairs, and you have a deductible of $500, you'll receive $500.  Choosing a higher deductible means lower premiums, but higher out-of-pocket costs, so be sure you can pay your deductible if you have to file a claim.   

Maintaining a Good Driving Record

A good driving record is crucial if you want low insurance premiums. Drivers with moving violations, speeding tickets, at-fault accidents, and DUIs file more claims than drivers without. So insurers charge those drivers more to offset the risk. One of the best ways to get the best rates on your policy is by practicing safe driving. If you already have an infraction on your record, taking a defensive driving course could lower your rates. 

How to Compare Car Insurance Quotes FAQ

Compare quotes at least once a year or whenever your policy is up for renewal. This ensures you're getting the most competitive rates available.

Some basic information you'll need to compare car insurance quotes includes your personal information, vehicle details, driving history, desired coverages, and your current insurance information.

Online car insurance quotes are generally accurate but might not include all possible discounts or final pricing adjustments. These tools are a great way to compare options, but consider buying a policy directly from the insurer for the most accurate quote.

Comparing quotes won't affect your credit score. Insurers perform a soft inquiry on your credit report to check your credit history, so it won't cause your score to go down.

To find car insurance discounts, you can check the insurer's website or call to ask. Your quoted premium should already include your discount, but it doesn't hurt to ask if you qualify for more. Some common discounts include those for good driving, bundling policies, or being a student.

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7 incredible ways to enjoy Nizhny Novgorod

Nizhny Novgorod (420 km east of Moscow) is welcoming tourists who is ready for adventure in the medieval city.

1. Walk along the downtown embankment

French journalist and explorer Erwann Pensec spent one year in Nizhny Novgorod and said it was the best year of his life. “The city is very calm even in the center and people are very friendly there, they are always ready to help,” said Erwann. “That’s why you can walk down the streets without fear of getting lost.”

Erwann’s favorite place in the city is Verkhne-Volzhskaya (Upper Volga) Embankment. “From this place you can enjoy the horizon, endless forests, and the vast Volga River.”

If you look down from this embankment you’ll see the lower embankment. To get there just go down the Chkalov Staircase, the longest in Russia with 560 steps, and one of the city’s famous landmarks.

2. Look inside the kremlin walls

The kremlin in Nizhny Novgorod was built in the 16th century. The fortress is reminiscent of a stone necklace spread over the slopes of Chasovaya (Sentry) Hill. In the early 17th century, Nizhny Novgorod turned into a bastion of resistance against Polish invasion. A volunteer army led by Kuzma Minin and Prince Pozharsky marched from its gates, driving out the Polish troops during the Time of Troubles and in the process helping to keep Muscovy on the map. Now the kremlin operates as a museum.

German journalist Peggy Lohse found an interesting museum of contemporary art inside the kremlin called Arsenal. “Besides interesting exhibitions there’s a bookstore, where you can buy books on constructivism, art, and local history. And don’t forget to drink the raf coffee in the museum’s café!”

3. Soak up the spirit of cozy streets and yards

There are two main tourist centers in Nizhny Novgorod: On Rozhdestvenskaya Street and Bolshaya Pokrovskaya Street. The local manager Yulia Petushkova strongly recommends discovering the small lanes and yards on Rozhdestvenskaya.

“They are very atmospheric and unusual,” she said. “These streets have not been rebuilt for 150 years, so the buildings remain untouched. They are beautiful for their chaotic nature. Hidden there are interesting art objects and cozy coffee houses.”

Yulia also recommends walking down Chernigovskaya Street in the direction of the metro bridge to the world-famous water tower, which was painted by famous street artist Nikita Nomerz.

4. Ride the cable car

The longest cable car above water in Europe exists here and it’s worth jumping on for the views of the town of Bor. Here you can visit the new Pax Romana Park where you can see historical reenactments and take part in festivals and various events.

5. Visit the Museum of Photography

Erwann and Peggy recommend a visit to the  Russian Museum of Photography on Piskunova Street. “On the first floor you’ll find cool vintage gadgets, photos of the Tsarists family, 19th century landscapes and of course, Soviet ideological pictures,” said Peggy. “On the second floor, there will be exhibitions of local artists. Actually, the museum is rather big.”

Traveling with children or interested in science? “You should definitely visit the Kvarki Museum of Science and planetarium near the railway station,” advises Erwann.

6. Get underground  

Only seven Russian cities have a metro. The underground in Nizhny Novgorod is Russia’s shallowest, with stations located no deeper than 20 m. The first stations were opened in 1985 and now the subway has two lines and 14 stops.

“My favorite station is Dvigatel Revolyutsii (Engine of the Revolution) on the red line,” said Yulia. “The locals especially love it because of the impressive name, which honors a diesel engine factory.”

7. Have the best Russian lunch

Blini   and   syrniki   for breakfast,   vatrushki   for brunch, traditional Russian cabbage   schi   for lunch, and if you can fit anything else in try beef stroganoff and   kulebyaka   for dinner. There are a lot of places in the city offering tasty food where you can find traditional Russian menus. Most of them are located on Rozhdestvenskaya and Bolshaya Pokrovskaya street.

Are you ready for your trip to Russia? Check out 10 things you should avoid doing here ! 

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Discover your TD First Class Travel® Visa Infinite* Card

To save or print a copy of this guide,  download the PDF Welcome Guide .

Quick Steps for Getting Started

TD Rewards Program

Using Your TD Rewards Points

Your Travel Credit and More Perks

Everyday Convenience

Keeping Your Card Secure

How to make the most of your new TD First Class Travel® Visa Infinite* Card.

Quick steps to getting started and making the most of your card:.

Register for  Digital Banking  to access and manage your Account online and sign up for online statements.

Download the TD app to view your Account and bank almost anywhere. Learn more.

Visit My TD Rewards in the TD app or EasyWeb to manage your  TD Rewards Points  and discover  loyalty perks.

Set up your regularly recurring bill payments on your Account to  save time, avoid late fees  and  earn 4 TD Rewards Points  for every $1 charged to your Account 1 .

Learn how to add your Card to  Apple Pay 30 ,  Google Pay TM , 30 or  Samsung Pay 30  to make convenient, everyday payments with just a tap of your phone.

Make your TD First Class Travel Visa Infinite Card the Primary Card for retail apps on your phone 2  to earn  TD Rewards Points on purchases you make through phone apps , like food delivery and transportation.

Your TD Rewards Points

Every eligible purchase you make with your  TD First Class Travel Visa Infinite Card  earns you TD Rewards Points. Your points will never expire as long as your Account is open and in good standing.

The more you use your TD First Class Travel Visa Infinite Card, the more TD Rewards Points you’ll earn!

Earn  8  TD Rewards Points for every $1 in Travel Purchases you make with your Card 3  through  Expedia® For TD 4 .  Learn more.

Earn  6  TD Rewards Points for every $1 in  Grocery  and  Restaurant  Purchases 5  you charge to your Card.

Earn  4  TD Rewards Points for every $1 in regularly recurring  bill payments  you set up on your Card 1 .

Earn  2  TD Rewards Points for every $1 you spend on all other eligible purchases made with your Card 6 .

50% more TD Rewards Points at Starbucks  when you link your card with your Starbucks ® Rewards account. Conditions apply.  Learn more.

Plus, an annual Birthday Bonus of up to 10,000 TD Rewards Points  awarded to your Account every year 7  to wish you a happy birthday!

Earn more TD Rewards Points when you add up to three Additional Cardholders 8  (Additional Card Annual Fees apply) and earn TD Rewards Points every time they use their Cards to make eligible purchases.

Flexible Redemption Options

Visit My TD Rewards in the TD app or EasyWeb to manage your TD Rewards Points and discover loyalty perks.

Go places on points

Make your points go further 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 9  your TD Rewards Points towards your travel purchase right away.

Or Book Any Way 9 : 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.

And under the TD Rewards Program, there are no blackouts 10  or seat restrictions 10 .

Go shopping - treat yourself

Amazon Shop with Points Redeem your TD Rewards Points towards making purchases at Amazon.ca 11 .  Learn more.

Starbucks ® Rewards Link your Card with your Starbucks Rewards account and you can convert your TD Rewards Points into Stars at Starbucks to buy your favourite Starbucks coffee or treat at participating stores using the Starbucks app. Conditions apply. Visit  td.com/starbucksoffer.

Merchandise and Gift cards 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.

Education Credits from HigherEdPoints:  Redeem TD Rewards Points towards tuition for higher education at over 100 participating institutions – for a student in your life, or yourself.

Your TD First Class Travel® Visa Infinite* Card comes with perks.

$100 Annual TD Travel Credit 12

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.

Enjoy the perks of being a Visa Infinite Cardholder 13

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.

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.

Get exclusive access to tickets for advance screenings and special movie events with the  Visa Infinite Screening Series . Visa Infinite Cardholders can also enjoy presale access, priority access line and exclusive benefits and offers for the Toronto International Film Festival.

Complimentary Visa Infinite Concierge Service 14

On-call 24 hours a day, seven days a week, the Visa Infinite Concierge Service 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  1-888-853-4458 (from Canada and the U.S.) or 1-630-350-4545 (from outside Canada and the U.S.). Visit  visainfinite.ca  to explore your Visa Infinite Card benefits and opt in to receive the latest offers.

Save on car rentals

Save a minimum of 10% on the lowest available base rates 15 , 16  in Canada and the U.S., and a minimum of 5% on the lowest available base rates 15 , 16  internationally, on qualifying car rentals at participating Avis and Budget locations.

• Avis:  You can reserve your Avis car rental by visiting  avis.com/tdcreditcards . Quote  Avis Worldwide Discount (AWD) #C078400  at time of reservation and charge the full rental to your TD First Class Travel Visa Infinite Card
• Budget:  You can reserve your Budget car rental by visiting  budget.com/tdcreditcards . Quote  Budget Customer Discount (BCD) #A331700  at time of reservation and charge the full rental to your TD First Class Travel Visa Infinite Card

Apply for optional Deluxe TD Auto Club Membership 17

With optional Deluxe or Standard TD Auto Club Membership, know that, in the event of a road emergency, help is just a phone call away. For information and to enroll, call  1-800-245-0297 .

Explore the insurance coverages included with your TD First Class Travel® Visa Infinite* Card

Discover the travel insurance benefits of your credit card when you're ready to travel. Learn about what travel insurance benefits are available on your TD First Class Travel®  Visa Infinite* Card with our  Credit Card Travel Insurance Verification Tool .

Travel Medical Insurance 18

You’re covered without even having to charge the trip to your Card! Your coverage includes:

• Up to $2 million comprehensive emergency medical coverage for when you are travelling outside of your province or territory, whether internationally or within Canada.
• No out-of-pocket costs for eligible emergency medical expenses.
• 24/7 emergency medical assistance.
• Coverage for the first 21 days of your trip if you are under 65 years of age. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip – for longer trips, top-up coverage is available for purchase by calling  1-800-293-4941 .

Trip Cancellation/Trip Interruption Insurance 19

Use your Card and/or TD Rewards Points to cover the full cost of your trip, and you’ll have coverage for:

• Up to $1,500 per insured person to a maximum of $5,000 for all insured persons if you need to cancel your travel plans before you leave because of a covered cause.
• Up to $5,000 per insured person to a maximum of $25,000 for all insured persons per covered trip if you need to come home early due to a covered cause.
• Need additional coverage? You may be eligible to increase your coverage for an additional premium by calling  1-800-293-4941 .

• Common Carrier Travel Accident Insurance 20 You, your spouse and dependent children are insured for up to $500,000 while travelling on a common carrier (such as a bus, ferry, plane or train) whenever you charge the full cost of your transportation to your Card and/or use TD Rewards Points.
• Auto Rental Collision/Loss Damage Insurance 21 Use your Card and/or TD Rewards Points to pay for the full cost of an eligible car rental and get the Collision Damage Waiver (CDW) coverage at no additional cost for up to 48 consecutive days. Please note that some rental agencies may require you to buy CDW coverage from them: contact them before reserving a car to verify their policies.
• Delayed and Lost Baggage Insurance 22 If your baggage is delayed for more than 6 hours, or is lost by a Common Carrier, each insured person has coverage for emergency purchases of essentials, such as clothing and toiletries. Use your Card and/or TD Rewards Points to cover the full cost of the tickets and each insured person is covered up to an overall maximum of $1,000 per trip.
• Mobile Device Insurance 23 Get mobile device protection of up to $1,000 in the event of the loss, theft, accidental damage or mechanical breakdown for eligible mobile devices when you use your Card to pay all of your monthly mobile bill payments and any upfront costs, or charge at least 75% of the purchase price when paying the full cost of your new mobile device up front.

Purchase Security and Extended Warranty Protection 24

You automatically have access to this coverage for eligible items you’ve purchase with your Card:

Repair, replacement, or reimbursement should eligible items be stolen or damaged within 90 days of purchase.

Double your warranty, up to 12 additional months, if the eligible item came with a manufacturer's warranty valid in Canada.

Hotel/Motel Burglary Insurance 23

When you stay at a hotel/motel within Canada or the United States and use your Card and/or TD Rewards Points to cover at least 75% of the total cost of your stay, you will receive up to $2,500 coverage per occurrence for most personal items stolen from your hotel or motel room belonging to the Cardholder on the account and eligible family members travelling with the Cardholder.

Flight/Trip Delay Insurance 25

If your trip is delayed more than four hours, each insured person is covered for up to $500 for reasonable and eligible hotel, motel or restaurant expenses whenever you charge at least 75% of the cost of your transportation to your Card and/or TD Rewards Points.

Be prepared with optional TD Credit Card Payment Protection Plan 26

Optional TD Credit Card Payment Protection Plan insurance products are 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.

Enroll or learn more at  1-866-315-9069  or  td.com/BP .

Enjoy the convenience of your TD First Class Travel Visa Infinite* Card

Discover all the features that help make using your Card more convenient everyday, from simplifying making purchases, to assistance if you lose your Card.

Help and assistance

If your TD Credit Card is damaged or not working , you can request a replacement Card online through EasyWeb, through the TD app using your mobile device, or by phone at  1-800-983-8472 .

If your TD Credit Card has been lost or stolen , you must immediately report this to us by phone at:  1-800-983-8472 .

Fast, reliable access to cash.  You can ask for an emergency Cash Advance 27  of up to $5,000 in emergency funds (subject to your available credit limit), at over one million ATMs internationally, at all TD Canada Trust branches and at select financial institutions around the world.

Getting information when you need it.  The TD Credit Card Contact Centre can also provide you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.

• Ways to Pay

Save time with Apple Pay, Google Pay TM and/or Samsung Pay

Mobile Wallets are accepted by many shops, restaurants, and retailers, making it a convenient and easy way to pay for everyday purchases with just a tap of your phone 30 .

Tap to pay with Visa

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s fast and more convenient than cash, and your Card never leaves your hand.

Pay online easily and securely

Online buying is evolving so you can pay with fewer clicks. Paying online with your TD Visa Card is easy, smart, and secure. Just click to pay with your TD Visa when you see the Click to Pay icon where Visa is accepted.

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Td green machine® atms.

Access and manage your Card Account at any of our ATMs.

EasyWeb® Online banking

Manage your Card Account easily online.

EasyLine® telephone banking

Give us a call to access or manage your Card Account.

Get secure access to TD’s mobile banking service anywhere you are.

Balance Transfers

Consider consolidating higher-rate non-TD credit card balances you may have to your TD First Class Travel Visa Infinite Card Account through a Balance Transfer 28 .

You can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of a balance transfer.

Visit your TD branch or call  1-800-983-8472 .

Payment Plans

Turn credit card purchases into manageable monthly payments. This convenient feature gives you more control over your budget knowing when these purchases are paid off in full. This can come in handy if you’re planning to buy a new laptop, go on a trip or start a home renovation project. (Conditions apply. Visit  td.com/paymentplans  for details.)

Emergency Travel Assistance Services 29

Help is just a call away with toll-free access to help in the event of a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

• Translation services in the event of an emergency situation.
• Lost document and ticket replacement.
• Emergency Cash Transfer in the event of a theft, loss or emergency – our Administrator can assist you to obtain a Cash Advance, which will be charged to your Account.
• In Canada and the U.S., call 1-866-374-1129 .
• In other countries, call collect 416-977-4425 .

Explore your TD First Class Travel Visa Infinite* Card security and protection

Protecting the security of your Card should always be a priority. That’s why your TD First Class Travel Visa Infinite Card comes with features that help protect you when you shop online and in person.

Security Features

Visa Zero Liability Shop online and in person securely with Visa Zero Liability and be protected, in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your PIN.

Lock or unlock your Card Misplaced your TD Credit Card? Feel more confident by locking your Card in the TD app. When locked, pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers. If you find your Card, it’s just as easy to unlock it.

Shop with confidence with Chip & PIN technology. Chip & PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Keep your Personal Identification Number (PIN) Secure

• Choose a PIN you can remember that's difficult to guess. Don't use a phone number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
• Never let anyone else know or use your PIN or use your Card.
• Make transactions only when and where you feel secure. If in doubt, don’t use your Card.
• Reset your PIN  at a  TD branch  or 24/7 at any TD ATM.

24-hour Fraud Protection

Our enhanced protection measures are part of an industry-wide effort to protect you from the inconvenience of Credit Card fraud. In the event that our advanced fraud prevention system detects unusual activity relating to your Account:

You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you, or an Additional Cardholder, performed a transaction on your TD Credit Card Account.

During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

Your Card may be temporarily blocked until we can contact you for verification.

You can 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.  Learn more.

More about your TD First Class Travel Visa Infinite* Card

Cardholder agreement.

For information about your Card, please refer to your Cardholder Agreement.

• Cardholder agreement (PDF)
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See below for information regarding Insurance benefits or the most recent updates to your Insurance benefits.

• Benefit Coverages Guide (PDF)
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Save a copy of your guide for reference when you’re offline.

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1  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* Account (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. 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.  $25,000 Cap:  The PAP Rebate is only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). Once the  $25,000 Cap  has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Points that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“ Standard Rebate ”).  Applicability of PAP Rebate:  The PAP Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

2 The Toronto-Dominion Bank is not responsible for any third party retail apps, including their use and any services or products provided through such apps.

3  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through ExpediaForTD.com 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.

4  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.

5  Earn 6 TD Rewards Points (“ Grocery Rebate ”) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases ”) charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and earn 6 TD Rewards Points (“ Restaurant Rebate” ) for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”) charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase or Restaurant Purchase, as applicable. 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.  $25,000 Cap : Each of the Grocery Rebate and the Restaurant Rebate is only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”). Once the  $25,000 Cap  has been reached for either Grocery Purchases or Restaurant Purchases, then any further Grocery Purchases and Restaurant Purchases 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 Cardholder Agreement (“ 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”, or “restaurant” or “fast food” category (MCCs 5411, 5812 and 5814 only). Some merchants may (i) sell groceries or grocery items; (ii) provide restaurant service or sell fast food; or (iii) have separate merchants located on their premises that also sell groceries or grocery items, or provide restaurant service or sell fast food; but may not be classified with a grocery, restaurant or fast food MCC and such Purchases will not earn the Grocery Rebate or Restaurant Rebate, as applicable. 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.

6  Earn 2 TD Rewards Point (“ Standard Rebate ”) on every $1 on all other eligible 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.

7  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 not count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday.

8  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. A maximum of 3 Additional Cardholders are allowed on the Account.

9  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 Credit Cardholder Agreement for your Card. We can decrease the required minimum TD Rewards 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 Rewards Program 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 deducted from the Cardholder’s 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.

10  Subject to carrier or space availability.

11  The Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”) is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by [Amazon.com, Inc.]. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

12  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.

13  You must be an eligible Visa Infinite Cardholder with a valid Canadian-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions, available online at visainfinite.ca/infinite/terms.jsp The Visa Infinite privacy policy (available online at visainfinite.ca/ infinite/privacy.jsp) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection, use and disclosure of Cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

14  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 the Issuer is responsible for any claims or damages arising from 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.

15  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/ 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.

16  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre or 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.

17  TD Auto Club is provided by Dominion Automobile Association (2004) Limited, an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

18  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. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that is available to all TD customers. 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.

19  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.

20  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.

21  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 (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

22  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated 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.

23  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 name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

24  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.

25  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.

26  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.

27  Cash Advance is subject to available credit. Fees apply to applicable Cash Advances and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.

28  Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made. See your Cardholder Agreement for complete information on Cash Advances including how we apply your payments and interest to Cash Advances.

29  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

30  Subject to current $250 limit for point-of-sale transactions. Certain transactions may not be completed outside of Canada and in-app availability may be limited. Certain merchants may set their limit under $250. Please check with the merchant about the limit before using Apple Pay, Google Pay or Samsung Pay.

Please visit https://www.apple.com/ca/apple-pay / for a complete list of Apple Pay compatible devices, https://pay.google.com/intl/en_ca/about/ for a complete list of Google Pay compatible devices, and https://www.samsung.com/ca/apps/samsung-pay/ for a complete list of Samsung Pay compatible devices.

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Open up a world of possibilities, with the TD First Class Travel® Visa Infinite Credit Card, a travel credit card with more rewarding benefits! Collecting points is fast and easy. Earn eight TD Rewards Points for every $1 spent on travel purchases, when you book travel through Expedia® For TD. Earn six TD Rewards Points for every $1 in grocery and restaurant purchases. Setting up regularly recurring bill payments on your account for things like TV or utilities can help save time and avoid late fees, all while earning four TD Rewards Points per one dollar! And earn two TD Rewards Points for every $1 spent on all other purchases made with your card. Plus, each year you'll receive a TD Rewards Birthday Bonus on your TD First Class Travel® Visa Infinite* Account. Because, why not? You're someone worth celebrating! You'll also receive a yearly $100 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD. And when you're ready for a Starbucks fix, earn 50% more TD Rewards Points and 50% more Stars by linking your card with your Starbucks Rewards accounts. And your TD Rewards Points will never expire as long as your account is open and in good standing! Add your spouse or a family member as an additional cardholder to your Account and you'll earn TD Rewards Points on purchases made with their card! Visit My TD Rewards in the TD App or EasyWeb and discover the perks that are available to you. Make your points go further when you redeem through Expedia for TD, or redeem them through My TD Rewards for travel booked with other travel service providers. No blackout periods, or seat restrictions. While you're at it, treat yourself to something special by redeeming your TD Rewards Points for great deals on a wide selection of merchandise and gift cards. Amazon shop with points! Have some online shopping to do? Now you can redeem your TD Rewards Points toward purchases made at Amazon.ca. You'll also benefit from a suite of travel insurance coverages to help you travel with confidence. It includes up to $2 million in emergency medical coverage, when travelling anywhere in Canada and across the globe! You'll also have coverage for: delayed or lost baggage, trip cancellation and interruption, flight or trip delays, hotel or motel room burglaries, and mobile device insurance coverage if your phone is lost, stolen, accidentally damaged or suffers mechanical breakdown. Now what about the stuff you buy using your card? You can shop with confidence, thanks to Visa Zero Liability. It protects you in the event that unauthorized transactions are made on your card. And a few added perks to give you even more when you travel. Enjoy a complimentary Visa Infinite concierge service, ready to help with everything from booking hotel reservations to arranging car rentals to accessing special events. Book through the Visa Infinite Luxury Hotel Collection and get hotel privileges, and access curated dining events through the Visa Infinite Dining Series. So go on and open up a world of possibilities, quite literally, with the TD First Class Travel® Visa Infinite Card.

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Nizhny Novgorod, Russia

You are here, about nizhny novgorod.

If you are still wondering, whether Nizhny Novgorod travel would be something you'd like to experience, let us help you - it would. This colorful Russian city full of cultural heritage might exceed your expectations since it has something to offer for everyone.

Reasons to Travel to Nizhny Novgorod

Art enthusiasts will surely enjoy the State Gorky Literature Museum which was named after the great Russian author Maxim Gorky. Bet you didn't know that Nizhny Novgorod was his birthplace? Do not worry, now you do.

There are also multiple art galleries and installations such as The Blogger's Bench which provides free Wi-Fi access if you are in the mood of blogging about your experience.

The musician community will not be disappointed as well, as the city has multiple live music bars and cafes open for the public and is often the place where great concerts are staged. If you are not that into art, there are plenty of other places worth putting on your Nizhny Novgorod itinerary, f.e., the grand red-brick Kremlin.

The Cathedral of Archangel Michael, which is actually the only church that has stood the test of time in Kremlin, along with multiple ancient towers is what makes this site a must-see. By the way, the magnificent church of St. Elijah is right around the corner, so make sure to make a little detour during your Nizhny Novgorod tour after seeing the Kremlin.

Another thing you should not miss during your Nizhny Novgorod sightseeing is the panorama of Strelka, overlooking the amazing view of the confluence of the rivers Oka and Volga and also the Fedorovsky Embankment, a perfect place for a stroll in the evening.

If you want to take a look at the scene from a different angle, hop on a boat trip along the two rivers! Nowadays Nizhny Novgorod is the fifth-largest city in the Russian Federation, somehow managing to maintain the unique heritage alongside its cultural versatility, thus looking at pictures is not enough, feel like exploring it yourself?

Best Things to Do in Nizhny Novgorod

• Witness the ancient Novgorod Kremlin
• Get inspired by the scenic panoramas of the Volga River
• Explore diverse museums of Nizhny Novgorod

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Debby strengthens to Category 1 hurricane, moves closer to Florida's Big Bend: Updates

Editor's Note: This page is a summary of news about Hurricane Debby for Sunday, Aug. 4. For the latest on the storm , view USA TODAY's live updates file for Monday, Aug. 5 .

TALLAHASSEE, Fla. −  Debby  strengthened into a hurricane late Sunday, moving closer to Florida's Big Bend and potentially bringing the threat of life-threatening storm surge  and rain totals that could reach 30 inches in parts of the Southeast by week's end.  show less

Debby, which formed Saturday and became the fourth named storm of the season, strengthened into a Category 1 hurricane, the National Hurricane Center announced late Sunday. The storm is located about 100 miles west-northwest of Tampa, Florida, with maximum sustained winds of 75 mph.

The hurricane, fueled by warm waters of the Gulf, was moving northward at about 12 miles per hour, the National Hurricane Center said. Hurricane force winds extended up to 45 miles from the center and tropical storm force winds extend outward up to 140 miles from the center.

"This potentially historic rainfall may result in areas of catastrophic flooding," Richard Pasch, a senior hurricane specialist with the National Hurricane Center, wrote in a public advisory that warned of a "life-threatening situation."

Floridians were bracing for the state's first hurricane strike this year in a season that forecasters say could become one of the worst on record . Mandatory evacuations were being ordered ahead of Debby in parts of multiple counties. Leon County, home to Tallahassee, was  opening up six shelters  in schools around the county.

A lack of strong steering currents in the atmosphere means Debby will take a slow, soaking stroll after a Florida landfall through the Southeast, making it a multi-state threat. “After landfall, it’s going to slow to a crawl,”  Michael Brennan, hurricane center director, said Sunday.

Gov. Ron DeSantis said Sunday that the Florida National Guard and Florida State Guard were activated to support humanitarian assistance and search and rescue missions. He warned that hazards such as strong winds, storm surge and tornadoes can occur before landfall, even outside the forecasted "cone." Sustained winds could reach up to 95 mph, he said

President Joe Biden declared an emergency across Florida, authorizing the Federal Emergency Management Agency to coordinate disaster relief efforts for the "purpose of alleviating the hardship and suffering caused by the emergency on the local population."

Developments:

∎ The National Weather Services issued a series of flash flood warnings . Warnings are in effect for Manatee and Western Sarasota counties until 11:30 p.m.; Hillsborough, Pasco, and Pinellas have warnings until 11:15 p.m. 

∎ NWS officials issued a tornado watch for much of Northern Florida and Southeast Georgia Sunday evening. The watch covers an area where nearly 12 million people live and is in effect until 6 a.m. Monday. The Storm Prediction Center shared reports of six tornadoes across Florida by around 11 p.m. Sunday.

∎ Nearly 2,000 flights had been canceled and close to 6,300 were delayed as of 5 p.m. ET, according to flight tracking site  FlightAware . American Airlines and JetBlue saw the highest cancellation numbers among major carriers, both scrapping 17% of their schedules.

∎ Carnival Cruise Line’s  Carnival Elation rescheduled its return to Jacksonville for Sunday, rather than Monday as planned. The ship departed from the Florida city for a Bahamas cruise on Thursday,  according to CruiseMapper .

∎ South Carolina Governor Henry McMaster declared a state of emergency Sunday afternoon ahead of any potential impact by Debby. He warned that heavy rainfall early in the week could bring flash foods and that residents should begin storm preparations immediately.

∎ The number of power outages reported throughout Florida climbed to over 75,000 by 11:00 p.m. on Sunday, according to USA TODAY's outage tracker . Over 15% of customers in Levy County reported outages.

'Impacts are going to be from water': Debby shows there's more to a storm than wind scale

Debby aims for Florida's Big Bend

The hurricane center forecasts landfall Monday morning in Florida’s Big Bend − where the state's panhandle meets its peninsula − somewhere between the Suwannee River south of Tallahassee and the Ochlockonee River in the Panhandle west of Tallahassee. Debby will make landfall with a maximum sustained winds of 74 to 95 miles per hour, according to AccuWeather Senior Director of Forecasting Operations Dan DePodwin.

Forecasters issued a hurricane warning for the Florida Gulf Coast from Yankeetown to Indian Pass. They issued a tropical storm warning for the area south of Yankeetown to Boca Grande, west of Indian Pass to Mexico Beach; and Ponte Vedra Beach to South Santee River, South Carolina.

The area between the Suwanee and Ochlockonee Rivers could flood with up to 10 feet of water, the hurricane center reported . Accuweather forecasted even greater surges for the Big Bend region of up to 15 feet.

Road closures in Florida due to flooding

Officials across Southwest Florida began reporting roads closed due to flooding Sunday afternoon ahead of Debby’s expected landfall Monday.

Sheriff Carmine Marceno of Lee County deployed the agency's " swamp buggy ," a 5,000-pound vehicle that can move through waters up to four feet deep to pick up people stranded by the storm, according to public information officer Todd Olmer.

Marceno said roads throughout Fort Myers Beach were flooded . 

Sarasota County officials warned that several roads in the area were shut down due to flooding. The North Casey Key Road was closed, leaving residents unable to get on or off the key ; erosion caused by the storm undermined roads leading into Caspersen Beach near the city of Venice; and rocks used for shoreline stabilization were washed onto the Manasota Key Road by flooding that left the area underwater . 

Sandra Tapfumaneyi, chief of the county’s Emergency Management Agency, urged residents to stay home, call 311 for help and, if on the road, " turn around, don’t drown ."

Areas from Sarasota north through Tampa and Tarpon Springs have already seen an impressive 4 to 8 inches of rainfall, the Weather Prediction Center reported . Forecasters expect the rate of rain falling could increase to 2 to 3 inches per hour and add up to 6 more inches of rain to the total, according to the WPC .

Winds around Tampa Bay became so severe that at 10 p.m. the Florida Highway Patrol announced they were closing the Skyway Bridge .

What makes Debby so dangerous?

Debby is big and slow, making the storm particularly dangerous, especially along the coasts of Georgia and South Carolina. The size and increase in the wind speed as Debby gets organized and potentially becomes a hurricane creates a high risk of life-threatening storm surges along the Florida coast early Monday. The surge will be the highest where the storm crosses the coast.

The hurricane center is forecasting that Debby could rapidly intensify, which could put its winds as high as 90 mph at landfall. That could help push a wall of water 6-10 feet above ground level. The higher level would occur if the storm approaches at high tide.

Clouds ahead of the storm already were reaching across much of Florida on Sunday, and the storm’s center is forecast to move near Savannah on Tuesday night and drag along the South Carolina Coast on Thursday night.

"Multiple days of very, very heavy rainfall" are possible, Brennan said.

The National Weather Service estimates rainfall totals could reach up to 30 inches or more in isolated locations along the coast through Friday. The weather service office in Charleston, South Carolina, called it a "potentially historic rainfall."

Mayor warns residents: Don't rely on first responders

The storm arrived less than three months after a tornado outbreak that brought widespread destruction to Tallahassee. Mayor John Dailey said mutual-aid workers were arriving later in the day from Louisiana and Alabama to help with power restoration and that other crews were ready to respond from across Florida.

“Downed trees are expected,” Dailey said. “Power outages are expected. Localized flooding is expected. Please prepare your household, knowing that there could be a time when first responders cannot reach you.”

− Jeff Burlew, Tallahassee Democrat

Storm could trigger tornadoes in Florida, Georgia

A hurricane warning has been issued for the Big Bend region, according to the National Weather Service . That warning stretches west along the Gulf Coast toward the Ochlockonee River. A storm surge warning was issued from Longboat Key to Tampa Bay.

A few tornadoes are possible through Monday morning, mainly over western and northern Florida and southern Georgia, the hurricane center said.

The weather service's Storm Prediction Center shared reports of six tornadoes on Sunday. The reports came from Hardee, Polk, Pinellas, Union and Columbia counties. The reported tornado in Pinellas damaged a fence and a trailer around 10 p.m.

Swells generated by Debby are expected to affect much of the Gulf coast of Florida through Monday, reach the Southeast U.S. coast on Monday, and continue through the middle of the week.

"These conditions are likely to cause life-threatening surf and rip current conditions," Pasch warned.

A stormy season: Forecasters raise hurricane season prediction after record-breaking Beryl

Debby brought flooding to Puerto Rico

Debby formed in the southeastern Gulf of Mexico after moving westward as a tropical rainstorm during the week. The storm dropped heavy rain over Hispaniola and parts of the Bahamas, and causing flooding in Puerto Rico.

Tropical Storm Debby tracker

Spaghetti models: where tropical storm debby could make landfall.

Illustrations include an array of forecast tools and models, and not all are created equal. The hurricane center uses only the top four or five highest-performing models to help make its forecasts.

When is the Atlantic hurricane season?

The Atlantic hurricane season runs from June 1 through Nov. 30.

The peak of the season is Sept. 10, and the most activity usually happens between mid-August and mid-October, according to the hurricane center.

Contributing: Nathan Diller, Gabe Hauari, Doyle Rice, Anthony Robledo, and Jeanine Santucci of USA TODAY; Kim Luciani and Cheryl McCloud, USA TODAY Network-Florida .