Expired Hot Deals

[TD First Class Visa Infinite] TD First Class Visa Infinite up to 50,000 points and FYF [offer extended to March 1, 2018]

  • Last Updated:
  • Sep 10th, 2018 12:32 pm
Deal Fanatic
User avatar
Aug 15, 2003
8012 posts
71 upvotes
Anyone have a problem with this card?? I thought back in 2017, customer had up to 1 YEAR to Redeem "Any Travel" expense. Now it's saying you must redeem it after 90 days. Did that change??

To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com 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 Points will be redeemed from the TD Points balance available at the time the TD 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 Points redeemed.
Deal Expert
Mar 23, 2009
15640 posts
3043 upvotes
Toronto
MtX wrote:
Jul 12th, 2018 9:31 pm
Anyone have a problem with this card?? I thought back in 2017, customer had up to 1 YEAR to Redeem "Any Travel" expense. Now it's saying you must redeem it after 90 days. Did that change??

To redeem TD Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com 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 Points will be redeemed from the TD Points balance available at the time the TD 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 Points redeemed.
90 days? Really? That would be difficult then.

I was thinking of switching to this card from my TD Cash Back Visa Infinite, but the redeeming rules seem to restrictive.

However, I want to get a card with trip cancellation/interruption insurance. Not sure what to get. Currently I'm using a SimplyCash Preferred Amex 2% cash back.
Deal Addict
User avatar
Jan 4, 2011
1217 posts
1004 upvotes
Montreal
EugW wrote:
Jul 13th, 2018 7:55 pm
90 days? Really? That would be difficult then.

I was thinking of switching to this card from my TD Cash Back Visa Infinite, but the redeeming rules seem to restrictive.

However, I want to get a card with trip cancellation/interruption insurance. Not sure what to get. Currently I'm using a SimplyCash Preferred Amex 2% cash back.
Why would that be difficult? Would you not redeem your points as soon as you make you travel purchase? When I had the card, as soon as I made a travel purchase, I would redeem all my accumulated points immediately on the transaction.
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User avatar
Aug 15, 2003
8012 posts
71 upvotes
efrant wrote:
Jul 13th, 2018 8:00 pm
Why would that be difficult? Would you not redeem your points as soon as you make you travel purchase? When I had the card, as soon as I made a travel purchase, I would redeem all my accumulated points immediately on the transaction.
Cause the AMEX gold lets you redeem 1 year after the transaction, if you're not planning to keep this card for more than a year you're forced to redeem it early which might not be optimal
Deal Addict
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Jan 4, 2011
1217 posts
1004 upvotes
Montreal
MtX wrote:
Jul 16th, 2018 7:23 pm
Cause the AMEX gold lets you redeem 1 year after the transaction, if you're not planning to keep this card for more than a year you're forced to redeem it early which might not be optimal
Sorry, I'm probably a little slow, but I'm still confused. If I get this card, and don't plan on keeping it for more than a year, I will still redeem my accumulated points on travel expenses as soon as I make those expenses. Make a travel expense. Redeem accumulated points. Repeat. Why would that be any different whether I keep it for less than a year or more than a year? It's not like by saving the points they will increase in value.

As for the Amex Gold, you can redeem the points one year after the transaction, but if you are planning to use them as a credit on travel expenses like with the TD card anyway, I'm not sure why you would wait more than three months to do it. The only time I can see it making sense is if someone doesn't really have travel expenses except for one big one, then one could spend on the card and apply it to that one travel expense.
Deal Addict
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Dec 15, 2005
1867 posts
107 upvotes
Toronto
Ok, I have churned the points on this card and now thinking whether or not to cancel as I already have Aspire Travel Mastercard Neutral Face

Is there any other promo offer available out there when transferring the card or should I just go ahead and cancel it?
Deal Addict
User avatar
Dec 10, 2004
4699 posts
751 upvotes
Thornhill
Not sure if I said it but they gave me 2nd year free automatically, just saw the credit of $120 and then $120 was taken... Not sure why.
Jr. Member
Apr 23, 2017
191 posts
104 upvotes
dazz wrote:
Jul 27th, 2018 11:33 am
Not sure if I said it but they gave me 2nd year free automatically, just saw the credit of $120 and then $120 was taken... Not sure why.
if you have an all-inclusive account with them, one of the benefits is that they will waive your annual credit card fee as long as your account is in good standing! This card is eligible for the rebate
Deal Addict
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Dec 10, 2004
4699 posts
751 upvotes
Thornhill
yugsekwaf wrote:
Jul 27th, 2018 11:36 am
if you have an all-inclusive account with them, one of the benefits is that they will waive your annual credit card fee as long as your account is in good standing! This card is eligible for the rebate
I do not have any other accounts with them, just a line of credit and credit card.
Member
Jun 7, 2006
201 posts
35 upvotes
anyone get this deal last sept/oct and are coming up to their 1 year 120$ renewal and going to cancel. wondering what the next best game plan is?
right now im trying to figure out how to redeem the last of my travel points before cancelling then not sure what to replace card with
Member
Oct 29, 2016
259 posts
81 upvotes
jpistone wrote:
Aug 9th, 2018 12:40 pm
anyone get this deal last sept/oct and are coming up to their 1 year 120$ renewal and going to cancel. wondering what the next best game plan is?
right now im trying to figure out how to redeem the last of my travel points before cancelling then not sure what to replace card with
This card was my daily driver for many years. Yes, not the best earn rate (1.2%) but I didn't really know any better
In Feb 2018 I finally downgraded the card to basic TD Rewards.
My plan is to split off some of the CL on the card, and then upgrade back to TD FCT for the deal next time it posts.
Newbie
Nov 29, 2017
89 posts
15 upvotes
It's getting tougher & tougher to get any deal from them these days. At the moment, TD has an offer for this card until Aug 27 but you can only apply online with a NEW application (i.e. no more product switch) and you are not entitled to the FYF & bonus (20K + 20K = $200 if you can redeem from TD Expedia) if you have applied the card in the last 6 months (not sure if just referred to the application date or if you are holding the card in the last 6 months). The FYF is a statement credit after 2-3 months. Just wondering if anyone wants to take this risk plus possibly a credit hit!
Sr. Member
Jun 9, 2011
652 posts
30 upvotes
TORONTO
bizee-bee wrote:
Sep 8th, 2018 1:11 pm
I'm not seeing the FYF. Is it hidden? Or are my vision receptors bent?
It's under "Legal":

21 The full Annual Fee rebate offer is for the Primary Cardholder, for the first year, for new TD First Class Travel Visa Infinite Card Accounts (“Account”) only. The full Annual Fee will be reversed within 2 monthly statements from the date of the charge. Annual Fee for any Authorized User Cards added to the Account continues to apply. Full Annual Fee will be charged to the Account after the first year. Existing TD First Class Travel Visa Infinite Cardholders are not eligible for this offer. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not transferable.

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