 Hello everyone, this is financial author Ahmed Dan of ameddan.com on this channel You'll find financial travel and more videos just like the one you're watching right now If you like what you see, please give it a thumbs up and consider subscribing Hello everyone, this is financial author Ahmed Dan of ameddan.com today. I'll have another episode of unboxing and Review video and I'll be presenting the TD first-class visa infinite travel credit card The TD first-class travel visa infinite credit card is a Travel credit card that gives you TD rewards points and it has some insurance Benefits or features and I'll go through all of them and I'll provide my analysis and insights on this card So let's start with the unboxing and I'm expecting this video about 10 minutes long So here's the full package which I just received in the mail And I'll just take out the whole thing out of the envelope so I'll put this here So this is what is the full package looks like so first thing is the welcome letter and then the card is attached on the back of it, which I'll come to Very shortly and then here You get a information folder or information brochure and Let's take a look at that. So the name of the card is TD first-class travel visa infinite card and The information brochure is very nice looking brochure And it just outlines what you get with this card and what type of benefits and features you have So I'll go through how many points you earn per dollar spent and everything a little later. So let's just flip through it very fast and it has the travel rewards here and then It talks about how to redeem them which can be done through Expedia for TD travel website and It has travel protection insurances. So it has some emergency medical insurance and other Insurances which is right here and I'll just go over them briefly. So it has travel medical insurance Up to one million dollars and you're covered for 21 days if you are Under 65 but if you're over 65 then it's only for four days and then here you have trip cancellation insurance trip interruption insurance and travel accident insurance and Auto rental and collision a loss damage insurance delayed and lost baggage insurance emergency travel assistance insurance and So it has all insurances. However, it doesn't come with flight delay insurance Which I do not see it here and because of being a part of that infinite series card you will have access to visa infinite Concierge services and also visa infinite a luxury hotel privileges and other infinite Services they provide for any visa infinite card. So this is not just the infinite visa infinite Features would apply to any infinite freight cars not just for TD travel first-class travel freight car and There are other parts and benefits which I'll Not need to go through and Let's take a look here so there's just other security features and Other benefits Okay, so I don't see anything else to discuss here So I'll just set it aside here for now and let's take a look at these here Here is the Quake card balance protection insurance. You don't need that. I do not recommend taking that. It's just Something they're trying to sell you Balance protection insurance. So I'll put it here and then for Quebec residents Residents only I'll put it here and then here is the card holder agreement and benefit coverage guide And it outlines actually everything here in detail so you'll be able to Find everything about The insurance coverage and benefits and everything. So what I'll do I have something here, which I'd like to show you So here this If you look at on page 19 Where it tells you about the value of the TD points? You'll be earning with this card. So for example Every 250 TD points up to the first 300,000 points Can be redeemed for a travel purchase of $1,200 and So what it means that When you redeem up to 300,000 points, then you'll get the value of one dollar From every 250 points. So that gives you 40 cents per point flat rate so 40 cents per point if you redeem up to $1,200 travel purchase or travel Expenses or if you redeem up to 300,000 TD points. So that's a lot and most people Will be within this threshold when you try to redeem TD points and you get actually slightly better rate If you are going above anything above this first 300,000 points, then you get 200 points for $1. However, I'm not going to talk about the second section here Because most people will stay within this range. So your value is going to be 250 points Per $1. So that gives you 40 cents per dollar. So now I'm going to come back to This Information letter here. So if you look at here the way the TD points works is that You'll you'll be earning nine points for every one dollar Purchases made only online via Expedia for TD So when you use Expedia for TD website to book your purchases or buy anything travel related Then you're gonna get three point sixty percent return or three point six percent return for Your money for your spend because you're getting nine points and nine times forty cents is three point six zero That's a good rate of return. However, the catch is it has to be done via Expedia for TD And then if you're redeeming if you're booking or buying anything any travel purchases On phone not online on phone through Expedia For TD then you're gonna be getting six points that gives you brings down your rate of return to 2.4 percent because you'll be getting six points. So six times 40 is 2.4 percent per $100 so if you're doing the same thing over the phone and for everyday purchases You're earning only three points for per one dollar spent Which is giving a rate of return of three times point four zero Which is only one point two percent rate of return for everything else except These two so I would say that's a very bad rate of return. That's a poor rate of return so this card shouldn't be your primary card for everyday purchases and the fact What I don't like about this card is that it's forces you to buy everything online through Expedia for TD and you may not want to buy everything from Expedia for TD because I don't like buying anything from Expedia and The fact that they're forcing you to do that is should be a main concern To keep this card for long. So that's the negative side about this card And although it gives you all the travel insurance and everything However, it's not giving you any annual bonus or any priority pass access Although it's giving you a priority pass or lounge access although it's giving you discounts on priority pass But that's not going to do a lot of benefit because you're still paying it But you're just getting slight discount. So for that reason This card may be good only for those who would do everything through Expedia for TD, but even though even though if you do that then when you're purchasing all other Everything if you're purchasing all other categories Then your rate of return is going to come down to 1.20 which is a poor rate and then we have here Take a look here. So all other information on this site. Now, let me take out the Credit card, so I'll put it aside here. So here's the how the card looks like so TD First-class travel visa infinite card So what I can see that change the looks of this card. It used to look different before So now they change the layout and how the card looks and I I actually like the older design better than this design. This looks too simple and just looks Just like a regular credit card. It doesn't look like a Premium travel credit card. So that's What the TD first-class travel visa infinite looks like So to wrap it wrap up everything this card would make sense if you're buying everything via Expedia for TD for because you're getting 3.6 percent rate of return for everything else You're only getting a poor 1.2 percent return. There is no added benefits For example anniversary bonus or lounge access or anything. So at the end this card, I just recommend To those who would be heavily spending on Expedia for TD and not anything else and Also good for insurance coverages, but keep in mind that you're not getting some insurances for example Flight dealer insurance, although it has all other insurances And I believe it doesn't have hotel motel burglar insurance as well So that's my take on the TD first-class Travel visa infinite card. If you like what you see, please give it a thumbs up and consider subscribing There will be more videos coming up. So I'll see you shortly. Thank you