TD First Class Travel VISA Infinite Card Consumer Reviews

TD Visa provides 21 days free travel insurance. Sounds great; however, their underwriter is Allianz Global Assistance. We had a simple claim for a lab test and prescription in the USA. We paid the prescription and the lab fee was direct billing. We received the runaround for 6 months - I paid both bills after 3 months but kept on pursuing the insurance just to see how bad they were. They have asked for 4 different letters from the lab for billing. All looking for information already provided e.g. "We require the Provider's name and designation to process", "We require a Federal Tax ID number to process". It was a good thing, it wasn't something major or I would be footing the bill.

Terrible card. I initially got this card to use for travel... because who doesn't like a credit card points vacation! Firstly, I accumulated such a little amount of points over a 2 year period. I make more money than the average person in Alberta and use my card for all purchases. I went to Europe right after I received the card and booked plenty of accommodations through Expedia, but I did not use the "expedia for TD" website, therefore I was not awarded my triple points (I even called customer service twice). Not using the right website was my fault, but the time it takes to get points is embarrassing. I switched to the Westjet card and in 4 months I already have half of the expedia dollars I did after 2 years. Second point, expedia is just awful. If you like paying full price and sometimes more, use expedia. They are terribly expensive for everything. I like to spend my money wisely and get the best deal, but expedia is a constant let down. I'm in SE Asia currently and have constantly been using Agoda, expedia is often twice as much. Lastly, the website for the TD rewards is horrific. Website is easy to use, but it only works half of the time and when it does work it's like you're using dial-up internet from 1999. Oh, and the online mall full of items that you'll never be able to afford. The financial advisor at TD recommends this card to me so much. I couldn't believe how much she said her family loved it.... good get. Seriously, skip this card.

The TD Rewards online platform is by far the worst loyalty platform I have ever had to use. It keeps going down for days, then your credentials get reset randomly and the only way to get back in is to call support because their retrieve password system just simply doesn't work.

Also, it's a platform for a mediocre reward program, yet they ask you for a password that uses (1) lower case letter (2) upper case letter (3) special character and (4) numbers. Absolutely ludicrous. They also ask you for 3 personal security questions out of a short list to choose from, so you are guaranteed to never remember what you answered to these stupid questions. Oh and the webpage will crush if you include special characters in your answers, like an accent for someone's name lol.

A total joke.

Lastly the way to redeem points and see what your points are worth is confusing to say the least. It's clear they are pushing the bad deals first.

If things are working this card offers a pretty good value, but quite often things are just not working. I've been trying to book a few flights for the last 4 days, and the TDrewards.com is just not working. On day one it was just acting stupid not letting me access my account, but in the last 3 days it doesn't even open in the browser. Calling the support is not easy either, they are only open on Monday to Friday during the day - makes it almost impossible for working people to contact them.
I really feel for people who booked travel with TDrewards, and can not access their reservations for days. Hopefully they are not sleeping under the bridge in a foreign country :(

The TD Visa CC due dates keep changing making it impossible to keep track of your payment dates. TD is the only Visa I know of in North America that uses this tactic with no email alert provisions for payment due dates.This is a deliberate tactic used to extort late fees from its clients. TD is the worst bank I have dealt with in 50 years of business and personal banking. They should be sued for unethical business practices.