@Oceangoer2not at all. I have the TD first class infinite card and there are some changes coming effective October 30. The biggest one is the annual fee and it doesn't effect me, is going up to $139 from $120. The points earned on their booking site is decreasing by 1 point to 8. Gas, restaurant and grocery purchases are increasing 3 points so that's great if you eat out a lot. All other purchases are decreasing by 1 point. I am going to compare this to the TD aeroplan card to see if it makes sense for me to switch. I fly Air Canada a lot and free first checked bag is appealing. I just returned from Amsterdam last week on AC and paid $155 for 1 piece of checked luggage.