The ClearFin bottom line
✈️ Travel Starter
Its strongest published earn rate in our data is 3.0% on travel. The $89 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD Platinum Travel Visa
Start with up to 50,000 TD Rewards points plus a first-year annual-fee rebate, worth about $250.
Independent comparisonFees includedCanadian card data
- Annual fee
- $89
- Reward type
- TD Rewards
- Welcome offer
- 50,000 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
✈️ Travel Starter
Welcome bonus
Up to 50,000 TD Rewards points plus a first-year annual-fee rebate
New cardmembers can earn up to 50,000 TD Rewards points plus a first-year annual-fee rebate by completing the steps below.
Offer details
New-account eligibility, purchase, spending and account-standing conditions apply.
How you earn
- Earn 6 TD Rewards Points per $1 spent on travel booked through Expedia For TD
- Earn 4.5 TD Rewards Points per $1 spent on groceries, dining, and public transit
- Earn 3 TD Rewards Points per $1 spent on recurring bill payments and streaming, digital gaming & media
- Earn 1.5 TD Rewards Points per $1 spent on all other purchases
- Welcome bonus of up to 50,000 TD Rewards Points
- Points can be redeemed for travel, statement credits, or past purchases
- Points do not expire as long as the account is open and in good standing
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$89First year free
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Additional card$35
Recommended credit score640+ Fair to Good (Near-prime to mid-prime tier)
Not explicitly disclosed by issuer.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on TD credit underwriting assessment combined with eligibility criteria including Canadian residency and age of majority. Unlike Visa Infinite products, this card does not specify strict income or credit thresholds.
Reward limits: No explicit total annual earning caps are disclosed. However, accelerated earn rates apply within defined spend thresholds.
Earning cap
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Use eligible TD Rewards points for travel through Expedia for TD or other travel options available under the program.
Redeem for eligible statement credits, education credits, gift cards, merchandise, and participating Shop The Mall purchases; values vary.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Flexible TD Rewards redemption
Redeem TD Rewards Points for travel, statement credits, or past purchases with flexible options through the TD Rewards program.
Expedia for TD travel booking integration
Use Expedia for TD to book travel and maximize value when redeeming TD Rewards Points.
No blackout dates or seat restrictions
Redeem points for travel without blackout dates or seat restrictions when booking through Expedia for TD.
No points expiry
TD Rewards Points do not expire as long as the account remains open and in good standing.
Travel insurance coverage suite
Includes travel-related protections such as trip delay, baggage delay/loss, rental car insurance, and common carrier travel accident coverage.
Purchase security and extended warranty
Covers eligible purchases against theft or damage for 90 days and extends manufacturer warranties.
Car rental savings
Discounts available with Avis and Budget car rentals in Canada, the U.S., and internationally.
Mobile wallet compatibility
Supports Apple Pay, Google Pay, and Samsung Pay for secure contactless payments.
Show all 9 benefitsShow fewer
Visa Infinite-level security features
Includes chip & PIN security, Visa Secure online authentication, fraud alerts, and Click to Pay functionality.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Strong TD Rewards earning structure with elevated multipliers: 6x on Expedia for TD travel, 4.5x on groceries/dining/transit, 3x on recurring bills and streaming, and 1.5x on all other purchases
- Flexible redemption with TD Rewards Points usable for travel, statement credits, past purchases, and everyday rewards with no blackout dates or seat restrictions
- Comprehensive travel and purchase protection benefits including travel insurance suite, purchase security, extended warranty, and mobile device protection
Worth noting
- Foreign transaction fee of 2.5% reduces value for international spending and limits global optimization
- Rewards ecosystem is heavily dependent on Expedia for TD for maximum value, creating platform lock-in
- Accelerated earn categories are subject to annual spend limits (e.g., $15,000 caps), restricting scalability for high spend users
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Travel Starter
6x TD Points via Expedia for TD. 4.5x on groceries, dining & transit. 3x on bills & streaming. 1.5x on everything else.
How the rewards work
Travel receive the strongest estimated return at 3.0%. Purchases outside the accelerated categories earn an estimated 0.75%.
What the annual cost means
Using the strongest estimated category return alone, roughly $3,000 in annual spending at that rate would equal the $89 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on travel and dining and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.