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TD Bank

TD Platinum Travel Visa

Start with earn up to 50,000 TD Rewards Points worth up to $370 in value.

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Annual fee
$89
Reward type
TD Rewards
Point value
0.5¢

per point

Typical credit · 640+
TD Platinum Travel Visa✈️ Travel Starter

Welcome bonus

New cardmembers can earn earn up to 50,000 TD Rewards Points worth up to $370 in value by completing the steps below.

How to earn it

  • 15,000 TD Rewards PointsMake your first purchase with the card
  • 35,000 TD Rewards PointsSpend $3,000 within 180 days of account opening
  • Annual fee rebateFirst-year annual fee rebate when conditions are met

New TD Platinum Travel Visa cardholders who apply, are approved, and meet promotional conditions.

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

Built-in perks & coverage

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.

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Visa Infinite-level security features

Includes chip & PIN security, Visa Secure online authentication, fraud alerts, and Click to Pay functionality.

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

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