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Mr. Loonie
TD Business Travel Visa Card

TD Business Travel Visa Card

7.3
Good
Expert Score · 2 reviews How we score

Best for: Business owners who want TD points on travel, dining and bills

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$2,248
Every year after
$1,199

Ranked #6 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$900
All of year one’s offer. Up to 200,000 TD Rewards points.
Annual fee
$0 first year
Then $149 a year
Apply now on TD’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Do you spend $300 or more a month on travel?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 9 points per $1 on travel At our value for these points, that’s about 4.5% back.
  • Good: No fee in the first year Then $149 a year.
  • Good: Welcome offer up to 200,000 TD Rewards points About $1,000 at our value for these points.

Watch for

  • Watch for: $149 a year from year two You need about $300 a month on travel to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With small team spending of $6,000 a month.

TD Rewards points valued at 0.5¢ each.

  • Office supplies $30
    2 points per $1 · 1% back $250 a month · 6,000 TD Rewards points a year
  • Shipping $24
    2 points per $1 · 1% back $200 a month · 4,800 TD Rewards points a year
  • Phone and internet $108
    2 points per $1 · 1% back $300 a month · 21,600 TD Rewards points a year
  • Software $48
    2 points per $1 · 1% back $400 a month · 9,600 TD Rewards points a year
  • Online ads $72
    2 points per $1 · 1% back $600 a month · 14,400 TD Rewards points a year
  • Gas $60
    2 points per $1 · 1% back $500 a month · 12,000 TD Rewards points a year
  • Restaurants $144
    6 points per $1 · 3% back $400 a month · 28,800 TD Rewards points a year
  • Travel $216
    9 points per $1 · 4.5% back $400 a month · 43,200 TD Rewards points a year
  • Everything else $318
    2 points per $1 · 1% back $2,650 a month · 63,600 TD Rewards points a year
  • Foreign currency $108
    6 points per $1 · 3% back $300 a month · 21,600 TD Rewards points a year
For you Year one Later years
Points you earn225,600 TD Rewards points a year, at 0.5¢ each $1,128 $1,128
Welcome offer180,000 TD Rewards points you’d reach $900 $0
Annual fee $0 −$149
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Travel medical insurance2 trips at $50 $100 $100
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Total $2,248 $1,199

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Travel
9 points per $1 Booked online through Expedia For TD
Restaurants
6 points per $1 Up to $80,000 in spending per year (shared with other categories).
Transit
6 points per $1 Up to $80,000 in spending per year (shared with other categories). On recurring bill payments
EV charging
6 points per $1 Up to $80,000 in spending per year (shared with other categories).
Streaming
6 points per $1 Up to $80,000 in spending per year (shared with other categories). Streaming, digital gaming and media
Recurring bills
6 points per $1 Up to $80,000 in spending per year (shared with other categories).
Foreign currency
6 points per $1 Up to $80,000 in spending per year (shared with other categories).
Everything else (base rate)
2 points per $1

6 points per $1 spent on Foreign Currency Purchases

6 points per $1 spent on Streaming, Digital Gaming & Media Purchases

6 points per $1 spent on Electric Vehicle Charging

6 points per $1 spent on Public Transit

How TD Rewards points work, and why 0.5¢

We count TD Rewards points at 0.5¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.22¢ to 0.5¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    30,000 TD Rewards points · about $150

    Get approved for the card.

    • Make your first purchase
  2. 2

    120,000 TD Rewards points · about $600

    Spend $15,000 in your first 6 months.

    You’d reach it in month 3.

  3. 3

    30,000 TD Rewards points · about $150

    Spend $25,000 in your first 12 months.

    You’d reach it in month 5.

  4. 4

    20,000 TD Rewards points · about $100

    Keep the card for a year.

    • Make any Purchase; Between the first and last day of the 15th month billing cycle

The annual fee is waived in the first year. Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.3
Good
Expert Score How we score
  • Yore Oyster (opens in a new tab) Dec 2022

    “TD Business Travel Visa Card is a personal credit card targeted toward small business owners in Canada. With bonus rewards of up to 150,000 points when you spend up to $2,500 per month within the 1st 12 months, the card is excellent for accumulating reward points. The card also offers comprehensive travel insurance, making it an excellent option for travel purposes.”

  • My Rate Compass (opens in a new tab) Aug 2020
    6.6

    “The TD Business Travel Visa offers businesses a convenient way to track and manage spending, while earning flexible rewards on common business expenses. Its travel insurance and rental car benefits provide added value for businesses whose employees travel regularly for work. This card recognizes that running a business requires regular spending, and it provides a way for businesses to make the money they are already spending go a bit further.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $2,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Visa SavingsEdge Program
  • Trip Cancellation/Trip Interruption Insurance
  • Flight/ Trip Delay Insurance
  • Emergency Travel Assistance Services
  • Delayed and Lost Baggage Insurance
  • Save with Avis® Rent A Car and Budget® Rent A Car
  • Chip & PIN technology
  • Visa payWave Technology
  • Emergency Cash Advances
  • Visa Checkout
  • Mobile wallets Apple Pay, Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read TD’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: mobile device.

Fees and interest

What it costs

Annual fee
$0 first year Then $149 a year
Purchase interest
19.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$49
Fee waivers
First year: $149 off (Get a rebate for the first year)
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With small team spending. This card: $2,248 year one, $1,199 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD Business Travel Visa Card?

$0 the first year, then $149 a year. Each extra card costs $49.

How much is the TD Business Travel Visa Card welcome offer worth?

Up to 200,000 TD Rewards points, about $1,000. You get it in 4 steps: 30,000 TD Rewards points when you are approved; 120,000 TD Rewards points after you spend $15,000 in the first 6 months; 30,000 TD Rewards points after you spend $25,000 in the first 12 months; 20,000 TD Rewards points on your first card anniversary.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

19.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation/trip interruption insurance and flight/ trip delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$2,248
year one for you
Apply now on TD’s site (opens in a new tab)
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