Best for: People who want TD travel points without an income requirement
What’s in each?
- Light:
- Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
- Typical:
- Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
- Big:
- Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
- Yours:
- Your own amounts, saved on this device only
Ranked #40 of 176 for year one. See the list
See how we worked it out- Welcome offer you’d get
- $250
- The full offer. Up to 50,000 TD Rewards points.
- Annual fee
- $0 first year
- Then $89 a year
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?
Do you spend $250 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.
The good and the bad
Stands out
- Good: 6 points per $1 on travel At our value for these points, that’s about 3% back.
- Good: No fee in the first year Then $89 a year.
- Good: Welcome offer up to 50,000 TD Rewards points About $250 at our value for these points.
Watch for
- Watch for: Everything else earns 1.5 points per $1 That’s about 0.8% back, which is low.
- Watch for: $89 a year from year two You need about $250 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.
What you’d earn
With typical spending of $2,500 a month.
TD Rewards points valued at 0.5¢ each.
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
- 6 points per $1 Booked through Expedia For TD
- Groceries
- 4.5 points per $1 Up to $15,000 in spending per year. When you book travel through Expedia® For TD
- Restaurants
- 4.5 points per $1 Up to $15,000 in spending per year.
- Transit
- 4.5 points per $1 Up to $15,000 in spending per year. On regularly recurring bill payments
- Recurring bills
- 3 points per $1 Up to $15,000 in spending per year (shared with other categories).
- Streaming
- 3 points per $1 Up to $15,000 in spending per year (shared with other categories). Streaming, digital gaming and media
- Everything else (base rate)
- 1.5 points per $1
- 3 points per $1 spent on Streaming, Digital Gaming & Media
- 4.5 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
Can your spending get the full offer?
At $2,500 a month, here’s when you’d reach each step.
-
1
15,000 TD Rewards points · about $75
Get approved for the card.
- Make your first purchase
-
2
35,000 TD Rewards points · about $175
Spend $3,000 in your first 6 months.
You’d reach it in month 2.
The annual fee is waived in the first year. Offer ends Dec 29, 2026.
Offer checked on Nov 8, 2026. Source
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.
Checked on Nov 8, 2026. Source
Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.
Other reviewers on this card
-
Hardbacon (opens in a new tab) Jul 20237.6
“At first glance, the TD Platinum Travel Visa* looks like a great card for wanderlusters who want to convert their daily purchases into killer getaways. But upon closer inspection, it’s actually a fantastic card for anyone who wants a flexible rewards program to save money on major budget-busters. Specifically, three kinds of people come to mind; students, Starbucks lovers, and die-hard Amazon shoppers. Heck, it’s a great card for parents who want to help their kids with higher education costs!”
-
Yore Oyster (opens in a new tab) Jan 2023
“The TD Platinum Travel Visa Card is a personal credit card targeted toward Canada's low-income earners. With the The TD Platinum Travel Visa Card you can earn reward points on all purchases and offers excellent rewards if you book your flights via Expedia for TD.”
-
Finder (opens in a new tab) Feb 2021
“The TD Platinum Travel Visa Card offers a welcome bonus, the ability to earn reward points on all purchases and comprehensive travel insurance. The card comes with seven different insurance coverages such as common carrier insurance, car rental insurance, purchase security insurance, lost baggage insurance and fraud protection, with other extra benefits. This card is not for you if you don’t want to pay an annual fee of $89 or don’t travel frequently.”
-
7.8
“This card gives you a fairly good insurance package that includes 6 different types of insurance like travel accident and baggage delay and theft, plus you can know that your purchases are covered by purchase protection and extended warranty.”
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What comes with it
- Car rental damage Included
- Extended warranty Included
- Purchase protection Included
- Travel accident Included
- Flight delay Included
- Baggage delay Included
- Lost baggage Included
- Hotel burglary Included
- Mobile device $1,000 per device
- Flight/Trip Delay Insurance
- Delayed and Lost Baggage Insurance
- Mobile Device Insurance
- Hotel/Motel Burglary Insurance
- 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: travel medical, trip cancellation and trip interruption.
What it costs
- Annual fee
- $0 first year Then $89 a year
- Purchase interest
- 21.99%
- Cash advance interest
- 22.99%
- Foreign currency fee
- 2.5%
All fees and rates
Fees
- Extra cards
- $35
- Fee waivers
- First year: $89 off (Waived on 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
Read the card terms and conditions for the full terms.
Checked on Nov 8, 2026. Source
Similar cards for the same spending
With typical spending. This card: $847 year one, $508 every year after.
-
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Questions people ask
What is the annual fee on the TD Platinum Travel Visa Card?
$0 the first year, then $89 a year. Each extra card costs $35.
How much is the TD Platinum Travel Visa Card welcome offer worth?
Up to 50,000 TD Rewards points, about $250. You get it in 2 steps: 15,000 TD Rewards points when you are approved; 35,000 TD Rewards points after you spend $3,000 in the first 6 months.
Does it charge a foreign transaction fee?
Yes, 2.5% on purchases in other currencies.
What is the interest rate?
21.99% on purchases. Cash advances are 22.99%.
Does it include insurance?
It lists extended warranty, purchase protection, flight/trip delay insurance and delayed and lost baggage 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.
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