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TD Travel Credit Cards in Canada

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TD First Class Travel® Visa Infinite* Card

• Annual Fee $139
• Interest: Purchases 20.99%
• Interest: Cash Advances 22.99%
• Additional Cardholder 2 $50

$50  for the first Additional Cardholder; $0  for subsequent Additional Cardholders.

• $60,000 personal or $100,000 household annual income.
• You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to  $800  in value 18  including up to 100,000 TD Rewards Points, no Annual Fee for the first year 1  and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points 22 .
• Get an annual TD Travel Credit 23  of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year 1 .  

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

At a glance

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Your Card also allows you to enjoy:

• An annual TD Travel Credit  23  of $100 when you book at Expedia ®  For TD.
• TD Rewards Birthday bonus 22  that helps you celebrate in style.
• An extensive suite of travel insurance coverages which helps you travel prepared.
• No travel blackouts 5 , no seat restrictions 5  and no expiry 25  for your TD Rewards Points as long as your account is open and in good standing.

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21  plus earn an annual  Birthday Bonus 22  of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Redeem your TD Rewards Points how you want, for what you want 

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

• Go Places on Points Your Points are worth more when you redeem through Expedia® For TD:  Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3  your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 :  You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Financial Rewards Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

Explore the travel benefits and insurance coverages included with your Card:

• $100 TD Travel Credit 23 Each year, you will receive one  $100.00  TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Common Carrier Travel Accident Insurance 10 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
• Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
• Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our  Credit Card Travel Insurance Verification Tool .
• Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the  Benefit Coverages Guide  for more details.

Additional Benefits & Features

• TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply.  Learn more .
• Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14  in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14  internationally, on qualifying car rentals at participating Avis and Budget locations.
• Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted -  These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

• Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
• Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
• Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
• Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
• Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ®  Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
• Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
• Chip & PIN technology: TD  Visa *  Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
• Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
• Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
• Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa  Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile.  Learn more .
• Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card.  Learn more .

Optional Benefits

• Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call  1-866-315-9069  or visit  tdcanadatrust.com/BP .
• Option to purchase TD Auto Club Membership 16  and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ®  for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite *  Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of March 5, 2024 unless otherwise indicated and subject to change.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
• Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
• Additional Bonus of 80,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $400);

2  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4  The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5  Subject to carrier/space availability.

6  Expedia For TD is operated by Expedia, Inc. at  ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

7  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

13  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

15  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16  TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

20  Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”).  $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your TD Rewards Program Terms & Conditions (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.  Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21  Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

22  The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23  In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25  TD Reward Points do not expire as long as you are a Cardholder.

26  The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27  You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to  complete terms and conditions , including third-party suppliers’ terms and conditions. The  Visa Infinite privacy policy  applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively  “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

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Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

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TD Platinum Travel Visa Card Review 2024

Updated: Mar 5, 2024, 12:47pm

The TD Platinum Travel Visa has plenty to offer, like no annual fee the first year, the ability to earn TD Rewards Points on purchases and a generous welcome bonus . However, when you look a little closer, there are some drawbacks, like conditions and caveats aplenty. Still, within the landscape of travel cards , the TD Platinum Travel Visa Card shines, but not nearly as bright as the competition. The main reason? Its affiliation with Expedia, both the card’s greatest strength and, paradoxically, its biggest limitation. That’s because the card’s offers are largely confined to Expedia getaways, demanding loyalty you may not want to give so readily.

• Generous welcome bonus.
• Better rewards program than most TD cards .
• Similarly-priced cards have better travel perks

Table of Contents

Introduction, quick facts, td platinum travel visa* card rewards, td platinum travel visa* card benefits, how the td platinum travel visa* card stacks up, methodology, is the td platinum travel visa* card right for you.

• Advertiser's Disclosure

Featured Partner Offers

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (rebated in the first year, account must approved by June 3, 2024)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

Travel rewards for a low annual fee? Get the TD Platinum Travel Visa Card.

On TD’s Website

• Earn up to $370 in value†, including up to 50,000 TD Rewards Points†. Conditions apply. Account must be approved by September 3, 2024.
• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening†.
• Pay no annual fee for the first year
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn up to 6 TD Rewards Points for every $1 spent on Expedia ®  for TD †  
• Earn 4.5 TD Rewards Points on every $1 you spend at your favourite eateries and grocery stores
• Earn 3 TD Rewards Points for every $1 of your recurring bill payments
• Earn 1.5 TD Rewards Points for every $1 you spend on everything else
• Includes travel insurance coverage
• Benefit from no travel blackouts, no seat restrictions and no expiry for your TD Rewards Points (as long as your account is open and in good standing)
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

When you think about a credit card that ties its perks to a popular online travel agency, TD Platinum Travel Visa Card immediately comes to mind. It’s almost as if TD had a tête-à-tête with Expedia and, together, they concocted an array of credit card benefits suited for the travel-savvy cardholder. If you’ve got a penchant for frequently booking through Expedia, TD Platinum Travel Visa Card isn’t just an option—it’s one of the best options. The world of travel rewards credit cards is vast, and in that sea TD Platinum Travel Visa stands out like a beacon for travellers anchored to Expedia.

Yet, while this card seems bespoke to a specific audience, what about the travellers who don’t necessarily pledge allegiance to Expedia? Here’s where things get a bit murky.

Do we love the fact that there’s no annual fee for the first year, a juicy introductory perk that could see you pocketing up to 50,000 TD Rewards Points? Absolutely. Is it phenomenal that you can bag 6 TD Rewards Points for every $1 on bookings through Expedia and up to 4.5 TD Rewards Points for every $1 you spend on everything else? Again, a resounding yes.

But, in the larger landscape of travel cards, where some offer travel perks like lounge access or extravagant concierge services, TD’s card feels a tad limited. Avid globe-trotters might find themselves yearning for a few more travel-related luxuries.

Would we recommend the TD Platinum Travel Visa Card? If Expedia is your go-to travel companion, yes, without any hesitation. But if you’re an indiscriminate traveller who casts a wider net to find the best deal, this might not be your catch of the day.

• Annual fee: Waived for the first year, then it’s $89 per year
• Reward rate: Ranging from 1.5 to 6 TD Rewards Points across diverse spend categories
• Flexibility: Points can be used for travel, merchandise or bill payments
• Introduction offer: Up to $370 in value and 50,000 TD Rewards Points, with certain conditions
• Insurance coverage: Comprehensive travel insurance included

Earning Rewards

Jumping into the rewards scene Collecting rewards with the TD Platinum Travel Visa Card can feel like striking gold. Each bite at a restaurant or grocery run puts 4.5 TD Rewards Points in your pocket. Your recurring bills? A nifty 3 points for each $1 you spend. And every other purchase earns you a steady 1.5 points. In the bustling world of reward credit cards, this one can hold its own. Plus, the TD Platinum Travel Visa Card offers a distinct Expedia advantage, turning everyday expenses into potential travel adventures.

Redeeming Rewards

With the TD Platinum Travel Visa Card’, you can convert your hard-earned points into exciting getaways on Expedia, choosing from a plethora of destinations. TD and Expedia have made redeeming points easy, so you can harness the full potential of your rewards on Expedia® For TD. You can also use your accumulated points to splurge on merchandise, even Amazon purchases. Plus, you can use TD Rewards Points to lower your credit card balance. While some cards make you jump through hoops for redemptions, TD’s portal makes redeeming your TD Rewards Points a breeze.

Rewards Potential

Savvy spenders who harness the card’s earning potential could pocket an impressive number of points towards travel, merchandise and more. Based on how Canadians typically spend, Forbes Advisor Canada estimates that cardholders can see an annual return of $312.42 worth of points, with the annual fee factored in, when you book travel with Expedia. When you book travel elsewhere, the annual return drops to $292.82 worth of points, with the annual fee factored in.

• First-year perks: No annual fee and up to 50,000 TD Rewards Points (Up to $370 in value)
• Dine and dash to points: Enjoy 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores
• Expedia euphoria: Be the traveller that gets 6x TD Rewards Points for every $1 you spend on Expedia bookings, ensuring every trip, big or small, becomes a rewarding journey
• Security and peace of mind: Rest easy with comprehensive travel insurance that ensures that your voyages remain hiccup-free

Interest Rates

• Regular APR Min: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 1% ($3.50 minimum and $10 maximum)
• Balance Transfer fee: 3% maximum
• Foreign Transaction Fee: 2.5%
• Annual Fee: $89 (Get an annual fee rebate in the first year; account must be approved by September 3, 2024)
• Over Limit Fee: $29.00
• Late Payment Fee: $0

When evaluating the TD Platinum Travel Visa Card against some of its competitors, namely the TD Aeroplan Visa Platinum , American Express® Aeroplan®* Reserve Card and CIBC Aeroplan Visa Infinite Card, it’s clear that each has its unique strengths. While they may cater to different traveller preferences, from Expedia loyalists to Air Canada aficionados, picking the most suitable one for you depends on your travel habits, reward preferences and fee comfort levels.

TD Platinum Travel Visa Card vs. TD Aeroplan Visa Platinum Card

At face value, both cards come with an identical annual fee and APR, and both are generous with their first-year annual fee rebates. Yet, they’re tailored to different travellers. If Expedia is your go-to for travel bookings, the TD Platinum Travel Visa Card’s 6-point-per-$1 earn rate is unmatched. That said, TD Platinum Travel Visa Card offers a hearty welcome in the form of 50,000 TD Rewards Points, while TD Aeroplan Visa Platinum welcomes new cardholders with a 20,000 Aeroplan Point offer. But here’s the twist: TD Aeroplan Visa Platinum Card’s potential $500 value, along with the versatility of earning points in multiple ways, may out-woo the frequent traveller. However, for the everyday spender leaning into travel, TD Platinum Travel Visa Card’s reward structure, especially with groceries and dining , holds an edge.

TD Platinum Travel Visa Card vs. American Express® Aeroplan®* Reserve Card

When deciding between the TD Platinum Travel Visa Card and American Express Aeroplan Reserve Card, travellers have a lot to unpack. TD Platinum Travel Visa Card offers an attractive welcome bonus and a more affordable annual fee, especially with the first-year waiver. It’s also the perfect choice for dedicated Expedia customers looking to earn more rewards, faster than ever, on their getaways. On the flip side, the American Express Aeroplan Reserve Card offers a superior range of travel benefits, from lounge access to comprehensive insurance. But, with its higher annual fee, it’s geared towards frequent Air Canada travellers who’ll make the most of its perks. For the budget-conscious, TD Platinum Travel Visa Card takes the lead, but American Express Aeroplan Reserve Card is unrivalled when it comes to premium Air Canada perks.

TD Platinum Travel Visa* Card vs. CIBC Aeroplan Visa Infinite Card

Pitting the TD Platinum Travel Visa Card against the CIBC Aeroplan Visa Infinite Card is an exercise in balance. Both cards offer strong travel rewards, but they cater to slightly different demographics. TD Platinum Travel Visa Card, with its Expedia tie-in, is a dream for the site’s loyalists. Its annual fee is also modest, which is appealing for cardholders who balk at high yearly charges. Conversely, the CIBC Aeroplan Visa Infinite Card leans heavily into its Air Canada affiliation, granting perks like free checked bags and priority boarding. The card’s insurance coverage is also commendable. If you’re after broader travel flexibility and a cheaper fee, TD Platinum Travel Visa Card is your go-to. But, for frequent Air Canada flyers, CIBC Aeroplan Visa Infinite Card stands out.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses, and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

In short, the TD Platinum Travel Visa Card is a stellar choice for cardholders who frequently use Expedia. If you’re looking to cash in on a generous welcome bonus without a hefty annual fee, this is the card for you. It’s particularly suited to users who dine out or spend heavily on groceries , given the rewards rate. However, if you’re a travel enthusiast in search of comprehensive travel perks and insurance , you might find other similarly priced cards more appealing. While the TD Platinum offers decent protection features, there are more competitive options out there.

Related: Best Credit Cards To Use in Canada

Advertiser's Disclosure

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Frequently Asked Questions (FAQs)

Is the first-year annual fee really waived for the td platinum travel visa card.

Yes, as long as you activate your card and make your first purchase within the first three months of opening your account.

How do I earn the maximum welcome bonus for the TD Platinum Travel Visa Card?

To earn up to 50,000 TD Rewards Points, you must be approved by September 3, 2024. Once approved, activate your card and make your first purchase within the first three months. Also, remember to add any additional cardholders by September 4, 2024.

How does the TD Platinum Travel Visa Card's rewards program benefit frequent Expedia customers?

You earn 6 TD Rewards Points for every $1 you spend when you book your travel through Expedia For TD, making it a rewarding choice for cardholders who frequently use this platform.

What’s the earning rate for the TD Platinum Travel Visa Card on everyday purchases?

You earn 1.5 TD Rewards Points for every $1 you spend on everyday purchases. Plus, you can rack up 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores.

Is the TD Platinum Travel Visa Card offer available to residents of Quebec?

Unfortunately, this offer isn’t available to Quebec residents.

Kevin Nishmas is an expert financial content writer with a long and successful history of working with Canada's largest financial institutions. His knack (and passion) for transforming complex personal finance information into clear, compelling content has landed him in leading business publications such as Report on Business, Advisor’s Edge, Benefits Canada and Investor's Digest of Canada.

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By Winston Sih  and  Courtney Reilly-Larke on March 31, 2022 Estimated reading time: 6 minutes

TD First Class Travel Visa Infinite Card review

This premium TD card lets travellers redeem flexible rewards through a partnership with Expedia.

With a plethora of travel-focused credit cards on the market, the TD First Class Travel Visa Infinite Card may not be the obvious choice—especially considering how many Aeroplan cards TD currently has on its roster. That said, the TD First Class Travel Visa Infinite Card is worth considering. Why? It boasts a flexible redemption program and a partnership with Expedia. Cardholders get access to Expedia For TD online portal to redeem rewards for flights, hotels and car rentals on expediafortd.com. 

Add to that comprehensive insurance coverage and generous earn rates and the TD First Class Travel Visa Infinite Card becomes a solid choice for avid travellers.

TD First Class Travel Visa Infinite Card

• Annual fee: $139 (annual fee rebate—conditions apply to qualify)
• Earn rates: Up to 8 TD Rewards points per $1 on travel; 6 points per $1 on groceries and restaurants; 4 points per $1 on recurring bills; and 2 points per $1 on all other purchases
• Welcome offer: You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Plus, you get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 TD Rewards point = $0.005 when redeemed for travel via Expedia For TD or $0.004 when redeemed through other providers and websites
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

The TD First Class Travel Visa Infinite Card

• Three things you need to know about the TD First Class Travel Visa Infinite Card
• How to redeem your TD Rewards
• What are the best ways to benefit from this card?

Are there any drawbacks to the TD First Class Travel Visa Infinite Card?

4 things to know about the td first class travel visa infinite card, 1. the you earn points under the td rewards program.

T he TD points system is easier to understand than the point system for the bank ’ s Aeroplan credit cards. Your Point values stay the same no matter where you ’ re flying, so it ’ s easy to work out how much they ’ re worth. Plus, TD Points can be redeemed on any airline, not just Air Canada or Star Alliance Partners. While Aeroplan Miles are valuable, if you prefer simplicity the TD First Class Travel Visa Infinite Card might be more up your alley.

2. Your points go farther when you book with ExpediaForTD.com

If you already use Expedia to book your travel, this card is a savvy choice. When you book travel online through Expedia For TD, you earn 8 TD points per $1. 

3. The card comes with a generous welcome bonus

You can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024..  Plus, earn a birthday bonus of up to 10,000 rewards points (conditions apply). You can also receive a $100 TD travel credit when you spend at least $500 at Expedia for TD. 

4. You’ll get great travel insurance

The TD First Class Travel Visa Infinite Card comes with up to $2 million of travel medical insurance coverage for the first 21 days of a trip. Trip cancellation, trip interruption, common carrier travel accident insurance, travel assistance services, flight delay insurance, auto rental collision insurance, and delayed and lost baggage insurance round out the card’s benefits. For a premium rewards card, The TD First Class ’ s insurance is fairly standard, however; so, if you ’ re looking for more comprehensive credit card insurance , you could consider a card like the National Bank World Elite Mastercard, * which comes with up to $5 million in out-of-province-of-residence medical/hospital insurance for trips up to 60 days (if you ’ re under 54).

How to redeem your TD Points:

You can redeem your TD Points for travel in two ways. The best—and most valuable—way is through the Expedia For TD online portal, where you can redeem 200 TD points per $1 in travel credit (0.5%) and pay the balance of the cost (if any) using your credit card (you’ll also earn Points on this spend).

Your other redemption choice is the “Book Any Way” option, which lets you book via other travel websites; however, your bookings can cost up to 25% more if you go this route. When using “Book Any Way” you’ll redeem at 250 TD points per $1 (0.4%) applied as a statement credit on your first $1,200 in travel purchases and 200 TD points per $1 (0.5%) for your travel purchases over $1,200. In comparison, with Expedia For TD, you’ll get a better and more consistent return of 0.5% on all your travel spending. 

In both cases, the TD First Class Travel Visa Infinite Card allows you to redeem for any seat on any airline. Additionally, you can redeem points for rewards in small increments (minimum 200), so this means you don’t need to build up a large pool of points before you’re able to apply them towards travel. 

Finally, through the TD Rewards site, you can shop for items such as a Vitamix blender, a Dyson vacuum or gift cards. However, you won’t get the same value as you would booking travel. For example, a $50 gift card at Best Buy will cost you 20,000 TD points, whereas you can use the same amount of points for $100 in travel on the Expedia For TD portal.

How to optimize the TD First Class Travel Visa Infinite Card

Ultimately, your best bet is to redeem points for travel from ExpediaForTD.com . Generally, prices on the website are similar to those on the main Expedia website, and you’ll be able to redeem at the rate of 200 points per $1. If you redeem points for travel outside of the TD portal, your points can lose up to 25% in value; however this could be a smarter route if you find a really good deal on another travel portal. 

If you do find a better hotel or flight deal elsewhere, you have the option to price match, but there are some restrictions: you must have booked within the last 24 hours; your travel plans must be at least 48 hours away; and travel dates, and flight and hotel classes must all be the same to submit a claim.

Does the TD First Class Travel Visa Infinite Card have travel insurance?

With this card you’ll get an extensive suite of travel insurance coverage, for big and small emergencies. For frequent travellers and those who cross the border often, this is a must. The card includes travel medical insurance of up to $2 million of coverage for the first 21 days. (If you or your spouse are over 65 or older, you’re only covered for the first four days of your trip.) You’ll also get up to $1,500 of trip cancellation insurance with this card up to a maximum of $5,000 for all insured persons. For trip interruption insurance, you get $5,000 per insured person, up to $25,000 for all the insured people on the same trip.

You’ll also get common carrier travel accident insurance, emergency travel assistant services and delayed/lost baggage insurance (up to $1,000 per insured person if your baggage is delayed for more than six hours or gets lost ultimately).

There is a minimum personal income requirement of $60,000 or a household income of $100,000. However, this is a common requirement for many cards in the same category. 

Other cards offer more incentive to spend in categories like groceries, dining and entertainment. The TD First Class Travel Visa Infinite Card only offers three times the Points earn on travel booked through the Expedia For TD portal (4.5%)—everything else is at the base three TD points per $1 (1.5%) rate. To compare, the Scotiabank Gold American Express has a five-times Points accelerator on restaurants and groceries (5% per dollar).

Finally, the TD First Class Travel Visa Infinite Card doesn’t offer airport lounge access , and you’ll be charged foreign transaction fees . So, if you like to use airport lounges, or you often find yourself shopping in a foreign currency, you may want to consider a card that offers those perks. 

Bottom line

TD’s unique partnership with Expedia, accelerated earn rates and incremental points redemption structure make the TD First Class Travel Visa Infinite Card a worthwhile consideration as a travel credit card . However, the biggest boost in earning points you’ll get with this card is by booking with ExpediaForTD.com. If you don’t want to be locked into booking that way, you may want to explore other travel card options.

More on  credit cards :

• Canada’s best travel cards 2022
• Canada’s best credit cards for gas
• Canada’s best credit cards for grocery purchases 2022
• Best cash back credit cards

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One of the TD First Class Infinite VISA Benefits List include : “ Earn 3 points per $1 on everything spent “ Could you clarify why on my recent Bill Statement, showed $5 earned for 1,178 points Wouldn’t 1,178 points translate into 1178 divided by 3 ?

I have this card, but rarely use except for buying something on a trip to get the insurance coverage. The issue I have is I like to book my travel through web sites like tripcentral.ca (better for packages), VRBO (for condo rentals) and booking.com (much better selection), so only end up rarely using Expedia for TD and end up getting 1.2% back on my purchases, unless I want to wait until I have over $1,200 of points and then buy a major trip, getting 1.5% on the part over $1,200.

So, its pretty good and the insurance is good, but its not as great for travel as they like to claim.

I have had this card for about 2 years now and I am so dessapointed with it. I will stop using it from now on and I will tell everybody I know NOT to get this card or anything related to TD Bank. I changed to this card because they assured me I have full trip coverage with it so I booked my last vacation with it and considering that I did not get what I wanted on my trip they will take some responsibilities and give me some refund after my claim was with them for 8 months. They kept asking me for documents that I provided every time they asked and at the end they kept asking for documents I already submitted three times before. TD is a disgrace for Canadians. I wish the government take actions and do a deep audit on these guys. I will slowly withdraw everything I have with TD to go to another bank. Anything is better than this. Please people, do not do anything with this bank and definitely nothing with this credit card. I am been having issues with this bank since 2008 and it’s time to move on to a better service.

This is the all lying I have issues with that I lost my luggage on my way back home and my flight cut and delayed for 5 months they don’t cover anything’s this massage is for the Visa highly in-charge manager if you guys don’t find me solution I have to take legal step and say bye to TD my whole family since they denied my claim it’s really really broke my heart. I was really trust them never ever again.

I want to redeem my points from my business travel which I have accumulated as I switched to the rewards cash card now .How do I do this June 15,2022

This card is excellent and works well if you are looking to use it for travel specifically. I find it comes in handy when even needing a car rental or a hotel stay on the fly.

We have this card and use it often, we had enough points to use it for 5 hotels on our roadtrip last spring (booked them through expedia). I guess it all depends on what you plan to do. We often go on little roadtrips to Canmore, Banff or Jasper and use it to stay there as well so it really saves us for accommodations. Also not having to get separate car insurance for rental cars is a big plus.

I just got back from Cuba. Unfortunately my flight from Ottawa to Cuba was delayed by 4 hours. And from Cuba to Ottawa for 14 hours. I want to be reimbursed because I bought a ride on my The TD First Class Travel Visa Infinite. Please give me the contact information to whom to apply for compensation. Thank you,

I have First Travel Visa card. My trip is more than 21 days. How can I get travel insurance for the days after first 21 days?

This is incorrect. the $100 travel credit is only for hotels and vacation rentals ALONG with flights. Not if your travel consists only of flights. It is a Hotel credit and NOT a travel flight credit. Beware! This credit card is absolutely useless.

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• $139 annual fee – First year free
• Earn 20,000 TD Rewards points after your first purchase
• 80,000 additional points when you spend $5,000 in the first 180 days
• Annual $100 travel credit (accommodations & vacation packages)
• Birthday bonus of up to 10,000 points
• Earn 8 points per $1 spent when you book on Expedia for TD
• Earn 6 points per $1 spent on groceries and dining
• Earn 4 points per $1 spent on recurring bills
• Earn 3 per $1 spent on all other purchases

Welcome bonus and earn rate

The TD First Class Visa Infinite Card is one of TD’s most popular cards. The welcome bonus is typically quite generous and hovers between 80,000 – 145,000 TD Rewards points. The welcome bonus is comparable to cards on my list of the best travel credit cards in Canada .

As for the earn rate, you’ll get 8 points per dollar spent on Expedia for TD purchases. 6 points per dollar spent on groceries and dining. 4 points per dollar spend on recurring bills and 3 points on all other purchases.

To give you some perspective, when using TD Rewards points on Expedia for TD purchases, 1 point is worth $0.50. That means the base earn rate gets you 1.5% back in travel rewards, which is quite good.

Although the card has an annual fee of $139, it’s usually waived for the first year. You can also get the annual fee waived every year if you have a TD All-inclusive bank account. 

Benefits and perks

If you’re reading my TD First Class Travel Visa Infinite Card review, then you’ll want to know about all the benefits. What’s interesting is that this card recently had an update and now comes with some pretty fun perks.

$100 annual travel credit

When you book accommodations or vacation packages on Expedia for TD worth at least $500, you’ll get a $100 credit back on your credit card. This is a pretty unique benefit that puts money back in your pocket, but it does not apply to all travel categories. In addition, this benefit only applies to individual bookings and is not cumulative.

10% birthday bonus

One unique perk is the birthday bonus worth up to 10,000 TD Rewards points. To earn this bonus, TD will give you 10% of the points you’ve earned in the year leading up to your birthday. Welcome bonuses don’t count. For example, if you earned 93,000 TD Rewards points in the year leading up to your birthday, you’d earn 9,300 extra TD Rewards points on your birthday.

Save on rental cars

Cardholders get at least 10% off the base rate when renting vehicles in Canada and the U.S at Avis or Budget and paying with your TD Aeroplan Visa Infinite Card. If you’re travelling internationally, you’ll save at least 5% at participating locations.

Travel insurance

• Travel medical – $2,000,000 for 21 days / 4 days if you’re 65 or older
• Trip cancellation – up to $1,500 per person / $5,000 total
• Trip interruption – up to $5,000 per person / $25,000 total
• Flight/trip delay insurance – $500 per person – 4 hours
• Delayed and lost baggage – up to $1,000 / 6 hours
• Auto rental collision/loss damage – 48 consecutive days / $65,000
• Hotel/motel burglary insurance – $2,500
• Common carrier travel accident – $500,000

The travel insurance included is competitive and comparable to my list of the best credit cards with travel insurance , but it does lack two major types of travel insurance.

The 21 days of travel medical insurance is pretty good, but like many other credit cards, it only gives 4 days if you’re 65 or older. You’ll obviously need more coverage if you fall into that age range.

Note that was this card, you only need to charge 75% of your trip costs for your flight/trip delay and hotel/motel burglary insurance to apply. However, for trip cancellation and auto rental collision, you need to charge 100% of the cost to your card.

Mobile device insurance

Many people aren’t aware that the TD First Class Travel Visa Infinite Card comes with mobile device insurance. When you charge at least 75% of the total device or monthly plan cost to your card, you’ll be insured for up to $1,000. That said, like other mobile device insurance plans, depreciation applies when making a claim. Both cellular phones and tablets count as mobile devices.

Purchase insurance

• Purchase security – 90 days
• Extended warranty – Up to 1 additional year

The purchase security insurance covers your good from theft, loss, and damage for 90 days. With extended warranty, you your warranty doubled up to one additional year.

Visa Infinite benefits

• Concierge service –  The Visa Infinite Concierge is available 24/7 and can help you secure concert tickets, make dinner reservations and more.
• Luxury Hotel Collection – You’ll get exclusive benefits such as resort credits and room upgrades when booking accommodations through the Visa Luxury Hotel Collection.
• Dining Series –  Get access to some culinary events, such as celebrity chef meetups and tasting menus.
• Wine Country program –  Your Visa Infinite Card gets you discounts and free wine tastings at participating wineries in British Columbia, Ontario and Sonoma Valley.
• Entertainment access –  Throughout the year, cardholders get invites and exclusive access to the Toronto International Film Festival.
• Troon Golf –  Troon Rewards Silver Status is given to cardholders. With your status, you’ll get 10% off green fees, merchandise and lessons.

How to redeem your points

TD Rewards allows you to book travel in multiple ways, giving you more options. Given the flexibility, many people love TD Rewards. However, your points will have a different value depending on how you redeem them.

Expedia for TD

Expedia for TD is TD’s main travel redemption option. 200 TD Rewards points get you $1 off Expedia for TD travel bookings. This essentially makes one TD Reward point worth .5 cents. Expedia for TD is nearly identical to Expedia.ca. That means you’ll get access to a large inventory of flights, hotels, car rentals, all-inclusive packages and attraction tickets.

To redeem TD Rewards points on Expedia for TD, you have to log in to TD Rewards and click on the Expedia for TD link. When you’re ready to pay, you’ll be given the option to use your TD Rewards points. Generally, Expedia has very competitive prices.

Booking on your own

TD Rewards points can also be used to offset travel expenses you charge directly to your TD First Class Travel Visa. The redemption rate is 250 points = $1 (or a value of .4 cents per point). That means you get 20% less value than using your points on Expedia for TD. That said, when you make a travel purchase on your own that’s more than $1,200 in value, any amount that’s $1,201 or above would have a redemption value of 200 points for $1.

Even though you get less value by booking on your own, there are a few reasons to consider this option. The first reason is that you are not restricted to what is available on Expedia for TD, so you can use points for bookings on Airbnb or booking.com. The second reason why booking on your own travel is handy is that most hotel chains will require that you book directly with them to enable loyalty membership status and perks.

TD First Class Travel Visa Infinite Card eligibility

• You’re a Canadian citizen, or you’re a permanent resident
• You’re at least the age of majority in the province or territory where you reside
• You have a minimum annual personal gross income of $60,000 or a household income of $100,000

As a Visa Infinite card, there are very specific eligibility requirements. Even though there’s no formal credit score requirement listed, you’ll likely need your credit score to be at least 700 to be approved. That’s because a credit score of at least that number would put you in good standing or higher.

How the TD First Class Visa Infinite compares

As a mid-tier travel rewards credit card, the TD First Class Travel Visa Infinite Card has a lot of competition. Not only does it compete with other bank credit cards, but there are also airline credit cards worth looking at too.

TD First Class Visa Infinite Card vs. Scotiabank Passport Visa Infinite Card

The Scotiabank Passport Visa Infinite Card is a very popular travel credit card since it gives you get six free annual airport lounge passes and has no foreign transaction fees. The earning rate of this card is similar to what TD offers. The overall insurance package offered by TD is slightly better.

TD First Class Visa Infinite Card vs. American Express Gold Rewards Card

Another great mid-tier travel card is the American Express Gold Rewards Card . Although the card has an annual fee of $250, you get an annual $100 travel credit and a Priority Pass Membership with four free annual Plaza Premium airport lounge passes. What makes this card stand out is the fact that you earn American Express Membership Rewards points. These points can be transferred to Aeroplan at a 1:1 ratio.

TD First Class Visa Infinite Card vs. TD Aeroplan Visa Infinite Card

If your goal is to travel for less, then the TD Aeroplan Visa Infinite Card should also be considered. With this card, you’ll earn Aeroplan points on all eligible purchases. This is relevant because Aeroplan is Air Canada’s loyalty program and one point can easily be worth between 1.5 – 2 cents each. In addition, by having this card, you get your first checked bag free and preferred pricing on Aeroplan redemptions.

Final thoughts

My TD First Class Travel Visa Infinite Card review is positive. It’s an ideal card for people in the following situations:

• You want to save on travel – TD Rewards points are highly flexible and best used via Expedia for TD.
• You bank with TD – If you have an All-Inclusive Banking Plan, the annual fee is waived for this card.
• You want insurance – The included travel and purchase insurance with this card is excellent.

Although Expedia for TD may not be the best rewards program out there, it’s easy to understand and there are no blackout dates. Plus, the overall insurance package you get with this card is excellent. That said, the earn rate for this card is not as good as other cards out there.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter: @barrychoi

Hi Barry! Thanks for another great post. I currently use the AMEX cobalt as my everyday card and wanted to get a supplementary card to use when AMEX is not accepted. I currently have an All-Inclusive banking plan with TD, which would waive the annual fee for the TD First Class Travel Visa Infinite Card & the TD Aeroplan Visa Infinite Card. Which one would you recommend between the two?

Hey Sylvia.

It sort of depends on your goals. If you got the TD Aeroplan VI card, you could pool the points with your Cobalt since those points can be converted to Aeroplan. The TDFCTVI is good if need to make non-Aeroplan bookings such as car rentals or hotel bookings.

You state the following: “Note that was this card, you only need to charge 75% of your trip costs for your travel insurance to be valid.” However, my review of the wording indicates that under Trip Cancellation, you must charge the full cost of your trip to the card to get coverage. This is under the definition of Covered Trip.

You’re right. the 75% only applies to hotel/motel burglary and trip delay.

Calculating rewards with the new and improved TD First Class Travel makes it a good competitor to the Aeroplan card. I feel like it’s hard to get a good value with Aeroplan (2 cpp). More than often international travel gives around 1.4 cpp making the First Class card more valuable (if booking something via Expedia to get the $100 credit that is. Am I missing something? Would the Aventura or RBC Avion otherwise be better?

Hey Philippe,

I haven’t had too much trouble finding Aeroplan value between 1.8 – 2 CPP. Then again, I booked most of my travel before there was crazy demand.

Aventura and Avion both have a fixed travel program where you can get a higher CPP, but I personally find Aeroplan to be more valuable. I typically try to collect American Express Membership Rewards points and then transfer them to whatever program gives me good value when I need to make a redemption.

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TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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TD Platinum Travel Visa* Review

By Heidi Unrau | Published on 12 Oct 2023

We all want to go places, just not to the same places. A unique travel card like the TD Platinum Travel Visa*  can be used for so much more than your next tropical escape. The flexible TD Points program caters to Expedia lovers but can also help save on your next Amazon purchase, score free Starbucks lattes, and even level up your education!  The TD Platinum Travel Visa* turns both your essential spending and splurges into points you can use on what matters most. It might even be one of the best credit cards for students because of a little-known feature. Here’s what you should know about the incredibly versatile TD Platinum Travel Visa* card.   

TD Platinum Travel Visa* Welcome Offer

How does $400 worth of free stuff sound? I thought so. New TD Platinum Travel Visa* cardholders can earn up to 50,000 bonus TD Rewards points. That alone is worth about $250 in travel benefits when redeemed through the exclusive Expedia portal for TD Points collectors . Then, the annual fee is rebated for the first year for you and one additional cardholder. There’s another $89-$124 kept where it belongs – in your pocket! And for good measure, you also get a free 6-month† Uber One membership worth $60.

So, how do you score these bonus points and extra savings? You have to apply and be approved by September 3, 2024. Then you have to meet some spending requirements to snag those bonus TD Points.

First, you’ll get 15,000 bonus TD Rewards Points once you make a first purchase with your card in the first 3 months. Once you do that, the annual fee will be rebated for the year too. To earn another 35,000 TD Points you need to spend $1,000 on the card in the first 90 days of opening your account. Thanks to inflation , you’ll have no problem hitting that minimum $1,000 spend threshold. We’re looking at you, grocery stores!

The Highlight Reel: TD Platinum Travel Visa* Perks

• $400 worth of welcome offers
• Annual fee rebated in the first year
• 6 points per $1 spent on eligible travel bookings through Expedia For TD
• 4.5 points per $1 spent on groceries and restaurants
• 3 points per $1 spent on recurring bill payments 
• 1.5 points per $1 spent on everything else
• No limit to the number of points you can accumulate
• Points never expire
• Bonus TD Points & Starbucks Stars on Starbucks purchases
• Redeem points for travel through any provider, merchandise, or statement credit
• No travel blackouts or seat restrictions
• Redeem points for Starbucks purchases
• Redeem points for Amazon.ca purchases
• Redeem points for tuition costs or student loan payments
• Purchase protection 
• Extended warranty 
• Travel insurance coverage 
• Discounted car rentals 
• No minimum income required to be eligible

Earning TD Points with your Platinum Travel Visa*

The TD Points program is quickly growing in popularity and for good reason. It’s an incredibly flexible points program that lets you earn rewards on your daily purchases and redeem them for things like travel, merchandise, a credit on your account, and a few other crazy things that will blow your mind. The TD Platinum Travel Visa* Card offers you 3 accelerated points categories to help you bank even more points on the essentials, such as: 

Up to 6 points per $1 on travel purchases 

Travel purchases made with your card earn the most rewards with 6 TD Points per $1 spent online through the exclusive Expedia for TD portal, or if you book through the portal by telephone. Also, there is no annual spending cap on Expedia for TD purchases.

Up to 4 points per $1 on groceries and restaurants

You’ll earn 4.5 TD Points per $1 spent when you use your TD Platinum Travel Visa* Card to buy groceries at eligible grocery stores and restaurants. Be careful though, not all stores that sell groceries qualify as a grocery store. To get 4.5 points, the store must have a Merchant Category Code (MCC) that classifies them as a grocery store or restaurant in the Visa network.

To know for sure if your favourite grocery retailer qualifies, you can always call TD at 1-800-983-8472. The accelerated earn rate applies to all eligible grocery and restaurant purchases up to a total annual spend of $15,000 a year combined for groceries, restaurants, and bill payments. Once you hit the annual spending limit, the earn rate drops to 1.5 TD Points per $1.

Up to 3 points per $1 on recurring bill payments

Do you have recurring monthly bills? That’s a rhetorical question, of course you do. To earn 3 TD Points per $1 on your monthly recurring bills, set them to automatically charge your TD Platinum Travel Visa* Card each month. Eligible recurring bill payments include online streaming subscriptions, insurance premiums, magazine and newspaper subscriptions, cell phone bills, membership fees, etc.

As long as the merchant accepts pre-authorized payments and is classified as “recurring payments” through the Visa network, then you’re good to go. However, there is a $15,000 annual spending cap on this too. Once your combined total recurring bill payments, grocery, and restaurant charges hit $15,000 in a year, the earn rate drops down to 1.5 TD points per $1 spent.

Get 1.5 points on everything else! 

All other purchases on your  TD Platinum Travel Visa* Card , outside the accelerated rewards category, earn 1.5 TD points per $1. You also earn 1.5 TD points per $1 once you exceed the $15,000 annual spending limit on groceries, restaurants, and recurring bill payments set up on your card.

Bonus points at Starbucks!

TD and Starbucks have teamed up to help coffee lovers score more points on their guilty pleasures. You can earn bonus TD Points when you link your TD Platinum Travel Visa* Card to your Starbucks Rewards account. You’ll earn 50% more TD Rewards Points and 50% more Starbucks Stars. From there, you’ll double dip both your TD Points and your Starbucks Stars when you make eligible purchases through the Starbucks app.

Beware of spending caps & the impact on earning points!

We love getting max points on the essentials, but it’s not a free-for-all. There is an annual spending cap of $15,000 combined across groceries, restaurants, and recurring bill payments. Once you exceed the maximum spend, your earn rate drops to 1.5 points per $1 until it reset the following year.

Having said that, there is no limit on the actual number of points you can earn. Even though the rate at which you earn points might drop if you hit the spending limit, you don’t stop earning points on any of your card purchases. That means you can earn limitless points with your  TD Platinum Travel Visa* Card . Cha-ching! Oh, and your TD Points never expire either. 

Redeeming your TD Points

TD credit cards are catching the eye of savvy points collectors and growing in popularity. That little green logo offers something for everyone. The TD Points program is flexible enough to make globetrotters and home-bodies equally happy. Here’s how to redeem your TD Rewards Points: 

Best value when you redeem for travel

The TD Platinum Travel Visa* is a travel card, hence the name, so you’ll get the best redemption value on travel and travel-related purchases through the Expedia for TD portal. If Expedia for TD doesn’t have what you’re looking for, you’ll get the next best redemption value on travel purchases through any other travel provider of your choice.

Better yet, your points can be applied to travel-related charges on your card like taxes, fees, and even excursions booked through your vacation resort! And there are no blackout dates or seat restrictions to worry about either. Your TD Points must be redeemed in 200-point increments on travel purchases.

Redeem for a credit on your account

If cash is king for you, then you can redeem your TD Points for a credit on your credit card bill to help pay down the balance. However, you need to have a minimum points balance of at least 10,000 TD Points in order to redeem for a statement credit. Then, every increment of 400 points over the minimum is worth $1 which can be redeemed as a credit to the account. 

Attention Amazon shoppers! 

You can redeem your TD Points for purchases on Amazon.ca. It’s super easy. Just add your TD Platinum Travel Visa* to your Amazon account and Amazon will automatically enroll your card, unless you opted out of automatic enrollment. When you’re ready to purchase the items in your cart, select your TD Platinum Travel Visa* as the method of payment and choose how many TD Points you’d like to redeem. Their value will be deducted from your total to cover all or a portion of your purchase. 

Free stuff from TD

You can also redeem your TD points to get free stuff from the TDRewards.com online catalogue. You can score free name-brand merchandise across every possible category as well as gift cards to stores, restaurants, and gas stations. Keep in mind, redeeming for merchandise and gift cards yields the lowest redemption value for your points.

Free lattes? Yes please! 

Not only can you double-dip your Starbucks Stars and TD Points, you can also redeem your points for free Starbucks purchases too! If you’re having a hard time kicking that pricey caffeine addiction, the TD Platinum Travel Visa* can save your budget. Just swap your TD Points for Starbucks Stars. Then, redeem your Starbucks Stars for free coffee, handcrafted drinks, food, and eligible merchandise. You need to redeem at least 700 TD Points for Starbucks Stars.

Attention students! Is this the best redemption feature EVER?

Are student loans killing your vibe? What if I told you the TD Platinum Travel Visa* could slash your tuition bill? The TD Points program is the first I’ve come across that lets you redeem points towards your student loan balance and other education costs. TD Points can be used to purchase education credits on HigherEdPoints.com to pay off or pay down student loans or put directly towards your tuition. 

And the best part? They don’t have to be your own TD Points either. Anyone can use their eligible TD Points to purchase education credits for you too. Thanks, Nana! Credits can be purchased in $250 increments (62,500 points) and transferred to your HigherEdPoints account.

From there, you have 2 years to redeem your education credits for payment on federal/provincial student loans or directly towards tuition at participating post-secondary schools. And for what it’s worth, education credits are the second-highest redemption value after travel. I can’t even! 

Travel insurance benefits on your TD Platinum Travel Visa*

As a travel card, TD Platinum Travel Visa* isn’t the best on the market, but it does not disappoint either. Not only do you get the best redemption value on your points when used to book travel through Expedia for TD, you also get a host of other perks too. TD even provides a nifty Credit Card Travel Insurance Verification Tool to help you see what travel benefits are available on your TD credit card. That’s an incredibly handy feature I haven’t seen from other credit card providers.  Here’s a rundown of the complimentary travel insurance benefits you get: 

Other travel perks & discounts

Travel insurance isn’t the only perk you get. Your TD Platinum Travel Visa* also gives you special privileges at airports, on-demand access to help when you need it, other travel discounts, and a smarter way to spend. Here’s how: 

Travel assistance

In the event you experience a personal emergency while travelling, you can access Emergency Travel Assistance Services toll-free at  1-800-871-8334. Knock on wood!

When you need a rental 

If you like to sight-see on your own terms while travelling, or you got rear-ended on your way to a tourist attraction, you can save money with car rental discounts. TD Platinum Travel Visa* holders get at least 10% off car rentals through participating Avis Rent-A-Car and Budget Rent-A-Car locations in Canada and the U.S., and at least 5% off participating international locations.

For the road trippers

Do you love to road-trip? Your TD Platinum Travel Visa* gives you the option to purchase a membership to TD Auto Club. You’ll get access to emergency roadside assistance 24 hours a day. Now you can hit the open road with confidence.

For the smart shoppers 

Savvy shoppers don’t just bargain hunt, they protect their purchases from loss and damage. When you make a purchase with your TD Platinum Travel Visa* , you automatically get Purchase Security and Extended Warranty protection on most new items. If something is stolen or damaged within 90 days from the date of purchase, you’re covered. You also get Mobile Device Insurance on eligible mobile devices purchased with your card.

Rates & fees on the TD Platinum Travel Visa*

Rewards cards typically come with an annual fee, and the TD Platinum Travel Visa* is no exception. At $89 per year, you get quite a bit back in complimentary perks. It’s not a terrible fee compared to other cards on the market, and it’s rebated for the first year too. You can add additional cardholders to your account. The first one will cost $35, also rebated for the first year, and the next ones are free.

The interest rate is pretty standard on this card. There’s really nothing to write home about here, especially if you know how to use a rewards card properly . Ideally, you want to pay your balance off in full every month, which makes the interest rate on this card irrelevant. If you rack up a balance and don’t pay it off in full by the due date, interest charges start to cancel out the benefit of your points – so don’t do that!

Are you eligible for the TD Platinum Travel Visa* card? 

Despite the word “platinum” in the title, the TD Platinum Travel Visa* is a rewards card that is fairly easy to get. There is no minimum income required to qualify, which is great news for students, homemakers, those with lower or non-traditional incomes, as well as retirees. To qualify for this card, you must be at least the age of majority in the province where you live and be a permanent resident of Canada. 

Sometimes, a credit card will explicitly require post-bankrupt applicants to be discharged from bankruptcy for at least 7 years in order to be eligible. However, the TD Platinum Travel Visa* does not have any explicit requirements for post-bankrupts, leading us to believe you may be able to get this card if you have a bankruptcy or consumer proposal on your credit file.

However, we are only speculating based on the eligibility requirements of other cards. Approval is never guaranteed and your application is subject to a hard credit check . Applicants with a good credit score are more likely to be approved. 

Who is the TD Platinum Travel Visa* card for?

At first glance, the TD Platinum Travel Visa* looks like a great card for wanderlusters who want to convert their daily purchases into fabulous adventures. 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 the cost of post-secondary education.  

Travel might not be top of mind now that the cost of living just hit cruising altitude. As a Starbucks addict and devout Amazon shopper myself, I was already flexing my digits to hit that Apply button. It’s not often that a travel card can help you bank some serious savings on stuff other than travel; like what you need, what you want, and the simple joys that make life worth living.

Luckily, you don’t have to choose between a white and green cuppa-joy or diapers for the tiny humans who make you want to inject that coffee directly into your bloodstream. With the TD Platinum Travel Visa* you can do both! 

Lattes earn points, and points can cover those Amazon diaper purchases. Or your kid’s undergrad program. The HigherEdPoints program is a complete game-changer and I’d like more credit cards to hop on board with this.

And now that you can bank bonus points when the green siren calls, your guilty pleasures can actually bankroll your way to a cap and gown. Don’t worry, when you’re ready to travel again you’ll still score sweet deals on Expedia for TD. Until then, you might as well save money on simple joys.

The TD Platinum Travel Visa* Rating

Heidi Unrau

 TD Platinum Travel Visa* Card review

• Rates & Fees

6 TD Rewards points for every $1 spent on travel with ExpediaForTd.com

4.5 TD Rewards Points for every $1 spent on groceries and dining out

3 TD Rewards Points for every $1 spent on recurring bill payments

1.5 TD Rewards Points for every $1 spent on everything else

$89 Annual Fee Waived for the first year

20.99% Purchase APR

22.99% Cash Advance APR

2.50% Foreign Transaction Fee

Good Recommended Credit Score

$0 Required Annual Personal Income

$0 Required Annual Household Income

By Tyler Wade & Cory Santos

Updated: May 02, 2024

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Compare other TD credit cards

• TD® Aeroplan® Visa Infinite Privilege*
• TD® Aeroplan® Visa Infinite* Card
• TD First Class Travel® Visa Infinite*
• TD Cash Back Visa Infinite* Card
• TD Rewards Visa* Card

Compare other travel credit cards

• Best travel credit cards
• American Express® Aeroplan®* Card
• BMO Ascend™ World Elite®* Mastercard®*
• Rogers™ World Elite® Mastercard®

This offer is not available for residents of Quebec.

Quick overview of the TD Platinum Travel Visa*

The TD Platinum Travel Visa* Card is best for TD Bank users who frequently book their travels through Expedia and want to earn rewards on their everyday spending like bills and groceries. 

However, like all credit cards, it comes with its own set of pros and cons. In this comprehensive review, we'll delve into the card's features, benefits, and how it stacks up against other TD offerings and plan programs, helping you decide if it's the right fit for your wallet.

Who is the TD Platinum Travel Visa* Card for?

The TD Platinum Travel Visa* Card is designed for TD Bank users who frequently book their travels through Expedia and want to earn rewards on their everyday spending. It offers a generous welcome bonus, high earn rate on dining, groceries, and Expedia bookings, making it a valuable option for frequent travelers. However, if you're looking for more premium travel perks like airport lounge access, consider other cards in the market, including TD's Aeroplan® Visa Infinite Privilege*

TD Platinum Travel Visa* Card: pros and cons

Generous welcome bonus : Get up to 50,000 TD Rewards Points when you make your first card purchase and spend $1,000 within 90 days of opening your account.

High earn rate : Earn up to six TD Rewards Points for every $1 spent on Expedia® for TD, 4.5 points on dining and groceries, and three points on recurring bill payments.

No travel restrictions : No blackouts, seat restrictions, and your points never expire as long as your account is in good standing.

First year fee waiver : The annual fee is waived for the first year.

Limited travel perks : Unlike some premium cards, it doesn't offer perks like airport lounge access.

Not ideal for non-Expedia users : The highest rewards rate is tied to Expedia bookings.

TD® Platinum Travel Visa credit card welcome bonus

New cardholders with the TD Platinum Travel Visa* Card can earn up to 50,000 TD Rewards Points in their first year of card membership:

• 15,000 TD Rewards Points after your first purchase with the card
• 25,000 TD rewards points after you spent $1,000 within 90 days of opening your account
• First-year annual fee waiver ($89 value)
• Six months of Uber One membership ($60 value)

How to earn TD Rewards points with the RTD® Platinum Travel Visa

The TD Platinum Travel Visa Card offers an impressive earning rate on several keys categories:

• Earn 6 TD Rewards points for every $1 spent when you book travel through Expedia for TD
• Earn 4.5 TD Rewards Points for every $1 spent on groceries and dining out
• Earn 3 TD Rewards Points for every $1 spent on recurring bill payments
• Earn 1.5 TD Rewards points for every $1 spent on everything else

How to redeem points

The average dollar value of one TD Reward point is $0.005. To make this math easier, let’s crank up the points.

The best way to redeem your points is by travelling through Expedia for TD portal, where 200 points equal 1 dollar.

You can also book travel through any provider where the value goes down a little for the first $1,200 in spending—250 TD Rewards points are worth $1. Redeeming merchandise is not as valuable, where, depending on the retailer, you’ll get, at best, half and at worth a tenth of the value out of your points.

You can also apply your points as a statement credit if you’re trying to pay down a balance.

Key Benefits of the TD Rewards Card

• Expedia benefits: If you frequently book through Expedia, this card offers one of the best rewards rates for your bookings.
• Dining and groceries: Earn a high rate of 4.5 points for every dollar spent at restaurants and grocery stores, making your night out on the town or grocery run even more rewarding.
• Travel insurance: The card includes decent travel insurance coverage, ensuring peace of mind during your travels. However, you can upgrade your coverage for an additional fee to unlock emergency medical insurance.

TD Rewards Visa credit card insurance coverage

The Platinum Travel Visa credit card from TD provides an impressive selection of travel insurance and everyday protection benefits for cardholders, including:

• Flight delay insurance of up to $500 if your trip is delayed more than 4 hours.
• Delayed and lost baggage insurance up to $1,000 per insurance person if delayed more than 6 hours.
• Travel accident insurance up to $500,000 (while travelling on a common carrier like a plane, train, or bus).
• Rental car insurance for up to 48 consecutive days up to a maximum MSRP of $65,000.
• Mobile device insurance up to $1,000 in the event of loss, theft, or accidental damage.
• Extended warranty insurance that doubles the manufacturer’s warranty up to an additional 12 months.
• Hotel burglary insurance up to $2,500.
• [Optional] Apply for travel medical insurance in case of medical emergencies abroad.
• [Optional] Apply for Trip cancellation insurance to help recover trip expenses or the cost of a trip home.
• [Optional] Apply for TD Auto Club Membership for roadside emergencies.

Rewards Visa cardholders also receive peace of mind thanks to instant fraud alerts; TD Fraud Alerts continuously monitors your TD account registered mobile phone and automatically alerts you if suspicious activity is suspected.

Extra Benefits of the TD Bank Platinum Travel Visa* credit card

• Additional rental car savings: At Avis and Budget locations, you can save a minimum of 10% off the lowest base rate fares in Canada and 5% in the U.S.
• No restrictions: There are no travel blackouts or seat restrictions, and your TD Rewards Points never expire as long as your account is open and in good standing.
• Earn more stars at Starbucks:  Link the TD Rewards card to your Starbucks account and earn 50% more TD Rewards points and Stars.
• Mobile wallet compatibility: Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
• TD mobile app: The app allows you to manage your account, view transactions, block international purchases, and more. It's available in the Apple App Store and Google Play. 
• Added payment security: Chip and pin technology for an added layer of security.

What people are saying about the Platinum Travel Visa credit card from TD

• "I've had the TD Visa Platinum Travel card for years and have never complained about the rewards, using the rewards or the use of the card... Redeeming for travel, etc, is very easy through TD for Expedia. A high fee has always been credited back due to my bank portfolio level with TD Bank...so I have no complaints at all, I would highly recommend this card and TD Bank! Satisfied card holder!" - Drmoy1
• "It is a great card with great rates, and we never had any real issues with it. The interest rate is also very good, so yes all is good with this card" - Joshua M

How does the TD Platinum Travel Visa* Compare?

Td platinum travel visa* vs. td first class travel ® visa infinite* card.

The TD Platinum Travel Visa* Card and the TD First Class Travel ® Visa Infinite* Card are both tailored for travel enthusiasts, but they cater to slightly different needs. While any card you choose ultimately depends on your individual travel and spending habits, the TD First Class Travel ® Visa Infinite* card shines with better earn rates and insurance (including emergency medical). 

Yes, the TD First Class Travel ® Visa Infinite* charges $50 more in its annual fee, but just like the TD Platinum Travel Visa Card, that fee is waived in the first year. Also, the First Class card gives you an annual TD Travel Credit of $100 with Expedia For TD. 

For frequent travellers, especially those who prefer to book through Expedia, the TD First Class Travel® Visa Infinite* Card offers more value and benefits. 

TD Platinum Travel Visa* Card vs. TD Aeroplan ® Visa Platinum Card

Both cards charge the same annual fee which are both waived in the first year. They both feature the same travel insurance (and sadly both miss emergency medical travel insurance), purchase security, extended warranty and mobile device insurance.

These cards are virtually identical, except for one crucial difference: the points. 

You either earn TD Rewards Points or Aeroplan ® points. With TD, you can book your travel through Expedia or use the “book-any-way” redemption method which reduces your point value, but you can fly anywhere on any airline. With TD’s Aeroplan ® card, you get Aeroplan ® points allowing you to book with Air Canada and its partner airlines. 

Essentially, if you bank with TD and love their rewards program, be sure to take advantage of bundle discounts on their chequing, saving, insurance and mortgage. If you’re not loyal to a bank, and love the Aeroplan ® program, go with the TD Aeroplan ® Visa Platinum. 

Is the TD® Platinum Travel Visa credit card worth it?

The TD Platinum Travel Visa* Card is best suited for those who frequently use Expedia for their travel bookings. With its generous welcome bonus, high earn rate on dining, groceries, and Expedia bookings, it offers significant value. However, if you're looking for more comprehensive travel perks, there might be other cards in the market that better suit your needs. The biggest benefits of this card are its earn rate and flexibility in point redemption. The main drawback is the lack of premium travel perks like airport lounge access.

Eligibility requirements of the Rewards Visa credit card from TD Bank

To qualify for the TD Platinum Travel Visa* Card, you need to meet the following criteria:

• You must be a Canadian resident.
• You must be at least the age of majority in your province or territory.

There is no minimum income requirement for this card. However, it is important to have a credit score in the good to excellent range.

Is the TD Platinum Travel Visa* worth it?

The TD Platinum Travel Visa* Card offers value for frequent Expedia users with its high earn rate on bookings, dining and groceries. Its comprehensive travel insurance and flexible point redemption enhance its appeal. However, its worth depends on individual spending habits and the annual fee's perceived value.

Is the first-year annual fee really waived for the TD Platinum Travel Visa* Card?

Yes, the TD Platinum Travel Visa* Card often offers promotions where the annual fee is waived for the first year, providing immediate savings for new cardholders.

How do I earn the maximum welcome bonus for the TD Platinum Travel Visa* Card?

To earn the maximum welcome bonus, you have to make a purchase within the first 90 days of activating the card, plus spend at least $1,000 in that same time period.

How does the TD Platinum Travel Visa* Card's rewards program benefit frequent Expedia customers?

The card offers a higher earn rate for travel bookings made through ExpediaForTD.com, groceries and recurring bill payments allowing frequent Expedia users to accumulate TD Points faster.

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

Cory Santos is a finance editor at Money.ca

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TD Platinum Travel Visa* Card

Application must be approved by September 3, 2024 to receive this offer

Signup bonus:, annual fee:, interest rates:, earning rate:.

The TD Platinum Travel Visa *  Card is an entry-level credit card that lets you earn points in the bank’s proprietary TD Rewards program.

The TD Platinum Travel Visa* Card   is a card geared towards students, newcomers to Canada, or individuals with new or recovering credit files who want to build a strong relationship with TD while earning some travel rewards.

Bonuses & Fees

Until September 3, 2024, the TD Platinum Travel Visa * Card is offering up to 50,000 TD Rewards Points † as a signup bonus, distributed as follows:

• 15,000 TD Rewards Points† upon first purchase †
• 35,000 TD Rewards Points† upon spending $1,000 in the first three months †

The card has an annual fee of $89, which is currently rebated for the first year. † Note that, in order to receive the first-year annual fee rebate, you must activate your card and make your first purchase on the account within the first three months after account opening, and you must add any additional cardholders by September 4, 2024.

The first supplementary card on each account costs $35, and the current first-year annual fee rebate also applies to the first supplementary card. Meanwhile, additional supplementary cards are free. †

To be eligible for this offer, you must apply and be approved for the card on or before September 3, 2024.

Earning Rewards

The card’s earning rates are as follows:

• 6 TD Rewards Points † per dollar spent on eligible Expedia ® for TD purchases †
• 4.5 TD Rewards Points † per dollar spent on eligible groceries and dining purchases †
• 3 TD Rewards Points † per dollar spent on eligible recurring bill payments set up on your account †
• 1.5 TD Rewards Points † per dollar spent on all other eligible purchases †

Since TD Rewards Points can be redeemed optimally at a value of 0.5 cents per point, these are equivalent to a 3%, 2.25%, 1.5%  and 0.75% return, respectively.

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® .

You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You’d apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point.

If you’d rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD Platinum Travel Visa * Card. However, the rate isn’t quite as competitive at 250 points = $1, or 0.4 cents per point.

Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point.

Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value.

TD Rewards Points never expire as long as you’re a cardholder. If you cancel or switch your card to a different product, you’ll have 90 days’ time to redeem your TD Rewards Points before they go away, although you’ll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you’ll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

The TD Platinum Travel Visa *  Card comes with car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As an entry-level credit card, the TD Platinum Travel Visa *  Card offers a relatively basic set of insurance provisions.

Emergency medical coverage, trip cancellation insurance, and trip interruption insurance are all noticeably absent.

While flying, cardholders are covered for up to $500 in flight delay insurance† and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. †

The card’s car rental insurance grants coverage for rental vehicles up to $65,000 MSRP, protecting you against unexpected costs associated with collision, damage, and theft. †

And when making purchases, the card offers extended warranty of up to one additional year†, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. †

Lastly, it also comes with  Mobile Device Insurance.  By paying for your smartphone, tablet, or smartwatch using your TD Platinum Travel Visa Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

Legal Disclaimers

†Terms and conditions apply. TD Bank is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

This card has no minimum income requirement, meaning that anyone can apply. You'll also need to be a Canadian resident, and of the age of majority in your province/territory of residence to be eligible. Follow the below link to the TD® website to learn more about this card and submit an application.

Hi, can the TD points from this card be transferred to another points like aeroplan or something else.

Also, if I make a hotel reservation and then cancel it will I get the refund as credit on the card and cash in the $ ?

I have to cancel the card and wondering what can I do with the points .

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