TD Platinum Travel Visa* Card review

  • Rates & Fees
  • Eligibility

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

20.99% Purchase APR

22.99% Cash Advance APR

$89 Annual Fee Waived for the first year

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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  • 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
  • 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 writer, editor and credit card expert with over seven years of experience in personal finance. Cory joined Wise Publishing from BestCards, with bylines in numerous print and digital publications across North America, including the Miami Herald, St. Louis Post-Dispatch, AOL, MSN and Medium as well as financial podcasts like KOFE Talk.

Compare other TD credit cards

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TD Platinum Travel Visa Card Review

Earn td rewards points with every purchase and get travel perks with the td platinum travel visa card..

In this guide

30-second take

What to watch out for, td platinum travel visa card interest rates, what should i know before i apply, bottom line, frequently asked questions about the td platinum travel visa card.

  • Consider getting this card if you travel frequently and want comprehensive insurance coverage and the ability to earn reward points on all purchases.
  • Choose something else if you don’t want to pay an annual fee of $89.
  • You must be a Canadian resident and the age of majority in your province. There is no minimum income requirement for this card.

If you’re a travel enthusiast and want a travel card with a boosted rewards program, then the TD Platinum Travel Visa Card could be the right choice for you. This card saves you money for your next trip and lets you use your travel points on all your daily purchases.

This card has no minimum annual income requirement to apply and that makes it an extremely accessible card for everyone.

  • Welcome bonus. Earn up to 50,000 TD Rewards Points (a travel value of $400). Plus, get the first year annual fee waived. Conditions Apply. Apply by September 3, 2024.
  • Earn reward points. Earn 6 TD Rewards Points per $1 spent on travel booked online through Expedia for TD, earn 4.5 TD Rewards Points per $1 spent on eligible grocery purchases, 3 TD Rewards Points per $1 spent on regularly recurring bill payments, and earn 1.5 TD Rewards Points for every $1 you spend on all other eligible purchases.
  • Flexible rewards. TD Rewards Points never expire and can be redeemed for travel discounts, gift cards, merchandise or as a statement of credit.
  • Travel insurance coverage. Get a comprehensive travel insurance package including up to $500 coverage for delayed flights and up to $1,000 coverage per person for delayed and lost baggage.
  • Common carrier insurance. Get up to $500,000 Commom Carrier Travel Accident Insurance on accident-insured losses while traveling on common transport like buses, planes, ferries and trains.
  • Purchase security. Get extended warranty and insurance coverage for your latest purchases in case they’re stolen or damaged.
  • Rental car excess coverage. Get a minimum 10% discount in Canada and the US, and a minimum 5% discount internationally with Avis, Budget and other participating car rental agencies.
  • Fraud protection. Visa’s Zero Liability insurance offers protection in case of illegal, unauthorized or fraudulent activities detected on your account.
  • Cardless payments. You can save time by checking out with Visa payWave technology on Google Pay for Android and Apple Pay for iOS users.
  • Annual fee. The annual fee is $89 – but the fee is waived in the first year.
  • High interest rate. You will be charged 20.99% interest on outstanding purchase balances and 22.99% for cash advances.
  • Additional card fee. Additional cards cost $35 each.
  • Medical insurance. You won’t be covered for any medical emergencies with this card.

Eligibility requirements

  • Be a Canadian citizen or permanent resident
  • Be the age of majority in your province/territory of residence
  • There is no minimum income requirement

Required documents and information

  • Your name, residential status and contact information
  • Your social insurance number and date of birth
  • Your email address and phone number

The TD Platinum Travel Visa Card offers a welcome bonus, the ability to earn reward points on all purchases and comprehensive travel insurance. The card comes with seven different insurance coverages such as common carrier insurance, car rental insurance, purchase security insurance, lost baggage insurance and fraud protection, with other extra benefits. This card is not for you if you don’t want to pay an annual fee of $89 or don’t travel frequently.

Do I need to set up a travel notification before my trip?

Do i need to pay extra when i use my card abroad.

Picture : td.com/ca

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TD Platinum Travel Visa * Card

Summary of flytrippers' review, why get this card.

  • The good welcome bonus worth $273
  • The flexibility of simple points that can be applied to almost any travel
  • The good insurance coverage
  • The fact there’s no annual fee the 1 st year

WHO SHOULD GET THIS CARD

  • Those who want simple points that can be applied to almost any travel
  • Those with lower income (no minimum income required)
  • Those who want no annual fee the 1 st year (even though the total value is always what you should look at)

How to learn more

  • Go to our editorial card review page (coming soon)
  • Keep scrolling here for all the details
  • Apply now via TD secure link
  • See all the best credit cards in Canada

Card details

Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and no Annual Fee for the first year†. 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†.
  • Get an Annual Fee Rebate 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 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:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.
  • Booking your travel through Expedia® For TD† to maximize the TD Rewards Points you can earn on your travel purchases.
  • An extensive suite of travel insurance coverages which helps you travel prepared
  • 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.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Earn 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.

Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.

Earn 3 TD Rewards Points  for every $1 you spend on regularly recurring bill payments set up on your Account†.

Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.

†Terms and conditions apply.

Welcome bonus structure (2 separate bonuses) (INCREASED OFFER – ends September 3, 2024)

15,000 TD Rewards points Bonus after making 1 purchase (no minimum amount) 35,000 TD Rewards points Bonus after spending $1,000 (in a maximum of 90 days)

50,000 TD Rewards points Total with the 2 parts of the bonus

Earn on the minimum spending requirement

4,500 TD Rewards points Estimated earn on the minimum spending requirement of $1,000 (at multiplier earn rate of 4.5 pts/$)

Total rewards by unlocking the welcome bonus

54,50 0 TD Rewards points  Welcome bonus + earn on the minimum spending requirement to unlock it

‣ Apply for the TD Platinum Travel Visa * Card

Value of the welcome bonus offer (at our Flytrippers Valuation of  0.5¢/pt )

$75 Bonus after 1 st purchase (15,000 pts) $175 Bonus after min. spend (35,000 pts) $23 Earn on the min. spend (4,500 pts) –$0 Card fee (no annual fee the 1 st year)

$273 Total net value by unlocking the welcome bonus alone

‣ Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

27.3%  Return on the minimum spending requirement ( $273  on $ 1,000  in 3 months)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

$273 Rewards you get for $0

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 54,500 TD Rewards points  you get by unlocking the welcome bonus:

$273 Travel booked on Expedia for TD $218 Travel booked on any website $218 Education credit with HigherEdPoints $182 Merchandise on Amazon ≈ $182 Gift cards ≈ $182 Merchandise $136 Statement credit

‣Learn more about the best redemptions of TD Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value  per TD Rewards point to help you understand:

0.5¢ Travel booked on Expedia for TD 0.4¢ Travel booked on any website 0.4¢ Education credit with HigherEdPoints 0.33¢ Merchandise on Amazon ≈ 0.33¢ Gift cards ≈ 0.33¢ Merchandise 0.25¢ Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 54,500 TD Rewards points  for:

54,500 pts Discount of $273 on travel booked on Expedia for TD

━ Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

54,500 pts Discount of $218 on travel booked on any website

Redemptions for education credits

Also a redemption of the more simple type, with a fixed value. TD Rewards points are among the very few that offer a non-travel redemption that doesn’t have a lower value than travel redemptions (at least compared to the least valuable of the 2 travel redemption options). You can use your points to get a fixed-value credit at select higher education institutions.

54,500 pts Credit of $218 at HigherEdPoints

Redemptions for anything other than travel (except HigherEdPoints)

Should  always be avoided , as with  all  rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Expiry TD Rewards points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about TD Rewards points expiry (coming soon)

Pooling TD Rewards points cannot be pooled with travel companions.

‣Learn more about pooling rewards (coming soon)

Logistics TD Rewards points can be used directly on the TD Rewards website.

‣Learn more about how to get started with TD Rewards (coming soon)

Rewards program summary Rewards: TD Rewards points Source: Bank rewards Type: More simple Flytrippers Valuation: 0.5¢ per point Minimum value: 0.5¢ per point Maximum value: 0.5¢ per point Transferable: No

‣Learn more about rewards programs basics (coming soon)

6 points per $ ( 3% ):

  • Travel booked through Expedia For TD †

4.5 points per $ ( 2.25% ):

  • Groceries †  (and indirectly at all retailers offering gift cards in grocery stores )
  • Restaurants† (and food delivery apps )

3 points per $ ( 1.5% ):

  • Recurring bill payments set up on your Account †

1.5 points  per $ ( 0.75% ):

  • All other purchases †

Earning with additional cards

Fee for additional cards: $35/1 st card ($0 for subsequent cards) † Quantity allowed: N/A Minimum age: N/A

‣Learn more about additional cards (coming soon)

Starbucks partnership † You get 50% more TD Rewards points and 50% more Stars.

‣Learn more about the TD and Starbucks partnership (coming soon)

10% discount on rental cars † Save 10% at Avis and Budget in Canada and the USA and at least 5% at international locations.

‣Learn more about the TD car rental benefit (coming soon)

Insurance included

Flight delay insurance ($500, 4hr minimum) † Travel accident insurance † Delayed and lost baggage insurance † Rental car insurance † Hotel burglary insurance † Purchase protection coverage † Extended warranty coverage † Mobile device insurance †

‣Learn more about the insurance coverage included with the TD Platinum Travel Visa * Card (coming soon)

Insurance not included

Medical travel insurance † Trip cancelation insurance † Trip interruption insurance †

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility Minimum income: $0 † Age: Majority in your province Estimated credit score: Good or Excellent Credit bureau: Equifax Canada

‣ Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have activated or closed this specific card in the past 6 months

‣ Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date Account must be approved by September 3, 2024 †

‣ Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details Issuer: TD Bank Canada Network: Visa Card type: Credit card Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Fees and rates Card fee: $89/year (rebated in the first year; account must be approved by September 3, 2024) † Fee for additional card: $35/1 st card (rebated in the first year; you must add your first Additional Cardholder by September 4, 2024) † Foreign transaction fee: 2.5% † Purchases annual interest rate: 20.99% † Funds advance annual interest rate: 22.99% † (20.99% for Québec residents) † Balance transfer fee: 3% †

‣Learn more about what Flytrippers recommends regarding fees and rates (coming soon)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here ).

via TD secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

† Terms and conditions apply.

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All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

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All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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Apply now for the TD Platinum Travel Visa * Card and get a welcome bonus worth $ 273 !

TD Platinum Travel Visa* Card   🇨🇦

  • 4.5X points on grocery and restaurants purchases†
  • Purchase Insurance

td logo

Earn up to $370 in value † , including up to 50,000 TD Rewards Points † and no Annual Fee for the first year † . 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 † .
  • Get an annual fee rebate 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 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.

  • Earn 6 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD † .
  • Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
  • Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account † .
  • Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card † .

Your Card also allows you to enjoy:

  • Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks ® and more.
  • Booking your travel through Expedia ® For TD † to maximize the TD Rewards Points you can earn on your travel purchases.
  • An extensive suite of travel insurance coverages which helps you travel prepared
  • 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.
  • Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

Fees & Conditions

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a first-year annual fee rebate :

Get an Annual Fee Rebate for the first year † .

There is no minimum income requirement for this TD credit card.

  • TD Best Credit Cards - June 2024
  • The Best Travel Credit Cards - June 2024
  • Expedia For TD: How To Redeem TD Rewards Points?
  • Canada's Best Credit Card Offers - June 2024

Alternative Cards

†Terms and conditions apply.

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TD Platinum Travel Visa* Card

Requirements.

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TD Platinum Travel Visa Card

The TD Platinum Travel card earns TD Rewards points and gives cardholders the opportunity to earn  5x TD Rewards  on purchases at Expedia For TD.

Rewards Rates

The TD Platinum Travel credit card earns TD Rewards points for all purchases made on the card:

  • 5 TD Rewards points for every dollar spent on purchases at Expedia for TD.
  • 3 TD Rewards points for every dollar spent on grocery purchases and recurring bill payments.
  • 2 TD Rewards points for every dollar spent on all other purchases.

Redeeming TD Rewards

TD Rewards points can be redeemed on Expedia For TD , applied towards “Book Any Way” travel purchases, or used to purchase merchandise and gift cards. Points can also be redeemed for a statement credit or education credit.

Click to learn everything there is to know about TD Rewards .

Insurance Coverage

The TD Platinum Travel card offers six types of insurance coverage:

  • Flight and trip delay insurance
  • Delayed and lost baggage insurance
  • Common carrier travel accident insurance
  • Rental car collision and loss damage coverage
  • Purchase security
  • Extended warranty protection

Refer to the TD Platinum Travel insurance certificate for additional details, including terms and conditions for eligibility.

Other TD Rewards Cards You Might Consider

†Terms and conditions apply.

Account must be  approved by Sep 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. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September  4, 2024 .

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.

This offer is not available for residents of Quebec.

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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Jun 4, 2024, 10:15am

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

  • High earn rate for rewards with Expedia.
  • Exclusive travel benefits.
  • Expensive annual fee.
  • Low annual net rewards earnings for average spenders.

TD First Class Travel Visa Infinite Card Review

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

  • Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
  • Get an annual TD Travel Credit † of $100 when you book at Expedia ®  For TD.
  • Get an Annual Fee Rebate for the first year†.
  • 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 September 4, 2024.
  • This offer is not available for residents of Quebec.
  • † Terms and conditions apply.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

  • Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
  • Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
  • Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.
  • 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.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make.

  • 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 recurring bill payments
  • Earn 2 TD Rewards Points for every $1 you spend on other purchase
  • Earn an annual Birthday Bonus of up to 10,000 TD Rewards Points, or 10% of the total number of TD Reward Points earned in the previous 12 months

There is an annual spend cap of $25,000 for each of the accelerated categories. Once you exceed that maximum, you’ll earn 2 TD Rewards Points for every dollar spent.

Here’s an example of how many TD Rewards Points you could get in the first year, including 100,000 TD Rewards Points (20,000 welcome bonus plus 80,000 points when you spend $5,000 within 180 days of account opening):

td platinum travel visa card

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility, which this card is lacking.

Credit card reward perks include:

  • Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals
  • Link your eligible card to earn 50% more TD Rewards Points and Starbucks Stars
  • Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you like to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to $1 off travel purchases. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

  • Comprehensive travel insurance coverage.
  • Discounts on car rentals with Avis and Budget Rent-A-Car.
  • Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

More Card Benefits and Features

TD Rewards Program Benefits:  

  • Go places on points and redeem through Expedia for TD (where your points are worth more) or book through any other travel agency or website and use your points within 90 days of purchase.
  • Shop online for merchandise and gift cards through TDRewards.com
  • Pay with rewards and pay down your credit card balance with points.

Travel Benefits:

  • Annual $100 TD Travel Credit on your first eligible travel credit purchase of $500 or more made with Expedia for TD
  • Travel medical insurance, up to $2 million of coverage for the first 21 days (or the first four days if you or your spouse is aged 65 or older)
  • Flight/trip delay insurance, up to $500 in coverage if your flight is delayed for over four hours
  • Trip cancellation, up to $1,500 per person with a maximum of $5,000 for all insured persons
  • Trip interruption, up to $5,000 per person, with a maximum of $25,000 for all insured persons
  • Common carrier travel accident insurance, up to $500,000
  • Emergency travel assistance services
  • Delayed and lost baggage insurance, up to $1,000 per person if your baggage is delayed more than six hours or lost
  • Auto rental collision/loss damage insurance, up to 48 consecutive days
  • TD’s Credit Card Travel Insurance Verification Tool lets you  check your insurance benefits
  • Hotel/motel burglary insurance, up to $2,500 of coverage 

Additional Benefits and Features:

  • TD Payment Plans let you turn purchases of $100 or more into manageable six, 12 or 18 month payment plans
  • Save a minimum of 10% off the lowest available base rate with Avis Rent A Car and Budget Rent A Car in Canada and the U.S. and 5% internationally
  • Use Apple Pay, Google Pay or Samsung Pay where contactless payments are accepted

Visa Infinite Benefits:

  • Complimentary Visa Infinite Concierge 24/7
  • Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 hotels
  • Visa Infinite Dining Series gives you access to exclusive gourmet events
  • Visa Infinite Wine Country Program gives exclusive benefits at over 95 participating wineries in B.C., Ontario and Sonoma Valley, including discounts on wine purchases, complimentary tastings, private vineyard tours and more
  • Visa Infinite Entertainment Access provides exclusive access to tickets to curated events
  • Visa Infinite Troon Golf provides elevated Troon Rewards Silver Status at over 95 courses and 10% off green fees, merchandise and lessons 
  • Mobile device insurance, up to $1,000 of coverage in the event of loss, theft, accidental damage or mechanical breakdown
  • Chip and PIN technology provides an added level of security
  • Purchase security and extended warranty protection within 90 days or purchase, or double the warranty period (up to 12 months) if the item comes with a manufacturer’s warranty
  • Visa Secure provides you with increased security and convenience when you shop online
  • Instant TD Fraud Alerts whenever there is any suspected suspicious activity
  • Set transaction limits, block international purchases or lock your credit card in the TD app
  • Pay online with Click to Pay 

Optional Benefits:

  • Optional TD Credit Card Payment Protection Plan helps you with your payment obligations in the event of a covered job loss, total disability or loss of life
  • Optional TD Auto Club Membership that provides 24/7 emergency roadside assistance

Interest Rates

  • Regular APR: 20.99%
  • Cash Advance APR: 22.99%
  • Foreign Transaction Fee: 2.50%
  • Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by September 3, 2024)
  • Any other fees: Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, 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.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Why should you get a travel rewards credit card?

A travel rewards card helps you earn points on everyday purchases (like groceries) that can be redeemed for travel-related expenses, like flights and hotels. You even earn points on travel-related bookings, earning 8 TD Rewards Points for every $1 you spend when you book travel through Expedia for TD.

How do you earn TD Rewards Points?

You earn points with travel bookings, shopping at a grocery store or eating at a restaurant, on recurring bill payments and everyday purchases.

How do you redeem TD Rewards Points?

You can redeem your TD Rewards Points when  you book travel online through Expedia for TD, or any other travel provider. You can redeem your points on Amazon.ca with Amazon Shop with Points or shop for merchandise on TDRewards.com. Finally, you can also redeem TD Rewards Points to pay your credit card account balance on the TD app or EasyWeb.

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.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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Credit cards

Best travel credit cards of June 2024

Robin Saks Frankel

Grace Pilling

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“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 12:58 p.m. UTC June 5, 2024

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The best credit cards for travel set themselves apart from other credit cards by offering an array of benefits that make it easier and more rewarding to explore the world. These travel credit card offerings provide generous rewards and perks tailored to the needs of those on the go.

We analyzed all of the available options in this category, from issuers both large and small, to curate a list of the very best travel credit cards of 2024. Here are our selections.

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The Platinum Card® from American Express

The Platinum Card® from American Express

Welcome bonus

Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

  • Over $1,500 in travel and entertainment credits can offset the annual fee.
  • Comprehensive lounge access benefit.
  • Generous travel and purchase protections.
  • High annual fee and spending requirements.
  • Amex’s once-per-lifetime rule limits welcome bonus eligibility.
  • Annual statement credits have limited use.

Card details

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That’s up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

Best travel credit cards

  • Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best credit card for travel.
  • IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best hotel card.
  • Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best cobranded airline card.
  • The Platinum Card® from American Express : Best for airport lounge access.
  • Capital One Venture Rewards Credit Card *: Best for simple redemption process.
  • Chase Sapphire Preferred® Card : Best for high value with a low annual fee.
  • Chase Sapphire Reserve® : Best for increased redemption value.
  • Wells Fargo Autograph Journey℠ Visa® Card *: Best for high rewards on all types of travel.
  • American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. : Best for high rewards on travel and dining.
  • Bilt World Elite Mastercard® : Best travel credit card for renters.

All information about American Express® Green Card has been collected independently by Blueprint.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

  • 85+ cards analyzed.
  • 20+ data points analyzed.
  • 5-step fact-checking process.

Best credit card for travel

Capital one venture x rewards credit card.

The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Venture X Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

  • High reward potential.
  • Wide selection of statement credits.
  • No foreign transaction fees.
  • No hotel or airline-specific benefits.
  • Requires excellent credit.
  • High annual fee.
  • Annual fee: $395.
  • Rewards: 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
  • Welcome bonus: 75,000 miles after spending $4,000 on purchases in the first three months of account opening.
  • APR: 19.99% to 29.99% variable APR on purchases and balance transfers .
  • Other perks and benefits: No foreign transaction fees, 10,000 mile card ownership anniversary bonus, $300 annual credit reimbursement for travel bookings made through Capital One Travel, $100 Global Entry or TSA PreCheck application reimbursement credit, airport lounge access benefits, cellphone protection benefit, transfer miles to travel and hotel partners, Hertz President’s Circle Status.

Best hotel card

Ihg one rewards premier credit card.

The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

IHG One Rewards Premier Credit Card

Earn 140,000 bonus points after you spend $3,000 on purchases in the first 3 months from account opening.

  • Earn up to 26 total points per $1 spent at IHG hotels.
  • Free night after your account anniversary each year.
  • Redeem three nights, get a fourth consecutive night free.
  • $99 annual fee.
  • Value per point may be low compared to competing hotel chains.
  • Potentially high APR.
  • Annual fee: $99.
  • Rewards: Earn 10 points per $1 at IHG Hotels and Resorts, another 10 points per $1 as an IHG One Rewards member, 6 points per $1 from IHG with Platinum Elite Status (a benefit of this card), 5 points per $1 on travel, dining and gas stations and 3 points per $1 on all other purchases.
  • Welcome bonus: Earn 140,000 points after spending $3,000 on purchases in the first three months of account opening.
  • APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies .
  • Foreign transaction fees: None.
  • Perks and benefits: Free night after your account anniversary, redeem three award nights and get a fourth consecutive night free, automatic Platinum Elite status, baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance, credit of up to $100 to reimburse Global Entry, TSA PreCheck or NEXUS.

Best cobranded airline card

Aeroplan® credit card.

The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 70,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

  • Ability to spend your way to elite status is rare for a card at the $95 price point.
  • Generous rewards on everyday spending categories.
  • Discounts on award tickets.
  • Aeroplan charges high redemption rates on some award tickets compared to other Star Alliance carrier rates.
  • The annual fee may be hard to justify for those who don’t regularly fly Aeroplan to take advantage of the airline-specific perks.
  • Annual fee: $95.
  • Rewards: 3 points per $1 spent on dining, takeout and eligible delivery services, grocery stores and directly with Air Canada and 1 point per $1 on all other purchases. Earn 500 points for every $2,000 spent in a month (maximum 1,500 points per month).
  • Welcome offer: Earn 70,000 points after spending $3,000 on purchases in the first three months of account opening.
  • APR: 21.74% to 28.74% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies.
  • Foreign transaction fees: $0.
  • Perks and benefits: Aeroplan 25K status through the rest of the calendar year and next. Maintain status with $15,000 spent in a calendar year. Existing status holders can upgrade to 35K status with $50,000 in spending per calendar year, first checked bag free for cardmember and up to eight travel companions, $100 Global Entry, TSA Precheck or NEXUS application fee credit every four years, preferred pricing on award flights, trip cancellation/interruption insurance, baggage delay insurance, trip delay reimbursement, secondary auto rental collision damage waiver, purchase protection.

Best for airport lounge access

Best for simple redemption process, capital one venture rewards credit card.

The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Capital One Venture Rewards Credit Card

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

  • Decent value for the annual fee.
  • Worthwhile collection of perks and travel protections.
  • $95 annual fee.
  • No low introductory APR period.
  • Rewards: 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.
  • Other perks and benefits: No foreign transaction fees, up to $100 credit towards Global Entry or TSA Precheck application fee, auto rental collision damage waiver, travel accident insurance, extended warranty benefit, transfer miles to eligible loyalty programs.

Best for high value with a low annual fee

Chase sapphire preferred® card.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.

  • Flexible points that can be transferred to 14 travel partners or redeemed through Chase Travel℠ at 1.25 cents each.
  • $50 annual statement credit toward Chase Travel hotel bookings.
  • Valuable travel protections.
  • Category bonuses are limited and not competitive against other travel cards.
  • Transfer partner list is limited compared to programs like Amex Membership® Rewards and Citi ThankYou®.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC

Best for increased redemption value

Chase sapphire reserve®.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.

  • Up to $300 annual travel credit and Priority Pass Select lounge access.
  • Redeem points for 50% more value to book travel through Chase Travel℠.
  • Transfer points 1:1 to partners such as United Airlines and World of Hyatt.
  • Not ideal if you aren’t interested in transferring points.
  • May not qualify if you’ve applied for 5 or more credit cards in the last 24 months.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Travel℠.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Best for high rewards on all types of travel

Wells fargo autograph journey℠ visa® card.

The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Wells Fargo Autograph Journey℠ Visa® Card

60,000 bonus rewards points after spending $4,000 in the first three months

  • Rewards: 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
  • Welcome bonus: 60,000 points after spending $4,000 in purchases in the first three months of account opening.
  • APR: 21.24%, 26.24%, or 29.99% variable APR on purchases and balance transfers. An intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies for 120 days from account opening. After that, a fee of up to 5% for each balance transfer, with a minimum of $5, applies.
  • Foreign transaction fee: None.

Best for high rewards on travel and dining

American express® green card.

The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

American Express® Green Card

Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express® Green Card within the first 6 months of Card Membership.

  • Lower annual fee than some comparable cards.
  • Credits for CLEAR® Plus membership and airport lounges.
  • Fewer perks than more premium travel cards.
  • Complex rewards structure.
  • Some reward redemptions are a poor value.
  • Annual fee: $150.
  • Rewards: 3 points per $1 at restaurants, 3 points per $1 on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per $1 on other purchases. Welcome bonus: 40,000 Membership Rewards points after spending $3,000 in purchases in the first six months of card membership.
  • APR: See terms for Pay Over Time eligibility and program details.
  • Perks and benefits: Up to $100 LoungeBuddy statement credit, up to $189 CLEAR® Plus statement credit and additional travel protections.

Best travel credit card for renters

  • Bilt World Elite Mastercard®

Bilt World Elite Mastercard®

  • Earns rewards on rent payments.
  • No transaction fee for paying rent by credit card.
  • No annual fee or Foreign Currency Conversion Fee.
  • You must make five transactions per billing period to earn rewards.
  • No welcome bonus or intro APR period.
  • Restrictive definition of what counts as a travel purchase.
  • $0 annual fee
  • Earn 3x points on dining, 2x points on travel (when booked directly with an airline, hotels, car rental agencies, and cruise lines), 1x points on rent payments without a transaction fee (on up to 100,000 points each calendar year) and 1x points on other purchases
  • Earn double points on the first of the month (i.e. 6X points on dining, 4X on travel and 2X on other purchases; except rent)
  • Earn points when you make 5 transactions that post each statement period
  • Cellular Telephone Protection
  • Purchase Security (theft and damage protection)
  • Concierge Service
  • Lyft Credits
  • No Foreign Currency Conversion Fee
  • Rewards & benefits terms
  • Select ‘Apply Now’ to learn more about the product features, terms, and conditions.

Compare the best credit cards for travel

td platinum travel visa card

Why it’s the best

The Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers great value with its lineup of travel credits, including a $300 annual credit reimbursement for travel bookings made through Capital One Travel — Capital One’s online travel agency. If fully maximized it can negate much of the card’s $395 annual fee. Plus, the card earns a 10,000-mile anniversary bonus each year. For a premium card, the Venture X is priced well below its peers.

  • Comes with airport lounge access.
  • Miles earned on the card can be transferred to multiple travel partners.
  • Elite rental status with Hertz¹.
  • The travel credit is only for bookings made through Capital One.
  • Redeeming your earnings for cash is a poor value.
  • There’s a sizable annual fee.

Card details:

  • Rewards: Earn 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.
  • Welcome bonus: Earn 75,000 miles after spending $4,000 on purchases in the first three months of account opening.

The IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. earns rewards at a rapid pace, thanks to the automatic Platinum elite status granted to cardholders. The status, combined with the rewards earned from using the card at eligible IHG stays can earn you up to a whopping 26 points per dollar, fast-tracking you to free nights faster than you can say “InterContinental Hotels Group.”

  • Ultra-high rewards rate, especially on IHG spending.
  • Card offers a free anniversary night.
  • Robust travel protections and coverages.
  • The free anniversary night is capped at 40,000 points.
  • Points are relatively low value.
  • Travel coverage does not include auto rental insurance.

The Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of just a small handful of airline credit cards to include elite status as a cardholder perk. The card also allows you to pay yourself back on eligible travel purchases at a rate of 1.25 cents per point, and Aeroplan miles can be used on more than 45 partner airlines, making it a must-have in the wallets of frequent globetrotters.

  • Offers elite status for the remainder of the year and the full calendar year.
  • Discounted pricing on reward flights.
  • Free checked bag for you and up to 8 companions.
  • Elite status isn’t an ongoing perk.
  • Aeroplan doesn’t have U.S.-only flights.
  • There’s an annual fee.
  • Rewards: Earn 3 points per $1 spent on dining, takeout and eligible delivery services, grocery stores and directly with Air Canada and 1 point per $1 on all other purchases. Earn 500 points for every $2,000 spent in a month (maximum 1,500 points per month).
  • Welcome bonus: Earn 70,000 points after spending $3,000 on purchases in the first three months of account opening.
  • Foreign transaction fee: $0.

The Platinum Card® from American Express (terms apply, rates & fees ) offers the most widespread lounge access benefits of any card on the market. While the high price point may be prohibitive for some, consider that the card offers more than a $1,000 value in potential statement credits. Enrollment is required for select benefits.

  • Expansive airport lounge access.
  • Up to $200 in Uber Cash annually, up to $200 airline incidental fee statement credit per calendar year (applicable to one qualifying airline of your choice) and an up to $240 digital entertainment statement credit. Enrollment required.
  • Hotel and rental car elite status with several brands.
  • Sky-high annual fee.
  • Statement credits can be hard to fully maximize.
  • Rewards rate is mediocre outside of flights and travel booked through Amex.
  • Annual fee: $695.
  • Rewards: Earn 5 Membership Rewards® points per $1 for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per $1 on prepaid hotels booked with American Express Travel and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 80,000 Membership Rewards® Points after spending $8,000 on eligible purchases in the first six months of card membership.

The Capital One Venture Rewards Credit Card * The information for the Capital One Venture Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an easy-to-use travel rewards card with a soft-on-the-wallet price. You can use your miles to book travel through Capital One, redeem them to cover a past travel purchase or transfer them to Capital One’s 15+ travel loyalty partners.

  • It’s easy to understand both earning the rewards and how to use them.
  • Application fee reimbursement for TSA PreCheck or Global Entry (up to $100).
  • Get Hertz Five Star rental card elite status¹.
  • No lounge access.
  • The highest rewards rate is for bookings through Capital One Travel.
  • Other cards may offer even higher rewards in areas where you spend the most.
  • Rewards: Earn 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment and 2 miles per $1 on other purchases.

The Chase Sapphire Preferred® Card offers generous rewards on travel and dining and a straightforward redemption program. It’s an excellent choice for both frequent and aspiring travelers looking to maximize their everyday spending. Plus, rewards on this card are worth 25% more when redeemed for travel through Chase Travel℠. You’d be hard-pressed to find another travel card that packs more punch in an affordable package.

  • Annual bonus point award equal to 10% of total purchases made in the past year.
  • Can transfer points 1:1 to Chase’s travel loyalty partners.
  • Extensive travel and purchase protections including primary auto rental coverage.
  • Lacks airport lounge access and hotel elite status.
  • Rewards are worth less than a penny per point when not used for travel redemptions.
  • Hotel bookings made through Chase aren’t eligible for elite loyalty benefits.
  • Rewards: Earn 5 points per $1 on travel purchased through Chase Travel℠, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases.
  • Welcome bonus: Earn 60,000 points after spending $4,000 on purchases in the first three months of account opening.

The Chase Sapphire Reserve® ‘s $550 annual fee can be offset by a slew of benefits. Plus, the Chase Ultimate Rewards® points earned on this card can be redeemed at a 50% increase in value when used to book travel through Chase Travel. So for example, 100,000 points on this card can be redeemed for $1,500 worth of travel booked through the issuer , helping you stretch the value of your rewards even further.

  • Up to $300 annual travel credit good for a wide variety of travel expenses.
  • Access to airport lounges via Chase Sapphire Lounges and the Priority Pass Select network (enrollment required).
  • 1:1 points transfer to a long list of airline and hotel loyalty program partners.
  • The annual fee may be hard to swallow for some, even with the potential credits.
  • You’ll need excellent credit to be approved for the card.
  • Low rewards rate on everyday expenses like groceries and gas.
  • Annual fee: $550, plus $75 per authorized user.
  • Rewards: Earn 5 points per $1 on flights and 10 points per $1 on hotels and car rentals purchased through Chase Travel℠ after the first $300 is spent on travel purchases annually. Earn 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.

The Wells Fargo Autograph Journey℠ Visa® Card * The information for the Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers fantastic rewards across all things travel, without having to pledge loyalty to a specific brand or book through the issuer. That makes it a unicorn among other travel cards that are either cobranded or require booking through the bank’s travel site.

  • Ultra-high rewards on hotels with any brand and high rewards on airfare and other travel.
  • Rewards can be pooled with other Wells Fargo cards.
  • Robust travel protections cover your trip, baggage and cellphone protection.
  • Limited number of travel transfer partners.
  • Lacks lounge access and other elite perks like hotel or rental car status.
  • Lackluster rewards on everyday spending categories like groceries and gas.
  • Rewards: Earn 5 points per $1 on hotels, 4 points per $1 on airlines, 3 points per $1 on other travel and dining and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 60,000 points after spending $4,000 in purchases in the first three months of account opening.

The American Express® Green Card * The information for the American Express® Green Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) may come with an annual fee slightly above its entry-level travel card peers, but its high rewards on travel and dining, plus the annual statement credits, can far outweigh that carrying cost.

  • Earns generous rewards on a wide array of travel spending, plus dining too.
  • Annual CLEAR ® Plus and LoungeBuddy credits are worth more than the annual fee. Enrollment required.
  • Valuable travel insurances and protections.
  • The LoungeBuddy credit may not be enough for frequent flyers.
  • The annual fee is higher than competing travel cards.
  • Redeeming your rewards for cash-back offers poor value for your points.
  • Rewards: Earn 3 points per $1 at restaurants, 3 points per $1 on travel including flights, hotels, transit, taxis, tours, and ridesharing services and 1 point per $1 on other purchases.
  • Welcome bonus: Earn 40,000 Membership Rewards points after spending $3,000 in purchases in the first six months of card membership.

The Bilt World Elite Mastercard® is one-of-a-kind because you can earn rewards on paying rent without any additional transaction fees. Add in more than a dozen airline and hotel transfer partners, a long list of travel protections and other perks and this no-annual-fee card is one of the best travel cards on the market. You can even save up your Bilt Rewards toward a future down payment on a home.

  • Points are worth 25% more on travel booked through Bilt.
  • You can spend your way to elite status tiers, unlocking different benefits at each level.
  • The issuer offers bonus rewards and other benefits on the first of every month.
  • You have to use your card at least five times each statement period to earn rewards.
  • No welcome offer for new cardholders.
  • It’s best for renters as mortgage statements can’t be paid with the card.
  • Annual fee: $0.
  • Rewards: 1 point per $1 on rent payments without a transaction fee (on up to 100,000 points each year), 2 points per $1 on travel (when booked through the Bilt Travel Portal or directly with an airline, hotel, car rental or cruise company), 3 points per $1 on dining and 1 point per $1 on other purchases. At least five transactions must be made per statement period to earn these rewards.
  • Welcome bonus: None.
  • Foreign currency conversion fee: None.

Methodology

Our credit cards team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:

  • Estimated annual earnings: 33%.
  • Flexibility of rewards earned on the card: 10%.
  • Booking flexibility with the card: 10%.
  • Hotel earnings: 8%.
  • Airline earnings: 8%.
  • Annual fee: 5%.
  • Free checked bag perk: 3%.
  • Lounge access: 3%.
  • Annual credits: 2%.
  • Potential credits: 2%.
  • Global Entry application fee reimbursement: 2%.
  • TSA PreCheck application fee reimbursement: 2%.
  • CLEAR Plus application fee reimbursement: 2%.
  • Trip delay coverage: 2%.
  • Trip cancellation coverage: 2%.
  • Baggage delay coverage: 2%.
  • Hotel elite status: 2%.
  • Number of travel companions eligible for primary cardholder’s checked bag perk: 1%.
  • Flight companion certificate with card ownership: 1%.

What is a travel credit card?

A travel credit card is a card that earns points or miles on your spending and usually offers the best redemption values when those rewards are used for travel. 

Generally, there are two types of travel rewards cards: 

  • Cobranded cards: These earn a specific currency tied to an airline or hotel brand, like Delta SkyMiles or Hilton Honors points.
  • Flexible cards: These earn “flexible” rewards, like American Express Membership Rewards or Citi ThankYou points, that can be used to book travel across several hotels and airlines.

Co-branded cards typically earn higher rewards for purchases made within the brand and general travel cards tend to earn rewards that can be redeemed for more types of travel.

How do travel credit cards work?

With a travel credit card, you’ll earn points or miles as you spend. When you’ve accumulated enough rewards, you can redeem them for flights, hotels and other travel expenses. Redemption options will vary depending on your card. Some issuers offer boosted redemption rates for booking through their travel portal, while others allow you to transfer points directly to airline and hotel partners or apply them as a statement credit to cover travel charges made with the card.

Many travel credit cards also come with perks for travelers, like a free checked bag for your flight, a free annual hotel night or a credit towards the application fee for a trusted traveler program like Global Entry or TSA PreCheck .

“Travel rewards cards are a great way to leverage personal and business card use and turn it into free airline tickets and hotel rooms. Be sure to choose a card that has rewards that are applicable to your preferred airline and hotel brands”, said John Ulzheimer, president of The Ulzheimer Group and nationally recognized credit expert.

Benefits of travel credit cards

Travel rewards credit cards offer a range of benefits to frequent and occasional travelers alike:

  • Earn rewards for everyday spending. Use your travel credit card to pay for purchases you’d be making anyway and earn rewards you can use for travel.
  • Lower the out-of-pocket cost of travel. Whether you use your points to pay for airfare, nights at a hotel or for a rental car, redeeming your earnings for travel can significantly reduce the cost of a trip.
  • Receive free nights, checked bags and other perks. Many cobranded credit cards come with a free night perk or waive the fees for checking luggage, both of which can save you money and may be worth more than the cost of the card itself.
  • Enjoy new travel experiences. Stories abound of people who have used their credit card rewards to take over-the-top luxury trips. Even if an overwater villa in the Maldives is not your thing, having enough points for a free flight or hotel may be enough incentive to nudge you towards taking a trip to a new city or to see family and friends in far-flung places.
What is Priority Pass and how does it work? Here’s everything you need to know about this airport lounge network

Who should get a travel credit card?

Most people can benefit from a travel credit card. Whether you’re a frequent traveler or are just looking for an occasional getaway, there’s likely a travel rewards card out there that can help you maximize your savings.

Consider how you like to travel and what you’re looking to achieve with a new travel card. Points and miles programs can be complex, and some travel credit cards require time and energy to get the most value. Other credit cards offer straightforward redemption as statement credits to offset a variety of travel spending you do directly with airlines, hotels and other travel services. Take time to plan how you would get the most out of a prospective rewards program and its transfer partners, or whether you’d be better off with a simpler approach.

Before you shell out a high annual fee for a perk-laden card, consider if the benefits it comes with are ones you’d actually use. In many cases, taking full advantage of statement credits, anniversary bonuses and other perks like free nights can more than offset the annual fee .

If you rarely travel and are considering saving up over a long period of time for a trip, keep in mind that rewards don’t earn interest. In fact, rewards often lose value over time and may even expire . It’s a general best practice not to sit on your rewards for too long.

Types of travel credit cards

Travel credit cards often provide a wide range of benefits, from travel and purchase protections to airfare and hotel redemptions.

Understanding the different types of travel rewards cards is the first step to finding the right card for you. There are several major types of travel credit cards:

Airline-specific cards 

The best airline credit cards offer exclusive discounts and rewards when you use them with a specific airline. Many also offer free companion tickets or priority boarding benefits. Examples of cobranded airline cards include: 

  • Aeroplan® Credit Card * The information for the Aeroplan® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • United℠ Explorer Card * The information for the United℠ Explorer Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • JetBlue Plus Card * The information for the JetBlue Plus Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Hotel-specific cards

These cards may give you access to exclusive discounts at certain hotel chains and resorts, as well as rewards to be redeemed for free nights or upgrades. Hotel loyalty status is a common benefit among the best hotel credit cards . Examples of cobranded hotel cards include: 

  • IHG One Rewards Premier Credit Card * The information for the IHG One Rewards Premier Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Hilton Honors American Express Aspire Card * The information for the Hilton Honors American Express Aspire Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply)
  • Marriott Bonvoy Brilliant® American Express® Card (terms apply)

All information about Hilton Honors American Express Aspire Card has been collected independently by Blueprint.

Flexible points cards

These cards allow you to earn points for every dollar spent that can be redeemed for flights, hotel stays, car rentals and other travel bookings. Major issuers often offer boosted earning or redemption rates when using their online travel booking portals. These cards may also allow you to transfer points to airline or hotel partners, providing the most flexibility when it comes to redemptions. Examples include:

  • Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
  • Chase Sapphire Reserve®  

Flexible rewards vs. airline or hotel credit cards

For those who travel often but don’t have a particular brand loyalty, the best travel card is likely one that earns flexible rewards on every purchase. Flexible rewards are not tied to a specific airline or hotel loyalty program but rather to a card issuer’s travel agency redemption program. Chase Ultimate Rewards® and American Express Membership Rewards® are two examples, but Capital One offers Miles , Citi offers ThankYou® Points and other major issuers have similar reward programs.

Airline- and hotel-specific cards offer rewards tied to a loyalty program with the airline or hotel, and typically offer better value with that carrier or brand, but not as much flexibility with redemption options. Only apply for a card like this if you’re sure the brand is the one you want.

If you only take an occasional trip, then a more flexible reward card may be a better choice. 

Cash-back cards offer simpler reward redemptions and the rewards earned can still be used toward future trips or redeemed for gift cards or other rewards if travel remains a priority.

td platinum travel visa card

How to compare and choose the best travel rewards card

When it comes to choosing the right card for your needs, there are several factors to consider:

  • What type of rewards do you want to earn? General points that can be used for travel expenses with different airlines and hotels are more flexible, but if you’re loyal to a particular travel brand you can earn their specific currency and enjoy elevated status and other perks.
  • Does the card come with a good welcome bonus? Many cards offer a generous welcome bonus (sometimes called a sign-up bonus) when you spend a certain amount on purchases in the first few months of receiving the card. This can be an easy way to get an infusion of rewards when you first open your account — but when calculating a card’s value, remember the welcome bonus is a one-time deal. 
  • Are you willing to pay the annual fee? Some cards have no annual fee, while others come with a hefty price tag but offer more generous rewards or benefits. Make sure you understand all the fees before making a decision so that you don’t end up paying for benefits you won’t actually use.
  • Does it come with any additional benefits that offer value? Card perks such as travel insurance , airport lounge access or exclusive discounts and offers can help make your travel smoother and your card more cost effective.
Wondering how two top travel cards compare to each other? We break down the differences between the Capital One Venture X vs. the Chase Sapphire Reserve

Evaluating reward potential

“Something to keep in mind when it comes to earning travel rewards is that your mileage may vary. Often the best value redemptions will come when used for less-traveled destinations or off-peak travel times. And your rewards redemptions don’t have to be luxurious to be meaningful. Some of my most cherished memories have come from when I’ve used rewards to visit family and friends where the location was not the focus,” – Robin Saks Frankel, USA TODAY Blueprint lead editor credit cards

We evaluate the reward potential of travel rewards credit cards based on what we’d expect a household in the 50th percentile of wage earners to spend each year on a credit card. We gather these figures from government sources and other publicly available data. 

In a year, we expect a household might spend about $25,087 of this on a credit card. Of this credit card spending, we’d expect about $2,941 to be spent on overall travel — which breaks down as $1,188 spent on airfare, $868 spent on hotels and $885 spent on all other travel. For frequent travelers carrying high-annual-fee travel rewards cards — like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. , which charges an annual fee of $395 — we expect about twice this much spending in the travel categories. 

The Capital One Venture X earns 2 miles per $1 on purchases, 5 miles per $1 on flights booked through Capital One Travel and on purchases through Capital One Entertainment and 10 miles per $1 on hotels and rental cars booked via Capital One Travel.

Using government data and other publicly available information, we estimate that a household in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in annual expenses they are likely to be able to charge to a credit card. Here’s how our sample household would fare with the Capital One Venture X Card:

The cardholder in this example earns a grand total of 85,350 miles annually, which is worth $853.50 if used to book travel through Capital One or when eligible travel is booked elsewhere and you redeem your miles to cover the purchase. 

The right travel card can net you lucrative rewards. But make sure to select a card based on your spending and travel habits — the best card for travel will differ from person to person.

Tips for maximizing your travel credit card

There are several ways to get the most out of your travel credit card:

  • Pay your bill on time every month and aim to pay it in full. If you carry a balance, the accumulated interest fees will likely be more than the value of any rewards earned on the card.
  • Try to earn the card’s welcome bonus. Top travel cards offer outsized welcome bonuses for new cardholders who can meet a minimum spending requirement. Earning that bonus can give a nice boost to your rewards balance.
  • Be aware of the perks your card offers. Many travel cards offer discounts or statement credits for travel-related spending, like a discount within a hotel collection, cellphone insurance or elite status within a brand. Knowing what your card comes with means you can fully maximize those benefits.
  • Don’t sit on your rewards for too long. Unlike money in the bank, travel rewards do not earn interest and may actually be worth less over time. The value of your rewards is often tied to the cash price of travel and travel only tends to get more expensive year-over-year.

How to travel for cheaper with travel cards in 2024

New year, new travel possibilities. What’s more, it’s entirely possible to travel for cheaper by maximizing your credit card strategy with the right travel cards in hand. There are droves of rewards cards to choose from, so it can be hard to choose the right one for you.

Travel credit cards earn points or miles that can be redeemed for flights, hotels, rental cars and more, helping you subsidize the cost of your trip expenses. Beyond earning rewards, some cards even come with airport lounge access or credits to offset your Global Entry or TSA PreCheck application fee. 

For many travelers, a one-punch solution is the best fit. We’re talking about general travel credit cards , which earn rewards through a bank like American Express, Capital One, Chase, or Citi and don’t tie you to a specific airline or hotel program. Instead, the cardholder has the choice to redeem their earnings how they please toward any travel purchase.

Best places to travel with rewards in 2024 

While a European summer vacation never goes out of style, traveling during the shoulder season is the true winner. With fewer crowds, cheaper accommodations and pleasant weather, a fall trip to Portugal this year should be on your list.

If you’ve got travel rewards cards from American Express, Bilt, Capital One, Chase or Citi, you can transfer your points or miles over to the Air Canada Aeroplan program. You can book a business class flight from Miami (MIA) to Lisbon (LIS) in October 2024 for just 70,000 miles one way.

There’s so much to love about Costa Rica, from its lush jungles to the natural wildlife. Plus, this Central American country is quite accessible from many states in the U.S. With two main international airports — Liberia (LIR) and San José (SJO) — the toughest decision you’ll need to make is which part of Costa Rica to visit. 

Many major U.S. airlines fly to Costa Rica, so redeeming your rewards for a flight shouldn’t be too difficult depending on where your loyalty lies. For example, United Airlines offers a flight from Raleigh-Durham (RDU) to Liberia (LIR) with a layover in Houston (IAH). You’ll pay just 20,000 MileagePlus miles one-way — even during the peak winter season. 

One of the best ways to fly the whole family to Hawaii is by setting your sights on the British Airways Avios program. Earning points is a breeze: You can transfer your American Express Membership Rewards® , Bilt Rewards, Chase Ultimate Rewards®, Citi ThankYou® Points or Capital One Miles to this program at a simple 1:1 ratio.

Because British Airways is part of the Oneworld airline alliance, you can redeem your Avios for partner airlines like American Airlines and Alaska Airlines. Both of these carriers offer plenty of routes to the Aloha State. 

Nonstop routes are priced favorably for just 17,500 Avios plus $18.10 in taxes and fees for a one way flight from the West Coast. Depending on when you’re traveling, you may also be able to find multiple award seats per flight. This is great news for big families.

Alternatives to travel credit cards

Instead of earning points or miles, you might consider a cash-back credit card to get a percentage back on all your purchases. Cash-back cards are generally more straightforward than travel rewards programs — after all, a dollar is a dollar — and often come with no annual fees. 

If you’re not ready to commit to a travel rewards program or simply don’t travel enough to reap the full benefits of a travel credit card, a cash-back credit card is a great way to still earn rewards on spending. 

When it comes to choosing a cash-rewards card , you can keep it simple with a straightforward flat-rate card such as the Wells Fargo Active Cash® Card , which earns 2% cash rewards on purchases. 

Or you can pick a card with higher rewards rates in your biggest spending categories. The Blue Cash Preferred® Card from American Express (terms apply, rates & fees ) offers 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at U.S. gas stations, 3% cash back on transit and 1% cash back on other purchases. Cash back is received in the form of Rewards Dollars that can be redeemed as a statement credit or for eligible items at Amazon.com checkout. The card has a $0 intro annual fee for the first year, then $95.

Additional reporting by Stella Shon

Frequently asked questions (FAQs)

There’s no one “best” card that’s right for everyone. The best travel card for you will depend on a combination of factors including how often you travel, how you travel, your tolerance for annual fees and what you’re looking for in a travel card.

Generally speaking, the best travel credit cards earn bonus category rewards on airfare, hotels, car rentals and even dining. These cards typically also offer bonus points or miles when you spend a certain amount within the first few months of opening the account. Some will also offer perks such as travel protections, elite status with an airline or hotel loyalty program , priority boarding and airport lounge access.

The exact credit score needed for a travel rewards credit card will vary depending on the issuer and the specific card. Generally, you will need at least a good credit score, typically from 670 to 739 on the FICO Score scale — to be approved for most travel rewards cards. However, some of the more premium cards may require an excellent credit score, typically defined as a FICO Score of 740 or higher.

The most rewarding travel rewards cards, including most of the cards on this list, are not likely to offer approval to anyone without a good or better credit score. Some issuers also have rules in place preventing you from applying for a credit card, travel or otherwise, if you’ve applied for a certain number of cards within a certain period of time. 

The best type of card for you will depend on your spending habits and your financial goals. If you’re a loyal frequent flyer with an airline, an airline rewards card might make the most sense. If you spend plentifully at a specific hotel brand, you may be better suited to a hotel credit card.

If you’re not sure, or you have a wider variety of needs, a card with flexible point currencies — like the Capital One Venture X Rewards Credit Card * The information for the Capital One Venture X Rewards Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. or Chase Sapphire Preferred Card — may be a better bet.

Finally, If you’re looking for a simple way to get cash back on everyday purchases, then a cash-back credit card may be the way to go. Ultimately, the best choice depends on your individual needs and preferences — and in some cases, you might have a pattern of spending that justifies having both in your wallet.

The exact value of a point or mile earned on a travel credit card will depend on the type of point or mile and how you redeem it. In most cases, you should look to get at least a penny per point of value.  Points values vary because many airline and hotel pricing structures are dynamic and will change based on demand. The points values tend to be somewhat fixed however and this can lead to redemption values worth more – or less – than 1 cent each. Transferring rewards to airline programs when allowed and redeeming for business and first-class seating can often yield greater values per point.

Yes, travel credit cards with annual fees are worth it if you make the most of what the card has to offer. While travel credit cards with annual fees aren’t necessarily worth it for everyone, they certainly can be if you know you’ll get more value from the rewards and benefits than you’ll pay to hold the card each year. Generally speaking, the higher the annual fee, the better the perks. 

If you’re earning flexible rewards such as American Express Membership Rewards® Points or Chase Ultimate Rewards®, these generally don’t expire as long as your account remains open and in good standing.

However, points or miles earned on cobranded cards are a mixed bag. Some points don’t expire for the life of your account, while others will expire if there’s no account activity within the last 12 to 24 months. Read your card’s terms and conditions to see the expiration policy for your rewards.

There’s no difference between points and miles on a credit card, they’re simply two different ways to describe rewards. Airline cards tend to use the term “miles” (probably because it evokes the spirit of the miles you fly), while hotel and general rewards cards tend to use the term “points.” However, the two terms serve the same purpose: they’re a way of measuring both the rewards you earn on a particular credit card and the number of rewards it will take for a particular redemption.

There’s no one “best” card for international travel since there’s no one “best” way to travel. The best credit card for international travel for you will be the one where the rewards rates best align with your spending patterns. You’ll also have to decide if a card that comes with robust benefits is worth paying the annual fee versus a card with less bountiful benefits but a lower annual fee.

For rates and fees for The Platinum Card® from American Express please visit this page .

For rates and fees for the Blue Cash Preferred® Card from American Express please visit this page .

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

²Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at upgraded status level through December 31, 2024. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

*The information for the Aeroplan® Credit Card, American Express® Green Card, Capital One Venture Rewards Credit Card, Capital One Venture X Rewards Credit Card, Hilton Honors American Express Aspire Card, IHG One Rewards Premier Credit Card, JetBlue Plus Card, United℠ Explorer Card and Wells Fargo Autograph Journey℠ Visa® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Robin Saks Frankel

Robin Saks Frankel is a credit cards lead editor at USA TODAY Blueprint. Previously, she was a credit cards and personal finance deputy editor for Forbes Advisor. She has also covered credit cards and related content for other national web publications including NerdWallet, Bankrate and HerMoney. She's been featured as a personal finance expert in outlets including CNBC, Business Insider, CBS Marketplace, NASDAQ's Trade Talks and has appeared on or contributed to The New York Times, Fox News, CBS Radio, ABC Radio, NPR, International Business Times and NBC, ABC and CBS TV affiliates nationwide. She holds an M.S. in Business and Economics Journalism from Boston University. Follow her on Twitter at @robinsaks.

Grace Pilling is a deputy editor for credit cards at USA TODAY Blueprint. She believes credit cards are the ultimate choose-your-own-adventure tools of the financial world and gets excited about helping people discover the best credit card strategy for their unique goals. Prior to joining Blueprint, Grace worked on and led personal finance teams at Bankrate, CreditCards.com, MoneyUnder30 and MoneyGeek. She has a bachelor’s degree in English and writing and a diploma in editing and publishing.

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td platinum travel visa card

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Canada’s 5 Best TD Credit Cards

TD is one of Canada’s biggest banks. They’re a major Aeroplan partner, and they also offer other travel and cash back credit cards.

Read on to find out more about our top picks for the best TD credit cards in Canada.

Best TD Credit Cards

Best overall td credit card.

td platinum travel visa card

  • Earn 10,000 Aeroplan points † upon first purchase †
  • Plus, earn 15 ,000 Aeroplan points † upon spending $7,500 in the first 180 days of account opening †
  • Plus, earn an additional 15,000 Aeroplan points † on renewal when you spend $12,000 within 12 months of account opening †
  • Earn 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
  • Preferred Aeroplan pricing and free checked bag on Air Canada ® flights †
  • Minimum income: $60,000 personal or $100,000 household
  • Annual fee: $139
  • Application must be approved by September 3, 2024 to receive this offer

The TD Aeroplan Visa Infinite Card is the bank’s flagship product, and our choice for their best credit card. At the “core” tier of the Aeroplan cards, it offers the most bang for your buck for the vast majority of cardholders.

Most of the card’s ongoing value comes in the form of Aeroplan and Air Canada benefits. You’ll get free checked bags on Air Canada flights, preferred pricing on Aeroplan flight rewards when you fly with Air Canada, and a few ways to get closer to Aeroplan Elite Status by spending with the card.

Additionally, the card provides travel insurance, which covers Aeroplan flight rewards. You’ll want to pay for the flight’s taxes and fees with this card so that you’re protected in the event of a travel snafu.

Best Premium TD Credit Card

td platinum travel visa card

  • Earn 20,000 Aeroplan points † upon first purchase
  • Plus, earn an additional 25,000 Aeroplan points † upon spending $12,000 in the first 180 days
  • Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points † upon spending $24,000 within 12 months of account opening †
  • Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
  • Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
  • Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
  • Unlimited Air Canada Maple Leaf Lounge † access
  • DragonPass membership † with six free lounge visits per year
  • Minimum income: $150,000 personal or $200,000 household
  • Annual fee: $599

If you’re looking for premium traveller perks and Air Canada benefits, the TD Aeroplan Visa Infinite Privilege Card is the way to go. The card earns a base rate of 1.25 Aeroplan points per dollar spent on all purchases.

Aeroplan members can earn Aeroplan 25K Status by racking up 100,000 Aeroplan points (excluding welcome bonuses and transferring points) in a year. If you’re planning on spending your way to status, using the Visa Infinite Privilege card would reduce the amount you need to spend by 20%.

You’ll also get an enhanced travel experience, with unlimited access to Maple Leaf Lounges and six free visits per year to DragonPass lounges , priority airport services (including check-in and boarding), and more flexible ways to qualify for higher tiers of Aeroplan Elite Status.

As for savings, you’ll get the best preferred pricing rates for Aeroplan flight rewards on Air Canada flights, as well as the opportunity to spend your way to unlocking a Worldwide Companion Pass.

Best TD Credit Card for Travel Purchases

td platinum travel visa card

  • Earn 20,000 TD Rewards Points upon making your first purchase †
  • Earn  55 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
  • Plus, earn up to 10,000 TD Rewards Points back on your birthday †
  • Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
  • Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
  • Use your rewards for any travel bookings available on Expedia ® for TD †
  • Annual fee: $139, rebated for the first year †

Not all of your travel arrangements can be booked on points. While it’s easy enough to get flights covered with loyalty programs like Aeroplan, there are a much wider range of hotels, vacation packages, experiences, and tour operators where you’ll most likely have to pick up the bill yourself.

The TD First Class Travel Visa Infinite Card is an awesome card for all travel purchases. It earns 4% back in the form of TD Rewards points when you book with Expedia for TD. For a guaranteed rate that doesn’t depend on finding limited sweet spots and award availability to extract its full potential, it simply can’t be beat.

For maximum value, you can use your TD Rewards points to book anything available on the Expedia for TD website. This is a great way to snowball your rewards – as you book travel, you’ll earn even more travel!

Not to mention, cardholders get a $100 annual credit towards a $500+ hotel or vacation booking. As well, you’ll get a birthday bonus, where you’ll get a 10% boost on points you’ve earned (up to a limit) each year.

Best No Fee TD Credit Card

td platinum travel visa card

  • Earn 15,152 TD Rewards Points when you spend $500 within 90 days of Account opening+ †
  • Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
  • Annual fee: $0
  • Application must be approved by January 6, 2025 to receive this offer

Among TD’s no-fee cards, the TD Rewards Visa Card has an appealing rewards structure. You’ll earn 2% back (in the form of TD Rewards points) travel bookings, 1.5% back on groceries and restaurants, and 1% back on recurring bills.

Those rates are quite strong when compared to other entry-level credit cards, and indeed higher value than the alternative no-fee TD Cash Back Visa Card .

Most importantly, you can park your TD Rewards points here if you ever decide to cancel or downgrade your TD First Class Travel Visa Infinite Card . That way, your points won’t expire while you await a good travel opportunity.

Best Cash Back TD Credit Card

td platinum travel visa card

  • Earn 10% cash back † in the first three months, on up to $3,500 spent on eligible groceries, gas, and recurring bills set up on your account †
  • Then, earn 3% cash back † on eligible groceries, gas, and recurring bill payments set up on your account †
  • Free Deluxe TD Auto Club Membership for roadside assistance †
  • Annual fee: $0 for the first year † , then $139

The TD Cash Back Visa Infinite Card is chief among TD’s cash back cards. You’ll earn 3% cash back on groceries, gas, and recurring bill payments.

While not the absolute best card on the market for any one of these categories, it’s the only card with high earn rates on all three. If you don’t want to juggle several credit cards and these categories cover most of your expenses, the TD Cash Back Visa Infinite would serve you well.

Considering its frequent First Year Free promotions and the ability to waive your annual fee every year with a TD All-Inclusive Chequing account, it’s not hard to maintain these rewards year after year at no cost.

Also, the card comes with a Deluxe TD Auto Club Membership. It’s their only credit card with this benefit, and one of the only cards in Canada that offers roadside assistance. For heavy commuters or road-trippers, it’s a valuable perk that could get you out of an unpleasant situation.

Not to mention, the roadside assistance dovetails nicely with the 3% rewards on gas, giving you one credit card for all of your driving needs.

TD Credit Cards: What You Need to Know

When choosing a TD credit card, you should familiarize yourself with what benefits a TD credit card can offer, what features to look out for, and how TD credit cards can fit into an optimized overall credit card strategy.

Why get a TD credit card?

TD credit cards are one of the best ways to earn Aeroplan points . As Aeroplan’s primary bank partner, TD’s co-branded cards often have bigger bonuses with easier spending requirements than their counterparts from CIBC and American Express .

Once you have your flights covered, TD Rewards points are also a great way to cover your other travel expenses. You can use them for anything on Expedia, like hotels and car rentals, or even redeem them for statement credit for pretty much any out-of-province expense, including gas or restaurants.

TD generally values a strong relationship with their members. It can be harder to get approved initially, but longtime clients will find it easier to open additional products, sometimes even receiving pre-approvals.

If you already bank with TD, getting one of their credit cards is a no-brainer. On most cards, you can get your annual fee rebated every year if you have a TD All-Inclusive Chequing account . This is useful if you plan on keeping a Visa Infinite card year after year for its benefits and higher everyday earning rates.

What should you look for in a TD credit card?

TD has three different types of rewards on their credit cards, all on the Visa payment network:

  • Aeroplan co-branded cards earn Aeroplan points and come with Air Canada benefits. They’re best for avid Aeroplan collectors who know how to stretch the value of their frequent flyer points, or who’ll benefit from travel insurance on Aeroplan award ticket bookings.
  • TD Rewards cards earn points that can be used for travel expenses. You can book flights, hotels, car rentals, or anything else available on Expedia for TD, at a rate of 0.5 cents per point. Otherwise, you can redeem points for statement credit against any other travel purchase at a rate of 0.4 cents per point. TD Rewards cards have decent earning rates on uncategorized transactions and excellent rates on travel.
  • Cash Back can be redeemed any time you’ve accumulated at least $25. They’re the easiest rewards to use and understand, but the trade-off is that their value is limited. Compared to their peers, TD’s cash back cards are somewhat competitive for groceries, gas, and recurring payments, and weak for other purchases.

For each type of rewards, TD offers cards with a wide range of welcome bonuses, everyday rewards, annual fees, perks, and income requirements.

Any of these cards come with the standard benefits for their Visa tier:

  • All Visa Infinite cards have access to Concierge services, the Luxury Hotel Collection, and the Dining Series & Wine Country program
  • In addition, Visa Infinite Privilege cards come with a DragonPass membership which includes six annual visits to participating airport lounges and restaurants each year

TD regularly puts on First Year Free promotions for new signups for all cards at or below the Visa Infinite tier. It’s generally best to wait for one of these opportunities before applying.

What’s the optimal strategy for TD credit cards?

If you’re a dedicated traveller who wants to see as much of the world as possible by maximizing your credit cards, TD’s wide range of credit cards will undoubtedly have a significant presence in your wallet.

In an optimized credit card strategy, you would leverage TD’s Aeroplan credit cards (in conjunction with Aeroplan cards from CIBC and American Express ) to collect a large balance of Aeroplan points, which you’d use towards booking international flights at a high value.

Meanwhile, you’d use the more flexible TD Rewards credit cards to cover your non-flight travel expenses, such as car rentals or non-chain hotels, by booking through the Expedia for TD portal.

TD is also known for granting the welcome bonus upon switching credit cards between the two families, so you could collect points and maximize benefits across both the Aeroplan and TD Rewards card families while preserving the same account (and all of its history) on your credit file.

Frequently Asked Questions

Below are some questions we frequently hear from readers about the best TD credit cards in Canada.

Can I have the TD Aeroplan Platinum, Infinite, and Privilege cards at the same time?

Yes, the cards are separate products. You can have any combination at the same time, and you can open them all and be eligible for all welcome bonuses. However, note that TD and Aeroplan may limit the number of credit card bonuses earned by a member if they deem this behaviour to be excessive.

Which credit bureau does TD check?

TD uses Equifax for credit inquiries, although they sometimes have pre-approvals for existing clients.

How do I apply for a TD credit card?

If you’re having technical difficulties getting approved when submitting a credit card application online, consider booking an appointment at a TD branch or applying by phone.

Can I do a product switch with TD?

Yes, you can switch in a branch or by phone. There are no bonuses available for downgrades, and usually the bonuses for upgrades are smaller than what you’d get for a new application.

Generally speaking, a switch between credit cards in different families (Aeroplan, TD Rewards, or Cash Back) will yield the strongest bonuses.

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U.s. bank visa ®  platinum card, enjoy a low intro apr for 21 billing cycles*.

For a limited time, get our best rate: 0% intro APR * on purchases and balance transfers † for 21 billing cycles . After that, the APR is variable, currently $ .

Get a decision in as little as 60 seconds.

Mobile Carrier Terms 1

Apply for U.S. Bank's low interest Platinum credit card

0% intro APR

For a limited time, get a special 0% introductory APR * on purchases and balance transfers † for 21 billing cycles . After that the APR is variable, currently $ .

Great benefits

Enjoy great benefits with no annual fee .

Your credit score

View your credit score anytime, anywhere in the mobile app or online banking. It's easy to enroll, easy to use and free to U.S. Bank customers. 2

Additional benefits

Pay over time with a u.s. bank extendpay ® plan. 3.

Receive a new cardmember $0 fee offer* on ExtendPay Plans opened in the first 60 days after account opening. 3

Auto pay & due date choice

Avoid interest and late fees with automatic payments that put you in control. Pick a payment due date that works for your schedule. 4

ID Navigator Powered by NortonLifeLock ™

Get tools to help keep you informed of threats that may affect your identity. 5

Cell phone protection

Get up to $600 reimbursement if your cell phone is stolen or damaged when you pay your monthly cell phone with your card. 6

Apply for the card that earned NerdWallet’s Best-Of Award for 2021.

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Nerdwallet 2021

Awarded Best 0% Intro APR and Balance Transfer Credit Card

Balance transfer calculator

See how much you could save with a 0% balance transfer for 21 billing cycles..

Enter your estimated balance transfer amount and current APR.

Calculator assumes a minimum payment of either $40 or 1% of your new balance (whichever is greater) and a 30-day billing cycle. This calculator is for illustrative purposes only.  

Frequently asked questions

What credit score is needed to apply for the u.s. bank visa® platinum credit card.

U.S. Bank credit score requirements vary by product. In general, our credit card products are for established credit with a credit score in the good to excellent range.

Is the U.S. Bank Visa Platinum Credit Card good for balance transfers or paying for a large purchase?

The U.S. Bank Visa Platinum Credit Card typically offers our best and longest introductory APR offer on purchases and balance transfers.

Does my U.S. Bank Visa Platinum Credit Card have an annual fee?

There is no annual fee on the U.S. Bank Visa Platinum Credit Card.

What is U.S. Bank ExtendPay®?

U.S. Bank ExtendPay ® Plans provide a payment option that allows you to divide eligible credit card purchases into affordable monthly payments with no interest* – just a fixed monthly fee.

How will I know if I am eligible for a U.S. Bank ExtendPay® Plan?

If your credit card account is eligible for a U.S. Bank ExtendPay ® Plan, you’ll receive a notification via email, or you’ll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your purchase balance when you sign up for ExtendPay.

ExtendPay Plan eligibility may change based on your credit card account activity.

Looking for a credit card with different benefits?

Compare all credit cards..

Use our comparison tool to compare benefits like rewards, APR and welcome offers for up to three cards.  

Build or reestablish credit.

Build credit for the future with the U.S. Bank Secured Visa ® Card.  

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

* The 0% introductory APR applies to purchases and is valid for the first 21 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 21 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary. The current undiscounted variable APR for Purchases and Balance Transfers is $ based on your creditworthiness. The variable APR for Cash Advances is 29.99%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. Annual fee: $0. Foreign Transaction fee: 3% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. U.S. Bank ExtendPay ® Fees: A monthly fee not to exceed 1.6% of the original principal amount in a U.S. Bank ExtendPay ® Plan or U.S. Bank ExtendPay ® Loan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay Fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay Plans and ExtendPay Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

† Balance Transfers transactions from other U.S. Bank National Association accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 800-285-8585.

By clicking Apply, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our Privacy Policy for how we treat your data.

Free credit score access, alerts and Score Simulator through TransUnion's CreditView ™ Dashboard are available to U.S. Bank online and mobile banking customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the alert functionality. The free VantageScore ® credit score from TransUnion ® is for educational purposes only and not used by U.S. Bank to make credit decisions.

From time to time we may offer to you the benefit of our U.S. Bank ExtendPay® Plans, which allow you to pay off balances in fixed monthly payments over time and still avoid paying interest charges on new Purchases. You may designate up to 50% of your credit card line ($100 minimum) in eligible credit card purchases and pay in monthly installments with just a small fixed monthly fee. Only Purchase balances are eligible for ExtendPay Plans. Transactions identified as Advances or Balance Transfers (as defined in your Cardmember Agreement), and any interest or fees, including Annual Fee, do not apply. The only Purchases that will appear as "Eligible Purchases" in the enrollment process are Purchases that were made within 60 days prior to signing up for an ExtendPay Plan, are over $100, and are less than your Purchase balance when you sign up for an ExtendPay Plan. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for purchases outlined in the Cardmember Agreement.

Not all payment due dates may be available. If approved, please call the number on the back of your card for further information.

No one can prevent all cybercrime or all identity theft.

Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly cellular wireless bill with your Platinum Card. Please visit usbank.com/cellphoneprotection to view your Guide to Benefits and for further card benefit details including full terms and conditions.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and the card is available to United States residents only.

©  2017-2024 and TM, NerdWallet, Inc. All Rights Reserved.

IMAGES

  1. TD Platinum Travel Visa Card Review 2022| My Rate Compass

    td platinum travel visa card

  2. TD® Aeroplan® Visa Platinum* Card

    td platinum travel visa card

  3. TD Platinum Travel Visa* Card

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  4. Cardholder Agreement

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  5. TD Aeroplan Visa Platinum

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  6. TD Platinum Travel Visa Card

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COMMENTS

  1. TD Platinum Travel Visa* Card

    TD Platinum Travel Visa* Card. This card is made from 90% recycled plastic. Earn up to $370 in value UDINQEN13SUP18, including up to 50,000 TD Rewards Points UDINQEN13 and no Annual Fee for the first year UDINQEN13. Conditions Apply. Account must be approved by September 3, 2024.

  2. TD Platinum Travel Visa Card Review 2024

    A credit card for Expedia loyalists with no annual fee for the first year and a generous welcome bonus. Earn up to 6 TD Rewards Points for every $1 spent on Expedia and up to 4.5 TD Rewards Points for every $1 on groceries and restaurants.

  3. TD Platinum Travel Visa Welcome Guide

    With the TD Platinum Travel Visa Card you are covered if your eligible device is lost, stolen, accidentally damaged, or suffers mechanical breakdown. You also get repairs, replacement or reimbursement on eligible items if they're stolen or damaged within 90 days of purchase with your card. Now let's talk security, Visa Zero Liability helps ...

  4. TD Platinum Travel Visa* Card Review Review 2024

    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 ...

  5. PDF TD Platinum Travel Visa* Card Welcome Guide

    TD Platinum Travel Visa Card earns you TD Rewards Points. Your points will never expire as long as your Account is open and in good standing. The more you use your TD Platinum Travel Visa Card, the more TD Rewards Points you'll earn! TD Rewards Points. for every $1 in Travel Purchases you make with your Card3 through.

  6. TD Platinum Travel Visa* Card

    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 ...

  7. PDF TD Platinum Travel Visa The Choice is yours. Welcome Guide

    Learn how to activate, manage and earn rewards with your TD Platinum Travel Visa Card. Discover the flexibility of redeeming your TD Rewards Points for travel, shopping, education and more.

  8. TD Platinum Travel Visa* Review

    Learn how to earn and redeem TD Points with the TD Platinum Travel Visa* card, a versatile travel card with no limit and no blackouts. Find out the welcome offer, annual fee, perks, and drawbacks of this card.

  9. TD Travel Visa Platinum June 2024

    With TD Platinum Travel Visa Card, here's how you earn rewards: 6 points per $1 spent on travel booked online 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 all other purchases. For all reward details click here.

  10. TD Platinum Travel Visa Card Review

    Learn about the benefits and drawbacks of the TD Platinum Travel Visa Card, a travel card with a welcome bonus, reward points and insurance coverage. Compare interest rates, eligibility requirements and other features of this card.

  11. PDF The TD Platinum Travel Visa Benefit Coverages Guide

    applies to the TD Platinum Travel Visa Card, which will be referred to as a "TD Credit Card" throughout the . Certificate TD Life Insurance Company ("TD Life") provides the insurance for this . Certificate. under Master Policy #TGV009 (the "Policy") issued to The Toronto-Dominion Bank This . Certificate. contains a clause

  12. PDF TD Platinum Travel Visa* Cardholder Agreement and Benefit Coverages Guide

    Cardholder Agreement and Benefit Coverages Guide. This document contains important and useful information about your TD Platinum Travel Visa Card. Please keep this document in a secure place for future reference. A copy of this document is also available online at tdcanadatrust.com for future reference.

  13. TD Platinum Travel Visa* Card

    Compare the benefits, features and rewards of the TD Platinum Travel Visa* Card, a credit card that offers 5 points per dollar on travel purchases. Learn how to apply online, earn a welcome bonus and get an annual fee rebate.

  14. TD Platinum Travel Visa Card

    Card annual fee: $0 $89. Earn TD Rewards Points. more simple rewards. Get 50k pts with welcome bonus + 4.5k pts on min. spend. • $273 for any travel. booked with Expedia for TD. • $218 for any travel. booked anywhere. How to unlock bonus.

  15. Expedia for TD Review

    The TD Platinum Travel Visa* Card allows cardholders to earn TD Rewards on everyday purchases and at an accelerated rate for multiple categories, including groceries and recurring bills.

  16. TD Platinum Travel Visa Card

    Our review. With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a first-year annual fee rebate: 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 †.

  17. TD Platinum Travel Visa* Card

    TD Platinum Travel Visa* Card. Interest Rates. 20.99 % Purchase. 22.99 % Cash Advance. Annual Fees. $89 Main Cardholer. $35. Additional Card. Requirements. Credit Score. ... TD First Class Travel® Visa Infinite* Card. Reward. RBC Avion Visa Infinite. Reward. WestJet RBC World Elite Mastercard. Review (0) Leave a review.

  18. TD Platinum Travel Visa Card

    The TD Platinum Travel card earns TD Rewards points and gives cardholders the opportunity to earn 5x TD Rewards on purchases at Expedia For TD.. Rewards Rates. The TD Platinum Travel credit card earns TD Rewards points for all purchases made on the card: 5 TD Rewards points for every dollar spent on purchases at Expedia for TD.; 3 TD Rewards points for every dollar spent on grocery purchases ...

  19. TD Rewards

    Redeem the TD Points you've earned on Purchases made with your TD Travel Credit Card

  20. TD Platinum Travel Visa: Worth $89?

    Rewards are paid monthly. For A Limited Time: Get 10% back, up to $100, when you spend up to $1,000 in your first 2 months. Uncover the benefits of the TD Platinum Travel Visa and assess its cash value based on your monthly spend amounts. Determine if this card is worth your while.

  21. TD First Class Travel® Visa Infinite* Card Review 2024

    The TD First Class Travel Visa Infinite Card is considered to be one of Canada's higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential ...

  22. Best Travel Credit Cards of June 2024

    The card details on this page have not been reviewed or provided by the card issuer. offers great value with its lineup of travel credits, including a $300 annual credit reimbursement for travel ...

  23. Best Travel Credit Card as of 2023? : r/PersonalFinanceCanada

    TD Aeroplan Visa Infinite - Good card to churn every 2 years (Use for 1 year for free. Downgrade to no fee card and wait out 12 months until you can churn again). Tons of free points for the first year. Free 1st checked baggage for Air Canada. Again, no fee for the first year and this is your main bank.

  24. Canada's 10 Best Travel Credit Cards

    You'll also get most of the same premium travel benefits as the personal Platinum Card, ... If the $599 annual fee is too steep, consider the TD Aeroplan Visa Infinite Card instead. It has a first-year annual fee waiver for a good welcome bonus, but you'd have a lower earning rate, fewer Aeroplan benefits, and weaker insurance. ...

  25. Canada's 5 Best TD Credit Cards

    Annual fee: $599. Application must be approved by September 3, 2024 to receive this offer. If you're looking for premium traveller perks and Air Canada benefits, the TD Aeroplan Visa Infinite Privilege Card is the way to go. The card earns a base rate of 1.25 Aeroplan points per dollar spent on all purchases.

  26. TD Double Up Credit Card: 2% Unlimited Cashback Rewards

    View the Personal Credit Card Agreement for TD Double Up Card. View the TD Double Up Card Application for Cross-Border Clients. *Read important terms and conditions for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 15 billing cycles after account opening.

  27. PDF TD Platinum Travel Visa* Card Welcome Guide

    TD Platinum Travel Visa Card earns you TD Rewards Points. Your points will never expire as long as your Account is open and in good standing. The more you use your TD Platinum Travel Visa Card, the more TD Rewards Points you'll earn! TD Rewards Points. for every $1 in Travel Purchases you make with your Card 4 through.

  28. U.S. Bank Visa® Platinum Credit Card

    If your credit card account is eligible for a U.S. Bank ExtendPay ® Plan, you'll receive a notification via email, or you'll see ExtendPay Plan options when viewing your card account details or eligible transactions online. The only purchases eligible for an ExtendPay Plan are those that were made within 60 days prior to signing up for ExtendPay, are over $100, and are less than your ...