TD Business Travel Visa Card
Travel Rewards Business Rewards

TD Business Travel Visa Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Earn up to 200,000 TD Rewards Points + First-year fee waived for you and 4 employees.
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Annual Fee $0
$149 after first year
Purchase APR 19.99%
Cash Advance 22.99%
Bonus Value $1,300

RateBuddy Verdict

The Good
  • Offers incredibly strong 6x rewards multipliers on critical business expenses, including foreign currency transactions and recurring bills.
  • The $149 annual fee is fully rebated in your first year for the primary cardholder AND up to four employee cards.
  • Provides excellent business oversight via the TD Card Management Tool and automatic savings through Visa SavingsEdge.
The Trade-offs
  • To unlock the full 200,000-point welcome bonus, your business must be able to spend $25,000 on the card within the first year.
  • Despite being a premium travel card, it does not offer any complimentary airport lounge access or NEXUS fee rebates.
  • Redemption values are significantly lower if you do not book your travel through the proprietary Expedia for TD portal.

Rewards & Earnings

Groceries 1%
Dining 3%
Gas 3%
Travel 4.50%
Recurring Bills 3%
Base Rate 1%
Rewards Summary: Expedia for TD: 9 pts per $1; Foreign Currency, Dining, EV Charging, Transit, Recurring Bills & Media: 6 pts per $1; Base Earn: 2 pts per $1.

Welcome Bonus Details

Earn up to $1,300 in value. 30,000 pts on first purchase; 120,000 pts after spending $15k in 180 days; 30,000 pts after spending $25k in 365 days; 20,000 pts on your 15-month anniversary. Plus, a first-year annual fee rebate for the Primary Cardholder and first four Additional Cardholders.

Estimated Value: $1,300

Features & Benefits

Travel Medical Insurance
Up to $2 million (15 days for age <65; 4 days for age 65+)
First-Year Fee Waived
First-year annual fee rebate for primary and up to 4 additional cards
Car Rental Collision/Loss Damage Waiver
Collision/Loss Damage coverage included
Trip Cancellation/Interruption Insurance
Up to $1,500 cancellation / $5,000 interruption
Extended Warranty Insurance
Included
Purchase Security Insurance
Included (90 days)
Flight Delay Insurance
Up to $500 in coverage (4+ hours)
Baggage Delay/Loss Insurance
Up to $1,000 for delayed or lost baggage
Common Carrier Accident Insurance
Up to $500,000 coverage per person
Expense Management Tools
Includes TD Card Management Tool for spend controls and reporting
Higher Earning on Business Categories
6x points on Foreign Currency, Dining, and Recurring Bills
Employee Cards
Additional cards are $49/year (First 4 are free in year one)

Insurance Coverage

Travel Medical: $2M (15 days under 65); Trip Cancel/Interrupt: $1.5k/$5k; Flight & Baggage Delay: Included; Car Rental Collision: Included; Purchase Security: 90 days & Extended Warranty: Included.

Rates, Fees & Eligibility

Purchase APR19.99%
Cash Advance APR22.99%
Annual Fee$149
Supplementary Card Fee$49
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Business Rewards
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