TD Platinum Travel Visa Card
Travel Rewards Rewards

TD Platinum Travel Visa Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Earn up to 50,000 TD Rewards Points + First-year fee waived.
Annual Fee $0
$89 after first year
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $370

RateBuddy Verdict

The Good
  • Highly accessible for a travel rewards card, lacking the strict $60,000 personal income requirement of the Visa Infinite tier.
  • Offers very competitive earning multipliers for a mid-tier card, granting 4.5x points on groceries, dining, and transit.
  • The $89 annual fee is fully rebated in your first year, allowing you to test out the rewards program risk-free.
The Trade-offs
  • Does not include built-in Travel Medical or Trip Cancellation insurance (these are offered only as paid optional upgrades).
  • To achieve the maximum redemption value for your points, you must book your travel specifically through the Expedia for TD portal.
  • The accelerated earning rates on groceries, dining, transit, and recurring bills are capped at $15,000 in annual spending per category group.

Rewards & Earnings

Groceries 2.25%
Dining 2.25%
Gas 0.75%
Travel 3%
Recurring Bills 1.50%
Base Rate 0.75%
Rewards Summary: Expedia for TD: 6 pts per $1; Groceries, Dining & Transit: 4.5 pts per $1; Recurring Bills & Media: 3 pts per $1; Base Earn: 1.5 pts per $1.

Welcome Bonus Details

Earn up to $370 in value. Get 15,000 points on your first purchase. Earn 35,000 points when you spend $3,000 within 180 days. Plus, get a first-year annual fee rebate.

Estimated Value: $370

Features & Benefits

First-Year Fee Waived
First-year annual fee rebate
Mobile Device Insurance
Up to $1,000 coverage
Car Rental Collision/Loss Damage Waiver
Coverage for up to 48 consecutive days
Extended Warranty Insurance
Included (Up to 12 additional months)
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
Hotel/Motel Burglary Insurance
Up to $2,500 coverage per occurrence

Insurance Coverage

Flight & Baggage Delay: Included; Car Rental Collision: 48 days; Hotel Burglary: $2,500; Mobile Device: $1,000; Purchase Security & Extended Warranty: Included. (Note: Travel Medical and Trip Cancellation are optional).

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$89
Supplementary Card Fee$35
Income Required No specific requirement listed.
Recommended Credit Score—

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Filed Under

Travel Rewards Rewards
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