Travel Rewards
Rewards
TD Platinum Travel Visa Card
TD Canada Trust
Current Welcome Offer
Earn up to 50,000 TD Rewards Points + First-year fee waived.
Annual Fee
$89
$0
1st Year Free
Purchase APR
21.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$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 & Takeout 2.25%
Gas & Transit 0.75%
Travel 3.00%
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.
- Travel booked through Expedia® For TD: 6 TD Rewards Points/$1
- Groceries, Dining, and Public Transit: 4.5 TD Rewards Points/$1 (up to $15,000 annual spend)
- Recurring Bill Payments, Streaming, Digital Gaming & Media: 3 TD Rewards Points/$1 (up to $15,000 annual spend)
- All other eligible purchases: 1.5 TD Rewards Points/$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: $370.00
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
Additional Perks
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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 Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $89 |
| Supplementary Card | $35.00 |
| Income Required | No specific requirement listed. |