Pros & cons
Pros
- Up to 50,000 bonus TD Rewards points. Conditions apply.
- 6 points per $1 spent on travel purchased through Expedia For TD.
- 9 types of insurance (conditions apply).
- Annual fee rebate for the first year (conditions apply).
Cons
- Points only worth 0.5 cents each.
Your rewards
Getting your welcome bonus
Based on $2,000 in monthly spending, you can get up to 50,000 points which translates to an estimated $250.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. 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 , restaurants , and public transit
- 3 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 1.5 points per $1 spent on all other purchases
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For TD Platinum Travel Visa Card in particular, if you spend $2,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Travel from Expedia For TD | $324 | |
| Any travel | $259 | |
| Amazon | $214 | |
| Gift Cards | $162 | |
| Statement credits | $162 | |
| Merchandise | $149 |
| Redemption Option | Point Value | Total Value |
|---|---|---|
| Travel from Expedia For TD | 0.5 cents | $5 |
| Any travel | 0.4 cents | $4 |
| Amazon | 0.33 cents | $3 |
| Gift Cards | 0.25 cents | $3 |
| Statement credits | 0.25 cents | $3 |
| Merchandise | 0.23 cents | $2 |
Calculating your annual rewards
$24,000 annual spending x 1.35% return on spending = $324 annual rewards
$324 annual rewards − $89.00 annual fee = $235 net annual rewards
Details and eligibility
- Estimated Credit Score
- 725 - 759
- Personal Income
- N/A
- Household Income
- N/A
- Annual Fee
- $89.00
- First Year Free
- Yes
- Extra Card Fee
- $35
- Card type
- Credit
- Purchase
- 21.99%
- Cash Advance Δ
- 22.99%
- Balance Transfer Δ
- 22.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Mobile Device
- $1,000
- Travel Accident
- $500,000
- Flight Delay
- $500
- Baggage Delay
- $1,000
- Lost or Stolen Baggage
- $1,000
- Hotel Burglary
- $2,500
- Rental Car Theft & Damage
- Yes
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
TD Platinum Travel Visa Card's 3.2 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Top cards from TD
GC: $100
GC: $25
TD Platinum Travel Visa Review
Much like the
One really nice difference about this card, however, is that the annual fee is lower for the primary cardholder at $89 (rebated for the first year for a limited time) and $35 for authorized users, and there is no minimum income requirement.
Earning and redeeming your rewards
On your spending, this card will give you:
- 6 points per $1 spent on travel booked online through Expedia For TD
- 4.5 points per $1 spent on groceries, restaurants, and public transit
- 3 points per $1 spent on recurring bill payments, streaming, digital gaming, and media
- 1.5 points per $1 spent on all other purchases
And as a welcome bonus, you'll enjoy 50,000 points which you'll earn as such:
- 15,000 points after your first purchase, and
- 35,000 points when you spend $1,000 in the first 90 days.
These points never expire and can be used in so many different ways, like:
- any flight or travel package,
- for gift cards,
- merchandise, or
- even as a statement credit.
The best way to use your points, however, is through Expedia For TD, where 200 points = $1 of travel. Simply log in to your account, choose the travel you want to book, and use your points at checkout. You can use as few or as many points as you like (minimum redemption of 200 points).
Curious about the TD Rewards program? Be sure to check out our detailed review.
Travel perks and benefits
On top of valuable rewards, you'll get to enjoy a fairly good insurance package that includes 9 different types of insurance like:
- travel accident insurance,
- baggage delay and theft, plus
- you'll know your purchases are covered by purchase protection, and
- extended warranty.
If you want a premium travel Visa without the minimum income required by most (and a lower fee) – this card could be it.
Looking for a card with no annual fee?
If you don't spend enough to justify an annual fee, or you're looking for a no fee card to pair with one of your premium credit cards, the
It allows you to earn TD Rewards points while paying no annual fee.
User reviews
Reviewed by 4 Canadians
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I may cancel it as Travel cancellation is NOT included and not even mentioned as a "be aware must know " caution . Most would assume it is included as in the First Class card. It is not a good card since an additional card for your spouse is $35.
No Lounge Passes are included or offered as a perk
If you travel there are other cards for a few dollars more with the perks included.
Worst card ever. I would never recommend this card to anyone. $89.00 annual fees and lots of other secret charges. Do not recommend !
I love it enjoying my travel trips with it
Love it. I get points every time I use and can redeem gift cards etc!
