National Bank Platinum Business Mastercard vs TD Business Travel Visa* Card
Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.
$418
First-year value
$1,392
$418
Every year after
$492
TD Business Travel Visa* Card is worth $975 more to your business in year one.
It stays ahead after that, by $75 a year.
How the first year adds up
Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.
Annual rewards
Welcome bonus
Annual fee
FX fees
First-year value
Where each card earns
A year of your spending on each card, category by category, biggest spend first.
National Bank Platinum Business Mastercard earns more on 12 of your 17 categories, TD Business Travel Visa* Card on 5.
All Other Business Expenses
$12,600 a year
US Dollar Purchases
$6,150 a year
Recurring Bills & Subscriptions
$4,800 a year
Gas & EV Charging
$3,600 a year
Dining & Restaurants
$3,600 a year
Office Supplies
$3,000 a year
Phone, Internet & Cable
$2,400 a year
Hotels
$1,800 a year
Shipping & Courier
$1,800 a year
Accounting & Bookkeeping
$1,800 a year
Other Foreign Currencies (EUR, GBP, etc.)
$1,230 a year
Electronics & Software
$1,200 a year
Air Canada
$1,200 a year
Transportation
$1,200 a year
Other Airlines
$600 a year
Car Rental
$600 a year
Other Travel
$600 a year
Rewards in a year
Welcome bonus
Each offer as the issuer words it, then which milestones your spending reaches.
National Bank Platinum Business Mastercard
No welcome bonus right now.
TD Business Travel Visa* Card
Earn up to $1,300 in valueμ, which includes up to 200,000 TD Rewards PointsΠ, and an Annual Fee Rebate for the first year for the Primary Business Cardholder and first four Additional CardholdersΠ. Conditions Apply. Account must be approved, open and in Good Standing. Offer effective as of March 2, 2026.
- Earn a Welcome Bonus of 30,000 TD Rewards Points when the Primary Business Cardholder1 makes their first Purchase with their new CardΠ.
- Earn 120,000 TD Rewards Points when the Primary Business Cardholder1 spends $15,000 within 180 days of Account opening.Π
- Earn 30,000 TD Rewards Points when the Primary Business Cardholder1 spends $25,000 within 365 days of Account opening.Π
- Earn a 15 Month Bonus of 20,000 TD Rewards Points, one Purchase of any amount must be charged and posted to your Account on the last day of the 15-month billing period after Account opening. Π
- Get an Annual Fee rebate for the first year for the Primary Business Cardholder and four Additional CardholdersΠ, 1. Account must be approved, open and in Good Standing. Additional Cardholders must be added by while the offer is in effect. Offer effective as of March 2, 2026.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
National Bank Platinum Business Mastercard
No welcome bonus to work towards right now.
TD Business Travel Visa* Card
Worth $900 at your spending
30,000 points after first purchase by Primary Business Cardholder
30,000 pts
120,000 points after $15,000 in spending within the first 180 days by Primary Business Cardholder
120,000 pts
30,000 points after $25,000 in spending within the first 365 days by Primary Business Cardholder
30,000 pts
20,000 points after one purchase posted on your account by the last day of the 15-month billing period (card year 2)
20,000 pts
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Employee cards
Foreign transaction fee
Rewards
Network
National Bank Platinum Business Mastercard
Interest rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Recommended credit score
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
TD Business Travel Visa* Card
Interest rates
Purchase:
19.99%
Cash Advance:
22.99%
Recommended credit score
Income required
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
National Bank Platinum Business Mastercard
- Earn 1.5 points per dollar spent,6 with no purchase limit
- Earn an additional 1.5 points for every $1 spent on eligible purchases with À la carte TravelTM agrency6
- Combine your accumulated points with your personal National Bank rewards card
TD Business Travel Visa* Card
- Earn 9 TD Rewards Points2 when you book travel online through ExpediaForTD.com7 using your Card
- Earn 6 TD Rewards Points for every $1 you spend on Dining4, Electric Vehicle Charging25, Public Transit26
- Earn 6 TD Rewards Points for every $1 you spend on Streaming, Digital Gaming & Media Purchases and recurring bill payments5
- Earn 6 TD Rewards Points for every $1 you spend on Foreign Currency Purchases3
- Earn 2 TD Rewards Points for every $1 you spend on business purchases made using your Card6
Insurance and perks
What both cards include comes first in each list.
National Bank Platinum Business Mastercard
Insurance
Lost or Stolen Baggage
$1,000
Baggage Delay
$500.svg)
Car Rental Damage & Theft
Up to 48 days
Common Carrier Travel Accident Insurance
$250,000
Extended Warranty
2 years
Purchase Protection
180 daysFlight Delay
$500
Perks
No extra perks.
TD Business Travel Visa* Card
Insurance
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
IncludedCommon Carrier Travel Accident Insurance
Up to $500,000Extended Warranty
1 yearPurchase Protection
90 daysFlight Delay
$500
Travel Medical Insurance (64 & under)
Up to 15 days, for up to $2M
Trip Cancellation
$1,500
Trip Interruption
$5,000
Perks
Car Rental Discount
Save with Avis Rent A Car and Budget Rent A Car. Use your TD Credit Card to save a minimum of 10% of the lowest available base rates(8,9) in Canada and the U.S., and a minimum of 5% of the lowest available base rates(8,9) internationally, on qualifying car rentals at participating Avis and Budget locations.
Extra points
Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions apply.
Our take
National Bank Platinum Business Mastercard
A flat 1.5 points per dollar on everything, no caps, no category juggling. For businesses with varied spending that don’t want to think about optimizing categories, this card keeps it simple. The $125 annual fee is reasonable and the points never expire as long as your account is open. The trade-off is that you’re locked into National Bank’s À la carte Rewards for the best value — and the insurance and travel perks are minimal compared to what you’d get from premium cards at a similar price point. Best for businesses that value predictability over maximum return.
- Earn 1.5 points per $1 spent with no purchase limit
- Available regardless of company size or industry
- Ability to combine points with a personal National Bank rewards card
- $125 annual fee ($50 per additional card)
- Points program is most valuable within National Bank’s rewards ecosystem
- Limited insurance coverage compared to premium competitors
TD Business Travel Visa* Card
The highest earn rates in the TD business lineup — up to 9x on Expedia for TD bookings, 6x on dining, and 4x on recurring bills and foreign currency purchases. The welcome bonus of up to 200,000 TD Rewards Points plus a first-year fee rebate makes it especially compelling in year one. The key question is how you redeem: points are worth the most through Expedia for TD travel bookings, but significantly less for other redemptions. If your business books travel regularly and you’re comfortable using the TD portal, this card delivers strong value. Otherwise, the $149 annual fee and modest base earn rate make it harder to justify.
- Generous welcome bonus
- High earn rates
- Strong travel insurance package
- Points don’t expire as long as the account is in good standing
- Best redemption value limited to Expedia for TD bookings
- $149 annual fee
- Additional cards cost $49
More business card comparisons
Each card against every other business card we review.
National Bank Platinum Business Mastercard
vs Amex Aeroplan Business Reserve
vs Amex Business Gold
vs Amex Platinum Business
vs BMO CashBack Business Mastercard
vs BMO® Ascend World Elite®* Business Mastercard®*
vs CIBC Aventura® Visa* Card for Business
vs CIBC bizline® Visa* Card
vs Marriott Bonvoy® Business American Express® Card
vs National Bank Business Mastercard
vs Ramp Corporate Card
vs RBC Avion Visa Infinite Business Credit Card
vs RBC® Business Cash Back Mastercard‡
vs Scotia Momentum Business Visa
vs Scotia Momentum® for business No Fee Visa* Card
vs Scotiabank Passport Business
vs TD Business Cash Back Visa* Card
vs TD® Aeroplan® Visa* Business Card
vs The RBC Avion Visa Business Credit Card
vs WestJet RBC® World Elite Mastercard® for Business
TD Business Travel Visa* Card
vs Amex Aeroplan Business Reserve
vs Amex Business Gold
vs Amex Platinum Business
vs BMO CashBack Business Mastercard
vs BMO® Ascend World Elite®* Business Mastercard®*
vs CIBC Aventura® Visa* Card for Business
vs CIBC bizline® Visa* Card
vs Marriott Bonvoy® Business American Express® Card
vs National Bank Business Mastercard
vs Ramp Corporate Card
vs RBC Avion Visa Infinite Business Credit Card
vs RBC® Business Cash Back Mastercard‡
vs Scotia Momentum Business Visa
vs Scotia Momentum® for business No Fee Visa* Card
vs Scotiabank Passport Business
vs TD Business Cash Back Visa* Card
vs TD® Aeroplan® Visa* Business Card
vs The RBC Avion Visa Business Credit Card
vs WestJet RBC® World Elite Mastercard® for Business
Legal
National Bank Platinum Business Mastercard
Little details that matter
Length of the welcome promotion
From March 4 to September 16, 2025.
Eligibility conditions
- Sign up for a National Bank Platinum Business Mastercard® credit card during the promotion as a primary cardholder.
- Not have held one of our business Mastercard credit cards from National Bank over the past 24 months as a business primary cardholder.
- Keep the credit card account open until rewards points are paid.
- Keep the account in good standing by complying with the conditions set out in the Cardholder Agreement for Mastercard®Business Cardsopens in a new tab until the rewards points are paid. For example, all minimum payments must be made on time.
- Not be employed by National Bank or one of its subsidiaries.
Description of the promotion
Up to up to 60,000 rewards points after signing up and annual fees reimbursed for the first year for the primary cardholder and the first additional authorized user.
Annual fees
No annual fees for the first year for the primary cardholder and the first additional authorized user.
We will charge annual fees to the account of your new card and reimburse those fees to you. You will receive this reimbursement within five months of opening your account, provided that your account remains open. It will appear on your statement in the form of a credit.
To benefit from the annual fee discount for the first additional authorized user’s card, you must add it to the account opening request.
Annual fees associated with cards for other authorized users are not eligible for this promotion.
Points offered | Conditions | When points are awarded to the account |
|---|---|---|
30 000 | $5,000 in purchases in the first three months | At the end of the fifth month following the membership. |
30 000 | $20,000 in purchases per month for the first 12 months | At the end of the fifteenth month following the membership. |
How total purchases are calculated
The calculation is for the total amount of purchases made through all cards linked to the account. The transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Planopens in a new tabTM.
Other conditions
- You can only take advantage of the promotion once.
- Issuance of the card is subject to credit approval by National Bank of Canada. Other conditions apply to the issue of the card.
- This promotion may not be combined with any other promotion or offer applicable to National Bank credit cards, nor is it retroactive.
- This promotion may be modified or withdrawn without notice.
| $1 purchase = 1.5 points You can earn points even faster by making your purchases through the À la carte Travel™ online agency. |
|---|---|
| The À la carte™ Rewards Plan gives you the freedom to travel without restrictions with the travel provider or carrier of your choice. For information on travel discounts, visit rewards.nbc.ca. |
| With the À la carte Travel™ online agency, reduce the cost of your packages and airline tickets by redeeming your points. Additionally, you can plan your entire trip by booking hotels, cruises, vehicles and other services. |
| Visit Plan rules for all the details. |
Summary and insurance certificate
Consult the Purchase protection summaryopens in a new tab | Travel insurance summary | Insurance Certificate [PDF].
Compensation plan in the event of fraud
Up to $ 10,000 (see the Cardholder Agreement)
Purchase protection in the event of theft or damage 4
180-day purchase protection following the date of purchase
Extended warranty 4
Triple the manufacturer's warranty, up to 2 additional years
Flight departure delay insurance 4
Up to $500 per person (over 4 hours)
Baggage insurance in case of theft or loss 4
Up to $1,000 per person
Baggage insurance in case of delay 4
Up to $500 per person (over 6 hours)
Vehicle rental insurance 4
Against collision, theft or damage for a period of 48 days or less (theft of personal effects up to $2,000)
Travel insurance in case of accident aboard public transit 4
Up to $250,000
Safe online purchases
Mastercard® ID CheckTM is a service that protects you against fraud by verifying your identity when making online purchases.
Easy Savings Program 5
With the Mastercard Easy Savings Programopens in a new tab you automatically receive discounts on eligible purchases at participating merchants. For a list of participating merchants, go to mastercard.ca/easysavings.
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À la carte Rewards Centre |
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®Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Authorized user: National Bank
®À LA CARTE REWARDS PLAN is a registered trademark of National Bank.
™À LA CARTE TRAVEL and À LA CARTE REWARDS are trademarks of National Bank of Canada. À la carte Travel is owned by Transat Distribution Canada Inc., holder of permit No. 753141 in Quebec.
1. Some restrictions apply. For more information, see the Rewards Plan section or the Points Earning Plan Rules.opens in a new tab
2. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card. This coverage applies to the primary cardholder, their spouse and/or dependent children when they (spouse and/or dependent children) travel with the primary cardholder. Extended warranty coverage applies to most new items purchased with the card, in Canada or abroad, as long as the manufacturer's warranty is valid in Canada. Certain conditions and restrictions apply. For more information and for details of your insurance coverage, please consult the insurance certificate associated with your cardopens in a new tab.
3. Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers. Minimum payment: If your account balance is lower than $10, you must pay the entire balance. If you reside in the province of Quebec, your minimum payment will correspond to 2.5% of the credit card account balance plus any overdue payment or $10, whichever amount is higher. If you are a business that chose the corporate responsibility, please refer to the cardholder agreement and account statement. Account statement: A statement is sent monthly.
| Average balance | |
|---|---|---|
Annual interest rate | $500 | $3,000 |
22.99% | $9.45 | $56.69 |
20.99% | $8.63 | $51.76 |
14.5% | $5.96 | $35.75 |
11.7% | $4.81 | $28.85 |
*Variable interest rate in effect on April 24, 2023.
4. Subject to credit approval from National Bank. The total of all amounts transferred cannot exceed $5,000.
5. Certain conditions apply. Visit mastercard.caopens in a new tab for more information. Refer to the credit card terms and conditions.
6. Certain restrictions apply. You must, therefore, first pay for your trip in full with an eligible credit card to redeem your points. Your travel credit will take effect approximately 72 hours after the exchange. For more information, consult the Rewards plan section or the Plan rulesopens in a new tab regarding how to earn points.
National Bank is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for a National Bank Card, (I/we) may receive compensation from National Bank, which can be in the form of monetary payment.
TD Business Travel Visa* Card
μ Effective as of January 13, 2026. The value of up to $1,247 could be earned in the first year of Account approval and is based on the combined value of:
$247: Annual Fee Rebate for the Cardholder ($149) who is the Individual Borrower and up to two Annual Fee Rebates for two Additional Cardholders ($49 each) for the first year; Additional Cardholders must be added to the Account by while this Offer is in effect.
$1,000: 200,000 TD Rewards Points earned based on the following requirements:
- Welcome Bonus of 30,000 TD Rewards Points earned when a Cardholder who is the Individual Borrower makes their first Purchase with the Card (travel value at Expedia For TD of $150);
- Monthly Bonus of 10,000 TD Rewards Points per month ("Monthly Bonus") (up to a total maximum of 120,000 TD Rewards Points) earned when a Cardholder who is the Individual Borrower spends at least $2,500 in net Purchases each month during the first 12 months after Account approval. To qualify for the Monthly Bonus, must have at least $2,500 in net Purchases posted to your Account each month by the last day of each monthly billing period. (travel value at Expedia For TD of $600);
- PAP Bonus up to 30,000 TD Rewards Points earned when you set up new regularly recurring bill payments (travel value at Expedia For TD of $150);
- 15 Month Bonus of 20,000 TD Rewards Points ("15 Month Bonus") earned when a Cardholder who is the Individual Borrower charges one purchase of any amount to the Card by the last day of the 15 month billing cycle. To qualify for the 15 Month Bonus, the purchase must be posted to your Account by the last day of the 15 month billing cycle. (travel value at Expedia For TD of $100);
Π Effective as of January 13, 2026. Promotional Offer includes a Welcome Bonus, Monthly Bonus, PAP Bonus, 15 Month Bonus and Annual Fee Rebate Offer (described below and collectively the "Offer"): is only available to a new TD Business Travel Visa* Card Account with an Annual Fee of $149 ("Account") and is only provided to the Cardholder who is the individual who requested the Account as indicated in our records (the "Individual Borrower"). The new TD Business Travel Visa* Card Account must be approved, open and in Good Standing while the Offer is in effect.
Welcome Bonus of 30,000 TD Rewards Points ("Welcome Bonus") will be awarded to the Cardholder who is the Individual Borrower of the Account only after the first Purchase is made on the Account. The “Cardholder” means the Individual Borrower of the Account who is issued the TD Business Travel Visa* Card account with an Annual Fee of $149.
To qualify for a monthly bonus of 10,000 TD Rewards Points ("Monthly Bonus"), the Cardholder who is the Individual Borrower must have at least $2,500 in net Purchases posted to their Account each month by the last day of each monthly billing period in the first 12 months after Account approval, up to a total maximum of 120,000 Monthly Bonus Points. Once you have earned 120,000 Monthly Bonus Points in the first 12 months following Account approval, you will no longer be eligible for additional Monthly Bonus Points. Purchases made during a billing period but posted after the end of that billing period will not count toward eligible Purchases for that month but will count toward eligible Purchases for the next billing period. For example, if your monthly billing period is from December 5 to January 5, a Purchase that is made on January 4 (transaction date) and posts on January 5 (posting date) will not count as an eligible Purchase for that month but will count towards spend in the next month's billing period. If the December 5 to January 4 period was your 12th monthly billing period, then the Purchase that was made on January 4 and posted on January 5 would not count toward this Offer.
The PAP Bonus of 30,000 TD Rewards Points Recurring Bill Payment Promotional Offer ("PAP Bonus"), only applies to TD Business Travel Visa* Card accounts (the “Account”) that are open, active, in good standing while this Offer is in effect and have set up Eligible Recurring Bill Payments set up on the Account within 6 months of Account approval. The Individual Borrower Cardholder can earn up to 30,000 TD Rewards points depending on the number of Eligible Recurring Bill Payments set up on the Account within 6 months of Account approval. The Recurring Bonus is calculated as follows: (i) 15,000 bonus TD Rewards points for 1 new Eligible Recurring Bill Payment, or (ii) 30,000 bonus TD Rewards points for two new Eligible Recurring Bill Payments. "Eligible Recurring Bill Payments” consist of a maximum of two new bill payments that are classified as recurring by the merchant through the Visa network and set up on the Individual Borrower Business Cardholder's Account that are registered and charged to the Account within 6 months of Account approval. Eligible Recurring Bill Payments already set up on the Account prior to January 13, 2026, are not eligible for the PAP Bonus Offer. Please allow eight - twelve weeks after the 6 month Offer Period and for the Eligible Recurring Bill Payment to be registered and charged to the Account for the Recurring Bonus to be applied to your Account.
The Annual Fee rebate portion of this Offer ("Annual Fee Rebate Offer") is available only for the first year after Account approval, for the (i) Cardholder who is the Individual Borrower, and (ii) the first two Additional Cards issued for the same Business Borrower if any. Effective as of January 13, 2026. Account must be approved, open and in Good Standing while this Offer is in effect. To receive the first-year annual fee rebates for the first two Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account while the Offer is in effect. The Annual Fee for any subsequent years and the Additional Card Annual Fee for more than two Additional Cards issued to the same Business Borrower will continue to apply. The Annual Fee will be rebated within two monthly statements from the date of the charge, provided that the TD Business Travel Visa* Card is open and in good standing at that time. Closing the TD Business Travel Visa* Card Account or transferring to another TD Credit Card may result in forfeiture of the Annual Fee rebate. The full Annual Fee will be charged for the Account and the Additional Cardholders (if applicable), after the first year.
To qualify for the 15 Month Bonus of 20,000 TD Rewards Points, one Purchase of any amount must be charged and posted to your Account by the last day of the 15-month billing period after Account approval. For example, if your Account was approved on January 13, 2026, your first billing cycle could be February 5, 2026 to March 5, 2026. Your 15-month cycle could be from April 5, 2027 to May 5, 2027.
The Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This Offer is not transferable. If you have opened an Account in the last 12 months, you will not be eligible for this Offer. We reserve the right to limit the number of $149 Accounts opened by one person, and the number of Welcome Bonus points, the Monthly Bonus points, the PAP Bonus and the 15 Month Bonus awarded to any one business. We reserve the right to amend the Offer on your Account to reflect the current Offer available at the time of your TD Credit Card activation if your Card has not been approved and while this Offer is in effect. Your Account must be open, active and in Good Standing at the time the Welcome Bonus points, Monthly Bonus points, the PAP Bonus and the 15 Month Bonus are awarded. Please allow 8-12 weeks after the conditions for each element of the Offer are fulfilled for the Welcome Bonus points, the Monthly Bonus points, the PAP Bonus and the 15 Month Bonus to be credited to the TD Business Travel Visa* Card Account associated with the Primary Business Cardholder, as designated by the Business. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded and forfeiture of the Annual Fee rebate.
2 Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Business Travel Visa Card Account ("Account").
Earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Business Travel Visa Card Account ("Account").
Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
3 Earn 6 TD Rewards Points ("Foreign Currency Rebate") for every $1 in Purchases in a Foreign Currency ("Foreign Currency Purchases") charged to your TD Business Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Foreign Currency Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $80,000 Cap: The Foreign Currency Rebate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Foreign Currency Purchases, then any further Foreign Currency Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Foreign Currency Rebate: The Foreign Currency Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
4 Earn 6 TD Rewards Points ("Dining Bonus Rate") on each $1 in Purchases at Eating Placing and Restaurants, Drinking Places, and Fast Food Restaurants ("Dining Purchases") charged to your TD Business Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Dining Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $80,000 Cap: The Dining Bonus Rate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Dining Purchases, then any further Dining Purchases made on the Account will earn TD Rewards Points at the standard rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rate"). Applicability of Dining Bonus Rate: The Dining Bonus Rate is in place of, and not in addition to, the Standard Rate. Merchant Category Codes: To earn the Dining Bonus Rate, the Dining Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them as Eating Places and Restaurants, Drinking Places, and Fast Food Restaurants. Some merchants may not be classified with a Dining Purchase MCC and such Purchases will not earn the Dining Bonus Rate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
5 Earn 6 TD Rewards Points ("PAP and Streaming, Digital Gaming & Media Bonus Rate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Business Travel Visa Card Account ("Account") and that are classified through the Visa network as "Recurring Bill Payments", and on "Streaming, Digital Gaming & Media Purchases". You must confirm with your merchant if they can accept Recurring Bill Payments.
Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. To earn the PAP and Streaming, Digital Gaming & Media Bonus Rate when Purchase is not a Pre-Authorized Payment, the Streaming, Digital Gaming & Media Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them as Digital Goods Media – Books, Movies, Music, Digital Goods – Games, Digital Goods – Applications, Digital Goods – Large Digital Goods Merchants, Cable, Satellite and Other Pay Television/Radio/Streaming Services. Some merchants may not be classified with a Streaming, Digital Gaming & Media MCC and such Purchases will not earn the PAP and Streaming, Digital Gaming & Media Bonus Rate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
$80,000 Cap: The PAP and Streaming, Digital Gaming & Media Bonus Rate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached, then any further Recurring Bill Payments or Streaming, Digital Gaming & Media Purchases made on the Account will only earn TD Rewards Points at the Standard Rate of 2 TD Rewards Points that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rate"). Applicability of PAP and Streaming, Digital Gaming, & Media Bonus Rate: The PAP and Streaming, Digital Gaming, & Media Bonus Rate is in place of, and not in addition to, the Standard Rate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
6 Earn 2 TD Rewards Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Business Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.
7 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492. The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.
25 Earn 6 TD Rewards Points ("Electric Vehicle Charging Bonus Rate") on each $1 in Purchases in "Electric Vehicle Charging Purchases" charged to your TD Business Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Electric Vehicle Charging Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $80,000 Cap: The Electric Vehicle Charging Bonus Rate is only available up to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Electric Vehicle Charging Purchases, then any further Electric Vehicle Charging Purchases made on the Account will earn TD Rewards Points at the Standard Rate of 2 TD Rewards Points that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rate"). Applicability of Electric Vehicle Charging Rate: The Electric Vehicle Charging Bonus Rate is in place of, and not in addition to, the Standard Rate. Merchant Category Codes: To earn the Electric Vehicle Charging Bonus Rate, the Electric Vehicle Charging Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them as Electric Vehicle Charging. Some merchants may not be classified with an Electric Vehicle Charging Purchase MCC and such Purchases will not earn the Electric Vehicle Charging Bonus Rate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.
26 Earn 6 TD Rewards Points ("Public Transit Bonus Rate") on each $1 in Purchases in "Public Transit Purchases" charged to your TD Business Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Public Transit Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $80,000 Cap: The Public Transit Bonus Rate is only available up to an $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Public Transit Purchases, then any further Public Transit Purchases made on the Account will earn TD Rewards Points at the Standard Bonus Rate of 2 TD Rewards Points that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rate"). Applicability of Public Transit Bonus Rate: The Public Transit Bonus Rate is in place of, and not in addition to, the Standard Rate. Merchant Category Codes: To earn the Public Transit Bonus Rate, the Public Transit Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them as Local and Suburban Commuter Passenger Transportation, including Ferries. Some merchants may not be classified with a Public Transit Purchase MCC and such Purchases will not earn the Public Transit Bonus Rate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.