WestJet RBC® World Elite Mastercard® for Business 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.
$1,349
First-year value
$1,392
$449
Every year after
$492
TD Business Travel Visa* Card is worth $44 more to your business in year one.
It stays ahead after that, by $44 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.
WestJet RBC® World Elite Mastercard® for Business 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.
WestJet RBC® World Elite Mastercard® for Business
- Get up to 100,000 WestJet points* - up to $1,000 in travel value**
- Receive 35,000 welcome WestJet points upon your first purchase
- 10,000 welcome WestJet points up to twelve (12) weeks after your first purchase transaction date
- 20,000 WestJet Bonus Points if a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date
- An additional 25,000 WestJet points if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date
- Plus 10,000 WestJet Anniversary Points up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening
- Offer period: August 25 - November 30, 2026
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.
WestJet RBC® World Elite Mastercard® for Business
Worth $900 at your spending
Receive 45,000 welcome WestJet points after your first purchase
45,000 pts
Earn 20,000 WestJet points when you spend $5,000 in the first 3 months
20,000 pts
Earn 20,000 WestJet points when you spend $5,000 in the first 3 months
25,000 pts
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
WestJet RBC® World Elite Mastercard® for Business
Interest rates
Purchase:
19.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Recommended credit score
Income required
Min Personal Income:
$80,000
Min Household Income:
$150,000
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.
WestJet RBC® World Elite Mastercard® for Business
- Earn up to 6 WestJet points for every $1 spent on WestJet flights.1
- Earn 3 WestJet points for every $1 spent on WestJet Vacations1 and Sunwing Vacations.1
- Earn 3 WestJet points for every $1 spent on telecommunications, shipping and electronics purchases.2
- Earn 1.5 WestJet points for every $1 spent on all other purchases.1
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.
WestJet RBC® World Elite Mastercard® for Business
Insurance
Lost or Stolen Baggage
$1,000Baggage Delay
$500Car Rental Damage & Theft
$65,000 car MSRP up to 15 daysCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
90 daysTravel Medical Insurance (64 & under)
15 days (unlimited coverage)Trip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500Mobile Device Insurance
$2,000Hotel Burglary Insurance
$2,500Travel Medical Insurance (65 to 75)
3 days
Perks
Airport Lounge - Dragon Pass
Pass only, must pay $32 USD per visitGas Discount
save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-CanadaDiscount
Add your credit card to your DoorDash account and get a 12-month complimentary DashPass subscriptionStatus lift
With instant access to Silver status until December 31 of the following year, you’ll receive benefits like lounge passes, priority check-in and boarding, plus two free checked bags(5,6,7). Silver status can be maintained by a minimum annual spend of $30,000 on the card.
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 daysTravel Medical Insurance (64 & under)
Up to 15 days, for up to $2MTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500
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
WestJet RBC® World Elite Mastercard® for Business
The WestJet RBC World Elite Mastercard for Business is a niche but powerful card for business owners who consistently fly WestJet, offering industry-leading earn rates on travel and select business categories plus instant Silver status that meaningfully upgrades the travel experience. It stands out for how quickly it accelerates both points and elite status, making it one of the strongest airline co-branded business cards in Canada. However, its value is tightly tied to the WestJet ecosystem, so it’s less compelling if you want flexible rewards or don’t primarily fly WestJet. Overall, it’s a high-upside, low-flexibility card best suited for loyal WestJet flyers.
- Strong earn rates
- Solid travel perks and insurance
- Gas and food delivery discounts
- Instant WestJet Silver status
- Supplementary card fees
- Foreign transaction fees
- Rewards are largely locked into WestJet
- Requires high income / business thresholds to qualify
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.
WestJet RBC® World Elite Mastercard® for Business

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 National Bank Platinum 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
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 National Bank Platinum 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
Legal
WestJet RBC® World Elite Mastercard® for Business
® / ™Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.
‡All other trademarks are the property of their respective owner(s).
*This offer only applies to new applications for a WestJet RBC World Elite Mastercard for Business credit card received between August 25, 2026, and November 30, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Only the primary business owner on the WestJet RBC World Elite Mastercard for Business credit card account (“Credit Card Account”) is eligible for the offer; any additional business owner(s) and cardholder(s), existing WestJet RBC World Elite Mastercard for Business cardholders as of the offer eligibility period, as well as existing cardholders of any RBC Business credit cards transferring to a WestJet RBC World Elite Mastercard for Business credit card as of the Offer Period, are not eligible for this offer.
You will receive 45,000 welcome WestJet points (“Welcome Points”) distributed as follows:
• You will receive 35,000 welcome WestJet points upon your first purchase. The Welcome Points will appear on your monthly statement and in your WestJet Rewards account, accessible at westjet.com/account up to six (6) weeks after your first purchase transaction date.
• You will receive 10,000 welcome WestJet points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase is posted to your Credit Card Account within the first three (3) months from your Credit Card Account opening date.
You will be eligible to receive up to 45,000 bonus WestJet points if you meet the conditions below:
You will receive 20,000 WestJet Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 3-month Period.
You will receive an additional 25,000 WestJet points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 6-month Period.
Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions. The amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date. For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.
For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions.
You will receive an additional 10,000 WestJet points (“Anniversary Points”) up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening.
The Welcome Points, Bonus Points, Additional Bonus Points and Anniversary Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.
If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points, the Additional Bonus Points and/or the Anniversary Points have been awarded to your account, you may lose the benefit of the offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.
**Based on the redemption rate of 100 WestJet points for $1 CAD towards the payment of the base fare of an eligible flight or a WestJet Vacations package, 100,000 WestJet points have a redemption value of $1,000 towards an eligible flight or a WestJet Vacations package. For complete details, visit https://westjet.com/redeem.
1Earn 3 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations, and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded if WestJet, WestJet Vacations or Sunwing Vacations appears as the merchant on your monthly credit card statement. This means that if you purchase WestJet flights, WestJet Vacations or Sunwing Vacations from a travel agency or a third-party booking site, you may not be eligible for the additional 1.5 WestJet points per $1. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. If you are a Silver Member, you will earn 3 additional WestJet points per $1 spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked bags and cabin upgrades purchases, but excluding taxes), which totals 6 WestJet points per $1 spent, when you pay with your WestJet RBC World Elite Mastercard for Business. The 3 additional WestJet points per $1 spent on eligible WestJet flights (i) are in addition to the 3 WestJet points per $1 you earn on eligible WestJet flights and are calculated separately, and (ii) will only be awarded (a) if WestJet appears as the merchant on your monthly credit card statement, (b) as long as you remain a Silver status member, and (c) within 30 days of completion of travel.
2Earn 3 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services purchased from merchants classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”) and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC® World Elite Mastercard for Business‡.
Eligible MCCs are:
Telecommunications MCCs:
- 4812 Telecommunication Equipment Including Telephone Sales
- 4814 Telecommunication Services including, but not limited to, prepaid phone services and recurring phone services
Electronics MCCs:
- 5045 Computers, Computer Peripheral Equipment, Software
- 5732 Electronic Sales
- 5734 Computer Software Stores
Shipping MCC:
- 4215 Courier Services: Air and Ground, Freight Forwarders
The additional 1.5 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded on purchases made at merchants classified by an Eligible MCC.
Even though some merchants may sell Telecommunications, Electronics or Shipping services, purchases made at these merchants may not necessarily qualify for the additional 1.5 WestJet points per $1 if the merchant is not classified by an Eligible MCC. Also, merchants that are not classified by an Eligible MCC may be located on the premises of other vendors that are classified by an Eligible MCC, and purchases made at these merchants may not qualify for the additional 1.5 WestJet points per $1.
Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling Telecommunications, Electronics or Shipping services is classified by an Eligible MCC and in no event will Royal Bank be liable or responsible for any claims with respect to purchases made at a merchant that is not classified by an Eligible MCC. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. Royal Bank and WestJet reserve the right to cancel, modify or withdraw this benefit at any time.
3All WestJet points earned by all cardholders on a WestJet RBC® World Elite Mastercard for Business‡ account will be awarded to the primary business cardholder only, whether or not the primary business cardholder is a business owner, a signing authority or an employee.
4WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations, eligible Sunwing Vacations or WestJet Vacations Quebec; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations bookings, Sunwing Vacations bookings or WestJet Vacations Quebec bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem(opens to external site).
5The primary cardholder on a WestJet RBC® World Elite Mastercard for Business‡ account (“Primary Business Cardholder”) will enjoy all the benefits of WestJet Silver status (“Silver Benefits”), starting within ten (10) days from their WestJet RBC® World Elite Mastercard for Business‡ account (“WestJet RBC Business Account”) approval date, until December 31st of the following calendar year (“First Year Silver Benefit”).
Once the First Year Silver Benefit expires, the Primary Business Cardholder will continue to enjoy the Silver Benefits for the next Qualifying Year (as defined below) if a total of at least $30,000 in Eligible Purchases (as defined below) was charged to their Eligible WestJet RBC Business Account in the preceding Qualifying Year (“Subsequent Silver Benefit”), and so on thereafter.
“Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the WestJet RBC Business Account, that appear on the Eligible WestJet RBC Business Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).
“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.
If, while enjoying the First Year Silver Benefit or a Subsequent Silver Benefit, a total of less than $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account during that Qualifying Year, the Primary Business Cardholder will lose the Silver Benefits starting on the following January 1st. Thereafter, each time at least $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account at any time during a Qualifying Year, the Primary Business Cardholder will re-gain access to Silver Benefits starting on the first day of the following account statement period, and will enjoy the Silver Benefits until December 31st of the following Qualifying Year.
To establish if a minimum of $30,000 in Eligible Purchases was charged to a Eligible WestJet RBC Business Account in a Qualifying Year, we will look at the Eligible Purchases posted to the Eligible WestJet RBC Business Account until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $30,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $30,000 in Eligible Purchases for the current Qualifying Year. Eligible Purchases will reset to zero (0) at the beginning of each Qualifying Year.
First Year Silver Benefit and Subsequent Silver Benefit (i) are solely for the benefit of the Primary Business Cardholder whose Eligible WestJet RBC Business Account is open and in good standing, whether the Primary Business Cardholder is a business owner, a signing authority or an employee, (ii) are not transferrable, (iii) do not provide the Primary Business Cardholder with the 4,000 CAD in tier qualifying spend normally required to achieve Silver status, (iv) do not replace nor override any higher WestJet tier status the Primary Business Cardholder may otherwise be enjoying in accordance with the WestJet Rewards Program, and (v) are not available to existing or former WestJet RBC® World Elite Mastercard for Business‡ primary business cardholders, applying for or transferring to a WestJet RBC® World Elite Mastercard for Business‡.
For more information on the Silver Benefits, visit westjet.com/silver(opens to external site)
WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com(opens to external site).
6Primary cardholders on a WestJet RBC World Elite Mastercard and/or WestJet RBC® World Elite Mastercard for Business‡ credit card account (“Eligible Cardholder(s)”) have access to an improved version of “Status Lift”, an annual benefit to help Eligible Cardholders achieve the Silver, Gold or Platinum status faster each year, by providing them a supplemental method to earn tier qualifying spend https://www.westjet.com/en-ca/rewards/terms-conditions(opens to external site).
Eligible Cardholders will earn the equivalent of 200 CAD in tier qualifying spend for every $5,000 in Eligible Purchases (as defined below) (“Status Lift”) charged to their WestJet RBC World Elite Mastercard and/or WestJet RBC® World Elite Mastercard for Business‡ credit card account (each, an “Eligible RBC World Elite Account”) during a Qualifying Year (as defined below). Status Lift(s) will be added to their other tier qualifying spend and count towards reaching their next WestJet Rewards tier. If an Eligible Cardholder has two (2) Eligible RBC World Elite Accounts, the Eligible Purchases (as defined below) made with both accounts will be combined towards reaching the $5,000 in Eligible Purchases. “Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the Eligible RBC World Elite Account, that appear on the Eligible RBC World Elite Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).
“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible RBC World Elite Accounts, it means the period between the first Eligible RBC World Elite Account’s monthly statement date, and December 31.
A Status Lift may be awarded up to fifty (50) times per Qualifying Year, which is equivalent to 10,000 CAD in tier qualifying spend. A Status Lift will be awarded approximately ten (10) business days after the monthly statement date for which the $5,000 in Eligible Purchases is reached.
For each Qualifying Year, Status Lifts are awarded based on the total Eligible Purchases posted to an Eligible RBC World Elite Account(s) until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $5,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $5,000 in Eligible Purchases for the current Qualifying Year. Status Lift(s) and Eligible Purchases will reset to zero (0) at the start of each Qualifying Year.
For an Eligible Cardholder to earn a Status Lift, their Eligible RBC World Elite Account must be open and in good standing at the time the Status Lift is awarded. If an Eligible RBC World Elite Account is closed before the end of a Qualifying Year, WestJet reserves the right to remove any Status Lift(s) and/or tier upgrade(s) the Eligible Cardholder may have received through this benefit.
Tier qualifying spend earned through Status Lift have no monetary or other exchange value and cannot be sold or transferred.
WestJet and Royal Bank of Canada reserve the right to change or withdraw the Status Lift benefit at any time.
WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com(opens to external site).
7Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC® World Elite Mastercard for Business‡. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard for Business cardholder). Cardholders must enroll for this benefit through downloading the Mastercard Travel Pass app and register at https://mastercardtravelpass.dragonpass.com/(opens to external site) using their eligible Credit Card. Enrollment for the Program must be completed using the Cardholder’s First and Last Name as set out on their respective Passport (or other government issued ID used for travel within Canada), as it will be required for verification when the Cardholder is attempting to access a participating lounge. All lounge visits, for the Cardholder and their accompanying guests, are subject to a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders' Program membership. Membership includes access to any airport lounge participating in the Program. Once the Cardholder has enrolled in the Program, the Cardholder may use one of three (3) ways to access their lounge benefits: (i) present their valid Eligible Credit Card; (ii) show their digital membership card and QR Code within the Program App or Website; (iii) present their printed or emailed e-Certificate containing the membership card and QR Code. The Program membership will be suspended if the Eligible Credit Card is cancelled or inactive, is no longer linked to the Program membership, or if the Eligible Credit Card is no longer a product participating in the Program. It is the responsibility of the Cardholder to ensure their Eligible Credit Card details are updated within the Program if there are any changes. If the Cardholder is using a printed or emailed e-Certificate as their method of lounge access, they will need to obtain a new e-Certificate if there are any changes to their Eligible Credit Card details. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (i.e. when the Cardholder enrolled in the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Enrolled Cardholders are subject to Terms and Conditions for the Global Airport Lounge Access Program and the individual lounge operators’ terms of use for the participating lounges visited, available through the Program App and Website. The Program Terms and Conditions will also be sent to the Cardholder via email once enrollment is complete. In addition to lounge access, enrollment in the Program will also allow cardholders to access additional benefits and offers. To view a full list of benefits and offers available for the Cardholders’ Eligible Credit Card, Cardholders can visit the Program App and Website for more information. Cardholders who participate in or use any of the benefits or offers presented through the Program are subject to the relevant Terms and Conditions for the applicable benefit or offer, as outlined in the Program App and Website. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Mastercard’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Mastercard and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Mastercard and RBC’s own privacy policies. The Program services and benefits are provided by DragonPass and applicable third party offer providers, and neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the Program. Mastercard reserves the right to modify or cancel this Program at any time and without prior notice. For full terms and conditions, visit https://mastercardtravelpass.dragonpass.com/terms-and-conditions(opens to external site)
8The primary cardholder on a WestJet RBC World Elite Mastercard for Business account (“Primary Business Cardholder”) will be automatically enrolled in the WestJet Biz Program Tier 1 (“Program”), starting within ten (10) business days from their WestJet RBC World Elite Mastercard for Business (“WestJet RBC Business”) account approval date, until December 31st of the following calendar year (“Offer Period”).
Once the Offer Period expires, the Primary Business Cardholder will continue to be eligible for the Program until the following December 31 if at least one (1) WestJet flight, booked through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), was purchased using to their WestJet RBC Business card during the Offer Period.
Thereafter, the Primary Business Cardholder will continue to be eligible for the Program until the following December 31 if at least one (1) WestJet flight, booked through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), was purchased using their WestJet RBC Business card during the preceding calendar year, and so on.
If the Primary Business Cardholder does not book least one (1) WestJet flight through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site) using their WestJet RBC Business card during the Offer Period or a subsequent calendar year, as applicable, the Primary Business Cardholder will no longer be eligible for the Program starting on the following January 1st, the standard WestJet Biz Program will apply going forward, and the Primary Business Cardholder will not be able to re-gain access to the Program.
If the Primary Business Cardholder closes their WestJet RBC Business card, the Primary Business Cardholder will no longer be eligible for the Program starting within ten (10) days from their WestJet RBC Business card closure date, and the standard WestJet Biz Program will apply going forward. In order to take advantage of the WestJet Biz Program discounts and tracking, all business travel bookings are required to be completed via WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site).
Prior to making a booking in WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), your company must agree to the WestJet Biz Program Terms and Conditions, which are available upon first registration.
All canceled flights with nonrefundable credits will be placed into a Corporate Travel bank.
Booking made and tickets purchased by the Company with the discounts shall be for the sole use of company employees travelling on Company business and paid by the Company.
Discounts provided under this program do not apply to fees, taxes, surcharges, WestJet Vacations packages or group bookings made through the WestJet Group Sales Department.
Discounts do not apply to interline or code-share flights, except for Delta Air Lines flight booked through the WestJet Biz booking tool.
WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Biz Program/Tier 1. For more information, and for terms and conditions, please visit: https://westjetbusinesstravel.com/(opens to external site)
9Valid from 10/01/2024 and can be redeemed once per calendar year. Eligible World Elite Mastercard cardholders and Mastercard World Elite for Business cardholders* can redeem a FlexiRoam eSIM and a 3x1GB global** data roaming plan at no additional cost by using your eligible Mastercard payment card (the "Program Benefit"). Eligible cardholders will need to register by creating a FlexiRoam account. To determine eligibility, enter your full 16-digit Mastercard card number when prompted in the FlexiRoam Mobile Application on the FlexiRoam landing page/browser. Upon verification of your eligibility, you must complete the full enrolment process to utilize the Program Benefit. For subsequent purchases, a 15% discount will be automatically applied.
The FlexiRoam eSIM and the 3x1GB global data roaming plans must be activated within the calendar year following enrollment and each will be valid for 5 days from the date of activation.
Benefit can only be redeemed once. For subsequent purchases, a 15% discount will be automatically applied.
Terms, conditions, pricing, special features and service and support options subject to change or cancellation without notice. Mastercard reserves the right to modify or cancel this Program Benefit at any time without notice. In order to redeem the Program Benefit, you acknowledge that you are entering into an agreement with FlexiRoam. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement or responsibility for the provision of any FlexiRoam benefit, subscription, products or services, and are not responsible for any claims or damages arising from their use thereof.
This Program Benefit is non-transferable and may be terminated for any breach of the FlexiRoam terms and conditions. The offer cannot be combined with any other FlexiRoam offer. Your use of the Program Benefit is subject to FlexiRoam’s terms and conditions and other applicable legal terms and conditions available at https://www.FlexiRoam.com/terms-and-conditions/(opens to external site). Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions.
*The following cards issued in Canada: World Elite Mastercard and Mastercard World Elite for Business if eligible. Check here for eligibility: mastercard.FlexiRoam.com/canada(opens to external site).
**Cardholders cannot data roam using FlexiRoam in North Korea, Ukraine, Western Sahara & Tanzania
For more information about the benefit https://mastercard.flexiroam.com/en/Canada(opens to external site)
10All insurance is subject to terms, conditions, limitations, and exclusions. Please refer to the insurance certificate included in your Welcome Kit for complete details or visit westjet-world-elite-business-mastercard-insurance-and-protection.pdf
11Coverages are underwritten by RBC Insurance Company of Canada and by Aviva General Insurance Company.
12Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.
13Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable prepaid travel arrangements that were purchased with your WestJet RBC® World Elite Mastercard for Business‡ card, and/or WestJet points, if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your WestJet RBC® World Elite Mastercard for Business‡ card, and/or WestJet points and interrupted, due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. Coverage underwritten by RBC Insurance Company of Canada.
14Coverage underwritten by RBC Insurance Company of Canada.
15Coverage underwritten by Aviva General Insurance Company.
16RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.
17Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Business Credit Card Agreement for more details.
18To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one (1) RBC Client Card to a Petro-Points Account. You must be enrolled in RBC Online Banking for business in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to two (2) business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. For more information, visit rbc.com/linkbusiness(opens new window).
19To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC Avion Visa Infinite Business‡, RBC Visa CreditLine for Small Business™, RBC Visa Business, RBC Business Cash Back Mastercard‡ and RBC Avion Visa Business. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one (1) RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions at rbc.com/rexallterms(PDF). You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to two (2) business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details and defined terms, visit Be Well Terms and Conditions available at letsbewell.ca/terms-conditions(opens to external site). Be Well points are not awarded on taxes, tobacco products, products containing codeine, lottery tickets, alcohol, bottle deposits, gift cards, prepaid cards and wireless or long distance phone cards, event tickets, transit tickets and passes, post office transactions, stamps, passport photos, cash back, gifts with purchases, delivery charges, environmental levies, Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.
20To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your WestJet RBC® World Elite Mastercard for Business‡, you must subscribe to DashPass by adding your WestJet RBC® World Elite Mastercard for Business‡, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms(PDF). If you are an existing DashPass subscriber and have already added WestJet RBC® World Elite Mastercard for Business‡to your account, you must activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms(PDF). If you have been charged for DashPass, you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass”, you agree to the DoorDash terms and conditions, which can be found at rbc.com/doordashterms(PDF). Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on your WestJet RBC® World Elite Mastercard for Business‡ account. The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12 month Complimentary DashPass Subscription. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. Your WestJet RBC® World Elite Mastercard for Business‡may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC® World Elite Mastercard for Business‡ to obtain a Complimentary DashPass Subscription with another DoorDash account. You are only eligible for one 12 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. You will be auto-enrolled in the full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. WestJet RBC® World Elite Mastercard for Business‡ credit card account must be open and not in default to maintain the benefits of DashPass. DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass; and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit doordash.com/dashpass(opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbc.com/doordashterms(PDF).
21DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass
22Provided the WestJet ID attached to your personal and business cards is the same.
24Within the Economy cabin, the Member Exclusive Economy is discounted off the Econo fare bundle. Within the Premium cabin, the Member Exclusive Premium is discounted off the Premium fare bundle. Within the Business cabin, the Member Exclusive Business is discounted off the Business fare bundle. Member Exclusive fares are not discounted off the following fare bundles: UltraBasic, EconoFlex, PremiumFlex and BusinessFlex.
25To be eligible for the WestJet RBC World Elite Mastercard for Business credit card, you must meet one (1) of the four (4) following requirements: (1) a minimum annual individual income of $80,000 or household annual income of $150,000, (2) a minimum annual business revenue of $250,000, (3) a minimum spend of $25,000 on purchases that are eligible for a direct payment through a credit card, or (4) minimum assets under management (AUM) of $400,000. If you do not meet at least one (1) of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada will not consider your application for the WestJet RBC World Elite Mastercard for Business credit card. For complete details on the features of the WestJet RBC World Elite Mastercard for Business credit card, please visit rbc.com/westjetbusiness(opens new window) or call 888-914-3839.
Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.
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.




