TD Platinum Travel Visa Card Review
The TD Platinum Travel Visa Card is an affordable travel contender that boasts excellent point potential, strong insurance, and a couple of helpful perks.
Oct 19, 2026 11:01 AM
The Bottom Line
The TD Platinum Travel Visa Card is an admirable, affordable travel credit card, especially if you don’t care for higher value perks, points, or coverage. That said, more frequent travellers may want to upgrade to one of the leading cards above.
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Welcome Bonus
Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and receive an Annual Fee rebate for the first year†. Conditions apply.
Annual Fee
$89 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
Rewards
- Earn 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
- Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
- Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance
Coverage
Flight Delay†
$500Baggage Delay†
$1,000
Lost or Stolen Baggage†
$1,000
Common Carrier Travel Accident Insurance†
$500,000.svg)
Car Rental Damage & Theft†
yes
Hotel Burglary Insurance†
$2,500
Purchase Protection†
90 days
Extended Warranty†
Up to 1 year
Mobile Device Insurance†
$1,000
Benefits
Details
Extra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
N/A
Welcome Bonus Details
Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and receive an Annual Fee rebate for the first year†. Conditions apply.
- Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
- 35,000 TD Rewards Points when you spend $3,000 within 180 days of Account opening†.
- Get an Annual Fee Rebate for the first year†.
To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
22.99%□
Fees
Annual Fee
$89
$0 first year
Additional Cards
$35 first card then $0 for more
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Good
Type
Pros & Cons
Pros
- High travel rewards
- First-year fee rebate
- No income requirements
- Comprehensive insurance
Cons
- Low point value
- Low non-travel return
- Missing key insurance categories
Our Detailed Review
How to Earn Rewards with the TD Platinum Travel Visa Card
There are plenty of ways to collect TD Rewards Points using the TD Platinum Travel Visa Card, one of the best TD credit cards in Canada, including:
- Earn 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
- Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
Clearly then, the best way to earn TD Rewards Points using your TD Platinum Travel Visa Card is by booking travel through Expedia for TD. That said, you can also earn solid points on common purchases like groceries, dining, and recurring bill payments, making this card extremely well-balanced.
How to Redeem Rewards with the TD Platinum Travel Visa Card
There are a handful of ways to redeem your TD Rewards Points.
Below, we’ve listed all the redemption opportunities provided by the loyalty program, ranked from most valuable to least valuable.
- Expedia for TD: Choose from a catalogue of over a million flights, hotels, vacation packages and more through the Expedia for TD website.
- Book Any Way Travel: Book travel outside of Expedia for TD with almost any other travel agency or platform – applicable to all kinds of travel arrangements.
- Education: Use your TD Rewards points to cover the cost of tuition at over 100 eligible institutions.
- Amazon.ca: Redeem TD Rewards points for products sold on Amazon.ca.
- Statement Credits (Cash): Apply TD Rewards to your credit card balance to pay off any lingering expenses.
- Gift Cards: Turn points into presents by purchasing an eligible gift card with your TD Rewards points.
- Merchandise: Use your TD Rewards points to pay for eligible products from partner brands.
- Starbucks Rewards: Convert TD Rewards points into Stars to fund your favourite coffee or pastry purchase at participating Starbucks stores.
Based on the list above, the best way to redeem your TD Rewards Points is towards Expedia for TD travel or Book Any Way travel, making the card particularly appealing to travellers.
Benefits and Perks
6 Benefits of the TD Platinum Travel Visa Card
With the TD Platinum Travel Visa Card, you’ll pocket quite a few perks, including:
To make your first year that much more valuable, the TD Platinum Travel Visa Card’s Annual Fee is waived for the first year of membership.
Unlike other travel-oriented credit cards, the TD Platinum Travel Visa Card avoids annual income requirements, making the card much more accessible to a wider variety of applicants.
Cardholders can also collect extra TD Rewards Points on the first purchase they make with this card, plus even more points when they meet certain spending thresholds during the first few months of account opening.
As mentioned, the TD Platinum Travel Visa Card offers impressive points per dollar spent on travel, not to mention commendable points per dollar spent on everyday expenses like groceries, dining, and recurring bill payments. The overall base rate on all other purchases is also a bit above average.
If you want even more TD Rewards points, head on over to a participating Starbucks location. When you link your TD Platinum Travel Visa Card to your Starbucks account, you can collect extra TD Rewards and Starbucks Stars on each steamy cup of coffee.
The TD Platinum Visa Card also includes a strong list of insurance coverage, with valuable protections like flight and baggage delay insurance, hotel burglary insurance, and car rental theft and damage insurance.
Drawbacks and Considerations
2 Downsides to the TD Platinum Travel Visa Card
There are also some downsides to consider:
While the TD Platinum Travel Visa Card comes with good point potential on categorical spending, the actual value of its points are relatively low compared to other loyalty programs like Scene+ or American Express. Even when you redeem your TD Rewards towards travel, you still aren’t receiving the highest relative cent-per-point value.
If you're set on applying for a TD credit card, note that there are even better reward cards within the TD sphere.
Compare the TD Platinum Travel Visa Card against other TD cards and opposing institutions using our comparison tool. If you're torn between a couple of contenders, you can also make use of our side-by-side credit card comparison tool.
Sure, the TD Platinum Travel Visa Card offers plenty of travel coverage, but it still misses key insurance categories like trip interruption insurance, trip cancellation insurance, and travel medical insurance. These categories are often included on competing annual fee travel credit cards.
Compare to Similar Cards
Comparison to Other Travel Credit Cards
To really understand how the TD Platinum Travel Visa Card stacks up, you need to compare it against other similar-tier travel credit cards on the Canadian market.
Luckily, in this section, we’ve done some of the top comparisons for you.
For the full list of leading contenders, including pricey premium options, check out our best travel credit cards in Canada post.
TD Platinum Travel Visa Card vs Scotiabank Passport Visa Infinite + Card
The first card to compare our featured card to is none other than the Scotiabank Passport Visa Infinite + Card, one of the top travel and best no foreign transaction fee credit cards in Canada. This card offers solid high-value Scene+ points on groceries, dining, entertainment, transit, and most importantly, travel. All points are most valuable when redeemed towards travel, even more valuable than the TD Platinum Travel Visa Card. This card also provides more extensive insurance, including trip interruption, trip cancellation, and travel medical coverage. Additionally, cardholders can expect travel perks like no foreign transaction fees, airport lounge access, and an Avis Preferred Plus status lift. Of course, this card is a Visa Infinite contender, so it comes with a higher annual fee and some annual income requirements.
TD Platinum Travel Visa Card vs Amex Cobalt Card
The American Express Cobalt Card, one of the best credit cards in Canada, is notable for its ability to collect high-value travel-redeemable Amex Membership Rewards points on everyday purchases like dining, groceries, streaming, gas, and transit. As far as travel perks go, this contender includes travel medical insurance and a hotel travel credit. Just note that this card has a higher annual fee to account for its high value.
TD Platinum Travel Visa Card vs Scotiabank Gold Amex Card
For tons of high-value Scene+ points on groceries, entertainment, gas, transit, streaming, and travel, apply for the Scotiabank Gold American Express Card, one of the best flexible credit cards in Canada. This competitor offers better travel coverage and perks, including rare no foreign transactions fees. The annual fee is slightly higher, but luckily it’s waived during the first year of membership. Note that there are also some small annual income requirements to qualify.
Frequently Asked Questions
Yes. Compared to the other cards above, the TD Platinum Visa Travel Card is a great option for travellers on a budget. The card comes with a low, rebated Annual Fee, plus decent point potential. If you'd like even better point potential, perks, or coverage you can consider upgrading to one of the compared cards. If you'd like something even more affordable and don't mind compromising a bit of value, you can also opt for a no-fee travel-friendly credit card, found using our Credit Card Comparison Tool.
TD Rewards Points can certainly help you save on travel, especially if you book trips through Expedia for TD. That said, other reward programs like Scene+ or American Express have higher overall cent-per-point values, even on travel redemptions.
Ultimately then, TD Rewards Points are still valuable for casual travellers, but those looking for major savings on flights and hotels may want to consider a higher-value points card, if they can afford a higher Annual Fee.
Whether the TD Platinum Travel Visa Card provides "enough" travel insurance depends on the traveller. While the card includes helpful coverage like flight and baggage delay, hotel burglary, and rental car insurance, it lacks important protections like travel medical, trip interruption, and trip cancellation insurance.
Choose the TD Platinum Travel Visa Card is you want a low-cost, beginner-friendly travel card that earns decent rewards on everyday spending with no annual income requirements.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Kevin Shahnazari
Co-founder
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Abid Salahi
Co-founder
Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...
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TD Platinum Travel Visa* Card Points Calculator
on TD's website