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TD Platinum Travel Visa Card Review

Earn TD Rewards Points with every purchase and get travel perks with the TD Platinum Travel Visa Card.

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30-second take

  • Consider getting this card if you travel frequently and want comprehensive insurance coverage and the ability to earn reward points on all purchases.
  • Choose something else if you don’t want to pay an annual fee of $89.
  • You must be a Canadian resident and the age of majority in your province. There is no minimum income requirement for this card.

The basics

If you’re a travel enthusiast and want a travel card with a boosted rewards program, then the TD Platinum Travel Visa Card could be the right choice for you. This card saves you money for your next trip and lets you use your travel points on all your daily purchases.

This card has no minimum annual income requirement to apply and that makes it an extremely accessible card for everyone.

The perks

  • Welcome bonus. Earn up to 50,000 TD Rewards Points (a travel value of $400). Plus, get the first year annual fee waived. Conditions Apply. Apply by September 3, 2024.
  • Earn reward points. Earn 6 TD Rewards Points per $1 spent on travel booked online through Expedia for TD, earn 4.5 TD Rewards Points per $1 spent on eligible grocery purchases, 3 TD Rewards Points per $1 spent on regularly recurring bill payments, and earn 1.5 TD Rewards Points for every $1 you spend on all other eligible purchases.
  • Flexible rewards. TD Rewards Points never expire and can be redeemed for travel discounts, gift cards, merchandise or as a statement of credit.
  • Travel insurance coverage. Get a comprehensive travel insurance package including up to $500 coverage for delayed flights and up to $1,000 coverage per person for delayed and lost baggage.
  • Common carrier insurance. Get up to $500,000 Commom Carrier Travel Accident Insurance on accident-insured losses while traveling on common transport like buses, planes, ferries and trains.
  • Purchase security. Get extended warranty and insurance coverage for your latest purchases in case they’re stolen or damaged.
  • Rental car excess coverage. Get a minimum 10% discount in Canada and the US, and a minimum 5% discount internationally with Avis, Budget and other participating car rental agencies.
  • Fraud protection. Visa’s Zero Liability insurance offers protection in case of illegal, unauthorized or fraudulent activities detected on your account.
  • Cardless payments. You can save time by checking out with Visa payWave technology on Google Pay for Android and Apple Pay for iOS users.

What to watch out for

  • Annual fee. The annual fee is $89 – but the fee is waived in the first year.
  • High interest rate. You will be charged 20.99% interest on outstanding purchase balances and 22.99% for cash advances.
  • Additional card fee. Additional cards cost $35 each.
  • Medical insurance. You won’t be covered for any medical emergencies with this card.

TD Platinum Travel Visa Card interest rates

Interest TypeInterest Rate
Purchase interest rate20.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What should I know before I apply?

Bottom line

The TD Platinum Travel Visa Card offers a welcome bonus, the ability to earn reward points on all purchases and comprehensive travel insurance. The card comes with seven different insurance coverages such as common carrier insurance, car rental insurance, purchase security insurance, lost baggage insurance and fraud protection, with other extra benefits. This card is not for you if you don’t want to pay an annual fee of $89 or don’t travel frequently.

Frequently asked questions about the TD Platinum Travel Visa Card

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