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 TD Platinum Travel Visa* Card review

• Rates & Fees

6 TD Rewards points for every $1 spent on travel with ExpediaForTd.com

4.5 TD Rewards Points for every $1 spent on groceries and dining out

3 TD Rewards Points for every $1 spent on recurring bill payments

1.5 TD Rewards Points for every $1 spent on everything else

$89 Annual Fee Waived for the first year

20.99% Purchase APR

22.99% Cash Advance APR

2.50% Foreign Transaction Fee

Good Recommended Credit Score

$0 Required Annual Personal Income

$0 Required Annual Household Income

By Tyler Wade & Cory Santos

Updated: May 02, 2024

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Compare other TD credit cards

• TD® Aeroplan® Visa Infinite Privilege*
• TD® Aeroplan® Visa Infinite* Card
• TD First Class Travel® Visa Infinite*
• TD Cash Back Visa Infinite* Card
• TD Rewards Visa* Card

Compare other travel credit cards

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• American Express® Aeroplan®* Card
• BMO Ascend™ World Elite®* Mastercard®*
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This offer is not available for residents of Quebec.

Quick overview of the TD Platinum Travel Visa*

The TD Platinum Travel Visa* Card is best for TD Bank users who frequently book their travels through Expedia and want to earn rewards on their everyday spending like bills and groceries. 

However, like all credit cards, it comes with its own set of pros and cons. In this comprehensive review, we'll delve into the card's features, benefits, and how it stacks up against other TD offerings and plan programs, helping you decide if it's the right fit for your wallet.

Who is the TD Platinum Travel Visa* Card for?

The TD Platinum Travel Visa* Card is designed for TD Bank users who frequently book their travels through Expedia and want to earn rewards on their everyday spending. It offers a generous welcome bonus, high earn rate on dining, groceries, and Expedia bookings, making it a valuable option for frequent travelers. However, if you're looking for more premium travel perks like airport lounge access, consider other cards in the market, including TD's Aeroplan® Visa Infinite Privilege*

TD Platinum Travel Visa* Card: pros and cons

Generous welcome bonus : Get up to 50,000 TD Rewards Points when you make your first card purchase and spend $1,000 within 90 days of opening your account.

High earn rate : Earn up to six TD Rewards Points for every $1 spent on Expedia® for TD, 4.5 points on dining and groceries, and three points on recurring bill payments.

No travel restrictions : No blackouts, seat restrictions, and your points never expire as long as your account is in good standing.

First year fee waiver : The annual fee is waived for the first year.

Limited travel perks : Unlike some premium cards, it doesn't offer perks like airport lounge access.

Not ideal for non-Expedia users : The highest rewards rate is tied to Expedia bookings.

TD® Platinum Travel Visa credit card welcome bonus

New cardholders with the TD Platinum Travel Visa* Card can earn up to 50,000 TD Rewards Points in their first year of card membership:

• 15,000 TD Rewards Points after your first purchase with the card
• 25,000 TD rewards points after you spent $1,000 within 90 days of opening your account
• First-year annual fee waiver ($89 value)
• Six months of Uber One membership ($60 value)

How to earn TD Rewards points with the RTD® Platinum Travel Visa

The TD Platinum Travel Visa Card offers an impressive earning rate on several keys categories:

• Earn 6 TD Rewards points for every $1 spent when you book travel through Expedia for TD
• Earn 4.5 TD Rewards Points for every $1 spent on groceries and dining out
• Earn 3 TD Rewards Points for every $1 spent on recurring bill payments
• Earn 1.5 TD Rewards points for every $1 spent on everything else

How to redeem points

The average dollar value of one TD Reward point is $0.005. To make this math easier, let’s crank up the points.

The best way to redeem your points is by travelling through Expedia for TD portal, where 200 points equal 1 dollar.

You can also book travel through any provider where the value goes down a little for the first $1,200 in spending—250 TD Rewards points are worth $1. Redeeming merchandise is not as valuable, where, depending on the retailer, you’ll get, at best, half and at worth a tenth of the value out of your points.

You can also apply your points as a statement credit if you’re trying to pay down a balance.

Key Benefits of the TD Rewards Card

• Expedia benefits: If you frequently book through Expedia, this card offers one of the best rewards rates for your bookings.
• Dining and groceries: Earn a high rate of 4.5 points for every dollar spent at restaurants and grocery stores, making your night out on the town or grocery run even more rewarding.
• Travel insurance: The card includes decent travel insurance coverage, ensuring peace of mind during your travels. However, you can upgrade your coverage for an additional fee to unlock emergency medical insurance.

TD Rewards Visa credit card insurance coverage

The Platinum Travel Visa credit card from TD provides an impressive selection of travel insurance and everyday protection benefits for cardholders, including:

• Flight delay insurance of up to $500 if your trip is delayed more than 4 hours.
• Delayed and lost baggage insurance up to $1,000 per insurance person if delayed more than 6 hours.
• Travel accident insurance up to $500,000 (while travelling on a common carrier like a plane, train, or bus).
• Rental car insurance for up to 48 consecutive days up to a maximum MSRP of $65,000.
• Mobile device insurance up to $1,000 in the event of loss, theft, or accidental damage.
• Extended warranty insurance that doubles the manufacturer’s warranty up to an additional 12 months.
• Hotel burglary insurance up to $2,500.
• [Optional] Apply for travel medical insurance in case of medical emergencies abroad.
• [Optional] Apply for Trip cancellation insurance to help recover trip expenses or the cost of a trip home.
• [Optional] Apply for TD Auto Club Membership for roadside emergencies.

Rewards Visa cardholders also receive peace of mind thanks to instant fraud alerts; TD Fraud Alerts continuously monitors your TD account registered mobile phone and automatically alerts you if suspicious activity is suspected.

Extra Benefits of the TD Bank Platinum Travel Visa* credit card

• Additional rental car savings: At Avis and Budget locations, you can save a minimum of 10% off the lowest base rate fares in Canada and 5% in the U.S.
• No restrictions: There are no travel blackouts or seat restrictions, and your TD Rewards Points never expire as long as your account is open and in good standing.
• Earn more stars at Starbucks:  Link the TD Rewards card to your Starbucks account and earn 50% more TD Rewards points and Stars.
• Mobile wallet compatibility: Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
• TD mobile app: The app allows you to manage your account, view transactions, block international purchases, and more. It's available in the Apple App Store and Google Play. 
• Added payment security: Chip and pin technology for an added layer of security.

What people are saying about the Platinum Travel Visa credit card from TD

• "I've had the TD Visa Platinum Travel card for years and have never complained about the rewards, using the rewards or the use of the card... Redeeming for travel, etc, is very easy through TD for Expedia. A high fee has always been credited back due to my bank portfolio level with TD Bank...so I have no complaints at all, I would highly recommend this card and TD Bank! Satisfied card holder!" - Drmoy1
• "It is a great card with great rates, and we never had any real issues with it. The interest rate is also very good, so yes all is good with this card" - Joshua M

How does the TD Platinum Travel Visa* Compare?

Td platinum travel visa* vs. td first class travel ® visa infinite* card.

The TD Platinum Travel Visa* Card and the TD First Class Travel ® Visa Infinite* Card are both tailored for travel enthusiasts, but they cater to slightly different needs. While any card you choose ultimately depends on your individual travel and spending habits, the TD First Class Travel ® Visa Infinite* card shines with better earn rates and insurance (including emergency medical). 

Yes, the TD First Class Travel ® Visa Infinite* charges $50 more in its annual fee, but just like the TD Platinum Travel Visa Card, that fee is waived in the first year. Also, the First Class card gives you an annual TD Travel Credit of $100 with Expedia For TD. 

For frequent travellers, especially those who prefer to book through Expedia, the TD First Class Travel® Visa Infinite* Card offers more value and benefits. 

TD Platinum Travel Visa* Card vs. TD Aeroplan ® Visa Platinum Card

Both cards charge the same annual fee which are both waived in the first year. They both feature the same travel insurance (and sadly both miss emergency medical travel insurance), purchase security, extended warranty and mobile device insurance.

These cards are virtually identical, except for one crucial difference: the points. 

You either earn TD Rewards Points or Aeroplan ® points. With TD, you can book your travel through Expedia or use the “book-any-way” redemption method which reduces your point value, but you can fly anywhere on any airline. With TD’s Aeroplan ® card, you get Aeroplan ® points allowing you to book with Air Canada and its partner airlines. 

Essentially, if you bank with TD and love their rewards program, be sure to take advantage of bundle discounts on their chequing, saving, insurance and mortgage. If you’re not loyal to a bank, and love the Aeroplan ® program, go with the TD Aeroplan ® Visa Platinum. 

Is the TD® Platinum Travel Visa credit card worth it?

The TD Platinum Travel Visa* Card is best suited for those who frequently use Expedia for their travel bookings. With its generous welcome bonus, high earn rate on dining, groceries, and Expedia bookings, it offers significant value. However, if you're looking for more comprehensive travel perks, there might be other cards in the market that better suit your needs. The biggest benefits of this card are its earn rate and flexibility in point redemption. The main drawback is the lack of premium travel perks like airport lounge access.

Eligibility requirements of the Rewards Visa credit card from TD Bank

To qualify for the TD Platinum Travel Visa* Card, you need to meet the following criteria:

• You must be a Canadian resident.
• You must be at least the age of majority in your province or territory.

There is no minimum income requirement for this card. However, it is important to have a credit score in the good to excellent range.

Is the TD Platinum Travel Visa* worth it?

The TD Platinum Travel Visa* Card offers value for frequent Expedia users with its high earn rate on bookings, dining and groceries. Its comprehensive travel insurance and flexible point redemption enhance its appeal. However, its worth depends on individual spending habits and the annual fee's perceived value.

Is the first-year annual fee really waived for the TD Platinum Travel Visa* Card?

Yes, the TD Platinum Travel Visa* Card often offers promotions where the annual fee is waived for the first year, providing immediate savings for new cardholders.

How do I earn the maximum welcome bonus for the TD Platinum Travel Visa* Card?

To earn the maximum welcome bonus, you have to make a purchase within the first 90 days of activating the card, plus spend at least $1,000 in that same time period.

How does the TD Platinum Travel Visa* Card's rewards program benefit frequent Expedia customers?

The card offers a higher earn rate for travel bookings made through ExpediaForTD.com, groceries and recurring bill payments allowing frequent Expedia users to accumulate TD Points faster.

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

Cory Santos is a finance editor at Money.ca

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TD Platinum Travel Visa* Review

By Heidi Unrau | Published on 12 Oct 2023

We all want to go places, just not to the same places. A unique travel card like the TD Platinum Travel Visa*  can be used for so much more than your next tropical escape. The flexible TD Points program caters to Expedia lovers but can also help save on your next Amazon purchase, score free Starbucks lattes, and even level up your education!  The TD Platinum Travel Visa* turns both your essential spending and splurges into points you can use on what matters most. It might even be one of the best credit cards for students because of a little-known feature. Here’s what you should know about the incredibly versatile TD Platinum Travel Visa* card.   

TD Platinum Travel Visa* Welcome Offer

How does $400 worth of free stuff sound? I thought so. New TD Platinum Travel Visa* cardholders can earn up to 50,000 bonus TD Rewards points. That alone is worth about $250 in travel benefits when redeemed through the exclusive Expedia portal for TD Points collectors . Then, the annual fee is rebated for the first year for you and one additional cardholder. There’s another $89-$124 kept where it belongs – in your pocket! And for good measure, you also get a free 6-month† Uber One membership worth $60.

So, how do you score these bonus points and extra savings? You have to apply and be approved by September 3, 2024. Then you have to meet some spending requirements to snag those bonus TD Points.

First, you’ll get 15,000 bonus TD Rewards Points once you make a first purchase with your card in the first 3 months. Once you do that, the annual fee will be rebated for the year too. To earn another 35,000 TD Points you need to spend $1,000 on the card in the first 90 days of opening your account. Thanks to inflation , you’ll have no problem hitting that minimum $1,000 spend threshold. We’re looking at you, grocery stores!

The Highlight Reel: TD Platinum Travel Visa* Perks

• $400 worth of welcome offers
• Annual fee rebated in the first year
• 6 points per $1 spent on eligible travel bookings through Expedia For TD
• 4.5 points per $1 spent on groceries and restaurants
• 3 points per $1 spent on recurring bill payments 
• 1.5 points per $1 spent on everything else
• No limit to the number of points you can accumulate
• Points never expire
• Bonus TD Points & Starbucks Stars on Starbucks purchases
• Redeem points for travel through any provider, merchandise, or statement credit
• No travel blackouts or seat restrictions
• Redeem points for Starbucks purchases
• Redeem points for Amazon.ca purchases
• Redeem points for tuition costs or student loan payments
• Purchase protection 
• Extended warranty 
• Travel insurance coverage 
• Discounted car rentals 
• No minimum income required to be eligible

Earning TD Points with your Platinum Travel Visa*

The TD Points program is quickly growing in popularity and for good reason. It’s an incredibly flexible points program that lets you earn rewards on your daily purchases and redeem them for things like travel, merchandise, a credit on your account, and a few other crazy things that will blow your mind. The TD Platinum Travel Visa* Card offers you 3 accelerated points categories to help you bank even more points on the essentials, such as: 

Up to 6 points per $1 on travel purchases 

Travel purchases made with your card earn the most rewards with 6 TD Points per $1 spent online through the exclusive Expedia for TD portal, or if you book through the portal by telephone. Also, there is no annual spending cap on Expedia for TD purchases.

Up to 4 points per $1 on groceries and restaurants

You’ll earn 4.5 TD Points per $1 spent when you use your TD Platinum Travel Visa* Card to buy groceries at eligible grocery stores and restaurants. Be careful though, not all stores that sell groceries qualify as a grocery store. To get 4.5 points, the store must have a Merchant Category Code (MCC) that classifies them as a grocery store or restaurant in the Visa network.

To know for sure if your favourite grocery retailer qualifies, you can always call TD at 1-800-983-8472. The accelerated earn rate applies to all eligible grocery and restaurant purchases up to a total annual spend of $15,000 a year combined for groceries, restaurants, and bill payments. Once you hit the annual spending limit, the earn rate drops to 1.5 TD Points per $1.

Up to 3 points per $1 on recurring bill payments

Do you have recurring monthly bills? That’s a rhetorical question, of course you do. To earn 3 TD Points per $1 on your monthly recurring bills, set them to automatically charge your TD Platinum Travel Visa* Card each month. Eligible recurring bill payments include online streaming subscriptions, insurance premiums, magazine and newspaper subscriptions, cell phone bills, membership fees, etc.

As long as the merchant accepts pre-authorized payments and is classified as “recurring payments” through the Visa network, then you’re good to go. However, there is a $15,000 annual spending cap on this too. Once your combined total recurring bill payments, grocery, and restaurant charges hit $15,000 in a year, the earn rate drops down to 1.5 TD points per $1 spent.

Get 1.5 points on everything else! 

All other purchases on your  TD Platinum Travel Visa* Card , outside the accelerated rewards category, earn 1.5 TD points per $1. You also earn 1.5 TD points per $1 once you exceed the $15,000 annual spending limit on groceries, restaurants, and recurring bill payments set up on your card.

Bonus points at Starbucks!

TD and Starbucks have teamed up to help coffee lovers score more points on their guilty pleasures. You can earn bonus TD Points when you link your TD Platinum Travel Visa* Card to your Starbucks Rewards account. You’ll earn 50% more TD Rewards Points and 50% more Starbucks Stars. From there, you’ll double dip both your TD Points and your Starbucks Stars when you make eligible purchases through the Starbucks app.

Beware of spending caps & the impact on earning points!

We love getting max points on the essentials, but it’s not a free-for-all. There is an annual spending cap of $15,000 combined across groceries, restaurants, and recurring bill payments. Once you exceed the maximum spend, your earn rate drops to 1.5 points per $1 until it reset the following year.

Having said that, there is no limit on the actual number of points you can earn. Even though the rate at which you earn points might drop if you hit the spending limit, you don’t stop earning points on any of your card purchases. That means you can earn limitless points with your  TD Platinum Travel Visa* Card . Cha-ching! Oh, and your TD Points never expire either. 

Redeeming your TD Points

TD credit cards are catching the eye of savvy points collectors and growing in popularity. That little green logo offers something for everyone. The TD Points program is flexible enough to make globetrotters and home-bodies equally happy. Here’s how to redeem your TD Rewards Points: 

Best value when you redeem for travel

The TD Platinum Travel Visa* is a travel card, hence the name, so you’ll get the best redemption value on travel and travel-related purchases through the Expedia for TD portal. If Expedia for TD doesn’t have what you’re looking for, you’ll get the next best redemption value on travel purchases through any other travel provider of your choice.

Better yet, your points can be applied to travel-related charges on your card like taxes, fees, and even excursions booked through your vacation resort! And there are no blackout dates or seat restrictions to worry about either. Your TD Points must be redeemed in 200-point increments on travel purchases.

Redeem for a credit on your account

If cash is king for you, then you can redeem your TD Points for a credit on your credit card bill to help pay down the balance. However, you need to have a minimum points balance of at least 10,000 TD Points in order to redeem for a statement credit. Then, every increment of 400 points over the minimum is worth $1 which can be redeemed as a credit to the account. 

Attention Amazon shoppers! 

You can redeem your TD Points for purchases on Amazon.ca. It’s super easy. Just add your TD Platinum Travel Visa* to your Amazon account and Amazon will automatically enroll your card, unless you opted out of automatic enrollment. When you’re ready to purchase the items in your cart, select your TD Platinum Travel Visa* as the method of payment and choose how many TD Points you’d like to redeem. Their value will be deducted from your total to cover all or a portion of your purchase. 

Free stuff from TD

You can also redeem your TD points to get free stuff from the TDRewards.com online catalogue. You can score free name-brand merchandise across every possible category as well as gift cards to stores, restaurants, and gas stations. Keep in mind, redeeming for merchandise and gift cards yields the lowest redemption value for your points.

Free lattes? Yes please! 

Not only can you double-dip your Starbucks Stars and TD Points, you can also redeem your points for free Starbucks purchases too! If you’re having a hard time kicking that pricey caffeine addiction, the TD Platinum Travel Visa* can save your budget. Just swap your TD Points for Starbucks Stars. Then, redeem your Starbucks Stars for free coffee, handcrafted drinks, food, and eligible merchandise. You need to redeem at least 700 TD Points for Starbucks Stars.

Attention students! Is this the best redemption feature EVER?

Are student loans killing your vibe? What if I told you the TD Platinum Travel Visa* could slash your tuition bill? The TD Points program is the first I’ve come across that lets you redeem points towards your student loan balance and other education costs. TD Points can be used to purchase education credits on HigherEdPoints.com to pay off or pay down student loans or put directly towards your tuition. 

And the best part? They don’t have to be your own TD Points either. Anyone can use their eligible TD Points to purchase education credits for you too. Thanks, Nana! Credits can be purchased in $250 increments (62,500 points) and transferred to your HigherEdPoints account.

From there, you have 2 years to redeem your education credits for payment on federal/provincial student loans or directly towards tuition at participating post-secondary schools. And for what it’s worth, education credits are the second-highest redemption value after travel. I can’t even! 

Travel insurance benefits on your TD Platinum Travel Visa*

As a travel card, TD Platinum Travel Visa* isn’t the best on the market, but it does not disappoint either. Not only do you get the best redemption value on your points when used to book travel through Expedia for TD, you also get a host of other perks too. TD even provides a nifty Credit Card Travel Insurance Verification Tool to help you see what travel benefits are available on your TD credit card. That’s an incredibly handy feature I haven’t seen from other credit card providers.  Here’s a rundown of the complimentary travel insurance benefits you get: 

Other travel perks & discounts

Travel insurance isn’t the only perk you get. Your TD Platinum Travel Visa* also gives you special privileges at airports, on-demand access to help when you need it, other travel discounts, and a smarter way to spend. Here’s how: 

Travel assistance

In the event you experience a personal emergency while travelling, you can access Emergency Travel Assistance Services toll-free at  1-800-871-8334. Knock on wood!

When you need a rental 

If you like to sight-see on your own terms while travelling, or you got rear-ended on your way to a tourist attraction, you can save money with car rental discounts. TD Platinum Travel Visa* holders get at least 10% off car rentals through participating Avis Rent-A-Car and Budget Rent-A-Car locations in Canada and the U.S., and at least 5% off participating international locations.

For the road trippers

Do you love to road-trip? Your TD Platinum Travel Visa* gives you the option to purchase a membership to TD Auto Club. You’ll get access to emergency roadside assistance 24 hours a day. Now you can hit the open road with confidence.

For the smart shoppers 

Savvy shoppers don’t just bargain hunt, they protect their purchases from loss and damage. When you make a purchase with your TD Platinum Travel Visa* , you automatically get Purchase Security and Extended Warranty protection on most new items. If something is stolen or damaged within 90 days from the date of purchase, you’re covered. You also get Mobile Device Insurance on eligible mobile devices purchased with your card.

Rates & fees on the TD Platinum Travel Visa*

Rewards cards typically come with an annual fee, and the TD Platinum Travel Visa* is no exception. At $89 per year, you get quite a bit back in complimentary perks. It’s not a terrible fee compared to other cards on the market, and it’s rebated for the first year too. You can add additional cardholders to your account. The first one will cost $35, also rebated for the first year, and the next ones are free.

The interest rate is pretty standard on this card. There’s really nothing to write home about here, especially if you know how to use a rewards card properly . Ideally, you want to pay your balance off in full every month, which makes the interest rate on this card irrelevant. If you rack up a balance and don’t pay it off in full by the due date, interest charges start to cancel out the benefit of your points – so don’t do that!

Are you eligible for the TD Platinum Travel Visa* card? 

Despite the word “platinum” in the title, the TD Platinum Travel Visa* is a rewards card that is fairly easy to get. There is no minimum income required to qualify, which is great news for students, homemakers, those with lower or non-traditional incomes, as well as retirees. To qualify for this card, you must be at least the age of majority in the province where you live and be a permanent resident of Canada. 

Sometimes, a credit card will explicitly require post-bankrupt applicants to be discharged from bankruptcy for at least 7 years in order to be eligible. However, the TD Platinum Travel Visa* does not have any explicit requirements for post-bankrupts, leading us to believe you may be able to get this card if you have a bankruptcy or consumer proposal on your credit file.

However, we are only speculating based on the eligibility requirements of other cards. Approval is never guaranteed and your application is subject to a hard credit check . Applicants with a good credit score are more likely to be approved. 

Who is the TD Platinum Travel Visa* card for?

At first glance, the TD Platinum Travel Visa* looks like a great card for wanderlusters who want to convert their daily purchases into fabulous adventures. But upon closer inspection, it’s actually a fantastic card for anyone who wants a flexible rewards program to save money on major budget-busters.

Specifically, three kinds of people come to mind; students, Starbucks lovers, and die-hard Amazon shoppers. Heck, it’s a great card for parents who want to help their kids with the cost of post-secondary education.  

Travel might not be top of mind now that the cost of living just hit cruising altitude. As a Starbucks addict and devout Amazon shopper myself, I was already flexing my digits to hit that Apply button. It’s not often that a travel card can help you bank some serious savings on stuff other than travel; like what you need, what you want, and the simple joys that make life worth living.

Luckily, you don’t have to choose between a white and green cuppa-joy or diapers for the tiny humans who make you want to inject that coffee directly into your bloodstream. With the TD Platinum Travel Visa* you can do both! 

Lattes earn points, and points can cover those Amazon diaper purchases. Or your kid’s undergrad program. The HigherEdPoints program is a complete game-changer and I’d like more credit cards to hop on board with this.

And now that you can bank bonus points when the green siren calls, your guilty pleasures can actually bankroll your way to a cap and gown. Don’t worry, when you’re ready to travel again you’ll still score sweet deals on Expedia for TD. Until then, you might as well save money on simple joys.

The TD Platinum Travel Visa* Rating

Heidi Unrau

• Book Travel
• Credit Cards

TD Platinum Travel Visa* Card

Application must be approved by September 3, 2024 to receive this offer

Signup bonus:, annual fee:, interest rates:, earning rate:.

The TD Platinum Travel Visa *  Card is an entry-level credit card that lets you earn points in the bank’s proprietary TD Rewards program.

The TD Platinum Travel Visa* Card   is a card geared towards students, newcomers to Canada, or individuals with new or recovering credit files who want to build a strong relationship with TD while earning some travel rewards.

Bonuses & Fees

Until September 3, 2024, the TD Platinum Travel Visa * Card is offering up to 50,000 TD Rewards Points † as a signup bonus, distributed as follows:

• 15,000 TD Rewards Points† upon first purchase †
• 35,000 TD Rewards Points† upon spending $1,000 in the first three months †

The card has an annual fee of $89, which is currently rebated for the first year. † Note that, in order to receive the first-year annual fee rebate, you must activate your card and make your first purchase on the account within the first three months after account opening, and you must add any additional cardholders by September 4, 2024.

The first supplementary card on each account costs $35, and the current first-year annual fee rebate also applies to the first supplementary card. Meanwhile, additional supplementary cards are free. †

To be eligible for this offer, you must apply and be approved for the card on or before September 3, 2024.

Earning Rewards

The card’s earning rates are as follows:

• 6 TD Rewards Points † per dollar spent on eligible Expedia ® for TD purchases †
• 4.5 TD Rewards Points † per dollar spent on eligible groceries and dining purchases †
• 3 TD Rewards Points † per dollar spent on eligible recurring bill payments set up on your account †
• 1.5 TD Rewards Points † per dollar spent on all other eligible purchases †

Since TD Rewards Points can be redeemed optimally at a value of 0.5 cents per point, these are equivalent to a 3%, 2.25%, 1.5%  and 0.75% return, respectively.

Redeeming Rewards

The best way to redeem TD Rewards Points is by booking travel through Expedia ® for TD, an online travel portal operated in partnership with Expedia ® .

You can book flights, hotels, car rentals, vacation packages, and anything else that you would normally be able to book via Expedia ® . You’d apply your TD Rewards Points to the purchase at a rate of 200 points = $1, or 0.5 cents per point.

If you’d rather not book through Expedia ® for TD, you can also redeem TD Rewards Points directly against any travel purchase that you purchase with your TD Platinum Travel Visa * Card. However, the rate isn’t quite as competitive at 250 points = $1, or 0.4 cents per point.

Redeeming for statement credits or gift cards is also possible, although the rate is even less appealing at 400 points = $1, or 0.25 cents per point.

Generally speaking, you should always strive to redeem your TD Rewards Points for travel through Expedia ® for TD whenever possible, in order to maximize their value.

TD Rewards Points never expire as long as you’re a cardholder. If you cancel or switch your card to a different product, you’ll have 90 days’ time to redeem your TD Rewards Points before they go away, although you’ll lose the ability to book through Expedia ® for TD for 0.5 cents per point, and you’ll be limited to redeeming against any travel purchase for only 0.4 cents per point.

Perks & Benefits

The TD Platinum Travel Visa *  Card comes with car rental discounts at Avis and Budget: 10% in Canada or the US, and 5% internationally. †

Insurance Coverage

As an entry-level credit card, the TD Platinum Travel Visa *  Card offers a relatively basic set of insurance provisions.

Emergency medical coverage, trip cancellation insurance, and trip interruption insurance are all noticeably absent.

While flying, cardholders are covered for up to $500 in flight delay insurance† and an aggregate amount of $1,000 for lost, stolen, or delayed baggage. †

The card’s car rental insurance grants coverage for rental vehicles up to $65,000 MSRP, protecting you against unexpected costs associated with collision, damage, and theft. †

And when making purchases, the card offers extended warranty of up to one additional year†, as well as purchase protection that insures you against damage or theft of an item for up to 90 days after your purchase. †

Lastly, it also comes with  Mobile Device Insurance.  By paying for your smartphone, tablet, or smartwatch using your TD Platinum Travel Visa Card, you’ll get coverage of up to $1,000 in the event your mobile device is lost, stolen, or accidentally damaged, for up to 24 months! †

Legal Disclaimers

†Terms and conditions apply. TD Bank is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up to date information.

This card has no minimum income requirement, meaning that anyone can apply. You'll also need to be a Canadian resident, and of the age of majority in your province/territory of residence to be eligible. Follow the below link to the TD® website to learn more about this card and submit an application.

Hi, can the TD points from this card be transferred to another points like aeroplan or something else.

Also, if I make a hotel reservation and then cancel it will I get the refund as credit on the card and cash in the $ ?

I have to cancel the card and wondering what can I do with the points .

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The best credit cards for airport lounge access in Canada for 2024

Choose from a solid selection of credit cards that feature airport lounge access as part of their perks.

6 annual passes to over 1,200 lounges globally. Plus pay no forex fees when abroad. Get $50 gift card upon approval with Ratehub.ca.

4 annual passes to 1,300 lounges globally. Plus get a $50 cash bonus upon approval with Ratehub.ca.

Unlimited access to over 1,300 lounges globally (including premium centurion lounges). Plus get a $200 annual travel credit.

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers.  Learn more about our advertising and trusted partners .

By Sandra MacGregor on May 1, 2024 Estimated reading time: 13 minutes

Airport lounge access can transform an otherwise gruelling layover into a relaxing respite. Lounges may offer free snacks and drinks (including complimentary alcoholic beverages), free Wi-Fi, plentiful comfortable seating, dedicated work areas, showers, sleep pods and even spa services. It’s little wonder, then, that for many frequent fliers, lounge access is an especially coveted credit card feature. Let’s look at the lounge access cards that currently top the category in Canada.

MoneySense tip

Credit cards with airport lounge access come with an annual fee, but these fees vary significantly between cards. When searching for the perfect card, don’t get caught up on the fee alone. Knowing how much you fly in an average year, and what other travel perks you plan to make use of, will help you determine which card offers the most value.

—MoneySense editors

Best overall airport lounge access credit card

At a glance: With six complimentary airport lounge visits a year, the Scotiabank Passport Visa Infinite Card offers the most free visits among credit cards in a comparable fee range. For that reason alone, the card pays for itself. Adding to its travel-friendly allure is the fact that it’s one of the few cards in Canada that doesn’t charge a foreign transaction (FX) fee . Other cards typically charge 2.5% on purchases made in a foreign currency.

Scotiabank Passport Visa Infinite

• Annual fee: $150
• Earn rate : 3 Scene+ points per $1 spent at Sobeys stores; 2 points per $1 on groceries, dining, entertainment and transit; 1 point per $1 on everything else. Plus, pay no FX fees
• Welcome offer: earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived. Offer ends July 1, 2024.
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Point value: 1 Scene+ point = $0.01 when redeemed for travel, store purchases and food and drink at Cineplex and Scene partners
• Recommended credit score   for approval : 700 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
• Receive complimentary Visa Airport Companion Program membership, which includes six free lounge visits per year, the most free visits of any travel credit card in a similar fee range.
• No foreign transaction fees on purchases made in non-Canadian currency. 
• It’s one of the few cards that don’t make you book travel through a proprietary booking site in order to redeem points. While you can book with Scene+ Travel, you can also book travel online or with any travel agency and still redeem Scene+ points to cover the cost of your trip.
• The highest earn rate of 3 Scene+ points is only available at a few grocery retailers.
• No mobile device insurance coverage.
• Scene+ points have a lower value when redeemed for gift cards or merchandise than when used for grocery purchases and travel.

Best luxury airport lounge access card

At a glance: For Aeroplan points collectors who want an elevated airport experience, the TD Aeroplan Visa Infinite Privilege credit card can be a great travel companion. It’s packed with travel benefits like unlimited free access for you and a guest to Maple Leaf Lounges throughout North America.

TD Aeroplan Visa Infinite Privilege

• Annual fee: $599
• Rewards: 2 Aeroplan points per $1 on direct purchases with Air Canada and Air Canada Vacations, 1.5 Aeroplan points per $1 on eligible gas, grocery, travel and dining purchases, 1.25 points per $1 spent everywhere else
• Welcome bonus: You can earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card; Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening. Conditions apply. Account must be approved by June 3, 2024.
• Annual income requirement: Personal income of $150,000 or household income of $200,000
• Point value: Aeroplan points are worth $0.02 on average
• Anniversary bonus:  Plus, as an anniversary bonus, earn 25,000 Aeroplan points when you spend at least $15,000 within 12 months of opening the account. Conditions apply.
• Interest rates: 20.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances
• Other perks: Access to Maple Leaf Lounges; Nexus fee rebate of up to $100 every two years; priority check-in; priority baggage handling; priority boarding; priority airport standby; priority upgrades; access a yearly round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)

The card also comes with a complimentary membership in the Visa Airport Companion Program and includes six lounge visits, usable at over 1,200 airport lounges worldwide. You’ll really feel like a VIP at the airport with other perks like priority check-in, boarding and baggage handling, and you’ll get peace of mind with an extensive suite of travel insurance .

• Includes unlimited access to Maple Leaf Lounges for you and a guest and six free visits per year to DragonPass partner lounges.
• Take advantage of a Nexus fee rebate of up to $100 every two years.
• Comes packed with generous travel-friendly perks like priority boarding and upgrades, as well as a companion pass.
• The included travel insurance is robust—with coverage for the first 31 days of your trip if you are under 65, as opposed to the more common 15-21 days. You also get flight delay/ trip cancellation coverage, common carrier and rental car accident insurance.
• To qualify, you’ll need a high personal or household income.
• Even for a premium card with tons of perks, the annual fee is high, at $599.
• Many of the travel benefits (like priority check-in and priority boarding) only apply to flights operated by Air Canada.

Best airport lounge access card for frequent travellers

At a glance: It’s one of the most expensive premium credit cards in Canada, but the $799 annual fee gets you access to the most comprehensive and amenity-laden selection of airport lounges worldwide, including top-tier American Express Centurion Lounges. Depending on the lounge, cardholders may have an unlimited number of free visits and can also bring one companion with them at no additional cost. Cardholders can also take advantage of a yearly $200 travel credit, which essentially brings the cost of the card down to $599 as long as you make a point of using the credit.

American Express Platinum

• Annual fee: $799
• Rewards: 2 points per $1 on dining and food delivery; 2 points per $1 on travel, plus 1 additional point on purchases booked through Amex Travel Online; 1 point per $1 on everything else.
• Welcome bonus: You can earn up to 100,000 rewards points ($1,000 value). Conditions apply.
• Annual income requirement: None
• Point value: 1 Amex Membership Rewards point = $0.01 when redeemed with the Flexible Points Travel Program, $0.015 on average with the Fixed Points Travel Program, and up to $0.02 with airline points transfers
• Recommended credit score: 760 or higher
• Interest rates: N/A (as a charge card, you’re required to pay off your balance in full every month)
• The card gives you access to The American Express Global Lounge Collection, which is the largest airport lounge collection available, featuring more than 1,300 lounges in over 140 countries. Lounges include American Express Centurion Lounges, Plaza Premium and Delta Sky lounges. 
• Get a $200 credit that can be redeemed towards a travel purchase made via American Express Travel Online.
• When staying at eligible Fine Hotels + Resorts, enjoy extras like guaranteed late check-out and complimentary daily breakfast for two.
• Comes with one of the highest annual fees in Canada.
• The travel medical insurance is somewhat lacklustre for such a high annual fee—it only covers you for up to 15 consecutive days (other cards offer 20 days or more) and doesn’t offer any insurance to those who are 65 or older.
• American Express isn’t as widely accepted by retailers in Canada as Visa and Mastercard.

Best airport lounge access card for occasional travel

At a glance: If you find yourself in an airport even just a few times a year, you’ll appreciate that the BMO Ascend World Elite Mastercard offers free membership in the Mastercard Travel Pass program provided by DragonPass, plus four free passes a year. BMO also has one of the most flexible redemption programs in the country, so you can redeem your points to cover eligible travel purchases like flights, hotels and car rentals no matter what travel provider you booked with.

BMO Ascend World Elite Mastercard

• Earn rates: 5 points per $1 spent on eligible travel purchases; 3 points per $1 on dining, entertainment, and recurring bill payments; 1 point per $1 on everything else
• Welcome bonus: You can earn up to 70,000 points
• Annual income requirement: Personal income of $80,000 or household income of $150,000
• Points values: 1 BMO Rewards point = $0.0067 when redeemed for travel
• Interest rates: 20.99% on purchases, 23.99% on cash advances, 23.99% on balance transfers
• Comes with free membership in the Mastercard Travel Pass program provided by DragonPass, as well as four free passes a year. 
• Solid selection of travel insurance that includes travel medical, trip cancellation/trip interruption insurance, and delayed and lost baggage insurance.
• BMO Rewards has one of the most flexible redemption programs in the country, and you can redeem points for travel purchases without buying from a specific provider. 
• To qualify, you’ll need an annual personal income of $80,000 or a household income of $150,000.
• The card’s base earn rate of 1 BMO point per dollar comes out to a return of 0.67%, which is considerably lower than 1 % return offered by most comparable cards on generic purchases that don’t fall under a bonus category

Best airport lounge access card for travelling to the U.S.

At a glance: If you frequently cross the border to the U.S. for vacations, work trips or family visits, consider the CIBC Aventura Visa Infinite. The card includes membership in the Visa Airport Companion Program and also gives you four free lounge visits a year. Every four years, you get a statement credit of up to $100 towards a Nexus application fee.

CIBC Aventura Visa Infinite

• Annual fee: $139
• Rewards: 2 points per $1 spent on travel through the CIBC Rewards Centre; 1.5 points per $1 on gas, groceries and drugstores; 1 point per $1 on everything else
• Point value: 1 point= $0.01 on average
• Welcome bonus: You can earn up to $1,500 in value including a first year annual fee rebate.
• Perks: Visa Airport Companion Program membership with four lounge visits a year; Nexus card fee rebate ($100 value, every 4 years); out-of-province emergency travel medical insurance; flight delay and baggage insurance; purchase protection and mobile device insurance; use Journie awards to save on gas
• Includes a free membership to the Visa Airport Companion Program managed by DragonPass, as well as four free lounge visits per year.
• Flexible rewards program that allows you to redeem points for travel, merchandise, gift cards, mortgage payments and more.
• Save up to 10 cents/litre on gas at eligible gas stations if you link your card with Journie Rewards, a loyalty program that helps you earn points at Pioneer, Fasgas, Ultramar and Chevron gas stations.
• To get the highest earn rate of 2 points for every $1 spent, you must make a travel purchase via the CIBC Rewards Centre.
• The value of points decreases when they’re not used for travel.
• There is an $80,000 cap on the 1.5-point earn rate, after which you’ll only get 1 point per $1 spent on groceries, gas and drugstore purchases.

Our methodology: How we determine the best cards

The MoneySense editorial team selects the best credit cards by assessing the value they provide to Canadians across various categories. Our best credit cards for airport lounge access ranking is based on an extensive list of card details and features—with a focus on those that matter to air travellers—including the number of airport lounge visits, annual fees, interest rates, welcome offers, rewards earn rates and redemption options, annual income requirements and perks. We have also considered the pros and cons of each card to help you determine which ones best suit your financial needs. Our rankings are an unbiased source of information for Canadians. The addition of links from affiliate partners has no bearing on the results. Read more about how MoneySense makes money .

Airport lounge access programs in Canada

How to get free access to airport lounges in canada.

Several travel credit cards offer access to airport lounges for cardholders. Depending on the credit card, you can get a certain number of lounge visits every year in specific countries around the world. If you want to get free unlimited access to airport lounges, consider a credit card like the American Express Platinum Card which includes the American Express Global Lounge Collection. The card comes with a fairly large annual fee, like most credit cards with airport lounge access, but the card’s rewards and benefits may outweigh the fee if you are a frequent flier and value the ability to visit airport lounges when you’re traveling.

DragonPass vs. Priority Pass: Which should you choose?

DragonPass and Priority Pass are third-party lounge access membership providers. Up until 2022, Priority Pass was the primary partner for most Mastercard and Visa airport lounge programs. However, DragonPass has become the partner of choice for most credit card lounge access programs for cards like the TD Aeroplan Visa Infinite Privilege and the Scotiabank Passport Visa Infinite . You can still access the Priority Pass program with the American Express Platinum Card , however.

Frequently asked questions

Several different credit cards give you access to airport lounges. Select Mastercards provide membership to the Mastercard Travel Pass program, and some Visa cards offer membership to the Visa Airport Companion Program . Both Visa’s and Mastercard’s airport lounge programs are provided by DragonPass, which features access to over 1,200 lounges worldwide. The American Express Platinum card gives cardholders access to The American Express Global Lounge Collection, the largest lounge collection available.

As airport lounge access is an especially desirable perk, credit card providers generally make it obvious on their websites if they offer airport lounge access. Often, this perk is listed under “travel benefits.” The best way to make sure is to contact your provider directly and ask if it provides airport lounge access, and if any free visits are included. Note that some credit card providers give a free membership to a lounge program but don’t include any free visits. Lounge visits can cost upwards of USD$32 each, even with a membership.

More of Canada’s best  credit cards :

• Canada’s best credit cards
• Canada’s best instant approval credit cards
• Canada’s best no fee credit cards
• Canada’s best credit cards for people with bad credit
• Canada’s best travel credit cards
• Canada’s best cash back credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy.

Table of contents

• The best cards – at a glance
• The best airport lounge cards per category
• About airport lounge programs

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About Sandra MacGregor

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• How to Choose the Right Credit Card
• How to Apply for a Credit Card
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• What Is a Credit Card and Should You Get One?
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• What Are the Different Types of Credit Cards?
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• Credit Cards

TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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Due to COVID-19, certain lounges are temporarily closed, please click “Find a Lounge” for more details.

American Express Global Lounge Collection TM

Feel like you’ve arrived before you’ve even taken off

When travel calls, we answer. The American Express Global Lounge Collection TM  unlocks access to more than 1,300 airport lounges across 140 countries and counting.

• The Centurion® Lounge 1
• Plaza Premium Lounges 2
• Delta Sky Club® 3
• Airspace Lounges 4
• Escape Lounges - The Centurion® Studio Partner 5
• Priority Pass TM6 – To enrol, please call Platinum Card Service at 1-800-263-1616

As a Canadian Platinum Cardmember, you can also access the following lounges by presenting your Platinum Card: 

• Executive Lounges by Swissport TM7

Call Platinum Card Travel Service at

1-800-263-1616

Benefit Eligibility

Basic & Additional* Platinum Cardmembers

Terms & Conditions

*An additional card is a supplementary card.

1.  The Centurion® Lounge - Platinum Cardmembers have complimentary access to all locations of The Centurion Lounge. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Cardmembers may bring up to two (2) companions into many of The Centurion Lounge locations. Children under 2 years of age are not considered companions and will be admitted free of charge, provided an accompanying parent or guardian is able to produce a “lap infant” boarding pass or proof of age. Guest access policies may vary internationally by location and are subject to change. To access The Centurion Lounge, the Platinum Cardmember must present The Centurion Lounge agent with the following upon each visit: his or her valid Platinum Card or valid Supplementary Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Platinum Cardmembers will only be granted access to the lounge within 3 hours of boarding pass departure time. This does not apply to Cardmembers with a same-day connecting flight who can access the lounge any time prior to departure of their connecting flight with proof of boarding pass.  Platinum Cardmembers will not be granted access to the lounge with a boarding pass for a flight that has landed as the final destination. Platinum Cardmembers will not be compensated for changes in locations, rates or policies. The Platinum Cardmember must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Platinum Cardmember must be of legal drinking age in the location’s jurisdiction to enter without a parent or legal guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Cardmembers for accees into our lounge is not permissable. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Services and amenities in the Lounge are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice. For a complete listing of lounge locations, including guest access policies for each lounge location, visit americanexpress.ca/platinum-lounge.

2.  Plaza Premium Lounges - Platinum Cardmembers have complimentary access .to Plaza Premium Lounges. Supplementary Gold Cards on Platinum accounts are not eligible for  complimentary access. Platinum Cardmembers may bring in one (1) travel companion as a complimentary guest. Fees apply for additional guests. Guest must accompany the Platinum Cardmember. To access a lounge, Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Platinum Cardmember/guest(s).  International Plaza Premium Lounges, maximum of 2-hour stay. House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge.

3. Delta Sky Club® - The Platinum Card® Cardmember must present their valid American Express Card, government-issued I.D. and boarding pass to the Delta Sky Club ambassador. Boarding pass must show a reservation for a same-day Delta-marketed or Delta-operated flight departing from or arriving at the airport in which the Delta Sky Club is located. Name on boarding pass must match name on the Card. Eligible Cardmembers on departing flights can only access the Delta Sky Club within 3 hours of their flight’s scheduled departure time. During a layover between Delta-marketed or Delta-operated flights on the same ticket, you may use the Delta Sky Club in your connecting airport at any time during the layover. Round-trip same-day travel is not considered a layover. Delta reserves the right to limit access for non-revenue standby fliers at any Delta Sky Club. Supplementary Gold and Supplementary Green Cardmembers on Business Platinum Card accounts, and Supplementary Gold Cardmembers on Consumer Platinum Card accounts, are not eligible for complimentary access through The Global Lounge Collection benefit.  Access to Delta Sky Club partner lounges is not permitted. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to the lounge. Cardmembers must adhere to all House Rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs. Guests must also provide the club ambassador with a same-day corresponding Delta airline ticket before entering the lounge. For the most current Delta Sky Club access and pricing policy, please visit delta.com/skyclub . All Delta Sky Club rules apply to Delta Sky Club membership and use. To review the rules, please visit delta.com/skyclub . For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge .

4.  Airspace Lounges - This benefit is available to Platinum Cardmembers. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Cardmember must present his or her valid Platinum Card, government-issued I.D. and confirmed boarding pass for same-day travel. In some cases, Cardmember must be 21 years of age to enter without a parent or guardian. The Cardmember may bring up to two companions into the club as complimentary guests per visit. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change. For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge.

5.  Escape Lounges - The Centurion® Studio Partner  - This benefit is available to Platinum Cardmembers. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Cardmembers receive complimentary access to any US location of the Escape Lounges. Cardmember must present his or her valid Platinum Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Cardmember must be 21 years of age to enter without a parent or guardian. Cardmembers may bring up to two companions as complimentary guests. Cardmember must adhere to all house rules of participating lounges. Cardmembers and his or her guests will receive all of the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change. For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge.

6.  Priority Pass TM - These Terms and Conditions govern Platinum Card participation in and use of the Priority Pass program. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass lounge that admits guests, you may bring in one (1) guest for no charge.  Platinum Cardmembers will be charged for any additional guests. Additional accompanying guests are subject to a usage fee at the prevailing rate, which is subject to change without prior notice. Some lounges do not admit guests. By enroling in Priority Pass, you agree that you will be responsible for any additional accompanying guest visits and that your Platinum Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program. Once your enrolment has been processed, Priority Pass will send you a welcome package, Priority Pass card and a list of participating lounges. For details on how Priority Pass uses your personal information, please refer to their privacy policy at prioritypass.com. Once enroled, Platinum Cardmembers whose Card account is not cancelled may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass for same-day travel. In some lounges, Priority Pass member must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package and can be viewed at www.prioritypass.com. Upon receipt of your enrolment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 business days, please contact Platinum Card Service using the number on the back of your Platinum Card. Please note, Supplementary Gold Cardmembers are not eligible for membership.  Priority Pass non-lounge airport experiences such as airport dining credits are only offered in a few select locations. Select locations are subject to change. For a complete listing of Priority Pass lounge and non-lounge airport experience locations, visit americanexpress.ca/platinum-lounge.

7.  Executive Lounges TM by Swissport - Platinum Cardmembers have complimentary access to Executive Lounges by Swissport in Canada. Supplementary Gold Cards on Platinum accounts are not eligible for complimentary access. Platinum Cardmember’s spouse and 2 children under the age of 21, or one travel companion, may enter as complimentary guests. Fees apply for additional guests. Guest must accompany the Platinum Cardmember. To access a lounge, Platinum Cardmember and eligible guest(s) must show a valid, unexpired eligible Platinum Card, confirmed boarding pass for same-day travel and government-issued photo identification in the name of the Platinum Cardmember/guest(s). House rules, terms and conditions apply. Lounge access is subject to availability. Unless otherwise stated, lounge access cannot be used in conjunction with any other offer or benefit and is subject to change or cancellation at any time. Lounge locations may change from time to time. For a complete listing of lounge locations, visit americanexpress.ca/platinum-lounge.

Luxury travel for less: Your guide to free airport lounge passes

O ne of the most stressful aspects of travel involves the airport experience. When you’re not being hassled at security checkpoints, you’re spending way too much time (and money) finding reasonably priced, healthy food options and a comfortable place to relax before a flight. Airport lounges can solve these options by providing a serene and comfortable oasis amidst the hustle and bustle of busy terminals.

These exclusive spaces can run the gamut from basic to ultra-luxurious, with some even providing complimentary spa services. There are many reasons travelers pay to access airport lounges, but with the right credit card or membership, you may be able to get airport lounge passes for a steep discount—or even free. 

What is an airport lounge pass?

An airport lounge pass is a ticket or membership granting access to select airport lounges. These lounges give travelers a more comfortable environment to relax before a flight. They typically offer comfortable seating, complimentary food and drinks and high-speed Wi-Fi. The more premium lounges even offer a la carte dining options, shower suites, nap rooms, and spa services. The quality of a lounge typically corresponds to the airline it's operated by. Premium airlines like Singapore and Emirates typically offer superb lounges, especially abroad.

Meena Thiruvengadam, travel expert and founder of Travel With Meena, finds the most value in airport lounge access when traveling abroad. “Having a comfortable place to shower before a long flight, do my skincare routine or nap during a long layover makes travel feel less exhausting. And there’s nothing like getting where you’re going—or getting home—and not feeling completely wiped out.”

Can you get into an airport lounge for free?

Generally, accessing an airport lounge for free is only possible if you hold a premium class ticket or have a membership or credit card that grants you access. International business or first-class passengers often enjoy lounge access as part of their ticket benefits. Some lounges also extend complimentary access to military members in uniform. Additionally, those who have an active lounge membership can sometimes bring up to two guests without paying a fee. 

Most other travelers can gain entry to airport lounges by purchasing a day pass. These typically cost between $25-60, depending on the lounge. Some lounges are so exclusive that you can’t even pay for access but need a specific membership or credit card. The American Express Centurion lounge is a prime example, restricting access to Amex Platinum and Centurion members only. Even guests have to pay a $30-$50 fee to accompany a qualifying cardmember into the lounge unless the cardmember reaches a spending threshold. 

8 ways to get into an airport lounge  

While spending $25-60 on a lounge pass may be worthwhile to some, attaining these luxurious spaces doesn’t have to cost a thing. Credit cards, particularly those with travel-centric perks, often grant lounge passes or memberships as part of their cardholder benefits. Additionally, standalone lounge memberships or programs like Priority Pass offer a wider range of lounges across different airlines. Savvy travelers can also secure free access through elite status within loyalty programs or by booking premium cabin seats using airline miles. Here are eight ways you can secure airport lounge passes for your next trip:

Airline rewards cards 

Many airline credit cards grant cardholders access to their lounges. These cards typically carry high annual fees but include airline lounge membership, along with perks like free checked bags, priority boarding and annual credits towards airline elite status. Examples of airline cards that offer lounge access include the Citi® / AAdvantage® Executive World Elite Mastercard®, the United Club℠ Infinite Card and .

Travel rewards cards

Many premium travel rewards cards provide airport lounge access at thousands of lounges worldwide through networks like Priority Pass. Additionally, many of these cards offer annual travel credits that can be applied towards airport lounge visits, though each card is different. For example, The Platinum Card® from American Express offers $200 in annual airline fee credits, plus access to a vast lounge network that includes Amex Centurion, Escape, Lufthansa, Delta Sky Club, Plaza Premium and Priority Pass lounges. 

Elena Nikolova, founder of Muslim Travel Girl , often travels solo or with her four-year-old daughter. She recently renewed her high-annual-fee Amex Platinum Card for the lounge benefit alone: “The ability to relax, eat, drink, freshen up and not chase a child over the terminal is what makes travel enjoyable. We can't always travel in business class (although I try my best) so having a card that gives you free access even in economy and independent of an airline is what makes it worth the high fee.” Nikolova estimates she’s saved $2,000 on lounge passes in the last year alone, all while flying budget airlines sound Europe.

Priority Pass

Priority Pass is a network of over 1,400 airport lounges worldwide, including airline lounges and select restaurants. Annual memberships range from $69 to $469, with higher tier memberships including unlimited lounge visits. Priority Pass can provide excellent value for frequent travelers, though guest access comes with a $35 per-visit fee. The great news is many premium travel cards offer complimentary Priority Pass Select membership, which includes guest access. Examples of these cards include the , and Hilton Honors American Express Aspire Card.

For those who don’t have access through credit cards or memberships, many lounges offer day passes that can be purchased at the airport. These passes allow one-time access in exchange for a fee of $25-60, though the exact fee varies by lounge. Some credit cards even include annual day passes as a cardholder perk, like the United Explorer Card . Day passes are ideal for occasional travelers seeking a comfortable space during layovers or delays. 

Guest access

Some lounge memberships allow cardholders to bring guests into the lounge, free of charge. Guest access policies can vary in terms of the number of guests allowed. For example, Priority Pass Select members can bring two guests with them free of charge. The same goes for Capital One Venture X and Capital One Venture X Business cardholders, who can bring up to two additional guests into Capital One lounges without charge.

Fly international business or first class

Passengers flying business or first class on international itineraries also get complimentary lounge access. If the airline doesn’t have its own lounge, qualifying passengers will typically be directed to a partner airline’s lounge. While this seems like a far-fetched idea, premium cabin travel is actually pretty attainable through airline miles and credit card points. 

Airline elite status

Nearly every domestic frequent flyer program offers lounge access as a perk to members who achieve elite status. You don’t have to be a top-tier elite member either to take advantage of this benefit – it’s available for most mid-tier elite members on international flights:

• Alaska Airlines Mileage Plan: Complimentary lounge access for MVP Gold, Gold 75K and Gold 100K members traveling on Oneworld airlines to destinations outside of the U.S., Canada or Mexico.
• American Airlines AAdvantage: Complimentary lounge access for Platinum, Platinum Pro and Executive Platinum members traveling on international flights operated by American or partner airlines to select international destinations. 
• Delta Air Lines SkyMiles: Complimentary lounge access for Gold, Platinum and Diamond Medallion members traveling in Delta Premium Select cabins or Delta One. 
• United Airlines MileagePlus: Complimentary lounge access for  United Premier Gold, Platinum and 1K member traveling on an international Star Alliance flight.

Military members

Members of the U.S. military traveling in uniform and their families can access USO airport lounges free of charge. In addition, many domestic airlines offer complimentary lounge access to qualifying military personnel and their families. To gain access, most lounges require military members to be in uniform or present an I.D. with leave orders.

The takeaway  

Whether you’re a frequent flyer or an occasional traveler, airport lounges can vastly improve your travel experience. Lounges can elevate any trip by providing a quiet place to unwind and load up on snacks and drinks without paying outrageous airport prices. By leveraging the right credit cards and taking advantage of membership-based benefits, you can enjoy free airport lounge passes without breaking the bank.

Please note that card details are accurate as of the publish date but are subject to change at any time at the issuer’s discretion. Before applying, please contact the card issuer to verify rates, fees, and benefits.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

This story was originally featured on Fortune.com

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

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Best Hotel Credit Cards In Canada For May 2024

Updated: May 1, 2024, 10:25am

Fact Checked

Even if you only travel on occasion, hotel credit cards can unlock benefits usually reserved for frequent flyers. These perks include generous welcome bonuses , travel discounts, complimentary hotel services and flexible redemption options. Though there aren’t as many hotel branded credit cards available in Canada when compared to the U.S., many airline and, more generally, travel credit cards also have many hotel perks along with their travel benefits, making these credit cards that much more flexible for the Canadian consumer. This is why with so many more choices as to what constitutes a hotel credit card, we’ve ranked the best hotel credit cards in Canada to help you get the most rewards value for every dollar you spend.

• Feature Partner

Best Hotel Credit Cards in Canada for May 2024

Scotiabank gold american express card, american express cobalt® card, marriott bonvoy business american express card, the marriott bonvoy® american express®* card, scotiabank passport visa infinite card, american express gold rewards card, cibc aventura visa infinite privilege.

• TD First Class Travel Visa Infinite

RBC Avion Visa Infinite

The platinum card® from american express, here’s a summary of the best hotel cards, methodology, best hotel credit cards in canada, what are hotel rewards, how do hotel credit cards work, main benefits of hotel credit cards, what are credit card hotel points, major hotel loyalty programs, how to pick the right hotel credit card, who should get a hotel credit card, how to maximize hotel credit cards, frequently asked questions (faqs), advertiser's disclosure.

• Best Credit Cards
• Best Travel Credit Cards
• Best Airport Lounge Access Credit Cards
• Best Cash Back Credit Cards
• Best Credit Cards for Bad Credit
• Best Aeroplan Credit Cards

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On American Express’s Secure Website

Welcome Bonus

Up to 80,000 Marriott Bonvoy® Points

Regular APR

Up to 15,000 Membership Rewards Points

Scotiabank Gold American Express® Card

On Scotiabank’s Secure Website

Up to 40,000 Scene+ points

The Scotiabank Gold American Express® Card  gets the top spot on our list for its accelerated earn rates, generous welcome bonus and flexible redemptions on hotels and travel. It also waives foreign transaction fees when you’re spending abroad (most cards charge 2.5%).

• Earns Scene+ rewards on every purchase
• No foreign transaction fees
• Built-in travel insurance
• American Express perks like Amex Front Of The Line
• $120 annual fee
• Amex is not accepted at all locations
• Welcome bonus of up to 40,000 Scene+ points (Earn 20,000 points by making at least $1,000 in the first three months, get 20,000 points when you spend at least $7,500 in your first year). Must open card by October 31, 2023 to qualify.
• Earn 6 Scene+ points per dollar spent at select grocery stores including Sobeys, Safeway, FreshCo and Foodland.
• Earn 5 Scene+ points per dollar spent at other grocery stores, restaurants and on food delivery and entertainment.
• Earn 3 Scene+ points per dollar spent on gas, transportation and streaming services.
• Earn 1 Scene+ points per dollar spent on everything else.
• No foreign transaction fees.
• American Express perks like Amex Front Of The Line.
• Comprehensive travel insurance covers emergency medical, trip interruption, flight delays, travel accidents, rental car collision and hotel burglaries.
• Includes mobile device coverage up to $1,000.
• Includes purchase security and extended warranty protection.

The American Express Cobalt Card  has earned the titles of both best grocery credit card   and best travel credit card,   so it’s no surprise it’s a top hotel card, too. Among its benefits are a large welcome bonus, points that are easily transferable to frequent flyer and hotel programs at a 1:1 ratio and substantial travel insurance coverage.

• Exclusive benefits at over 600 hotels and resorts.
• Transfer points to frequent flyer and hotel programs.
• High annual fee of $155.88.
• No insurance for trip cancellations or interruptions.
• In your first year as a new Cobalt Cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets
• Earn 5x the points on eligible eats and drinks in Canada, including groceries and food delivery. Spend cap applies.
• Earn 3X the points on eligible streaming subscriptions in Canada
• Earn 2X the points on eligible ride shares, transit & gas in Canada
• Earn 1 additional point on eligible hotel and car rental bookings via American Express Travel Online
• Earn 1X point for every $1 in Card purchases everywhere else
• Enjoy access to hotel bookings, a room upgrade (when available), 12pm check-in and late check-out (when available), and up to $100 USD hotel credit to use on amenities when charged to the room for a stay of 2 or more consecutive nights through The Hotel Collection from American Express Travel
• Transfer points 1:1 to several frequent flyer and other loyalty programs
• Cobalt Cardmembers receive regular Perks such as bonus reward offers and access to great events
• Access Front Of The Line® Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with American Express® Experiences
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment

Marriott Bonvoy™ Business American Express® Card

Up to 90,000 Marriott Bonvoy® points

If you travel frequently for business , the Marriott Bonvoy Business American Express card comes with automatic Gold Elite Status and extra bonus categories for fuel, dining and travel purchases.

• Automatic Gold Elite Status.
• No blackout dates and points never expire.
• $150 annual fee (no first-year rebate).
• Only options for travel-related point redemptions.
• Earn up to 90,000 welcome bonus Marriott Bonvoy® points
• Earn 75,000 Welcome Bonus Marriott Bonvoy® points after you spend $6,000 on your Card in your first three months of Cardmembership.
• Plus, earn an additional 2 points for a total of 5 points on every $1 spent on eligible gas, dining and travel purchases in your first 6 months (up to 15,000 points).
• Offer ends May 6, 2024.
• Travel to new heights with the Marriott Bonvoy® Business American Express®* Card
• Earn Marriott Bonvoy points that you can redeem in a variety of ways:
• Earn 5 points for every $1 in Card purchases at participating Marriott Bonvoy hotels.
• Earn 3 points for every $1 spent on eligible gas, dining and travel after your welcome offer ends, or the cap is reached.
• Earn 2 points for every $1 spent on everything else
• Redeem points for free nights with no blackout dates at over 7,000 of some of the world’s most extraordinary hotels and resorts around the globe. Use your points for flights on some of the world’s leading airlines
• Make the most out of a full suite of business management tools that give you more control over your business – anytime and anywhere.
• Leverage your cash flow with the option of carrying a balance or paying in full each month
• Control employee expenses plus track and accumulate points on your account with Supplementary Cards, so you have an opportunity to maximize the points you earn.
• Experience the exclusive benefits of the Marriott Bonvoy® Business American Express®* Card.
• Receive an Annual Free Night Award automatically each year after your anniversary
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy Business American Express Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
• Upgrade to Gold Elite status after you charge $30,000 in net purchases to your Card each year, or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card.
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

The Marriott Bonvoy American Express Card offers annual credits and no blackout dates. However, this card mostly stands out for hotel rewards that can be redeemed at over 7,000 Marriott Bonvoy locations.

• 15 Elite Night credits each calendar year
• Earn bonus points as a Marriott Bonvoy Member
• Travel medical insurance is not included
• No annual fee waiver for new cardholders
• Travel to new heights with the Marriott Bonvoy® American Express®* Card
• Earn up to 80,000 Points:
• New Marriott Bonvoy® American Express®* Cardmembers, earn 65,000 Welcome Bonus points after you spend $3,000 on your Card in your first 3 months of Cardmembership
• Plus, earn an additional 3 points for a total of 5 points on every $1 spent on eligible travel and gas purchases in your first 6 months (up to 15,000 points)
• Offer ends May 6, 2024
• Earn 5 points for every dollar in eligible Card purchases at hotels participating in Marriott Bonvoy®
• Earn 2 points for every $1 in all other Card purchases
• Receive an Annual Free Night Award for up to 35,000 points at eligible hotels and resorts worldwide every year after your first anniversary
• No annual fee on Additional Cards
• Redeem points for free nights with no blackout dates at over 7,000 of the world’s most desired hotels
• Automatic Marriott Bonvoy Silver Elite status membership
• Receive 15 Elite Night Credits each calendar year with your Marriott Bonvoy® American Express®* Card. These can be used towards attaining the next level of Elite status in the Marriott Bonvoy program
• Enjoy an automatic upgrade to Marriott Bonvoy Gold Elite status when you reach $30,000 in purchases on the Card each year or when you combine 10 qualifying paid nights within one calendar year with the 15 Elite Night Credits from your card
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

40,000 Scene+ Points

$150 (waived in the first year)

The Scotiabank Passport Visa Infinite Card offers premium hotel perks and travel benefits in addition to no foreign transaction fees on purchases made online or outside of Canada.

• Automatic room upgrades and free Wi-Fi.
• Lower earn rates compared to other cards.
• $60,000 personal income requirement.
• Earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived
• Earn 3x Scene+ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more
• Earn 2x Scene+ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways, taxis and more)
• Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
• No Foreign Transaction Fee
• 6 Complimentary Airport Lounge Access
• Comprehensive Travel Insurance coverage
• Visa Infinite* Concierge Services
• Visa Infinite* Hotel Collection
• Visa Infinite* Dining and Wine Country program
• Rates, fees and other information are effective as of Jan.4, 2024. Subject to change.

American Express® Gold Rewards Card

Up to 60,000 Membership Rewards points

With a high earning potential and annual travel credits, the only thing holding American Express Gold Rewards Card back from ranking higher on this list is its hefty $250 annual fee.

• $100 annual travel credit
• Earn bonus points on eligible hotels and car rentals
• $250 annual fee
• Free lounge passes are limited
• Earn up to 60,000 Membership Rewards® points:
• New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
• This could add up to 60,000 points in a year. That’s up to $600 towards your next vacation
• Earn 2 points for every $1 in Card purchases for eligible travel purchases, including flights, hotels, car rentals, cruises, and more
• Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada, and 1 point for every $1 in Card purchases everywhere else
• The Card is now available in your choice of Gold or Rose Gold metal options
• Receive a $50 CAD statement credit when a NEXUS application or renewal fee is charged to your American Express Gold Rewards Card
• You have access to an annual $100 CAD Travel Credit, compliments of your American Express Gold Rewards Card. Use the credit once annually towards any single travel booking of $100 or more charged to your Gold Rewards Card through American Express Travel Online
• As a Gold Rewards Cardmember, you can receive complimentary membership in Priority PassTM – one of the world’s largest independent airport lounge programs. Escape the chaos of airports and relax in an oasis of calm and simply enjoy the fact that the travel experience has begun before your plane has even left the ground. Enrollment is required and entry fees apply
• Enjoy four (4) complimentary visits per Calendar year to Plaza Premium Lounges across Canada. Entry fees apply once complimentary visits have been used
• Charge any eligible purchase to your credit Card then log in to redeem your earned points for a statement credit
• 1 Free Additional Gold Rewards Card (a $50 value) to help you earn points faster
• Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details
• American Express is not responsible for maintaining of monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.

80,000 Aventura Points

This card offers exceptional travel benefits, but the high income requirements and annual fees bring down the card’s overall earning potential. That said, it’s only good for those who spend and travel more than the average Canadian.

• 80,000 Aventura Points as a sign-up bonus.
• $200 annual travel credit.
• High annual fee of $499.
• $150,000 personal income requirement.
• Get 50,000 Aventure Points for spending $3,000 in the first four months and 30,000 points as an anniversary bonus.
• Earn 3 points per dollar on travel purchases through the CIBC Rewards Centre.
• Earn 2 points per dollar on dining, entertainment, transportation, gas and groceries.
• Earn 1.25 points per dollar on everyday purchases.
• Save up to 10 cents per litre with Journie Rewards.
• Access benefits on luxury hotels, dining, transportation services and business class bookings.
• 6 complimentary passes per year for over 1,200 airport lounges.
• Based on average Canadian spending, Forbes Advisor estimates this card could have $384.50 in annual hotel rewards value. When you factor in the $499 annual fee, that’s -$114.50 in value.
• Travel insurance covers trip cancellations and interruptions, common carrier accidents, flight and baggage delays, auto collision loss and damage, emergency medical care and hotel burglary.

TD First Class Travel® Visa Infinite* Card

Up to $800 in value†

$139 (fee rebated in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Think of the TD First Class Travel Visa Infinite Card as a cheaper step down from its higher-flying cousins on this list. Packed with travel benefits, but lacking a heavyweight rewards program, this card is really aimed at frequent fliers rather than high spenders who also like to travel.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

35,000 Avion points**

Even though the RBC Avion Visa Infinite has limited earning potential, it offers multiple redemption options on travel, merchandise and statement credits.

• No blackout periods or seat restrictions.
• Extensive travel insurance.
• Limited earning potential.
• Poor return outside of airline partners.
• Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
• Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
• Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
• Avioners earn points that never expire so your points will be waiting for your next adventure.
• Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and
• Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
• Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
• Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
• Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
• Get access to RBC offers which provides access to earn points faster at specified brands
• Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
• Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
• Avioners no longer need 14-days to book travel using the RBC grid
• Get a 12-month complimentary DashPass subscription± – a value of almost $120
• Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card
• Get a 12-month complimentary DashPass subscription18 – a value of almost $120

Up to 100,000 bonus Membership Rewards points

30% due in full or 20.99% (flexible payment option)†

Credit Score Description (score range)

Good/Excellent

For a steep annual fee, the American Express Platinum Card offers exclusive access to hotel loyalty programs and benefits that offer an average value of $600 at over 1,500 participating hotels and resorts. However, for average spending, this cards fee does cancel out its earning potential, so it’s best used only by big spenders and those who can seriously benefit from its travel perks.

• Fast-tracked status with multiple hotel loyalty programs
• No pre-set spending limit
• $799 annual fee (no first-year rebate)
• Must pay statements in full to get lower interest rates
• Unlock special experiences with the Platinum Card®
• Earn up to 100,000 Membership Rewards® points – that’s up to $1,000 towards a weekend away
• New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
• Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership
• Earn 2 points for every $1 in Card purchases on eligible dining and food delivery in Canada, 2 points for every $1 in Card purchases on eligible travel, and 1 point for every $1 in all other Card purchases
• Access a $200 Annual Travel Credit through American Express Travel Online or Platinum® Card Travel Service
• Enjoy a $200 Annual Dining Credit at some of Canada’s best restaurants
• Unlock $200 or more in additional value with Member extras. You can earn statement credits for qualifying purchases with participating brands
• Take full advantage of The American Express Global Lounge CollectionTM which unlocks access to over 1,300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience
• Enjoy flexible ways to use your points such as statement credits for any eligible purchase charged to your Card, new travel purchases booked on American Express Travel Online through the Flexible Points Travel Program, and eligible flights through the Fixed Points Travel Program
• Enjoy complimentary benefits that offer an average value of $600 USD at over 1,500 extraordinary properties worldwide when you book Fine Hotels + Resorts
• Enjoy premium benefits at the Toronto Pearson Airport
• You will also have access to many leading hotel and car rental companies’ loyalty programs. Our partners include Marriott International, Hilton Hotels and Resorts, Hertz and Avis
• Interest applies in accordance with your Cardmember Agreement, Information Box, and Disclosure statement if the total New Balance is not paid by the Payment Due Date each month. All payments must be received by the Payment Due Date shown on the monthly statement
• American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonus, and other rewards and features. Keep in mind what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The Scotiabank Gold American Express Card offers high earn rates for those who spend a lot on groceries, dining, entertainment and fuel.

Rewards: Get 6 points per dollar at select grocery stores, 5 points per dollar on other groceries, dining, food delivery and entertainment purchases, 3 points per dollar on fuel, transportation and streaming services and 1 point per dollar on all other purchases.

Welcome Offer: 40,000 Scene+ points (Earn 20,000 points by making at least $1,000 in the first three months, get 20,000 points when you spend at least $7,500 in your first year). Must open card by October 31, 2023 to qualify.

Annual Fee: $120

Other Benefits and Drawbacks: This card includes flexible rewards on hotel and travel purchases with no blackout dates or foreign transaction fees. Accelerated earn rates will drop to 1 point per dollar for all bonus categories after reaching the $50,000 annual spending limit.

———————————————————————————-

The American Express Cobalt® Card can maximize the earning potential on everyday purchases to claim extra travel benefits and hotel credits.

Rewards: Earn 5 Membership Rewards per dollar spent on groceries (up to $30,000 annually), 3 Membership Rewards points per dollar spent on eligible streaming subscriptions in Canada, 2 Membership Rewards points per dollar spent on rideshares, transit and gas in Canada 1 Membership Rewards point per dollar spent on all other eligible purchases and 1 additional Membership Rewards point for every dollar spent on eligible hotel or car rental bookings made with American Express Travel.

Welcome Offer: In your first year as a new Cobalt cardmember, you can earn 1,250 Membership Rewards® points for each monthly billing period in which you spend $750 in net purchases on your Card. This could add up to 15,000 points in a year. That’s up to $150 towards a weekend getaway or concert tickets

Other Benefits and Drawbacks: Cardmembers will receive a one-category room upgrade and a hotel credit worth up to $100 for one room per stay. While the elevated earn rates help offset the high annual fee, they are only available on purchases in Canada.

The Marriott Bonvoy Business American Express Card is a solid business card for travel rewards with versatile points and no blackout periods.

Rewards: Get 5 points per dollar at Marriott Bonvoy hotels, 3 points per dollar on gas, dining and travel and 1 point per dollar on everything else.

Welcome Offer: Earn 55,000 Welcome Bonus Marriott Bonvoy® points after you charge $1,500 in purchases to your Card in your first 3 months of card membership.

Annual Fee: $150

Other Benefits and Drawbacks: This card’s annual free hotel stay and Elite Night credits can quickly recoup the annual fee. Some airlines even off a 3:1 ratio on point transfers. The value of points fluctuates with demand, so you may need more points to book trips during peak season.

The Marriott Bonvoy® American Express®* Card is an excellent option for travellers who frequently stay at Marriott hotels and resorts.

Rewards: Collect 5 points per dollar on eligible purchases at Marriott Bonvoy Hotels and 2 points per dollar on everyday purchases.

Welcome Offer: Earn 50,000 Membership Rewards points after you charge $1,500 in purchases to your Card in your first three months of Cardmembership. Subject to change at any time.

Other Benefits and Drawbacks: Additional perks include complimentary Marriott Silver Elite Status, hotel credits and special events access. There is no coverage for medical care or flight cancellations , so you will need to pay extra for this while travelling.

The Scotiabank Passport Visa Infinite Card is a convenient way for international travellers to save on foreign currency exchange fees .

Rewards: Earn 3 points for every dollar at eligible grocery stores and 2 points for every dollar on dining, entertainment, daily transit and purchases at other grocery stores.

Welcome Offer: Claim 30,000 Scene+ Points on $1,000 in eligible purchases during the first three months and 10,000 bonus points for spending $40,000 during the first year.

Other Benefits and Drawbacks: Domestic travellers will likely earn better rewards with other premium hotel credit cards. For those who travel abroad, the money saved with no foreign transaction fees can cover the cost of the annual fee in just a couple of trips.

The American Express Gold Rewards Card makes it easy to earn rewards on everyday purchases and convert points for travel perks and credits.

Rewards: Collect 2 points per dollar on hotels, flights, car rentals, travel, fuel, groceries and drugstore purchases and 1 point per dollar on all other purchases.

Welcome Offer: Get up to 60,000 Membership Rewards® points; New Cardmembers earn 5,000 Membership Rewards® points in each monthly billing period when you spend $1,000 in net purchases on your Card, this could add up to 60,000 points in a year. That’s up to $600 towards your next vacation.

Annual Fee: $250

Other Benefits and Drawbacks: Beyond the lucrative welcome offer, this card offers a $100 annual travel credit. Staying two consecutive nights at eligible hotels also earns a $100 credit for amenities and a room upgrade. The rewards value is high, but there are other hotel cards with better earn rates.

The CIBC Aventura Visa Infinite Privilege Card is best suited for active Aventura points collectors who qualify for the income requirements.

Rewards: Earn 3 points per dollar on travel, 2 points per dollar on dining, entertainment, transportation, gas and groceries and 1.25 points per dollar on everyday purchases.

Welcome Offer: Collect 50,000 Aventure Points for $3,000 in eligible spending during the first four months and 30,000 points as an anniversary bonus.

Annual Fee: $499

Other Benefits and Drawbacks: The initial bonus is high for a premium card, in addition to offering free lounge passes and a $200 annual travel credit. Cardholders will have to use all of the available perks to make the annual fee and income requirements worth it.

The TD First Class Travel Visa Infinite Card is ideal for those who want multiple redemption options for flights, hotels, gift cards and statement credits.

Rewards: Earn 8 TD Rewards Points † for every dollar you spend when you book travel through Expedia® For TD. Earn 6 TD Rewards Points†  for every dollar you spend on groceries and restaurants. Earn 4 TD Rewards Points† for every dollar you spend on regularly recurring bill payments set up on your account. Plus, earn 2 TD Rewards Points† For every dollar you spend on other purchases made using your card. Also earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.

Welcome Offer: Earn up to 100,000 TD Rewards Points. Earn 20,000 TD Rewards Points when you make your first purchase with your card and 80,000 TD Rewards Points when you spend $5,000 within 180 days of account opening.† Terms and conditions apply. Not available for residents of Quebec. Account must be approved by June 3, 2024.

Annual Fee: $139 (Get an annual fee rebate in the first year, account must be approved by June 3, 2024)

Other Benefits and Drawbacks:  This card has extensive insurance and a strong return on travel purchases booked through Expedia. However, point values drop on other redemption options.

The RBC Avion Visa Infinite Card is a low-maintenance card for casual travellers who prefer flexible redemption options.

Rewards: Collect 1 Avion point per dollar, plus an extra 25% on eligible travel purchases.

Welcome Offer:  Get 35,000 Welcome Points on approval. Apply by January 21, 2024.

Other Benefits and Drawbacks: This card earns points at a much lower rate than other hotel credit cards. However, members can convert points during a transfer bonus to get more value with loyalty programs, including WestJet dollars and Hudson’s Bay Rewards.

The American Express Platinum Card offers excellent value for frequent travellers with high spending.

Rewards: Collect 2 points for every dollar on eligible dining and food delivery, 2 points per dollar spent on eligible travel and 1 point per dollar on everyday purchases.

Welcome Offer: New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership. Plus, earn 30,000 points when you make a purchase between 14 and 17 months of Cardmembership.

Annual Fee: $799

Other Benefits and Drawbacks: The bulk of this card’s value lies in its automatic upgrades, premium travel benefits and complimentary hotel services. Although, this card is only worth it if every dollar you spend makes its way back into your pocket, including the $799 annual fee.

Data research and analysis by Tia Duncombe and Debra Toews.

Simply put, many major hotel chains have loyalty programs to entice repeat customers. Most of those loyalty programs have an affiliated credit card—just like how you can have an Optimum Points card and a PC Financial Mastercard that earns them, too. By spending with your “hotel” card, some of which are broader travel reward programs that offer hotel perks, you can earn points and perks at that hotel chain or travel program.

There is quite a bit of overlap between the best hotel credit cards in Canada and the best travel reward credit cards, simply because they both offer rewards pertaining to travel—and of course, a hotel stay is part of that experience. While every program is different, both rewards cards earn points that are redeemable for travel expenses, including hotel stays. Hotel credit cards often offer a favourable redemption rate for hotels, meaning that you can redeem your points for great value at a selection of hotels affiliated with the brand. For example, with a hypothetical reward program, 100 points could translate to $1 in gift card or airfare value, but $1.50 at a select hotel chain.

Every hotel credit card differs, but there are a few benefits that seem to be a throughline in the category. Often, the types of benefits hotel credit cards can offer include:

• Increased points earnings: Hotel loyalty credit cards will often offer you more points per dollar when you spend at the associated hotel chain.
• Status upgrades: Often, hotel loyalty programs will have a tiered structure indicating member status. Each tier usually brings a bump in perks that can range from room upgrades to free breakfast. Some hotel cards offer ways for you to quickly move up in tiers, while others offer an automatic bump in status for getting the card and/or spending a certain amount per year.
• Annual free award night: Many hotel credit cards will offer you a free stay once per year as a reward.
• Travel insurance coverage: Many hotel credit cards are tailored to travellers (or overlap with a travel rewards card). Naturally, travel insurance coverage is included in this, and can range from emergency medical and common carrier insurance, to hotel/motel burglary insurance, trip delay and cancellation, and lost or delayed baggage.
• Airport lounge access: Many hotel credit cards offer airport lounge access, with a number of free or discounted visits per year.

Credit card hotel points are similar to most credit card reward points—you’ll earn them on most (if not all) your purchases, and often at a higher rate per dollar spent in a particular category. They can be redeemed in a variety of ways. With hotel credit card points in particular, they can usually be earned at a more favourable rate when spending at that hotel chain in particular, and can be redeemed there too. Most can also be transferred to other loyalty or frequent flyer programs, some at a 1:1 ratio.

Two well-known hotel loyalty programs are Marriott Bonvoy and Hilton Honours.

Marriott Bonvoy

Marriott Bonvoy is the loyalty program for Marriott Hotels, which include The Ritz Carlton, JW Marriott, Sheraton, Delta Hotels, Westin, Four Points and more. The program can be joined for free, but is also included with certain co-branded credit cards (including business cards) that earn even more Marriott points.

All members of this program get discounted rates on hotels, free Wi-Fi and points toward free nights. Those who stay at the hotels under this brand’s umbrella can eventually earn elite status, meaning they get even more benefits like late checkout, free breakfast and more.

You earn points either through hotel stays or credit card spending. Once you earn enough points, you can redeem them for free award nights, travel packages, flights, merchandise, gift cards and car rentals. You can also transfer points to airline partners.

Hilton Honours

Hilton Honors is the Hilton hotel chain’s loyalty program, which includes hotels like Hampton, Embassy Suites and Doubletree. Like Marriott Bonvoy, you can sign up for free or through a co-branded credit card to start earning points, though they don’t currently offer a credit card in Canada. You earn points by spending at Hilton hotels, with partners or by spending on your Hilton co-branded credit card.

Once you are a member, you can begin to level up to different tiers of membership, achieving Silver, Gold or Diamond status. With just a membership, you get perks like free Wi-Fi and a discounted rate. Even Silver members get their fifth hotel night free, and the perks increase with each tier of membership, eventually including things like executive lounge access and room upgrades.

Choosing a Hotel

The first step in choosing a hotel credit card is determining which hotel brand would work best with where you want to travel, or travel most often. Many hotel brands are chains that have thousands of locations worldwide, so if you tend to travel more broadly, those brands might be more beneficial to your needs.

What is a sign-up bonus?

Some cards offer sign-up bonuses for new cardholders. Often, these offers mean earning a number of points just for signing up or spending a certain amount within a period of time. Many often waive the annual fee as well.

What is an earning rate?

An earning rate is the number of points you earn per dollar spent on the card. These earning rates can vary by spending category. With hotel cards, they typically earn you more points at the specified hotel chain or partner brands.

Other Benefits

Other benefits, like award nights, travel insurance, lounge access and status upgrades are common among hotel cards.

Related : Best credit cards to have in Canada

If you’re a frequent traveller who has a preference for a particular hotel brand (or chain of hotels), you should consider a hotel credit card to meet your needs, earn points and offer perks.

If you’re planning to do a lot of travelling, you might want to maximize your hotel credit card to get the most value. This would involve earning points at a solid rate, as well as getting as many free award nights and upgrades as possible.

If you want a card that gives you free nights faster, choose the Marriott Bonvoy® American Express®* Card, since you’ll get one free award night per year. You’ll also get 15 Elite Night Credits each calendar year that can help you achieve elite status faster. The business version of this card, Marriott Bonvoy™ Business American Express® Card, has the same offer, too.

That said, it might be better to pick a card that aligns well with your spending habits, as that will earn you the most points in the long run.

Which American Express card is best for hotels?

The American Express Platinum Card is the best option for luxury hotel benefits like automatic room upgrades, late check-out and free amenities unique to each property.

Is it better to book a hotel with a credit card?

Most hotels require a credit card on file for cancellations and damages. Using a credit card to book a hotel can also earn rewards and discounts.

What credit score do you need for a hotel credit card?

Credit scores between 660 and 900 are generally considered good, very good or excellent. Some hotel credit cards will accept scores starting at 600, while others require scores over 740.

Which credit card gives discounts on hotels?

The Marriott Bonvoy® American Express®* Card automatically gives you Marriott Bonvoy Silver Elite status, giving you access to member rates, among other perks.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Candice Reeves is a financial writer based out of Nova Scotia. She specializes in personal finance, investing, and cryptocurrency. Her work is featured in leading publications across various industries, including Wealth Rocket, CryptoVantage, and StackCompare.

RCBC, Sumitomo Mitsui enter partnership for airport lounge access

The Yuchengco Group’s Rizal Commercial Banking Corporation (RCBC), through RCBC Credit Cards, has teamed up with Sumitomo Mitsui Financial Group, Inc. (SMBC Group) to provide RCBC Credit Card Mastercard and Visa premium cardholders access to 49 Lounges at 34 Airports in Japan.

In a statement, RCBC said this collaboration marks a significant milestone in enhancing the travel experience for RCBC Credit Card holders, offering unparalleled comfort and convenience during their travel to Japan.

Subject to a qualifying spend, RCBC Credit Card World, Infinite, Platinum Mastercard, and Visa cardholders, including cardholders of co-brand, ZALORA, will gain access to a network of 49 airport lounges located in major airports across Japan, including Narita International Airport, Haneda Airport, and Kansai International Airport, among others. 

Lounge amenities include comfortable seating, complimentary refreshments, Wi-Fi, and dedicated assistance to ensure a seamless travel experience.

SMBC Group is Japan's top tier financial institution renowned for its exceptional customer service and innovative offerings.

"We are excited about this collaboration and what it has to offer our valued RCBC Credit Card holders. This partnership underscores our commitment to providing our esteemed clients with exclusive privileges and superior experiences that add value to their lives,” RCBC Credit Cards President and CEO Arniel Vincent B. Ong said.

SMBC Group Head of the Asia Growing Markets Department Nobuhide Yokogaki said that, “As SMBC Group, through the partnership with RCBC, our enthusiasm to support and serve better the financial needs of the Filipino consumers is undoubtedly an endless journey.”

“This announcement marks the very beginning of it and we look forward to continuously sharing further advancements in the near future,” he added.

To kickstart this enhanced travel experience in Japan, from April 15 to July 15, 2024, principal cardholders will enjoy free access to the participating lounges by simply presenting their eligible RCBC Credit Card at the lounge entrance. 

No prior reservation is required, allowing travelers to relax and unwind before their flights with ease.

“Japan is a top destination for our cardholders so we’d like their travel to be truly exceptional through their RCBC Credit Card,” Ong added.

RCBC Credit Card is one of the Philippines' fastest-growing issuers.  Its year-end receivables grew 48percent from P50.4 billion in December 2022 to P74.7 billion in December 2023, fueled by a 45 percent increase in credit card spending, reaching P139.4 billion from P96.3 billion in 2022, and credit cards in force reaching 1 million.  

It also received international accolades including Credit Card of the Year - ASEAN at the Global Retail Banking Innovation Awards 2023, Best Credit Card Initiative – Highly Commended at the Retail Banker International Asia Trailblazer Awards 2023, and Outstanding Digital CX at the Digital CX Awards 2023.

Moreover, the Asian Banking & Finance Awards 2023 honored RCBC Credit Cards with the Credit Card Initiative of the Year - Philippines award.  

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TD First Class Travel® Visa Infinite* Card

• Annual Fee $139
• Interest: Purchases 20.99%
• Interest: Cash Advances 22.99%
• Additional Cardholder 2 $50

$50  for the first Additional Cardholder; $0  for subsequent Additional Cardholders.

• $60,000 personal or $100,000 household annual income.
• You are a Canadian resident and are of the age of majority in your province/territory of residence

Limited Time Offer

Earn up to  $800  in value 18  including up to 100,000 TD Rewards Points, no Annual Fee for the first year 1  and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card 1 .
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening 1 .
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points 22 .
• Get an annual TD Travel Credit 23  of $100 when you book at Expedia ®  For TD.
• Get an Annual Fee Rebate for the first year 1 .  

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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

At a glance

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Your Card also allows you to enjoy:

• An annual TD Travel Credit  23  of $100 when you book at Expedia ®  For TD.
• TD Rewards Birthday bonus 22  that helps you celebrate in style.
• An extensive suite of travel insurance coverages which helps you travel prepared.
• No travel blackouts 5 , no seat restrictions 5  and no expiry 25  for your TD Rewards Points as long as your account is open and in good standing.

Every Purchase Counts

Earn 8 TD Rewards Points 19

for every $1 you spend when you book travel through Expedia® For TD 6

Earn 6 TD Rewards Points

for every $1 you spend on Groceries and Restaurants 20

Earn 4 TD Rewards Points

for every $1 you spend on regularly recurring bill payments set up on your Account 20

Earn 2 TD Rewards Points

for every $1 you spend on other Purchases made using your Card 21  plus earn an annual  Birthday Bonus 22  of up to 10,000 TD Rewards Points

Recurring Bill Payments, Groceries and Restaurants (Yearly spend cap of $25,000 each)

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

Credit Card Reward Perks

Use TD Rewards Points at Expedia For TD

Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals. Conditions apply.

Earn more at Starbucks

Link your eligible Card to earn 50% more TD Rewards Points and Stars. Redeem points for even more Stars. Conditions apply.

Use TD Rewards Points at Amazon.ca

Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Redeem your TD Rewards Points how you want, for what you want 

Every purchase you make with your TD Rewards Credit Card earns you TD Rewards Points. With the flexibility to choose how to redeem your TD Rewards Points for the rewards you want, you can use your points on everyday perks, eGift cards, education credits, cash credits or travel. Learn more .

More Card Benefits and Features

Td rewards program benefits.

TD First Class Travel Credit Card helps you earn big while you do all the things you normally do. And since you never slow down, the rewards can add up quickly. This lets you redeem for how and what you want with the flexibility to treat yourself with a wide variety of rewards options.

• Go Places on Points Your Points are worth more when you redeem through Expedia® For TD:  Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 3  your TD Rewards Points towards your travel purchase right away. Or Book Any Way 3 :  You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Financial Rewards Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Travel Benefits

Explore the travel benefits and insurance coverages included with your Card:

• $100 TD Travel Credit 23 Each year, you will receive one  $100.00  TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Travel Medical Insurance 7 Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Flight/Trip Delay Insurance 8 Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Trip Cancellation/Trip Interruption Insurance 9 For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Common Carrier Travel Accident Insurance 10 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
• Emergency Travel Assistance Services 11 Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• Delayed and Lost Baggage Insurance 8 Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Auto Rental Collision/Loss Damage Insurance 12 Coverage up to 48 consecutive days
• Check your TD credit card travel insurance benefits Learn about what travel insurance benefits are available on your TD credit card with our  Credit Card Travel Insurance Verification Tool .
• Hotel/Motel Burglary Insurance 24 Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to each Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the  Benefit Coverages Guide  for more details.

Additional Benefits & Features

• TD Payment Plans Easily turn purchases of $100 or more into manageable 6, 12 or 18 month Payment Plans. Conditions apply.  Learn more .
• Save with Avis Rent A Car and Budget Rent A Car Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates 13 , 14  in Canada and the U.S., and a minimum of 5% off the lowest available base rates 13 , 14  internationally, on qualifying car rentals at participating Avis and Budget locations.
• Use Apple Pay , Google Pay or Samsung Pay wherever contactless payments are accepted -  These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for everyday business payments with just a tap of your device.

Visa Infinite Benefits

• Complimentary Visa Infinite Concierge 26 : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-888-853-4458 From outside Canada and the U.S.: 1-630-350-4545
• Visa Infinite Luxury Hotel Collection 27 : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Visa Infinite Dining Series 27 : As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
• Visa Infinite Wine Country Program 27 : Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
• Visa Infinite Entertainment Access 27 : Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival ®
• Visa Infinite Troon Golf 27 : Receive elevated Troon Rewards ®  Silver Status at over 95 courses and 10% off on green fees, merchandise and lessons at participating Troon Rewards golf courses.
• Mobile Device Insurance 24 Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
• Chip & PIN technology: TD  Visa *  Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A required PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card.
• Purchase Security and Extended Warranty Protection 15 : You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer's warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.
• Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
• Instant Alerts. Added convenience, with TD Fraud Alerts: You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD First Class Travel ® Visa  Infinite * Card, or on any Additional Cardholder's card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile.  Learn more .
• Manage your credit card in the TD app Set transaction limits, block international purchases or lock your credit card.  Learn more .

Optional Benefits

• Optional TD Credit Card Payment Protection Plan 17 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call  1-866-315-9069  or visit  tdcanadatrust.com/BP .
• Option to purchase TD Auto Club Membership 16  and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.

Frequently asked questions

Why should you get a travel rewards credit card.

Do you love to travel? Then a travel rewards card may be perfect for you. These credit cards offer cardholders great value with travel Reward Points earned on eligible purchases that can later be redeemed to pay for flights and other travel related expenses. But, that’s just the start. The TD First Class Travel Visa Infinite* Card also lets you redeem TD Rewards Points on Amazon.ca with Shop with Points.

How do you earn TD Rewards Points?

Earn Points on your TD First Class Travel Visa Infinite Card with travel bookings, a meal at a restaurant, shopping and on everyday purchases. You can get started with welcome bonus TD Rewards Points if approved for this Card. In addition to earning 2 TD Rewards Points on every purchase, you can use this travel rewards card to make travel purchases through Expedia ®  for TD to earn 8 TD Rewards Points for each dollar spent. You can also earn 6 TD Rewards Points each for every dollar spent on grocery and restaurant purchases and earn 4 TD Rewards Points for every dollar spent in recurring bill payments. Your TD Rewards Points don’t expire as long as you are a TD First Class Travel Visa Infinite *  Cardholder.

How do you redeem TD Rewards Points?

Redeem your TD Rewards Points to book your next trip, for shopping and more. You can redeem your TD Rewards Points when you book travel online through Expedia for TD. This can help to make your travel more affordable. You can also use your TD First Class Travel Visa Infinite Card to book travel with any other travel provider. For shopping, you can redeem your TD Rewards Points for eligible products on Amazon.ca with Amazon Shop with Points or choose merchandise on TDRewards.com. You can also redeem TD Rewards Points to pay your credit card’s account balance on the TD app or EasyWeb.

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Annual interest rates, fees and features are current as of March 5, 2024 unless otherwise indicated and subject to change.

• $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
• $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
• $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
• Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
• Additional Bonus of 80,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $400);

2  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Rewards Program Terms and Conditions ("Travel Terms") contained in the TD Travel Credit Cardholder Agreement for your Card. The Travel Terms are available on tdcanadatrust.com/agreements. We can decrease the required minimum TD Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia For TD, Cardholder must contact the TD Travel Rewards Program or visit www.tdrewards.com after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

4  The Toronto-Dominion Bank and its affiliates are not liable or responsible for the products, goods or services offered or made available by third party retailers through tdrewards.com.

5  Subject to carrier/space availability.

6  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.

7  Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, than the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top-up with.

8  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated TD Reward Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

9  Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

10  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

11  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

12  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver coverage must be declined by the Cardholder. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

13  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

14  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

15  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

16  TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

17  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

19  Earn 8 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD or travel made by phone through Expedia For TD (“Phone Travel Purchases”) (“Online Travel Purchases”) and charged to your TD First Class Travel® Visa Infinite* 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.

20  Earn 6 TD Rewards Points ( “Grocery Rebate" & "Restaurant Rebate” ) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases” ) and for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”). Earn 4 TD Rewards Points (“ PAP Rebate ”) 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 First Class Travel® Visa Infinite* Card (“ Account ”) and that are classified through the Visa network as “recurring payments” (“ Pre-Authorized Payments ”). Rebates are only available to a $25,000 maximum net annual spend (“ $25,000 Cap ”).  $25,000 Cap : Once the $25,000 Cap has been reached for either Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments then any further Grocery Purchases, Restaurant Purchases, or Pre-Authorized Payments 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 TD Rewards Program Terms & Conditions (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate : Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes : To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472.  Other Conditions : Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

21  Earn 2 TD Rewards Point (“Standard Rebate”) on every $1 on all other Purchases (“Other Purchases”) charged to your TD First Class Travel® Visa Infinite* 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.

22  The TD Rewards Birthday Bonus applies only to the Primary Cardholder of a TD First Class Travel® Visa Infinite*Card. Each year, you will receive a TD Rewards Birthday Bonus (“Birthday Bonus”) on your TD First Class Travel® Visa Infinite* Account, equal to 10% of the total number of TD Rewards Points earned over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. The TD Birthday Bonus is only calculated on points earned while using your current First Class Travel Account. This means that previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do no count towards your Birthday Bonus. The account must be open & in good standing on the date points are awarded to qualify.

23  In order to receive the TD Travel Credit, the Account must be open, active and in Good Standing. An Eligible Travel Credit Purchase means:

• A Hotel, Motel, Lodging, or Vacation Rental Purchase of $500.00 CAD or more made with Expedia For TD; or • A Vacation Package Purchase of $500.00 CAD or more made with Expedia For TD, that includes a Hotel, Motel, Lodging or Vacation Rental booking packaged with a transportation booking. See your TD Rewards Program Terms and Conditions for more details.

24  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®.

®Assurant is a registered trademark of Assurant, Inc.

25  TD Reward Points do not expire as long as you are a Cardholder.

26  The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

27  You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to  complete terms and conditions , including third-party suppliers’ terms and conditions. The  Visa Infinite privacy policy  applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively  “Starbucks Marks” ).

If you exceed your annual spend cap, you'll continue to earn TD Rewards Points at the standard base earn rate on all additional purchases made in that category.