td business travel visa card

TD Business Travel Visa* Card review

• Rates & Fees

9 Earn 9 TD Rewards Points for every $1 you spend using ExpediaForTD.com

6 Earn 6 TD Rewards points for every $1 in foreign currency purchases and at restaurants and on recurring bills

2 Earn 2 TD Rewards Points for every $1 spent on all other purchases.

50% Earn 50% more TD Rewards Points at Starbucks when you link your card with your Starbucks account.

$149 Annual Fee Waived in the first year. Additional cards: $49

19.99% Purchase APR

22.99% Cash Advance APR

2.50% Foreign Transaction Fee Earn 6 TD Rewards Points for every $1 on Foreign Currency purchases

Very Good Recommended Credit Score

By Tyler Wade

Updated: March 26, 2024

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The TD Business Travel Visa* Card is a powerhouse for Canadian businesses, especially if you love to (or have to) travel. With a slew of benefits, from high rewards rates on Expedia bookings to comprehensive insurance coverage, it's a card that demands attention. But like all cards, it's not without its drawbacks. Let's dive deep and see if this card is the right fit for you.

Pros and cons

High rewards rate : Earn up to 9 TD Rewards Points per $1 on travel bookings through ExpediaForTD.com.

Flexible redemption : No blackout dates or seat restrictions.

Comprehensive insurance : From travel medical to car rental coverage.

Special offers : Lucrative welcome bonuses and limited-time offers.

Annual fee : A $149 annual fee, though it's rebated in the first year.

Welcome bonus

Before January 3, 2024, new cardholders can earn a whopping 175,000 TD Rewards Points, equivalent to a travel value of up to $875 when booked through ExpediaForTD.com.

• Welcome Bonus of 30,000 TD Rewards Points upon the first purchase.
• Earn up to 120,000 TD Rewards Points when spending $2,500 each month for the first 12 months.
• Earn up to 25,000 TD Rewards Points by setting up new regularly recurring bill payments (maximum two).
• You can earn 30,000 more rewards by becoming a TD Small Business Banking customer when you open an Every Day Business Plan (A, B, C, or TD Unlimited Business Plan between now and October 31, 2023. 
• And another 30,000 TD Rewards points if you’re approved for the TD Business Travel Visa* Card within 120 days of opening a new Business Chequing Account and process at least one transaction within the first 90 days. 
• Full Annual Fee rebate for the Primary Cardholder and first two additional cardholders for the first year (a value of up to $247). Total value of $1,240.
• Plus, TD is throwing in a 12-month Uber One membership ($120 value).

This card shines with its earn rates:

• 9 TD Rewards Points for every dollar spent on ExpediaForTD.com bookings.
• 6 TD Rewards Points for every $1 spent on foreign currency purchases, restaurant expenses and recurring bill payments.
• 2 TD Rewards Points for every $1 spent on all other eligible business purchases.

TD Business Travel Visa* Card key benefits

• Enjoy no travel blackouts, no seat restrictions, the freedom to book through any agency, and the ability to use points to cover taxes and fees on travel bookings.

TD Business Travel Visa* Card Insurance coverage

The TD Business Travel Visa* Card offers a robust insurance package:

• Travel medical insurance : Up to $2 million coverage for the first 15 days of your trip.
• Travel accident insurance : Up to $500,000 for covered losses.
• Trip cancellation/interruption : Up to $1,500 per person for cancellations and maximum of $5,000.
• Flight/trip delay insurance : Up to $500 towards hotel and restaurant expenses. 
• Lost or stolen baggage : Coverage up to $1,000 per trip.
• Car rental coverage : 48 consecutive days of coverage for auto rental collision/loss damage up to $65,000 MSRP.
• Purchase security : On most items for 90 days from purchase date against loss or damage. 
• Extended warranty protection : Automatically extends manufacturer’s warranty.
• The Visa SavingsEdge program offers sweet deals to grow your business on brands like Amazon Business, Budget Rent-a-car, Google Ads, Constant Contact, UPS, Zendesk and more. 
• Get a free 12-month Uber One membership, valued at $120.
• Get your Starbuck ® fix - earn more at Starbucks ® by linking the card to earn 50% more TD Rewards Points and Stars.
• Save a minimum of 10% on the lowest available base rates in North America with Avis and Budget. 
• Redeem your TD Rewards Points towards business purchases at Amazon.ca.
• Access TD Card Management Tool to redistribute available credit among cardholders, set restrictions on spend type, temporarily turn a Card on or off, track employees spending with up to 18 months of business transaction data and more. 

How the TD Business Travel Visa* Card compares

The TD Business Travel Visa* Card falls into the travel and foreign transaction category. When considering such cards, it's crucial to compare features, fees and benefits to ensure you're getting the best value.

TD Business Travel Visa* Card Vs TD First Class Travel ® Visa Infinite* Card

These two cards are similar, so what sets them apart? Business perks vs. a focus on travel. The First Class card charges $139 for its annual fee, or $10 less than the Business Travel Visa*. The welcome bonus with Visa Infinite isn’t as enticing at 115,000 TD Rewards points and they charge 20.99% APR vs. 19.99% with the business travel card. On top of that, you earn eight TD Rewards Points, instead of nine, for every $1 in travel purchases. For some good news, both cards’ travel insurance packages are identical. 

The TD First Class Travel ® Visa Infinite* also gives you an annual credit of $100 when you book at Expedia for TD. And, because you’re part of the Visa Infinite Benefits program, you’ll get access to 24/7 concierge services, luxury hotel and dining experiences and more. Ultimately, pick the card that best suits your needs. 

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

The TD ® Aeroplan ® Visa* Business Card’s biggest difference is Aeroplan vs. TD Rewards Points. If you love flying with Air Canada and its partner airlines, want a free first checked bag and access to the Maple Leaf Lounges in North America (though you earn one pass for every $10,000 spent), then this may be a good card for you. It charges a $149 annual fee that you can get waived in the first year. It features the same great insurance benefits, the Visa SavingsEdge program and the TD Card Management Tool. One last difference, the TD® Aeroplan® Visa* Business Card only charges 14.99% interest. 

So really, which points program would you rather have?

TD Business Travel Visa* Card Vs.CIBC Aventura ® Visa* Card for Business Plus

Another business card, a different rewards program. CIBC will waive the $120 annual fee in the first year, charge 19.99% APR and has a Visa Spend Clarity for Business to track your spending, customize payment controls and use powerful reporting tools. 

Much like the Expedia for TD program, you can book on any airline, every flight, every seat with points that don’t expire with the CIBC Rewards Centre. CIBC’s welcome bonus of 60,000 Aventura points doesn’t seem as strong as TD’s welcome bonus, but the dollar value is about the same (~$1,200). 

A significant differentiator is the lack of emergency medical insurance with CIBC. 

Is the TD Business Travel Visa worth it?

The TD Business Travel Visa* Card is a strong contender in the best business credit card category. With its massive welcome bonus (that serves as a draw to their banking products), high earn rate, great insurance coverage and business tools (TD Card Management Tool), this card stands up against some of the best. If you like the security of a big bank, a credit card you can confidently give to your employees, and want to unlock some bonuses while travelling, this card is a winner. 

How to switch from TD Business Travel Visa* to regular

Switching your TD business card without losing points is easy. Simply call 1-800-983-8472 and speak with customer service. If you’re switching to Aeroplan though, be sure to use up as many points as possible, even if it’s to help pay off your balance.

Is the annual fee worth it?

Given the card's travel, insurance and business benefits, the $149 annual fee is justified, especially with the first-year rebate. However, it's essential to compare its pros and cons for what your business needs.

Can I use my TD Rewards Points for non-travel expenses?

Yes, you can redeem your TD Rewards Points for purchases at Amazon.ca, retail business merchandise, gift card and even to pay down the account balance.

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

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TD Business Travel Visa* Card

Reward calculator, enter your total monthly expenses or by category.

Restaurants

Bills & Utilities

Net annual rewards the 1st year

Net annual rewards in subsequent years

Requirements

Purchase protection

Purchase security for lost or stolen items within 90 days of purchase.

Medical emergency

Travel medical insurance coverage up to $2,000,000 for the first 15 days of your trip (or 4 days if you're over 65).

Trip cancellation

For trip cancellation, receive coverage up to $1,500 per person.

Trip interruption

Up to $5,000 coverage for trip interruption.

Travel accident

Common carrier travel accident insurance of up to $500,000 also applies.

Lost or stolen baggage `insurance

Any delayed or lost baggage is covered up to $1,000.

Flight delay

Flight/trip delay insurance will cover up to $500 for over 4 hours of delay.

Auto rental coverage

For rental cars, receive 48 consecutive days of coverage for auto rental collision/loss damage.

Extended warranty

Extended warranty on all purchased items.

More rewards with additional card

Add supplementary cardholders to earn more rewards, faster.

Exclusive discounts with my favorite brands

Cardholders also receive discounts of up to 25% off purchases made as part of the Visa SavingsEdge program. Save on car rentals with discounts at Avis and Budget Rent a Car, and get 50% more TD Rewards Points and Stars at Starbucks.

Similar Cards

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Sign up today to learn all about the best cash back and travel rewards credit cards, plus how to maximize your rewards and loyalty programs. 

Exciting news for TD Rewards members

Members can earn and redeem points on vacation packages, flights, hotels, car rentals and more. Who doesn't like to save?

Sign-in using your existing TD online banking credentials.

The expedia for td program.

It's easier than ever for TD Travel or Rewards credit card holders to find and book their dream vacation on Expedia For TD.

The best part? Not only do you have the flexibility to use your TD Rewards Points to pay for all or part of your trip, but eligible TD credit cards can also earn up to 9 points for every $1 spent on travel purchases 1.

TD First Class Travel Visa Infinite * 

• 8 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/ Phone) 1
• Annual $100 TD Travel Credit on your first Eligible Travel Credit purchase of $500 that is made with Expedia For TD 2
• Birthday Bonus - earn up to 10K bonus TD Rewards Points a year (up to $50 value on Expedia For TD) 3,4
• Comprehensive Travel insurance coverage 4

TD Platinum Travel Visa *

• 6 TD Rewards Points per $1 spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car Rental Discounts 5,6,7

TD Rewards Visa *  

• 4 TD Rewards Points per $1 Spent on Travel Purchases at Expedia For TD (Online/Phone) 1
• Car rental discounts 5,6,7

TD Business Travel Visa *  

• 9 TD Rewards Points per $1 when you book travel online, or 6 Points per $1 Spent on travel made by phone through Expedia For TD 1

Not only does Expedia For TD provide you with exclusive deals on travel , but y ou r TD points are worth more when redeeming them and you can earn TD points faster when purchasing travel with your TD credit card. 1,9  

Explore with Options

A flight to Las Vegas? How about an all-inclusive stay at a Cancun resort? A house in Banff for a ski trip? All of these are available on Expedia For TD.

No restrictions on adventure

We don't have black-out dates or seat restrictions on flights, 8  which means you're free to book anytime you want.

Redeem and earn points on:

• Flights and packages
• Hotels, vacation rentals, car rental
• Activities and cruises

And you’ll have access to Expedia benefits

Expedia’s Price Guarantee

Find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in and Expedia will refund the difference. Sign in to find out more.

Save on hotels

Exclusive offers and deals, including up to 20% off hotel stays

Fulltime support

A dedicated customer service team available 24/7 at 1-877-222-6492

How it works

Paying with TD points                        .

It’s easy to shop for travel: Find your ideal trip and pay with your TD Travel or Rewards Credit Card at checkout. On the billing page, select the amount of TD points you wish to redeem.                                                                          

200 TD Rewards Points = $1                            .            .

Every 200 points are worth $1 off travel purchases on Expedia For TD. Redemptions are made in 200-point increments, and travelers need a minimum of 200 points to make a redemption.

Use points for all or part of your trip

For example, if your trip costs $1000, use 120,000 Rewards Points (worth $600). Pay the remainder with your TD credit card and earn up to additional 8 points for every $1 spent 1,9 . That is up to 32k additional points!

Automatic credit for points redeemed

When you purchase travel using TD Rewards Points your TD credit card will be charged the full amount. The dollar value of points redeemed will be credited to your account in 3-5 business days.

Already an eligible TD cardholder?

Use your existing TD online banking credentials to sign in to Expedia For TD and find your perfect trip Sign In

Earn TD Rewards Points on bookings made with your TD Travel Rewards Credit Card and pay with points by redeeming TD Rewards Points towards all or part of your trip. Sign In

Pay for travel and everyday items with your TD Travel Credit Card to earn TD Reward Points. When you're ready, you can redeem TD points to pay for all or part of your trip.

Looking to become a TD travel cardholder?

Learn more about TD’s travel credit cards and choose the one that best matches your spending habits and travel style.

1 TD First Class Travel Cardholders earn eight TD Rewards Points for every dollar spent on travel Purchases made online or by phone through Expedia For TD. TD Platinum Cardholders earn six TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Rewards Cardholders earn four TD Rewards Points for every dollar spent on travel purchases made online or by phone through Expedia For TD. TD Business Travel Cardholders earn 9 TD Rewards Points for every dollar spent on travel purchases made online through Expedia For TD and 6 TD Rewards Points for every dollar spent on travel purchases made by phone through Expedia For TD. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original 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.

  2 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;    • 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.  

3 Each year, receive a TD Rewards Birthday Bonus (“Birthday Bonus”) equal to 10% of the TD Rewards Points earned while using the TD First Class Travel® Visa Infinite* over the 12 months preceding the Primary Cardholder’s birthday, to a maximum Birthday Bonus of 10,000 TD Rewards Points. For the first year, we will only award the TD Rewards Birthday Bonus based on the TD Rewards Points earned from October 30, 2022, to your next birthday. Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards the Birthday Bonus. 

4 Insurance coverages are subject to conditions, limitations and exclusions. For more information, (including information on the insurer and/or administrator) please refer to the Certificate of Insurance included with your TD Credit Cardholder Agreement.

5 Rate displayed by Expedia For TD reflects the discounted offer.  No discount code needs to be applied. 

6 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.

7 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.

8 Subject to carrier/space availability.  9 Every 200 TD Points redeemed are worth $1 in travel savings off the cost of Travel Purchases made through Expedia For TD. Redemptions can only be made in 200 TD Points increments. * Trademark of Visa International Service Association; Used under license.

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TD Business Travel Visa* Card

Limited Time Offer:

Earn a value of up to $1, 122 ^ in TD Rewards Points (that's up to 175,000 TD Rewards Points) ^ with no Annual Fee in the first year ^ . Conditions Apply. Account must be opened by June 3, 2024.

Earn up to 175,000 TD Rewards Points ^ for the first year from Account opening (a travel value of up to $875 when you book travel Purchases through ExpediaForTD.com ^ ) and get full Annual Fee rebates for the first year for the Primary Cardholder and first two Additional Cardholders ^ (a value of up to $247 ^ ). That’s a total value of $1,122 ^ . Conditions Apply. Account must be opened by June 3, 2024.

• Earn a Welcome Bonus of 30,000 TD Rewards Points when you make your first Purchase ^ with your new Card
• Earn up to 120,000 TD Rewards points when you spend $2,500 in Purchases each month for the first 12 months of Account opening ^ .
• Plus, earn up to 25,000 TD Rewards points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening ^ .
• Get an Annual Fee rebate for the first year for the Primary Cardholder and two Additional Cardholders ^ . Additional Cardholders must be added by June 4, 2024.
• Earn an additional 60,000 TD Rewards Points when you spend $5,000 in the first 3 months of account opening ^
• Plus, earn up to 40,000 TD Rewards points by setting up new regularly recurring bill payments (maximum two)
• Earn 9 TD Rewards Points ^ when you book travel online through ExpediaForTD.com ^ using your Card
• Earn 6 TD Rewards Points ^ for every $1 you spend on Foreign Currency Purchases using your Card when making foreign exchange Purchases.
• Earn 6 TD Rewards Points ^ for every $1 you spend on regularly recurring bill payments and Restaurant Purchases made on your card
• Earn 2 TD Rewards Points ^ for every $1 you spend on business purchases made using your Card

How to Redeem:

• Travel Accident Insurance
• Trip Interruption/ Cancellation Insurance
• Travel Medical Insurance
• Rental Collision/ Loss Damage Insurance
• Flight Delay Insurance
• Baggage Insurance
• Extended Warranty
• $49.00 for the first Additional Cardholder. $0 for subsequent Additional Cardholders.
• There is a 21-day interest grace period on all new purchases

^ Terms and Conditions apply.

All trade-marks are the property of their respective owners.

* Trademark of Visa International Service Association and used under license.

® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Last updated 03/25/2024. Check with the credit card issuer for the most up-to-date information before applying.

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• TD Platinum Travel Visa Card Review: One of the Best Credit Cards for Expedia Loyalists

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TD Platinum Travel Visa Card Review 2024

Updated: Mar 5, 2024, 12:47pm

The TD Platinum Travel Visa has plenty to offer, like no annual fee the first year, the ability to earn TD Rewards Points on purchases and a generous welcome bonus . However, when you look a little closer, there are some drawbacks, like conditions and caveats aplenty. Still, within the landscape of travel cards , the TD Platinum Travel Visa Card shines, but not nearly as bright as the competition. The main reason? Its affiliation with Expedia, both the card’s greatest strength and, paradoxically, its biggest limitation. That’s because the card’s offers are largely confined to Expedia getaways, demanding loyalty you may not want to give so readily.

• Generous welcome bonus.
• Better rewards program than most TD cards .
• Similarly-priced cards have better travel perks

Table of Contents

Introduction, quick facts, td platinum travel visa* card rewards, td platinum travel visa* card benefits, how the td platinum travel visa* card stacks up, methodology, is the td platinum travel visa* card right for you.

• Advertiser's Disclosure

Featured Partner Offers

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (rebated in the first year, account must approved by June 3, 2024)

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

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

Travel rewards for a low annual fee? Get the TD Platinum Travel Visa Card.

On TD’s Website

• Earn up to $370 in value†, including up to 50,000 TD Rewards Points†. Conditions apply. Account must be approved by September 3, 2024.
• Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
• 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening†.
• Pay no annual fee for the first year
• 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 up to 6 TD Rewards Points for every $1 spent on Expedia ®  for TD †  
• Earn 4.5 TD Rewards Points on every $1 you spend at your favourite eateries and grocery stores
• Earn 3 TD Rewards Points for every $1 of your recurring bill payments
• Earn 1.5 TD Rewards Points for every $1 you spend on everything else
• Includes travel insurance coverage
• Benefit from 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)
• This offer is not available to residents of Quebec.
• † Terms and conditions apply.

When you think about a credit card that ties its perks to a popular online travel agency, TD Platinum Travel Visa Card immediately comes to mind. It’s almost as if TD had a tête-à-tête with Expedia and, together, they concocted an array of credit card benefits suited for the travel-savvy cardholder. If you’ve got a penchant for frequently booking through Expedia, TD Platinum Travel Visa Card isn’t just an option—it’s one of the best options. The world of travel rewards credit cards is vast, and in that sea TD Platinum Travel Visa stands out like a beacon for travellers anchored to Expedia.

Yet, while this card seems bespoke to a specific audience, what about the travellers who don’t necessarily pledge allegiance to Expedia? Here’s where things get a bit murky.

Do we love the fact that there’s no annual fee for the first year, a juicy introductory perk that could see you pocketing up to 50,000 TD Rewards Points? Absolutely. Is it phenomenal that you can bag 6 TD Rewards Points for every $1 on bookings through Expedia and up to 4.5 TD Rewards Points for every $1 you spend on everything else? Again, a resounding yes.

But, in the larger landscape of travel cards, where some offer travel perks like lounge access or extravagant concierge services, TD’s card feels a tad limited. Avid globe-trotters might find themselves yearning for a few more travel-related luxuries.

Would we recommend the TD Platinum Travel Visa Card? If Expedia is your go-to travel companion, yes, without any hesitation. But if you’re an indiscriminate traveller who casts a wider net to find the best deal, this might not be your catch of the day.

• Annual fee: Waived for the first year, then it’s $89 per year
• Reward rate: Ranging from 1.5 to 6 TD Rewards Points across diverse spend categories
• Flexibility: Points can be used for travel, merchandise or bill payments
• Introduction offer: Up to $370 in value and 50,000 TD Rewards Points, with certain conditions
• Insurance coverage: Comprehensive travel insurance included

Earning Rewards

Jumping into the rewards scene Collecting rewards with the TD Platinum Travel Visa Card can feel like striking gold. Each bite at a restaurant or grocery run puts 4.5 TD Rewards Points in your pocket. Your recurring bills? A nifty 3 points for each $1 you spend. And every other purchase earns you a steady 1.5 points. In the bustling world of reward credit cards, this one can hold its own. Plus, the TD Platinum Travel Visa Card offers a distinct Expedia advantage, turning everyday expenses into potential travel adventures.

Redeeming Rewards

With the TD Platinum Travel Visa Card’, you can convert your hard-earned points into exciting getaways on Expedia, choosing from a plethora of destinations. TD and Expedia have made redeeming points easy, so you can harness the full potential of your rewards on Expedia® For TD. You can also use your accumulated points to splurge on merchandise, even Amazon purchases. Plus, you can use TD Rewards Points to lower your credit card balance. While some cards make you jump through hoops for redemptions, TD’s portal makes redeeming your TD Rewards Points a breeze.

Rewards Potential

Savvy spenders who harness the card’s earning potential could pocket an impressive number of points towards travel, merchandise and more. Based on how Canadians typically spend, Forbes Advisor Canada estimates that cardholders can see an annual return of $312.42 worth of points, with the annual fee factored in, when you book travel with Expedia. When you book travel elsewhere, the annual return drops to $292.82 worth of points, with the annual fee factored in.

• First-year perks: No annual fee and up to 50,000 TD Rewards Points (Up to $370 in value)
• Dine and dash to points: Enjoy 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores
• Expedia euphoria: Be the traveller that gets 6x TD Rewards Points for every $1 you spend on Expedia bookings, ensuring every trip, big or small, becomes a rewarding journey
• Security and peace of mind: Rest easy with comprehensive travel insurance that ensures that your voyages remain hiccup-free

Interest Rates

• Regular APR Min: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 1% ($3.50 minimum and $10 maximum)
• Balance Transfer fee: 3% maximum
• Foreign Transaction Fee: 2.5%
• Annual Fee: $89 (Get an annual fee rebate in the first year; account must be approved by September 3, 2024)
• Over Limit Fee: $29.00
• Late Payment Fee: $0

When evaluating the TD Platinum Travel Visa Card against some of its competitors, namely the TD Aeroplan Visa Platinum , American Express® Aeroplan®* Reserve Card and CIBC Aeroplan Visa Infinite Card, it’s clear that each has its unique strengths. While they may cater to different traveller preferences, from Expedia loyalists to Air Canada aficionados, picking the most suitable one for you depends on your travel habits, reward preferences and fee comfort levels.

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

At face value, both cards come with an identical annual fee and APR, and both are generous with their first-year annual fee rebates. Yet, they’re tailored to different travellers. If Expedia is your go-to for travel bookings, the TD Platinum Travel Visa Card’s 6-point-per-$1 earn rate is unmatched. That said, TD Platinum Travel Visa Card offers a hearty welcome in the form of 50,000 TD Rewards Points, while TD Aeroplan Visa Platinum welcomes new cardholders with a 20,000 Aeroplan Point offer. But here’s the twist: TD Aeroplan Visa Platinum Card’s potential $500 value, along with the versatility of earning points in multiple ways, may out-woo the frequent traveller. However, for the everyday spender leaning into travel, TD Platinum Travel Visa Card’s reward structure, especially with groceries and dining , holds an edge.

TD Platinum Travel Visa Card vs. American Express® Aeroplan®* Reserve Card

When deciding between the TD Platinum Travel Visa Card and American Express Aeroplan Reserve Card, travellers have a lot to unpack. TD Platinum Travel Visa Card offers an attractive welcome bonus and a more affordable annual fee, especially with the first-year waiver. It’s also the perfect choice for dedicated Expedia customers looking to earn more rewards, faster than ever, on their getaways. On the flip side, the American Express Aeroplan Reserve Card offers a superior range of travel benefits, from lounge access to comprehensive insurance. But, with its higher annual fee, it’s geared towards frequent Air Canada travellers who’ll make the most of its perks. For the budget-conscious, TD Platinum Travel Visa Card takes the lead, but American Express Aeroplan Reserve Card is unrivalled when it comes to premium Air Canada perks.

TD Platinum Travel Visa* Card vs. CIBC Aeroplan Visa Infinite Card

Pitting the TD Platinum Travel Visa Card against the CIBC Aeroplan Visa Infinite Card is an exercise in balance. Both cards offer strong travel rewards, but they cater to slightly different demographics. TD Platinum Travel Visa Card, with its Expedia tie-in, is a dream for the site’s loyalists. Its annual fee is also modest, which is appealing for cardholders who balk at high yearly charges. Conversely, the CIBC Aeroplan Visa Infinite Card leans heavily into its Air Canada affiliation, granting perks like free checked bags and priority boarding. The card’s insurance coverage is also commendable. If you’re after broader travel flexibility and a cheaper fee, TD Platinum Travel Visa Card is your go-to. But, for frequent Air Canada flyers, CIBC Aeroplan Visa Infinite Card stands out.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses, and other benefits 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.

In short, the TD Platinum Travel Visa Card is a stellar choice for cardholders who frequently use Expedia. If you’re looking to cash in on a generous welcome bonus without a hefty annual fee, this is the card for you. It’s particularly suited to users who dine out or spend heavily on groceries , given the rewards rate. However, if you’re a travel enthusiast in search of comprehensive travel perks and insurance , you might find other similarly priced cards more appealing. While the TD Platinum offers decent protection features, there are more competitive options out there.

Related: Best Credit Cards To Use in Canada

Advertiser's Disclosure

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.

Frequently Asked Questions (FAQs)

Is the first-year annual fee really waived for the td platinum travel visa card.

Yes, as long as you activate your card and make your first purchase within the first three months of opening your account.

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

To earn up to 50,000 TD Rewards Points, you must be approved by September 3, 2024. Once approved, activate your card and make your first purchase within the first three months. Also, remember to add any additional cardholders by September 4, 2024.

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

You earn 6 TD Rewards Points for every $1 you spend when you book your travel through Expedia For TD, making it a rewarding choice for cardholders who frequently use this platform.

What’s the earning rate for the TD Platinum Travel Visa Card on everyday purchases?

You earn 1.5 TD Rewards Points for every $1 you spend on everyday purchases. Plus, you can rack up 4.5 TD Rewards Points on every $1 you spend at restaurants and grocery stores.

Is the TD Platinum Travel Visa Card offer available to residents of Quebec?

Unfortunately, this offer isn’t available to Quebec residents.

Kevin Nishmas is an expert financial content writer with a long and successful history of working with Canada's largest financial institutions. His knack (and passion) for transforming complex personal finance information into clear, compelling content has landed him in leading business publications such as Report on Business, Advisor’s Edge, Benefits Canada and Investor's Digest of Canada.

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TD Business Travel Visa Card

The TD Business Travel card earns TD Rewards points and gives cardholders the opportunity to earn  9x TD Rewards on purchases at Expedia for TD.

Rewards Rates

The TD Business Travel credit card earns TD Rewards points for all purchases made on the card:

• 9 TD Rewards points for every dollar spent on purchases at Expedia For TD.
• 6 TD Rewards points for every dollar spent on purchases in foreign currencies.
• 6 TD Rewards points for every dollar spent on restaurant purchases and recurring bill payments.
• 2 TD Rewards points for every dollar spent on all other purchases.

Redeeming TD Rewards

TD Rewards points can be redeemed on Expedia For TD , applied towards “Book Any Way” travel purchases, or used to purchase merchandise and gift cards. Points can also be redeemed for a statement credit or education credit.

Click to learn everything there is to know about TD Rewards .

Insurance Coverage

The TD Business Travel card offers eight types of insurance coverage:

• Travel medical insurance
• Trip cancellation and trip interruption insurance
• Flight and trip delay insurance
• Delayed and lost baggage insurance
• Common carrier travel accident insurance
• Car rental collision and loss damage coverage
• Purchase security
• Extended warranty protection

Refer to the TD Business Travel insurance certificate for additional details, including terms and conditions for eligibility.

Other TD Rewards Cards You Might Consider

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TD First Class SM Visa ® Signature Credit Card

Travel rewards – Earn triple miles on travel and dining

Compare TD cards >

Read complete terms and conditions for details about APRs, fees, eligible purchases, balance transfers and program details.

Offer details, rates, fees and terms

Bonus miles offer.

Earn up to 25,000 bonus miles within the first 6 billing cycles of account opening, which equals a $250 statement credit towards travel or dining purchases

Bonus miles will be reflected on your credit card statement 6 to 8 weeks after a qualified first purchase and/or 6 to 8 weeks after $3,000 in total net purchases made within the first 6 billing cycles of your credit card account opening date. This offer is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us. This online offer is not available if you open an account in response to a different offer that you may receive from us.

Rewards details

3X First Class miles on travel and dining purchases , including flights, hotels, car rentals, cruises and dining, from fast food to fine dining

1X First Class miles on all other purchases – no categories or gimmicks and earn points that never expire as long as your account is open and in good standing.

Rates and fees

Need more information?

Take a look at our terms and conditions or personal cardmember agreement .

Earn unlimited points with every purchase, and triple the miles on travel

See how many miles you can earn from travel and other purchases.

Redeem your First Class miles for a statement credit toward travel and dining purchases >

To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

Manage your card, security you can count on.

Don't worry-we're protecting your every move. Our built-in chip technology helps guard you against fraud. Plus, you get the benefits of Visa Zero Liability 2

Managing your account is easy

Get the service you need, when you need it. Log in to your account or talk to a TD Bank representative 24/7 at 1-877-468-3178.

Redeem your rewards

Visit the td first class rewards site >.

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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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The Beginner’s Guide to TD

TD is one of Canada’s largest and most popular banks, offering a range of products and services through in-person and online banking.

In This Post

A brief history of td, chequing and savings accounts, td credit cards, td banking app, frequently asked questions.

Toronto Dominion (TD) Bank was created on February 1, 1955, as an amalgamation of The Bank of Toronto and The Dominion Bank.

Over the past seven decades, TD has continued to grow in both size and in the diversity of its offerings.

Beginning with 499 branches at the time of amalgamation, TD now has over 2,200 branches and is currently the second largest bank in Canada and the tenth largest bank in the US.

Key Dates in TD History:

• 1855 – The Bank of Toronto was founded
• 1871 – The Dominion Bank opened its first branch
• 1955 – TD was created through the amalgamation of The Bank of Toronto and The Dominion Bank
• 2000 – TD purchases Canada Trust, expanding its market share in Canada
• 2005 – TD acquires Banknorth, marking its major entrance into US retail banking
• 2011 – TD acquires MBNA Canada’s credit card business

TD has four personal chequing accounts and three personal savings accounts, which we’ll go over in this section.

When considering which type of account to open, it’s important to think about your banking priorities and preferences, and how you tend to use and access your account.

TD also often has promotional offers when you sign up for a specific account or multiple accounts together that can garner you a cash bonus, higher interest rates on savings, and other perks (e.g., merchandise).

Chequing Accounts

Chequing accounts are the best day-to-day account as they tend to offer more monthly transactions and lower fees compared to savings accounts. Plus, they often come with perks such as free Interac e-transfers and rebates on credit card annual fees .

To learn more, let’s take a look the key characteristics of each of TD’s personal chequing accounts from the simplest to the most comprehensive:

TD Minimum Chequing Account

• Monthly fee: $3.95 (all figures in CAD)
• Included transactions: 12 (additional transactions = $1.25/each)
• Interac e-transfers: $0.50/each (for transactions up to $100) and $1/each (for transactions above $100)
• ATM fees: $2 for non-TD ATMs in Canada, $3 for foreign ATMs in the US and Mexico, and $5 for foreign ATMs in any other country
• Fee waivers: Fees waived for seniors receiving the Guaranteed Income Supplement (GIS) and for Registered Disability Savings Plan beneficiaries
• Best for: Individuals with minimal banking needs

TD Every Day Chequing Account

• Monthly fee: $10.95 (waived if a $3,000 account balance is maintained)
• Included transactions: 25 (additional transactions = $1.25/each)
• Interac e-transfers: Free
• Fee waivers: None
• Best for: Individuals who make fewer than 25 transactions per month

TD Unlimited Chequing Account

• Monthly fee: $16.95 (waived if a $4,000 account balance is maintained)
• Included transactions: Unlimited
• ATM fees: $0 for all ATMs in Canada, $3 for foreign ATMs in the US and Mexico, and $5 for foreign ATMs in any other country
• Fee waivers: First year annual fee rebate for an eligible TD credit card
• Best for: Individuals who want the freedom of unlimited transactions and who can take advantage of the credit card fee rebate

TD All-Inclusive Banking Plan

• Monthly fee: $29.95 (waived if a $5,000 account balance is maintained); $22.45 for seniors over the age of 60
• ATM fees: $0 for all ATMs globally
• Fee waivers: Yearly annual fee rebate for an eligible TD credit card
• Additional features: A small safety deposit box (subject to availability) and free personalized cheques
• Best For: Individuals who often use non-TD ATMs and those who can take advantage of the annual credit card fee rebate and the additional product perks

Savings Accounts

TD also offers three savings accounts for clients looking to build their savings while still having easy access to their funds.

Let’s explore these three accounts and what makes each one unique.

TD Every Day Savings Account

• Monthly fee: $0
• Annual interest rate: 0.010%
• Included transactions: One (additional transactions = $3/each)
• Transfers: Free to other TD deposit accounts
• Best For: Individuals looking for a simple place to start saving

TD High Interest Savings Account

• Annual interest rate: 0.050% when account balance is $5,000 or higher; 0% when account balance is below $5,000
• Included transactions: Zero (transactions = $5/each, which is waived if a $25,000 account balance is maintained)
• Best for: Individuals looking for an easy-to-access savings account

TD ePremium Savings Account

• Annual interest rate: 1.85% when account balance is $10,000 or higher; 0% when account balance is below $10,000
• Included transactions: Zero (transactions = $5/each)
• Best For: Individuals who can maintain an account balance of $10,000 or higher

Additionally, for individuals who have newly immigrated to Canada, TD has created a special offer called the TD New to Canada Banking Package .

This offer provides a variety of different financial incentives when you open specific chequing and savings accounts, plus additional rewards-based incentives when you sign-up for a specific credit card.

Student Bank Accounts

TD offers one account specifically for youth (under the age of 23) and students (of any age) who are enrolled in full-time post-secondary education: the TD Student Chequing Account.

TD Student Chequing Account

• Best for: Individuals who are under the age of 23 or who are enrolled in a full-time post-secondary program

Additionally, TD has created a special offer for young students who are new to Canada: the International Student Banking Package .

This package combines the TD Student Chequing Account, the TD Rewards Visa* Card, and the TD Every Day Savings Account and provides additional value to eligible account holders through Amazon gift cards and cash bonuses.

For new students looking to get started in Canada, this package provides both essential products and excellent added value.

US Dollar Accounts

TD has two US dollar accounts available: the US Daily Interest Chequing Account and the Borderless Account.

These accounts are ideal for people who have banking needs in both Canada and the US as they allow you to easily exchange funds between the two countries at a competitive rate.

The US Daily Interest Chequing Account has no monthly fee, making it an excellent account if you find yourself occasionally in need of banking access in the US.

Comparatively, the Borderless Account has a monthly fee of $4.95 (USD) which is waived if the account balance is $3,000 (USD).

This account enjoys a preferred exchange rate and provides account holders with free US bank drafts and basic cheques. These features make it ideal for frequent travellers to the US.

TD offers its clients a range of personal credit cards that provide the opportunity to earn cash back, Aeroplan points, and TD Rewards Points .

Cash Back Credit Cards

TD offers two cash back credit cards: the TD Cash Back Visa Infinite* Card and the TD Cash Back Visa* Card .

These credit cards are ideal for people who like the simplicity of cash back rewards, which can be used to pay down your account at any time with a minimum of $25.

For an entry-level card, the TD Cash Back Visa* Card has no annual fee and earns 1% cash back on eligible grocery, gas, and recurring bill payments.†

• Earn 1% cash back † on eligible grocery and gas purchases, as well as recurring bill payments set up on your account †
• Then, earn 0.5% cash back † on all other eligible purchases †
• No minimum income requirement
• Annual fee: $0

Comparatively, the TD Cash Back Visa Infinite* has an annual fee of $139 but offers 3% cash back on eligible grocery, gas, and recurring bill payments.†

• Earn 10% cash back † in the first three months, on up to $3,500 spent on eligible groceries, gas, and recurring bills set up on your account †
• Then, earn 3% cash back † on eligible groceries, gas, and recurring bill payments set up on your account †
• Free Deluxe TD Auto Club Membership for roadside assistance †
• Minimum income: $60,000 personal or $100,000 household
• Annual fee: $0 for the first year † , then $139
• Application must be approved by June 3, 2024 to receive this offer

We’ve created individual in-depth guides to both of these cash back credit cards, where you can find up-to-date offers and enrollment information – just click above to learn more.

Aeroplan Co-Branded Credit Cards

For individuals looking to earn points with Canada’s most popular and powerful airline loyalty program, TD offers three personal credit cards that earn Aeroplan points on everyday spending.

The three cards are: the TD Aeroplan Visa Platinum* Card , TD Aeroplan Visa Infinite* Card , and the TD Aeroplan Visa Infinite Privilege* Card .

These cards are great choices for Aeroplan members looking to build up their points account balance to access award flights, as each card comes with a welcome bonus and earns Aeroplan points on everyday spend.

The entry-level member of the TD Aeroplan co-branded card family is the TD Aeroplan Visa Platinum* Card. This card often features a generous welcome bonus and comes with a few Air Canada perks.

This is a great card to consider if you have a more modest income or want to keep costs down while still earning points towards travel.

• Earn  10,000 Aeroplan points † upon first purchase †
• Plus, earn 10,000 Aeroplan points † upon spending $1,000 in the first three months
• Earn 1x Aeroplan points† on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred pricing on Air Canada ® flights through Aeroplan †
• Annual fee: $89, rebated in the first year †
• Application must be approved by September 3, 2024 to receive this offer

The TD Aeroplan Visa Infinite* Card is the next level up in TD’s Aeroplan credit card family.

Much like its Platinum counterpart, this card often comes with a nice welcome bonus, and it also offers cardholders one free checked bag on Air Canada flights and a fee rebate for your NEXUS application.†

This card is a good choice for individuals who travel often and can take advantage of the related perks.

• Earn 10,000 Aeroplan points † upon first purchase †
• Plus, earn 20 ,000 Aeroplan points † upon spending $6,000 in the first 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 1.5x Aeroplan points † on eligible gas, groceries, and Air Canada ® purchases, including Air Canada Vacations ® †
• Preferred Aeroplan pricing and free checked bags on Air Canada ® flights †
• Annual fee: $139

The third card in the TD Aeroplan family is the TD Aeroplan Visa Infinite Privilege* Card. Of TD’s three Aeroplan credit cards, this one will come with the highest welcome bonus and the most valuable perks.

This card is ideal for individuals who don’t mind paying the high annual fee and for Air Canada frequent flyers who can maximize the utility of the associated travel benefits, including eUpgrade/Status Qualifying Miles rollover and unlimited Maple Leaf Lounge access.

• Earn 20,000 Aeroplan points † upon first purchase
• Plus, earn an additional 40,000 Aeroplan points † upon spending $10,000 in the first 180 days
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points † when you spend $15,000 within 12 months of account opening †
• Earn 2x Aeroplan points † on eligible Air Canada ® purchases, including Air Canada Vacations ® †
• Earn 1.5x Aeroplan points † on eligible gas, groceries, dining, food delivery, and other travel purchases †
• Aeroplan preferred pricing, free checked bag, priority check-in and boarding on Air Canada flights †
• Unlimited Air Canada Maple Leaf Lounge † access
• DragonPass membership † with six free lounge visits per year
• Minimum income: $150,000 personal or $200,000 household
• Annual fee: $599

Check out our in-depth guides for these three Aeroplan cards to learn about up-to-date offers and enrollment information – just click the card names above.

TD Rewards Credit Cards

TD offers three credit cards that earn TD Rewards Points on everyday spending. TD Rewards is the bank’s own rewards program, allowing clients to earn points that can be used for travel, statement credits, and gift cards.

The three TD Rewards cards are the TD Rewards Visa* Card , the TD Platinum Travel Visa* Card , and the TD First Class Travel Visa Infinite* Card .

TD Rewards Points are particularly valuable when redeemed for travel booked through Expedia® for TD, the bank’s online travel portal operated in partnership with Expedia®.

The TD Rewards Visa* Card is this credit card family’s entry-level offering and offers the opportunity to earn TD Rewards Points on everyday purchases with zero annual fee.†

This is a great card for individuals who are looking for a straightforward, low-cost card that lets them earn towards flexible future travel.

• Earn 15,152 TD Rewards Points† upon keeping your account open for 90 days †
• Plus, earn 4x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Use your rewards for any travel bookings available on Expedia ® for TD †

The TD Platinum Travel Visa* Card is the mid-level card of the TD Rewards credit card family, and new cardholders usually have the opportunity to earn a welcome bonus in the first few months of card membership.

This card also offers elevated TD Rewards Points earning rates, making it a good card for individuals looking to build up their points balance faster.

• Earn  15,000 TD Rewards Points upon first purchase †
• Earn 35,000 TD Rewards Points upon spending $1,000 in the first 90 days †
• Plus, earn 6x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Earn  4.5x TD Rewards Points † on eligible grocery and restaurant purchases †

The TD First Class Travel Visa Infinite* Card is the premium card offering in the TD Rewards credit card family.

This card often features a generous welcome bonus and a first-year annual fee rebate.

Cardholders will also enjoy excellent earning rates for TD Rewards Points and a $100 accommodations/vacation credit that can be used when booking at least $500 worth of eligible travel through Expedia® for TD.†

This card is a good choice for individuals who are looking to quickly accumulate TD Rewards Points and who can make use of the $100 accommodations/vacation credit.

• Earn 20,000 TD Rewards Points upon making your first purchase †
• Earn  80 ,000 TD Rewards Points upon spending $5,000 within 180 days of account opening †
• Plus, earn up to 10,000 TD Rewards Points back on your birthday †
• Plus, earn 8x TD Rewards Points † on eligible travel purchases when you book through Expedia ® for TD †
• Get an annual TD Travel Credit † of $100 when you book through Expedia ® for TD †
• Annual fee: $139, rebated for the first year †

Click on the credit card names above to access our in-depth guides for the up-to-date offers and enrollment information for the three TD Rewards credit cards.

Low-Rate Credit Cards

TD offers one low-rate credit card in the TD Low Rate Visa* Card .

This card is a good choice for someone who often needs to carry a balance on their card and would benefit from the lower annual interest rate of 12.90%.

This card also often offers promotional interest rates for a set number of months, allowing new cardholders to make bigger or unexpected purchases without incurring as much interest.

TD has an app available for both Apple iOS and Android.

Within the app, clients can access their chequing, savings, credit, and investment accounts. They can move money between these accounts, pay bills, and deposit cheques (by taking a photo of the cheque).

Clients can also send and request money within Canada via Interac e-transfer or to 200+ countries using TD Global Transfer.

Within the app, clients can also keep their debit and credit cards secure with the ability to lock a card if it is misplaced, lost, or stolen. They can then easily unlock the card in the app once it has been found.

If you’re new to the app, TD also provides some very helpful tutorials on their website to help you learn all about the different features.

TD is the second largest bank in Canada, with over 1,000 branches across the country.

TD offers a range of bank accounts, credit cards, and additional products designed to suit a myriad of different client types.

Whether you’re a student, a newcomer to Canada, or someone perusing new banking options, TD’s diversity of offerings are certainly worth exploring.

What do I need to open a TD bank account?

To open a TD bank account, you’ll need your personal information including full name, birthdate address, phone number, and email address.

Additionally, you’ll need to provide two valid forms of identification, and if the bank account you plan to open will earn interest, you’ll also need to provide your Social Insurance Number for tax reporting purposes.

Valid forms of identification can include a Canadian driver’s license, health card, or passport, Canadian birth certificate, Old Age Security card, Certificate of Indian Status, citizenship certificate, permanent resident card, and more.

You can learn more about the ID requirements from the Financial Consumer Agency of Canada’s website. (https://www.canada.ca/en/financial-consumer-agency/services/banking/opening-bank-account.html)

What do I need to open a TD credit card?

To open a TD credit card, you’ll need your personal information including full name, birthdate, address, phone number, and email address.

Different credit cards will have different requirements, and for some credit cards you will be required to provide additional financial information such as your employment status (past and present) and your income.

How do I contact/access TD?

There are multiple ways to contact/access TD in Canada.

Information about TD and their personal banking products and services can be found on the TD website .

If you are already a TD client with either a personal bank account or personal credit card, you can sign in to your account on your computer and use the EasyWeb Messaging feature on the website to message with a live agent between the hours of 9am and 11pm Eastern Time Monday to Friday and between 10am and 7pm Eastern Time on Saturday and Sunday.

Alternatively, you can sign in on the TD App and select Contact Us from the menu, followed by Call Us. This will connect you with a live phone agent during business hours as long as you’re physically in Canada.

You can also reach out by telephone:

• For bank accounts, you can call 1-866-222-3456 (English) and 1-800-895-4463 (French)
• For credit cards, you can call 1-800-983-8472 (options for French and English), 1-877-233-5558 (Cantonese), and 1-877-233-5844 (Mandarin)

If you’d prefer to speak to someone in person, you can walk in to your local TD branch, or you can first make an appointment online .

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Business Platinum Card from American Express

120,000 MR points

American Express Aeroplan Reserve Card

85,000 Aeroplan points

American Express Platinum Card

100,000 MR points

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

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