td travel visa platinum

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

TD Platinum Travel Visa* Card   🇨🇦

• 4.5X points on grocery and restaurants purchases†
• Purchase Insurance

Earn up to $370 in value † , including up to 50,000 TD Rewards Points † and no Annual Fee for the first year † . 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 † .
• Get an annual fee rebate 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 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.

• Earn 6 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD † .
• Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
• Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account † .
• Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card † .

Your Card also allows you to enjoy:

• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks ® and more.
• Booking your travel through Expedia ® For TD † to maximize the TD Rewards Points you can earn on your travel purchases.
• An extensive suite of travel insurance coverages which helps you travel prepared
• 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.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

Fees & Conditions

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a first-year annual fee rebate :

• Get an Annual Fee Rebate for the first year † .

There is no minimum income requirement for this TD credit card.

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Alternative Cards

• 2X points on all purchases
• Premium Insurance
• Visa Infinite Benefits
• Card Details

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, 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

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .

† Terms and conditions apply.

• Primary card $139
• Additional card $50
• Individual $60,000
• Household $100,000
• Purchase Rates 20.99 % 20.99 % (QC)
• Cash Advance Rates 22.99 % 20.99 % (QC)
• Balance Transfer Rates 22.99 % 20.99 % (QC)
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• Groceries 6 TD Rewards Points
• Dining and Food delivery 6 TD Rewards Points
• Recurring Payments 4 TD Rewards Points
• Year 1 $1,149
• Year 2+ $371
• Annual Credit
• VIP Lounges
• Travel credit
• Air Canada Benefits

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.

• 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 †
• 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
• 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).
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
• Earn Aeroplan Points on your everyday purchases
• Redeem your points for travel and more.
• Take advantage of an extensive suite of travel insurance † .
• Primary card $89
• Additional card $35
• Individual $0
• Household $0
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• Groceries 1 Aeroplan Point
• Gas 1 Aeroplan Point
• Air Canada 1 Aeroplan Point
• Year 1 $866
• Year 2+ $288
• 3% cash back on groceries and gas

Earn up to $500 in value † , including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 † . Conditions apply. Account must be approved by June 3, 2024.

• Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made † .

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 June 4, 2024.

• Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases † , and on regularly recurring bill payments † set up on your account
• Earn 1% Cash Back Dollars on all other Purchases made with your Card †
• Earn Cash Back Dollars on every eligible purchase.
• Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours! †
• Your Cash Back Dollars never expire as long as your account is open and in good standing
• Emergency Road Services with Deluxe TD Auto Club Membership
• Complimentary Visa Infinite * Concierge service † available 24/7
• Mobile Device Insurance †
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• Groceries 3 %
• Recurring Payments 3 %
• Year 1 $969
• Year 2+ $341

†Terms and conditions apply.

TD Platinum Travel Visa * Card

Summary of flytrippers' review, why get this card.

• The good welcome bonus worth $273
• The flexibility of simple points that can be applied to almost any travel
• The good insurance coverage
• The fact there’s no annual fee the 1st year

WHO SHOULD GET THIS CARD

• Those who want simple points that can be applied to almost any travel
• Those with lower income (no minimum income required)
• Those who want no annual fee the 1st year (even though the total value is always what you should look at)

How to learn more

• Go to our editorial card review page (coming soon)
• Keep scrolling here for all the details
• Apply now via TD secure link
• See all the best credit cards in Canada

Card details

Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and no Annual Fee for the first year†. 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†.
• Get an Annual Fee Rebate 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 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:

• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks® and more.
• Booking your travel through Expedia® For TD† to maximize the TD Rewards Points you can earn on your travel purchases.
• An extensive suite of travel insurance coverages which helps you travel prepared
• 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.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.

Earn 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.

Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.

Earn 3 TD Rewards Points  for every $1 you spend on regularly recurring bill payments set up on your Account†.

Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.

†Terms and conditions apply.

Welcome bonus structure (2 separate bonuses) (INCREASED OFFER – ends September 3, 2024)

15,000 TD Rewards points Bonus after making 1 purchase (no minimum amount) 35,000 TD Rewards points Bonus after spending $1,000 (in a maximum of 90 days)

50,000 TD Rewards points Total with the 2 parts of the bonus

Earn on the minimum spending requirement

4,500 TD Rewards points Estimated earn on the minimum spending requirement of $1,000 (at multiplier earn rate of 4.5 pts/$)

Total rewards by unlocking the welcome bonus

54,50 0 TD Rewards points  Welcome bonus + earn on the minimum spending requirement to unlock it

‣ Apply for the TD Platinum Travel Visa * Card

Value of the welcome bonus offer (at our Flytrippers Valuation of  0.5¢/pt )

$75 Bonus after 1st purchase (15,000 pts) $175 Bonus after min. spend (35,000 pts) $23 Earn on the min. spend (4,500 pts) –$0 Card fee (no annual fee the 1st year)

$273 Total net value by unlocking the welcome bonus alone

‣ Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

27.3%  Return on the minimum spending requirement ( $273  on $ 1,000  in 3 months)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

$273 Rewards you get for $0

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 54,500 TD Rewards points  you get by unlocking the welcome bonus:

$273 Travel booked on Expedia for TD $218 Travel booked on any website $218 Education credit with HigherEdPoints $182 Merchandise on Amazon ≈ $182 Gift cards ≈ $182 Merchandise $136 Statement credit

‣Learn more about the best redemptions of TD Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value  per TD Rewards point to help you understand:

0.5¢ Travel booked on Expedia for TD 0.4¢ Travel booked on any website 0.4¢ Education credit with HigherEdPoints 0.33¢ Merchandise on Amazon ≈ 0.33¢ Gift cards ≈ 0.33¢ Merchandise 0.25¢ Statement credit

‣Learn more about the basics of the values per point (coming soon)

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 54,500 TD Rewards points  for:

54,500 pts Discount of $273 on travel booked on Expedia for TD

━ Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

54,500 pts Discount of $218 on travel booked on any website

Redemptions for education credits

Also a redemption of the more simple type, with a fixed value. TD Rewards points are among the very few that offer a non-travel redemption that doesn’t have a lower value than travel redemptions (at least compared to the least valuable of the 2 travel redemption options). You can use your points to get a fixed-value credit at select higher education institutions.

54,500 pts Credit of $218 at HigherEdPoints

Redemptions for anything other than travel (except HigherEdPoints)

Should  always be avoided , as with  all  rewards!

‣Learn more about why you should always redeem your rewards for travel (coming soon)

Expiry TD Rewards points never expire as long as you have the card. And even if you no longer have the card, you can easily extend the expiration indefinitely.

‣Learn more about TD Rewards points expiry (coming soon)

Pooling TD Rewards points cannot be pooled with travel companions.

‣Learn more about pooling rewards (coming soon)

Logistics TD Rewards points can be used directly on the TD Rewards website.

‣Learn more about how to get started with TD Rewards (coming soon)

Rewards program summary Rewards: TD Rewards points Source: Bank rewards Type: More simple Flytrippers Valuation: 0.5¢ per point Minimum value: 0.5¢ per point Maximum value: 0.5¢ per point Transferable: No

‣Learn more about rewards programs basics (coming soon)

6 points per $ ( 3% ):

• Travel booked through Expedia For TD †

4.5 points per $ ( 2.25% ):

• Groceries †  (and indirectly at all retailers offering gift cards in grocery stores )
• Restaurants† (and food delivery apps )

3 points per $ ( 1.5% ):

• Recurring bill payments set up on your Account †

1.5 points  per $ ( 0.75% ):

• All other purchases †

Earning with additional cards

Fee for additional cards: $35/1st card ($0 for subsequent cards) † Quantity allowed: N/A Minimum age: N/A

‣Learn more about additional cards (coming soon)

Starbucks partnership † You get 50% more TD Rewards points and 50% more Stars.

‣Learn more about the TD and Starbucks partnership (coming soon)

10% discount on rental cars † Save 10% at Avis and Budget in Canada and the USA and at least 5% at international locations.

‣Learn more about the TD car rental benefit (coming soon)

Insurance included

Flight delay insurance ($500, 4hr minimum) † Travel accident insurance † Delayed and lost baggage insurance † Rental car insurance † Hotel burglary insurance † Purchase protection coverage † Extended warranty coverage † Mobile device insurance †

‣Learn more about the insurance coverage included with the TD Platinum Travel Visa * Card (coming soon)

Insurance not included

Medical travel insurance † Trip cancelation insurance † Trip interruption insurance †

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility Minimum income: $0 † Age: Majority in your province Estimated credit score: Good or Excellent Credit bureau: Equifax Canada

‣ Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have activated or closed this specific card in the past 6 months

‣ Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date Account must be approved by September 3, 2024 †

‣ Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details Issuer: TD Bank Canada Network: Visa Card type: Credit card Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Fees and rates Card fee: $89/year (rebated in the first year; account must be approved by September 3, 2024) † Fee for additional card: $50/1st card (rebated in the first year; you must add your first Additional Cardholder by September 4, 2024) † Foreign transaction fee: 2.5% † Purchases annual interest rate: 20.99% † Funds advance annual interest rate: 22.99% † (20.99% for Québec residents) † Balance transfer fee: 3% †

‣Learn more about what Flytrippers recommends regarding fees and rates (coming soon)

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And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here ).

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*Beta version of card page. Sign up to get updated guide soon.*

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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Apr 25, 2024, 4:56pm

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

• 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.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

• Get an Annual Fee Rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
• Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
• Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.
• 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.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make.

• 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 recurring bill payments
• Earn 2 TD Rewards Points for every $1 you spend on other purchase
• Earn an annual Birthday Bonus of up to 10,000 TD Rewards Points, or 10% of the total number of TD Reward Points earned in the previous 12 months

There is an annual spend cap of $25,000 for each of the accelerated categories. Once you exceed that maximum, you’ll earn 2 TD Rewards Points for every dollar spent.

Here’s an example of how many TD Rewards Points you could get in the first year, including 100,000 TD Rewards Points (20,000 welcome bonus plus 80,000 points when you spend $5,000 within 180 days of account opening):

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility, which this card is lacking.

Credit card reward perks include:

• Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals
• Link your eligible card to earn 50% more TD Rewards Points and Starbucks Stars
• Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you like to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to $1 off travel purchases. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

• Comprehensive travel insurance coverage.
• Discounts on car rentals with Avis and Budget Rent-A-Car.
• Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

More Card Benefits and Features

TD Rewards Program Benefits:  

• Go places on points and redeem through Expedia for TD (where your points are worth more) or book through any other travel agency or website and use your points within 90 days of purchase.
• Shop online for merchandise and gift cards through TDRewards.com
• Pay with rewards and pay down your credit card balance with points.

Travel Benefits:

• Annual $100 TD Travel Credit on your first eligible travel credit purchase of $500 or more made with Expedia for TD
• Travel medical insurance, up to $2 million of coverage for the first 21 days (or the first four days if you or your spouse is aged 65 or older)
• Flight/trip delay insurance, up to $500 in coverage if your flight is delayed for over four hours
• Trip cancellation, up to $1,500 per person with a maximum of $5,000 for all insured persons
• Trip interruption, up to $5,000 per person, with a maximum of $25,000 for all insured persons
• Common carrier travel accident insurance, up to $500,000
• Emergency travel assistance services
• Delayed and lost baggage insurance, up to $1,000 per person if your baggage is delayed more than six hours or lost
• Auto rental collision/loss damage insurance, up to 48 consecutive days
• TD’s Credit Card Travel Insurance Verification Tool lets you  check your insurance benefits
• Hotel/motel burglary insurance, up to $2,500 of coverage 

Additional Benefits and Features:

• TD Payment Plans let you turn purchases of $100 or more into manageable six, 12 or 18 month payment plans
• Save a minimum of 10% off the lowest available base rate with Avis Rent A Car and Budget Rent A Car in Canada and the U.S. and 5% internationally
• Use Apple Pay, Google Pay or Samsung Pay where contactless payments are accepted

Visa Infinite Benefits:

• Complimentary Visa Infinite Concierge 24/7
• Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 hotels
• Visa Infinite Dining Series gives you access to exclusive gourmet events
• Visa Infinite Wine Country Program gives exclusive benefits at over 95 participating wineries in B.C., Ontario and Sonoma Valley, including discounts on wine purchases, complimentary tastings, private vineyard tours and more
• Visa Infinite Entertainment Access provides exclusive access to tickets to curated events
• Visa Infinite Troon Golf provides elevated Troon Rewards Silver Status at over 95 courses and 10% off green fees, merchandise and lessons 
• Mobile device insurance, up to $1,000 of coverage in the event of loss, theft, accidental damage or mechanical breakdown
• Chip and PIN technology provides an added level of security
• Purchase security and extended warranty protection within 90 days or purchase, or double the warranty period (up to 12 months) if the item comes with a manufacturer’s warranty
• Visa Secure provides you with increased security and convenience when you shop online
• Instant TD Fraud Alerts whenever there is any suspected suspicious activity
• Set transaction limits, block international purchases or lock your credit card in the TD app
• Pay online with Click to Pay 

Optional Benefits:

• Optional TD Credit Card Payment Protection Plan helps you with your payment obligations in the event of a covered job loss, total disability or loss of life
• Optional TD Auto Club Membership that provides 24/7 emergency roadside assistance

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.50%
• Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by June 3, 2024)
• Any other fees:  Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, 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.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Why should you get a travel rewards credit card?

A travel rewards card helps you earn points on everyday purchases (like groceries) that can be redeemed for travel-related expenses, like flights and hotels. You even earn points on travel-related bookings, earning 8 TD Rewards Points for every $1 you spend when you book travel through Expedia for TD.

How do you earn TD Rewards Points?

You earn points with travel bookings, shopping at a grocery store or eating at a restaurant, on recurring bill payments and everyday purchases.

How do you redeem TD Rewards Points?

You can redeem your TD Rewards Points when  you book travel online through Expedia for TD, or any other travel provider. You can redeem your points on Amazon.ca with Amazon Shop with Points or shop for merchandise on TDRewards.com. Finally, you can also redeem TD Rewards Points to pay your credit card account balance on the TD app or EasyWeb.

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.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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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 .

Prince of Travel is Canada’s leading resource for using frequent flyer miles, credit card points, and loyalty programs to travel the world at a fraction of the price.

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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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TD Platinum Travel Visa* Card

Limited time offer:

Earn up to $370 in value ^ , including up to 50,000 TD Rewards Points ^ and no Annual Fee for the first year ^ . Conditions Apply. Account must be approved by September 3, 2024.

This offer is not available for residents of Quebec. For Quebec residents, please click here .

• 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 ^
• Get an Annual Fee Rebate 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.

• Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia ® For TD, Starbucks ® and more
• Booking your travel through Expedia ® For TD ^ to maximize the TD Rewards Points you can earn on your travel purchases
• An extensive suite of travel insurance coverages which helps you travel prepared
• 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
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply
• Earn 6 TD Rewards Points ^ for every $1 you spend when you book travel through Expedia ® For TD ^
• Earn 4.5 TD Rewards Points ^ for every $1 you spend on groceries and restaurants ^
• Earn 3 TD Rewards Points ^ for every $1 you spend on regularly recurring bill payments set up on your Account ^ Earn 1.5 TD Rewards Points ^ for every $1 you spend on other purchases made using your card ^

How to Redeem:

• 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
• Or Book Any Way ^ : 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
• Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards
• Pay With Rewards: Redeem TD Rewards Points to help pay down your credit card balance.

Sponsored advertising. 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.

• Travel Accident Insurance
• Rental Collision/ Loss Damage Insurance
• Flight Delay Insurance
• Baggage Insurance
• Extended Warranty
• $35 for the first Additional Cardholder. $0 for subsequent Additional Cardholders.
• There is a 21-day interest grace period on all new purchases
• 1% of the amount of the transaction (min of $3.50 up to a max of $10) in Canada/ $5.00 outside Canada.

^ 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 Clear Card Review: No APR, but Its Monthly Fee Adds Up

Whether this card is right for you comes down to two questions: Do you intend to carry a significant balance on it, and do you live in a state where the card is offered?

No interest

• Predictable minimum payment
• Monthly membership fee
• Requires good/excellent credit

$20 monthly membership fee*

Rewards rate

Bonus offer

Ongoing APR

APR: No interest

Foreign transaction fee

• No interest - just a simple monthly fee.
• Pay a simple fee and predictable minimum payment each month.
• No late payment or foreign transaction fees.
• Enjoy Visa benefits like cell phone protection, emergency card replacement and Visa Zero Liability.
• The Clear Platinum Visa Credit Card with $2,000 credit limit has a $20 monthly membership fee.
• Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, or VT.

Detailed review: TD Clear Visa Platinum Credit Card

The TD Clear Visa Platinum Credit Card stands apart from other credit cards from traditional banks because instead of charging interest, it charges a set monthly fee . For those who value predictability, that can sound enticing. But depending on how much of a balance you plan to carry on the card, it could cost you far more than a credit card with an annual percentage rate (APR).

After all, if you're the kind of credit card user who pays off your balance in full every month, you'll never owe interest to begin with, so the APR is irrelevant . But with the TD Clear Visa Platinum Credit Card , the monthly fee will apply whether you carry a balance or not — even if you sock-drawer it. And at up to $20 a month, it can be almost as expensive to hold as some of the top premium credit cards , which offer a variety of rewards and perks that this card does not.

If you have good to excellent credit (typically, FICO scores of at least 690), better options exist.

» MORE: NerdWallet’s best credit cards for fair credit

TD Clear Visa Platinum Credit Card : Basics

Card type: Credit builder .

Annual fee: None, but a monthly fee of $10 or $20 applies, depending on the credit limit.

Rewards: None.

Sign-up bonus: None.

Foreign transaction fee: None.

Balance transfer fee: None.

» MORE: What is TD Bank, and are its credit cards right for you?

Benefits and perks

A predictable monthly payment.

The TD Clear Visa Platinum Credit Card can offer a predictable monthly payment, making budgeting easier. If you tend to carry a balance on credit cards from one month to the next, you might value knowing exactly what your payment will look like each month. Instead of paying interest charges, there's a $10 monthly fee for a credit limit of $1,000 or a $20 monthly fee for a $2,000 credit limit.

Visa benefits

As a cardholder, you'll get benefits from the Visa payment network (not from TD Bank), which may offer additional savings toward everyday purchases. Some benefits include cell phone protection and a complimentary Shipt membership for three months. Terms apply. It’s not uncommon for these benefits to change over time on credit cards, so review the card’s offerings for up-to-date benefits.

» MORE: The three levels of Visa credit card benefits

Drawbacks and considerations

A potentially costly monthly fee.

Depending on the size of your balance, the monthly fee on the TD Clear Visa Platinum Credit Card could be more expensive than the interest charges on a different card. To compare possible costs, use the sliding scales below. (For context, the average APR for credit cards assessed interest in February 2023 was 20.92%, according to Federal Reserve data.)

As you can see, the higher the balance you carry (or intend to carry) with the TD Clear Visa Platinum Credit Card , the better the deal. But if you don't carry a balance (or much of one), this isn't a good card for you.

Consider the interest rate you might qualify for on a credit card elsewhere by looking at your current credit cards or pre-qualifying for other offers. With good credit (FICO scores of 690 or higher), you can qualify for some of the best rates out there.

» MORE: Annual fees? Several new credit cards are opting for monthly ones

Geographic restrictions apply

This card is only available if you live in Connecticut, Delaware, Florida, Massachusetts, Maine, Maryland, North Carolina, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont or Washington D.C.

No credit limit increases

If you’re looking to increase your spending power as your credit grows, the TD Clear Visa Platinum Credit Card could hinder your progress. Because you’re paying a fixed monthly fee for a specific credit limit, the credit limit won't increase, according to Jennifer Garrett, TD Bank's head of product development and loyalty, credit cards and unsecured lending.

Traditional credit cards, on the other hand, often will offer credit limit increases over time if you can qualify based on increased income or other factors. The possibility of a credit limit bump obviously helps your purchasing power, but it also can potentially elevate credit scores by lowering your credit utilization ratio (the amount of available credit you’re using compared with your credit limit). It’s a key factor that affects credit scores.

A poor choice for balance transfers

You might be tempted to jump at the chance to transfer an existing credit card balance to the TD Clear Visa Platinum Credit Card , which charges no interest and has no balance transfer fee — but because of the card's monthly fee, it can still cost more than other balance transfer credit cards that offer a 0% introductory APR (and no monthly fee). Plus, the fixed credit limit on the TD Clear Visa Platinum Credit Card makes it a poor candidate for transferring large amounts of debt. You can only transfer as much as the credit limit allows.

With good credit, a balance transfer card like the $0 -annual-fee BankAmericard® credit card can offer a lengthy interest-free window. There's a balance transfer fee of 3% for 60 days from account opening (then 4%), but you'll likely save more over the long term. For example, if you compare the costs on a hypothetical balance of $1,500, you might pay $45 as a balance transfer fee on the BankAmericard® credit card . With a $20 monthly fee on the TD Clear Visa Platinum Credit Card , you would have to pay off the balance within two months for it to be the cheaper option.

The TD Clear Visa Platinum Credit Card does not earn rewards. With good to excellent credit, you can potentially qualify for the $0 -annual-fee Upgrade Triple Cash Rewards Visa® , which offers 3% cash back on home, auto and health purchases (1% back on everything else). You can also get the predictability of fixed monthly payments because this card can convert the balance you carry into a fixed-rate loan. The ongoing APR is 14.99%-29.99% .

This card allows you to pay a fixed interest rate on your balance over a set term. On top of that, it earns 1.5% cash back on all purchases.

How to decide if it's right for you

Unless you're planning to carry a significant balance over a long period of time, you can do better than the TD Clear Visa Platinum Credit Card , especially if you have good to excellent credit. The card's monthly fee makes it a costly long-term option for your spending.

Either way, you can't get it unless you live in certain states.

Depending on the credit limit, a monthly membership fee of $10 or $20 will apply.*

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
• Best cash back credit cards

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.

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Melissa Lambarena

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Understanding the Travel Benefits Your Credit Card Offers

Whether you’re travelling for work or play, there is a possibility of risk when venturing away from home. From losing luggage or scratching the rental vehicle, to injuring yourself or falling sick, the travel benefits included with your TD credit card can help you travel prepared.

How Credit Card Travel Benefits can help you

Travel prepared with the travel benefits on your TD credit card. Depending on the TD credit card, travel benefits could include:

• Travel Medical Insurance 1
• Trip Cancellation / Trip Interruption Insurance 2
• Delayed and Lost Baggage Insurance 3
• Flight/Trip Delay Insurance 3
• Common Carrier Travel Accident Insurance 4
• Auto Rental Collision / Lost Damage Insurance 5
• Emergency Travel Assistance Services 6
• Hotel / Motel Burglary Insurance 7

How do the travel benefits on my credit card work?

Credit card travel benefits can work in many ways. For example, they may:

Provide insurance for travel expenses Depending on the travel benefits included with your TD credit card, you may be insured for certain travel related expenses (i.e. car rentals) and you could also be insured in certain situations (i.e. medical emergencies).

Come with additional Travel Medical Insurance Timeframes vary depending on your age, the length of the trip and the type of credit card.

Make it easier to make a claim In the event of a claim, you’ll want to contact our claims administrator to initiate your claim. It helps to have all your receipts available during this process.

What coverage do I have with my credit card travel benefits?

Depending on the credit card you have, you could be eligible for a range of coverages, from trip cancellations, to lost baggage, to car rental accidents. Check your TD credit card travel insurance benefits  here . It is important to read your  certificate of insurance  to understand which coverages you have with your credit card.

Benefits of having Credit card travel Insurance

There are a number of scenarios when having travel benefits on your credit card may be beneficial.

Your family vacation

It’s your first family trip, your flight’s been cancelled, and you’ve missed your connection. Fortunately, Trip Cancellation Insurance 2  may provide coverage for the cost of your required hotel room.

Lost luggage? No worries.

Imagine finally being able to travel only to then lose your luggage. Thankfully, Delayed and Lost Baggage insurance 3  can help cover a portion of the loss.

Your business trip

While driving to your annual sales meeting, you get into a minor collision and damage the rental vehicle. Thankfully, your Auto Rental Collision/Loss Damage Insurance 5  could help you get back on your way.

How to get started

If you love to travel the world and experience new places and cultures, a TD® Aeroplan® Visa* Credit Card might be for you.

• Travel Rewards

TD Travel Rewards Cards let you earn points on everyday purchases that can be redeemed for flights, hotels and much more.

Earn cash back on purchases, which can be redeemed whenever you want – for what is most essential to you.

Browse All Credit Cards

Explore our Canadian credit card accounts to see which one is right for you.

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1  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 Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. The day of departure from and the day of return to your province or territory of residence each count as one full day.

2  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, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan 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.

3  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 Aeroplan 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.

4  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 Aeroplan 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.

5  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver(CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

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

7  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. 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 name of Assurant ®. ®Assurant is a registered trademark of Assurant, Inc.

See Air Canada and Aeroplan trade-mark ownership details.

* Trademark of Visa Int., used under license.

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

Best credit cards for airport lounge access in April 2024

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.

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.  

Stepping into an airport lounge from the chaotic main terminal can feel like stepping onto dry land from a whitewater raft. It evokes a feeling of peace, tranquility and “phew – we made it.”

As a result, airport lounge access is one of the most enviable perks you can get with a travel rewards credit card. But which cards still offer it in 2024, and from that list, which are still worth getting?

The best cards for airport lounge access in April 2024

Best overall: capital one venture x rewards credit card, best for extensive lounge access: the platinum card® from american express, best for affordable lounge access: u.s. bank altitude® connect visa signature® card, best for delta: delta skymiles® reserve american express card, best for united: united club℠ infinite card, best for american airlines: citi® / aadvantage® executive world elite mastercard®.

The Capital One Venture X Rewards Credit Card offers unlimited complimentary access for you and two guests to a wide lounge network comprising Capital One Lounges, Priority Pass and Plaza Premium Group. Plus, its $395 annual fee is easy to recoup on account of the $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. 

Capital One Venture X Rewards Credit Card

Intro bonus.

Rewards Rates

• 10X 10x miles on hotels and rental cars booked through Capital One Travel
• 5X 5x miles on flights booked through Capital One Travel
• 2X 2x miles on everyday purchases
• Annual $300 travel credit and 10,000 Miles upon card anniversary make up for the annual fee
• Airport lounge access
• Capital One Miles require effort to maximize
• Limited cash redemption options

Other benefits

• Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection
• Consumer protections including extended warranty and return protection

Why we like this card: We like how the Capital One Venture X comes with a hefty 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening, unlimited complimentary access for you and two guests to 1,300+ airport lounges, including Capital One Lounges and our Partner Lounge Network, and 10x miles on hotels and rental cars booked through Capital One Travel. 

The $395 annual fee may seem steep, but it’s actually a relative bargain among premium travel cards offering unlimited lounge access. Plus, you’ll earn $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary–a combined $400 in travel value–which instantly covers your fee for the year.

The cherry on top is up to $100 credit for Global Entry or TSA PreCheck®, so you can scoot through security and get to the lounge a little faster. And the Capital One Lounge network is small, but mighty, with game-changing features such as extensive to-go options. All things considered, the Capital One Venture X Rewards Credit Card is the airport lounge card to beat. 

The Platinum Card® from American Express claims to have the widest lounge access of any card on the market, with access to well over 1,500 lounge locations in over 140 countries. Combine that with a list of travel-centric benefits longer than a CVS receipt, and it’s an easy pick for this list. 

The Platinum Card® from American Express

See Rates and Fees

Reward Rates

• 5X Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
• 5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
• 1X Earn 1x points on all other eligible purchases
• Packed with valuable potential credits for digital entertainment, Equinox gym, Walmart+ membership, and more.
• Airport lounge access with a larger network than any other card
• Membership Rewards are valuable due to their flexibility.
• The multiple potential credits can be cumbersome to track.
• Sky-high annual fee
• Some of the perks can be hard to use if they don’t align with your lifestyle.
• Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection

Why we like this card: Like a fully-loaded Mercedes S-Class, The Platinum Card® from American Express comes with an eye-watering price tag but an expansive list of benefits to justify it. 

Naturally, one of those benefits is airport lounge access. You’ll have access to Amex’s Global Lounge Collection, which includes the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. That’s 1,500+ lounges in total, meaning an Amex Platinum is the closest we have to an airport lounge master key. 

You’ll also get up to $189 back per year on a CLEAR® Plus membership (subject to auto-renewal) when you use your Platinum Card®, up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card, up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required), up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card® (minimum 2-night stay required) and a welcome bonus of at least 80,000 Membership Rewards® Points after spending $8,000 on purchases on the Card in your first 6 months of card membership, so there are plenty of ways to extract value from your “Plat” outside of an airport lounge. 

To view rates and fees of the The Platinum Card® from American Express , see this page  

Amex Centurion Lounge Atlanta review Best travel credit cards What is Global Entry and why should I want it? What is TSA Precheck and why should I want it?

The U.S. Bank Altitude® Connect VISA Signature® Card card includes four free visits to over 1,500 Priority Pass locations worldwide, a $100 TSA PreCheck/Global Entry credit and a $500 welcome bonus–all for a modest annual fee of $95, which is waived for the first year.

U.S. Bank Altitude Connect

• 5x 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4x 4X points on travel, at gas stations and EV charging stations
• 2x 2X points at grocery stores, grocery delivery, dining and streaming services
• 1x 1X on all other purchases
• High earnings on travel
• No annual fee the first year
• 4 Priority Pass lounge visits per year
• Points not transferable to travel partners
• Additional perks: Cell phone protection, Trip cancellation/interruption, TSA/Global Entry fee rebate
• Foreign transaction fee: None

Why we like this card: As an affordable travel rewards card, U.S. Bank’s Altitude Connect card is a worthy rival to the reigning Chase Sapphire Preferred ® Card . Unlike the “CSP,” the U.S. Bank Altitude® Connect VISA Signature® Card includes complimentary Priority Pass Select membership with four airport lounge passes, a $100 credit towards TSA PreCheck or Global Entry and up to 4X on travel purchases. 

The card also waives its $95 annual fee for the first year and offers a hefty welcome bonus of 50,000 bonus points after spending $2,000 in the first 120 days worth $500 towards travel and more. In short, it’s positively packed with value for travelers, and if you’re not sure whether you’ll even visit a lounge more than four times this year, it’s a logical choice.

The Delta SkyMiles® Reserve American Express Card offers Delta fans a truly elevated experience, with 15 visits to the Delta Sky Club per year, four guest passes, free checked bags, an Annual Companion Certificate, upgrade priority and more. It doesn’t include automatic Medallion status, but offers plenty of ways to to get there faster (e.g. MQD Headstart).

Delta SkyMiles® Reserve American Express Card

Intro bonus.

• 3x Earn 3X Miles on Delta purchases
• 1x Earn 1X Mile on all other eligible purchases.
• Premium benefits for Delta flyers, like first checked bag free and access to the Delta Sky Club
• Companion certificate good for a round trip domestic Main Cabin, Comfort+ or First Class flight each year upon renewal of your card
• Access to Centurion Lounge network
• High annual fee
• Access to Delta Sky Club limited to 15 passes a year after February 2025
• Base earnings rate is low compared to other cards
• 15% discount on Delta award flights
• Travel protections including accident insurance, rental car coverage, trip cancellation and delay insurance
• Consumer protections including cell phone insurance, extended warranty, purchase and return protection

Why we like this card: Though it charges a heart-stopping $650 annual fee, the Delta SkyMiles® Reserve American Express Card does include a 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership to help cover your first two years with the card. You’ll also 3X Miles on Delta purchases, up to 15% off award travel on Delta when booked on Delta.com, a free first checked bag, up to $240 Resy Credit, up to $200 Delta Stays statement credit and more to make the card’s high fee more palatable. 

In terms of lounge access, the Delta SkyMiles® Reserve American Express Card includes 15 visits to the Delta Sky Club per year. That’s objectively pretty stingy considering there are cheaper cards on the market offering unlimited access to a larger network for both you and multiple guests. Still, if you’re a solo Delta traveler, 15 visits to the Delta Sky Club per year may be all you need.

The United Club℠ Infinite Card may charge $525 per year, but it covers a United Club membership–which alone retails for $650–and includes a litany of other travel-friendly benefits like Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

United Club℠ Infinite Card

• 4x 4 miles per $1 spent on United® purchases
• 2x 2 miles per $1 spent on all other travel and dining
• 1x 1 mile per $1 spent on all other purchases
• United Club lounge membership
• Valuable welcome bonus
• Path to earn elite airline status by card spend
• Mostly useful if you want lounge access
• Additional perks: Primary rental car coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement

Why we like this card: If you and your travel companion frequently fly United, check multiple bags each and relish the thought of decompressing in the United Club lounge, the United Club℠ Infinite Card might deserve a place in your wallet. 

That’s because the card’s marquis feature is a $650 United Club membership, granting unlimited access for you and your travel companions. You’ll also get Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases, 25% back on food/beverage/Wi-Fi purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. 

Once the welcome bonus dries up it can be hard to continue justifying the United Club℠ Infinite Card‘s $525 annual fee–especially since you can only take advantage of the card’s best benefits while traveling with United. The lack of Polaris Lounge access is a bummer, too. But if you’re a hardcore brand loyalist who doesn’t travel light, the United Club℠ Infinite Card could still be a worthy travel companion. 

With complimentary Admirals Club membership (valued up to $850), up to nine free checked bags per trip and an “enhanced airport experience,” the Citi® / AAdvantage® Executive World Elite Mastercard® rolls out the figurative red carpet for AA frequent flyers.

Citi® / AAdvantage® Executive World Elite Mastercard®

• 10x Earn 10X AAdvantage miles on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
• 4x 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases (5X after you spend $15,000 on airfare)
• 1x 1x AAdvantage miles on all other purchases
• Earns AAdvantage miles, which are not easily accessible outside of co-branded AAdvantage credit cards.
• Every dollar spent earns one Loyalty Point toward elite status.
• Includes Admirals Club lounge membership, valued at up to $850.
• High spending requirement for earning the 70,000-mile welcome bonus
• No category bonuses outside of American Airlines spending.
• Travel perks: AAdvantage club membership, checked bag benefit, trip cancellation and interruption protection
• Credits: Up to $120 annual credit to Avis or Budget rental cars, Up to $10 monthly credits to Lyft and Grubhub

Why we like this card: If you’re ready to pledge fealty to American Airlines via a $595 rewards card, you’ll be receiving plenty of perks and value in return from the Citi® / AAdvantage® Executive World Elite Mastercard®. For starters, you’ll get a complimentary Admirals Club membership and free first checked bags for you and up to eight travel companions–saving up to $720 per round trip. 

You’ll also get 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening, 25% savings on inflight purchases of food and beverages on flights and 10X AAdvantage® miles on hotels booked through aa.com/hotels. But perhaps most intriguingly, the card unlocks an “enhanced airport experience” with priority check-in, screening and boarding when flying with AA. 

Just keep in mind that Admirals Club membership only includes access to 50ish Admirals Clubs and 60ish partner lounge locations total, so you may want to confirm that there’s one in your home airport before committing. 

Frequently asked questions

Which card is best for airport lounge access.

The Platinum Card® from American Express has the most expansive lounge access, with unlimited visits to locations within the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. 

However, we think the Capital One Venture X Rewards Credit Card offers better value, with access to Capital One Lounges, Priority Pass and Plaza Premium Group locations for a $395 annual fee ($300 less than the Platinum).  If you are looking for a lower price tag, check out our article about the best cards for cheap airport lounge access .

Are lounge access cards worth it? 

A rewards card with airport lounge access could be worth it if you fly several times a year, value having a secluded place to work, and relax and plan to take advantage of the card’s other benefits. 

Some say that the most underrated perk of airport lounges is having access to a dedicated airline representative inside. That way, you can skip the long customer service line outside if something goes wrong with your travel plans. 

How do I know if my credit card has lounge access? 

Check your card benefits, which can usually be found online following a quick search. While you’re there, check to see if any of the included lounge networks require you to register your membership in advance–that way, you can save time and hassle at the airport.

Methodology

Fortune Recommends surveyed all the cards still offering airport lounge access in 2024 and handpicked the very best. In evaluating cards that offer airport lounge access, we compared the annual fees to the amount of lounge access provided. From the card granting access to the most locations worldwide to another charging a mere $95 annual fee ($0 for the first year), we found the best credit cards for airport lounge access in 2024.

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

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

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

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