The TD Platinum Travel Visa Card is a travel rewards credit card offered by TD Canada Trust. It allows Canadian cardholders to earn TD Rewards Points on everyday purchases, which can be redeemed for travel bookings, cash credits, and other rewards. The card features a suite of travel insurance benefits and an annual fee that can be rebated under certain conditions. This guide explains the card's earning structure, benefits, and key rules for Canadian consumers.
Earning TD Rewards Points
The TD Platinum Travel Visa Card accrues TD Rewards Points based on spending categories. Points are earned on eligible purchases only, and they do not expire as long as the account remains open. The standard earning rate is 5 points for every dollar spent on travel booked through Expedia For TD. Cardholders earn 3 points per dollar spent on groceries, dining, and public transit. Purchases for recurring bill payments and streaming, digital gaming, and media services also earn 3 points per dollar. All other purchases made using the card earn 1 point per dollar spent. The points can add up quickly through regular spending on common expenses.
There are specific programs that can accelerate point earnings under certain conditions. For instance, linking an eligible TD card can allow a cardholder to earn 50 percent more TD Rewards Points plus more Starbucks Stars. The card also provides access to special offers selected from TD and various merchants. It is important to review the card's terms for full details on eligible purchases and any caps that may apply to earning categories. The fundamental value ratio is that 200 TD Rewards Points are equivalent to one Canadian dollar. This ratio applies to most redemption methods, though points may be worth more when redeemed specifically through the Expedia For TD travel portal. The notes highlight several specific spending categories that yield the boosted 3-point rate, and understanding these categories is key to maximizing point accumulation.
- Groceries
- Dining
- Public Transit
- Recurring Bill Payments
- Streaming Services
- Digital Gaming
- Media Services
Welcome Bonus and Annual Fee Conditions
The TD Platinum Travel Visa Card often features a welcome bonus for new applicants. A current offer includes earning up to $370 in value, comprising up to 50,000 TD Rewards Points and receiving an annual fee rebate for the first year. Conditions apply to this offer, and it may be changed, withdrawn, or extended at any time. To qualify for the first-year annual fee rebate for the primary cardholder, the card must be activated and the first purchase on the account must be made within the first three months after account opening. This timeline is a critical condition for accessing the advertised value.
To receive the first additional cardholder first-year annual fee rebate, the first additional cardholder must be added while the offer is in effect. The standard annual fee for the card is $89. Cardholders can also get an annual fee rebate every subsequent year if they maintain a TD All-Inclusive Banking Plan. The offer cannot be combined with any other offer unless otherwise indicated. The additional cardholder fee is $35 for the first additional cardholder, but it is $0 for any subsequent additional cardholders added to the account. The welcome bonus is a significant part of the card's value proposition, but it comes with strict timelines that must be followed precisely. Several key deadlines and conditions are attached to the welcome offer and fee rebates, and missing these steps can result in forfeiting the benefits.
- Activate your new TD Platinum Travel Visa Card.
- Make your first purchase on the account within the first 3 months after opening.
- Add your first additional cardholder while the welcome offer is in effect to get their fee rebated.
- Maintain a TD All-Inclusive Banking Plan to receive an annual fee rebate in subsequent years.
To be eligible for the advertised value, you must activate your card and make your first purchase within three months of account opening. The offer may be changed, withdrawn, or extended at any time and cannot be combined with other offers. The estimated value of up to $370 includes up to 50,000 TD Rewards Points and an annual fee rebate for the first year. This calculation is based on estimations and specific monthly spending assumptions.
Redeeming Points for Travel and Other Rewards
TD Rewards Points offer flexibility in how they are redeemed. Points can be used for travel bookings through Expedia For TD, where searching over a million flights, hotels, and packages is possible. When ready to book, points can be redeemed towards the travel purchase immediately. Points are worth more when redeemed through this dedicated travel portal. Cardholders can also redeem points for everyday perks, cash credits, and more through the TD Rewards Program. The standard redemption value is 200 points for one dollar, but this value can be enhanced for travel.
Other redemption options include using points to pay off purchases. Cardholders can redeem points for any of their eligible past purchases on their TD credit card in three clicks. Another option is to redeem points to help pay down the credit card balance. Points can be used towards purchases at Amazon.ca with Amazon Shop with Points under certain conditions. The program is designed to give cardholders the freedom to choose how and when they use their accumulated points. There are multiple pathways to extract value from points, catering to different financial or lifestyle needs. The notes specify several distinct redemption channels available to cardholders, and each channel has its own conditions and potential value.
- Expedia For TD for flights, hotels, and travel packages.
- Pay Off Purchases for eligible past transactions on your card statement.
- Pay Down Balance to reduce your credit card balance directly.
- Amazon Shop with Points at Amazon.ca.
- Starbucks Stars through a linked account for rewards.
Cardholders can redeem TD Rewards Points for travel, everyday perks, cash credits, and more. Points can be used to pay off eligible past purchases on the credit card in just three clicks. They can also be redeemed to help pay down the credit card balance. Furthermore, points can be used for travel bookings through Expedia For TD or for purchases at Amazon.ca.
Travel Insurance Benefits and Coverage
The TD Platinum Travel Visa Card includes several embedded insurance benefits for cardholders. It is important to review the Benefit Coverages Guide for complete details. Flight or trip delay insurance provides up to $500 in coverage if the flight or trip is delayed by more than four hours. Delayed and lost baggage insurance offers up to $1,000 overall coverage per insured person for purchasing essentials if baggage is delayed more than six hours or lost. These benefits provide financial protection against common travel disruptions that can incur unexpected costs.
Common carrier travel accident insurance provides up to $500,000 of coverage for covered losses while travelling on a common carrier such as a bus, ferry, plane, or train. Auto rental collision or loss damage insurance is available at no additional cost when the full cost of a car rental is charged to the eligible Canadian TD credit card. Emergency travel assistance services provide toll-free access to help during a personal emergency while travelling. Hotel or motel burglary insurance covers up to $2,500 per occurrence for eligible personal items stolen from a hotel room belonging to the cardholder or eligible family members travelling together. Each insurance benefit has specific triggers and limits that must be understood before relying on them for coverage during a trip.
The card provides Flight/Trip Delay Insurance with coverage up to $500 if a trip is delayed more than four hours. It offers Delayed and Lost Baggage Insurance with up to $1,000 in overall coverage per insured person. Common Carrier Travel Accident Insurance provides up to $500,000 of coverage for covered losses while travelling. Hotel/Motel Burglary Insurance covers up to $2,500 per occurrence for eligible stolen personal items.
- Flight/Trip Delay Insurance: Up to $500, triggered by a delay of more than 4 hours.
- Delayed and Lost Baggage Insurance: Up to $1,000 per person, triggered by a delay of more than 6 hours or loss.
- Common Carrier Travel Accident Insurance: Up to $500,000 in coverage.
- Auto Rental Collision/Loss Damage Insurance: Requires charging the full rental cost to the card.
- Hotel/Motel Burglary Insurance: Up to $2,500 per occurrence.
- Emergency Travel Assistance Services: Toll-free phone access.
These insurance benefits form a travel safety net for cardholders. To activate coverage, cardholders typically need to pay for the travel fare with this TD credit card. The TD Platinum Travel Visa Benefit Coverages Guide contains all the important information about the embedded insurance benefits. It is the definitive source for all terms, exclusions, and claim procedures.
Additional Card Features and Services
The card provides access to several additional features beyond points and insurance. TD Payment Plans allow cardholders to easily turn purchases of $100 or more into manageable six, twelve, or eighteen month payment plans under certain conditions. Cardholders can save on car rentals by using their Canadian TD credit card at participating Avis Rent A Car and Budget Rent A Car locations. The savings include a minimum of 10 percent off the lowest available base rates in Canada and the United States, and a minimum of 5 percent off the lowest available base rates internationally on qualifying rentals. These discounts apply to the base rental rate and are available at participating locations worldwide.
The card is compatible with digital wallets for contactless payments. Cardholders can use Apple Pay, Google Pay, or Samsung Pay wherever contactless payments are accepted, which is a growing number of shops and restaurants. Eligible TD cardholders can also get a free Uber One trial for three months under certain conditions. These features are designed to provide convenience and potential savings alongside the core rewards program. The car rental discounts and payment flexibility options add practical financial utility to the card's profile. The digital wallet compatibility enhances everyday usability, allowing for quick and secure transactions without needing the physical card present.
Key Rules and Common Considerations
Several important rules govern the use and benefits of the TD Platinum Travel Visa Card. All rewards are earned on eligible purchases only, and caps may apply to certain earning categories as shown in the terms. The welcome bonus offer has specific activation and spending timelines that must be met to qualify for the annual fee rebate. The interest rates for purchases and cash advances are set at 21.99 percent and 22.99 percent respectively, which are standard for this type of credit card product in Canada. The points never expire as long as the account is open and in good standing, which is a valuable feature for long-term point accumulation.
It is crucial for cardholders to understand the conditions attached to each benefit. For example, travel insurance benefits have specific definitions of what constitutes a covered loss or delay. The auto rental insurance requires charging the full rental cost to the card to be in effect. The points redemption value is fixed at 200 points equaling one dollar, but redemption through certain partners like Expedia For TD may offer enhanced value. Cardholders should use the Credit Card Travel Insurance Verification Tool to confirm the specific benefits available on their account. The notes also indicate that the welcome offer's estimated value of up to $370 is based on a monthly spend of $2,200 after the annual fee, illustrating how such calculations are modeled. This figure is for illustrative purposes and highlights that the advertised value depends on meeting specific spending patterns and conditions.
Frequently asked questions
What is the annual fee for the TD Platinum Travel Visa Card?
The annual fee for the TD Platinum Travel Visa Card is $89. However, there is an offer for a first-year annual fee rebate when you activate your card and make your first purchase within the first three months after account opening. Furthermore, you can get an annual fee rebate every year if you maintain a TD All-Inclusive Banking Plan. Without that plan, the standard $89 fee applies annually after the first year.
How do you earn the welcome bonus points?
To earn the welcome bonus of up to 50,000 TD Rewards Points, you must apply for the card under the current offer. You must activate your card and make your first purchase on the account within the first three months after account opening. To receive the first-year annual fee rebate, these same conditions must also be met. The offer may be changed, withdrawn, or extended at any time and cannot be combined with other offers.
What travel insurance comes with the TD Platinum Travel Visa?
The card includes several travel insurance benefits. These are flight or trip delay insurance up to $500, delayed and lost baggage insurance up to $1,000 per person, and common carrier travel accident insurance up to $500,000. It also includes auto rental collision or loss damage insurance, emergency travel assistance services, and hotel or motel burglary insurance up to $2,500. Full details are in the Benefit Coverages Guide.
How do you redeem TD Rewards Points for travel?
TD Rewards Points can be redeemed for travel by booking through Expedia For TD. You can search for flights, hotels, and packages on the Expedia For TD website and redeem your points towards the purchase at the time of booking. Points are worth more when redeemed through this portal. Points can also be redeemed for cash credits, to pay off past purchases, or to pay down your card balance.
What is the earning rate for points on groceries and dining?
The TD Platinum Travel Visa Card earns 3 TD Rewards Points for every dollar spent on groceries, dining, and public transit. This is a boosted rate compared to the standard 1 point per dollar on other purchases. The rate for travel booked through Expedia For TD is 5 points per dollar. All point earnings are on eligible purchases only, and certain caps may apply as per the terms.
Can you get the annual fee waived?
The annual fee can be rebated under specific conditions. A first-year rebate is available as part of the welcome offer if you activate and use the card within three months of account opening. In subsequent years, the $89 annual fee can be rebated every year if you hold a TD All-Inclusive Banking Plan. Without that plan, the standard annual fee applies each year.
Sources and further reading
- Apply for a TD Platinum Travel Visa* Card | TD Canada Trust td.com
- TD Platinum Travel Visa* Card, overview ratehub.ca
This article explains how things work and is not financial, tax or legal advice. Rules, limits and rates change, so check the current figures with the Canada Revenue Agency, your province or your financial institution before you act.