TD Platinum Travel Visa* Card

Flytrippers opinion: A good offer for a card with simple points that can be applied to almost any travel.
Flytrippers Valuation
of Welcome bonus (net value)
offer effective since January 7th

via TD secure application link
$ 273

Rewards: $273

Card annual fee: $0 $89

Card eligibility
no minimum income
required

Welcome bonus eligibility
must not have activated/closed
this specific card
in the past 6 months
TD Rewards Points (more simple)
Bonus: 50k pts
Earn on min. spend: 4.5k pts (total: 54.5k pts)

• $273 for any travel
booked with Expedia for TD
• $218 for any travel
booked anywhere
How to unlock bonus
spend $1,000
in 3 months

Interest rates:
Purchases: 20.99%
Cash advances: 22.99%
Cash advances (QC): 20.99%
Terms and conditions apply.
Flytrippers editorial opinion only. TD is not responsible for maintaining the content on this site. Please click "Apply Now" to see most up-to-date information. This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel for less.

Summary of Flytrippers' review

WHY GET THIS CARD

  • The good welcome bonus worth $273 (based on our Flytrippers Valuation)
  • 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)

Card details

Offer structure (2 separate bonuses)

  • 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

Apply for the TD Platinum Travel Visa* Card

Total rewards by unlocking the welcome bonus

  • 50,000 TD Rewards points Welcome bonus (2 parts)
  • 4,500 TD Rewards points Estimated earn on the minimum spending requirement of $1,000 (at multiplier earn rate of 4,5 pts/$)

54,500 TD Rewards points Welcome bonus + Earn on the minimum spending requirement to unlock it

Apply for the TD Platinum Travel Visa* Card

Net value (at our Flytrippers Valuation of 0.5¢/pt)

  • $75 Welcome bonus after 1st purchase (15,000 pts)
  • $175 Welcome bonus after min. spend (35,000 pts)
  • $23 Earn on the required spending (4,500 pts)
  • –$0 Card fee (rebated the 1st year)

$273 Total net value by unlocking the welcome bonus alone

Details about our Flytrippers Valuation of welcome bonuses

Effective return rate

27.3% Return on the minimum spending requirement of $1,000 in 90 days

‣ Details about effective return rates (coming soon)

Rewards acquisition summary

$273 Rewards you get for $0 in fees paid

Apply for the TD Platinum Travel Visa* Card

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
  • $182 Merchandise on Amazon
  • ≈ $182 Gift cards
  • ≈ $182 Merchandise
  • $136 Statement credit

‣ Details of 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
  • 0.33¢ Merchandise on Amazon
  • ≈ 0.33¢ Gift cards
  • ≈ 0.33¢ Merchandise
  • 0.25¢ Statement credit

Details of the value per point

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:

  • 1,000 pts Discount of $5 on travel booked on Expedia for TD
  • 10,000 pts Discount of $50 on travel booked on Expedia for TD
  • 54,500 pts Discount of $273 on travel booked on Expedia for TD
  • 100,000 pts Discount of $500 on travel booked on Expedia for TD

‣ Details of the best redemptions of TD Rewards points (coming soon)

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.

Redeem your 54,500 TD Rewards points for:

  • 1,000 pts Discount of $4 on travel booked on any website
  • 10,000 pts Discount of $40 on travel booked on any website
  • 54,500 pts Discount of $218 on travel booked on any website
  • 100,000 pts Discount of $400 on travel booked on any website

‣ Details of the best redemptions of TD Rewards points (coming soon)

Redemptions for anything other than travel

Should always be avoided, as with (almost) all rewards!

Details about why you should always use your rewards for travel

Starbucks partnershipYou get 50% more TD Rewards points and 50% more Stars.

‣Details about the TD and Starbucks partnership (coming soon)

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

‣Details 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

‣ Details about the insurance coverage included with the card (coming soon)

Insurance not included (among the main types)

  • Medical travel insurance
  • Trip cancelation insurance
  • Trip interruption insurance

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

Earn rates (and effective return at our Flytrippers Valuation)

6 points per $ (3%):

  • Travel booked through Expedia For TD

4.5 points per $ (2.25%):

3 points per $ (1.5%):

  • Recurring bill payments set up on your Account

1.5 points per $ (0.75%):

  • All other purchases

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool TD Rewards points with additional cards (“joint” cards) added to this account. Additional cards have a fee of $35 (rebated in the 1st year).

‣ Details about pooling rewards with additional cards (coming soon)

Pooling (with separate cards that earn TD Rewards points)
You can pool points across your separate cards that earn TD Rewards points.

‣ Details about pooling TD Rewards points from separate cards (coming soon)

Pooling (with travel companions)
You cannot pool TD Rewards points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling TD Rewards points with travel companions (coming soon)

Expiration (if you have the card)
TD Rewards points never expire as long as you have the TD Platinum Travel Visa* Card!

‣ Details about TD Rewards points expiration (coming soon)

Expiration (if you don’t have the card)
You have 3 options to easily keep your TD Rewards points from expiring even without the card:

  • Change the card to its no-fee version instead of closing it
  • Combine points with those from another card that earns TD Rewards points
  • Redeem points in the 90 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

  • Apply for the  TD Platinum Travel Visa* Card
  • Make 1 purchase (no minimum) to unlock 1st part of bonus
  • Spend $1,000 (in a maximum of 90 days) to unlock 2nd part of bonus

Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

How to use/manage rewards

  • Create a TD online account in a few clicks
  • Use/manage your TD Rewards points on the TD website

‣ Learn more about how to use/manage TD Rewards points (coming soon)

Card eligibility

  • Minimum income: $0
  • Age: Majority in your province
  • Estimated credit score: Good OR Excellent
  • Credit bureau: Equifax Canada

Details about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have activated or closed the TD Platinum Travel Visa* Card in the past 12 months.

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

Offer end date
Offer effective as of January 7, 2025.

Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

Summary of card details

  • Issuer: TD Bank Canada (Toronto-Dominion)
  • Network: Visa
  • Card type: Credit card
  • Product type: Personal card
  • Rewards: TD Rewards points
  • Rewards class: Bank rewards

‣ Details about credit card basics (coming soon)

Fees

  • Card fee: $89/year (rebated in the first year)
  • Fee for optional additional card: $35/year (rebated in the first year)
  • Foreign transaction fee: 2.5%
  • Balance transfer fee: 3%

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

Annual interest rates

  • Purchases: 20.99%
  • Funds advances: 22.99% (20.99% for Québec residents)

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Earn up to $370 in value, including up to 50,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply.  

Earn up to $370 in value, including up to 50,000 TD Rewards Points and no annual fee for the first year. Conditions apply.  Offer effective as of January 7, 2025.

  • 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 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 Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.

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.

  • Flight/Trip Delay InsuranceUp to $500 in coverage if your flight/trip is delayed more than 4 hours.
  • Delayed and Lost Baggage InsuranceUp to $1,000 overall coverage per insured person toward the purchase of essentials such as clothing and toiletries if your baggage is delayed more than 6 hours or lost.
  • Common Carrier Travel Accident InsuranceUp to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, or train).
  • Auto Rental Collision/ Loss Damage InsuranceUse your eligible Canadian TD Credit Card to charge the full cost of a car rental and get the Auto Rental Collision/Loss Damage Insurance at no additional cost
  • Emergency Travel Assistance ServicesHelp is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
  • Save with Avis Rent A Car and Budget Rent A Car:Use your Canadian TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
  • Mobile Device InsuranceUp to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
  • Purchase Security and Extended Warranty ProtectionYou automatically have access to Purchase Security and Extended Warranty Protection, which includes coverage for most eligible new items you’ve purchased with your Card, should they be stolen or damaged within 90 days of purchase.
  • Hotel/Motel Burglary Insurance Coverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder.

Terms and conditions apply.

Start earning rewards today

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)

via TD secure application

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Terms & conditions — Travel rewards

Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here.

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