Earn rates
Travel booked online through Expedia For TD earns 9x points. Dining, EV charging, public transit, streaming and digital media, recurring bill payments, and foreign-currency purchases all earn 6x, up to a combined $80,000 in net annual spend, after which they earn the 2x base rate. Every other business purchase earns 2x. Points are worth 200 to the dollar against travel booked on Expedia For TD, so 9x works out to about 4.5% back and the 2x base to about 1%.
| Spending category | Earn rate | Points per $100 spent |
|---|---|---|
| Travel via Expedia For TD (online) | 9x TD Rewards | 900 pts |
| Dining, EV charging, transit, streaming, recurring bills, foreign currency | 6x TD Rewards | 600 pts |
| All other business purchases | 2x TD Rewards | 200 pts |
Key benefits
| Benefit | Details |
|---|---|
| Welcome bonus | Up to 200,000 points: 30,000 on first purchase, 120,000 after $15,000 spend in 180 days, 30,000 after $25,000 spend in 365 days, and 20,000 for a purchase in the 15th month. |
| First-year fee rebate | The $149 primary fee and the $49 fee on up to four additional cards are rebated for the first year on a new account. |
| Expense management | The TD Card Management Tool tracks spending across all cards on the account and exports for bookkeeping. Add additional employee cards as needed. |
| Visa SavingsEdge | Automatic savings on eligible business purchases at participating merchants, applied without coupons or codes. |
| Flexible redemption | Redeem on Expedia For TD with no blackout dates, plus Amazon.ca, statement credits, and other partners. Points do not expire while the account stays open. |
| Travel insurance | Travel medical, trip cancellation and interruption, flight and baggage delay, and rental car coverage are included. Full limits below. |
What your monthly business spend earns
| Category | Monthly spend | Rate | Monthly pts |
|---|---|---|---|
| Dining, transit, recurring & FX | $1,000 | 6x | 6,000 |
| All other business purchases | $4,000 | 2x | 8,000 |
| Total | $5,000 | 14,000 pts / mo |
168,000 pts / year (~$840 in Expedia For TD travel, ~$691 net of the $149 fee). ~1.40% effective return. Travel booked through Expedia For TD earns 9x and adds to this on top of everyday spend.
Travel insurance on the TD Business Travel Visa Card
Rental car pays first
The TD Business Travel Visa Card scores 76 of 100 on the figures its certificate publishes, joint 22nd of the 59 Canadian cards compared. Emergency medical is capped at $2,000,000 for trips up to 15 days. At 65 the longest covered trip falls from 15 days to 4.
| Emergency medical | $2,000,000 · age 0–64: 15 days; age 65+: 4 days · 90-day stability window |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $500 per person · after 4 hours |
| Baggage delay | $1,000 per person · after 6 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
A booking made with points still qualifies. You have 45 days from the incident to report a claim. Dependent children are covered to age 22.
Every figure from the certificate, with its own wording
| Emergency medical | limit: $2,000,000 (per Insured Person per Covered Trip) age 0–64: 15 days; age 65+: 4 days pre existing stability days: 90 days (applies to Insured Persons under 65 years of age; 180 days for Insured Persons 65 years of age or older) |
|---|---|
| Trip cancellation | per person: $1,500 (per Insured Person per Covered Trip) per account: $5,000 (total per Covered Trip for all Insured Persons on the same Covered Trip) covered reasons: death of an Insured Person or Travelling Companion, sudden and unexpected sickness or accidental injury of an Insured Person or Travelling Companion, death of an Immediate Family Member of the Insured Person (Medical Covered Causes for Cancellation; enumeration truncated at 40 words, further medical and non-medical causes are listed in the certificate) |
| Trip interruption | per person: $5,000 (per Insured Person per Covered Trip) per account: $25,000 (total per Covered Trip for all Insured Persons on the same Covered Trip) |
| Flight or trip delay | per person: $500 (covers meals, accommodation and additional ground transportation while delayed) trigger hours: 4 hours (measured from the departure time in the itinerary supplied to the Insured Person) |
| Baggage delay | per person: $1,000 (per Covered Person per Trip, shared with the lost baggage benefit) trigger hours: 6 hours (measured from the Covered Person’s time of arrival at the Final Destination) |
| Lost, stolen or damaged baggage | per person: $1,000 (per Covered Person per Trip, shared with the delayed baggage benefit) |
| Travel accident | limit: $500,000 (accidental loss of life benefit amount; a $2,000,000 maximum applies to any one Rental Car Accident) common carrier only: No (benefits are also paid for a Loss while operating or riding in a Rental Car under Section 3) covers 24h: No (benefits are paid for a Loss while riding in, entering or exiting a Common Carrier, at the airport, terminal or station, and in a Rental Car) |
| Emergency travel assistance | offered: Yes (assistance services only, not an insurance benefit) |
| Rental car collision or damage | is primary: Yes (except for losses waived or assumed by the Rental Agency or their insurer, or where local government insurance legislation states otherwise) limit basis: the rental vehicle’s actual cash value plus valid Loss of Use charges vehicle value cap: $65,000 (Manufacturer’s Suggested Retail Price excluding all taxes, at the time and place of loss) max rental days: 48 days (consecutive days; no coverage for any part of a rental period that exceeds 48 consecutive days) excluded classes: vans, cargo vans or mini cargo vans (other than Mini-Vans as described above), trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck, limousines (enumeration truncated at 40 words; further excluded classes are off-road vehicles, motorcycles, mopeds, motor bikes, trailers, campers, recreational vehicles, mini-buses and buses) territory: Coverage is available except where prohibited by law. |
| Purchase protection | days: 90 days (from purchase, for all risk of direct physical loss or damage, anywhere in the world) |
| Extended warranty | years added: 1 year (equal to the Manufacturer’s Warranty period or one year, whichever is the lesser; the certificate prints the figure in words, the TD product summary prints one (1) year) cap: $60,000 (maximum aggregate lifetime benefit per Account Holder across all TD Credit Cards, shared with Purchase Security) |
Figures above are from the TD Business Travel Visa Benefit Coverages Guide, underwritten by TD Life Insurance Company; TD Home and Auto Insurance Company. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
Good fit if
- You run a business that books travel through Expedia For TD, where the 9x rate and the up-to-200,000-point welcome bonus return the most value.
- You cannot meet the personal income test on a Visa Infinite card. This card has no income requirement.
- You want a flat 2x floor on all business spending, so categories that earn 1x on most cards still earn double here.
Not sure this is the card for how you travel? Book a free conversation, or see membership plans for ongoing help.
Less useful if
- You book travel directly with airlines and hotels rather than through Expedia For TD, where the top rates do not apply.
- You want transferable points for premium-cabin redemptions. The TD Rewards points here are worth about 0.5¢ each on travel, not the higher value of airline miles.
- You are a sole proprietor with modest spend. The personal TD First Class Travel Visa Infinite may earn comparably with a lower fee.