Earn rates

The Platinum Travel Visa earns at four rates. Travel booked through Expedia For TD earns 6x points. Groceries, dining, and public transit earn 4.5x. Recurring bills and streaming or digital subscriptions earn 3x. All other purchases earn 1.5x. Bonus category earn rates apply to a maximum of $15,000 per year in each category.

Spending category Earn rate Points per $100 spent
Travel via Expedia For TD 6x TD Rewards 600 pts
Groceries, dining, public transit 4.5x TD Rewards 450 pts
Recurring bills, streaming / digital 3x TD Rewards 300 pts
Everything else 1.5x TD Rewards 150 pts

TD Rewards points are worth about 0.5¢ each (200 pts = $1) redeemed for travel through Expedia For TD.

Key benefits

No income requirement
The Platinum Travel Visa has no minimum income requirement, making it accessible to a wider range of applicants than the Visa Infinite tier.
Flexible redemption
Points redeem on Expedia For TD with no blackout dates or seat restrictions. Also redeemable at Amazon.ca and other retail partners. Points do not expire while the account remains open.
Mobile device insurance
Coverage up to $1,000 for loss, theft, or accidental damage on a mobile device purchased with the card or on a plan paid with the card.
Purchase security and extended warranty
Purchase security covers new items against theft or damage for 90 days. Extended warranty doubles the manufacturer’s warranty up to 12 additional months.

Travel insurance

The Platinum Travel Visa includes basic travel protections. There is no trip cancellation, trip interruption, or emergency medical coverage. Coverage included:

  • Flight / trip delay: up to $500
  • Lost baggage: up to $1,000
  • Rental car collision / damage
  • Common carrier accident: up to $500,000
  • Hotel / motel burglary: up to $2,500
  • Emergency travel assistance services

For comprehensive travel insurance including emergency medical and trip cancellation, the TD First Class Travel Visa Infinite at $139 includes a full coverage package at the same price point as the TD Aeroplan Visa Infinite.

Good fit if

  • You book travel through Expedia For TD regularly but don't meet the income requirement for the First Class Travel Visa Infinite.
  • You spend meaningfully on groceries and dining. The 4.5x rate clears the no-fee Rewards Visa's 3x quickly enough to cover the $89 fee.
  • You want a better-than-1x base rate. Every dollar earns 1.5x, ahead of the no-fee card's 1x.

Less useful if

  • You qualify for the First Class Travel Visa Infinite. For $50 more it adds a $100 travel credit, 8x on Expedia For TD, lounge access, and full travel insurance.
  • You book travel directly with airlines or hotels. The highest earn rates are tied to the Expedia For TD portal.
  • You fly Air Canada regularly. A TD Aeroplan card earns a transferable currency you can redeem beyond a booking portal.
Compare: no-fee Rewards Visa → Upgrade: First Class Travel Visa Infinite →