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 on the TD Platinum Travel Visa
Rental car pays first
The TD Platinum Travel Visa scores 15 of 100 on the figures its certificate publishes, joint 42nd of the 59 Canadian cards compared.
| 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 21.
Every figure from the certificate, with its own wording
| Flight or trip delay | per person: $500 (covers meals, accommodation and reasonable additional ground transportation; excess over other insurance. Full stop restored where the issuer PDF omitted it.) trigger hours: 4 hours (delay must be caused by inclement weather, equipment failure, or an unforeseen strike or job action. Full stop restored where the issuer PDF omitted it.) |
|---|---|
| Baggage delay | per person: $1,000 (shared maximum with lost baggage; purchases must be made within 96 hours of arriving at the Final Destination) trigger hours: 6 hours (measured from arrival at the Final Destination; no cover for delay on the return home) |
| Lost, stolen or damaged baggage | per person: $1,000 (combined maximum for delayed and lost baggage per Covered Person per trip; excess over Common Carrier and other insurance) |
| Travel accident | limit: $500,000 (loss of life benefit under Section 6 Schedule of Benefits; dismemberment and paralysis benefits scale from this amount) common carrier only: No (Section 5 extends the accident cover to Rental Car accidents charged to the Account, with a $2,000,000 maximum per rental car accident. Full stop restored where the issuer PDF omitted it.) covers 24h: No (benefits are payable only for a Loss occurring on a Covered Trip while riding in, entering or exiting a Common Carrier or Rental Car, or at the airport, terminal or station) |
| Hotel or motel burglary | $2,500 (per occurrence for all Insured Persons; requires evidence of forceful entry and at least 75% of the room cost charged to the Account. Full stop restored where the issuer PDF omitted it.) |
| Emergency travel assistance | offered: Yes (assistance services only, not an insurance benefit; provided by Global Excel Management Inc. Full stop restored where the issuer PDF omitted it.) |
| Rental car collision or damage | is primary: Yes (primary except for losses waived or assumed by the Rental Agency or their insurer, or where local insurance legislation states otherwise) limit basis: the actual cash value of the rented vehicle and valid Rental Agency Loss of Use charges (quoted from the Section 4 description of coverage) vehicle value cap: $65,000 (MSRP excluding all taxes at the time and place of loss. Full stop restored where the issuer PDF omitted it.) max rental days: 48 days (consecutive days; exceeding 48 days voids cover from the first day onward. Full stop restored where the issuer PDF omitted it.) excluded classes: vans, cargo vans or mini cargo vans (other than minivans 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; the certificate continues with off-road vehicles, motorcycles, mopeds or motor bikes, trailers, campers, recreational vehicles, vehicles towing trailers, mini-buses or buses, exotic vehicles, hand-made or under-2,500-unit vehicles, antique vehicles and Tax-free Cars) territory: Coverage is available except where prohibited by law. (cover runs on a 24-hour basis unless precluded by law or in violation of the rental contract in the jurisdiction where it was formed. Full stop restored where the issuer PDF omitted it.) |
| Purchase protection | days: 90 days (all risk of direct physical loss or damage, anywhere in the world, in excess of other applicable insurance) |
| Extended warranty | years added: 1 year (value is in additional years; cover equals the Manufacturer's Warranty period or 1 year, whichever is the lesser, and applies automatically to warranties of 5 years or less) |
| Mobile device | limit: $1,000 (payable as the lesser of repair or replacement cost, not exceeding the depreciated value at date of loss (2% per completed month), less the deductible. Full stop restored where the issuer PDF omitted it.) deductible: $100 (deductible is tiered on Total Cost less taxes: $25 for $0 to $200, $50 for $200.01 to $400, $75 for $400.01 to $600, $100 for $600.01 or more; the top tier is recorded. Full stops restored where the issuer PDF omitted them.) requires full charge: No (at least 75% of the Total Cost must be charged to the Account, or the device funded through a Plan with all monthly wireless bill payments charged to the Account) eligible events: lost, stolen or suffers mechanical breakdown or Accidental Damage (one claim in any 12 consecutive month period and two claims in any 48 consecutive month period) |
Figures above are from the TD Platinum 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 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.
If that describes you, apply for the TD Platinum Travel Visa. Not sure yet? Book a free conversation and we will walk through it together.
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.