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

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.

Who it suits

The Platinum Travel Visa is a reasonable choice for cardholders who book travel through Expedia For TD regularly but do not meet the income requirement for the Visa Infinite. The 4.5x on groceries and dining is meaningfully higher than the no-fee Rewards Visa, and the 1.5x base rate on all spending is better than the no-fee card’s 1x. The $89 annual fee is recovered quickly at moderate spend levels relative to the no-fee card’s earn rate.

For anyone who qualifies for the First Class Travel Visa Infinite, the $50 fee difference buys considerably more: a $100 annual travel credit, 8x on Expedia For TD versus 6x, lounge access, and full travel insurance. At the same $139 fee point, the TD Aeroplan Visa Infinite offers Aeroplan points with a free checked bag and Nexus credit, which may be a better fit for Air Canada flyers.

Compare: no-fee Rewards Visa → Upgrade: First Class Travel Visa Infinite →