TD Platinum Travel Visa Card
Travellers who don't meet Visa Infinite income requirements but want elevated travel-points earning.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A reasonable mid-tier travel card, though the missing travel medical coverage is a notable gap. Those who qualify should prefer the First Class Travel Visa Infinite.
Reward rates
Expedia For TD bookings 6 TD Rewards Points per $1 when you book travel through Expedia For TD | 6x |
Groceries | 4.5x |
Dining | 4.5x |
Public transit | 4.5x |
Recurring bill payments | 3x |
Streaming, digital gaming & media | 3x |
All other purchases | 1.5x |
VaultNerd values these points at ~0.5¢ each.
Welcome bonus
Up to 50,000 TD Rewards Points (15,000 on first purchase + 35,000 with initial spend) plus a first-year annual fee rebate; TD values the full offer at up to $370. Value shown is points at 0.5 cents each plus the $89 fee rebate.
Requirement: Spend $3,000 within 180 days of account opening; first purchase within 3 months for the fee rebate
Pros
- Solid 4.5x earn on groceries, dining and transit with no income requirement
- First-year fee rebate on the current offer
Cons
- No travel medical insurance (optional purchase only)
- Points worth only ~0.5 cents and best used via Expedia For TD
Perks
- No minimum income requirement
- Points worth more when redeemed through Expedia For TD (200 points = $1)
- No travel blackouts, seat restrictions or point expiry
- Earn 50% more points at Starbucks when you link your card
- Mobile device insurance included
Insurance
- Flight/trip delay
- Delayed and lost baggage
- Common carrier travel accident
- Auto rental collision/loss damage
- Hotel/motel burglary
- Purchase security and extended warranty
- Mobile device insurance
Frequently asked questions
Is the TD Platinum Travel Visa Card worth it?
It charges a $89 annual fee, and we rate it 3.5 out of 5. It's best suited to travellers who don't meet Visa Infinite income requirements but want elevated travel-points earning. The welcome bonus is worth roughly $339, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the TD Platinum Travel Visa Card earn?
It earns 6x on expedia for td bookings, 4.5x on groceries and 4.5x on dining. We value these points at about 0.5¢ each, so the top rate works out to roughly 3.0% back.
What credit score do you need for the TD Platinum Travel Visa Card?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“TD Platinum Travel Visa Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/td-platinum-travel-visa, updated June 2026.
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