travel3.5 / 5

TD Platinum Travel Visa Card

Best for

Travellers who don't meet Visa Infinite income requirements but want elevated travel-points earning.

Apply on TD

Annual fee

$89

FX fee

2.5%

Purchase APR

21.99%

Income req.

—

Recommended credit score

680+

Approval difficulty

Moderate approval

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

~$339 value

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

Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.

Written by

The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“TD Platinum Travel Visa Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/td-platinum-travel-visa, updated June 2026.

Sources

TD cardholder agreement and rates & fees disclosure
VaultNerd cards database