TD Business Travel Visa

Annual fee

$149 · waived year one

Welcome offer

Up to 200,000 points

Market

Canada · CAD

Biggest part of the offer: Spend $15,000 in your first 180 days.

See full terms at TD

What it's worth before you spend

Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.

Year 1

$750

+$750 welcome bonus
+$0 yearly credits
−$0 fee (waived)

Year 2

$101

+$250 welcome bonus
+$0 yearly credits
−$149 fee

Every year after

−$149

Costs $149 a year until your spending covers it.

Plus 10 benefits with no fixed dollar value, like Avis and Budget rental discount, Emergency Medical Insurance and Trip Cancellation Insurance. Their worth depends on how you use the card, so they're not counted above. See them all

Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.

Welcome offer

Offer may end without notice. Not available if you opened a TD Business Travel Visa account in the last 12 months. TD may limit the number of accounts and bonuses per person or business. The first-year fee rebate covers you and up to four additional cardholders added while the offer runs. Closing the account or switching to another TD card may forfeit bonus points not yet awarded and the fee rebate.

1Make your first purchase30,000 pts≈ $150 est.Year 1
2Spend $15,000 in your first 180 days120,000 pts≈ $600 est.Year 1
3Spend $25,000 in your first 365 days30,000 pts≈ $150 est.Year 2
4Make any purchase during your 15th month's billing cycle20,000 pts≈ $100 est.Year 2
First-year annual fee waived$149savedYear 1

Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.

What it earns

Valued at 0.5¢ per TD Rewards point.

Where you spend	Earns	Back per $1 (est.)
Dining & Restaurants	6 pts per $	3¢
Transit	6 pts per $	3¢
Recurring Bills	6 pts per $	3¢
Streaming	6 pts per $	3¢
Everything else	2 pts per $	1¢

What else you get

Perks

Avis and Budget rental discount
At least 10% off base rates in Canada and the U.S. and at least 5% internationally, at participating Avis and Budget locations

Insurance · 9

Emergency Medical Insurance
Out-of-province emergency medical, up to $2,000,000, first 15 days of a trip under 65, 4 days if 65 or over
Trip Cancellation Insurance
Up to $1,500 per person and $5,000 per trip if you cancel before departure
Trip Interruption Insurance
Up to $5,000 per person and $25,000 per trip if a trip is cut short
Flight Delay Insurance
Meals and hotel when a flight or trip is delayed 4+ hours, up to $500

Show all 9

Delayed and Lost Baggage Insurance
Essentials when checked bags are delayed 6+ hours or lost, up to $1,000 per person
Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days, vehicles up to $65,000
Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus, ferry or rental car, up to $500,000
Purchase Protection
Most new items protected if stolen or damaged within 90 days of purchase
Extended Warranty
Doubles a Canadian manufacturer's warranty, up to 1 extra year

Got this card? We'll tell you when to use it.

PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.

Fine print

Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by TD. Card and program names belong to their owners.

Details last checked Sep 28, 2026.