Illustration, not the actual card design.
TD · Earns TD Rewards points
TD Platinum Travel Visa
Annual fee
$89 · waived year one
Welcome offer
Up to 50,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $3,000 in your first 180 days.
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
$250
+$250 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
−$89
Costs $89 a year until your spending covers it.
Every year after
−$89
Costs $89 a year until your spending covers it.
Plus 8 benefits with no fixed dollar value, like Avis and Budget rental discount, Flight and Trip Delay Insurance and Delayed and Lost Baggage Insurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 7, 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 activated or closed a TD Platinum Travel Visa account in the last 12 months. If the card isn't activated while this offer runs, TD may switch you to whichever offer is current when you activate. The first-year fee rebate needs the card activated and a first purchase within 3 months of opening; your first additional cardholder must be added while the offer runs.
- 1Make your first purchase15,000 pts≈ $75 est.Year 1
- 2Spend $3,000 in your first 180 days35,000 pts≈ $175 est.Year 1
- First-year annual fee waived$89savedYear 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 & RestaurantsUp to $15,000/yr of spend | 4.5 pts per $ | 2.25¢ |
| TransitUp to $15,000/yr of spend | 4.5 pts per $ | 2.25¢ |
| GroceriesUp to $15,000/yr of spend | 4.5 pts per $ | 2.25¢ |
| Recurring BillsUp to $15,000/yr of spend | 3 pts per $ | 1.5¢ |
| StreamingUp to $15,000/yr of spend | 3 pts per $ | 1.5¢ |
| Everything else | 1.5 pts per $ | 0.75¢ |
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 · 7
- Flight and Trip Delay Insurance
Delays over 4 hours, up to $500
- Delayed and Lost Baggage Insurance
Bags delayed 6+ hours or lost, up to $1,000 per insured person overall
- Rental Car Collision Damage Insurance
Rental car collision damage, rentals up to 48 consecutive days
- Hotel Burglary Insurance
Items stolen from your hotel or motel room, up to $2,500 per occurrence
Show all 7Show fewer
- Common Carrier Travel Accident Insurance
Accidental injury or death on a common carrier, up to $500,000
- Mobile Device Insurance
Loss, theft, damage or breakdown, up to $1,000
- Purchase Security
New items stolen or damaged within 90 days
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 Oct 7, 2026.