TD Canada TrustTravel / TD Rewards

TD Business Travel Visa Card

Our take: a strong fit only if your business books travel through Expedia For TD, where 9 points per dollar is about 4.5% back. Outside that portal the base rate falls to about 1%, which is ordinary.

Welcome bonusUp to $1,300 in value, including up to 200,000 TD Rewards points and the first-year fee rebated for you and up to 4 additional cardholders.

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Our review

The TD Business Travel Visa earns its keep inside TD’s own travel portal. Book through ExpediaForTD.com and you earn 9 TD Rewards points per dollar, which at the 0.5 cents these points redeem for works out to about 4.5% back. Spend anywhere else and you earn 2 points per dollar, or roughly 1%. It also carries a full insurance package and rebates the first-year fee for you and up to four employees, which makes it unusually cheap to put a team on in year one.

3.7out of 5

MoneyMint rating

#8 of 15 business cards · How we rate

Rewards value

5/10

Insurance

10/10

Flexibility

8/10

Welcome bonus

10/10

Fee value

8/10

Perks

0/10

≈ $1,241

estimated first-year value after the annual fee, on a typical $2,050/month budget. Compare all 15 business cards →

At a Glance

Annual fee

$149

rebated in the first year

Additional cards

$49 each

first year rebated for up to 4

Top earn rate

9 points/$1

travel booked through ExpediaForTD.com

Welcome offer

Up to $1,300

including up to 200,000 points

Purchase APR

19.99%

Bonus category cap

$80,000

annual spending

Rates, fees and insurance confirmed on TD’s product page on September 25, 2026.

Pros and Cons

What works

9 points per $1 through Expedia For TD, about 4.5% back at the rate these points redeem for.
6 points per $1 on foreign-currency purchases, which partly offsets the foreign transaction fee.
A full insurance package: travel medical to $2 million, trip cancellation and interruption, flight delay, lost and delayed baggage, common carrier accident, rental car collision, and purchase security with extended warranty.
First-year fee rebated for the primary cardholder and up to 4 additional cards — the most generous employee-card rebate among the business cards we track.

What to watch

TD Rewards points redeem at about 0.5 cents, so headline point totals look far larger than the value behind them.
Outside the portal and bonus categories the card earns 2 points per $1, roughly 1% — beatable by a no-fee 1% cash-back card with no fee at all.
Booking through a portal means giving up direct-with-airline benefits and can complicate changes and refunds.
The 19.99% purchase APR is 5 points higher than TD’s own Aeroplan business card.

What You Earn

9 points per $1Travel booked through ExpediaForTD.com

6 points per $1Dining, EV charging and transit; streaming, digital gaming, media and recurring bills; and foreign-currency purchases

2 points per $1Everything else, and all bonus-category spending above the $80,000 annual cap

Fee rebate$149 annual fee plus up to 4 additional card fees rebated in year one

The headline 200,000-point offer is worth about $1,000 at the 0.5 cents these points redeem for — a large number attached to a modest value, which is worth understanding before you choose this over an Aeroplan card.

Who It’s For

A good fit if

Your business books flights and hotels through Expedia and is happy to keep doing so through TD’s portal.
You want to issue several employee cards and want the first year free on all of them.
You spend meaningfully in foreign currencies and want the 6x to offset the conversion cost.

Look elsewhere if

You book directly with airlines or hotels — the 9x never applies and the base rate is ordinary.
You want points worth more than half a cent; Aeroplan is four times the value per point by our estimates.
You carry a balance; TD’s own Aeroplan business card charges 14.99% against this card’s 19.99%.

Not Sure? Three Cards People Compare It With

TD Aeroplan Visa Business Card

Pick this instead if you want a far lower 14.99% purchase APR and points worth four times as much.

Fee $14914.99% purchase APR, full insurance suite

Read review

RBC Avion Visa Infinite Business

Pick this instead if you want travel points you can transfer to real airline programmes rather than a booking portal.

Fee $175Transferable Avion points, strong insurance

Read review

Scotia Momentum for business Visa

Pick this instead if you would rather have 3% cash back on everyday business costs than travel rewards at all.

Fee $793% on five business categories

Read review

3.7

TD Business Travel Visa Card

Fees and rates confirmed September 25, 2026

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Jen, founder of MoneyMint

Reviewed by Jen. We verify every rate, fee and offer term against the issuer’s own published material before we publish it, and we re-check on a set schedule.

Fees, rates and offer terms in this review were confirmed on the issuer’s own site on September 25, 2026. MoneyMint does not currently have an affiliate relationship with this issuer. Credit card terms change without notice — confirm the current terms on the issuer’s application page before you apply. This is general information, not financial advice.

Frequently Asked Questions

What is a TD Rewards point worth?

About half a cent. TD Rewards points redeem at 0.5 cents each through Expedia For TD, which is the rate we use. That means 200,000 points is roughly $1,000 — a large point total attached to a moderate cash value, so compare it against offers quoted in other currencies carefully.

Do I have to book through Expedia to get value?

To earn the 9 points per $1 rate, yes — it applies only to travel booked through ExpediaForTD.com. You can still redeem points against other travel purchases, but the headline earn rate is portal-only.

How many employee cards can I get free in the first year?

TD rebates the $149 primary fee and the $49 fee for up to 4 additional cards in the first year. From year two, each additional card costs $49 a year.

How does it compare with the TD Aeroplan Visa Business Card?

Both cost $149 with a first-year rebate and carry similar insurance. The Aeroplan card earns points we value at 2.0 cents and charges 14.99% on purchases; this card earns points worth 0.5 cents but pays 9x inside the Expedia portal. If you book through Expedia and never carry a balance, this card can win; otherwise the Aeroplan card is usually the stronger choice.

Does the 6x on foreign-currency purchases cancel out the foreign transaction fee?

Partly. At 0.5 cents per point, 6 points per $1 is about 3% back, and Canadian Visa cards typically charge about 2.5% on foreign purchases — though TD does not state its fee on this product page, so confirm it before counting on the offset.