Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

TDTravel Rewards

TD Platinum Travel Visa Card

Our take: strongest for travel — about 3% back in value (est.) for $89 a year, plus a welcome bonus we value at roughly $250.

Welcome bonusEarn up to 50,000 TD Rewards Points as a welcome bonus, plus a first-year fee rebate

Apply on TD’s site →

Goes straight to TD
Our review

The TD Platinum Travel Visa Card is a mid-tier travel rewards card that earns an elevated rate on Expedia For TD bookings and on everyday categories like groceries, dining, and transit, up to annual caps, plus a flat rate elsewhere. With an $89 annual fee that’s rebated under TD’s current offer and a straightforward TD Rewards Points program, it’s positioned between TD’s no-fee cards and its premium Visa Infinite travel cards. The included coverage is narrower than it first looks: TD bundles flight and trip delay, delayed and lost baggage, common carrier travel accident, auto rental collision/loss damage and hotel/motel burglary insurance, but travel medical, trip cancellation and trip interruption are sold separately as optional TD travel insurance rather than included with the card.

3.2out of 5

MoneyMint rating

#27 of 30 travel rewards cards · How we rate

Rewards value

4/10

Insurance

8/10

Flexibility

8/10

Welcome bonus

4/10

Fee value

10/10

Perks

2/10

≈ $535

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual fee

$89rebated year one under current offer

Rewards rate

Up to 6 pts/$1Expedia For TD bookings

Welcome bonus

Up to 50,000 TD Rewards Pointsplus first-year fee rebate

Rewards

~3%on travel (est. value)

Credit score needed

Good

Foreign transaction fee

2.5% (est.)

Purchase APR 21.99% · Cash advance APR 22.99%

Pros & Cons

Pros

6 TD Rewards Points per $1 on Expedia For TD bookings is a strong rate for travel-focused spending
4.5 points per $1 on groceries, dining, and transit (up to $15,000/year each category) covers common everyday spending
First-year annual fee rebate under TD’s current offer lowers the cost of trying the card
TD Rewards Points can be redeemed flexibly for travel, merchandise, or statement credits
Included coverage: delayed and lost baggage, auto rental collision/loss damage, purchase security and extended warranty, plus mobile device insurance up to $1,000

Cons

Travel emergency medical, trip cancellation and trip interruption insurance are not included — TD sells them as optional add-on coverage, so buy separate travel medical insurance before you leave
Bonus categories (groceries, dining, transit) are capped at $15,000/year each; spending beyond that earns the base 1.5x rate
21.99%+ APR applies once you carry a balance
$89 fee returns in later years once the current rebate offer ends
Expedia For TD is a closed travel-booking platform, so the top 6x rate only applies within that ecosystem

Rewards & Earn Rates

Expedia For TD bookings6 pts/$1

Groceries, dining, transit4.5 pts/$1capped at $15,000/yr per category

Recurring bill payments, streaming3 pts/$1

All other purchases1.5 pts/$1

Important: if travel insurance is a deciding factor, note that emergency medical, trip cancellation and trip interruption are not included — TD offers them as optional products you buy on top. Read TD’s benefits guide for the limits and exclusions on the coverage that is included before relying on it while travelling.

Who It’s For

Best for

Travelers who book regularly through Expedia For TD and want an elevated earn rate there
Households with steady grocery, dining, and transit spending who can use the 4.5x categories
Those who want a mid-tier travel card with a lower fee than TD’s premium Visa Infinite options

Not ideal for

Anyone relying on this card specifically for travel medical or trip cancellation insurance without confirming coverage directly with TD first
Big spenders who would exceed the $15,000/year category caps and want uncapped bonus earning
Those who carry a balance regularly, given the 21.99%+ APR

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3.2MoneyMint rating

TD Platinum Travel Visa Card

Best for travel · $89/year · ~$250 welcome bonus (est.)

Apply on TD’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against TD’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by TD and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the TD Platinum Travel Visa Card?

The TD Platinum Travel Visa Card has an annual fee of $89 (rebated for year one under current offer).

What is the rewards rate on the TD Platinum Travel Visa Card?

The TD Platinum Travel Visa Card offers: 6 TD Rewards Points per $1 on Expedia For TD; 4.5 pts/$1 on groceries, dining, transit (capped $15,000/yr each); 3 pts/$1 on recurring bills/streaming; 1.5 pts/$1 elsewhere

Does the TD Platinum Travel Visa Card have a welcome bonus?

Up to 50,000 TD Rewards Points + first-year annual fee rebate Confirm current offer terms and spending requirements on TD’s official page.

What credit score do I need to qualify for the TD Platinum Travel Visa Card?

Generally, you’ll want a good credit score to be considered for the TD Platinum Travel Visa Card. Approval also depends on income and overall credit history, not credit score alone.

Does the TD Platinum Travel Visa Card charge foreign transaction fees?

2.5% (estimated — standard Visa foreign exchange rate; not separately itemized in all TD materials)