TD Platinum Travel Visa
Skip for nowWhat the roles mean
- Groceries, dining and transit: 4.5 TD points per $1 (about 2.25% if you book travel on Expedia For TD)
Earn up to 50,000 TD Rewards Points (≈ $250 in Expedia For TD travel) + a first-year annual-fee rebate — TD markets "up to $370 in value."
Checked on TD's own page October 21, 2026. See TD's page
What it earns in a year
102,600 points a year
Worth about $321 after the $89 fee at the simplest redemption, up to $424 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel: 6× points.
- Groceries (First $15,000 a year, then 1.5× points): 4.5× points.
- Dining & restaurants (First $15,000 a year, then 1.5× points): 4.5× points.
- Transit (First $15,000 a year, then 1.5× points): 4.5× points.
- Bills & subscriptions (First $15,000 a year, then 1.5× points): 3× points.
- Everything else: 1.5× points.
Highlighted = use this card here.
Using your points
On the spending above, 102,600 points a year: worth $410 the easy way, $513 the best way.
- Easy way (0.4¢): TD's Book Any Way travel credit (Amazon and merchandise pay less)
- Best way (0.5¢): Expedia For TD: 200 points = $1
How to apply for the TD Platinum Travel Visa
Check first
- Bonus not for recent holders: you can't get it if you activated or closed a TD Platinum Travel Visa in the last 12 months
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries, dining, transit: 4.5 points per $1, first $15,000 a year in each
- Bills and streaming: 3 points per $1, first $15,000 a year combined
- Travel on Expedia For TD: 6 points per $1
- Redeem on Expedia For TD: 200 points = $1. Other redemptions pay 0.25–0.4¢ a point
- Everything else: use another card. 1.5 points per $1 is worth about 0.75¢
- Example: $800/month groceries + $250/month dining = 56,700 points = $283 on Expedia For TD
Key facts
- Annual fee
- $89
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- TD RewardsSee every TD Rewards card
Annual fee waiver
- TD All-Inclusive Banking Plan: $89 fee (and $35 additional card) rebated every year
- The catch: the plan costs $30.95/month ($22.45 at 60+) unless you keep $6,000 in it every day
- One card only: the plan rebates one TD card a year. It covers the $139 First Class Travel card in full too
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, drugstore / pharmacy, entertainment, everything else
- Together: $681 a year after both fees, vs $321 with this card alone
- With this card's $89 fee rebated (see Fee waiver): $770 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, drugstore / pharmacy, entertainment, everything else makes it $840 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Welcome: up to 50,000 points (15,000 on first purchase + 35,000 after $3,000 in 180 days) = $250 on Expedia For TD
- First-year fee rebated, plus the first additional card
- No minimum income stated
- $15,000 caps are high enough for most households
- $1,000 phone insurance
Cons
- $89 a year from year two (see fee waiver)
- Points are worth 0.5¢ only on Expedia For TD; 0.25¢ as a statement credit
- No airline or hotel transfer partners
- No travel medical, trip cancellation or trip interruption insurance
- No lounge visits, travel credit or birthday bonus
- TD First Class Travel Visa Infinite pays more on the same categories (6 points vs 4.5) and its fee is rebated by the same plan
- 2.5% on foreign-currency purchases
Insurance included
- Flight delay: $500 per person, after 4 hours
- Delayed or lost bags: $1,000 per person per trip
- Travel accident: $500,000 on a plane, train, bus or ferry
- Rental car damage: up to 48 days, cars up to $65,000
- Hotel burglary: $2,500
- Phone: $1,000, depreciated value less a deductible
- Purchases: 90 days of theft/damage cover, +1 year warranty
- Not included: travel medical, trip cancellation, trip interruption
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Starbucks: link the card for 50% more points
- Uber One: 3-month free trial
- TD Payment Plans: split $100+ purchases over 6, 12 or 18 months
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD Platinum Travel Visa | 4.5× points≈ 2.3% in value | $216 | $89 | October 21, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| TD Platinum Travel Visa | 4.5× points≈ 2.3% in value | $68 | $89 | October 21, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 50,000 pts: 15k first purchase + 35k ($3,000 / 180 days). "Up to $370 in value."Unchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated March 2, 2026; $89 fee, 21.99% purchases | $89, rebated yr 1 (primary + first additional $35) | none stated |
| October 17, 2026 | Up to 50,000 pts: 15k first purchase + 35k ($3,000 / 180 days). "Up to $370 in value."Offer unchanged vs §2 (dated March 2, 2026). Uber One trial is 3 months, not 6 | $89, rebated yr 1 (primary + first additional $35) | none stated |
General information, not financial advice. Offers change; confirm on TD's page before you apply.