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Pros & Cons

Pros

  • +First Year Annual Fee Rebate ($89 annual fee rebated)
  • +Welcome Bonus: 50,000 points
  • +Up to 4.5x on Transit

Cons

  • Foreign Transaction Fee (2.5%)

Our Review

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a first-year annual fee rebate:

  • 15,000 TD Rewards points for the first purchase made with your card
  • 35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening

This TD travel rewards credit card requires no minimum income.

Rewards

All Spending

1.5x

TD Rewards pts per dollar

Transit

4.5x

Groceries

4.5x

Restaurants

4.5x

Recurring

3x

Streaming

3x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.25¢1.5¢
Groceries4.5x
$700/month
Gas & EV1.5x
$200/month
Transit4.5x
$100/month
Restaurants4.5x
$300/month
Pharmacy1.5x
$50/month
Travel1.5x
$150/month
Bills & recurring payments3x
$250/month
Telecom1.5x
$150/month
Entertainment & streaming3x
$100/month
Office supplies1.5x
$0/month
All other spending1.5x
$500/month

Points Earned

90,900

TD Rewards/yr

Estimated Value

$455

After Fees

+$455

1st Year Value

$705

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 4.5x37,800 pts
Gas & EV$2,400/yr × 1.5x3,600 pts
Transit$1,200/yr × 4.5x5,400 pts
Restaurants$3,600/yr × 4.5x16,200 pts
Pharmacy$600/yr × 1.5x900 pts
Travel$1,800/yr × 1.5x2,700 pts
Bills & recurring payments$3,000/yr × 3x9,000 pts
Telecom$1,800/yr × 1.5x2,700 pts
Entertainment & streaming$1,200/yr × 3x3,600 pts
All other spending$6,000/yr × 1.5x9,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year3.03x
Average earn rate on spend 1st year with welcome bonus4.7x
Total points earned on spend90,900 pts
Welcome bonus points+50,000 pts
  • Earn 50,000 TD Rewards after $3,000 in purchases in 6 months
Total points earned140,900 pts
Value of accumulated points$705

Travel Insurance

Delayed Baggage

Up to $1,000

Lost Baggage

Up to $1,000

Flight Delay

Up to $500

Hotel Burglary

Up to $2,500

Travel Accident

Up to $500,000

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Mobile Device

Up to $1,000

Auto Rental

Up to $65,000 / 48 days

Interest Rates

  • Purchase Rate
    21.99%
  • Cash Advance
    22.99%
  • Foreign Transaction Fee
    2.5%

Terms & Conditions

Card Features

Earn up to $370 in value, including up to 50,000 TD Rewards Points and receive an annual fee rebate for the first year†. Conditions apply.

  • Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card.
  • 35,000 TD Rewards Points when you spend $3,000 within 180 days of Account opening.
  • Get an annual fee rebate for the first year

To receive the first-year Annual Fee Rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee Rebate, you must add your Additional Cardholder(s) while the offer is in effect.

Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn TD Reward Points on all the things you normally do, whether you use your Card for groceries, dining, paying bills streaming services or booking travel. The rewards will add up quickly so you can enhance your everyday experiences and enjoy a wide variety of rewards.

  • Earn 6 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD.
  • Earn 4.5 TD Rewards Points for every $1 you spend on Groceries, Dining, and Public Transit†.
  • Earn 3 TD Rewards Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
  • Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card.
  • Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions Apply.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. EducFinance may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.