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TD Platinum Travel Visa Card review

3.5Rated by the CreditCardGuru Editorial Team

A reasonable mid-tier travel card, though the missing travel medical coverage is a notable gap — those who qualify should prefer the First Class Travel Visa Infinite.

At a glance

Annual fee
$89
Welcome bonus
~$339
Foreign tx fee
2.5%
Network
VISA
Rewards
points
Purchase APR
21.99%

Rewards & earn rates

Expedia For TD bookings6 TD Rewards Points per $1 when you book travel through Expedia For TD6x
Groceries4.5x
Dining4.5x
Public transit4.5x
Recurring bill payments3x
Streaming, digital gaming & media3x
All other purchases1.5x

Welcome offer: Up to 50,000 TD Rewards Points (15,000 on first purchase + 35,000 with initial spend) plus a first-year annual fee rebate; TD values the full offer at up to $370. Value shown is points at 0.5 cents each plus the $89 fee rebate. (Spend $3,000 within 180 days of account opening; first purchase within 3 months for the fee rebate).

Pros & cons

Pros

  • Solid 4.5x earn on groceries, dining and transit with no income requirement
  • First-year fee rebate on the current offer

Cons

  • No travel medical insurance (optional purchase only)
  • Points worth only ~0.5 cents and best used via Expedia For TD

Perks & insurance

Key perks

  • No minimum income requirement
  • Points worth more when redeemed through Expedia For TD (200 points = $1)
  • No travel blackouts, seat restrictions or point expiry
  • Earn 50% more points at Starbucks when you link your card
  • Mobile device insurance included

Insurance

  • Flight/trip delay
  • Delayed and lost baggage
  • Common carrier travel accident
  • Auto rental collision/loss damage
  • Hotel/motel burglary
  • Purchase security and extended warranty
  • Mobile device insurance

Rates & fees

Annual fee
$89
Purchase interest
21.99%
Cash advance
22.99%
Foreign transactions
2.5%

First year rebated with current offer; rebated annually with a TD All-Inclusive Banking Plan.

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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