TD Platinum Travel Visa* Card review

The TD Platinum Travel Visa* Card offers an impressive earning rate on several keys categories:

• 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 and Restaurants†.
• Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
  

The average dollar value of one TD Reward point is $0.005. To make this math easier, let’s crank up the points.

The best way to redeem your points is by travelling through Expedia for TD portal, where 200 points equal 1 dollar.

You can also book travel through any provider where the value goes down a little for the first $1,200 in spending—250 TD Rewards points are worth $1. Redeeming merchandise is not as valuable, where, depending on the retailer, you’ll get, at best, half and at worth a tenth of the value out of your points.

You can also apply your points as a statement credit if you’re trying to pay down a balance.

• Expedia benefits: If you frequently book through Expedia, this card offers one of the best rewards rates for your bookings.
• Dining and groceries: Earn a high rate of 4.5 points for every dollar spent at restaurants and grocery stores, making your night out on the town or grocery run even more rewarding.
• Travel insurance: The card includes decent travel insurance coverage, ensuring peace of mind during your travels. However, you can upgrade your coverage for an additional fee to unlock emergency medical insurance.

The Platinum Travel Visa credit card from TD provides an impressive selection of travel insurance and everyday protection benefits for cardholders, including:

• Flight delay insurance† of up to $500 if your trip is delayed more than 4 hours.
• Delayed and lost baggage insurance† up to $1,000 per insurance person if delayed more than 6 hours.
• Travel accident insurance† up to $500,000 (while travelling on a common carrier like a plane, train, or bus).
• Rental car insurance† for up to 48 consecutive days up to a maximum MSRP of $65,000.
• Mobile device insurance† up to $1,000 in the event of loss, theft, or accidental damage.
• Extended warranty insurance† that doubles the manufacturer’s warranty up to an additional 12 months.
• Hotel burglary insurance† up to $2,500.
• Optional: Apply for travel medical insurance in case of medical emergencies abroad.
• Optional: Apply for Trip cancellation insurance to help recover trip expenses or the cost of a trip home.
• Optional: Apply for TD Auto Club Membership for roadside emergencies.

Rewards Visa cardholders also receive peace of mind thanks to instant fraud alerts; TD Fraud Alerts continuously monitors your TD account registered mobile phone and automatically alerts you if suspicious activity is suspected.

• Additional rental car savings: You can save 10% with Avis and Budget in Canada and 5% in the U.S.
• No restrictions: There are no travel blackouts or seat restrictions, and your TD Rewards Points never expire as long as your account is open and in good standing.

• Earn more stars at Starbucks: Link the TD Rewards card to your Starbucks account and earn 50% more TD Rewards points and Stars. Conditions apply.
• Mobile wallet compatibility: Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
• TD mobile app: The app allows you to manage your account, view transactions, block international purchases, and more. It's available in the Apple App Store and Google Play. 
• Added payment security: Chip and pin technology for an added layer of security.

The TD Platinum Travel Visa* Card and the TD First Class Travel® Visa Infinite* Card are both tailored for travel enthusiasts, but they cater to slightly different needs. While any card you choose ultimately depends on your individual travel and spending habits, the TD First Class Travel® Visa Infinite* Card shines with better earn rates and insurance (including emergency medical). 

Yes, the TD First Class Travel® Visa Infinite* Card charges $50 more in its annual fee, but just like the TD Platinum Travel Visa* Card, that fee is rebated in the first year. Also, the First Class card gives you an annual TD Travel Credit† with Expedia For TD. 

For frequent travellers, especially those who prefer to book through Expedia, the TD First Class Travel® Visa Infinite* Card offers more value and benefits. 

Disclosures:

†Terms and conditions apply.

Both cards charge the same annual fee which are both rebated in the first year. They both feature the same travel insurance (and sadly both miss emergency medical travel insurance), purchase security, extended warranty and mobile device insurance.

These cards are virtually identical, except for one crucial difference: the points. 

You either earn TD Rewards Points or Aeroplan^® points. With TD, you can book your travel through Expedia or use the “book-any-way” redemption method which reduces your point value, but you can fly anywhere on any airline. With TD’s Aeroplan^® card, you get Aeroplan^® points allowing you to book with Air Canada and its partner airlines. 

Essentially, if you bank with TD and love their rewards program, be sure to take advantage of bundle discounts on their chequing, saving, insurance and mortgage. If you’re not loyal to a bank, and love the Aeroplan^® program, go with the TD® Aeroplan® Visa Platinum* Card. 

Disclosures:

†Terms and conditions apply.

To qualify for the TD Platinum Travel Visa* Card, you need to meet the following criteria:

• You must be a Canadian resident.
• You must be at least the age of majority in your province or territory.

There is no minimum income requirement for this card. However, it is important to have a credit score in the Good range.