TD Platinum Travel Visa Card

TDVisa

TD · Visa

3.4out of 5, our rating

$89 waived in the first year, with 4.5 points a dollar on groceries, dining and transit, each capped at $15,000. No travel medical despite the name.

Annual fee$89Waived the first year
Purchase APR21.99%
Welcome offer15,000 pts
Minimum incomeNot published

Rates and features verified 2026-08-18Full terms and conditionsHow we research cards

What we like, and what we don’t

Worth having

  • 4.5 points a dollar on groceries, dining and transit, each with its own $15,000 annual cap
  • 6 points a dollar on travel booked through Expedia For TD
  • 1.5 points a dollar on everything else, which is a decent base for TD Rewards
  • The fee is rebated in the first year for the primary card and the first additional card
  • Rental car collision damage and $1,000 of mobile device insurance
  • Up to 50,000 points in the welcome offer

Watch out for

  • A card called Platinum Travel with no emergency travel medical and no trip cancellation cover
  • TD Rewards points are worth about half a cent when redeemed through Expedia For TD
  • The cap year runs from your first statement in January to the following January, not from your account anniversary
  • The fee rebate is first year only
  • Additional cards cost $35 each after the first year

What this card earns

Groceries
4.5x
Dining and restaurants
4.5x
Travel
6x
Recurring bills and subscriptions
3x
Transit
4.5x
Entertainment
3x
Everything else
1.5x
Bonus rates apply up to
$15,000 of annual spending after that, the base rate
Bonus categories at once
6 you choose which
What we value a point at
0.5¢

The earning fine print

6 TD Rewards Points per $1 on travel booked through Expedia For TD; 4.5 points per $1 on groceries, dining and public transit, which TD's page caps at $15,000 of annual spend per category; 3 points per $1 on recurring bill payments and streaming/digital purchases; 1.5 points per $1 on everything else. Conservative reading: $15,000 recorded as the binding annual cap on the 4.5x categories. TD does not publish whether the cap resets on the calendar year or the account anniversary, nor definitively whether the $15,000 is per category or shared. Treat the shared reading as the risk case.

The welcome offer

Welcome bonus
15,000 points after you spend $0
Second tier
35,000 points after you spend $3,000, within 6 months
Also included
The first-year annual fee is waived

What the offer actually requires

Up to $370 in value: 15,000 TD Rewards Points on the first purchase, 35,000 points after $3,000 of spend within 180 days, and a first-year annual fee rebate for the primary cardholder and the first additional cardholder. Offer effective March 2, 2026; no end date published.

Fees and interest rates

Annual fee
$89 waived the first year
Additional card
$35
Foreign transaction fee
Not published by the issuer
Purchase APR
21.99%
Cash advance APR
22.99%

Who can get this card

Minimum personal income
Not published by the issuer

Insurance and benefits

Flight delay
$500
Baggage delay
$1,000
Mobile device
$1,000
Rental car damage waiver
Included
Purchase protection
Included
Extended warranty
Included

What the benefits really mean

Flight/Trip Delay up to $500; Delayed and Lost Baggage up to $1,000; Common Carrier Travel Accident up to $500,000; Hotel/Motel Burglary up to $2,500; Mobile Device Insurance up to $1,000; Auto Rental Collision/Loss Damage; Purchase Security and Extended Warranty Protection (90 days). The Common Carrier Travel Accident certificate additionally pays up to $5,000 family transportation, $10,000 repatriation and $10,000 rehabilitation. No emergency travel medical and no trip cancellation/interruption insurance. Only the first additional cardholder is charged $35; further additional cards are $0. A card called 'Platinum Travel' with no emergency travel medical and no trip cancellation/interruption insurance. The 4.5x categories are capped at $15,000 of annual spend; TD does not say whether that cap is per category or shared. Annual fee rebate covers the primary card and only the first additional card, and only in year one. 6x applies only to bookings through Expedia For TD, not to travel purchased elsewhere. FX fee is NOT PUBLISHED.

Our verdict

Three separate $15,000 caps rather than one shared pool is the detail that makes this card work. That is $45,000 of spending at 4.5 points a dollar, and at TD Rewards values through Expedia For TD that is roughly 2.25% on groceries, dining and transit. For $89, waived in the first year, that is a fair trade.

The name is the problem. There is no emergency travel medical on this card, and no trip cancellation or interruption cover either. A reader who buys a card called Platinum Travel and assumes they are insured abroad is going to be wrong. Buy it for the grocery and dining rate, and buy travel insurance separately.

Cards worth comparing this against

Compare this against every card we track

Where this came from. TD Platinum Travel Visa product page (fees, APRs, earn rates and caps, welcome tiers, insurance amounts) plus the TD Platinum Travel Visa Cardholder Agreement and Benefit Coverages PDF, which confirms the Common Carrier Travel Accident certificate but defers all fee and rate figures to a separate Disclosure Statement.. We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.