TD Business Travel Visa Card

Up to 9 TD Rewards Points per $1 on travel booked through ExpediaForTD; 6 points per $1 on dining, EV charging and public transit; 6 points per $1 on streaming, gaming and recurring bills; 6 points per $1 on foreign currency purchases; 2 points per $1 on everything else. CAP: TD states an $80,000 annual net spend cap and names dining, foreign currency purchases, and recurring bills/streaming as the capped categories, after which those purchases revert to 2 points. CONSERVATIVE READING: treat $80,000 as a single SHARED annual cap across all the 6x categories, not $80,000 per category. TD's wording repeats the same figure for each category and does not state that the limits are separate. TD does not state whether the cap resets on the calendar year or the account anniversary.

Up to 200,000 TD Rewards Points in four parts: 30,000 on first purchase; 120,000 after $15,000 in spend within 180 days; 30,000 after $25,000 in spend within 365 days; and a 20,000-point 15th Month Bonus for one purchase in the 15th month billing cycle. First-year annual fee rebate for the primary cardholder AND up to four additional cardholders ($149 + 4 x $49 = $345 of fees rebated). TD states the offer is 'effective as of March 2, 2026' and publishes no end date. Bonus_tier1 records the largest single tier (120,000 at $15,000); the 30,000 first-purchase and 20,000 month-15 tiers are described here rather than in the tier columns.

Travel medical up to $2 million, first 15 days for cardholders under 65 but only the first 4 DAYS at age 65 and over, a severe drop-off. Trip cancellation up to $1,500 per person to a $5,000 maximum; trip interruption up to $5,000 per person to a $25,000 maximum per trip. Flight/trip delay up to $500 per insured person after a 4-hour delay. Delayed and lost baggage up to $1,000 per trip per insured person after 6 hours. Common Carrier Travel Accident up to $500,000. Auto rental collision/loss damage up to 48 consecutive days. Purchase security 90 days; extended warranty doubles the manufacturer's warranty up to 12 additional months. Redemptions through ExpediaForTD with no blackout dates or seat restrictions. TD Card Management Tool for spend controls. TD's cardholder agreement makes the Cardholder, the Business Borrower and the Individual Borrower(s) 'liable jointly and severally (individually and collectively)'. AGE CLIFF ON TRAVEL MEDICAL: 15 days of cover under 65, but only 4 days at 65+. This is the harshest age cut-off in the segment. The $80,000 bonus-category cap is stated separately against three different categories with the same number; TD never says whether the limits are separate or shared. Recorded as a single shared $80,000. The 200,000-point headline needs $25,000 of spend plus a purchase in month 15, i.e. A second annual fee, to be fully collected. No employee cards are free; the four rebated additional cards are a first-year welcome perk only, and from year two five cards cost $149 + $196 = $345. TD does not publish the foreign currency conversion fee on the product page, in the welcome guide or in the cardholder agreement. The agreement defers to a Disclosure Statement that is not posted publicly. Yet the card pays 6x on foreign currency purchases, so the FX cost is material and unverifiable.