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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Apr 25, 2024, 4:56pm

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

• High earn rate for rewards with Expedia.
• Exclusive travel benefits.
• Expensive annual fee.
• Low annual net rewards earnings for average spenders.

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

• Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• This offer is not available for residents of Quebec.
• † Terms and conditions apply.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

• 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
• Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
• Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.
• No travel blackouts, no seat restrictions and no expiry for your TD Rewards Points as long as your account is open and in good standing.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make.

• Earn 8 TD Rewards Points for every $1 you spend when you book travel through Expedia For TD
• Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants
• Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments
• Earn 2 TD Rewards Points for every $1 you spend on other purchase
• Earn an annual Birthday Bonus of up to 10,000 TD Rewards Points, or 10% of the total number of TD Reward Points earned in the previous 12 months

There is an annual spend cap of $25,000 for each of the accelerated categories. Once you exceed that maximum, you’ll earn 2 TD Rewards Points for every dollar spent.

Here’s an example of how many TD Rewards Points you could get in the first year, including 100,000 TD Rewards Points (20,000 welcome bonus plus 80,000 points when you spend $5,000 within 180 days of account opening):

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility, which this card is lacking.

Credit card reward perks include:

• Redeem your TD Rewards Points for your next trip at ExpediaForTD.com and get access to exclusive deals
• Link your eligible card to earn 50% more TD Rewards Points and Starbucks Stars
• Redeem your TD Rewards Points towards purchases at Amazon.ca with Amazon Shop with Points.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you like to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to $1 off travel purchases. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

• Comprehensive travel insurance coverage.
• Discounts on car rentals with Avis and Budget Rent-A-Car.
• Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

More Card Benefits and Features

TD Rewards Program Benefits:  

• Go places on points and redeem through Expedia for TD (where your points are worth more) or book through any other travel agency or website and use your points within 90 days of purchase.
• Shop online for merchandise and gift cards through TDRewards.com
• Pay with rewards and pay down your credit card balance with points.

Travel Benefits:

• Annual $100 TD Travel Credit on your first eligible travel credit purchase of $500 or more made with Expedia for TD
• Travel medical insurance, up to $2 million of coverage for the first 21 days (or the first four days if you or your spouse is aged 65 or older)
• Flight/trip delay insurance, up to $500 in coverage if your flight is delayed for over four hours
• Trip cancellation, up to $1,500 per person with a maximum of $5,000 for all insured persons
• Trip interruption, up to $5,000 per person, with a maximum of $25,000 for all insured persons
• Common carrier travel accident insurance, up to $500,000
• Emergency travel assistance services
• Delayed and lost baggage insurance, up to $1,000 per person if your baggage is delayed more than six hours or lost
• Auto rental collision/loss damage insurance, up to 48 consecutive days
• TD’s Credit Card Travel Insurance Verification Tool lets you  check your insurance benefits
• Hotel/motel burglary insurance, up to $2,500 of coverage 

Additional Benefits and Features:

• TD Payment Plans let you turn purchases of $100 or more into manageable six, 12 or 18 month payment plans
• Save a minimum of 10% off the lowest available base rate with Avis Rent A Car and Budget Rent A Car in Canada and the U.S. and 5% internationally
• Use Apple Pay, Google Pay or Samsung Pay where contactless payments are accepted

Visa Infinite Benefits:

• Complimentary Visa Infinite Concierge 24/7
• Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 hotels
• Visa Infinite Dining Series gives you access to exclusive gourmet events
• Visa Infinite Wine Country Program gives exclusive benefits at over 95 participating wineries in B.C., Ontario and Sonoma Valley, including discounts on wine purchases, complimentary tastings, private vineyard tours and more
• Visa Infinite Entertainment Access provides exclusive access to tickets to curated events
• Visa Infinite Troon Golf provides elevated Troon Rewards Silver Status at over 95 courses and 10% off green fees, merchandise and lessons 
• Mobile device insurance, up to $1,000 of coverage in the event of loss, theft, accidental damage or mechanical breakdown
• Chip and PIN technology provides an added level of security
• Purchase security and extended warranty protection within 90 days or purchase, or double the warranty period (up to 12 months) if the item comes with a manufacturer’s warranty
• Visa Secure provides you with increased security and convenience when you shop online
• Instant TD Fraud Alerts whenever there is any suspected suspicious activity
• Set transaction limits, block international purchases or lock your credit card in the TD app
• Pay online with Click to Pay 

Optional Benefits:

• Optional TD Credit Card Payment Protection Plan helps you with your payment obligations in the event of a covered job loss, total disability or loss of life
• Optional TD Auto Club Membership that provides 24/7 emergency roadside assistance

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Foreign Transaction Fee: 2.50%
• Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by June 3, 2024)
• Any other fees:  Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Why should you get a travel rewards credit card?

A travel rewards card helps you earn points on everyday purchases (like groceries) that can be redeemed for travel-related expenses, like flights and hotels. You even earn points on travel-related bookings, earning 8 TD Rewards Points for every $1 you spend when you book travel through Expedia for TD.

How do you earn TD Rewards Points?

You earn points with travel bookings, shopping at a grocery store or eating at a restaurant, on recurring bill payments and everyday purchases.

How do you redeem TD Rewards Points?

You can redeem your TD Rewards Points when  you book travel online through Expedia for TD, or any other travel provider. You can redeem your points on Amazon.ca with Amazon Shop with Points or shop for merchandise on TDRewards.com. Finally, you can also redeem TD Rewards Points to pay your credit card account balance on the TD app or EasyWeb.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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Expedia For TD: How To Redeem TD Rewards Points?

Expedia is one of the largest online travel booking websites used in the world. Expedia offers its services to customers of various institutions in Canada, such as TD.

For example, TD customers can use the Expedia for TD portal to use their TD Rewards points for travel.

Difference between Expedia.ca and ExpediaforTD.com

Expedia and Expedia for TD are similar platforms: you will find the same prices for the same types of travel. You will be able to book a flight, a hotel room or rent a car.

However, Expedia for TD is only available to selected TD Rewards credit cardholders . Through the Expedia for TD platform, you can redeem your TD Rewards points for travel. There are no blackout dates or restrictions.

While Expedia.ca has its own program: Expedia Rewards .

Which travel to book on Expedia for TD

With Expedia for TD, you can book:

• Vacation packages
• All-inclusive vacation
• Hotel nights
• Rental cars

Don’t forget to use the TD First Class Travel ® Visa Infinite* Card to benefit from travel insurance . And to earn more TD Rewards points!

How to redeem points with Expedia for TD

Redeeming TD Rewards points through the Expedia for TD portal is easy:

• Log in to Expedia for TD
• At the top right, you will see the number of TD Rewards points available and the redeemable value in dollars
• Choose the trip that suits you

At checkout, choose to use your TD points. The text in the green square will tell you the amount and points required. Each 200 points reduces the cost of the trip by $1 .

You can also complete the payment with your credit card if you do not have enough TD Rewards points available.

There you go ! Congratulations on your TD Rewards points savings. We love it!

How to redeem TD Rewards points with Book Any Way Travel

On the TD Rewards page , log in to your profile.

Then, in the Redeem section, click on Book Any Way Travel .

On the next page, click on Redeem your TD Points now .

Enter the requested travel transaction information, then click Next.

The trip must have been purchased within the last 3 months .

You’ll need to confirm the operation and select the number of points to redeem. Each 250 TD Rewards points reduces your bill by $1.

You may receive an error when making this exchange of Book Any Way Travel. Call Customer Service at 1-800-983-8472.

How to earn TD Rewards points

To use the Expedia for TD portal, you must be a TD credit cardholder participating in the TD Rewards program.

For example, with the TD First Class Travel MD Visa Infinite* Card, you can earn 8 TD Rewards points per dollar when you book travel through Expedia for TD.

Another way is to use this practical card for everyday purchases:

• 6 points / $1 for your grocery and restaurant purchases
• 4 points / $1 for recurring bill payments made to your account
• 2 points / $1 for all other purchases

$ 100 TD Travel Credit for hotel, lodging or vacation packages

Plus, with the TD First Class Travel ® Visa Infinite* Card , you’ll receive a $100 TD travel credit on your first eligible travel purchase between January 1 and December 31 of each year.

On January 1, the $100 credit becomes available again. However, it does not accumulate from year to year if not used.

A purchase eligible for travel credit includes :

• the purchase of a stay at a hotel, motel, tourist accommodation or vacation rental of $500 CDN or more through Expedia for TD; or
• the purchase of a vacation package of $500 CAD or more from Expedia for TD, which includes hotel, motel, tourist accommodation or vacation rental and transportation.

All that matters is that $500 or more (in a single transaction) must be charged to the TD credit card, including fees and taxes . Then, 2 to 3 days later, you’ll receive an e-mail from TD confirming the application of the $100 travel credit.

Then the travel credit will simply appear in your account!

Here are the top three TD credit cards that earn TD Rewards points:

• TD First Class Travel ® Visa Infinite* Card

With the TD First Class Travel® Visa Infinite* Card , you can earn up to 100,000 TD Points † and a first year annual fee rebate :

• Welcome Bonus of 20,000 TD Points when you make your first Purchase with your Card †
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
• A Birthday Bonus of up to 10,000 TD Rewards Points †

Get an Annual Fee Rebate for the first year † .

With the TD First Class Travel® Visa Infinite* Card , you get:

• 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD
• 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
• 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
• 2 TD Rewards Points † For every $1 you spend on other Purchases

This TD credit card is one of the best TD travel rewards cards.

• TD Platinum Travel Visa* Card

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 :

• 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 $1,000 within 90 days of Account opening † .

There is no minimum income requirement for this TD credit card.

• TD Rewards Visa* Card

You can earn 15,152 TD Rewards points with the TD Rewards Visa* Card for a limited time. It’s worth about $50 on Amazon.ca .

With the TD Rewards Visa* Card , you earn:

• 4 TD Rewards Points for every $1 you spend when you book travel through Expedia ® For TD †
• 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
• 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account †
• 1 TD Rewards Point per dollar on other purcases †

The TD Rewards Visa* Card has no annual fee and comes with Purchase Security and Extended Warranty Protection.

Frequently asked questions about Expedia for TD

What is expedia for td.

Expedia for TD is TD’s travel booking platform. This site is reserved exclusively for TD credit cardholders.

How does Expedia for TD work?

Expedia for TD is similar to any other travel booking website. You can pay for your trip with your credit card and/or with your TD Rewards points.

How do I use my TD Rewards points to book through Expedia for TD?

To find out how many TD Rewards points you have before booking with Expedia for TD, check your TD online statement. You can also track your points on the TD Rewards portal.

What is the value of a TD Rewards point?

One TD Rewards Point is worth 0.5 cents .

On Expedia for TD, you can use your TD Rewards points in increments of 200 points for a value of $1.

Which TD credit cards are available in Canada for Expedia on behalf of TD?

Many TD credit cards allow you to earn TD Rewards points and book travel through Expedia for TD :

• TD Business Travel Visa* Card

How do I contact Expedia for TD by phone?

You can call Expedia for TD at 1-877-222-6492.

If you would like to book a cruise with Expedia for TD, please call 1-800-707-7327.

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Expedia for TD Review: What You Need to Know

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Put TD Rewards points to work through the Expedia for TD platform, an Expedia portal exclusively for TD credit cardholders that offers the highest redemption value possible for hard-earned TD points.

How does Expedia for TD work?

Is it worth getting expedia for td.

• How to earn TD rewards

How much are TD Rewards points worth?

How to redeem your points on expedia for td, does expedia for td price match, how to log in to expedia for td, pros and cons of expedia for td.

Expedia for TD is an Expedia platform for TD Bank credit cardholders.

TD cardmembers log into the Expedia for TD platform to browse travel deals and redemption options, which include vacation packages, accommodations, exclusive deals and more. TD points are worth more when redeemed through the Expedia for TD platform. Purchasing travel through the platform with a TD credit card earns accelerated TD points.

Expedia.ca vs. Expedia for TD

Expedia.ca is an online travel agency that can be used to book airfare, cruises, hotel accommodations, car rentals and more. 

Expedia for TD is an Expedia platform exclusively for customers with credit cards that earn TD Rewards. TD cardholders who earn cash back or Aeroplan points with their cards can’t access the platform.

Other notable differences between Expedia for TD and Expedia.ca? The former offers accelerated TD Rewards points for money spent on travel purchases through Expedia for TD and a dedicated support team for TD customers, while the latter does not. 

Outside this, Expedia for TD is not unlike its parent platform, Expedia.ca. Cardholders can browse and book flights, hotel stays, car rentals, cruise tickets and more.

TD Rewards points are most valuable when redeemed through Expedia for TD. The platform, accessed at expediafortd.com, also offers an accelerated earn rate of up to 9 TD Rewards points per $1 spent on travel bookings. 

Additional Expedia for TD perks include its price-matching policy on hotels and travel packages and dedicated 24-hour customer support. There are a couple of drawbacks, though. The platform is only for TD credit cardholders who earn TD Rewards points. Plus, there are limitations to Expedia for TD’s price matching — time restrictions apply, and refunds are only issued on flight and hotel packages.

How to earn TD rewards 

Some TD credit cards earn TD Rewards points. Earn rates vary.

TD credit cards that earn TD rewards

The following TD credit cards earn TD Rewards points:

• TD Rewards Visa Card. 
• TD Platinum Travel Visa Card.
• TD First Class Travel Visa Infinite Card.
• TD Business Travel Visa Card. 

For those interested in earning the most TD Rewards Points per dollar, the TD First Class Travel Visa Infinite Card and the TD Business Travel Visa Card carry the highest earn rates. This makes them the best cards for individuals and businesses, respectively.

TD credit cardholders will get the most bang for their buck by redeeming their TD Rewards points through Expedia for TD.

Expect to get around 0.25 to 0.5 cents per TD Rewards point, according to NerdWallet analysis.

The value of TD Rewards points varies depending on the redemption method, but TD Rewards points are at their most valuable when used to redeem travel offers through the Expedia for TD portal. Cardholders can expect to get 0.5 cents per TD Rewards point for travel purchases made through Expedia for TD. 

Cardholders must have at least 200 TD Rewards Points — worth $1 — to make a redemption through the Expedia for TD portal. 

To redeem your TD points on the Expedia for TD platform:

• Register your TD Rewards account on TD’s website. 
• Log into Expedia for TD with your username and password. 
• Find the travel offer you’d like to purchase. 
• Book your offer through the online Expedia for TD portal or by phone.
• Redeem your TD Rewards Points when you book.

Expedia for TD redemption options

The Expedia for TD booking portal offers numerous redemption options: 

• Car rentals.
• All-inclusive vacations.
• Train travel.

How to maximize TD Rewards points

Even if your TD points don’t entirely cover the cost of your booking through the Expedia for TD portal, paying the difference with your TD credit card earns you accelerated points — which gets you closer to another free or discounted travel experience.

Let’s say you book a $500 Air Canada round-trip flight to the Dominican Republic through the Expedia for TD portal. You use 50,000 TD Rewards points towards the booking. This reduces the cost of your trip by $250. You put the outstanding $250 balance on your TD credit card.

Since you can earn up to 9 TD Rewards points for $1 spent through the Expedia for TD portal, the $250 you put on your TD credit card earns you 2,250 TD Rewards Points — which is a value of $11.25 back in your pocket. 

Looking for a travel rewards credit card?

We compared the best options in Canada.

Yes. Customers can take advantage of price matching through the Expedia for TD portal — also called Expedia’s Price Guarantee.

How does price matching work?

Expedia will refund the difference if you find cheaper travel packages or accommodations after booking through the Expedia for TD portal. But there are two important caveats. Expedia will only issue a refund if you find:

• A less expensive flight and hotel package within 24 hours of booking. 
• A cheaper hotel rate up to 48 hours before check-in.   

Pros and cons of Expedia for TD price matching

• Get refunded the difference between your booking and a cheaper travel deal.
• Limited to hotel stays and flight and hotel packages.
• Time restrictions apply. 

Once you’ve registered your TD Rewards account on TD’s website, you can log in to Expedia for TD from:

• tdrewards.com.
• expediafortd.com.

Expedia for TD customer service 

Expedia for TD has a dedicated support team for TD credit cardholders. The team can be reached by phone at 1-877-222-6492 24 hours a day. 

3 tips for using Expedia for TD

Make the most of your TD Rewards points and the Expedia for TD platform with the following tips:

1. Book through Expedia for TD instead of TD’s “Book Any Way.”

Your TD Rewards points are worth 0.5 cents per point when redeemed for travel purchases booked through Expedia for TD. You can also book travel experiences through third-party travel websites and agencies — what TD calls its “Book Any Way” redemption option — but your points won’t go as far. Expect to receive 0.4 cents per point for the first $1,200 of any Book Any Way travel redemption request, and 0.5 cents per point for any amount over $1,200 for the same Book Any Way travel redemption.

2. Use your TD credit card to cover outstanding expenses from Expedia for TD bookings.

You’ll earn TD Rewards points at an accelerated rate when you use your TD credit card to cover outstanding expenses on the Expedia for TD platform. Different cards earn points at different rates:

• TD Rewards Visa earns 4 TD points for every $1 spent on travel purchases through the platform. 
• TD Platinum Travel Visa earns 6 TD points for every $1 spent on travel purchases through the platform.
• TD First Class Travel Visa Infinite earns 8 TD points for every $1 spent on travel purchases through the platform.
• TD Business Travel Visa earns 9 TD points for every $1 spent on travel purchases booked online and 6 TD points for every $1 spent on travel purchases booked by phone through the platform.

3. Don’t wait to shop around.

Expedia for TD will only honour its price-matching policy under specific circumstances. If you’ve booked a flight and hotel package, you have just 24 hours to submit a refund request to Expedia for TD if you find a cheaper package. Hotel bookings have a more generous timeframe: Expedia for TD will issue a price-matching refund up to 48 hours before check-in.

• Redeem TD Rewards points for flights, hotel stays, car rentals, cruise tickets and more. 
• Earn up to 9 TD Rewards points for every $1 spent on travel purchases through Expedia for TD.
• Receive an annual $100 travel credit when booking through Expedia For TD. (Limited to TD First Class Travel Visa Infinite Cardholders).
• Take advantage of Expedia’s price-matching policy to secure the lowest rates for hotels and hotel/flight packages.
• Dedicated Expedia For TD support team available 24 hours a day.
• Limited to TD credit cardholders who earn TD Rewards. 
• Price matching limitations apply.

Frequently asked questions about Expedia for TD

TD points never expire so long as you remain a TD cardholder with an account in good standing. If you don’t earn or redeem any TD Rewards points for at least one year, your account will be deemed inactive. At this time, TD may close your account and offer you the opportunity to redeem your TD Rewards points by a specified date.

There’s no cost associated with accessing the Expedia for TD platform. The travel package options on Expedia for TD are no different than those offered on Expedia.ca, but only certain TD credit cardholders can gain access to it.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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By Keph Senett on January 4, 2022 Estimated reading time: 6 minutes

Expedia For TD: How to maximize your TD travel rewards credit card

Book your flights, hotels and accommodation through the Expedia For TD travel portal to make the most of the travel rewards you earn with your TD Visa.

You’ve surely heard of travel site Expedia, and you’ve heard of TD Bank. But have you ever booked travel through the Expedia For TD website? The program, which marries the travel service with the banking brand, delivers substantial earnings and deals to travellers who book through their branded portal and pay with a TD credit card . Let’s take a look at how the program works, and how to reap the most rewards.

About Expedia For TD

Expedia For TD is a segment of the TD Rewards environment, so the “currency” you’re collecting is TD Points that can be redeemed for merchandise, gift cards, cash and, importantly, travel. Another major benefit of the TD travel program is that it’s flexible. It allows you to use your Points to book your flights, hotels, cruises and excursions directly with any provider you choose. You can use your Points for these purchases, even up to 90 days after the fact. (However, when you book through Expedia For TD, points must be redeemed at the time of purchase.)

When you log into Expedia For TD , you’ll see a TD-branded version of the Expedia site. Here, you can redeem your TD Points for flights, hotels, car rentals and more, but the real incentives come by way of redemption rate, flexibility and earnings. If you redeem through Expedia For TD, no matter what you book, your redemption rate is $0.005 per point.** This is better than the rate you’d get by cashing in on other non-travel rewards. Additionally, you can collect within the TD Rewards environment and outside of it simultaneously. So, when you use Points on purchases at Expedia For TD, you can still collect from your separate airline rewards program. Finally, using the portal assigns bonus points to TD credit cardholders, which can multiply—sometimes dramatically—the number of Points you earn on travel purchases. Conveniently, you don’t have to wait until you’ve racked up thousands of Points to redeem: you can start using your Points as soon as you’ve accumulated 200. There’s even a dedicated 24/7 support line to help you make your bookings.

Are there any drawbacks I should watch out for?

Expedia For TD advertises a price guarantee, but you should be aware that it is time-limited. The company will refund the difference on a flight and hotel package within 24 hours of booking, or a hotel rate up to 48 hours prior to check-in.

The best Expedia For TD credit cards in Canada

• TD First Class Travel Visa Infinite Card
• TD Rewards Visa Card

TD First Class Travel Visa Infinite Card *

Expedia For TD is available to you if you hold any TD Rewards credit card, but the TD First Class Travel Visa Infinite Card gets our recommendation for its high earn rate and bonus Points potential. Travel purchases made at Expedia for TD earn 8 TD points per $1. Travel spends elsewhere earn 2 TD points per $1. Generating bonus Points is easy enough, but for a limited time new card holders can earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. Best yet, your points never expire, so there’s no pressure to redeem.

The First Class Travel Visa Infinite also includes an excellent suite of travel insurance benefits including medical, trip interruption and automotive, and while it fails to offer airport lounge access, it does entitle you to a discount. However, these perks don’t come cheap. The First Class Travel Visa Infinite has a minimum annual income requirement of $60,000 and carries an annual fee of $139, though new applicants can have the first year fee rebated (along with the $50 fee for an additional cardholder).

What are the best ways to benefit from this card?

While this is a solid travel rewards card , new applicants in particular will benefit greatly from the welcome bonus. TD clients with an All-Inclusive banking account may be able to get the $139 annual fee rebated on an ongoing basis, so it’s worth speaking with a representative before you sign up. Frequent travellers who are comfortable shopping through the ExpediaforTD.com portal will get the highest earn rate on travel spends and, at a return of 4.5%** (8 points per $1), the savings will be noticeable. The included insurance package can also help you save a bundle.

Annual fee: $139 (annual-fee rebate—conditions apply to qualify). Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99% Welcome bonus: earn up to $800 in value, including up to 100,000 TD Rewards Points and no Annual Fee for the first year. Conditions apply. Account must be approved by June 3, 2024. You get an annual birthday bonus of 10% of your previous year’s points (up to 10,000 points).

Additional perks: Travel insurance including travel medical up to $2 million, trip cancellation or interruption, travel accident, travel assistance and lost or delayed luggage coverage; auto rental collision/ loss damage insurance (conditions apply); purchase protection and extended warranty

Click here for more details about the TD First Class Travel Visa Infinite *

TD Rewards Visa *

If you’re annual fee-averse, consider the TD Rewards Visa, which will help you bump up your TD Points by offering 4 points per $1 spent at Expedia For TD, 3 points per $1 spent on groceries and restaurants, 2 points per $1 spent on recurring bills, and 1 point per $1 everywhere else. Though not quite as generous in rewards as the other cards in this article, the 4 points: $1 ratio on travel purchases through the online portal results in a return far better than available on most other no-fee cards. This card does not include travel insurance, but it gives cardholders a discount at Avis and Budget car rentals.

• Annual fee: $0
• Interest rates: purchases 19.99%, cash advances 22.99%, balance transfers 22.99%
• Welcome bonus: You can earn a value of $50 in TD Rewards Points to use on eligible Amazon.ca purchases, plus no annual fee. Conditions apply. Account must be approved by June 3, 2024.
• Additional perks: Discounts on Avis and Budget Rent A Car; purchase security and extended warranty

Click here for more details about the TD Rewards Visa*

How can I tell which card is the best option for me?

Every card in the TD Travel Rewards program is worth a look, but the best option will depend on you. If you want to avoid an annual fee you’ll benefit from the TD Rewards Visa, and if you’re willing to pay the $139 annual fee and the minimum income of $60,000 doesn’t disqualify you, the First Class Travel Visa is an effective way to cash in on the program. But the TD Platinum Travel Visa also does a good job with no income requirement and a lower annual fee. Choose the card that makes the most sense for you.

**All point values are based on travel redemptions

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy .

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About Keph Senett

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I am unable to reach Expedia for TD to cancel flights due to the Coronavirus. I have held on for many hours with music playing and with no music. Can you advise how to speak to customer service? I am currently out of the country (Canada) and just don’t know how to go about this if TD for Expedia 18772226492 are taking many hours of my holding on and not answering my call. I am aware there must be many people wanting to Angel their flights. This is my third day of trying to reach them

Cancel their flights

I waited on hold for six hours. When my call was answered, the representative was more than helpful. Hard to wait on hold, but worth the effort in these trying times.

The TD business travel is no longer same as first class They reduced to 3 points per dollar

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Maximize your travel value with Expedia ® for TD

Money.ca / Money.ca

For travellers who hunt for bargains through travel comparison websites, Expedia® For TD gives you a flexible way to redeem points without sacrificing price.

As a financially savvy Canadian, you’ve probably booked your vacation using one of the many discount websites. There are dozens of these platforms online, and they all promise to save you hundreds on your travel costs with just a few clicks of your mouse. Expedia is one of the most popular travel comparison websites, but have you heard about Expedia® For TD? If you have the TD First Class Travel® Visa Infinite* Card, financially savvy Canadians can use their points directly for travel booked via Expedia® For TD. We take a closer look at how you can maximize your travel value by using Expedia® For TD.

Why use Expedia® For TD?

There are some excellent reasons to use Expedia® For TD, as well as some tips and tricks for boosting your points-earning potential.

Easy redemption and competitive pricing

With a lot of travel deal websites, you often can’t use your travel rewards credit card points to pay for your trip – which is a real bummer. Instead, you’ll have to charge your travel to your credit card and pay off the balance with points, which isn’t the most efficient way to use your travel rewards points. Or you’ll do what most people do: book your trip through your travel reward credit card’s preferred interface. These interfaces are often more expensive and have inconvenient blackout dates.

When you use the  TD First Class Travel ® Visa Infinite* Card , you can redeem your points directly through Expedia® For TD to pay for hotels, air travel, rental cars, and cruises. You’ll enjoy the same price match guarantee, the same low prices, and no blackout dates or restrictions that you’ve come to expect with the regular Expedia platform.

The TD First Class Travel® Visa Infinite* Card also helps you earn extra rewards on purchases made through Expedia® For TD. You’ll earn a better reward rate than some of the other top travel rewards credit cards available in Canada. For example, the  WestJet RBC World Elite Mastercard  lets you earn 2% in WestJet dollars when you buy WestJet flights or WestJet Vacations packages using your card⁸. With the TD First Class Travel® Visa Infinite* Card, any Expedia® For TD purchase will earn you 4% back†, that’s double the best competing credit card!

Blend your loyalty programs

While the earnings rate on the TD First Class Travel® Visa Infinite* Card is excellent, the rewards don’t stop there. When booking your travel with Expedia® For TD, you can use other existing loyalty program memberships in combination with your Expedia® For TD bookings. So, your WestJet, Aeroplan, and VIPorter points will boost your total rewards and essentially let you earn points twice for the same purchase.

Get premium perks

Rewards aside, this credit card also offers a generous suite of extra perks including a comprehensive list of travel insurance coverage. When you book your travel with the TD First Class Travel® Visa Infinite* Card, your trip is covered by:

• Travel medical insurance of up to $2M in coverage†
• Trip cancellation/interruption insurance of up to $1,500 per insured person†
• Travel accident insurance for common carriers up to $500,000†
• Emergency travel assistance services†
• Delayed and lost baggage insurance up to $1,000 per person†

Is the TD First Class Travel® Visa Infinite* Card worth it?

If you regularly spend a significant amount of money on travel, and you book your trips through Expedia, this credit card is an excellent choice. The best way to maximize your points is to both book your travel and redeem your points through Expedia® For TD: using this strategy will help you earn an impressive 4% on every dollar you spend. Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.

You’ll earn twice what you would by using the leading WestJet RBC World Elite Mastercard or  Aeroplan credit cards , making this card the strongest travel rewards card in its class.

TD First Class Travel® Visa Infinite* Card

Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Must apply by September 5, 2023.

If you’re considering the TD First Class Travel® Visa Infinite* Card, right now is a great time to sign up.

Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Must apply by September 5, 2023.

• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
• Get an Annual Fee Rebate for the first year†.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 6, 2023.

The details:

• Annual fee : $139 (first-year annual fee rebate) †
• Minimum income eligibility : $60,000 personal or $100,000 household annual income.
• Credit score required : Good;Excellent
• Welcome offer : Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Must apply by September 5, 2023.
• Other perks : Travel insurance†, rental car discounts†
• Purchase APR:  20.99% |  Cash advance APR:  22.99%

†Terms and conditions apply.

This offer is not available for residents of Quebec. For Quebec residents, please  click here.

Maximizing your travel value with Expedia® For TD

While this credit card has many perks and a strong rewards rate, no matter where you make your purchases, it shines for anyone who travels frequently and wants to book their trips exclusively via Expedia® For TD. If you want to maximize your travel value with Expedia® For TD, here are a few tips for enhancing how you earn and redeem points.

Earning points with Expedia® For TD

Like most travel rewards credit cards, the TD First Class Travel® Visa Infinite* Card lets you earn points by using your credit card for daily spending. But here’s the difference: you can boost those rewards when booking travel through Expedia® For TD. Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.

Redeeming points with Expedia® For TD

There are two ways to redeem your TD Points. First, book your travel normally and use your points to pay for those expenses after they appear on your credit card statement. When you use this strategy, your TD Points value is about $0.004.

If you book your travel through Expedia® For TD, your TD Points value is higher, about $0.005, so the same number of points will stretch further.

For example, if you had 40,000 TD Points, and you used the first method to book your travel, your points would be worth about $160. If you use those points to book travel through Expedia® For TD, they would be worth about $200.

These redemption and earning rates may seem confusing, so here is a simple table showing how your dollars earn you rewards, depending on where you are earning and redeeming your points.

There are several ways to both earn and redeem TD Points, and they all yield different benefits, but the most advantageous method is to book travel at Expedia® For TD and redeem your travel rewards via Expedia® For TD. The second-best method is to spend with Expedia® For TD and redeem your rewards for other travel-related expenses, which is still worth 3.6%, making this card relatively flexible.

Keep in mind that you can also use your Aeroplan, WestJet dollars, Rewards, and VIPorter loyalty numbers when booking through Expedia® For TD, letting you double dip your rewards earnings.

Saving money on travel with Expedia® For TD

The biggest benefit of using Expedia is its  lowest price guarantee . When you search for flights or vacation packages through WestJet, Aeroplan, or some travel rewards booking services, your options are usually limited. The prices aren’t as low and there could be blackout dates. With Expedia® For TD, you are guaranteed the lowest price available.

In the past, opting to use a website like Expedia meant that while you could get the lowest price, the trade-off was that you couldn’t use your rewards to pay for your travel. Also, you couldn’t earn that higher reward rate when booking your travel.

With the TD First Class Travel® Visa Infinite* Card, you can use Expedia® For TD, get the lowest possible rate on your flights and hotels, and also earn the 4%† reward rate for booking your travel. You won’t have to compromise on rewards, cost, convenience, or earnings rate.

Booking through Expedia® For TD also means you’ll have access to Expedia’s last-minute deals and seat sales, and you’re eligible for their price match guarantee. So if you find a better deal elsewhere, they’ll match it and give you a $50 credit – guaranteeing the lowest possible price.

Expedia® For TD interface and ease of use

Redeeming your points through Expedia® For TD is just as easy as using the regular website. After logging in, you’ll see your points displayed in the top right-hand corner. You’ll also see the cash equivalent of your points, which is useful for quickly calculating whether you can afford a trip or not. If you see a travel deal that you can’t afford with your points alone, you can always choose to pay for the trip with a combination of points and cash.

While redeeming your points through Expedia® For TD is the most effective way to maximize point value, you can also redeem your points for other purchases. To do this, make your purchases as you normally would, and once they appear in your online banking portal, call TD and let them know which purchases you’d like to pay for with your points.

Should I sign up?

Since the $139 annual fee is waived for the first year†, signing up for the  TD First Class Travel® Visa Infinite* Card  is a no-brainer. This is  the best credit card in Canada  for you if you love to travel: you’ll get a lucrative welcome bonus ($800† value) that you can put towards your next trip, as well as the potential to rack up future points using Expedia® For TD. Give it a go! But if you’re still debating which travel credit card is best for you, take a look at our article on the  Best Travel Rewards Credit Cards in Canada .

The offer for the TD® First Class Travel® Visa Infinite* Card is not available for residents of Quebec. For Quebec residents, please  click here.

Refer to RBC Page for up to date offer terms and conditions.

Jordann Brown is a freelance personal finance writer whose areas of expertise include debt management, homeownership and budgeting. She is based in Halifax and has written for publications including The Globe and Mail, Toronto Star, and CBC.

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Discover your TD Platinum Travel Visa* Card

To save or print a copy of this guide,  download the PDF Welcome Guide .

Quick Steps for Getting Started

TD Rewards Program

Using Your TD Rewards Points

Everyday Convenience

Keeping Your Card Secure

Welcome to your new TD Platinum Travel Visa* Card

How to make the most of your new td platinum travel visa* card..

Register for  EasyWeb® Online banking  to access and manage your Account online and sign up for online statements.

Download the TD app to view your Account and bank almost anywhere.  Learn more.

Visit My TD Rewards in the TD app or EasyWeb to manage your  TD Rewards Points  and discover  loyalty perks.

Set up your regularly recurring bill payments on your Account to  save time, avoid late fees  and  earn 3 TD Rewards Points  for every $1 charged to your Account 1 .

Learn how to add your business Card to  Apple Pay 26 ,  Google Pay TM , 26   or  Samsung Pay 26   to make convenient, everyday business payments with just a tap of your device.

Make your TD Platinum Travel Visa* Card the Primary Card for retail apps on your phone 2  to  earn TD Rewards Points on purchases you make through phone apps,  like food delivery and transportation.

Your TD Rewards Points Program

Every eligible purchase you make with your  TD Platinum Travel Visa* Card  earns you TD Rewards Points. Your points will never expire as long as your Account is open and in good standing.

The more you use your TD Platinum Travel Visa* Card, the more TD Rewards Points you’ll earn!

Earn  6  TD Rewards Points for every $1 in Travel Purchases you make with your Card 3  through  Expedia For TD 4 .  Learn more.

Earn  4.5  TD Rewards Points for every $1 in  Grocery  and  Restaurant  Purchases 5  you charge to your Card.

Earn  3  TD Rewards Points for every $1 in regularly recurring  bill payments  you set up on your Card 1 .

Earn  1.5  TD Rewards Points for every $1 you spend on all other eligible purchases 6  made with your Card.

50% more TD Rewards Points at Starbucks  when you link your Card with your Starbucks® Rewards account. Conditions apply. Visit  td.com/starbucksoffer  to learn more.

Earn more TD Rewards Points when you add up to three Additional Cardholders 7  (Additional Card Annual Fees apply) and earn TD Rewards Points every time they use their Cards to make eligible purchases.

Flexible Redemption Options

Visit My TD Rewards in the TD app or EasyWeb to manage your TD Rewards Points and discover loyalty perks.

Go places on points

Make your points go further when you redeem through Expedia® For TD:  Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem 8  your TD Rewards Points towards your travel purchase right away.

Or Book Any Way 8 : You can also choose to book your trip through any other travel agency or website. This gives you the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including excursions and taxes – within 90 days of your purchase.

And under the TD Rewards Program, there are no blackouts 9  or seat restrictions 9 .

Go shopping - treat yourself

Amazon Shop with Points Redeem your TD Rewards Points towards making purchases at Amazon.ca 10 .  Learn more.

Starbucks® Rewards Link your Card with your Starbucks Rewards account and you can convert your TD Rewards Points into Stars at Starbucks to buy your favourite Starbucks coffee or treat at participating stores using the Starbucks app. Conditions apply. Visit  td.com/starbucksoffer.

Merchandise and Gift cards Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.

Financial Rewards

Pay With Rewards:  Redeem TD Rewards Points to help pay down your credit card balance.

Education Credits from HigherEdPoints:  Redeem TD Rewards Points towards tuition for higher education at over 100 participating institutions – for a student in your life, or yourself.

Explore the insurance coverages included with your TD Platinum Travel Visa* Card

Discover the travel insurance benefits of your credit card when you're ready to travel. Learn about what travel insurance benefits are available on your TD Platinum Travel Visa* Card with our  Credit Card Travel Insurance Verification Tool .

Delayed and Lost Baggage Insurance 11 If your baggage is delayed for more than 6 hours, or is lost by a Common Carrier, each insured person has coverage for emergency purchases of essentials, such as clothing and toiletries. Use your Card and/or TD Rewards Points to cover the full cost of the tickets and each insured person is covered up to an overall maximum of $1,000 per trip.

Flight/Trip Delay Insurance 12 If your trip is delayed more than four hours, each insured person is covered for up to $500 for reasonable and eligible hotel, motel or restaurant expenses whenever you charge the full cost of your transportation to your Card and/or TD Rewards Points.

Auto Rental Collision/Loss Damage Insurance 13 Use your Card and/or TD Rewards Points to pay for the full cost of an eligible car rental and get the Collision Damage Waiver (CDW) coverage at no additional cost for up to 48 consecutive days. Please note that some rental agencies may require you to buy CDW coverage from them: contact them before reserving a car to verify their policies.

Common Carrier Travel Accident Insurance 14 You, your spouse and dependent children are insured for up to $500,000 while travelling on a common carrier (such as a bus, ferry, plane or train) whenever you charge the full cost of your transportation to your Card and/or use TD Rewards Points.

Mobile Device Insurance 15 Get mobile device protection of up to $1,000 in the event of the loss, theft, accidental damage or mechanical breakdown for eligible mobile devices when you use your Card to pay all of your monthly mobile bill payments and any upfront costs, or charge at least 75% of the purchase price when paying the full cost of your new mobile device up front.

Purchase Security and Extended Warranty Protection 16 You automatically have access to this coverage for eligible items you’ve purchase with your Card:

• Repair, replacement or reimbursement should eligible items be stolen or damaged within 90 days of purchase.
• Double your warranty, up to 12 additional months, if the eligible item came with a manufacturer’s warranty valid in Canada.

Hotel/Motel Burglary Insurance 15 When you stay at a hotel/motel within Canada or the United States and use your Card and/or TD Rewards Points to cover at least 75% of the total cost of your stay, you will receive up to $2,500 of coverage per occurrence for most personal items stolen from your hotel or motel room belonging to the Cardholder on the account and eligible family members travelling with the Cardholder.

More details

Enhance your TD Platinum Travel Visa* Card with optional benefits

Optional td travel insurance coverages available to you, apply for optional travel medical insurance 17.

When you're travelling, the last thing you want to worry about is your emergency medical coverage. As a TD Platinum Travel Visa* Cardholder, you have the option to purchase TD Travel Medical Insurance. You'll enjoy:

• Comprehensive emergency medical coverage for when you are travelling outside of your province or territory, whether internationally or within Canada
• No out-of-pocket costs for eligible emergency medical expenses
• 24/7 medical assistance

Apply for optional Trip Cancellation and Trip Interruption Insurance 18

With Trip Cancellation and Trip Interruption Insurance if, due to a covered cause such as an illness, injury and more, you need to:

• Cancel your trip, we'll help you recover your trip expense.
• Return home early, we'll cover the cost of your eligible return transportation.

For information about Travel Medical Insurance, or Trip Cancellation and Trip Interruption Insurance, and how to enroll,  click here  or call  1-800-293-4941 .

Be prepared with optional TD Credit Card Payment Protection Plan 19

Optional TD Credit Card Payment Protection Plan insurance products are designed to help you deal with your TD® Credit Card payment obligations in the event of a covered Job Loss, Total Disability or Loss of Life.

To learn more about optional Payment Protection Plan or to enroll, call 1-866-315-9069 or visit  td.com/BP .

Enjoy the convenience of your TD Platinum Travel Visa* Card

Discover all the features that make using your Card more convenient everyday, from simplifying making purchases, to assistance if you lose your Card.

Save on car rentals

Save a minimum of 10% on the lowest available base rates 20 , 21  in Canada and the U.S., and a minimum of 5% on the lowest available base rates 20 , 21  internationally, on qualifying car rentals at participating Avis and Budget locations.

• Avis:  You can reserve your Avis car rental by visiting  avis.com/tdcreditcards . Quote  Avis Worldwide Discount (AWD) #C078400  at time of reservation and charge the full rental to your TD Platinum Travel Visa* Card
• Budget:  You can reserve your Budget car rental by visiting  budget.com/tdcreditcards . Quote  Budget Customer Discount (BCD) #A331700  at time of reservation and charge the full rental to your TD Platinum Travel Visa* Card

Apply for optional Deluxe TD Auto Club Membership 22

With optional Deluxe or Standard TD Auto Club Membership, know that, in the event of a road emergency, help is just a phone call away. For information and to enroll, call  1-800-245-0297 .

Help and assistance

If your TD Credit Card is damaged or not working , you can request a replacement Card online through EasyWeb, through the TD app using your mobile device, or by phone at  1-800-983-8472 .

If your TD Credit Card has been lost or stolen , you must immediately report this to us by phone at:  1-800-983-8472 .

Fast, reliable access to cash.  You can ask for an emergency Cash Advance 23  of up to $5,000 in emergency funds (subject to your available credit limit), at over one million ATMs internationally, at all TD Canada Trust branches and at select financial institutions around the world.

Getting information when you need it.  The TD Credit Card Contact Centre can also provide you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.

• Ways to Pay

Save time with Apple Pay, Google Pay TM and/or Samsung Pay

Mobile Wallets are accepted by many shops, restaurants, and retailers, making it a convenient and easy way to pay for everyday purchases with just a tap of your phone 26 .

Tap to pay with Visa

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s fast and more convenient than cash, and your Card never leaves your hand.

Pay online easily and securely

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Td green machine® atms.

Access and manage your Card Account at any of our ATMs.

EasyWeb® Online banking

Manage your Card Account easily online.

EasyLine® telephone banking

Give us a call to access or manage your Card Account.

Get secure access to TD’s mobile banking service anywhere you are.

Balance Transfers

Consider consolidating higher-rate non-TD credit card balances you may have to your TD Platinum Travel Visa Card Account through a Balance Transfer 24 . You can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of a balance transfer. Visit your  TD branch  or call 1-800-983-8472 .

Payment Plans

Turn credit card purchases into manageable monthly payments. This convenient feature gives you more control over your budget knowing when these purchases are paid off in full. This can come in handy if you’re planning to buy a new laptop, go on a trip or start a home renovation project. (Conditions apply.)  Learn more.

Emergency Travel Assistance Services 25

Help is just a call away with toll-free access to help in the event of a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

• Translation services in the event of an emergency situation.
• Lost document and ticket replacement.
• Emergency Cash Transfer in the event of a theft, loss or emergency – our Administrator can assist you to obtain a Cash Advance, which will be charged to your Account.
• In Canada and the U.S., call 1-866-374-1129 .
• In other countries, call collect 416-977-4425 .

Explore your TD Platinum Travel Visa* Card security and protection

Protecting the security of your Card should always be a priority. That’s why your TD Platinum Travel Visa* Card comes with features that help protect you when you shop online and in person.

Security Features

Visa Zero Liability Shop online and in person securely with Visa Zero Liability and be protected, in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your PIN.

Lock or unlock your Card Misplaced your TD Credit Card? Feel more confident by locking your Card in the TD app. When locked, pre-authorized payments and ATM transactions will still go through, credit card payments will still be accepted, and you can make transfers. If you find your Card, it’s just as easy to unlock it.

Shop with confidence with chip & PIN technology.  Chip and PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Keep your Personal Identification Number (PIN) Secure

• Choose a PIN you can remember that's difficult to guess. Don't use a phone number or birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
• Never let anyone else know or use your PIN or use your Card.
• Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Reset your PIN  at a  TD branch  or 24/7 at any TD ATM.

24-hour Fraud Protection

Our enhanced protection measures are part of an industry-wide effort to protect you from the inconvenience of credit card fraud. In the event that our advanced fraud prevention system detects unusual activity relating to your Account:

You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you, or an Additional Cardholder, performed a transaction on your TD Credit Card Account.

During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

Your Card may be temporarily blocked until we can contact you for verification.

You can automatically receive TD Fraud Alerts on your mobile phone any time we suspect suspicious activity on your TD Platinum Travel Visa* Card, or on any Additional Cardholder’s Card on your Account.  Learn more.

More about your TD Platinum Travel Visa* Card

Cardholder agreement.

For information about your Card, please refer to your Cardholder Agreement.

• Cardholder agreement (PDF)
• TD Rewards Program Terms and Conditions (PDF)
• The TD Privacy Policy

See below for information regarding Insurance benefits or the most recent updates to your Insurance benefits.

• Benefit Coverages Guide (PDF)
• Insurance updates (PDF)

Welcome guide

Save a copy of your guide for reference when you’re offline.

• Welcome guide (PDF)

Have a question? Find answers here

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Annual interest rates, fees and features are current as of October 30, 2022, unless otherwise indicated and subject to change.

1  Earn 3 TD Rewards Points ( "PAP Rebate" ) on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/ newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Platinum Travel Visa Card Account ( "Account" ) and that are classified through the Visa network as “recurring payments” ( "Pre-Authorized Payments" ). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $15,000 Cap : The PAP Rebate is only available to a $15,000 maximum net annual spend ( "$15,000 Cap" ). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 1 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ( "Standard Rebate").  Applicability of PAP Rebate:  The PAP Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

2  The Toronto-Dominion Bank is not responsible for any third-party retail apps, including their use and any services or products provided through such apps.

3  Earn 6 TD Rewards Points for every $1 in Purchases of travel made online through ExpediaForTD.com or travel made by phone through Expedia® For TD ( "Phone Travel Purchases") ("Online Travel Purchases" ) and charged to your TD Platinum Visa Card Account ( "Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4  Expedia® For TD is operated by Expedia®, Inc. at www.tdrewards.com/expediafortd and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

5  Earn 4.5 TD Rewards Points (“ Grocery Rebate ”) for every $1 in Purchases of groceries or grocery items (“ Grocery Purchases ”) charged to your TD Platinum Visa Card Account (“ Account ”) and earn 4.5 TD Rewards Points (“ Restaurant Rebate ”) for every $1 in Purchases at restaurants including fast food restaurants (“ Restaurant Purchases ”) charged to your Account. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase or Restaurant Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $15,000 Cap:  Each of the Grocery Rebate and the Restaurant Rebate is only available to a $15,000 maximum net annual spend (“ $15,000 Cap ”). Once the $15,000 Cap has been reached for either Grocery Purchases or Restaurant Purchases, then any further Grocery Purchases and Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 1.5 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (“ Standard Rebate ”).  Applicability of Grocery Rebate and Restaurant Rebate:  Each of the Grocery Rebate and the Restaurant Rebate is in place of, and not in addition to, the Standard Rebate.  Merchant Category Codes:  To earn the Grocery Rebate and/or the Restaurant Rebate, the Grocery Purchases and/or Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (“ MCC ”) that identifies them in the “grocery”, “restaurant” or “fast food” category. Some merchants may (i) sell groceries or grocery items; (ii) provide restaurant service or sell fast food; or (iii) have separate merchants located on their premises that also sell groceries or grocery items, or provide restaurant service or sell fast food; but may not be classified with a grocery, restaurant or fast food MCC and such Purchases will not earn the Grocery Rebate or Restaurant Rebate, as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472 .  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6  Earn 1.5 TD Rewards Points (“ Standard Rebate ”) on every $1 on all other Purchases (“ Other Purchases ”) charged to your TD Platinum Travel Visa Card Account (“ Account ”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7  Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder. A Maximum of 3 Additional Cardholders are allowed on the Account.

8  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your Card that are booked online or by phone through Expedia® For TD. For travel Purchases charged to your Card that are not booked through Expedia® For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Credit Cardholder Agreement for your Card. We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your Card that are not booked through Expedia® For TD, Cardholder must contact the TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be deducted from the Cardholder’s TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited toward the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment.

9  Subject to carrier or space availability. 

10  The Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”) is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by Amazon.com, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

11  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

12  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

13  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them – it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

14  Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

15  Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TD102022. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

16  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, the item must be paid for in full using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

17  All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased by calling 1-800-293-4941, or visiting td.com/travelmedicalinsurance. Note that this optional insurance offers different benefits, on different terms and conditions, than the Travel Medical Insurance that is automatically included with other TD Credit Cards.

18  All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-800-293-4941 or by visiting td.com/travelmedicalinsurance. Note that this optional insurance offers different benefits, on different terms and conditions, than the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.

19  Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

20  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre/ mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

21  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to terms and conditions, which may change without notice. Blackout dates may apply. Base rate refers to time and kilometre or mile charges only. Taxes, fees and surcharges are extra. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

22  TD Auto Club is provided by Dominion Automobile Association (2004) Limited, an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

23  Cash Advance is subject to available credit. Fees apply to each Cash Advance and Cash Advances accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made.

24  Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made. See your Cardholder Agreement for complete information on Cash Advances, including how we apply your payments and interest to Cash Advances.

25  Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

26  Subject to current $250 limit for point-of-sale transactions. Certain transactions may not be completed outside of Canada and in-app availability may be limited. Certain merchants may set their limit under $250. Please check with the merchant about the limit before using Apple Pay, Google Pay or Samsung Pay. 

Please visit https://www.apple.com/ca/apple-pay / for a complete list of Apple Pay compatible devices, https://pay.google.com/intl/en_ca/about/ for a complete list of Google Pay compatible devices, and https://www.samsung.com/ca/apps/samsung-pay/ for a complete list of Samsung Pay compatible devices.

All trade-marks are the property of their respective owners.

* Trademark of Visa Int., used under license.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

Starbucks is a registered trademark of Starbucks Corporation. © 2022 Starbucks Coffee Company. All rights reserved.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. 

TM  Android and Google Play are trade-marks of Google Inc.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd

Google Pay is a trademark of Google LLC

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries

Now you can earn rewards on eligible purchases everywhere you go. With the TD Platinum Travel Visa Credit Card. Like to travel? Earn six TD Rewards Points for every dollar in travel purchases made with your card through Expedia for TD. Restaurant and grocery purchases, those earn you four and a half TD Rewards Points per dollar. Setting up regularly recurring bill payments on your account for things like TV or utilities can help save time and avoid late fees, all while earning three TD Rewards Points for every $1 spent. Plus, earn one and a half TD Rewards Points per dollar on all other purchases made with your card. Want to earn even more? Link your card with your Starbucks rewards account to earn 50% more TD Rewards Points that you can convert to Starbucks Stars to redeem for your favourite treats. Make your card the primary card on your favourite retail apps, like food delivery and transportation to earn TD Rewards Points on those purchases too. And earn points for convenient everyday purchases made with just a tap of your card, phone or other contactless-payment-compatible devices. Add your spouse or a family member as an additional card holder to your account and you'll earn TD Rewards Points on purchases made with their card. Ready to use your points? It's easy. Visit My TD Rewards in the TD app or EasyWeb to manage your TD Rewards Points and discover other loyalty perks. Make your points go further when you redeem through Expedia for TD or redeem them through My TD Rewards for travel booked with other travel service providers. While you're at it, treat yourself to something special by redeeming your TD Rewards Points for great deals on a wide selection of merchandise and gift cards. You can even shop with points at Amazon by redeeming your TD Rewards Points towards eligible purchases at amazon.ca. Want to save on rental cars? Take advantage of savings on the lowest available base rates for qualifying rentals at participating Avis and Budget locations. Get coverage for up to 48 consecutive days when you decline the damage waiver insurance on eligible car rentals. Delayed or lost baggage got you down? TD Platinum Travel Visa Card includes insurance coverage to buy essential items such as clothing and toiletries. Flight or trip delayed for over four hours? The card's Flight/Trip Delay Insurance covers eligible hotel or restaurant expenses too. And what about your mobile device? Those things aren't cheap. With the TD Platinum Travel Visa Card you are covered if your eligible device is lost, stolen, accidentally damaged, or suffers mechanical breakdown. You also get repairs, replacement or reimbursement on eligible items if they're stolen or damaged within 90 days of purchase with your card. Now let's talk security, Visa Zero Liability helps protect you from unauthorized transactions made with your card when you shop online or in person. Discover all the amazing benefits of your TD Platinum Travel Visa Card today and start earning rewards on eligible purchases everywhere you go.

• Book Travel
• Credit Cards

Which Credit Cards Have Annual Credits?

Whether your strategy revolves around welcome bonuses, everyday earn rates, or perks for cardholders, the best credit cards generally have the highest annual fees.

If the value is there, it’s worth shelling out for premium cards . But given the choice, we’d always prefer to reduce those costs whenever possible.

First year free is great, but it isn’t forever. We can use signup incentives to justify our new credit cards, but what about our keepers?

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American express platinum cards, american express gold rewards card, big 5 banks: travel & lifestyle credits, hsbc & national bank: travel enhancement credits, us credit cards, american express offers.

The big kahuna of the Canadian credit card scene, the American Express Platinum Card , has some of the best benefits in the business.

You get 2  Membership Rewards points per dollar spent on eligible dining and travel purchases, a complimentary Priority Pass membership with unlimited visits to airport lounges for you and one guest, automatic hotel status including Marriott Bonvoy Gold Elite and Hilton Honors Gold , and strong travel insurance .

I’d also venture that the Amex Platinum is the standard-bearer among Canadian credit cards as a status symbol. Whether or not that moves the needle for you, you can’t deny that the card is flashy, or that its exclusivity and branding have value.

To justify these perks, the card commands the steepest annual fee, recently increased to $799 (all figures in CAD). However, once you’ve gotten over the sticker shock, you’ll notice that the card has a $200 annual travel credit and a new $200 annual dining credit.

Its business variant, the Business Platinum Card from American Express , now also comes with a $200 annual travel credit; however, it didn’t get the $200 annual dining credit added to its list of perks during the most recent revamp .

To start off, the travel credit on both cards is extremely flexible and easy to use. You can apply it to any flight, hotel, car rental, or vacation package booked through American Express Travel Online or the Platinum Card Travel Service over the phone.

You have to use the credit when you make the booking; it can’t be applied later. However, it won’t be clawed back if your plans change and you have to cancel your reservation. Because of its versatility, I’d consider this credit as good as cash. 

On the other hand, the $200 annual dining credit on the personal Platinum is less flexible, as you can only use it at a list of “top restaurants” curated by Amex.

Most, if not all, of the restaurants on the list are high-end, and for a dinner for two, you’d probably still need to shell out more money in excess of the credit. 

Still, you can use the dining credit to justify the Platinum Card’s annual fee, and when combined with the travel credit, there’s an effective a net cost of $399. 

On the Business Platinum, the $200 annual travel credit makes the annual fee $599 instead of $799.

In both cases, that’s a high fee for a keeper card, but it’s actually on par with or lower than other top-tier cards . The TD Aeroplan ® Visa Infinite* Card, the CIBC Aeroplan Visa Infinite Privilege, and the American Express Aeroplan Reserve Card all have $599 annual fees.

If you prefer the wide-ranging all-round travel benefits of the American Express Platinum Card or Business Platinum Card over a slate of benefits that are more closely tied to Air Canada flights, the Amex Platinum cards are clear winners.

In many ways, the American Express Gold Rewards Card is just a slimmed-down version of the Platinum Card. This doesn’t necessarily follow the per-ounce value of the actual precious metals, but in the world of credit cards, platinum always seems to carry more prestige than gold.

With an annual fee of $250, the Gold Rewards Card is a bit more bearable to anyone who might balk at the $399 net annual fee on the Platinum Card. Throw in a $100 annual travel credit and some other perks, and $150 is well within most people’s realm of comfort.

The annual travel credit can be used in essentially the same way as the Platinum’s. You have to apply it during the booking process on American Express Travel Online, and it doesn’t get clawed back if your plans happen to change and you refund your booking.

When you consider the card’s other perks, including four free visits to Plaza Premium Lounges per year and a $50 NEXUS rebate every four years, there’s a decent amount of value to be found at a lower cost than the Platinum Card.

Just be sure to look at your spending patterns, as you may wind up better off earning 5 points per dollar spent on food and drink with the Cobalt Card rather than the 2 you’d get with the Gold Rewards Card.

Let’s take a look at the travel credits, or lack thereof, offered by Canada’s Big 5.

In a similar vein to the Amex Platinum Card, the CIBC Aventura Visa Infinite Privilege also has a $200 annual travel credit, bringing the card’s annual fee down from $499 to a net cost of $299. However, it’s not quite as flexible as the Amex Platinum or Gold credits.

You have to book by calling the CIBC Rewards Centre, where you can book flights, hotels, car rentals, vacation packages, and cruises. Because CIBC’s travel agency is making the booking on your behalf, they have to use agency rates and agency booking portals.

That means it’s not always easy to attach your loyalty number to a flight or hotel booking. Unless you can find an agent who’s willing to book a different way, you won’t be able to enjoy your elite benefits, and you can’t use any lower members-only rates that you may find.

Also, if you book a refundable or postpaid rate, the credit won’t be applied to your account until after the travel dates. So while this one isn’t quite as good as cash, I’d count on it as a guaranteed annual fee reduction if you intend to use it for travel.

Bank of Montreal

Likewise, BMO has annual credits on their BMO eclipse Visa Infinite and BMO eclipse Visa Infinite Privilege products. Instead of a travel credit, they’re calling these a “lifestyle credit”. By all accounts, it’s easy to cash out against just about any purchase.

• With a $50  lifestyle credit, the BMO eclipse Visa Infinite annual fee comes down from $120 to $70
• With a $200 lifestyle credit, the BMO eclipse Visa Infinite Privilege annual fee comes down from $499 to $299

Despite these savings, you have to consider whether you even want to keep these cards long-term.

CIBC Aventura can be useful for oddball bookings when redeeming points for high-value travel experiences isn’t an option. In these cases, the points are useful for offsetting the cost of an independent hotel or cruise, but they don’t otherwise have much utility as, say, Aeroplan or Amex Membership Rewards .

The same is true for BMO Rewards , which can be applied against any travel purchase as a statement credit.

If you don’t decide to keep the CIBC or BMO cards for the long-term, note that both of their credits are based on the calendar year rather than the membership year, allowing you to double-dip the credits during your first year if you so choose.

The TD First Class Travel® Visa Infinite* Card had a makeover in the fall of 2022 , with changes to its earning structure, design, and annual fee, as well as the introduction of a travel credit of sorts.

Unlike other travel credits, which can be applied to any travel purchase, the $100 annual TD Travel Credit is tied to accommodation bookings through Expedia for TD. After spending at least $500 on eligible lodging expenses, you’ll receive a $100 statement credit.

While it’s nice to see TD dabbling in the travel credits game, the fact that it’s not a one-to-one credit makes it much less versatile than with other cards. Luckily, the TD Travel Credit applies per calendar year, leaving the door open for a double-dip before you’re subjected to the $139 annual fee in the second year.

RBC & Scotiabank

RBC and   Scotiabank are laggards amongst Canada’s Big 5 banks, in that they don’t offer annual credits on any credit cards. But between my rewards goals and personal history with those banks, I value their cards more highly as keepers.

If I’m going to use a card on a regular basis, I’d like it to be one that earns rewards that I actually want, at rates I like. Once you get rolling, you can create a positive feedback loop: I pay annual fees and spend on cards with good rewards, and in doing so I strengthen my relationship with banks that offer good rewards, making it easier to apply for more cards that earn good rewards in the future.

For me, it’s an easy choice to stick to my plans, and not chase a partial rebate for products that aren’t giving me incremental value every year over my other credit cards.

If the Big 5 are the vanilla nuclear family, and Amex is the cool cousin, HSBC and National Bank are the wacky aunt and uncle. They’ve got some gravitas, but it’s a bit of a puzzle to make sense of them.

Fortunately, they don’t skimp on gifts for their nieces and nephews. They do spoil us with annual credits, once we’ve figured out how to unwrap the excessive packaging.

Rather than a blanket travel credit that can be used for any booking, these two banks offer travel “enhancement” credits. They can’t be used for flights and hotels in the traditional sense – instead, they’re intended to be used to upgrade your travel experience.

Unfortunately, many of these upgrades are already covered by flying business class or having elite status, so let’s see if we can get value for them anyway.

The HSBC World Elite Mastercard, which is unfortunately not open to new applications anymore and will likely soon disappear once RBC’s acquisition of HSBC Canada is finalized, offers a $100 annual travel enhancement credit for seat upgrades, baggage fees, and airport lounge passes.

You can apply this credit yourself on the HSBC Rewards website – all you need to do is select an eligible expense made within the last 60 days.

HSBC seems to take a liberal interpretation of which travel expenses qualify for the credit. While they might not allow you to use it for a booking made directly with the hotel, you might have better luck with an online travel agency.

If the merchant sells regular bookings and eligible upgrades alike, the transaction on your statement won’t show a difference. 😉

In addition, HSBC World Elite cardholders have also been able to redeem their travel enhancement credit for award taxes and fees on Aeroplan and British Airways Avios redemptions.

I think this credit is versatile enough to classify as a cash rebate. It brings the credit card’s annual fee down from $149 to $49, or free if paired with a Premier banking rebate.

$49 per year is a fantastic price for a card with no foreign transaction fees, worldwide Mastercard acceptance, and emergency medical insurance on trips up to 31 days, not to mention earn rates and transfer partners that make it a daily driver candidate. As HSBC is known for strictly following the timelines on its repeat bonus clause, I’d say the HSBC World Elite Mastercard is very worthy of keeper consideration , as there’s more value in keeping it than in cancelling and reapplying.

In February 2023, HSBC unveiled its new premium card , the HSBC Metal World Elite Mastercard, which appears to only be available for Private banking clients.

The card, which commands a $499 annual fee, comes with a suite of features to match its increased cost, including an unlimited DragonPass membership for the cardholder and a guest and a $200 annual travel enhancement credit. The credit is essentially the same as the one on the HSBC World Elite Mastercard, just with twice the value.

Given the card’s exclusivity, it won’t be available to most travellers, and with the sale of HSBC Canada to RBC nearing completion, its long-term value remains uncertain.

If you happen to have a credit available on your card, be sure to use it up before it vanishes into thin air forever.

National Bank

As for the National Bank World Elite Mastercard , you’d get a travel enhancement credit worth up to $150 per year. It’s restricted to very specific types of expenses:

• Airport parking fees
• Baggage fees
• Seat selection fees
• Airport lounge access fees
• Ticket upgrade fees

Against an annual fee of $150, if you’re able to use all of the credits, you can essentially keep the card year-over-year without an annual fee. For a card that’s already worth keeping for award ticket insurance and emergency medical assistance on trips up to 60 days, eliminating the annual fee makes it a no-brainer.

However, National’s redemption process is quite byzantine. You need to submit an itemized invoice to the rewards department, showing a travel upgrade that was used (not purchased) on a past date.

At a certain point, you have to draw the line for how much effort you’re willing to put in. If it’s too much hassle to redeem the travel credit, or if it can only be used for expenses that don’t really add value for you, is it really worth it?

If you’re in the market for a keeper Mastercard for medical coverage, I think there’s a strong case to be made for paying $49 to HSBC instead of struggling to get your annual fees offset with National Bank.

This is where it gets fun. Annual credits are much, much more abundant on US cards than they are in Canada, with many cards providing more credits to cardholders than the cost of the annual fees.

Here’s a small sample of cards whose annual net costs are lower than they appear (all numbers in US dollars, with some credits distributed in chunks throughout the year):

• American Express US Marriott Bonvoy Brilliant Card: $650 annual fee, offset by 12 × $25 monthly dining credits  + anniversary Free Night Award worth 85,000 Bonvoy points (worth $595 as per our Points Valuations ) 
• American Express US Business Platinum Card:  $695 annual fee, offset by a $200 annual airline credit + up to $400 in annual Dell credits + 12 × $10 wireless telephone service credits
• American Express US Hilton Honors Aspire Card: $550 annual fee, offset by 2 × $200 semi-annual Hilton resort credits + $200 flight credit + $100 on-property credit at Waldorf Astoria or Conrad
• American Express US Hilton Honors Surpass Card:  $150 annual fee, offset by 4 × $50 quarterly Hilton property credits
• American Express US Platinum Card: $695 fee, offset by $200 airline fee credit + 2 × $50 semi-annual Saks Fifth Avenue credits + $200 hotel credit + 12 × $20 monthly digital entertainment credits + $200 Uber credit
• American Express US Gold Card: $250 fee, offset by 12 × $10 monthly Uber credits + 12 × $10 monthly dining credit at participating restaurants
• Capital One Venture X Rewards: $395, offset by up to $300 in in statement credits for flights, hotels, or rental cars booked through the Capital One Travel portal
• Citi Premier Card: $95 annual fee, offset by a $100 credit on a single hotel stay of $500 or more booked through thankyou.com 
• Chase Sapphire Reserve: $550 fee, offset by $300 travel credit

Of course, many of these rebates are only valuable if they suit your lifestyle. There’s no point having the Hilton Aspire card if you don’t have cash expenses at their resorts and with eligible US airlines. But for those who’d benefit, it’s wild to see cards at the most premium tier practically paying you to be a cardholder.

Also, aside from hotels, many of the credits are difficult to use outside of the US. While the Amex US Gold Card offers an excellent 4x earning rate on restaurants around the world, you’d likely have to live in or frequently travel to the US to properly offset the annual fee with cash credits.

Additionally, the airline credits are only for incidental fees, not unlike HSBC and National Bank’s enhancement credits. There are a few ways to cash them out for other travel purchases, but Amex US is very good at closing those loopholes.

Keeper cards are a much bigger part of the Miles & Points strategy for Americans. In the US, repeat welcome bonuses are harder to come by, and it’s more important to maintain good relationships with credit card issuers by putting regular spend on your cards.

I think it’s worthwhile for Canadians to take note, as keeper cards and relationship-building are taking on a higher importance here as well. Hopefully we’ll see our banks follow suit and offer more credits as they try not only to gain our business, but also to retain it in a competitive marketplace.

Throughout the year, Amex Offers are released to cardholders, allowing you to earn extra rewards points or cash rebates. They’re more prevalent south of the border, but our offers in Canada are nothing to scoff at either.

I try not to count my chickens before they hatch, but some offers are predictable. For example, I’d say that Shop Small is good for a reliable $50 rebate per credit card, at least once each year when the promotion comes around.

Other offers are less predictable, and usually more valuable. It’s not uncommon to see Amex Offers with savings upwards of $200, which becomes particularly fruitful if you have them available on multiple cards.

More and more, we’re seeing that some banks are less likely to give repeat welcome bonuses, and that they’re more likely to approve you for new cards if you don’t cancel your old ones too soon.

If you can anticipate enough useful offers to offset your annual fee, it might be worth hanging onto a premium card beyond the first year to create a win-win situation for you and the issuer.

The more credit cards I have, the more I see the appeal of keeping cards long-term. When the time comes to renew my cards and pay the next year’s fee, I always ask myself if I’m getting enough value to justify keeping it.

In many cases, earn rates and perks alone are enough to justify the costs, but it’s not always easy to measure their value against other cards. With annual credits, you’ll get peace of mind and cost certainty.

There are countless other ways to offset costs, like hotel vouchers , companion fares , referral bonuses , bank account rebates , or even simply by asking . All of these are effective (and not mutually exclusive), but they can be highly variable, and along with signup bonuses they aren’t necessarily sustainable.

Therefore, I try to maximize my use of annual credits because they’re simple, and I know I can count on their value year after year.

• Earn 70 ,000 MR points upon spending $10,000 in the first three months
• Plus, earn  30,000 MR points  upon making a purchase in months 14–17 as a cardholder
• Also, earn 2x MR points on all dining and travel purchases
• Also, receive an annual $200 travel credit
• Also, receive an annual  $200 dining credit
• Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
• Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
• Credits and rebates for daily expenses throughout the year with Amex Offers
• Bonus MR points for referring family and friends
• Annual fee: $799

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Business Platinum Card from American Express

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