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TD Platinum Travel Visa Card®
Credit cards

TD Platinum Travel Visa Card®

Updated 01.12.2022

About TD Platinum Travel Visa Card

A TD Platinum Travel Visa Card is a credit card in the travel category that offers a range of travel benefits, access to the TD Rewards Program, and valuable travel insurance coverage.

From time to time, TD announces special offers for new TD Platinum Travel Visa Card applicants allowing them to earn bonus TD Rewards points for meeting the spending requirements within a given period and waive annual fees for the first year.

TD Platinum Travel Visa Card features

A TD Platinum Travel Visa Card features a 19.99% interest rate on purchases and a 22.99% interest rate on cash advances. The annual fee for a TD Platinum Travel Visa Card is $89 for the primary cardholder, $35 for the first additional cardholder, and $0 for subsequent cardholders. New applicants can waive the annual fee for the first year with a special offer.

The minimum credit limit for a TD Platinum Travel Visa Card is $1,000.

For purchases made with your TD Platinum Travel Visa Card at merchants classified by Visa as "grocery" or "recurring payments” up to the $15,000 spending threshold, you will earn 2 TD Rewards points for every $1 spent. Upon reaching the $5,000 spending threshold, you will continue earning TD rewards at a regular rate (2 TD Rewards points for every $1 spent) for all other purchases.

For travel purchases made with your TD Platinum Travel Visa Card through ExpediaForTD.com, you will earn 5 TD Rewards points for every $1 spent. 

For every $1 spent on other eligible purchases, you will earn 2 TD Rewards points.

After connecting your TD Platinum Travel Visa Card with your Starbucks rewards account, you can earn 50% more TD Rewards points when paying at Starbucks locations.

New TD Platinum Travel Visa Card clients can get extra TD Rewards points upon getting credit card approval and meeting the spending requirements within a certain period.

Once you’ve earned a significant amount of TD Rewards points, you can redeem them towards:

  • Travels booked through Expedia For TD

  • Amazon.ca purchases

  • Credit card payments

  • Merchandise and gift cards offered at TDRewards.com

A TD Platinum Travel Visa Card provides a range of benefits from TD partner integrations:

  • An annual discount on a Priority Pass membership providing access to VIP airport lounges worldwide

  • Saving 5-10% off the base rates on car rentals at participating Avis and Budget locations in Canada and the U.S.

  • Earning 50% more Stars at Starbucks locations

  • Purchasing TD Auto Club Membership and getting 24/7 access to emergency roadside assistance services 

Just like most other TD credit cards, a TD Platinum Travel Visa Card qualifies for TD Payment plans allowing you to convert your purchases of $100 and more into manageable monthly payments with a lower fee and zero interest. Based on the term, the fees for TD Payment Plans are:

  • 4% for a 6-month plan

  • 6% for a 12-month plan

  • 8% for an 18-month plan

Insurance coverages included in a TD Platinum Travel Visa Card are flight or trip delay insurance, delayed or lost baggage insurance, common carrier accident insurance, auto rental collision, and loss damage insurance, purchase security, and extended warranty insurance.

Pros and cons

Here are the advantages of a TD Platinum Travel Visa Card:

  • Reward-earning and redemption opportunities from TD

  • Benefits from partner integrations

  • Eligibility for TD Payment Plans

  • Contactless payment through digital wallets

  • No minimum annual income requirements to apply

The disadvantages are:

  • An $89 annual fee

  • The lack of exclusive privileges from Visa

  • The lack of travel medical insurance, trip cancellation and interruption insurance, hotel or motel burglary insurance, and mobile device insurance

How to apply for a TD Platinum Travel Visa Card

You can apply for a TD Platinum Travel Visa Card online, by phone, or at your local TD branch. 

To apply online, click the “Apply online” button on the credit card description page. If you are a TD client already, sign in using your EasyWeb online banking credentials. If not, click the “Apply Online” button and proceed with the application form. During the application, you will need to provide the following details:

  • Your province of residence

  • Your personal information (including your first name, middle name, last name, title, and date of birth)

  • Your social insurance number

  • Your phone number

  • Your email

  • Your address

  • Your employment details (including your employment status, employer’s name, industry, occupation, work phone number, and the date since when you’ve been employed)

  • Your gross annual personal income

  • Other household income

  • Your residential status (own, rent, live with parents, or board)

  • Your housing expenses (monthly mortgage payment, property tax, gas/electricity cost, condo fee, and rent)

  • The credit limit you need

  • Whether you need to register additional cardholders

  • Whether you want to enroll in the TD Credit Card Payment Protection Plan

Once you provide the required information, review the terms and conditions and agree to them to complete the application.

There are no minimum annual income requirements to apply for a TD Platinum Travel Visa Card.

Can I get an emergency cash advance with a TD Platinum Travel Visa Card?Based on your available credit limit, you can request an emergency cash advance of up to $5,000.
Are there any restrictions for buying flights using TD Rewards points?The TD Rewards Program sets no blackouts or seat restrictions for the redemption of TD Rewards points towards travels. The actual redemption opportunities will depend on carrier and space availability.
I don’t have enough TD Rewards points to cover the entire travel cost. Can I combine cash and TD Rewards points?The TD Rewards Program allows you to redeem TD Rewards points towards paying for your trip either in full or partially.
Rate
i

Effective interest rate on the product

19.99% - 22.99%

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