✅ With the TD Platinum Travel Visa, you can earn up to 50,000 TD Rewards points (worth approximately $370)
✅ Accelerated earning: 6 points per dollar on travel and 4.5 points on everyday purchases
✅ No minimum annual income requirement to apply
✅ Platinum travel insurance package included (flight delay, baggage delay, and hotel theft)
Why does Rede Utua recommend the TD Platinum Travel Visa Card?
TD Bank is one of the pillars of the Canadian financial system and a member of the “Big Five” (the country’s five largest banks). Rede Utua recommends this card because it offers the perfect balance between accessibility and prestige. Unlike other elite cards that require annual incomes of $60,000 or more, the TD Platinum Travel Visa is more democratic, it focuses on your credit history, allowing more travellers to access Platinum-level benefits.
Beyond accessibility, institutional trust is a major differentiator. Holding a TD card means relying on a global network of 24/7 emergency support and assistance. For Rede Utua, the combined value, reaching up to $370 in the first year through points and the annual fee waiver, makes this card one of the best cost-benefit options for travellers who want protection and fast, secure rewards accumulation.
High-level rewards on every purchase
The TD Platinum Travel rewards structure is designed for those who want to see their points balance grow quickly. You earn an impressive 6 points per dollar when booking travel through Expedia for TD. Everyday spending remains highly rewarding as well: 4.5 points on groceries, restaurants, and public transportation, and 3 points on recurring payments and streaming services. Even regular purchases earn 1.5 points per dollar, a rate higher than most entry-level cards.
The biggest advantage is flexibility. TD Rewards points never expire and have no seat restrictions or blackout dates. You can redeem them for flights, hotels, or even purchases at Amazon.ca and Starbucks®. According to the bank’s calculations, an average monthly spending pattern can generate over 240,000 points in a year, equivalent to more than $1,200 in travel value, proving that this card is a powerful rewards generator.
Travel security and insurance coverage
What truly sets the TD Platinum Travel Visa apart from a standard card is its insurance package. It provides peace of mind in unexpected situations, with coverage of up to $500 for flight delays exceeding four hours and up to $1,000 for delayed or lost baggage. It also includes up to $500,000 in common carrier accident insurance and hotel or motel burglary insurance of up to $2,500 per occurrence.
For road trips, the card includes Car Rental Collision/Loss Damage Insurance, allowing you to decline the rental company’s costly coverage when you pay with the card. Combined with global emergency travel assistance services, this protection ensures you have TD experts available to help with medical or personal issues anywhere in the world.
Author’s opinion
In our opinion, the TD Platinum Travel Visa is the ultimate “wild card” for frequent travellers who don’t want to be restricted by high household income requirements. The $89 annual fee being waived in the first year removes any barrier to entry, allowing you to test the card and earn the 50,000-point welcome bonus virtually “for free.” It’s a smart strategy for anyone planning a mid-range trip in the next 12 months and looking to significantly reduce travel costs.
That said, a word of caution is necessary: with a purchase interest rate of 21.99%, this card only makes sense if you pay your balance on time. The focus here is travel benefits, not debt financing. If you use public transportation and enjoy dining out, the 4.5x earning rate can turn your routine into vacations faster than you might expect. Our advice is to concentrate most household spending on the card to maximize the accelerated earning bonus in the first 90 days.
Want to know everything about the TD Platinum Travel Visa Card?
To learn how to secure the 15,000 points on your first purchase and the additional 35,000 points after spending $1,000, click the button below. On the next page, we’ll explain how the Expedia for TD portal works and how you can save even more on Avis and Budget car rentals.
