TD Business Travel Visa

Overview

The TD Business Travel Visa Card is TD Bank's travel-focused card for Canadian business owners. Issued under the Visa network, it earns TD Rewards Points on business spending, redeemable for travel booked through Expedia For TD or as statement credits. The $149 CAD annual fee covers comprehensive business travel insurance alongside the points earn. TD Rewards Points have a fixed redemption value when used on Expedia For TD bookings, offering predictability if you prefer booking travel directly rather than navigating transfer partner award charts. There is no stated personal income requirement.

Who this card is for

This card suits a small business owner or self-employed professional who travels regularly for business and wants a card that bundles travel insurance coverage with a meaningful welcome bonus. If your business travel budget runs above $5,000 CAD annually, the points earn and insurance coverage together tend to justify the annual fee. It works well for business owners who book through online travel portals rather than airline programs, because Expedia For TD is where TD Rewards Points deliver their best redemption value.

Key benefits

The TD Rewards earn structure on the Business Travel Visa rewards travel-adjacent spending: the card earns at an elevated rate on travel bookings made through Expedia For TD, with meaningful rates on other business spending categories. A welcome bonus of TD Rewards Points is available on first purchase, with additional points for meeting a spending milestone.

Business travel insurance coverage is the practical argument for the $149 CAD fee over the no-fee TD Business Cash Back Visa. Medical and trip coverage protects employees travelling on behalf of the business, which is a real liability management tool. The card works for both incorporated and unincorporated businesses applying through TD's small business division.

Potential drawbacks

TD Rewards Points are a walled-garden currency — they work best inside the Expedia For TD ecosystem and don't transfer to Aeroplan or hotel loyalty programs. If you prefer flexible airline redemptions or hotel transfers, TD Rewards feels constrictive compared to Membership Rewards or Aeroplan-earning alternatives. The $149 CAD annual fee also puts this in direct competition with the TD Aeroplan Visa Business, which earns directly in Aeroplan at the same fee — a more portable currency for frequent Air Canada travellers.

How it compares

At the same $149 CAD fee, the TD Aeroplan Visa Business earns Aeroplan points directly, with 1.5x on dining, transit, and select business categories. For business owners who fly Air Canada and care about lounge access or free bags, the Aeroplan Business is the stronger call. For non-Air Canada travellers who book through online portals and want bundled travel insurance, the TD Business Travel Visa holds its own. The American Express Gold Business earns MR points — transferable to Aeroplan and hotel programs — at a $250 CAD fee, which is the premium option if currency flexibility matters.

Bottom line

The TD Business Travel Visa makes sense for business owners who book travel through portals rather than loyalty programs and want the insurance package baked in. If Aeroplan or transferable points currency matters to you, the TD Aeroplan Visa Business is worth comparing at the same fee.