RBy Rez · 2 min read
Overview
The TD Platinum Travel Visa is TD's accessible travel rewards card, notable for having no minimum income requirement. It earns TD Rewards Points on a tiered structure — 6 points per $1 via Expedia For TD, 4.5 points per $1 on groceries, dining and public transit, 3 points per $1 on recurring bills and streaming, and 1.5 points per $1 on everything else — for an $89 annual fee (rebated in the first year on the current offer). Points are redeemed primarily through Expedia For TD, where they carry their best value.
Who this card is for
This card fits Canadians who want a travel card without an income hurdle — there is no minimum income requirement — and who book travel through online portals rather than airline award charts. It is a step up from no-fee rewards cards for someone with everyday grocery, dining and transit spending who wants travel redemptions, without committing to a $139 Visa Infinite product.
Key benefits
The 4.5 points per $1 on groceries, dining and public transit is the everyday workhorse rate, and 6 points per $1 on travel booked through Expedia For TD is the strongest earning category. Recurring bills and streaming earn 3 points per $1, and all other spending earns 1.5 points per $1 — above the 1x floor of many cards. Redemptions through Expedia For TD are flexible: book any flight or hotel and apply points against the cost, with no blackout dates or seat-availability limits.
Potential drawbacks
The accelerated categories are subject to a $15,000 per-category annual spending cap, after which earning drops to the 1.5x base rate. TD Rewards Points are not transferable to airline or hotel loyalty programs; they live within the TD ecosystem and are most valuable through Expedia For TD, which is not always the cheapest booking channel. Travellers loyal to Air Canada would get more from the TD Aeroplan line.
How it compares
The TD First Class Travel Visa Infinite earns higher rates (up to 8x via Expedia For TD) and adds lounge visits and an annual travel credit, but costs $139 and requires income qualification. The Platinum Travel trades those for accessibility — no income requirement and a lower $89 fee. Against the no-fee TD Rewards Visa, the Platinum Travel earns materially more in its bonus categories, which can outweigh the fee for regular spenders.
Bottom line
An accessible mid-tier travel card for Canadians who book through portals and want solid everyday earning without an income requirement. Best when your grocery, dining and transit spending is enough to clear the $89 fee and you'll redeem through Expedia For TD.
