TD Business Travel Visa Card review
Earn up to 120,000 TD Rewards Points and up to $247 in Annual Fee rebates in the first 3 months. Conditions Apply.
- A Welcome Bonus of 30,000 TD Rewards Points when you make your first Purchase.
- Earn 2x the TD Rewards points for the first 3 months up to 90,000 additional TD Rewards points.
- Receive a $10 Statement Credit upon registering for E-Statements in the first 3 months
- Enjoy a 100% Annual Fee rebate for the first year (a value of $149).
- A 100% Annual Fee rebate for two additional cards issued for the same business ($49+$49).
Get exclusive access to Expedia For TD, where you can earn and redeem TD Rewards Points for business travel and business travel-related purchases, both online at ExpediaForTD.com and by phone Book your business trip through Expedia For TD or any other travel provider - the choice is yours!
Choose Expedia For TD to maximize the number of TD Rewards Points you can earn on your business travel purchases No blackouts or seat restrictions under the TD Rewards Program Turn your everyday business purchases into TD Rewards Points that you can redeem for retail business merchandise, gift cards and more.
A suite of travel insurance Earn 9 TD Rewards Points when you book travel online through ExpediaForTD.com using your Card Earn 6 TD Rewards Points when you book travel through Expedia For TD by calling 1-877-222-6492 Earn 3 TD Rewards Points for every $1 you spend on business purchases made using your Card Your TD Rewards Points don't expire as long as you're a TD Business Travel Visa Cardholder
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Priority airport services
No
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Airport lounge access
No
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Concierge service
No
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Balance protection(Optional)
No
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Purchase Security & Extended Protection Insurance
Yes
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Flight delay insurance,Baggage Insurance
Yes
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Vehicle rental insurance
Yes
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Travel accident insurance
Yes
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Travel medical insurance
Yes
- Annual Fee: $149
- Additional Card Fee: $49
- Purchases Interest Rate: 19.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
The TD Rewards Program lets you earn TD Rewards Points on your everyday business purchases and gives you the freedom and flexibility to redeem them how and when you want.
You can also redeem any earned TD Rewards Points towards that purchase at time of booking to pay for all or part of your trip. Or, use your TD Business Travel Visa Card to book business travel with any other travel provider of your choice. You can then redeem your TD Rewards Points towards that purchase within 90 days after the purchase date. TD Rewards Points can also be used for business travel related purchases made with your Card such as airport taxes and golf fees!
Automotive Features Auto Rental Collision/ Loss Damage Insurance
Use your TD Credit Card to charge the full cost of a car rental to get the Collision/Loss Damage coverage at no additional cost. Save with Avis Rent A Car and Budget Rent A Car. Use your TD Credit Card to save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations. Option to purchase Business TD Auto Club Membership and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
The TD Business Travel Visa card is the first in TD's line of business credit cards. This card carries an annual fee of $149 for the primary cardholder and $49 for each additional cardholder. The annual interest rate is 19.99% on purchases and 22.99% on cash advances.
This card is the business counterpart to TD's personal rewards card. The TD Business Travel Visa rewards businesses with flexible TD Rewards Points on common business expenses. And the points can accumulate quite quickly. Cardholders earn 9 TD Rewards Points for every $1 spent on travel booked through Expedia; 6 TD Rewards Points for every $1 spent on foreign currency purchases, restaurants, and recurring bill payments; and 2 TD Rewards Points for every $1 spent on all other eligible purchases.
Currently, there is a welcome bonus offer of up to 120,000 TD Rewards Points for new members. The annual fee for all of these features is $149.
Additional benefits include comprehensive travel insurance, rental car discounts, and access to the TD Card Management Tool, which provides cardholders with a simple and convenient way to track their account usage, review business expenses, and apply spending controls to each account.
There is no income requirement to apply for this card. Cardholders simply must be Canadian residents who have reached the age of majority in their province or territory.
The bottom line: The TD Business Travel Visa offers businesses a convenient way to track and manage spending, while earning flexible rewards on common business expenses. Its travel insurance and rental car benefits provide added value for businesses whose employees travel regularly for work. This card recognizes that running a business requires regular spending, and it provides a way for businesses to make the money they are already spending go a bit further.
Annual interest rates, fees and features are current as of August 17, 2021 unless otherwise indicated and subject to change.
1 Welcome Bonus applies only to the new TD Business Travel® Visa Account opened for the Card with the Annual Fee of $149 issued in the name of the business (the “Account”). If you are approved, the Welcome Bonus will be awarded to the Account only after the first Purchase is charged to the Account. Limit of one (1) Welcome Bonus for the Account. We reserve the right to limit the number of Accounts opened by any one person or business. Welcome Bonus does not apply to additional Cards issued in the name of the same business. Other conditions apply. To receive 2x the TD Rewards Points in the first three months of Account opening, (up to an additional maximum of 90,000 TD Rewards Points), you must apply for an Account between August 17, 2021 – December 5, 2021. For the first 90 days following Account approval, the Primary Business Cardholder will earn (i) 18 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD, (ii) 12 TD Rewards Points for every $1 spent on Foreign Currency Purchases using the Card when making foreign exchange Purchases, and for every $1 spent on Restaurant Purchases and regularly recurring bill payments made on the card, and (iii) 4 TD Rewards Points for every $1 spent on all other business purchases made using the Card. Any returned items, refunds, rebates or other similar credits on any purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned on the original Purchase. Once the 2x the TD Rewards Points cap of 90,000 TD Rewards Points is reached, any further Purchases made in the first 3 months will earn TD Rewards Points at the regular 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD, 6 TD Rewards Points for every $1 spent on Foreign Currency Purchases using the Card when making foreign exchange Purchases and every $1 spent on Restaurant Purchases and regularly recurring bill payments made on the card and 2 TD Rewards Points for every $1 spent on all other business purchases made using your Card. The Account will automatically be eligible to receive a one-time statement credit of $10 upon registration for E-Statements within the first 3 months of account opening. Offer may be changed, extended or withdrawn at any time without notice and cannot be combined with any other offer.
The Annual Fee rebate portion of the offer is applicable for the first year only, for the (i) $149 Account, and the (ii) first 2 Additional Cards issued for the same business if any. The rebate of the $49 Annual Fee for the first two Additional Cards issued for the same business if any, is for the first year only. Must apply between August 17, 2021 – December 5, 2021. The Annual Fee for any subsequent $149 Accounts or Additional Cards issued to the same business will continue to apply. The Annual Fee will be rebated within 2 monthly statements from the date of the charge. The full Annual Fee will be charged to the $149 Account and the Additional Accounts (if applicable), after the first year. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not transferable.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not transferable. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of $149 Accounts opened by one person, and the number of Welcome Bonuses. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus and the 2x TD Reward Points are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus and the 2x the TD Rewards Points to be credited to the Account associated with the Primary Business Cardholder, as designated by the Business.
2 The business and business owners are jointly and severally liable for all charges made to each TD Business Card Account.
3 Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Business 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 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. Earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Business 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 Phone 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 Earn 6 TD Rewards Points ("Foreign Currency Rebate") for every $1 in Purchases in a Foreign Currency ("Foreign Currency Purchases") charged to your TD Business 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 Foreign Currency 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. $80,000 Cap: The Foreign Currency Rebate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Foreign Currency Purchases, then any further Foreign Currency Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Foreign Currency Rebate: The Foreign Currency 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.
5 Earn 6 TD Rewards Points ("Restaurant Rebate") on each $1 in Purchases at restaurants ("Restaurant Purchases") charged to your TD Business 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 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. $80,000 Cap: The Restaurant Rebate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 Cap has been reached for Restaurant Purchases, then any further Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Restaurant Rebate: The Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Restaurant Rebate, the Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "restaurant" category. Some merchants may not be classified with a restaurant MCC and such Purchases will not earn the 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 6 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 Business 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. $80,000 Cap: The PAP Rebate is only available to a $80,000 maximum net annual spend ("$80,000 Cap"). Once the $80,000 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 2 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.
7 Earn 2 TD Rewards Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Business 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.
8 Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com 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.
9 Subject to carrier/space availability.
10 TD Rewards Points are earned for Purchases charged to the Account. Credits for refunds, returned items, rebates and other similar credits will reduce or cancel the TD Rewards Points earned by the full or partial amount originally charged to the Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa* Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn TD Rewards Points.
11 TD Rewards Points must be redeemed in minimum 200-point increments for business travel purchases charged to your Card that are booked online or by phone through Expedia For TD. For business 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 Rewards Program Terms and Conditions (“Travel Terms”) contained in the TD Business Travel Visa* Cardholder Agreement. The Travel Terms are available on www.td.com/businesscardagreements. We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for business 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 business travel purchase. The required TD Rewards Points will be redeemed from the TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the business travel purchase, not the transaction date of the business travel purchase. The amount that will be credited toward the business 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 business travel purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the business travel purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment. Expedia For TD is operated by Expedia, Inc. at www.ExpediaForTD.com 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.
12 The Visa SavingsEdge* Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.
13 Underwritten by TD Life Insurance Company. 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 included with your Benefit Coverages Guide. The day of departure from and the day of return to your province of residence each count as one full day. 15-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available to all TD customers, which you may be eligible to top up with.
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 Benefit Coverages Guide.
15 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.
16 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 Benefit Coverages Guide.
17 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 Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.
18 Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and 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.
19 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and 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 Budget Rent A Car System, Inc.
20 TD Auto Club is provided by AXA Assistance Canada Inc., an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.
21 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 Benefit Coverages Guide.
22 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.
23The Visa Checkout service is made available through Visa. The Toronto-Dominion Bank and its affiliates are not responsible for the service including any offers made available to you through the service.
24 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. 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 included with your Benefit Coverages Guide. Note that this insurance offers different benefits, with different terms and conditions, then the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.
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Welcome offer
Earn 90,000 welcome bonus Membership Rewards® points
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- Earn a welcome bonus of 90,000 Membership Rewards® points when you spend $10,000 in purchases within the first three months of Cardmembership. That’s $900 in statement credits that can be reinvested in your business.
Earn points that you can redeem in a variety of ways.
- Earn 1.25 Membership Rewards points for virtually every $1 in purchases and get the most out of your business expenses
- Enjoy an exceptional line-up of rewards redemption options for you and your business, including travel, dining, entertainment, gift cards, merchandise, and more with Membership Rewards program.
- Transfer points to frequent flyer and hotel programs, including one-to-one to Aeroplan®* and Avios.
Unlock business possibilities with a full suite of business management tools that give you more control over your business - anytime and anywhere
- Enjoy financial flexibility with no pre-set spending limit on purchases. With this Card, your purchasing power adjusts dynamically with your Card usage, and can grow over time, as long as you make your payments on time and maintain a good credit history.
- Maximize your cash flow with up to 55 interest free days so you can keep more cash on hand when you need it most.
- Pay for business expenses over time with Flexible Payment Option.
- This charge card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. Interest rate of 20.99% applies to your Flexible Payment Option balance. This rate is effective from the day the Flexible Payment Option is first available on your account.
Enjoy exclusive benefits for you and your business.
- Take full advantage of the American Express Global Lounge Collection which unlocks access to over 1300 airport lounges worldwide. This includes The Centurion® Lounge network, Plaza Premium Lounges, and hundreds of other domestic and international lounges designed to enhance your travel experience.
- Enjoy premium benefits at the Toronto Pearson Airport, including access to the Pearson Priority Security Lane and discount on parking.
- Get access to discounted base fares for you and your travel companions when you book through the International Airline Program.
- Enjoy access to specialty services and events, preferential treatment, and a dedicated Concierge team.
Access comprehensive insurance coverage for your travel needs.
- Access Out of Province/Country Emergency Medical Insurance (for under age 65), even if you don’t charge your tickets and travel arrangements to your Business Platinum Card.
- Access Trip Cancellation Insurance, Trip Interruption Insurance, Travel Emergency Assistance, and up to $500,000 Travel Accident Insurance when you fully charge your tickets and travel arrangements to your Business Platinum Card.
- Plus, access Lost or Stolen Baggage Insurance, Flight Delay Insurance, and Baggage Delay Insurance when you fully charge your airline tickets to your Business Platinum Card.
- Save money when travelling with complimentary Car Rental Theft and Damage Insurance
Access coverage that can protect your business purchases when you charge the full price of eligible items to your Business Platinum Card
- Protect your eligible purchases against accidental physical damage and theft for up to 90 days with Purchase Protection® Plan
- Double the manufacturer’s original warranty up to one additional year with Buyer’s Assurance® Protection Plan
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply.
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American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. Conditions apply
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Author Bio
Mohamed Konate is a personal finance expert, blogger, and marketing consultant based in Toronto. He is a former financial services professional who worked at major Canadian financial institutions for many years. He managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor's in Business Administration from the University of Quebec (Montreal) and a Master's in International Business from the University of Sherbrooke (Quebec). He is also the author of the Canadian Credit Card Guidebook and earns rewards with the American Express Cobalt credit card.
