Travel rewards are the most popular type of reward credit cards in North America.  Most reward programs offer travel rewards in the form of flights, cruises, holiday packages, hotels and rentals cars.  While the most popular reward programs in the country are Air Miles and Aeroplan, several banks and credit card issuers offer their own programs that can be fairly lucrative.

TD Travel Rewards options

The TD Visa Travel Rewards program is offered by TD Canada Trust and allows members to redeem accumulated points for travel through their website starting at 10,000 points with no blackouts or restrictions.  Earn bonus rewards when you purchase travel through the TD Travel Rewards Centre.

TD Travel Rewards offers three different options for personal travel rewards credit cards.  Choosing the right card depends on your spending habits and income level.  Let’s take a look at the three different options from TD Travel Rewards.

TD First Class Travel Visa Infinite Card

This card is recommended for individuals with a high income who spend at least $2,500 on their credit card each month.

  • Welcome bonus of 20,000 TD Points upon approval
  • Earn 3 TD Points for every $1 you spend
  • Automatically receive Trip Cancellation and Trip Interruption Insurance when you purchase travel using your Card
  • Automatically receive Travel Medical Insurance whether or not you purchase travel using your Card.  You’ll be covered for 8-day trips if you’re under 65 and 2-day trips if you’re 65 or older
  • Access to new exclusive hotel and dining privileges, including hotel upgrades, concierge service and restaurant reviews
  • Earn triple rewards when you book your travel through the TD Visa Travel Rewards Centre using your TD First Class Travel Visa Infinite Card.  That’s 9 points for every $1 you spend on travel purchases on your Card
  • Annual Interest Rates for purchases: 19.99%
  • Annual Fee: $120

How quickly would your TD Travel Rewards add up with the TD First Class Travel Visa Infinite Card?

  • Welcome bonus = 20,000 points
  • Average monthly purchases ($2,500 x 12) = 90,000
  • Annual travel booked at TD Travel Rewards centre ($3,000 x 9) = 27,000
  • Total spent = $33,000
  • Total points earned = 133,000
  • Free travel rewards earned = $685

TD Platinum Travel Visa Card

This card is recommended for individuals who spend at least $1,500 on their credit card each month.

  • Welcome bonus of 15,000 TD Points upon approval
  • Earn 3 TD Points for every $1 you spend
  • Automatically receive Trip Cancellation and Trip Interruption Insurance when you purchase travel using your Card
  • Automatically receive Travel Medical Insurance whether or not you purchase travel using your Card.  You’ll be covered for 8-day trips if you’re under 65 and 2-day trips if you’re 65 or older
  • Earn double rewards when you book your travel through the TD Visa Travel Rewards Centre using your TD Platinum Travel Visa Card.  That’s 6 points for every $1 you spend on travel purchases on your Card
  • Annual Interest Rates for purchases: 19.99%
  • Annual Fee: $99

How quickly would your TD Travel Rewards add up with the TD Platinum Travel Visa Card?

  • Welcome bonus = 15,000 points
  • Average monthly purchases ($1,500 x 12) = 54,000
  • Annual travel booked at TD Travel Rewards centre ($3,000 x 6) = 18,000
  • Total spent = $21,000
  • Total points earned = 87,000
  • Free travel rewards earned = $435

TD Classic Travel Visa

This is a basic rewards card and is recommended for individuals who only spend about $500 on their credit card each month.

  • Welcome bonus of 2,000 TD Points upon approval
  • Earn 2 TD Points for every $1 you spend
  • Automatically receive Trip Cancellation and Trip Interruption Insurance when you purchase travel using your Card
  • Automatically receive Travel Medical Insurance whether or not you purchase travel using your Card.  You’ll be covered for 8-day trips if you’re under 65 and 2-day trips if you’re 65 or older
  • Annual Interest Rates for purchases: 19.99%
  • Annual Fee: $19

How quickly would your TD Travel Rewards add up with the TD Classic Travel Visa?

  • Welcome bonus = 2,000 points
  • Average monthly purchases ($500 x 12) = 6,000
  • Annual travel booked at TD Travel Rewards centre ($3,000 x 2) = 6,000
  • Total spent = $9,000
  • Total points earned = 20,000
  • Free travel rewards earned = $100

Final Thoughts

Unfortunately, none of these cards made the top ten list of best travel rewards credit cards in Canada.  Still, the TD Travel Rewards program offers solid travel rewards for individuals who can spend over $2,500 a month of their credit card and who travel fairly frequently to take advantage of the triple rewards received by booking directly through the TD Travel Rewards centre.

Earning 2% rebates before fees is decent, so check out the TD First Class Travel Visa Infinite Card if you are interested in collecting travel rewards and book a lot of travel throughout the year.  I wouldn’t waste my time with the basic TD Classic Travel Visa option, as there are much better no fee rewards cards out there that will earn you at least 1% back in rebates.

*Featured in the Totally Money Carnival

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