The TD Business Travel Visa Card is TD Bank’s travel-focused business credit card, designed for Canadian small business owners and self-employed professionals who want to earn TD Rewards points on business spending and access travel perks and insurance. With a $149 annual fee and TD Rewards earning, it fits into TD’s business credit card lineup above no-fee business options and below premium corporate products.
Quick Verdict
Best for: TD business banking clients who want to earn TD Rewards points on company spending, access travel insurance for business trips, and centralize expenses on a single business Visa with employee card capability.
Not ideal for: Business owners who want to earn Aeroplan miles directly (consider the TD Aeroplan Visa for business), those who prefer cash back (consider a business cash back card), or those with lower monthly spending who can’t justify the $149 annual fee.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $149 |
| Employee card fee | Verify at td.com |
| Purchase interest rate | Verify at td.com |
| Cash advance rate | Verify at td.com |
| Foreign transaction fee | 2.5% (typical) — verify at td.com |
| Income / revenue requirement | Verify at td.com |
| Network | Visa |
| Rewards | TD Rewards Points |
| Welcome bonus | Verify current offer at td.com |
Card terms, earn rates, fees, and all features are subject to change. Verify all current details at td.com before applying.
Welcome Bonus
TD typically offers a welcome bonus for new Business Travel Visa cardholders — verify the current bonus offer (TD Rewards points and/or first-year annual fee rebate) at td.com. Welcome bonuses are often contingent on meeting a minimum spend threshold within the first 3–6 months of account opening.
Earn Rates
Verify all current earn rates at td.com — categories and rates change.
| Spending Category | Points Earned |
|---|---|
| Travel purchases | Elevated rate — verify at td.com |
| All other purchases | Base rate — verify at td.com |
Annual points estimate (example)
At an illustrative 2 TD Rewards points per $1 spent on $4,000/month business spending:
- Annual spend: $48,000
- Points earned: 96,000 TD Rewards points
- Value when redeemed for travel through Expedia For TD (at ~$0.005/point): approximately $480
This is illustrative only. Verify actual earn rates and redemption values at td.com.
TD Rewards: How Points Work
TD Rewards points earned on the Business Travel Visa can be redeemed through multiple channels:
Travel (Expedia For TD)
- Best value option: book flights, hotels, and packages through Expedia For TD using points
- Competitive redemption rate versus cash-equivalent options
Statement credits
- Apply points as statement credits to reduce your balance
- Lower value per point than travel redemption — verify rates at td.com
Merchandise and gift cards
- Through the TD Rewards catalogue
- Typically lower per-point value than travel
Amazon.ca (TD Rewards on Amazon)
- Use TD Rewards points directly at Amazon.ca checkout
- Verify current redemption rates
Recommendation: Redeem for travel through Expedia For TD to maximize point value.
Travel Insurance
The TD Business Travel Visa Card includes travel insurance for business trips. Common coverages include:
| Coverage | Details |
|---|---|
| Emergency travel medical | Verify limit and trip length at td.com |
| Trip cancellation | Verify limit at td.com |
| Trip interruption | Verify limit at td.com |
| Common carrier accident | Verify limit at td.com |
| Lost/delayed baggage | Verify at td.com |
| Rental car collision/damage | Verify at td.com |
Coverage amounts, exclusions, and eligibility conditions are detailed in the Certificate of Insurance available at td.com. Business travel insurance details may differ from personal travel card coverage.
Business Features
Employee cards
- Add employee cards to consolidate business spending
- All employee spending earns TD Rewards points on the main account
- Fee per employee card — verify at td.com
Expense management
- All transactions visible in TD’s online business banking portal
- Export transaction data for accounting purposes
Year-end summary
- Annual spending summary to assist with business tax preparation and expense reporting
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee (primary card) | $149 |
| Annual fee (employee cards) | Verify at td.com |
| Purchase interest rate | Verify at td.com |
| Cash advance rate | Verify at td.com |
| Foreign transaction fee | Verify at td.com (typically 2.5%) |
| Balance transfer rate | Verify at td.com |
TD Business Travel Visa vs. Other Business Travel Cards
| Card | Annual Fee | Rewards | Key Strength |
|---|---|---|---|
| TD Business Travel Visa | $149 | TD Rewards Points | TD ecosystem, broad travel rewards |
| RBC Avion Visa Infinite Business | $175 | Avion Points | Avion redemption flexibility, RBC ecosystem |
| Amex Business Gold Rewards | $199 | Membership Rewards | MR transfer partners, Aeroplan, airline transfers |
| Scotiabank Business Visa | Low/no fee | Minimal or none | Basic business Visa, no annual cost |
| BMO CashBack Business Mastercard | $0 | Cash back | Cash back simplicity, no annual fee |
For TD business banking clients who want a points card, the TD Business Travel Visa is a natural fit within the TD ecosystem. For Aeroplan-focused business owners, consider the TD Aeroplan Visa Infinite Business or Amex Business products. For pure cash back, the BMO CashBack Business Mastercard at $0 annual fee may be more efficient.
Who Is the TD Business Travel Visa Card Best For?
Ideal cardholders:
- Small business owners and self-employed Canadians who bank with TD and want to earn TD Rewards on business spending
- Business owners who travel for work and want integrated travel insurance coverage
- Those who need employee cards to consolidate business expenses under one account
- Businesses spending $3,000–$8,000+/month where the rewards justify the $149 annual fee
Less suitable if:
- Your business spending is under $2,000/month — a no-fee business card may offer better net value
- You want to earn Aeroplan miles directly — the TD Aeroplan Visa Infinite Card earns Aeroplan directly and may be worth the additional annual fee
- You prefer cash back over points — the BMO CashBack Business Mastercard or similar is simpler
Bottom Line
The TD Business Travel Visa Card is a solid mid-tier business credit card for TD bank clients who want to earn TD Rewards points on company spending, access travel insurance for business trips, and manage employee expenses efficiently. The $149 annual fee is justified for businesses spending $4,000+ monthly. Verify the current welcome bonus and earn rates at td.com, as TD periodically updates these figures.
Card terms, earn rates, annual fees, and travel insurance coverages are subject to change. Verify all current details at td.com before applying.