Pros & Cons
Pros
- +First Year Annual Fee Rebate ($149 annual fee rebated)
- +Welcome Bonus: 200,000 points
- +Up to 6x on Restaurants
Cons
- –Foreign Transaction Fee (2.5%)
- –No airport lounge access despite fee
Our Review
The TD Business Travel Visa* Card is a business credit card built to turn your company's everyday spending into travel points, with expense-management tools.
With the current welcome offer, you can earn up to 200,000 TD Rewards Points (a value of up to $1,300):
- 30,000 TD Rewards Points when the Primary Cardholder makes their first purchase
- 120,000 TD Rewards Points when spending $15,000 within the first 180 days
- 30,000 TD Rewards Points when spending $25,000 within the first 365 days
- 20,000 TD Rewards Points for a purchase during the 15th-month billing cycle
Plus, the $149 annual fee is rebated for the first year for the Primary Cardholder and first four Additional Cardholders ($49 each).
The card earns 9 points per $1 on travel booked online through ExpediaForTD.com, 6 points per $1 on dining, EV charging, public transit, recurring bill payments and foreign-currency purchases (up to $80,000 per category annually), and 2 points per $1 on all other purchases. It also includes a suite of travel insurance and the TD Card Management Tool.
Rewards
All Spending
2x
TD Rewards pts per dollar
Restaurants
6x
Recurring
6x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
86,400
TD Rewards/yr
Estimated Value
$432
After Fees
+$432
1st Year Value
$732
incl. welcome bonus
Annual rewards breakdown
- Earn 30,000 TD Rewards
- Earn 120,000 TD Rewards after $15,000 in purchases within the first 180 days, spend $35/mo more
- Earn 30,000 TD Rewards after $25,000 in purchases within the first 365 days
- Earn 20,000 TD Rewards with a purchase around month 15 (year 2)
First-year advantages
- $149
Travel Insurance
Travel medical (under 55)
Included
Travel medical (55-64)
Included
Trip Cancellation
Included
Trip Interruption
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Included
Fees and interest rates
- Annual Fee$149
First Year Annual Fee Rebate
- Additional card fee$49
First Year Annual Fee Rebate
- Foreign currency conversion fee2.5%
- Purchase Rate19.99%
- Cash advance rate22.99%
Terms & Conditions
Card Features
Earn up to 200,000 TD Rewards Points:
- 30,000 TD Rewards Points when the Primary Cardholder makes their first purchase
- 120,000 TD Rewards Points when the Primary Cardholder spends $15,000 within 180 days of account opening
- 30,000 TD Rewards Points when the Primary Cardholder spends $25,000 within 365 days of account opening
- 20,000 TD Rewards Points when a purchase is posted during the 15th-month billing cycle
- First-year Annual Fee Rebate for the Primary Cardholder ($149) and first four Additional Cardholders ($49 each)
Account must be approved, open and in good standing. Offer may be changed, withdrawn or extended at any time. Offer effective as of March 2, 2026.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.