The TD Business Travel Visa Card is a Canadian business credit card designed for small-business owners who want to earn TD Rewards Points on travel, dining, recurring bills, foreign currency purchases, and everyday business expenses. The card has a $149 annual fee and charges $49 for each additional card.
For 2026, the TD Business Travel Visa Card also offers a promotional opportunity to earn up to 200,000 TD Rewards Points, along with a first-year annual fee rebate for the primary cardholder and up to four additional cardholders, subject to the offer terms.
The card also includes travel insurance, rental car benefits, business expense management tools, and several purchase protections. Because fees, rewards, and promotional offers can change, always check the official TD Business Travel Visa Card page before applying.
TD Business Travel Visa Card at a Glance
| Feature | Details |
| Annual fee | $149 |
| Additional card fee | $49 each |
| Purchase interest rate | 19.99% |
| Cash advance rate | 22.99% |
| Rewards currency | TD Rewards Points |
| Highest earn rate | 9 points per $1 |
| Highest earn category | Online travel through Expedia For TD |
| Welcome offer | Up to 200,000 TD Rewards Points |
| First-year fee rebate | Primary cardholder + first 4 additional cardholders |
| Eligibility | Canadian resident, age of majority |
TD Business Travel Visa Card Annual Fee
The annual fee for the TD Business Travel Visa Card is $149 for the primary cardholder. Each additional card costs $49.
The current promotional offer provides a first-year annual fee rebate for the primary cardholder and the first four additional cardholders. If a business uses all four additional cards, the total first-year fee rebate can be worth $345.
From the second year, the regular annual fees apply.
For businesses with employees who regularly make purchases, additional cards can also make it easier to track spending. However, each additional card should generate enough value to justify its $49 annual fee.
How Much Spending Can Offset the Annual Fee?
The value of TD Rewards Points depends on how you redeem them. When used for eligible travel through Expedia For TD, 200 points can provide $1 in travel value.
That means the $149 annual fee is equivalent to about 29,800 TD Rewards Points at that redemption rate.
Here is an approximate break-even calculation based on the regular earning rates:
| Spending category | Approximate spending to earn $149 in points |
| Online travel through Expedia For TD at 9x | $3,311 |
| 6x bonus categories | $4,967 |
| Other purchases at 2x | $14,900 |
These figures are simple calculations based on the published earning rates. They do not include welcome bonuses, fee rebates, refunds, spending caps, or other promotional benefits.
This makes the card more attractive for businesses that regularly spend in the higher-earning categories.
Who Is Eligible for the TD Business Travel Visa Card?
The basic eligibility requirements for the TD Business Travel Visa Card are straightforward.
Applicants must:
- Be a Canadian resident.
- Have reached the age of majority in their province or territory.
- Provide the business information and documentation requested during the application process.
- Meet TD’s credit approval requirements.
TD does not publish a specific minimum credit score or minimum income requirement on the main card page. Approval is based on TD’s assessment of the application.
Business owners should also understand that the business and its owners are jointly and severally liable for charges made to the account.
Sole proprietors are not automatically excluded from applying. However, applicants should be prepared to provide accurate business information and any documents TD requests.
TD Business Travel Visa Card Application
Applying for the TD Business Travel Visa Card can be done through TD’s available application channels.
1. Prepare Your Business Information
Before starting the application, have your business details and any required documentation ready. TD may ask for information about your business structure, operations, and finances.
2. Apply Online
You can apply for the card through TD’s official website.
3. Apply by Phone or at a Branch
TD also provides phone and branch application options. The number listed by TD for this card is 1-800-680-5767.
4. Add Additional Cardholders
If you want to take advantage of the first-year fee rebate for additional cardholders, make sure eligible cards are added according to the promotional terms.
5. Track Your Welcome Offer
The current promotional offer has different spending requirements and deadlines. Keep track of each deadline so you do not accidentally miss a bonus.
TD Business Travel Visa Card Rewards
One of the main reasons businesses consider the TD Business Travel Visa Card is its tiered rewards structure.
Cardholders can earn:
| Purchase category | Points per $1 |
| Online travel through Expedia For TD | 9 |
| Travel booked by phone through Expedia For TD | 6 |
| Dining | 6 |
| Electric vehicle charging | 6 |
| Public transit | 6 |
| Streaming and digital media | 6 |
| Digital gaming | 6 |
| Recurring bill payments | 6 |
| Foreign currency purchases | 6 |
| Other eligible purchases | 2 |
The highest earning rate is 9 TD Rewards Points per $1 on eligible online travel purchases made through Expedia For TD.
The 6x categories can also be useful for businesses with regular dining, transportation, recurring bills, or foreign currency expenses.
Keep in mind that merchant category codes determine how transactions are classified. A purchase that appears to fit a bonus category may not always receive the higher earning rate.
TD Business Travel Visa Card Welcome Offer 2026
The current TD Business Travel Visa Card promotion can provide up to 200,000 TD Rewards Points when all applicable conditions are met.
The offer includes:
- 30,000 points after the first purchase.
- 120,000 points after spending $15,000 within the first 180 days.
- 30,000 points after spending $25,000 within the first 365 days.
- 20,000 points after making a purchase during the 15th billing cycle.
The offer also includes a first-year annual fee rebate for the primary cardholder and the first four additional cardholders, subject to the applicable conditions.
This welcome offer can be valuable, but businesses should not increase spending simply to earn a credit card bonus. The spending requirements are significant, so the card makes more sense when those expenses already fit naturally into the business budget.
TD Business Travel Visa Card Travel Insurance
The TD Business Travel Visa Card includes several travel insurance benefits that can be useful for business owners who travel regularly.
Depending on the coverage and eligibility requirements, benefits can include:
- Travel medical insurance
- Trip cancellation insurance
- Trip interruption insurance
- Flight or trip delay coverage
- Delayed and lost baggage coverage
- Common carrier accident insurance
- Rental car collision/loss damage insurance
Travel medical insurance can provide up to $2 million in eligible coverage for the applicable travel period. Certain age-related conditions can reduce the covered number of days.
Trip cancellation coverage can provide up to $1,500 per person, while trip interruption coverage can provide up to $5,000 per person, subject to the applicable maximums and conditions.
Some travel insurance benefits require the trip to be paid for with the card, TD Rewards Points, or a combination of both.
Before relying on the coverage, read TD’s current Benefits Coverage Guide carefully. Exclusions, eligibility requirements, claim conditions, and coverage limits apply.
Internal Link Placement:
United States Travel Visa Requirements for Tourists in 2026]
Other TD Business Travel Visa Card Benefits
The TD Business Travel Visa Card offers several additional benefits beyond rewards and travel insurance.
Business Expense Management
The TD Card Management Tool can help businesses review transactions, manage credit limits, monitor expenses, and apply spending controls.
This can be useful when several employees use additional cards.
Rental Car Discounts
Cardholders may receive discounts through participating Avis and Budget rental programs, subject to the applicable terms.
Visa SavingsEdge
Eligible cardholders can link their card to Visa SavingsEdge and access selected savings offers on business purchases.
Purchase Protection
Eligible purchases can receive Purchase Security and Extended Warranty Protection under the applicable terms.
Digital Wallets
The card supports compatible digital payment services, including Apple Pay, Google Pay, and Samsung Pay.
Emergency Cash
Eligible cardholders may request an emergency cash advance of up to $5,000, subject to available credit and applicable interest and fees.
TD Business Travel Visa Card Foreign Currency Purchases
Foreign currency purchases can earn 6 TD Rewards Points per $1, making this category potentially useful for businesses that regularly make international purchases.
However, rewards should not be considered in isolation. Foreign transaction fees and the exchange rate applied to the purchase can affect the overall value.
If your business makes frequent purchases outside Canada, compare the total cost of foreign transactions with the rewards earned before deciding whether this card is the best option.
Internal Link Placement:
Suggested anchor: UAE Golden Visa Requirements 2026
This link can fit naturally if the article is discussing international business travel or spending. If you have a more directly related international travel article on TravelPrayers, use that instead.
What Are the Downsides of the TD Business Travel Visa Card?
The TD Business Travel Visa Card can provide strong rewards, but it is not suitable for every business.
$149 Annual Fee
The $149 annual fee becomes an ongoing cost after the first year. Businesses need enough eligible spending to make the rewards worthwhile.
High Spending Requirements
The welcome offer requires substantial spending. A business that cannot naturally reach the spending thresholds should not spend extra money just to earn bonus points.
Best Rewards Are Category-Based
The 9x and 6x rates apply only to eligible purchases. Other spending earns 2 points per $1.
Interest Can Reduce the Value
The purchase interest rate is 19.99%. Carrying a balance can quickly cost more than the value of the rewards earned.
Redemption Value Can Vary
TD Rewards Points can have different values depending on the redemption method. Businesses should compare redemption options rather than assuming every point has the same value.
Is the TD Business Travel Visa Card Worth It?
The TD Business Travel Visa Card can be a strong choice for Canadian businesses that regularly spend on travel and other bonus categories.
It may be particularly useful if your business:
- Books eligible travel through Expedia For TD.
- Has regular dining expenses.
- Pays recurring bills with a credit card.
- Makes eligible foreign currency purchases.
- Has employees who need additional cards.
- Can comfortably meet the promotional spending requirements.
- Pays the balance in full each month.
The card may be less attractive if your business has low annual spending or mostly makes purchases that earn the basic 2 points per $1.
Before applying, compare the TD Business Travel Visa Card with other business credit cards available in Canada and consider the annual fee, rewards, insurance, and redemption options together.
TD Business Travel Visa Card vs. Other Business Cards
The best business credit card depends on how your company spends money.
The TD Business Travel Visa Card is designed for businesses that want flexible TD Rewards Points and travel-related benefits.
A business owner who prefers airline rewards may want to compare it with a TD Aeroplan business card. Meanwhile, someone who prefers straightforward cash rewards may prefer a business cash-back card.
There is no single best business credit card for every company. Your normal spending pattern should determine which card provides the most value.
Frequently Asked Questions
What is the annual fee for the TD Business Travel Visa Card?
The annual fee is $149 for the primary cardholder, while each additional card costs $49. The current promotional offer includes a first-year fee rebate for the primary cardholder and the first four additional cardholders, subject to the offer terms.
Who can apply for the TD Business Travel Visa Card?
Canadian residents who have reached the age of majority in their province or territory can apply. TD does not list a specific minimum income or credit score on the main product page.
How many TD Rewards Points can I earn?
The current welcome offer provides up to 200,000 TD Rewards Points when all applicable requirements are met. Regular spending can earn up to 9 points per $1 on eligible online travel booked through Expedia For TD.
Do TD Rewards Points expire?
TD Rewards Points generally remain available while the account is open and in good standing. However, closing an account can affect unused points or outstanding promotional rewards. Check the current TD terms before cancelling your card.
Is the TD Business Travel Visa Card good for international spending?
The card can be useful for eligible foreign currency purchases because those transactions can earn 6 points per $1. However, businesses should also consider foreign transaction fees and the total cost of international purchases.
Final Thoughts
The TD Business Travel Visa Card is designed for Canadian businesses that want flexible TD Rewards Points, travel benefits, and useful expense-management features in one card.Its strongest features include up to 9 points per $1 on eligible online travel through Expedia For TD, 6x rewards on several everyday categories, travel insurance, and a current promotional opportunity to earn up to 200,000 TD Rewards Points.
The main question is whether your business can generate enough eligible spending to justify the $149 annual fee after the first year. If you regularly travel, have employees who need additional cards, spend heavily in the bonus categories, and pay your balance in full, the TD Business Travel Visa Card may offer strong value. However, businesses with lower spending or a preference for simple cash back may find another business credit card more suitable.
