TD Business Travel Visa* Card review

†Terms and conditions apply.

Despite the $149 annual fee, the TD Business Travel Visa* Card is a lucrative travel rewards powerhouse that provides companies with impressive rewards in a wide variety of critical business travel categories. This card shines with its earn rates:

• Earn 9 TD Rewards Points for every $1 you spend using ExpediaForTD.com
• Earn 6 TD Rewards points for every $1 in foreign currency purchases and at restaurants and on recurring bills
• Earn 2 TD Rewards Points for every $1 spent on all other purchases.
  

The easiest way to redeem TD Rewards is through eligible travel bookings through Expedia for TD. Business Travel Visa account managers can use TD Rewards points towards "Book Any Way" travel bookings through Expedia for TD or opt to use points for statement credits and education credits or to purchase gift cards or merchandise.

The TD Business Travel Visa* Card offers a range of key benefits that make it an excellent choice for frequent travelers. With this card, you can enjoy the convenience of no travel blackouts or seat restrictions, giving you the freedom to book your travel through any agency. Additionally, you have the flexibility to use your points to cover taxes and fees on your travel bookings, making it even more cost-effective. This card truly understands the needs of business travelers and aims to provide them with a seamless and hassle-free experience.

The TD Business Travel Visa* Card offers a robust insurance package:

• Travel medical insurance: Up to $2 million coverage for the first 15 days of your trip.
• Travel accident insurance: Up to $500,000 for covered losses.
• Trip cancellation/interruption: Up to a maximum of $5,000.
• Flight/trip delay insurance: Up to $500towards hotel and restaurant expenses. 
• Lost or stolen baggage: Coverage up to $1,000 per trip.
• Car rental coverage: Coverage for auto rental collision/loss damage up to $65,000 MSRP.
• Purchase security: On most items for 90 days from purchase date against loss or damage. 

• Extended warranty protection: Automatically extends manufacturer’s warranty.

The card also provides a suite of benefits designed to support businesses on business trips, at the office or even when planning a company get-together. Additional features of the TD Business Travel Visa* Card include:

• The Visa Savings Edge program offers sweet deals to grow your business on brands like Amazon Business, Budget Rent-a-car, Google Ads, Constant Contact, UPS, Zendesk and more. 
• Get a free 12-month Uber One membership, valued at $120.
• Get your Starbuck^® fix - earn more at Starbucks^® by linking the card to earn 50% more TD Rewards Points and Stars.
• Save a minimum of 10% on the lowest available base rates in North America with Avis and Budget. 
• Redeem your TD Rewards Points towards business purchases at Amazon.ca.
• Access TD Card Management Tool to redistribute available credit among cardholders, set restrictions on spend type, temporarily turn a Card on or off, track employees spending with up to 18 months of business transaction data and more. 

These two cards are similar, so what sets them apart? Business perks vs. a focus on travel. The First Class card charges $139 for its annual fee, or $10 less than the Business Travel Visa*. For some good news, both cards’ travel insurance packages are identical. 

The TD First Class Travel^® Visa Infinite* also gives you an annual credit of $100 when you book at Expedia for TD^†. And, because you’re part of the Visa Infinite Benefits program, you’ll get access to 24/7 concierge services, luxury hotel and dining experiences and more. Ultimately, pick the card that best suits your needs. 

The TD^® Aeroplan^® Visa* Business Card’s biggest difference is Aeroplan vs. TD Rewards Points. If you love flying with Air Canada and its partner airlines, want a free first checked bag and access to the Maple Leaf Lounges in North America (though you earn one pass for every $10,000 spent), then this may be a good card for you. It charges a $149 annual fee that you can get waived in the first year. It features the same great insurance benefits, the Visa SavingsEdge program and the TD Card Management Tool. One last difference, the TD® Aeroplan® Visa* Business Card only charges 19.99% interest. 

So really, which points program would you rather have?

Another business card, a different rewards program. CIBC will waive the $120 annual fee in the first year, charge 19.99% APR and has a Visa Spend Clarity for Business to track your spending, customize payment controls and use powerful reporting tools. 

Much like the Expedia for TD program, you can book on any airline, every flight, every seat with points that don’t expire with the CIBC Rewards Centre. CIBC’s welcome bonus of 60,000 Aventura points doesn’t seem as strong as TD’s welcome bonus, but the dollar value is about the same (~$1,200).  A significant differentiator is the lack of emergency medical insurance with CIBC. 

Disclosures:

The information for the CIBC Aventura® Visa* Card for Business Plus has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer. 

Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by our advertising partners.