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Head-to-Head: TD Platinum Travel Visa* Card and National Bank Platinum Mastercard® Card

7 min read
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Head-to-Head: TD Platinum Travel Visa* Card and National Bank Platinum Mastercard® Card
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TD and National Bank each offer a credit card called Platinum:

At first glance, Visa and Mastercard cards may seem identical, especially since their names are almost the same! But which one is the most advantageous?

National Bank Platinum Mastercard®

National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $70
No annual fee the first year
Our valuation
$430
Milesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
40,000 points
+ First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank's website

Terms of the offer

  • Earn 1 point per dollar
  • Trip interruption / cancellation insurance
  • Flight / Baggage insurance in case of delay
  • Vehicle rental insurance
  • Extended warranty
  • Purchase protection against theft or damage
 
Legal

PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR

Length of the welcome promotion
From June 30, 2026 to November 4, 2026.

Eligibility conditions

  • Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
  • Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
  • Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
  • Not be employed by National Bank of Canada or an entity in its group.

Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

Annual fees

The $70 annual fee for the primary cardholder will be refunded for the first year.

We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.

Annual fees related to authorized users’ cards are not eligible for this promotion.

Reward points

Points offered Conditions When points are awarded
10,000 Enrollment in credit card payment insurance* for at least the first three months Within two months following the minimum enrollment period
15,000 $2,500 in purchases within the first three months** By the end of the 6th month following enrollment**
15,000 $10,000 in purchases within the first 12 months** By the end of the 15th month following enrollment**

* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.

How total purchases are calculated

The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.

Other conditions

  • This promotion may only be used once per person.
  • Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
  • Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.
  • This promotion may be modified or withdrawn without notice.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
13.2% (Syncro card) $5.53 $33.16
9.2% (Syncro card) $3.78 $22.68

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

The National Bank Platinum Mastercard® lets you earn up to 40,000 reward points, plus a refund of the $70 annual fee for the first year for the primary cardholder:

  • 10,000 points when you sign up for credit card payment insurance and keep it for at least the first 3 months
  • 15,000 points after $2,500 in purchases within the first 3 months
  • 15,000 points after $10,000 in purchases within the first 12 months

You have until November 4, 2026 to apply.

After that, you earn:

  • 2 points per dollar on grocery and restaurant purchases
  • 1.5 points per dollar on gas, EV charging, recurring bills and travel booked through the À la carte agency

Since it is a Mastercard, you can use it at Costco. Unlike the other two National Bank travel rewards cards, it does not require a minimum income.

The card includes mobile device insurance, an extended warranty on your purchases, and comprehensive travel insurance for trips of 10 days or less, with emergency medical coverage plus trip cancellation and interruption.

The annual fee is $70, plus $35 per additional card. The annual interest rate is 20.99% on purchases and 22.49% on cash advances.

Annual fee

Primary card$70
Additional card$35

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 1.5xBills & recurring payments
  • 1.5xGas & EV
  • 1.5xTravel
  • 0.67xAll spending

Value

1st Year Value$749
2nd Year Value$209

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days

TD Platinum Travel Visa* Card

TDTD RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $89
No annual fee the first year
Our valuation
$339
Milesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 50,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

Terms of the offer

  • Limited Time Offer - Apply by December 1, 2019 to get an Annual Fee Rebate¹ for the Primary Cardholder for the first year and earn up to 70,000 TD Rewards Points (a travel value of $350 when you book travel purchases through ExpediaForTD.com!²) as follows:
    • Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your card¹.
    • + Earn 2X TD Rewards Points on all Purchases in the first three months up to a total of 45,000 TD Rewards Points¹.
    • + Earn 10,000 TD Rewards Points when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply¹.
  • This offer is not available for residents of Quebec. For Quebec residents, please click here. 
  • Book your trip through Expedia For TD³ or any other travel provider – the choice is yours!
  • Choose Expedia For TD to maximize the number of TD Rewards Points you can earn on your travel purchases.
  • No blackouts4or seat restrictions4 under the TD Rewards Program
  • A suite of travel insurance
  • Earn 3 TD Rewards Points for every $1 in grocery purchases³ and regularly recurring bill payments4
  • Earn5 5 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com
  • Earn 2 TD Rewards Points for every $1 you spend on all other purchases6
  Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.    

Fees / Rates / Eligibility

 
Type Details
Personal annual income N/A
Household annual income N/A
Purchase APR 19.99%
Cash Advance APR 22.99%
Interest Grace Period 21 days on all new purchases
Balance Transfer Rate 22.99%
Foreign Transaction Rate
Annual Fee $89
Authorized User Cards $35
Balance Transfer Fee Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.
Cash Advance Fee 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)
Foreign Currency Conversion Fee 2.50%
Over Credit Limit Fee $29
 

Disclaimer

'1 Must apply by December 1, 2019. Welcome Bonus of 15,000 TD Rewards Points will be awarded to the TD Platinum Travel Visa* ("Account") only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in TD Rewards Points ("Welcome Earn Bonus") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Rewards Points of 45,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 10 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases"), grocery purchases ("Grocery Purchases") and regularly recurring bill payments ("Pre-Authorized Payments") and earn 4 TD Rewards Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Rewards Points at the regular 5 TD Rewards Points for every $1 on Online Travel Purchases, earn 3 TD Rewards Points for every $1 on Phone Travel Purchases, Grocery Purchases, and Pre-authorized Payments, and earn 2 TD Rewards points ("Standard Rebate") for every $1 on all Other Purchases. To receive the additional 10,000 TD Rewards Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 10,000 Authorized User Bonus TD Rewards Points offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. 2 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. Maximum of 3 Authorized User Cards on the Account. 3 Earn 3 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for Grocery Purchases, then any further Grocery Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Grocery Rebate: The Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Grocery Rebate, the Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery" category. Some merchants may (i) sell groceries or grocery items; or (ii) have separate merchants located on their premises that also sell groceries or grocery items; but may not be classified with a grocery MCC and such Purchases will not earn the Grocery Rebate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 4 Earn 3 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Platinum Travel Visa Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 5 Earn 5 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 3 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 6 Earn 2 TD Rewards Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. All trade-marks are the property of their respective owners. * Trademark of Visa International Service Association and used under license. ®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Legal

†Terms and conditions apply.

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a Annual Fee rebate for the first year:

  • 15,000 TD Rewards points for the first purchase made with your card†
  • 35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening†

This TD travel rewards credit card requires no minimum income.

Annual fee

Primary card$89
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 4.5xTransit
  • 4.5xGroceries
  • 4.5xRestaurants
  • 3xBills & recurring payments
  • 3xStreaming
  • 1.5xAll spending

Value

1st Year Value$723
2nd Year Value$219

Travel insurance

Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days

Let’s look at each of their features in detail, to distinguish these two credit cards.

Welcome bonus and annual benefits

Carte Visa TD Platine Voyages

You can earn up to 50,000 TD Rewards points (worth $370), distributed as follows:

  • 15,000 TD Rewards points on your first purchase with your Card
  • 35,000 TD Rewards points after $3,000 in purchases within the first 6 months

What’s more, there’s no annual fee ($89) for the first year on this TD Platinum Travel Visa* Card.

Comparatif : Carte Visa TD Platine Voyages et Carte Mastercard Platine de la Banque Nationale - Carte Bnc Platine Mastercard

You can earn up to 40,000 reward points with the National Bank Platinum Mastercard, distributed as follows:

  • 10,000 reward points upon enrolling in payment insurance for at least the first 3 months
  • 15,000 reward points after $2,500 in purchases within the first 3 months
  • 15,000 reward points after $10,000 in purchases within the first 12 months

In addition, the $70 annual fee is waived for the first year for the primary cardholder.

TD Platinum Travel Visa* Card

The TD Platinum Travel Visa* Card stands out for its low spending requirement to obtain the full welcome offer, while offering good value for occasional travelers.

Minimum Income

Carte Visa TD Platine Voyages

There is no minimum annual income for this card.

To be eligible, you must:

  • Be of the age of majority in your province or territory of residence
  • Be a legal resident of Canada,
Comparatif : Carte Visa TD Platine Voyages et Carte Mastercard Platine de la Banque Nationale - Carte Bnc Platine Mastercard

No minimum annual income is required.

The eligibility criteria for the National Bank Platinum Mastercard® are :

  • Have reached the age of majority in your province/territory
  • Be a legal resident of Canada,
It’s a tie !

Both are exactly the same!

The accumulation of points

Carte Visa TD Platine Voyages

The TD Platinum Travel Visa* Card rewards the cardholder with :

  • 5 TD Rewards points per dollar when booking a trip online at ExpediaForTD.com
  • 3 TD Rewards points per dollar on groceries and pre-authorized recurring bill payments
  • 2 TD Rewards points per dollar spent on other purchases
Comparatif : Carte Visa TD Platine Voyages et Carte Mastercard Platine de la Banque Nationale - Carte Bnc Platine Mastercard

With the National Bank Platinum Mastercard®, you can accumulate :

  • 2 points per dollar on grocery store and restaurant purchases,
  • 1.5 points per dollar for gas, electric recharges, recurring bills and À la Carte Travel
  • 1 point per $1.5 for all other purchases
Benefit: TD Platinum Travel Visa Card

The accumulation rate of the TD card is higher than that of the NBC card. Let’s analyze the most advantageous ways to redeem your points.

Every 200 TD Rewards points redeemed is worth $1 in savings on travel purchases made through Expedia for TD.

Every 10,000 NBC Rewards points redeemed are worth $100 in savings through Plan à la carte’s online travel agency NBC. This is the equivalent of 100 points for every $1 saved.

Let’s look at what it would take to save a dollar:

Grocery purchases and recurring bill paymentsOther purchases
TD Platinum Travel Visa66,67$$100
National Bank Mastercard Platinum$100$100

The National Bank Platinum Mastercard® is easy to remember!

Redeeming Points

Carte Visa TD Platine Voyages

With the TD Platinum Travel Visa* Card, the best use of TD Rewards points is to redeem them when booking directly on the Expedia site for TD.

You can use your points to reimburse taxes, golf fees or resort tours.

RewardsPoints for $100
Exchange with Expediafor TD20 000
Flexible travel rebates25 000
Shop with TD Points at Amazon.ca33 303
Gift card40 000
Statement Credit40 000
Comparatif : Carte Visa TD Platine Voyages et Carte Mastercard Platine de la Banque Nationale - Carte Bnc Platine Mastercard

With the National Bank Platinum Mastercard, you can use your points for various rewards, including travel discounts such as an apartment rental on Airbnb, or SAQ gift cards.

RewardsPoints for $100
Redeem with the dedicated travel agency of the NBC à la carte Plan.10 000
Flexible travel discount
(from 55,000 points redeemed)		11 000
Flexible travel rebates12 000
A la carte extras, RRSP or TFSA contribution, All-in-one home equity line of credit or mortgage repayment12 000
Gift card12,000 – 13,500
Statement Credit25 000
Advantage: National Bank Platinum Mastercard

To compare the two fairly, here are the grocery expenses you’d need to make to get $300 in travel credit.

CardExpenses
TD Visa Platinum Card20 001 $
National Bank Platinum Mastercard®$15,000

Insurance

InsuranceTd Platinum Travel Visa Card EnNBC Platinum Mastercard
Trip Cancellation InsuranceNoneUp to $1,250 per person
Trip Interruption InsuranceNoneUp to $2,500 per person
Out-of-Province/Country Emergency Medical InsuranceNoneUp to $5,000,000 for up to 10 days (age 76 and under)
Flight delay insuranceUp to $500
after 4 hours		Up to $500 after 4 hours
Delayed Baggage InsuranceUp to $1,000
after 6 hours		Up to $500 after 6 hours (up to $1,000 for lost, damaged or stolen baggage)
Hotel Burglary InsuranceUp to $2,500None
Car Rental Theft and Damage InsuranceUp to $65,000Up to $65,000
Travel accident insurance (public carrier)Up to $500,000None
Insurance – PurchaseUp to 90 daysUp to 2 additional years
Extended warranty – PurchaseUp to 1 additional year180 days
Mobile Device InsuranceUp to $1,000Up to $1,000

Here are all the details and conditions in :

Advantage: National Bank Platinum Mastercard

For insurance, the National Bank Platinum Mastercard® is excellent.

It offers generous insurance of all kinds. In addition, it requires that only a portion of the travel expenses be charged to the account. This is quite rare, as the issuer usually requires the entire trip to be charged.

Conclusion

So? Which Card is the winner?

In general, the National Bank Platinum Mastercard® has a head start for :

  • Excellent insurance coverage even if you only charge a portion of the trip to your credit card
  • The fact that it can be used at Costco!

On the other hand, the TD Platinum Travel Visa* Card is gaining ground with :

  • Easy-to-obtain welcome bonus
  • Its higher accumulation rate means less spending to earn rewards

All in all, both cards are a good way to get started in the world of travel rewards, but the National Bank Platinum Mastercard® may be better suited to accompanying you abroad, thanks to its insurance benefits.

If you’ve ever had one of these two cards, what are your comments? Come and point them out in the Milesopedia Facebook group.

To see other cards, check out our ranking of the best travel credit card offers in Canada.

National Bank Platinum Mastercard®

National BankNBC RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $70
No annual fee the first year
Our valuation
$430
Milesopedia first-year estimateFirst-year valueWelcome bonus$360Annual fee rebated$70Total$430Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
40,000 points
+ First Year Annual Fee Rebate
Ends Nov 4, 2026
Apply Now

on National Bank's website

Terms of the offer

  • Earn 1 point per dollar
  • Trip interruption / cancellation insurance
  • Flight / Baggage insurance in case of delay
  • Vehicle rental insurance
  • Extended warranty
  • Purchase protection against theft or damage
 
Legal

PLATINUM CARD PROMOTIONAL OFFER Q3-Q4 2026-AGGREGATOR

Length of the welcome promotion
From June 30, 2026 to November 4, 2026.

Eligibility conditions

  • Sign up for a National Bank® Platinum Mastercard® credit card as a primary cardholder during the promotion period.
  • Have not held any National Bank personal Mastercard credit card as a primary cardholder during the past 12 months.
  • Keep the credit card account open and in good standing, in compliance with the Credit Card Agreement, until the annual fee refund and reward points are credited. For example, all minimum payments must be made on time.
  • Not be employed by National Bank of Canada or an entity in its group.

Description of the promotion
Up to 40,000 reward points upon enrollment, and a refund of the annual fee for the first year for the primary cardholder of a National Bank® Platinum Mastercard®.

Annual fees

The $70 annual fee for the primary cardholder will be refunded for the first year.

We will charge the annual fee to your new card account and then refund it. You will receive this refund within five months of opening your account, provided that your account remains open and in good standing. The refund will appear on your statement as a credit.

Annual fees related to authorized users’ cards are not eligible for this promotion.

Reward points

Points offered Conditions When points are awarded
10,000 Enrollment in credit card payment insurance* for at least the first three months Within two months following the minimum enrollment period
15,000 $2,500 in purchases within the first three months** By the end of the 6th month following enrollment**
15,000 $10,000 in purchases within the first 12 months** By the end of the 15th month following enrollment**

* To apply for payment insurance, you must complete the sections related to the Credit Card Payment Protection Plan (CCPPP) included in the credit card application form.

** The purchase calculation period starts on the date you sign up for the card. For example, if you sign up on July 15, 2026, you have until October 15, 2026 to make the required $2,500 in purchases, and the 15000 points will be credited to your account by the end of January 2027.

How total purchases are calculated

The calculation is based on the total amount of purchases made using all cards linked to the account. Transactions not included in the calculation are set out in article 1.5 of the À la carte Rewards Plan™.

Other conditions

  • This promotion may only be used once per person.
  • Issuance of the card is subject to National Bank of Canada’s credit approval. Other conditions apply to the issuance of the card.
  • Unless otherwise indicated, this promotion cannot be combined with any other National Bank credit card promotion and is not retroactive.
  • This promotion may be modified or withdrawn without notice.

Credit terms

Grace period: No interest will be charged on purchases made during the month, provided the client pays the balance in full within twenty-one (21) days of the statement date. This grace period does not apply to cash advances or balance transfers.

Minimum payment: If your account balance is lower than $10, you must pay the entire balance.

If you reside in the province of Quebec, your minimum payment is the greater of 5% of your account balance, plus any overdue amounts, or $10.

If you live outside Quebec, your minimum payment is 2.5% of your credit card balance, plus any past-due amount or $10, whichever is greater.

Account statement: A statement is sent monthly.

Example of credit charges over a 30-day period

Annual interest rate Average balance
$500 $3,000
22.49% (regular card) $9.24 $55.45
20.99% (regular card) $8.63 $51.76
13.2% (Syncro card) $5.53 $33.16
9.2% (Syncro card) $3.78 $22.68

Balance transfer and cash advance are subject to credit approval by National Bank. Each balance transfer must be at least $250.

The National Bank Platinum Mastercard® lets you earn up to 40,000 reward points, plus a refund of the $70 annual fee for the first year for the primary cardholder:

  • 10,000 points when you sign up for credit card payment insurance and keep it for at least the first 3 months
  • 15,000 points after $2,500 in purchases within the first 3 months
  • 15,000 points after $10,000 in purchases within the first 12 months

You have until November 4, 2026 to apply.

After that, you earn:

  • 2 points per dollar on grocery and restaurant purchases
  • 1.5 points per dollar on gas, EV charging, recurring bills and travel booked through the À la carte agency

Since it is a Mastercard, you can use it at Costco. Unlike the other two National Bank travel rewards cards, it does not require a minimum income.

The card includes mobile device insurance, an extended warranty on your purchases, and comprehensive travel insurance for trips of 10 days or less, with emergency medical coverage plus trip cancellation and interruption.

The annual fee is $70, plus $35 per additional card. The annual interest rate is 20.99% on purchases and 22.49% on cash advances.

Annual fee

Primary card$70
Additional card$35

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 2xGroceries
  • 2xRestaurants
  • 1.5xBills & recurring payments
  • 1.5xGas & EV
  • 1.5xTravel
  • 0.67xAll spending

Value

1st Year Value$749
2nd Year Value$209

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 10 days
Travel medical (55-64)Up to $5,000,000 / 10 days
Travel medical (65+)Up to $5,000,000 / 10 days
Trip CancellationUp to $1,000
Trip InterruptionUp to $1,500
Delayed BaggageUp to $500
Lost BaggageUp to $1,000
Flight DelayUp to $500

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+2 years
Mobile DeviceUp to $1,000 / 2 years
Auto Rental Collision (primary)Up to $65,000 / 48 days

TD Platinum Travel Visa* Card

TDTD RewardsFirst-Year Annual Fee Rebate
Annual fee
$0 $89
No annual fee the first year
Our valuation
$339
Milesopedia first-year estimateFirst-year valueWelcome bonus$250Annual fee rebated$89Total$339Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer
Up to 50,000 points
+ First Year Annual Fee Rebate
Apply Now

on TD's website

Terms of the offer

  • Limited Time Offer - Apply by December 1, 2019 to get an Annual Fee Rebate¹ for the Primary Cardholder for the first year and earn up to 70,000 TD Rewards Points (a travel value of $350 when you book travel purchases through ExpediaForTD.com!²) as follows:
    • Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your card¹.
    • + Earn 2X TD Rewards Points on all Purchases in the first three months up to a total of 45,000 TD Rewards Points¹.
    • + Earn 10,000 TD Rewards Points when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply¹.
  • This offer is not available for residents of Quebec. For Quebec residents, please click here. 
  • Book your trip through Expedia For TD³ or any other travel provider – the choice is yours!
  • Choose Expedia For TD to maximize the number of TD Rewards Points you can earn on your travel purchases.
  • No blackouts4or seat restrictions4 under the TD Rewards Program
  • A suite of travel insurance
  • Earn 3 TD Rewards Points for every $1 in grocery purchases³ and regularly recurring bill payments4
  • Earn5 5 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com
  • Earn 2 TD Rewards Points for every $1 you spend on all other purchases6
  Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.    

Fees / Rates / Eligibility

 
Type Details
Personal annual income N/A
Household annual income N/A
Purchase APR 19.99%
Cash Advance APR 22.99%
Interest Grace Period 21 days on all new purchases
Balance Transfer Rate 22.99%
Foreign Transaction Rate
Annual Fee $89
Authorized User Cards $35
Balance Transfer Fee Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.
Cash Advance Fee 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)
Foreign Currency Conversion Fee 2.50%
Over Credit Limit Fee $29
 

Disclaimer

'1 Must apply by December 1, 2019. Welcome Bonus of 15,000 TD Rewards Points will be awarded to the TD Platinum Travel Visa* ("Account") only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in TD Rewards Points ("Welcome Earn Bonus") applies to new Accounts in the first 3 months of Account opening ("First 3 Months") to a maximum total collective TD Rewards Points of 45,000 ("Welcome Earn Bonus Cap") on all purchases charged to your Account. During the Welcome Earn Bonus promotional period; earn 10 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to the Account, earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases"), grocery purchases ("Grocery Purchases") and regularly recurring bill payments ("Pre-Authorized Payments") and earn 4 TD Rewards Points on every $1 on all other Purchases ("Other Purchases") charged to the Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the TD Rewards Points earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn TD Rewards Points at the regular 5 TD Rewards Points for every $1 on Online Travel Purchases, earn 3 TD Rewards Points for every $1 on Phone Travel Purchases, Grocery Purchases, and Pre-authorized Payments, and earn 2 TD Rewards points ("Standard Rebate") for every $1 on all Other Purchases. To receive the additional 10,000 TD Rewards Points for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 10,000 Authorized User Bonus TD Rewards Points offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. 2 Primary Cardholder remains liable for all charges to the Account, including those made by any Authorized User. Maximum of 3 Authorized User Cards on the Account. 3 Earn 3 TD Rewards Points ("Grocery Rebate") for every $1 in Purchases of groceries or grocery items ("Grocery Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Grocery Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The Grocery Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached for Grocery Purchases, then any further Grocery Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of Grocery Rebate: The Grocery Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Grocery Rebate, the Grocery Purchases must be made at merchants classified through the Visa network with a Merchant Category Code ("MCC") that identifies them in the "grocery" category. Some merchants may (i) sell groceries or grocery items; or (ii) have separate merchants located on their premises that also sell groceries or grocery items; but may not be classified with a grocery MCC and such Purchases will not earn the Grocery Rebate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 4 Earn 3 TD Rewards Points ("PAP Rebate") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Platinum Travel Visa Card Account ("Account") and that are classified through the Visa network as "recurring payments" ("Pre-Authorized Payments"). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. $15,000 Cap: The PAP Rebate is only available to a $15,000 maximum net annual spend ("$15,000 Cap"). Once the $15,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement ("Standard Rebate"). Applicability of PAP Rebate: The PAP Rebate is in place of, and not in addition to, the Standard Rebate. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 5 Earn 5 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD ("Online Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 3 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD ("Phone Travel Purchases") and charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 6 Earn 2 TD Rewards Points ("Standard Rebate") on every $1 on all other Purchases ("Other Purchases") charged to your TD Platinum Travel Visa Card Account ("Account"). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points. Other Conditions: Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. All trade-marks are the property of their respective owners. * Trademark of Visa International Service Association and used under license. ®The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Legal

†Terms and conditions apply.

With this new welcome offer for the TD Platinum Travel Visa* Card, you can get up to 50,000 TD points and a Annual Fee rebate for the first year:

  • 15,000 TD Rewards points for the first purchase made with your card†
  • 35,000 additional TD Rewards points when you spend $3,000 within 180 days of account opening†

This TD travel rewards credit card requires no minimum income.

Annual fee

Primary card$89
Additional card$0

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 4.5xTransit
  • 4.5xGroceries
  • 4.5xRestaurants
  • 3xBills & recurring payments
  • 3xStreaming
  • 1.5xAll spending

Value

1st Year Value$723
2nd Year Value$219

Travel insurance

Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $500
Hotel BurglaryUp to $2,500
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Mobile DeviceUp to $1,000
Auto Rental CollisionUp to $65,000 / 48 days

Frequently Asked Questions about TD Platinum Travel Visa* Card vs National Bank Platinum Mastercard

Here are frequently asked questions in the milesopedia community about this card.

Which card offers the best welcome bonus, TD Platinum Travel or NBC Platinum?

The TD Platinum Travel Visa* Card currently offers up to 50,000 TD Rewards points (approximately $370 in travel value) with the annual fee waived for the first year, whereas the National Bank Platinum Mastercard does not have an active welcome offer. The TD card therefore clearly wins this category for anyone looking to maximize value upon application. TD points are valued at 0.5 cents for statement credits or 1 cent when applied via Expedia for TD, placing the actual value of the bonus between $250 and $500.

Which card earns more points per dollar at the grocery store?

The TD Platinum Travel Visa* Card earns 3 points per dollar at grocery stores with no monthly cap, as well as 5 points per dollar on Expedia for TD and 2 points everywhere else. The NBC Platinum Mastercard earns 2 points per dollar on groceries and restaurants and 1.5 points per dollar on gas and recurring bills. For a household spending $1,200 per month on groceries, the TD card earns approximately 3,600 points (about $36) compared to 2,400 points (about $24) for the NBC card, giving a clear advantage to TD for groceries.

Which card is accepted at Costco Canada?

Only the National Bank Platinum Mastercard is accepted at Costco Canada, as Costco Canada exclusively accepts the Mastercard network. The TD Platinum Travel Visa* Card, being on the Visa network, is not accepted at Costco warehouses (except at Costco gas stations which sometimes accept Visa). For Quebec households that regularly shop at Costco, the NBC Platinum is the only one of the two that works at the checkout, earning 2 points per dollar on Costco groceries up to the applicable monthly cap.

Which of the two cards offers the best travel insurance?

The National Bank Platinum Mastercard offers significantly superior travel insurance: emergency medical coverage up to $5 million for 31 days out-of-province, cancellation up to $1,250 per insured person, interruption up to $2,500, baggage delay $250, and lost baggage $750. The TD Platinum Travel Visa* Card only offers basic coverage without built-in emergency medical insurance. For travelers over 60 or family trips exceeding 21 days, the NBC Platinum is the only one of the two that offers credible medical protection.

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