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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?
Let’s look at each of their features in detail, to distinguish these two credit cards.
You can earn up to 50,000 TD Rewards points (worth $370), distributed as follows:
What’s more, there’s no annual fee ($89) for the first year on this TD Platinum Travel Visa* Card.
There is no welcome offer for the National Bank Platinum Mastercard at the moment.
It’s the TD Platinum Travel Visa* Card that’s the best, both for the value it provides and the low level of expenditure required to get all the points.
There is no minimum annual income for this card.
To be eligible, you must:
No minimum annual income is required.
The eligibility criteria for the National Bank Platinum Mastercard® are :
Both are exactly the same!
The TD Platinum Travel Visa* Card rewards the cardholder with :
With the National Bank Platinum Mastercard®, you can accumulate :
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:
The National Bank Platinum Mastercard® is easy to remember!
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.
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.
To compare the two fairly, here are the grocery expenses you’d need to make to get $300 in travel credit.
Here are all the details and conditions in :
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.
So? Which Card is the winner?
In general, the National Bank Platinum Mastercard® has a head start for :
On the other hand, the TD Platinum Travel Visa* Card is gaining ground with :
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.
Here are frequently asked questions in the milesopedia community about this card.
Savings this way:
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