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.