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Are you a frequent traveler looking for a credit card that offers travel rewards and perks? Look no further than TD Travel Visa. In this comprehensive guide, we will discuss everything you need to know about this credit card and how to make the most of its benefits.
What is TD Travel Visa?
TD Travel Visa is a credit card that offers travel rewards to its users. It is issued by TD Bank, one of the largest banks in Canada. With this credit card, you can earn points for every dollar you spend, and these points can be redeemed for flights, hotels, car rentals, and more.
How does it work?
Every time you use your TD Travel Visa card, you earn points. The number of points you earn depends on the type of purchase you make. For example, you can earn 3 points for every dollar you spend on travel-related purchases, such as flights and hotels. You can also earn 2 points for every dollar you spend on dining and groceries, and 1 point for every dollar you spend on all other purchases.
Once you have accumulated enough points, you can redeem them for travel rewards. For example, 20,000 points can get you a $100 credit towards a flight, hotel or car rental. You can also use your points to cover the cost of taxes and fees associated with your travel bookings.
What are the benefits of TD Travel Visa?
TD Travel Visa offers a range of benefits to its users. Some of the key benefits include:
- Flexible rewards program
- No foreign transaction fees
- Travel insurance coverage
- 24/7 concierge service
- Access to exclusive travel offers
What are the fees and interest rates?
TD Travel Visa comes with an annual fee of $120. However, this fee is waived for the first year. The interest rate on purchases is 19.99%, and the interest rate on cash advances is 22.99%. There is also a balance transfer fee of 3% or a minimum of $10.
Who is eligible for TD Travel Visa?
To be eligible for TD Travel Visa, you must be a Canadian resident with a good credit score. You must also meet TD Bank’s income requirements, which vary depending on the type of card you are applying for.
How do I apply for TD Travel Visa?
You can apply for TD Travel Visa online or in-person at a TD Bank branch. To apply, you will need to provide personal and financial information, such as your name, address, income, and credit score. You will also need to consent to a credit check.
Conclusion
TD Travel Visa is a great credit card for frequent travelers who want to earn rewards and perks on their trips. With its flexible rewards program, travel insurance coverage, and exclusive travel offers, it’s no wonder why so many Canadians choose TD Travel Visa for their travel needs.
| Pros | Cons |
|---|---|
| Flexible rewards program | Annual fee of $120 after the first year |
| No foreign transaction fees | High interest rate on cash advances |
| Travel insurance coverage | Balance transfer fee of 3% or a minimum of $10 |
| 24/7 concierge service | Good credit score required |
| Access to exclusive travel offers | Income requirements vary |
FAQ
What kind of rewards can I get with TD Travel Visa?
You can redeem your TD Travel Visa points for flights, hotels, car rentals, and more.
How do I earn TD Travel Visa points?
You earn TD Travel Visa points for every dollar you spend with your credit card. The number of points you earn depends on the type of purchase you make.
What is the annual fee for TD Travel Visa?
The annual fee for TD Travel Visa is $120. However, this fee is waived for the first year.
Is there a foreign transaction fee with TD Travel Visa?
No, there is no foreign transaction fee with TD Travel Visa.
What kind of travel insurance coverage does TD Travel Visa offer?
TD Travel Visa offers a range of travel insurance coverage, including emergency medical insurance, trip cancellation and interruption insurance, and baggage insurance.
Can I apply for TD Travel Visa online?
Yes, you can apply for TD Travel Visa online or in-person at a TD Bank branch.