TD · Visa · TD Rewards
Reviewed 2026-07-06 · By The Points Standard editorial team
TD Business Travel Visa Card
A budget-friendly way to add travel insurance and expense controls to a small business, capped by the same low-value points ceiling as its personal counterpart.
Standard Score breakdown — Situational
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.78/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $89 |
| Welcome bonus | Up to 50,000 TD Rewards points on $5,000 spend in the first 3 months |
| Est. bonus value | ≈ $250 |
| First-year net value | ≈ $300 |
Earn rates
| Travel via Expedia for TD | 3x |
| Everything else | 1x |
Why it earns its score
- Low $89 fee for a business travel card
- Free employee cards and consolidated statements
- Travel insurance package included for cardholder
Where it loses points
- TD Rewards points are portal-locked at roughly 0.5¢ value, same ceiling as the personal First Class Travel card
- 1x base earn on non-travel business spend
Who it's for
Small businesses that book travel through TD's portal and want low-fee employee card management.
Who should skip it
Your business spend isn't travel-heavy — a business cash-back card converts general spend more efficiently.
Included insurance
Travel medical · Trip cancellation/interruption · Flight delay · Rental car coverage
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.