td travel visa roadside assistance

TD Platinum Travel Visa* Review

By Heidi Unrau | Published on 12 Oct 2023

We all want to go places, just not to the same places. A unique travel card like the TD Platinum Travel Visa*  can be used for so much more than your next tropical escape. The flexible TD Points program caters to Expedia lovers but can also help save on your next Amazon purchase, score free Starbucks lattes, and even level up your education!  The TD Platinum Travel Visa* turns both your essential spending and splurges into points you can use on what matters most. It might even be one of the best credit cards for students because of a little-known feature. Here’s what you should know about the incredibly versatile TD Platinum Travel Visa* card.   

TD Platinum Travel Visa* Welcome Offer

How does $400 worth of free stuff sound? I thought so. New TD Platinum Travel Visa* cardholders can earn up to 50,000 bonus TD Rewards points. That alone is worth about $250 in travel benefits when redeemed through the exclusive Expedia portal for TD Points collectors . Then, the annual fee is rebated for the first year for you and one additional cardholder. There’s another $89-$124 kept where it belongs – in your pocket! And for good measure, you also get a free 6-month† Uber One membership worth $60.

So, how do you score these bonus points and extra savings? You have to apply and be approved by September 3, 2024. Then you have to meet some spending requirements to snag those bonus TD Points.

First, you’ll get 15,000 bonus TD Rewards Points once you make a first purchase with your card in the first 3 months. Once you do that, the annual fee will be rebated for the year too. To earn another 35,000 TD Points you need to spend $1,000 on the card in the first 90 days of opening your account. Thanks to inflation , you’ll have no problem hitting that minimum $1,000 spend threshold. We’re looking at you, grocery stores!

The Highlight Reel: TD Platinum Travel Visa* Perks

• $400 worth of welcome offers
• Annual fee rebated in the first year
• 6 points per $1 spent on eligible travel bookings through Expedia For TD
• 4.5 points per $1 spent on groceries and restaurants
• 3 points per $1 spent on recurring bill payments 
• 1.5 points per $1 spent on everything else
• No limit to the number of points you can accumulate
• Points never expire
• Bonus TD Points & Starbucks Stars on Starbucks purchases
• Redeem points for travel through any provider, merchandise, or statement credit
• No travel blackouts or seat restrictions
• Redeem points for Starbucks purchases
• Redeem points for Amazon.ca purchases
• Redeem points for tuition costs or student loan payments
• Purchase protection 
• Extended warranty 
• Travel insurance coverage 
• Discounted car rentals 
• No minimum income required to be eligible

Earning TD Points with your Platinum Travel Visa*

The TD Points program is quickly growing in popularity and for good reason. It’s an incredibly flexible points program that lets you earn rewards on your daily purchases and redeem them for things like travel, merchandise, a credit on your account, and a few other crazy things that will blow your mind. The TD Platinum Travel Visa* Card offers you 3 accelerated points categories to help you bank even more points on the essentials, such as: 

Up to 6 points per $1 on travel purchases 

Travel purchases made with your card earn the most rewards with 6 TD Points per $1 spent online through the exclusive Expedia for TD portal, or if you book through the portal by telephone. Also, there is no annual spending cap on Expedia for TD purchases.

Up to 4 points per $1 on groceries and restaurants

You’ll earn 4.5 TD Points per $1 spent when you use your TD Platinum Travel Visa* Card to buy groceries at eligible grocery stores and restaurants. Be careful though, not all stores that sell groceries qualify as a grocery store. To get 4.5 points, the store must have a Merchant Category Code (MCC) that classifies them as a grocery store or restaurant in the Visa network.

To know for sure if your favourite grocery retailer qualifies, you can always call TD at 1-800-983-8472. The accelerated earn rate applies to all eligible grocery and restaurant purchases up to a total annual spend of $15,000 a year combined for groceries, restaurants, and bill payments. Once you hit the annual spending limit, the earn rate drops to 1.5 TD Points per $1.

Up to 3 points per $1 on recurring bill payments

Do you have recurring monthly bills? That’s a rhetorical question, of course you do. To earn 3 TD Points per $1 on your monthly recurring bills, set them to automatically charge your TD Platinum Travel Visa* Card each month. Eligible recurring bill payments include online streaming subscriptions, insurance premiums, magazine and newspaper subscriptions, cell phone bills, membership fees, etc.

As long as the merchant accepts pre-authorized payments and is classified as “recurring payments” through the Visa network, then you’re good to go. However, there is a $15,000 annual spending cap on this too. Once your combined total recurring bill payments, grocery, and restaurant charges hit $15,000 in a year, the earn rate drops down to 1.5 TD points per $1 spent.

Get 1.5 points on everything else! 

All other purchases on your  TD Platinum Travel Visa* Card , outside the accelerated rewards category, earn 1.5 TD points per $1. You also earn 1.5 TD points per $1 once you exceed the $15,000 annual spending limit on groceries, restaurants, and recurring bill payments set up on your card.

Bonus points at Starbucks!

TD and Starbucks have teamed up to help coffee lovers score more points on their guilty pleasures. You can earn bonus TD Points when you link your TD Platinum Travel Visa* Card to your Starbucks Rewards account. You’ll earn 50% more TD Rewards Points and 50% more Starbucks Stars. From there, you’ll double dip both your TD Points and your Starbucks Stars when you make eligible purchases through the Starbucks app.

Beware of spending caps & the impact on earning points!

We love getting max points on the essentials, but it’s not a free-for-all. There is an annual spending cap of $15,000 combined across groceries, restaurants, and recurring bill payments. Once you exceed the maximum spend, your earn rate drops to 1.5 points per $1 until it reset the following year.

Having said that, there is no limit on the actual number of points you can earn. Even though the rate at which you earn points might drop if you hit the spending limit, you don’t stop earning points on any of your card purchases. That means you can earn limitless points with your  TD Platinum Travel Visa* Card . Cha-ching! Oh, and your TD Points never expire either. 

Redeeming your TD Points

TD credit cards are catching the eye of savvy points collectors and growing in popularity. That little green logo offers something for everyone. The TD Points program is flexible enough to make globetrotters and home-bodies equally happy. Here’s how to redeem your TD Rewards Points: 

Best value when you redeem for travel

The TD Platinum Travel Visa* is a travel card, hence the name, so you’ll get the best redemption value on travel and travel-related purchases through the Expedia for TD portal. If Expedia for TD doesn’t have what you’re looking for, you’ll get the next best redemption value on travel purchases through any other travel provider of your choice.

Better yet, your points can be applied to travel-related charges on your card like taxes, fees, and even excursions booked through your vacation resort! And there are no blackout dates or seat restrictions to worry about either. Your TD Points must be redeemed in 200-point increments on travel purchases.

Redeem for a credit on your account

If cash is king for you, then you can redeem your TD Points for a credit on your credit card bill to help pay down the balance. However, you need to have a minimum points balance of at least 10,000 TD Points in order to redeem for a statement credit. Then, every increment of 400 points over the minimum is worth $1 which can be redeemed as a credit to the account. 

Attention Amazon shoppers! 

You can redeem your TD Points for purchases on Amazon.ca. It’s super easy. Just add your TD Platinum Travel Visa* to your Amazon account and Amazon will automatically enroll your card, unless you opted out of automatic enrollment. When you’re ready to purchase the items in your cart, select your TD Platinum Travel Visa* as the method of payment and choose how many TD Points you’d like to redeem. Their value will be deducted from your total to cover all or a portion of your purchase. 

Free stuff from TD

You can also redeem your TD points to get free stuff from the TDRewards.com online catalogue. You can score free name-brand merchandise across every possible category as well as gift cards to stores, restaurants, and gas stations. Keep in mind, redeeming for merchandise and gift cards yields the lowest redemption value for your points.

Free lattes? Yes please! 

Not only can you double-dip your Starbucks Stars and TD Points, you can also redeem your points for free Starbucks purchases too! If you’re having a hard time kicking that pricey caffeine addiction, the TD Platinum Travel Visa* can save your budget. Just swap your TD Points for Starbucks Stars. Then, redeem your Starbucks Stars for free coffee, handcrafted drinks, food, and eligible merchandise. You need to redeem at least 700 TD Points for Starbucks Stars.

Attention students! Is this the best redemption feature EVER?

Are student loans killing your vibe? What if I told you the TD Platinum Travel Visa* could slash your tuition bill? The TD Points program is the first I’ve come across that lets you redeem points towards your student loan balance and other education costs. TD Points can be used to purchase education credits on HigherEdPoints.com to pay off or pay down student loans or put directly towards your tuition. 

And the best part? They don’t have to be your own TD Points either. Anyone can use their eligible TD Points to purchase education credits for you too. Thanks, Nana! Credits can be purchased in $250 increments (62,500 points) and transferred to your HigherEdPoints account.

From there, you have 2 years to redeem your education credits for payment on federal/provincial student loans or directly towards tuition at participating post-secondary schools. And for what it’s worth, education credits are the second-highest redemption value after travel. I can’t even! 

Travel insurance benefits on your TD Platinum Travel Visa*

As a travel card, TD Platinum Travel Visa* isn’t the best on the market, but it does not disappoint either. Not only do you get the best redemption value on your points when used to book travel through Expedia for TD, you also get a host of other perks too. TD even provides a nifty Credit Card Travel Insurance Verification Tool to help you see what travel benefits are available on your TD credit card. That’s an incredibly handy feature I haven’t seen from other credit card providers.  Here’s a rundown of the complimentary travel insurance benefits you get: 

Other travel perks & discounts

Travel insurance isn’t the only perk you get. Your TD Platinum Travel Visa* also gives you special privileges at airports, on-demand access to help when you need it, other travel discounts, and a smarter way to spend. Here’s how: 

Travel assistance

In the event you experience a personal emergency while travelling, you can access Emergency Travel Assistance Services toll-free at  1-800-871-8334. Knock on wood!

When you need a rental 

If you like to sight-see on your own terms while travelling, or you got rear-ended on your way to a tourist attraction, you can save money with car rental discounts. TD Platinum Travel Visa* holders get at least 10% off car rentals through participating Avis Rent-A-Car and Budget Rent-A-Car locations in Canada and the U.S., and at least 5% off participating international locations.

For the road trippers

Do you love to road-trip? Your TD Platinum Travel Visa* gives you the option to purchase a membership to TD Auto Club. You’ll get access to emergency roadside assistance 24 hours a day. Now you can hit the open road with confidence.

For the smart shoppers 

Savvy shoppers don’t just bargain hunt, they protect their purchases from loss and damage. When you make a purchase with your TD Platinum Travel Visa* , you automatically get Purchase Security and Extended Warranty protection on most new items. If something is stolen or damaged within 90 days from the date of purchase, you’re covered. You also get Mobile Device Insurance on eligible mobile devices purchased with your card.

Rates & fees on the TD Platinum Travel Visa*

Rewards cards typically come with an annual fee, and the TD Platinum Travel Visa* is no exception. At $89 per year, you get quite a bit back in complimentary perks. It’s not a terrible fee compared to other cards on the market, and it’s rebated for the first year too. You can add additional cardholders to your account. The first one will cost $35, also rebated for the first year, and the next ones are free.

The interest rate is pretty standard on this card. There’s really nothing to write home about here, especially if you know how to use a rewards card properly . Ideally, you want to pay your balance off in full every month, which makes the interest rate on this card irrelevant. If you rack up a balance and don’t pay it off in full by the due date, interest charges start to cancel out the benefit of your points – so don’t do that!

Are you eligible for the TD Platinum Travel Visa* card? 

Despite the word “platinum” in the title, the TD Platinum Travel Visa* is a rewards card that is fairly easy to get. There is no minimum income required to qualify, which is great news for students, homemakers, those with lower or non-traditional incomes, as well as retirees. To qualify for this card, you must be at least the age of majority in the province where you live and be a permanent resident of Canada. 

Sometimes, a credit card will explicitly require post-bankrupt applicants to be discharged from bankruptcy for at least 7 years in order to be eligible. However, the TD Platinum Travel Visa* does not have any explicit requirements for post-bankrupts, leading us to believe you may be able to get this card if you have a bankruptcy or consumer proposal on your credit file.

However, we are only speculating based on the eligibility requirements of other cards. Approval is never guaranteed and your application is subject to a hard credit check . Applicants with a good credit score are more likely to be approved. 

Who is the TD Platinum Travel Visa* card for?

At first glance, the TD Platinum Travel Visa* looks like a great card for wanderlusters who want to convert their daily purchases into fabulous adventures. But upon closer inspection, it’s actually a fantastic card for anyone who wants a flexible rewards program to save money on major budget-busters.

Specifically, three kinds of people come to mind; students, Starbucks lovers, and die-hard Amazon shoppers. Heck, it’s a great card for parents who want to help their kids with the cost of post-secondary education.  

Travel might not be top of mind now that the cost of living just hit cruising altitude. As a Starbucks addict and devout Amazon shopper myself, I was already flexing my digits to hit that Apply button. It’s not often that a travel card can help you bank some serious savings on stuff other than travel; like what you need, what you want, and the simple joys that make life worth living.

Luckily, you don’t have to choose between a white and green cuppa-joy or diapers for the tiny humans who make you want to inject that coffee directly into your bloodstream. With the TD Platinum Travel Visa* you can do both! 

Lattes earn points, and points can cover those Amazon diaper purchases. Or your kid’s undergrad program. The HigherEdPoints program is a complete game-changer and I’d like more credit cards to hop on board with this.

And now that you can bank bonus points when the green siren calls, your guilty pleasures can actually bankroll your way to a cap and gown. Don’t worry, when you’re ready to travel again you’ll still score sweet deals on Expedia for TD. Until then, you might as well save money on simple joys.

The TD Platinum Travel Visa* Rating

Heidi Unrau

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Roadside help you can rely on

Towing and Roadside Assistance coverage with TD Insurance

We’re here for you when you need roadside help

TD Insurance has a number of solutions to help get you towing and roadside assistance after an accident. Get access to this information quickly, by using your  TD Insurance Mobile App .

TD Insurance is here for you after a roadside incident:

It doesn’t matter if it’s the city, country or a frozen highway, we’re here to help start your claim and get you back on the road..

Remember, before taking any action, it’s important to do what you can to make sure you and your fellow passengers are safe.

You can now call to get a tow truck or begin your new claim instantly with the Accident Assist buttons on the  TD Insurance Mobile App .

TD Insurance customers have their own unique coverage features based on the province they’re in. Log into  TD MyInsurance  to review your policy and coverage options.

With our  Grand Touring Solution® , customers can be reimbursed when their car requires emergency service.

For all collisions in Ontario, you need to bring in your car to the Collision Reporting Centre.

In Alberta, you can visit the Collision Reporting Centre or fill out a report with the local police to get a damage sticker in order to process your claim.

If you live in a province without a Collision Reporting Centre, you can contact your local authorities to see if you need to report the accident. We're here to help if you’re unsure of where to start. A TD Insurance advisor can point you in the right direction.

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The best credit cards in Canada with roadside assistance in 2024

We've rounded up the best credit cards with free roadside assistance among their list of benefits.

By Lisa Hannam and Keph Senett on January 1, 2024 Estimated reading time: 4 minutes

As you prep your car for the winter, it’s time to think about your credit card for a very special perk. Add “roadside assistance” to the list that includes a plunger, first-aid kit and a screwdriver small enough to fix your sunglasses: “Things you don’t realize you need, until you need them.” But this credit card perk can feel like you won the lottery when you’re stranded on the highway during a good ol’ Canadian snowstorm or on a steaming hot long weekend on the road to cottage country.

Best credit cards with roadside assistance

Why trust us.

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our  advertising and trusted partners .

Best cash back credit card for roadside assistance

Td cash back visa infinite card.

• Annual fee: $139
• Earn rate: 3% cash back on gas, grocery and recurring bill payments; 1% on all other purchases
• Welcome offer: You can earn up to $500 in value, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500. Conditions apply. Account must be approved by June 3, 2024.
• Annual income requirement: Personal income of $60,000 or household income of $100,000
• Rewards redemptions : Redeem at anytime when you have at least $25 worth of cash back earned
• Recommended credit score for approval: 725 or higher
• Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers

At a glance: You might not expect a bank to offer roadside assistance with its credit card, but TD does through AXA Asistance. Its Deluxe Auto Club membership comes along with the TD Cash Back Visa Infinite credit card. Roadside assistance coverage is 24/7, and the service calls are unlimited (to personal use only, of course). The max towing distance is up to 200 kilometres to the nearest appropriate service centre. Also included are emergency tire changes, battery boost, lost key lockout assistance, emergency fuel delivery (five litres), and even stolen vehicle emergency services and claims (accommodations, transportation, personal necessities, etc.). Get up to $200 in meals and/or accommodation reimbursement when you’re stranded due to an auto incident. And, if you’re in need of legal advice for an automotive incident, in certain circumstances, you can receive up to $300 toward the fees you paid. Travel planning and emergency car rental reimbursement are also part of the package.  

Best instant-approval credit card with free roadside assistance

Triangle world elite mastercard.

• Annual fee: $0
• Earn rate: 4% back on purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores; 3% at grocery stores (excluding Walmart and Costco), up to $12,000 per year; 1% everywhere else; $0.05 to $0.07 back per litre at Gas+ and Essence+
• Welcome offer: Get 15% back in Canadian Tire Money on your first purchase at a participating retailer, up to $50.
• Annual income requirement: Personal income of $80,000 or household income of $150,000
• Recommended credit score for approval: Not specified
• Interest rates: 19.99% on purchases, 22.99% on cash advances, 22.99 % on balance transfers

At a glance: The Triangle World Elite Mastercard includes a Roadside Assistance Gold Plan that is worth $115 (65 for a secondary member) annually. The program includes towing for distances up to 200 kilometres per service call, with a flatbed or specialty equipment, and unlimited tows to Canadian Tire locations. Plus you get battery boosts, flat-tire changes, lockout service, fuel delivery (up to $5 of gas) and, should you get stuck in a ditch, extrication and winching. You’ll also have 24/7 service .

This package is perfect for frequent road-trippers and people with long commutes. Also, cardholders receive exclusive discounts and offers on oil changes, car washes, entertainment, shopping, travel, hotels, attractions and more.

Honourable mention

Bmo cashback world elite mastercard.

• Annual fee:   $120
• Earn rate:  5% cash back on groceries, 4% back on transit, 3% back on gas and electric vehicle charging, 2% on recurring bill payments, and 1% back on everything else
• Welcome bonus:  You can earn up to 10% cash back in your first 3 months and the $120 annual fee waived in your first anniversary
• Additional benefits : Complimentary Roadside Assistance Program; BMO World Elite Total Travel and Medical Protection; 25% off at National and Alamo for car rentals; and Mastercard Travel Rewards program.
• Interest rates: 20.99% on purchases, 23.99% on cash advances, 23.99% on balance transfers

At a glance: With the BMO CashBack World Elite credit card, you get basic coverage access to the roadside assistance program with Dominion Automobile Association (DAA) for free—it costs $99 annually on its own. Coverage is 24/7, and you get up to four service calls per year. The maximum distance for towing is 10 kilometres. The service includes emergency tire changes, winching, battery boost, lost key lockout assistance and emergency fuel delivery. Coverage is free for additional cardholders.

Is roadside assistance worth it?

You likely know credit cards can earn you travel points or cash back , but roadside assistance is an underrated perk. It’s worth looking at when when considering which credit card you want in your wallet. Roadside assistance could cost $75 or more a year, if you pay directly for a membership from Canadian Automobile Association (CAA) or another provider. Depending on where you live, the price of a tow can vary, but without a membership plan, some Canadians have been gouged $4,000 in fees for a single tow . When you have roadside assistance built in as a perk on your credit card, you can get emergency towing, gasoline delivery when you’ve stuck, your dead battery revived, your flat tires fixed, access to your car when you’ve locked the keys inside, and much more. The value of those emergency services makes the annual fee on the credit card worth paying, plus some cards waive that cost the first year, so it’s a win-win for this kind of perk.

Read more on Canada’s best credit cards :

• Best gas credit cards in Canada
• The best no-fee credit cards 
• Best rewards credit cards
• Best travel credit cards
• Best cash-back credit Cards
• Best low-interest credit cards
• Best balance transfer credit cards
• Best student credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy.

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Table of contents

• The best cards at a glance
• The best cards in more detail
• About roadside assistance credit cards

About Lisa Hannam

About Keph Senett

• How to Choose the Right Credit Card
• How to Apply for a Credit Card
• How to Cancel a Credit Card
• Ways To Pay Off Credit Card Debt
• Why Your Credit Card Was Declined
• How to Get Out of Credit Card Debt
• What to Know About Credit Card Minimum Payments
• What Is a Credit Card and Should You Get One?
• How Do Credit Cards Work in Canada?
• What Are the Different Types of Credit Cards?
• How an International Credit Card Works
• Common Credit Card Terms and Conditions
• Credit Card Fees and Charges
• Credit Card Interest Calculator
• First-Time Home Buyer Incentive
• Tax-Free First Home Savings Account
• Home Equity Loan
• How a Reverse Mortgage Works
• Home Equity Line of Credit
• Mortgage Renewal
• Getting a Second Mortgage
• How to Refinance a Mortgage
• How Does Mortgage Interest Work?
• Realtors vs Real Estate Agents vs Brokers
• Is Canada’s Housing Market Crashing?
• Types of Houses in Canada
• First-Time Home Buyer Grants and Assistance Programs
• Types of Mortgages in Canada: Which Is Right for You?
• How Does a Mortgage Work in Canada?

• What Is an Interest Rate?
• Guaranteed Investment Certificate (GIC)
• Savings Account Guide
• Common Canadian Bank Fees and Charges
• Types of Bank Accounts in Canada
• EQ Bank Review
• Simplii Financial Review
• Tangerine Bank Review
• National Bank of Canada Review
• CIBC Review
• Scotiabank Review
• TD Bank Review
• What Is Canadian Investor Protection Fund (CIPF) Coverage?
• How Capital Gains Tax Works
• Investing for Canadian Beginners
• Understanding Asset Classes in Investing
• Understanding Fixed-Income Investments
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• What Are T-Bills
• What is a Bond
• What is Registered Disability Savings Plan (RDSP)
• What Are Mutual Funds
• What is an ETF (Exchange Traded Fund)
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• What Is Cryptocurrency and How Does It Work
• What Is a Stock
• What is Old Age Security and How Does It Work
• What is Registered Retirement Income Funds (RRIFs)
• How a Life Income Fund (LIF) Works for Retirement
• What Is An In-Trust Account
• What Is a Locked-in Retirement Account (LIRA)
• How Much Money You’ll Need To Retire
• Defined Benefit vs. Defined Contribution Pension Plans
• Can Annuities Fund Your Retirement?
• What Is a Personal Loan?
• Personal Loan Insurance: Do You Need It?
• What Is a Secured Personal Loan?
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• Small Business Loan vs Personal Loan
• Personal Loan vs. Line of Credit
• Personal Line of Credit vs Home Equity Loan:
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• Price Matching Tips to Help You Save Big
• How to save for Wedding
• How to Save Money on Groceries
• Ways to Save on Your Next Family Vacation
• Tips to Help You Save On Gas
• How to Save Money in 8 Easy Steps
• Passive Income: What It Is and How to Make It
• Budgeting 101: How to Budget Your Money
• Ways to Make Money Online and Offline in Canada
• How Do Credit Inquiries Work?
• What is the Ideal Credit Utilization Ratio?
• What Credit Score is Needed for a Credit Card?
• How to Get a Better Credit Score
• What is a Good Credit Score in Canada?
• Credit Cards

TD First Class Travel vs TD Aeroplan: How to Choose

The main difference between TD First Class Travel and TD Aeroplan is the rewards system.  Aeroplan is Air Canada’s reward program, while the TD First Class Travel card is tied to TD Rewards Points. Thinking about where you shop and how you like to redeem your points can help you decide which of these cards is the better fit.

What is TD Aeroplan?

What is td first class travel.

• TD First Class Travel vs. TD Aeroplan: Which is better?
• TD First Class Travel cards
• TD Aeroplan cards

TD Aeroplan is the name given to a group of TD credit cards that earn Aeroplan points . You can use the points to buy things like flights, hotel rooms, car rentals, merchandise and more via Air Canada’s Aeroplan redemption platform.

TD offers four Aeroplan credit cards:

• TD Aeroplan Visa Infinite .
• TD Aeroplan Visa Platinum.
• TD Aeroplan Visa Infinite Privilege.
• TD Aeroplan Visa Business.

Did you know? TD isn’t the only issuer that works with Aeroplan. American Express and CIBC also offer Aeroplan credit cards with their own earn rates and perks.

Aeroplan rewards

Each of the four Aeroplan credit cards offered by TD have slightly different earn rates and reward categories. Learn more about each card’s earn rates and spending categories below: 

TD Aeroplan Visa Infinite Card

• 1.5x Aeroplan points on eligible gas, groceries and Air Canada purchases. 
• 1x Aeroplan points on everything else.
• Double the points earned when you shop with partner brands and through the Aeroplan eStore. 
• 50% more Aeroplan points when you shop at Starbucks (card must be linked to your Starbucks Rewards account). 

TD Aeroplan Visa Platinum Card

• 1 Aeroplan point per $1.00 spent on eligible gas, groceries and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on everything else.

TD Aeroplan Visa Infinite Privilege Card

• 2x Aeroplan points on Air Canada purchases. 
• 1.5x Aeroplan points on eligible gas, groceries, travel and dining purchases.
• 1.25x Aeroplan points on everything else. 

TD Aeroplan Visa Business Card

• 1.5x Aeroplan points on eligible travel, dining and business purchases. 
• 1x Aeroplan points on everything else. 

TD Aeroplan card earn rates and categories accurate as of June 22, 2023.

Pros of TD Aeroplan

• Range of cards to choose from.
• Business card available. 
• Most cards include travel insurance, such as medical, baggage delay and flight cancellation.

Cons of TD Aeroplan

• The redemption program focuses mainly on Air Canada. 
• Lower earn rates than similar cards, including the TD First Class Travel card.

TD First Class Travel is another name for one of TD’s rewards cards: the TD First Class Travel Visa Infinite card. It’s the only card from TD with the name First Class Travel, but not the only card that earns TD Rewards Points. The TD Platinum Travel Visa, TD Travel Rewards Visa and TD Business Travel Visa also earn TD Rewards Points.

TD First Class Travel rewards

The TD First Class Travel Visa Infinite card earns between two and eight TD Rewards Points per CAD spent, depending on the purchase category.

• 8x TD Rewards Points on travel bookings made via the Expedia for TD platform.
• 6x TD Rewards Points on groceries and restaurants.
• 4x TD Rewards Points on recurring bill payments.
• 2x TD Rewards Points on everything else. 

Pros of TD First Class Travel

• High reward earn rates compared to TD Aeroplan cards.
• Travel TD Rewards Points can be redeemed with multiple booking platforms.
• Includes travel insurance, such as medical, baggage delay and flight cancellation.  

Cons of TD First Class Travel

• Only one First Class Travel card to choose from.
• Highest earn rate is only for Expedia purchases.

TD First Class Travel vs TD Aeroplan: Which is better?

TD Aeroplan beats out First Class Travel when it comes to points value. Based on NerdWallet analysis, the average value of 1 Aeroplan point is worth 2.23 cents. To compare, you can expect to get around 0.25-0.5 cents per TD Rewards Point, according to NerdWallet analysis. These values depend on the redemption method you choose.  

That’s not to say TD Aeroplan cards are better than the TD First Class Travel Visa Infinite card. If you don’t fly with Air Canada, for example, Aeroplan points may not be as practical. Look at features like annual fees , reward categories, redemption options, interest rates and insurance perks when making your decision.

TD First Class Travel and TD Aeroplan cards

Td first class travel® visa infinite* card.

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024. Waived first year
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 2x-8x Points Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†. Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†. Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†. Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
• Intro Offer Up to 100,000 Points Earn up to 100,000 TD Rewards Points†: Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†. Earn a Birthday Bonus of up to 10,000 TD Rewards Points†. Account must be approved by June 3, 2024.
• Earn up to $800 in value†, including up to 100,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
• Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
• Earn a Birthday Bonus of up to 10,000 TD Rewards Points†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening.
• To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
• Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
• Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
• Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†.
• Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
• No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
• Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
• Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
• Shop online through TDRewards.com Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Option to purchase TD Auto Club Membership†: and be covered 24 hours a day for emergency roadside assistance services in case something goes wrong when you are out on the road.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• 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 any TD product, please click the Apply Now button.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 50,000 Points Earn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.

TD® Aeroplan® Visa Platinum* Card

• Annual Fee $89 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024. Waived first year
• Rewards Rate 0.67x-1x Points Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Intro Offer Up to 20,000 Points Earn up to 20,000 Aeroplan points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening†. Conditions Apply. Account must be approved by September 3, 2024.
• Earn up to $500 in value† including up to 20,000 Aeroplan points† and no annual fee for the first year. Conditions Apply. Account must be approved by September 3, 2024.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.
• Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder.
• Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
• Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
• To be eligible, you must be a Canadian resident and be of the age of majority in your province/territory of residence.

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
• Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
• Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
• Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.

TD® Aeroplan® Visa* Business Card

• Annual Fee $149 Waived first year
• Interest Rates 14.99% / 22.99% 14.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-2x Points 2x on Air Canada purchases, including Air Canada Vacations. 1.5x on travel, dining and select business categories, such as shipping, internet, cable and phone services. 1x on everything else.
• Intro Offer Up to 60,000 Points Earn up to 60,000 Points: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Plus, earn up to 45,000 Aeroplan points when you spend $2,500 in purchases each month for the first 12 months of Account opening. Plus, earn up to 5,000 Aeroplan points when you spend $250 on eligible mobile wallet Purchases within 90 days of Account opening. Account must be opened by June 3, 2024.
• Earn up to 60,000 Aeroplan points¹, with no Annual Fee in the first year¹. Conditions Apply. Account must be opened by June 3, 2024.
• Earn 2 Aeroplan points for every dollar spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
• Earn 1.5 Aeroplan points for every dollar spent on eligible travel, dining and select business categories, such as shipping, internet, cable and phone services.
• Earn 1 Aeroplan point for every dollar spent on all other eligible purchases.
• Earn points twice when paying with a TD Aeroplan Visa Business Card and providing an Aeroplan number at over 150 Aeroplan partner brands and more than 170 online retailers via the Aeroplan eStore.
• Points can be redeemed for flights, hotels, merchandise, gift cards and more. They can also be used to pay down the card’s balance.
• Linked cards earn 50% more Aeroplan points and Stars at participating Starbucks stores.
• $149 annual fee — rebated in the first year.
• Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
• One free one-time guest pass to Maple Leaf Lounges for every $10,000 in net purchases. Maximum of 4 passes a year.
• Reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 in net purchases.
• Access online reporting, review business expenses, managing existing credit limits and apply spend controls through the TD Card Management Tool.
• Visa SavingsEdge program: save up to 25% on eligible business purchases.
• Travel benefits: travel medical insurance (up to $2 million in coverage for the first 15 days for those under 65; coverage lasts for 4 days for those 65 and older); common carrier travel accident insurance (up to $500,000 for covered losses), trip cancellation insurance (up to $1,500 per insured person; maximum of $5,000), trip interruption insurance (up to $5,000 per insured person; maximum of $25,000), flight/trip delay insurance (up to $500 if a flight or trip is delayed for longer than 4 hours), delayed and lost baggage insurance (up to $1,000 of overall coverage per insured person), auto rental collision/loss damage insurance (covers the full cost of a car rental for up to 48 days), hotel/motel burglary insurance (up to $2,500), mobile device insurance (up to $1,000 in coverage).
• Toll-free emergency travel assistance services.
• Receive a rebate of up to $100 on NEXUS enrolment application/renewal fee costs once every 48 months.
• Save a minimum of 10% on the lowest available base rates in Canada and the U.S., and a minimum of 5% on the lowest base rates internationally on qualifying car rentals at participating Avis and Budget locations.
• Visa Zero Liability protection, Verified by Visa and instant alerts to prevent fraudulent card use.
• Purchase security and extended warranty protection.
• Minimum credit limit of $1,000.
• Interest rates: 14.99% on purchases, 22.99% on cash advances.

About the Author

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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• Small Business
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TD Double Up SM  Credit Card

Earn unlimited 2% Cash Back on all eligible purchases – no rotating Spend Categories, no caps or limits

Plus, get 2 special introductory offers

Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening 1

Balance transfers: 0% introductory APR balance transfers for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24%  variable APR based on your credit worthiness*

Rewards details: Earn 2% Cash Back*

Earn unlimited 2% Cash Back on all eligible purchases

No rotating Spend Categories, no caps or limits as long as your credit card account is open and in good standing

Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card 2

No annual fee*

* Read terms and conditions  for important information about APRs, fees, eligible purchases, balance transfers and rewards program details.

Rates and fees for TD Double Up Card

Need more information? Take a look at our  terms and conditions  or the  Personal Credit Card Agreement for TD Double Up Card .

Services with your TD Credit Card

Digital wallet.

Add your TD cards to your mobile device to simplify your online, in-store and in-app purchases

Visa Zero Liability 3

Enjoy Visa security on purchases, plus protection against unauthorized charges

Instant credit card replacement

If your card is lost or stolen, you may be able to get an immediate replacement at a TD Bank

Contactless Payments

Learn more about the convenience and security of contactless payments

Apply for a TD Double Up Card

The fastest way to apply

Book an appointment at your local TD Bank to set up your account

Talk to a Banking Specialist 24/7

Already have a TD Credit Card?

See what your td credit card can do.

Manage your card, redeem rewards and use our digital tools to get the most out of your card

TD Bank Visa® Credit Card Benefits

Every TD Bank Credit Card comes with an added layer of protection such as emergency card replacement, roadside assistance and more

Log in to manage your card

View your balance, pay your bill and more with Online Banking and the TD Bank app

Important Disclosures

View the Personal Credit Card Agreement for TD Double Up Card . View the TD Double Up Card Application for Cross-Border Clients .

* Read important terms and conditions  for details about APRs, fees, eligible purchases, balance transfers and rewards program details. Balance transfer 0% introductory APR for first 15 billing cycles after account opening. After that, 20.24%, 25.24% or 30.24% variable APR based on your creditworthiness. There is a balance transfer fee of $5 or 3% of each transfer, whichever is greater. If you have a 0% introductory or promotional APR balance transfer and also use your Account to make Purchases, you can avoid paying interest if you pay the “Payment to Avoid Purchase Interest” amount shown within the ‘Payment Information’ box on your account statement.    

1 Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. If you are approved for an Account in response to this specific offer, you are eligible to earn a One-Time Bonus Offer ("One Time Bonus Offer") of 15,000 Bonus Points, equal to $150 in the form of a statement credit. To qualify for the $150 statement credit, you must spend $1,000 in total Purchases using the Account within 90 days of the Account opening date. Provided your Account is open and in good standing, the 15,000 Bonus Points, equal to a $150 statement credit will be reflected on your Account within 6 to 8 weeks after you have met the eligibility criteria. This One-Time Bonus Offer is not available if you open an account in response to a different offer that you may receive from us or if you previously received a One-Time Bonus Offer on this account or any other account with us.

2 To learn more about TD Visa Credit Card Benefits please visit  https://www.td.com/us/en/personal-banking/credit-cards/benefits-features .

3 To learn more about Visa Zero Liability please visit  https://usa.visa.com/support/consumer/security.html . By clicking on this link you are leaving our website and entering a third-party website over which we have no control. Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites. Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.

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