Which has the lower annual fee, Business Marriott Bonvoy Card or TD Business Travel Visa?

The TD Business Travel Visa has a $149 annual fee, while the Business Marriott Bonvoy Card charges $150/year.

Which card is better for groceries, Business Marriott Bonvoy Card or TD Business Travel Visa?

The Business Marriott Bonvoy Card earns 2x on groceries, while the TD Business Travel Visa earns base rate. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Business Marriott Bonvoy Card accepted everywhere in Canada?

The Business Marriott Bonvoy Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

Business Marriott Bonvoy Card vs TD Business Travel Visa — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

TD Business Travel Visa wins by $2,407/yr — strongest in bills & utilities

TD Business Travel Visa earns $182 more on bills & utilities
TD Business Travel Visa earns $137 more on gas
$1,599 welcome bonus advantage

Bills & Utilities: +$182Gas: +$137Everything Else: +$96

Business Marriott Bonvoy Card: $30/yr in foreign transaction fees

Business Marriott Bonvoy Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

TD Business Travel Visa: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

$347

/first year

0.8% effective$29/mo

vs 1% no-fee card: −$72

Annual rewards earned+$526

Welcome bonus+$1

FX costs−$30

Annual fee−$150

Winner

$2,753

/first year

6.6% effective$229/mo

vs 1% no-fee card: +$2,335

Annual rewards earned+$1,332

Welcome bonus+$1,600

FX costs−$30

Annual fee−$149

Best for your spendingTD Business Travel Visa—$2,753Year 1 value

+$2,407 more than Business Marriott Bonvoy Card

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Earn Rates by Category

Wallet Optimizer

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The Bottom Line

TD Business Travel Visa wins by $2,407/yr — strongest in bills & utilities

TD Business Travel Visa earns $182 more on bills & utilities
TD Business Travel Visa earns $137 more on gas
$1,599 welcome bonus advantage

Bills & Utilities: +$182Gas: +$137Everything Else: +$96

Showing Year 1 analysis

TD Business Travel Visa wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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