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Pros & Cons
Pros
- +First Year Annual Fee Rebate ($89 annual fee rebated)
- +Welcome Bonus: Up to 20,000 points
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
With the TD® Aeroplan® Visa Platinum* Card, you can earn up to 20,000 Aeroplan points and get a Annual Fee rebate for the first year:
- 10,000 Aeroplan points for the first purchase made with your card†
- 10,000 additional Aeroplan points when you spend $1,500 within the first 90 days of opening your account†
- First-year Annual Fee waived for primary cardholder (instead of $89)†.
- To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
With the TD® Aeroplan® Visa Platinum* Credit Card, you earn 1 point per dollar spent on eligible purchases for:
- Grocery stores
- Eligible purchases of gas or electric vehicle charging
- Air Canada purchases, including Air Canada Vacations
This TD Aeroplan credit card requires no minimum income.
Rewards
All Spending
0.67x
Aeroplan pts per dollar
Gas
1x
Aeroplan pts per dollar
Air Canada flights
1x
Aeroplan pts per dollar
Groceries
1x
Aeroplan pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
23,664
Aeroplan/yr
Estimated Value
$473
After Fees
+$473
1st Year Value
$873
incl. welcome bonus
Annual rewards breakdown
- Earn 10,000 Aeroplan
- Earn 10,000 Aeroplan after $1,500 in purchases within the first 90 days
First-year advantages
- $89
Travel Insurance
Delayed Baggage
Up to $1,000
Lost Baggage
Up to $1,000
Flight Delay
Up to $500
Hotel Burglary
Up to $2,500
Travel Accident
Up to $500,000
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$89
First Year Annual Fee Rebate
- Additional card fee$35
First Year Annual Fee Rebate
- Foreign currency conversion fee2.5%
- Purchase Rate21.99%
- Balance transfer rate22.99%Quebec21.99%
- Cash advance rate22.99%Quebec21.99%
Terms & Conditions
Card Features
Up to $500 in value†, including up to 20,000 Aeroplan points† could be yours and receive an Annual Fee rebate for the first year†. Conditions Apply.
- 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 $1,500 within 90 days of Account opening†
- Get an Annual Fee rebate for the first year†
To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- 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
- Earn points twice†when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Legal
†Terms and conditions apply.
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FAQ
What are the annual fees for the TD Aeroplan Platinum Visa Card?
The TD Aeroplan Platinum Visa Card has annual fees of $89 for the primary cardholder and $35 for supplementary cardholders.
How do you earn points with the TD Aeroplan Platinum Visa Card?
The TD Aeroplan Platinum Visa Card offers 1 point per dollar on gas, electric vehicle charging, groceries, and Air Canada purchases, and 1 point per $1.50 on other purchases.
Do Aeroplan points expire with the TD Aeroplan Platinum Visa Card?
No, Aeroplan points from the TD Aeroplan Platinum Visa Card do not expire as long as you remain a primary cardholder in good standing.
Can you share Aeroplan points with your family?
Yes, the Aeroplan program allows your family members to combine their points through Aeroplan Family Sharing.
What travel insurance does the TD Aeroplan Platinum Visa Card offer?
The TD Aeroplan Platinum Visa Card includes delayed baggage insurance ($1,000), flight delay ($500), travel accident ($500,000), and rental car collision/loss damage waiver.
Does the TD Aeroplan Platinum Visa Card offer discounts on car rentals?
Yes, the TD Aeroplan Platinum Visa Card offers at least a 10% discount at Avis and Budget in Canada/USA and 5% internationally.
Are there any restrictions for redeeming Aeroplan points?
No, the TD Aeroplan Platinum Visa Card allows you to redeem points for all Air Canada seats available for sale, without restrictions or blackout periods.
Does the TD Aeroplan Platinum Visa Card offer benefits at Starbucks?
Yes, the TD Aeroplan Platinum Visa Card allows you to earn 50% more Stars at participating Starbucks locations.
What are the interest rates for the TD Aeroplan Platinum Visa Card?
The TD Aeroplan Platinum Visa Card has an interest rate of 21.99% on purchases and 22.99% on cash advances.
Does the TD Aeroplan Platinum Visa Card offer mobile device insurance?
Yes, the TD Aeroplan Platinum Visa Card offers up to $1,000 in coverage for mobile devices in case of loss, theft, damage, or mechanical failure.
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 TD. All trademarks are property of their respective owners.