TD Aeroplan Visa Platinum Credit Card

The TD Aeroplan Visa Platinum Credit Card is designed with the frequent traveler in mind, offering a blend of travel benefits and insurance coverage that makes it a competitive choice in its category. With an annual fee of $89, the card provides value through its flexible Aeroplan points redemption options, despite having a slightly lower rewards ratio compared to some premium cards.

Welcome Bonus Offer

One of the standout features of this card is its generous welcome bonus. New cardholders can earn up to 20,000 Aeroplan points, which is approximately valued at $145. The bonus structure is straightforward:

• Earn 10,000 Aeroplan points upon making your first purchase.
• Earn an additional 10,000 points by spending $1,000 within the first 90 days of account opening.
• The first-year annual fee is waived, adding further value for new cardholders.

Card Details

• Annual Fee: $89 (waived for the first year)
• Additional Cardholder Fee: $35
• Purchase Interest Rate: 20.99%
• Cash Advance Interest Rate: 22.99%

Rewards Summary

The TD Aeroplan Visa Platinum card offers a tiered rewards system:

• 10,000 Aeroplan points upon first purchase.
• 10,000 additional Aeroplan points after spending $1,000 within the first 90 days.
• 1 Aeroplan point per $1 spent on groceries, gas, and Air Canada purchases.
• 1 Aeroplan point per $1.50 spent on all other purchases.
• Double Aeroplan points at participating stores when presenting your Aeroplan Card.
• 50% more Aeroplan points at participating Starbucks locations.

Benefits Summary

• Flexible redemption options: Points do not expire as long as the card is active.
• No restrictions on redeeming points for travel.
• Car rental discounts at Avis & Budget.
• Extensive insurance coverage: Including Travel Accident, Baggage, Car Rental, Flight Delay, Purchase Security, Extended Warranty, Mobile Device Insurance, and Hotel Burglary Insurance.

Insurance Coverage

The insurance benefits add substantial value to the card, especially for frequent travelers:

• Travel Accident Insurance
• Baggage Insurance
• Car Rental Collision/Loss Damage Insurance
• Flight Delay Insurance
• Purchase Security and Extended Warranty Insurance
• Mobile Device Insurance
• Hotel Burglary Insurance

Final Thoughts

The TD Aeroplan Visa Platinum Credit Card is a solid option for those looking to maximize their Aeroplan points. It offers good value through its welcome bonus and a variety of travel-related perks. However, the $89 annual fee, along with additional cardholder fees, may deter those seeking a more cost-effective rewards card. The card’s value is significantly enhanced during promotional periods when welcome bonuses are offered, so potential applicants might want to time their application accordingly.

For more information, you can visit the TD Aeroplan Visa Platinum Credit Card page or check out Aeroplan’s official site.

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Disclaimer: Refer to the credit card official web page for the latest up to date rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.