Daniela Hanna
The TDÂŽ AeroplanÂŽ Visa Platinum* Credit Card is the entry-level TD Aeroplan card designed for Canadians who want to earn Aeroplan points on everyday spending without the higher income requirements of premium cards. Youâll earn 1 Aeroplan point per $1 on eligible gas, electric vehicle charging, grocery and direct Air Canada purchases, and 1 point for every $1.50 you spend on everything else, plus a welcome offer of up to 15,000 Aeroplan points and a first-year annual fee rebate for you and your first additional cardholder (offer effective September 4, 2025; conditions apply).
Quick highlights
- đ Welcome offer: Earn up to 15,000 Aeroplan points â 10,000 points after your first purchase, plus 5,000 more when you spend $1,000 in the first 90 days. First-year annual fee rebate for the primary card and first additional cardholder (conditions apply).
- â˝ 1 Aeroplan point per $1 on eligible gas, EV charging, grocery and direct Air Canada purchases (including Air Canada Vacations).
- đ 1 Aeroplan point per $1.50 on all other eligible purchases.
- đ¨âđŠâđ§âđŚ Aeroplan Family Sharing lets you pool points with up to 8 family members to reach rewards faster.
- 𧳠Built-in flight/trip delay, delayed & lost baggage, hotel/motel burglary and common carrier accident insurance when you charge travel to the card.
- đ Auto rental collision/loss damage coverage for rentals up to 48 consecutive days, plus car rental discounts with Avis and Budget.
- đą Mobile device insurance up to $1,000 on eligible smartphones and tablets purchased with the card.
Why we like the TD Aeroplan Visa Platinum Card
The TD Aeroplan Visa Platinum is a great way to get into Aeroplan without needing the higher income or annual fees of premium Visa Infinite products. You still get the key earn structureâ1 point per $1 on gas, EV charging, grocery and Air Canada, and 1 point per $1.50 on everything elseâand you can take advantage of Aeroplanâs flexible flight rewards and family sharing features.
The current welcome offer of up to 15,000 Aeroplan points plus a first-year annual fee rebate adds a strong first-year boost for a modest-fee card, especially if youâre building up points for a short-haul trip or topping up for a bigger redemption. You donât get the full suite of premium travel perks, but you do get practical insurance like flight delay, baggage coverage, hotel/motel burglary, rental car collision and mobile device insurance that can still save you money and stress when you travel.
Stand-out features
- â Up to $400 in value with the current offer, including up to 15,000 Aeroplan points and first-year annual fee rebates for you and your first additional cardholder (conditions apply).
- â 1 Aeroplan point per $1 on eligible gas, EV charging, grocery and direct Air Canada/Air Canada Vacations purchases.
- â 1 Aeroplan point per $1.50 on all other eligible purchases, so youâre always earning something back.
- â Aeroplan Family Sharing lets you share and redeem points with up to 8 family members, which makes rewards feel much more attainable.
- â Earn points twice when you pay with your card and present your Aeroplan number at partner brands or shop via the Aeroplan eStore.
- â Included flight/trip delay, delayed & lost baggage, common carrier accident, hotel/motel burglary and rental car CDW coverage when you pay with the card.
- â Mobile Device Insurance up to $1,000 for eligible phones and tablets purchased with the card.
Good to know
- â ď¸ No minimum income requirement is listed, but approval still depends on TDâs credit assessment.
- â ď¸ The bonus earn rate on gas, EV charging, grocery and Air Canada purchases applies only up to a combined annual cap of $80,000 in spend; after that, those purchases earn at the lower rate.
- â ď¸ This card does not include built-in out-of-province/out-of-country travel medical insurance; TD sells separate travel medical and trip cancellation coverage if you want it.
- â ď¸ Standard 2.5% foreign transaction fee applies on purchases in non-Canadian currencies.
- â ď¸ Aeroplan points are most valuable for Air Canada and partner flight redemptions; merchandise and gift cards usually give lower value.
Pros
- Accessible way to earn Aeroplan points without premium-card income requirements.
- Strong earn rate of 1 point per $1 in common categories (gas, EV charging, groceries and Air Canada purchases).
- Current welcome offer with up to 15,000 bonus points plus a first-year annual fee rebate offers solid first-year value.
- Aeroplan Family Sharing and âearn points twiceâ with partners can meaningfully accelerate your earning.
- Useful travel protections: flight/trip delay, delayed & lost baggage, hotel/motel burglary, common carrier accident and rental car CDW.
- Mobile Device Insurance and Purchase Security & Extended Warranty provide good everyday protection on big purchases.
- You still get Aeroplan cardholder perks like preferred pricing on many Air Canada flight rewards.
Cons
- No included travel medical insurance; youâll need separate coverage or an additional card for that.
- Earn rate on âall otherâ purchases (1 point per $1.50) is weaker than many competing travel or cash back cards.
- Bonus earn rate on key categories is subject to a combined annual cap; heavy spenders may hit that ceiling.
- Standard 2.5% foreign transaction fee makes it less appealing for frequent foreign-currency spending.
- No free checked bag, no lounge access and fewer premium perks than Visa Infinite Aeroplan cards.
- Interest rates are high; carrying a balance will quickly wipe out the value of the rewards.
Rewards program
The TD Aeroplan Visa Platinum earns Aeroplan points, Air Canadaâs loyalty currency. Points can be redeemed for Air Canada and Star Alliance flights, partner airline redemptions, upgrades, vacation packages, hotels, car rentals and more, plus non-travel rewards like merchandise and gift cards. Every purchase on the card helps you move closer to your next trip.
- Gas, EV charging, grocery & Air Canada: Earn 1 Aeroplan point per $1 spent on eligible gas, electric vehicle charging, grocery and direct Air Canada/Air Canada Vacations purchases made with your card.
- All other purchases: Earn 1 Aeroplan point for every $1.50 spent on all other eligible purchases.
- Category cap: The bonus earn rate on gas, EV charging, grocery and Air Canada purchases applies only to a combined maximum annual amount (currently $80,000); above that, those purchases earn at the lower standard rate.
- Earn points twice: Pay with your card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore to earn points twice on the same purchase.
- Aeroplan Family Sharing: Pool points with up to 8 family members, so multiple peopleâs spending can help reach redemptions faster.
- Points donât expire as long as youâre a TD Aeroplan Visa Platinum primary cardholder in good standing.
How to maximize rewards
-
Route your core spending into the 1Ă categories.
Make sure gas, EV charging, groceries and direct Air Canada purchases are on this card so youâre always getting 1 point per $1 on those everyday essentials. -
Plan around the welcome offer.
Use upcoming expenses (bills, insurance premiums, travel bookings, back-to-school spending) to comfortably hit the $1,000 in the first 90 days requirement and lock in the extra 5,000 bonus points on top of the 10,000-point first-purchase bonus. -
Leverage Aeroplan eStore and partners.
Before shopping online, check if the retailer is in the Aeroplan eStore. Pay with your TD Aeroplan Visa Platinum and earn Aeroplan points from the portal at the same time. -
Use Family Sharing to your advantage.
Combine points with family members so smaller balances add up to real flight rewards instead of sitting idle across multiple accounts. -
Redeem primarily for flights.
Where possible, steer your points toward flight rewards (including partner airlines) rather than merchandise or low-value gift cards, especially on routes where cash fares are high. -
Pair with a no-FX or cash-back card.
Since this card charges foreign transaction fees and has a weaker base earn rate on âotherâ purchases, using a second card for foreign currency or non-bonus spending can improve your overall value. -
Donât let insurance go to waste.
For trips where youâre okay without medical coverage or youâve bought separate travel medical, put flights and car rentals on this card to trigger its delay, baggage, hotel burglary and rental car protections.
Insurance & benefits
Included coverage
- Delayed & Lost Baggage Insurance
- Up to $1,000 of overall coverage per insured person toward essentials like clothing and toiletries if your baggage is delayed for over 6 hours or lost by a common carrier, when the full fare is charged to the card.
- Flight/Trip Delay Insurance
- Up to $500 per insured person for reasonable expenses (meals, accommodations, transportation) if your flight or trip is delayed for over 4 hours, provided the trip was charged to the card.
- Common Carrier Travel Accident Insurance
- Up to $500,000 of coverage for accidental death or covered dismemberment when travelling as a passenger on a common carrier (plane, train, bus, ship) and the fare is charged to your card.
- Auto Rental Collision/Loss Damage Insurance
- Covers eligible rental vehicles worldwide for up to 48 consecutive days when you charge the full cost of the rental to your card and decline the rental agencyâs CDW/LDW coverage.
- Hotel/Motel Burglary Insurance
- Up to $2,500 per occurrence for eligible personal items stolen from your hotel or motel room in Canada or the U.S. when you charge the stay to the card.
- Mobile Device Insurance
- Up to $1,000 of coverage if an eligible smartphone or tablet purchased or financed with your card is lost, stolen, accidentally damaged or suffers mechanical failure, subject to depreciation and deductibles.
- Purchase Security
- Most new items charged to your card are covered against theft or damage for 90 days from the date of purchase.
- Extended Warranty Protection
- Automatically doubles the manufacturerâs warranty on many eligible items for up to one additional year, as long as the original warranty is valid in Canada.
- Emergency Travel Assistance
- 24/7 access to assistance services for medical referrals, lost documents, emergency cash transfers and more when youâre travelling out of province or country.
Travel & lifestyle perks
- Aeroplan Flight Rewards â access to every seat available for cash on Air Canada flights, bookable with points, plus redemptions for partner airlines, hotels and car rentals.
- Aeroplan Family Sharing â pool points with family members to reach flight rewards faster while still keeping individual accounts and statuses separate.
- Starbucks partnership: link your eligible TD credit card to earn 50% more Starbucks Stars at participating locations (conditions apply).
- Car rental discounts: save at least 10% off base rates at Avis and Budget in Canada and the U.S., and at least 5% internationally when you pay with your card and use the TD discount codes.
- TD Payment Plans: convert eligible purchases of $100 or more into fixed monthly payments over 6, 12 or 18 months with a disclosed fee instead of standard interest on that amount.
- Digital wallet support: add your card to Apple Pay, Google Pay or Samsung Pay for quick and secure contactless payments.
- Fraud and security features: chip & PIN, Visa Secure for online purchases, fraud monitoring, TD Fraud Alerts and the ability to lock your card or block international purchases in the TD app.
Important: The TD Aeroplan Visa Platinum does not include built-in emergency travel medical insurance. If you need medical coverage or trip cancellation/interruption protection, TD offers separate travel insurance that you can purchase as an optional add-on.
Rates & fees
| Annual fee | $89 for the primary cardholder. |
|---|---|
| Additional cards | $35 per additional cardholder per year. The current offer includes a first-year annual fee rebate for the primary card and first additional cardholder (conditions apply). |
| Purchase APR | 21.99% on purchases. |
| Cash advance APR | 22.99% on cash advances, balance transfers and TD Payment Plan balances unless a promotional rate applies. Rates may differ in Quebec. |
| Installment purchases | Eligible purchases of $100 or more can be placed into TD Payment Plans of 6, 12 or 18 months with a set fee per plan instead of standard interest on that purchase amount (conditions apply). |
| Cash advance limit | Subject to your available credit and daily ATM or in-branch limits. Interest on cash advances accrues from the date of the transaction. |
| Grace period | At least a 21-day interest-free grace period on new purchases when you pay your statement balance in full by the due date. No grace period on cash advances or balance transfers. |
| Minimum payment | Generally a small percentage of your statement balance plus interest, fees and any past-due amounts, subject to TDâs minimum payment rules and provincial regulations. Check your cardholder agreement for details. |
Best for
- âď¸ New or casual Aeroplan collectors who want to earn points on everyday spending without premium-card requirements.
- đ˘ Drivers and commuters who spend regularly on gas or EV charging and can take advantage of the 1Ă earn rate.
- đ Families that put a lot of budget into groceries and Air Canada flights and can also tap into Aeroplan Family Sharing.
- đą Cardholders who value built-in protections like mobile device insurance, purchase security and extended warranty.
- đź Travellers who already have separate medical coverage (through work, another card or standalone insurance) but still want flight and baggage protections.
Where it falls short
- Lack of included travel medical insurance is a major gap compared with many mid-tier travel cards.
- Base earn rate of 1 point per $1.50 on non-bonus purchases is relatively weak by modern standards.
- No free checked bag, no Maple Leaf Lounge access and no Priority airport perks, which frequent flyers may expect from a travel card.
- Foreign transaction fee of about 2.5% makes it a poor choice for regular foreign-currency purchases.
- Bonus categories have a combined annual cap; heavy spenders may run into it and see their earn rate drop.
- Standard high credit-card interest rates mean carrying a balance will quickly negate any rewards value.
Customer reviews
Positive feedback
âI wanted to start earning Aeroplan points but didnât qualify for the premium cards yet. The TD Aeroplan Visa Platinum has been a nice stepping stone, and the welcome bonus plus first-year fee rebate made it easy to justify.â
âWe use this card for gas, groceries and our occasional Air Canada flights, then combine points in an Aeroplan family group. Thatâs been enough to cover a couple of short-haul trips each year.â
Critiques
âThe biggest downside is no included medical insurance. Iâm comfortable because my work benefits cover me, but if they didnât Iâd probably want a different primary travel card.â
âThe 1 point per $1.50 on everything else doesnât feel great. I use a separate cash-back card for non-bonus spending and keep this one mainly for Aeroplan earning and the travel protections.â
Community insights
Among Canadian rewards enthusiasts, the TD Aeroplan Visa Platinum is often recommended as a starter Aeroplan card or a solid choice for those who canât or donât want to meet the income requirements of Visa Infinite cards. Itâs appreciated for its welcome offer, Aeroplan earning and core travel protections, but experienced points collectors often pair it with either a premium Aeroplan card (for stronger earn and perks) or a no-FX card to cover gaps. In other words, itâs a good piece of a strategy, even if it isnât the whole strategy.
AI review (straight talk)
The TD Aeroplan Visa Platinum Card makes a lot of sense if youâre Aeroplan-curious, fly Air Canada occasionally and want to turn everyday spending into flights without committing to a higher-fee, higher-income product. The welcome bonus, first-year annual fee rebate and 1Ă earn rate on gas, EV charging, groceries and Air Canada purchases are all very solid for a card at this level.
The main trade-offs are clear: no travel medical insurance, weaker base earn on non-bonus purchases and no premium perks like lounge access or free checked bags. If youâre okay layering a separate travel medical policy or already get that coverage elsewhere, this card becomes a straightforward way to build Aeroplan points. If you travel often and want more comprehensive perks in a single card, youâll likely outgrow it and move into the Visa Infinite tier.
Alternatives & comparison
| Card | Annual Fee | Top Categories / Earn | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| TD Aeroplan Visa Platinum | $89 | 1Ă Aeroplan point per $1 on gas, EV charging, grocery and Air Canada | 1 point per $1.50 | Welcome bonus up to 15,000 points, first-year fee rebated, Aeroplan earning, flight & baggage insurance, rental car CDW, mobile device coverage | New or casual Aeroplan members wanting a modest-fee co-branded card |
| TD Aeroplan Visa Infinite | Higher ($139) | 1.5Ă points on gas, EV charging, grocery and Air Canada purchases | 1 point per $1 | Stronger earn rate, free first checked bag on Air Canada for you and companions, travel medical insurance, more robust perks | Frequent Air Canada flyers who meet the higher income requirement |
| TD Aeroplan Visa Infinite Privilege | Much higher ($599) | 2Ă on Air Canada; 1.5Ă on gas, EV charging, grocery, travel & dining | 1.25 points per $1 | Premium Air Canada benefits, Maple Leaf Lounge access, priority services, rich insurance package | Heavy travellers and high-income Aeroplan devotees |
| No-fee cash back card | $0 | Up to 2% cash back in select categories | 0.5â1% cash back | Simple statement credits, minimal perks | Light spenders or those who prefer cash over points |
| No-FX travel rewards card | Typically $100â$160 | Elevated earn on travel and some everyday categories | 1â1.5Ă on other purchases | No foreign transaction fees, often includes travel medical and other protections | Canadians who make frequent purchases in foreign currencies |
FAQ
What is the annual fee for the TD Aeroplan Visa Platinum Card?
The annual fee is $89 for the primary cardholder and $35 for each additional cardholder. Under the current promotion, the first yearâs annual fee for the primary card and first additional cardholder is rebated when conditions are met.
What are the interest rates on this card?
The standard interest rate is 21.99% on purchases and 22.99% on cash advances, balance transfers and TD Payment Plan balances (unless a promotional rate applies). Rates can differ in Quebec and may change over time, so always check the current TD disclosures before applying.
How does the TD Aeroplan Visa Platinum earn Aeroplan points?
Youâll earn 1 Aeroplan point per $1 on eligible gas, EV charging, grocery and direct Air Canada/Air Canada Vacations purchases, and 1 Aeroplan point for every $1.50 spent on all other eligible purchases. The higher earn rate applies only up to a combined annual cap on those bonus categories, after which those purchases earn at the lower rate.
What is the current welcome bonus on the TD Aeroplan Visa Platinum Card?
As of late 2025, the special offer is worth up to $400 in value and includes up to 15,000 Aeroplan points: 10,000 points after your first purchase and an additional 5,000 points when you spend $1,000 in the first 90 days, plus a first-year annual fee rebate for the primary card and first additional cardholder (conditions apply).
Does the TD Aeroplan Visa Platinum Card include travel medical insurance?
No. The TD Aeroplan Visa Platinum does not include built-in out-of-province/out-of-country travel medical insurance. TD does offer separate travel medical and trip cancellation/interruption insurance you can purchase, but that coverage is optional and not part of the cardâs included benefits.
What travel insurance does this card include?
When you charge your travel to the card, youâre covered by delayed and lost baggage insurance, flight/trip delay insurance, common carrier travel accident insurance, hotel/motel burglary coverage and rental car collision/loss damage insurance, along with emergency travel assistance. These protections are subject to the terms, conditions, exclusions and limits laid out in the Benefit Coverages Guide and Certificates of Insurance.
Is there mobile device insurance with the TD Aeroplan Visa Platinum?
Yes. The card includes Mobile Device Insurance providing up to $1,000 of coverage for eligible smartphones and tablets in case of loss, theft, accidental damage or mechanical breakdown, provided purchase or a portion of the financing/wireless plan is charged to the card and other conditions are met.
Who should consider the TD Aeroplan Visa Platinum Card?
This card is best suited to Canadians who want to earn Aeroplan points on everyday spending, appreciate flight and baggage protections, and like the first-year value of the welcome offer and fee rebateâbut who either already have travel medical coverage elsewhere or are comfortable buying it separately.
Final verdict & ratings
Our take The TD Aeroplan Visa Platinum Card is a strong entry point into the Aeroplan ecosystem. It balances a modest annual fee with a genuinely useful welcome offer, practical travel protections and a straightforward earn structure that rewards common spending like gas, EV charging, groceries and Air Canada flights.
Itâs not perfectâlack of travel medical insurance and a weaker earn rate on other purchases are real limitationsâbut if youâre just starting with Aeroplan or donât qualify (or want to pay) for Visa Infinite, this card can still deliver solid value, especially in the first year. Use it strategically, pair it with complementary cards or insurance, and it can easily earn its place in your wallet.
| Overall | â â â â â 4.1 / 5 |
|---|---|
| Rewards value | 4.0 / 5 â good in key everyday categories, weaker on general spending. |
| Benefits & protections | 3.9 / 5 â useful flight, baggage, rental car and device coverage, but no travel medical. |
| Fees & costs | 4.0 / 5 â fair annual fee with first-year rebate, though foreign transaction fees still apply. |
| Ease of approval | 4.3 / 5 â more accessible than premium Aeroplan cards thanks to lower entry requirements. |
