WestJet RBC® World Elite Mastercard® for Business vs TD® Aeroplan® Visa* Business Card

Both business cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

WestJet RBC® World Elite Mastercard® for Business

WestJet RBC® World Elite Mastercard® for Business

3.5

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TD® Aeroplan® Visa* Business Card

TD® Aeroplan® Visa* Business Card

3.1

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Worked out on a typical small business spending $4,000 a month. Enter yours to see your own numbers.

$1,349

First-year value

$1,724

$449

Every year after

$774

TD® Aeroplan® Visa* Business Card is worth $376 more to your business in year one.

It stays ahead after that, by $326 a year.

How the first year adds up

Rewards and the welcome bonus in, the annual fee, FX fees and employee cards out, at your spending.

$803.76
in WestJet Rewards points a year

Annual rewards

Better of the two$1,103.29
in Aeroplan points a year
+ $900
first year only

Welcome bonus

Better of the two+ $950
first year only
− $175

Annual fee

Better of the two− $149
− $180
2.5% on $600/mo

FX fees

− $180
2.5% on $600/mo
$1,348.76

First-year value

Better of the two$1,724.29

Where each card earns

A year of your spending on each card, category by category, biggest spend first.

TD® Aeroplan® Visa* Business Card earns more on 14 of your 17 categories, WestJet RBC® World Elite Mastercard® for Business on 3.

$189
at 1.5x

All Other Business Expenses

$12,600 a year

Better of the two$239.4
at 1x
$92.28
at 1.5x

US Dollar Purchases

$6,150 a year

Better of the two$116.74
at 1x
$72
at 1.5x

Recurring Bills & Subscriptions

$4,800 a year

Better of the two$136.8
at 1.5x
$54
at 1.5x

Gas & EV Charging

$3,600 a year

Better of the two$68.4
at 1x
$54
at 1.5x

Dining & Restaurants

$3,600 a year

Better of the two$102.6
at 1.5x
$45
at 1.5x

Office Supplies

$3,000 a year

Better of the two$57
at 1x
$72Better of the two
at 3x

Phone, Internet & Cable

$2,400 a year

$68.4
at 1.5x
$27
at 1.5x

Hotels

$1,800 a year

Better of the two$51.3
at 1.5x
$54Better of the two
at 3x

Shipping & Courier

$1,800 a year

$51.3
at 1.5x
$27
at 1.5x

Accounting & Bookkeeping

$1,800 a year

Better of the two$34.2
at 1x
$18.48
at 1.5x

Other Foreign Currencies (EUR, GBP, etc.)

$1,230 a year

Better of the two$23.26
at 1x
$36Better of the two
at 3x

Electronics & Software

$1,200 a year

$22.8
at 1x
$18
at 1.5x

Air Canada

$1,200 a year

Better of the two$45.6
at 2x
$18
at 1.5x

Transportation

$1,200 a year

Better of the two$34.2
at 1.5x
$9
at 1.5x

Other Airlines

$600 a year

Better of the two$17.1
at 1.5x
$9
at 1.5x

Car Rental

$600 a year

Better of the two$17.1
at 1.5x
$9
at 1.5x

Other Travel

$600 a year

Better of the two$17.1
at 1.5x
$803.76

Rewards in a year

Better of the two$1,103.29

Welcome bonus

Each offer as the issuer words it, then which milestones your spending reaches.

WestJet RBC® World Elite Mastercard® for Business

  • Get up to 100,000 WestJet points* - up to $1,000 in travel value**
  • Receive 35,000 welcome WestJet points upon your first purchase
  • 10,000 welcome WestJet points up to twelve (12) weeks after your first purchase transaction date
  • 20,000 WestJet Bonus Points if a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date
  • An additional 25,000 WestJet points if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date
  • Plus 10,000 WestJet Anniversary Points up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening
  • Offer period: August 25 - November 30, 2026

TD® Aeroplan® Visa* Business Card

Up to $1,676 in value~ including up to 60,000 Aeroplan points could be yours with additional travel benefits. Conditions apply. Account must be approved, open and in Good Standing. Offer effective as of January 13, 2026.

  1. Earn a welcome bonus of 10,000 Aeroplan points when the Primary Cardholder3 make their first purchase with their new cardΓ
  2. Monthly Bonus of 2,500 Aeroplan points per month up to 30,000 Aeroplan points could be yours when the Primary Cardholder1 spends $2,500 in purchases each month for the first 12 months of Account approvalΓ
  3. PAP Bonus up to 20,000 Aeroplan Points earned when you set up new regularly recurring bill paymentsΓ
  4. Apply for the NEXUS program membership and once every 48 months get an application fee rebate (up to $100 CAD)16, share free first checked bags4 and get access to Maple Leaf Lounges9

WestJet RBC® World Elite Mastercard® for Business

Worth $900 at your spending

Receive 45,000 welcome WestJet points after your first purchase

45,000 pts

Earn 20,000 WestJet points when you spend $5,000 in the first 3 months

20,000 pts

Earn 20,000 WestJet points when you spend $5,000 in the first 3 months

25,000 pts

TD® Aeroplan® Visa* Business Card

Worth $950 at your spending

2,500 Aeroplan points per month when you spend $2,500+/month (up to 30,000 total)

30,000 pts

Up to 20,000 Aeroplan points for setting up pre-authorized payments within 6 months

20,000 pts

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$175

Annual fee

Better of the two$149
$75 (max 9)

Employee cards

$49
2.5%

Foreign transaction fee

2.5%
WestJet Rewards

Rewards

Aeroplan
Mastercard

Network

Visa

WestJet RBC® World Elite Mastercard® for Business

Interest rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Recommended credit score

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$80,000

Min Household Income:

$150,000

TD® Aeroplan® Visa* Business Card

Interest rates

Purchase:

14.99%

Cash Advance:

22.99%

Recommended credit score

300
Poor
560
Fair
660⁎
Good
725⁎
Very Good
760⁎
Excellent
⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

How each card earns

The earn rates and caps, as each issuer sets them.

WestJet RBC® World Elite Mastercard® for Business

  • Earn up to 6 WestJet points for every $1 spent on WestJet flights.1
  • Earn 3 WestJet points for every $1 spent on WestJet Vacations1 and Sunwing Vacations.1
  • Earn 3 WestJet points for every $1 spent on telecommunications, shipping and electronics purchases.2
  • Earn 1.5 WestJet points for every $1 spent on all other purchases.1

TD® Aeroplan® Visa* Business Card

  • Earn 2 points for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.6
  • Earn 1.5 points for every $1 you spend on eligible purchases for travel & transit, dining or electric vehicle charging and select business categories such as shipping, internet, cable and phone services made on your Card.6
  • Earn 1 point for every $1 you spend on all other eligible purchases on your Card.6
  • Earn points twice When you pay and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore.2

Insurance and perks

What both cards include comes first in each list.

WestJet RBC® World Elite Mastercard® for Business

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $500
  • car insurance

    Car Rental Damage & Theft

    $65,000 car MSRP up to 15 days
  • heart lock

    Common Carrier Travel Accident Insurance

    $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Travel Medical Insurance (64 & under)

    15 days (unlimited coverage)
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    3 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $2,000

Perks

  • star fall

    Status lift

    With instant access to Silver status until December 31 of the following year, you’ll receive benefits like lounge passes, priority check-in and boarding, plus two free checked bags(5,6,7). Silver status can be maintained by a minimum annual spend of $30,000 on the card.

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, must pay $32 USD per visit
  • gas station

    Gas Discount

    save 3¢/L on fuel and always earn 20% more Petro-Points at Petro-Canada and 20% more Avion points at Petro-Canada
  • discount

    Discount

    Add your credit card to your DoorDash account and get a 12-month complimentary DashPass subscription

TD® Aeroplan® Visa* Business Card

Insurance

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    Included up to 48 days
  • heart lock

    Common Carrier Travel Accident Insurance

    Up to $500,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Travel Medical Insurance (64 & under)

    Up to 15 days, for up to $2M
  • travel accident medical

    Travel Medical Insurance (65 to 75)

    Up to 4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

Perks

  • star fall

    Status lift

    Primary Business Cardholders(3) can get 1,000 SQC for every $20,000 in eligible net purchases charged to the card account, up to 25,000 SQC(21).

  • car rental

    Car Rental Discount

    Use your TD Credit Card to save a minimum of 10% off the lowest available base rates(17,18) in Canada and the U.S., and a minimum of 5% off the lowest available base rates(17,18) internationally, on qualifying car rentals at participating Avis and Budget locations.
  • luggage

    Free first checked bag

    For you and up to 8 companions
  • reward cup

    Extra points

    Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions apply.
  • border guard

    Nexus Program Rebate

    Up to $100 CAD every 48 months
  • alcohol cheers

    Airport Lounge - Maple Leaf and AirCanada Cafes

    The Primary Business Cardholder will earn a pass for every $10,000 of net purchases (less any returns and credits), up to a maximum of four passes a year. Passes can be used by the Primary Business Cardholder or Additional Cardholders and their guest, at select Maple Leaf Lounges in North America with a same day ticket on a departing Air Canada flight.

Our take

WestJet RBC® World Elite Mastercard® for Business

The WestJet RBC World Elite Mastercard for Business is a niche but powerful card for business owners who consistently fly WestJet, offering industry-leading earn rates on travel and select business categories plus instant Silver status that meaningfully upgrades the travel experience. It stands out for how quickly it accelerates both points and elite status, making it one of the strongest airline co-branded business cards in Canada. However, its value is tightly tied to the WestJet ecosystem, so it’s less compelling if you want flexible rewards or don’t primarily fly WestJet. Overall, it’s a high-upside, low-flexibility card best suited for loyal WestJet flyers.

  • Strong earn rates
  • Solid travel perks and insurance
  • Gas and food delivery discounts
  • Instant WestJet Silver status
  • Supplementary card fees
  • Foreign transaction fees
  • Rewards are largely locked into WestJet
  • Requires high income / business thresholds to qualify

TD® Aeroplan® Visa* Business Card

A well-rounded Aeroplan card that earns 2x on Air Canada purchases and 1.5x across travel, dining, transit, and common business categories. The real draw is the travel perks: free first checked bag, NEXUS application rebate, and Maple Leaf Lounge passes you can unlock through spending. At $149/year, it’s priced lower than most premium travel cards and delivers solid value if you fly Air Canada even a few times a year. If you rarely fly Air Canada or prefer flexible redemption, this card won’t justify itself — the rewards are built entirely around the Aeroplan ecosystem.

  • Generous welcome bonus
  • 2x points on Air Canada purchases
  • NEXUS application fee rebate
  • Maple Leaf Lounge guest passes
  • Base earn rate of 1x
  • $149 annual fee
  • Additional cards cost $49
  • Limited value if you rarely fly Air Canada

More business card comparisons

Each card against every other business card we review.

Legal


WestJet RBC® World Elite Mastercard® for Business

® / ™Trademark(s) of Royal Bank of Canada. RBC and Royal Bank are registered trademarks of Royal Bank of Canada.

‡All other trademarks are the property of their respective owner(s).


*This offer only applies to new applications for a WestJet RBC World Elite Mastercard for Business credit card received between August 25, 2026, and November 30, 2026 (“Offer Period”) and approved by Royal Bank of Canada (“Royal Bank”), subject to the conditions below. Only the primary business owner on the WestJet RBC World Elite Mastercard for Business credit card account (“Credit Card Account”) is eligible for the offer; any additional business owner(s) and cardholder(s), existing WestJet RBC World Elite Mastercard for Business cardholders as of the offer eligibility period, as well as existing cardholders of any RBC Business credit cards transferring to a WestJet RBC World Elite Mastercard for Business credit card as of the Offer Period, are not eligible for this offer.

You will receive 45,000 welcome WestJet points (“Welcome Points”) distributed as follows: 

• You will receive 35,000 welcome WestJet points upon your first purchase. The Welcome Points will appear on your monthly statement and in your WestJet Rewards account, accessible at westjet.com/account up to six (6) weeks after your first purchase transaction date. 

• You will receive 10,000 welcome WestJet points up to twelve (12) weeks after your first purchase transaction date, provided your first purchase is posted to your Credit Card Account within the first three (3) months from your Credit Card Account opening date. 

You will be eligible to receive up to 45,000 bonus WestJet points if you meet the conditions below:

You will receive 20,000 WestJet Points (“Bonus Points”) if (i) a total of $5,000 or more in qualifying net purchases and/or pre-authorized bill payment transactions (“Qualifying Transactions”) is posted to your Credit Card Account within the first 3 months from your Credit Card Account opening date (“3-month Period”). The Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 3-month Period. 

You will receive an additional 25,000 WestJet points (“Additional Bonus Points”) if a total of $15,000 or more in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date (“6-month Period”). The Additional Bonus Points will appear on your Credit Card Account monthly statement and your WestJet Rewards account approximately sixty (60) days after the 6-month Period.  

Qualifying Transactions exclude cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges and fees, and credits for returns and adjustments will reduce the amount of your Qualifying Transactions. The amounts of $5,000 and $15,000 are calculated based on the transaction posting date of each Qualifying Transaction, not the transaction date.  For example, this means that transactions that take place prior to the last day of the 3-month Period will not count toward the $5,000 if they have not yet been posted or processed by the merchant, the payment network (Mastercard) or Royal Bank by the last day of the 3-month Period. However, these Qualifying Transactions may count toward the $15,000 for the 6-month Period if they are posted to your Credit Card Account right after the 3-month Period.

For more clarity, the amount of $5,000 in Qualifying Transactions and the amount of $15,000 in Qualifying Transactions are not cumulative, meaning that if a total of $15,000 in Qualifying Transactions is posted to your Credit Card Account within the first 6 months from your Credit Card Account opening date, including $5,000 within the first 3 months, you’ll be eligible for the Bonus Points and the Additional Bonus Points, provided you meet all other conditions. However, if you do not spend $5,000 in Qualifying Purchases within the first 3 months of your Credit Card Account opening date, but spend a total of $15,000 in Qualifying Purchases in the first 6 months from your Credit Card Account opening date, you will not be eligible for the Bonus Points but you will be eligible to receive the Additional Bonus Points, provided you meet all other conditions. Only Qualifying Transactions made by the primary owner on the Credit Card Account count toward the amount of $5,000 and $15,000 in Qualifying Transactions. 

You will receive an additional 10,000 WestJet points (“Anniversary Points”) up to sixteen (16) weeks after the first-year anniversary of your Credit Card Account opening. 

The Welcome Points, Bonus Points, Additional Bonus Points and Anniversary Points will be awarded to your WestJet Rewards account, accessible at westjet.com/account, and appear on your monthly credit card statement, provided your Credit Card Account is open and in good standing at the time they are awarded to your WestJet Rewards account, “good standing” meaning that your Credit Card Account must not be past due for more than two (2) consecutive Credit Card Account statement periods, closed, charged off or in credit revoked status at that time.

If you close your Credit Card Account or change it for another type of RBC Royal Bank credit card before the Welcome Points, the Bonus Points, the Additional Bonus Points and/or the Anniversary Points have been awarded to your account, you may lose the benefit of the offer. This offer may not be combined or used in conjunction with any other offer. Royal Bank and WestJet reserve the right to modify, cancel or withdraw this offer at any time without notice, even after your application has been approved, including if we suspect that you may be manipulating or abusing it, or engaging in any suspicious or fraudulent activity, as determined by us in our sole discretion.

**Based on the redemption rate of 100 WestJet points for $1 CAD towards the payment of the base fare of an eligible flight or a WestJet Vacations package, 100,000 WestJet points have a redemption value of $1,000 towards an eligible flight or a WestJet Vacations package. For complete details, visit https://westjet.com/redeem.


1Earn 3 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations, and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC World Elite Mastercard for Business. The additional 1.5 WestJet points per $1 spent on eligible WestJet flights, WestJet Vacations and Sunwing Vacations (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded if WestJet, WestJet Vacations or Sunwing Vacations appears as the merchant on your monthly credit card statement. This means that if you purchase WestJet flights, WestJet Vacations or Sunwing Vacations from a travel agency or a third-party booking site, you may not be eligible for the additional 1.5 WestJet points per $1. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. If you are a Silver Member, you will earn 3 additional WestJet points per $1 spent on eligible WestJet flights (including base fares and surcharges, seat selection, checked bags and cabin upgrades purchases, but excluding taxes), which totals 6 WestJet points per $1 spent, when you pay with your WestJet RBC World Elite Mastercard for Business. The 3 additional WestJet points per $1 spent on eligible WestJet flights (i) are in addition to the 3 WestJet points per $1 you earn on eligible WestJet flights and are calculated separately, and (ii) will only be awarded (a) if WestJet appears as the merchant on your monthly credit card statement, (b) as long as you remain a Silver status member, and (c) within 30 days of completion of travel.


2Earn 3 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services purchased from merchants classified by the following eligible Mastercard’s Merchant Category Codes (“Eligible MCCs”) and 1.5 WestJet points per $1 spent on all other purchases when you pay with your WestJet RBC® World Elite Mastercard for Business‡.

Eligible MCCs are:

Telecommunications MCCs:

  • 4812 Telecommunication Equipment Including Telephone Sales
  • 4814 Telecommunication Services including, but not limited to, prepaid phone services and recurring phone services


Electronics MCCs:

  • 5045 Computers, Computer Peripheral Equipment, Software
  • 5732 Electronic Sales
  • 5734 Computer Software Stores


Shipping MCC:

  • 4215 Courier Services: Air and Ground, Freight Forwarders


The additional 1.5 WestJet points per $1 spent on Telecommunications, Electronics and Shipping services (i) are in addition to the 1.5 WestJet points per $1 you earn on all other purchases and are calculated separately, and (ii) will only be awarded on purchases made at merchants classified by an Eligible MCC.

Even though some merchants may sell Telecommunications, Electronics or Shipping services, purchases made at these merchants may not necessarily qualify for the additional 1.5 WestJet points per $1 if the merchant is not classified by an Eligible MCC. Also, merchants that are not classified by an Eligible MCC may be located on the premises of other vendors that are classified by an Eligible MCC, and purchases made at these merchants may not qualify for the additional 1.5 WestJet points per $1.

Royal Bank of Canada (“Royal Bank”) cannot guarantee that a merchant selling Telecommunications, Electronics or Shipping services is classified by an Eligible MCC and in no event will Royal Bank be liable or responsible for any claims with respect to purchases made at a merchant that is not classified by an Eligible MCC. WestJet points are earned on net purchases only; they are not earned on cash advances (including balance transfers, cash-like transactions and bill payments that are not pre-authorized charges that you set up with a merchant), interest charges or fees, and credits for returns and adjustments will reduce or cancel the WestJet points earned by the amounts originally charged. Royal Bank and WestJet reserve the right to cancel, modify or withdraw this benefit at any time.


3All WestJet points earned by all cardholders on a WestJet RBC® World Elite Mastercard for Business‡ account will be awarded to the primary business cardholder only, whether or not the primary business cardholder is a business owner, a signing authority or an employee.


4WestJet points can be used towards payment of: (1) WestJet-marketed base fares; (2) certain WestJet ancillaries, such as checked baggage, cabin upgrades and pre-reserved seats; (3) all taxes, fees and other ATC (Air Transportation Charges) on WestJet-marketed flights; (4) WestJet Vacations, eligible Sunwing Vacations or WestJet Vacations Quebec; (5) purchases from participating designated partners; and (6) purchases through the WestJet eStore. No retroactive redemption of WestJet points will be permitted. Minimum redemption of 2,500 WestJet points applies when purchasing UltraBasic, Economy, Premium and Business fares; the entire base fare and other Air Transportation Charges (Other ATC) must be paid with WestJet points when purchasing a Member Exclusive fare. A minimum redemption amount of 5,000 WestJet points per booking applies for WestJet Vacations bookings, Sunwing Vacations bookings or WestJet Vacations Quebec bookings. Other restrictions may apply and are subject to change at any time. Full details available at westjet.com/redeem(opens to external site).


5The primary cardholder on a WestJet RBC® World Elite Mastercard for Business‡ account (“Primary Business Cardholder”) will enjoy all the benefits of WestJet Silver status (“Silver Benefits”), starting within ten (10) days from their WestJet RBC® World Elite Mastercard for Business‡ account (“WestJet RBC Business Account”) approval date, until December 31st of the following calendar year (“First Year Silver Benefit”).

Once the First Year Silver Benefit expires, the Primary Business Cardholder will continue to enjoy the Silver Benefits for the next Qualifying Year (as defined below) if a total of at least $30,000 in Eligible Purchases (as defined below) was charged to their Eligible WestJet RBC Business Account in the preceding Qualifying Year (“Subsequent Silver Benefit”), and so on thereafter.

“Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the WestJet RBC Business Account, that appear on the Eligible WestJet RBC Business Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).

“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible WestJet RBC Business Accounts, it means the period between the first WestJet RBC Business Account’s monthly statement date, and December 31.

If, while enjoying the First Year Silver Benefit or a Subsequent Silver Benefit, a total of less than $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account during that Qualifying Year, the Primary Business Cardholder will lose the Silver Benefits starting on the following January 1st. Thereafter, each time at least $30,000 in Eligible Purchases is charged to their Eligible WestJet RBC Business Account at any time during a Qualifying Year, the Primary Business Cardholder will re-gain access to Silver Benefits starting on the first day of the following account statement period, and will enjoy the Silver Benefits until December 31st of the following Qualifying Year.

To establish if a minimum of $30,000 in Eligible Purchases was charged to a Eligible WestJet RBC Business Account in a Qualifying Year, we will look at the Eligible Purchases posted to the Eligible WestJet RBC Business Account until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $30,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $30,000 in Eligible Purchases for the current Qualifying Year. Eligible Purchases will reset to zero (0) at the beginning of each Qualifying Year.

First Year Silver Benefit and Subsequent Silver Benefit (i) are solely for the benefit of the Primary Business Cardholder whose Eligible WestJet RBC Business Account is open and in good standing, whether the Primary Business Cardholder is a business owner, a signing authority or an employee, (ii) are not transferrable, (iii) do not provide the Primary Business Cardholder with the 4,000 CAD in tier qualifying spend normally required to achieve Silver status, (iv) do not replace nor override any higher WestJet tier status the Primary Business Cardholder may otherwise be enjoying in accordance with the WestJet Rewards Program, and (v) are not available to existing or former WestJet RBC® World Elite Mastercard for Business‡ primary business cardholders, applying for or transferring to a WestJet RBC® World Elite Mastercard for Business‡.

For more information on the Silver Benefits, visit westjet.com/silver(opens to external site)

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com(opens to external site).


6Primary cardholders on a WestJet RBC World Elite Mastercard and/or WestJet RBC® World Elite Mastercard for Business‡ credit card account (“Eligible Cardholder(s)”) have access to an improved version of “Status Lift”, an annual benefit to help Eligible Cardholders achieve the Silver, Gold or Platinum status faster each year, by providing them a supplemental method to earn tier qualifying spend https://www.westjet.com/en-ca/rewards/terms-conditions(opens to external site).

Eligible Cardholders will earn the equivalent of 200 CAD in tier qualifying spend for every $5,000 in Eligible Purchases (as defined below) (“Status Lift”) charged to their WestJet RBC World Elite Mastercard and/or WestJet RBC® World Elite Mastercard for Business‡ credit card account (each, an “Eligible RBC World Elite Account”) during a Qualifying Year (as defined below). Status Lift(s) will be added to their other tier qualifying spend and count towards reaching their next WestJet Rewards tier. If an Eligible Cardholder has two (2) Eligible RBC World Elite Accounts, the Eligible Purchases (as defined below) made with both accounts will be combined towards reaching the $5,000 in Eligible Purchases. “Eligible Purchases” means the total of net purchase transactions, made by all cardholders on the Eligible RBC World Elite Account, that appear on the Eligible RBC World Elite Account monthly statements prepared during a Qualifying Year (as defined below), minus returns, other credits, fees, interest charges, and cash advances (such as balance transfers, cash-like transactions and bill payments that are not pre-authorized charges set up with a merchant).

“Qualifying Year” means January 1 to December 31 of each calendar year. For new Eligible RBC World Elite Accounts, it means the period between the first Eligible RBC World Elite Account’s monthly statement date, and December 31.

A Status Lift may be awarded up to fifty (50) times per Qualifying Year, which is equivalent to 10,000 CAD in tier qualifying spend. A Status Lift will be awarded approximately ten (10) business days after the monthly statement date for which the $5,000 in Eligible Purchases is reached.

For each Qualifying Year, Status Lifts are awarded based on the total Eligible Purchases posted to an Eligible RBC World Elite Account(s) until the December monthly statement date (that is the date the statement is prepared). This means that some purchases made in December may not count towards the $5,000 in Eligible Purchases for that Qualifying Year. For example, if monthly statements are prepared on the 27th day of each month and a purchase is made on December 28, the transaction will be posted to the January monthly statement and will not count towards the $5,000 in Eligible Purchases for the current Qualifying Year. Status Lift(s) and Eligible Purchases will reset to zero (0) at the start of each Qualifying Year.

For an Eligible Cardholder to earn a Status Lift, their Eligible RBC World Elite Account must be open and in good standing at the time the Status Lift is awarded. If an Eligible RBC World Elite Account is closed before the end of a Qualifying Year, WestJet reserves the right to remove any Status Lift(s) and/or tier upgrade(s) the Eligible Cardholder may have received through this benefit. 

Tier qualifying spend earned through Status Lift have no monetary or other exchange value and cannot be sold or transferred. 

WestJet and Royal Bank of Canada reserve the right to change or withdraw the Status Lift benefit at any time. 

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Rewards Program (“Program”), the terms of the Program (including earning, redemption and administration of WestJet points), Program changes and providing Silver Benefits to eligible Primary Business Cardholders. For full Program terms and conditions, visit www.westjet.com(opens to external site).


7Mastercard Travel Pass, provided by DragonPass, is being provided as a benefit to cardholders with eligible and valid WestJet RBC® World Elite Mastercard for Business‡. Each eligible World Elite Mastercard cardholder is entitled to a complimentary membership to DragonPass Airport Lounges Program (as long as they remain a World Elite Mastercard for Business cardholder). Cardholders must enroll for this benefit through downloading the Mastercard Travel Pass app and register at https://mastercardtravelpass.dragonpass.com/(opens to external site) using their eligible Credit Card. Enrollment for the Program must be completed using the Cardholder’s First and Last Name as set out on their respective Passport (or other government issued ID used for travel within Canada), as it will be required for verification when the Cardholder is attempting to access a participating lounge. All lounge visits, for the Cardholder and their accompanying guests, are subject to a fee of $32 USD (subject to change) per person, per visit. Applicable lounge access charges will be billed to the Eligible Credit Card connected to the Cardholders' Program membership. Membership includes access to any airport lounge participating in the Program. Once the Cardholder has enrolled in the Program, the Cardholder may use one of three (3) ways to access their lounge benefits: (i) present their valid Eligible Credit Card; (ii) show their digital membership card and QR Code within the Program App or Website; (iii) present their printed or emailed e-Certificate containing the membership card and QR Code. The Program membership will be suspended if the Eligible Credit Card is cancelled or inactive, is no longer linked to the Program membership, or if the Eligible Credit Card is no longer a product participating in the Program. It is the responsibility of the Cardholder to ensure their Eligible Credit Card details are updated within the Program if there are any changes. If the Cardholder is using a printed or emailed e-Certificate as their method of lounge access, they will need to obtain a new e-Certificate if there are any changes to their Eligible Credit Card details. Unless suspended or cancelled, the Program membership will automatically renew annually on the anniversary date (i.e. when the Cardholder enrolled in the Program). The Program membership may be suspended if your Eligible Credit Card is no longer in good standing. To view a full list of participating airport lounges, their facilities, opening times and restrictions, Cardholders can visit the Program App and Website for more information. Enrolled Cardholders are subject to Terms and Conditions for the Global Airport Lounge Access Program and the individual lounge operators’ terms of use for the participating lounges visited, available through the Program App and Website. The Program Terms and Conditions will also be sent to the Cardholder via email once enrollment is complete. In addition to lounge access, enrollment in the Program will also allow cardholders to access additional benefits and offers. To view a full list of benefits and offers available for the Cardholders’ Eligible Credit Card, Cardholders can visit the Program App and Website for more information. Cardholders who participate in or use any of the benefits or offers presented through the Program are subject to the relevant Terms and Conditions for the applicable benefit or offer, as outlined in the Program App and Website. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Mastercard’s Privacy Notice. By enrolling in the Program and using the benefits and offers presented through the Program, the Cardholder acknowledges that DragonPass may share Cardholders’ Program data with Mastercard and/or Royal Bank of Canada (“RBC”) in order to facilitate the Program, subject to Mastercard and RBC’s own privacy policies. The Program services and benefits are provided by DragonPass and applicable third party offer providers, and neither Mastercard nor RBC is responsible for any claims or damages arising from participation in the Program. Mastercard reserves the right to modify or cancel this Program at any time and without prior notice. For full terms and conditions, visit https://mastercardtravelpass.dragonpass.com/terms-and-conditions(opens to external site)


8The primary cardholder on a WestJet RBC World Elite Mastercard for Business account (“Primary Business Cardholder”) will be automatically enrolled in the WestJet Biz Program Tier 1 (“Program”), starting within ten (10) business days from their WestJet RBC World Elite Mastercard for Business (“WestJet RBC Business”) account approval date, until December 31st of the following calendar year (“Offer Period”).

Once the Offer Period expires, the Primary Business Cardholder will continue to be eligible for the Program until the following December 31 if at least one (1) WestJet flight, booked through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), was purchased using to their WestJet RBC Business card during the Offer Period.

Thereafter, the Primary Business Cardholder will continue to be eligible for the Program until the following December 31 if at least one (1) WestJet flight, booked through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), was purchased using their WestJet RBC Business card during the preceding calendar year, and so on.

If the Primary Business Cardholder does not book least one (1) WestJet flight through the WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site) using their WestJet RBC Business card during the Offer Period or a subsequent calendar year, as applicable, the Primary Business Cardholder will no longer be eligible for the Program starting on the following January 1st, the standard WestJet Biz Program will apply going forward, and the Primary Business Cardholder will not be able to re-gain access to the Program.

If the Primary Business Cardholder closes their WestJet RBC Business card, the Primary Business Cardholder will no longer be eligible for the Program starting within ten (10) days from their WestJet RBC Business card closure date, and the standard WestJet Biz Program will apply going forward. In order to take advantage of the WestJet Biz Program discounts and tracking, all business travel bookings are required to be completed via WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site).

Prior to making a booking in WestJet Biz booking channel https://westjetbiz.westjet.com/login.html(opens to external site), your company must agree to the WestJet Biz Program Terms and Conditions, which are available upon first registration.

All canceled flights with nonrefundable credits will be placed into a Corporate Travel bank.

Booking made and tickets purchased by the Company with the discounts shall be for the sole use of company employees travelling on Company business and paid by the Company.

Discounts provided under this program do not apply to fees, taxes, surcharges, WestJet Vacations packages or group bookings made through the WestJet Group Sales Department.

Discounts do not apply to interline or code-share flights, except for Delta Air Lines flight booked through the WestJet Biz booking tool.

WestJet, not Royal Bank of Canada, is solely responsible for the WestJet Biz Program/Tier 1. For more information, and for terms and conditions, please visit: https://westjetbusinesstravel.com/(opens to external site)


9Valid from 10/01/2024 and can be redeemed once per calendar year. Eligible World Elite Mastercard cardholders and Mastercard World Elite for Business cardholders* can redeem a FlexiRoam eSIM and a 3x1GB global** data roaming plan at no additional cost by using your eligible Mastercard payment card (the "Program Benefit"). Eligible cardholders will need to register by creating a FlexiRoam account. To determine eligibility, enter your full 16-digit Mastercard card number when prompted in the FlexiRoam Mobile Application on the FlexiRoam landing page/browser. Upon verification of your eligibility, you must complete the full enrolment process to utilize the Program Benefit. For subsequent purchases, a 15% discount will be automatically applied.

The FlexiRoam eSIM and the 3x1GB global data roaming plans must be activated within the calendar year following enrollment and each will be valid for 5 days from the date of activation.

Benefit can only be redeemed once. For subsequent purchases, a 15% discount will be automatically applied.

Terms, conditions, pricing, special features and service and support options subject to change or cancellation without notice. Mastercard reserves the right to modify or cancel this Program Benefit at any time without notice. In order to redeem the Program Benefit, you acknowledge that you are entering into an agreement with FlexiRoam. By agreeing to the terms thereof, you acknowledge and agree that neither Mastercard nor any participating financial institution card issuer has any involvement or responsibility for the provision of any FlexiRoam benefit, subscription, products or services, and are not responsible for any claims or damages arising from their use thereof.

This Program Benefit is non-transferable and may be terminated for any breach of the FlexiRoam terms and conditions. The offer cannot be combined with any other FlexiRoam offer. Your use of the Program Benefit is subject to FlexiRoam’s terms and conditions and other applicable legal terms and conditions available at https://www.FlexiRoam.com/terms-and-conditions/(opens to external site). Additional eligibility restrictions, exclusions, and terms apply. See full terms and conditions.

*The following cards issued in Canada: World Elite Mastercard and Mastercard World Elite for Business if eligible. Check here for eligibility: mastercard.FlexiRoam.com/canada(opens to external site).

**Cardholders cannot data roam using FlexiRoam in North Korea, Ukraine, Western Sahara & Tanzania

For more information about the benefit https://mastercard.flexiroam.com/en/Canada(opens to external site)


10All insurance is subject to terms, conditions, limitations, and exclusions. Please refer to the insurance certificate included in your Welcome Kit for complete details or visit westjet-world-elite-business-mastercard-insurance-and-protection.pdf


11Coverages are underwritten by RBC Insurance Company of Canada and by Aviva General Insurance Company.


12Under 65 years of age, 15 days of coverage. For age 65 and over, 3 days of coverage. Coverage underwritten by RBC Insurance Company of Canada.


13Trip Cancellation insurance is subject to a limit of $1,500 for each Covered Person (to an overall maximum of $5,000 for all Covered Persons) per trip, and it protects eligible cardholders against the cost of non-refundable prepaid travel arrangements that were purchased with your WestJet RBC® World Elite Mastercard for Business‡ card, and/or WestJet points, if the trip is cancelled prior to your departure due to an unexpected or unforeseen covered risk. Trip Interruption insurance is subject to a maximum limit of $5,000 for each Covered Person, per trip, for a total maximum of $25,000. This coverage provides reimbursement for the non-refundable unused portion of your prepaid travel arrangements purchased with your WestJet RBC® World Elite Mastercard for Business‡ card, and/or WestJet points and interrupted, due to a covered risk, including the extra costs of economy class transportation to your departure point. Please refer to the Insurance Certificate for complete details regarding these coverages. Coverage underwritten by RBC Insurance Company of Canada.


14Coverage underwritten by RBC Insurance Company of Canada.


15Coverage underwritten by Aviva General Insurance Company.


16RBC Mobile is operated by Royal Bank of Canada, RBC Direct Investing Inc. and RBC Dominion Securities Inc.


17Cash advances, including cash withdrawals from an ATM, can be made up to your available credit and daily limits. There is no interest-free period for cash advances, which means that interest is charged from the day the cash advance is made until we receive your payment for the total amount you owe. Cash advance fees may apply depending on the type of cash advance. Please refer to your RBC Royal Bank Business Credit Card Agreement for more details.


18To participate in this offer, you must have an RBC debit or credit card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“Eligible RBC Card”). When you participate in the Linked Loyalty Offers as a Business RBC Client, you will only be able to link up to two (2) Eligible Business RBC Credit Cards and one (1) RBC Client Card to a Petro-Points Account. You must be enrolled in RBC Online Banking for business in order to link your Eligible RBC Card to your Petro-Points card. Card linking may take up to two (2) business days to process before savings and bonus points can be applied to purchases. Each time you use your linked Eligible RBC Card to purchase any grade of gasoline, including diesel, at a retail Petro-Canada location, you will save three cents ($0.03) per litre at the time of the transaction. For more information, visit rbc.com/linkbusiness(opens new window).


19To participate in this offer, you must have an eligible RBC Debit Card, Personal Credit Card or Business Credit Card which is issued by Royal Bank of Canada (excluding RBC commercial credit cards) (“RBC Card”). An “Eligible RBC Credit Card” is any RBC personal credit card, excluding RBC Avion Visa Infinite Business‡, RBC Visa CreditLine for Small Business™, RBC Visa Business, RBC Business Cash Back Mastercard‡ and RBC Avion Visa Business. RBC Business Owners will only be able to link up to two (2) Business Credit Cards and one (1) RBC Debit Card to a Be Well Card. For complete details, including the definition of the capitalized terms used in the disclosures below, please see full Terms and Conditions at rbc.com/rexallterms(PDF). You must be enrolled in RBC Online Banking in order to link your RBC Card to your Be Well Card. Card linking may take up to two (2) business days to process before Be Well points can be applied to purchases. Each time you scan your Be Well Card and pay with your Linked RBC Card, you will earn 50 Be Well points for every $1 spent on eligible purchases at Rexall Locations. For full details and defined terms, visit Be Well Terms and Conditions available at letsbewell.ca/terms-conditions(opens to external site). Be Well points are not awarded on taxes, tobacco products, products containing codeine, lottery tickets, alcohol, bottle deposits, gift cards, prepaid cards and wireless or long distance phone cards, event tickets, transit tickets and passes, post office transactions, stamps, passport photos, cash back, gifts with purchases, delivery charges, environmental levies, Home Health Care services/rentals and any other products or services that we may specify from time to time or where prohibited by law.


20To receive a complimentary DashPass subscription for $0 delivery fees on orders of $15 or more at eligible restaurants when you pay with your WestJet RBC® World Elite Mastercard for Business‡, you must subscribe to DashPass by adding your WestJet RBC® World Elite Mastercard for Business‡, accept the DoorDash terms and conditions, and activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms(PDF). If you are an existing DashPass subscriber and have already added WestJet RBC® World Elite Mastercard for Business‡to your account, you must activate your benefit by clicking “Activate Free DashPass”. For full program details visit rbc.com/doordashterms(PDF). If you have been charged for DashPass, you will receive a refund to the method of original payment, in the amount of the monthly subscription fee for the month you activate your complimentary subscription. For all clients, by clicking on “Activate Free DashPass”, you agree to the DoorDash terms and conditions, which can be found at rbc.com/doordashterms(PDF). Eligible RBC Credit cardholders include primary cardholders, co-applicants, authorized users, primary business cardholders and secondary business cardholders on your WestJet RBC® World Elite Mastercard for Business‡ account. The DashPass monthly subscription fee will be waived (“Complimentary DashPass Subscription”) and you will receive a 12 month Complimentary DashPass Subscription. DashPass subscriptions purchased through third parties, including third-party payment accounts, or online or mobile digital wallets (like Apply Pay and Google Pay) are not eligible for the Complimentary DashPass Subscription. Your WestJet RBC® World Elite Mastercard for Business‡may only be used with one DoorDash account to receive a Complimentary DashPass Subscription. Once you have received a Complimentary DashPass Subscription, you cannot use the same WestJet RBC® World Elite Mastercard for Business‡ to obtain a Complimentary DashPass Subscription with another DoorDash account. You are only eligible for one 12 month Complimentary DashPass Subscription during the Offer Period. The Complimentary DashPass Subscription commences on the date you subscribe to receive the Complimentary DashPass Subscription. In order to validate your credit card as an Eligible RBC Credit Card, Royal Bank may need to administer a $0.50 charge to validate your card enrollment. This charge will be reversed in 3 to 5 days once your account has been validated. You will be auto-enrolled in the full-price membership at the then-current rate after the end of the 12 month Complimentary DashPass Subscription. WestJet RBC® World Elite Mastercard for Business‡ credit card account must be open and not in default to maintain the benefits of DashPass. DoorDash not Royal Bank of Canada, is responsible for (i) services and products provided through DoorDash; (ii) DashPass, including the DashPass Benefits, the administration of DashPass; and (iii) the DoorDash terms and conditions. The Complimentary DashPass Subscription offer may be amended or withdrawn at any time. To learn more about DashPass, visit doordash.com/dashpass(opens to external site). For full DashPass for RBC Program Terms and Conditions, visit rbc.com/doordashterms(PDF).


21DashPass is a DoorDash subscription service that offers unlimited deliveries for $0 delivery fee on eligible restaurant purchases (minimum order amount of $15.00 CAD before taxes and fees) at a monthly subscription fee of $9.99 CAD plus tax. To learn more about DashPass visit www.doordash.com/dashpass


22Provided the WestJet ID attached to your personal and business cards is the same.


24Within the Economy cabin, the Member Exclusive Economy is discounted off the Econo fare bundle. Within the Premium cabin, the Member Exclusive Premium is discounted off the Premium fare bundle. Within the Business cabin, the Member Exclusive Business is discounted off the Business fare bundle. Member Exclusive fares are not discounted off the following fare bundles: UltraBasic, EconoFlex, PremiumFlex and BusinessFlex.


25To be eligible for the WestJet RBC World Elite Mastercard for Business credit card, you must meet one (1) of the four (4) following requirements: (1) a minimum annual individual income of $80,000 or household annual income of $150,000, (2) a minimum annual business revenue of $250,000, (3) a minimum spend of $25,000 on purchases that are eligible for a direct payment through a credit card, or (4) minimum assets under management (AUM) of $400,000. If you do not meet at least one (1) of these minimum requirements or do not qualify for any other reason, Royal Bank of Canada will not consider your application for the WestJet RBC World Elite Mastercard for Business credit card. For complete details on the features of the WestJet RBC World Elite Mastercard for Business credit card, please visit rbc.com/westjetbusiness(opens new window) or call 888-914-3839.


Refer to RBC page for up to date offer terms and conditions. The Website may engage in affiliate marketing, which is done by embedding tracking links into The Website. If you click on a link for an affiliate partnership, a cookie will be placed on your browser to track any sales for purposes of commissions.

TD® Aeroplan® Visa* Business Card

Interest rates, fees and features are effective as of January 13, 2026, unless otherwise indicated, and are subject to change.

To qualify for this offer, applications for a new TD® Aeroplan® Visa* Business Card Account must be approved, open and in Good Standing while this offer is in effect. Offer effective as of January 13, 2026.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

~ Offer Effective as of January 13, 2026. The value up to $1,676 could be earned in the first year of Account is based on the combined total value of:

  • $140: Free first checked bags for two people, on a round-trip flight in the first year
  • $100: The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. Limitations apply, please see TD® Aeroplan® Visa* Business Cardholder Agreement and Benefit Coverages Guide for details. 16
  • $236: Maple Leaf Lounge One-Time Guest Passes in North America ($236 based on up to four passes at $59 each for each $10,000 in eligible spend).
  • $1200: 60,000 Aeroplan Points could be earned based on the following requirements:
    • Welcome Bonus of 10,000 Aeroplan Points earned when a Cardholder who is the Individual Borrower makes their first purchase with the card.
    • PAP Bonus up to 20,000 Aeroplan Points earned when you set up new regularly recurring bill payments. 
    •  Monthly Bonus of 2,500 Aeroplan Points per month ("Monthly Bonus") (up to a total maximum of 30,000 Aeroplan Points) earned when a Cardholder who is the Individual Borrower spends at least $2,500 in net purchases each month during the first 12 months after Account approval. To qualify for the Monthly Bonus, must have at least $2,500 in net purchases posted to your Account each month by the last day of each monthly billing period.

Value is based on the majority of current Aeroplan cardholders receiving a value of $0.02/points or more when redeeming for a flight as of September 1, 2025. Redemption calculation is based on actual flight redemptions made by cardholders between the period of November 8, 2020 – September 1, 2025.

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.

Γ Effective as of January 13, 2026. To be eligible for this Offer, the Cardholder who is an Individual Borrower must: (i) be approved for a TD® Aeroplan® Visa Business Card  account (“Account”) with an Annual Fee of $149 ("Account") while this Offer is in effect, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business] in the last 12 months.  Even if TD approves your application for an Account, the award and issuance of any Aeroplan points pursuant to this Offer is subject to the Aeroplan program general Terms and Conditions located at aircanada.com/Aeroplan-termsandconditions, which provide that incentive or bonus Aeroplan points offered (including, for example, the Welcome Bonus, Monthly Bonus and PAP Bonus in this Offer) to become an Aeroplan credit cardholder and/or to activate, use or hold a new Aeroplan credit card may not be issued and may be revoked in certain circumstances including, but not limited to, if you have previously received welcome or other incentive Aeroplan points in connection with the opening, activation, use or holding of a new Aeroplan credit card account with TD or another issuer of the same card category type  as the Account.

Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Cardholder who is the Individual Borrower of the Account only after the first Purchase is made on the Account. The “Cardholder” means the Individual Borrower of the Account who is issued the TD® Aeroplan® Visa* Business Card account with an Annual Fee of $149.

To qualify for a monthly bonus of 2,500 Aeroplan points ("Monthly Bonus"), the Cardholder who is the Individual Borrower must have at least $2,500 in net Purchases posted to their Account each month by the last day of each monthly billing period in the first 12 months after Account approval, up to a total maximum of 30,000 Monthly Bonus Points. Once you have earned 30,000 Monthly Bonus Points in the first 12 months following Account approval, you will no longer be eligible for additional Monthly Bonus Points. Purchases made during a billing period but posted after the end of that billing period will not count toward eligible Purchases for that month but will count toward eligible Purchases for the next billing period. For example, if your monthly billing period is from September 15 to October 14, a Purchase that is made on October 14 (transaction date) and posts on October 15 (posting date) will not count as an eligible Purchase for that month but will count towards spend in the next month's billing period. If the September 15 to October 14 period was your 12th monthly billing period, then the Purchase that was made on October 14 and posted on October 15 would not count toward this Offer.

The PAP Bonus of up to 20,000 Aeroplan Points Recurring Bill Payment Promotional Offer ("PAP Bonus"), only applies to TD® Aeroplan® Visa* Business Card accounts (the “Account”) that are open, active, in good standing while this Offer is in effect and have set up Eligible Recurring Bill Payments set up on the Account within 6 months of Account approval. The Individual Borrower Cardholder can earn up to 20,000 Aeroplan points depending on the number of Eligible Recurring Bill Payments set up on the Account within 6 months of Account approval. The Recurring Bonus is calculated as follows: (i) 10,000 bonus Aeroplan points for 1 new Eligible Recurring Bill Payment, or (ii) 20,000 bonus Aeroplan points for two new Eligible Recurring Bill Payments. "Eligible Recurring Bill Payments” consist of a maximum of two new bill payments that are classified as recurring by the merchant through the Visa network and set up on the Individual Borrower Business Cardholder's Account that are registered and charged to the Account within 6 months of Account approval. Eligible Recurring Bill Payments already set up on the Account prior to January 13, 2026, are not eligible for the PAP Bonus Offer. Please allow eight - twelve weeks after the 6 month Offer Period and for the Eligible Recurring Bill Payment to be registered and charged to the Account for the Recurring Bonus to be applied to your Account.

TD reserves the right to: (i) limit the number of credit card accounts opened by one person, (ii) limit the number of points available under this Offer for the Welcome Bonus, Monthly Bonus and PAP Bonus, and (iii) terminate or suspend, in whole or part, or modify this Offer in any way at any time.  This Offer cannot be combined with any other Offer unless otherwise indicated. The Account must be in good standing at the time the Welcome Bonus, Monthly Bonus and PAP Bonus are issued by Aeroplan. Please allow up to 8-12 weeks after the conditions for each element of this Offer are fulfilled for the Welcome Bonus, Monthly Bonus and PAP Bonus to be issued by Aeroplan and credited to the Aeroplan member account linked to the Account, which must belong to a Cardholder who is an Individual Borrower. Closing the Account or transferring to another TD credit card account may result in forfeiture of any bonus points not yet awarded under this Offer.

1 Business and business owner(s) are responsible for all transactions made on all accounts issued in the name of the business, including those made by Additional Cardholders.

2 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

3 "Primary Business Cardholder" means the individual who is issued the TD Aeroplan Visa Business Card with an annual fee of $149. Applicable airline benefits will be awarded to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business.

4 Free First Checked Bag A Primary Business Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Free first checked bag benefit is applicable only when the bag is checked in at the designated check-in counter, prior to security. Bags checked in at the gate are not eligible for this benefit. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions.

5 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 15-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with.

6 Purchase of Travel & Transit or Dining or Air Canada Products, or Purchases of Shipping, Internet, Cable, Phone Services, and Electric Vehicle Charging means a Purchase of travel or transit  related services, or a Purchase of dining items including those at restaurants, or a Purchase from Air Canada or of any of Air Canada’s products and services, or a Purchase of shipping, internet, cable, phone services and electric vehicle charging used for your business, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant In the “Travel & Transit” or “Dining” or “Air Canada” or “Shipping, Internet, Cable, Phone Services, and Electric Vehicle Charging” category. Aeroplan points are earned on Purchases charged to the Account as follows:

  • 2 Aeroplan points (Air Canada Bonus Rate) earned for each $1 in Purchases of Air Canada Products; or
  • 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Travel & Transit (not including Air Canada Purchases) or Dining Products or Purchases of Shipping, Internet, Cable, Phone Services , and Electric Vehicle Charging; or
  • 1 Aeroplan point earned for each $1 in all other business Purchases.
  • Air Canada Bonus Rate and Bonus Rate are earned only on a maximum annual amount of $80,000 of Purchases of Air Canada Products, Travel & Transit or Dining Products, or Purchases of Shipping, Internet, Cable, Phone Services or Electric Vehicle Charging.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Travel & Transit, Dining or Air Canada Products or Purchases of Shipping, Internet, Cable, Phone Services, or Electric Vehicle Charging. If you have earned Aeroplan points on the maximum annual amount of Purchases of Travel & Transit, Dining or Air Canada Products, or Purchases of Shipping, Internet, Cable, Phone Services, or Electric Vehicle Charging charged to your Account or if your Purchase does not qualify as a Purchase of Travel & Transit, Dining or Air Canada Products, or a Purchase of Shipping, Internet, Cable, Phone Services, or Electric Vehicle Charging you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Air Canada Bonus Rate and Bonus Rate are in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

7 Cashback provided as statement credits on future statement. Transaction must be processed through Visa. Visa SavingsEdge is a Small Business loyalty and discount program offered by Visa Canada Corporation to eligible businesses and their authorized Cardholders that hold an eligible Visa Business Card. Visa Small Business Cardholders can receive savings through two types of discount offers: Instant Coupons and Cashback. With Instant Coupons, Cardholders may receive a discount at the time of purchase by using an applicable coupon code or link from a participating Merchant. A linked Card is not required for Cardholders to use Instant Coupons. With Cashback Offers, Cardholders must link (enroll) their eligible Card in the Program and use their linked Card to make qualifying purchases of goods or services pursuant to an active Cashback Offer provided by a participating Merchant, and that transaction must be processed or submitted through the Visa payment system (a “Qualifying Purchase”). Visa reserves the right to determine in its sole discretion whether a Visa Business Card transaction is a Qualifying Purchase. Please see the program terms & conditions for additional restrictions. For Cashback Offers, discounts are provided in the form of credits posted to the Cardholder’s applicable Visa Business Card account. Visa may modify, restrict, limit, change or cancel the program in any way and at any time. Visa also reserves the right to suspend or cancel any Cardholder’s participation in the program. Offers may be subject to additional terms and conditions and are subject to applicable law. Offers may be removed from the program at any time and are subject to availability. Please visit www.visasavingsedge.ca for complete details on the program. ©2025 Visa. All rights reserved.

8 Preconditions/General T&Cs  Please ensure that you provide your own personal Aeroplan number to be linked to your credit card as linking a different loyalty number is prohibited. This Aeroplan number must be included on the qualifying reservation to access the airline benefits. The name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their own personal Aeroplan number must be linked to a valid credit card account as verified by the bank that issued your Aeroplan credit card. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated.  Aeroplan member accounts of the Primary Business Cardholder and Additional Cardholder(s) must be in good standing to enjoy their credit card benefits.  Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

9 The Primary Business Cardholder is entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) for every $10,000 in net purchases charged to the Primary Business Cardholder account (less any returns and credits) within an account year (being each consecutive 12-month period starting when the annual fee is charged) up to a maximum of 4 Guest Passes in an account year per Aeroplan Account. All net spend by Additional Cardholder(s) will count towards the spend of the Primary Business Cardholder as long as they are associated with the same Aeroplan Account. All earned Guest Passes will be deposited up to 2 weeks following the cardholder renewal year. Each Guest Pass will expire twelve (12) months from the date of issuance. One Guest Pass may be used for single admittance by the Primary Business Cardholder, Additional Cardholder(s), or any guest(s) accompanying any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Air Canada Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude international Air Canada Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering an Air Canada Maple Leaf Lounge using a Guest Pass must be accompanied by the Primary Business Cardholder or Additional Cardholder. Anyone under the age of majority entering an Air Canada Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Air Canada Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. Unused Guest Pass will automatically be cancelled on the date the credit card is closed, or if the credit card is changed to a different product. See all Air Canada Maple Leaf Lounges Terms and Conditions that apply.

10 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

11 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

12 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

13 Underwritten by TD Home and Auto Insurance Company. Car Rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may not permit you to decline their CDW coverage. It is important to call the rental agency before booking your car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Card Cardholder Agreement for rental exclusions and further details.

14 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the trade name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

15 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

16 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS program membership application fee (new and renewal), whether or not the applicant is approved for membership in the NEXUS program (each, a "NEXUS Statement Credit"). There is a maximum of four (4) NEXUS Statement Credits available when a qualifying NEXUS program membership application fee is posted to the Account in any given 48-month period and the number of available NEXUS Statement Credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS program membership application fee is posted to your Account. The 48-month period starts when the first qualifying NEXUS program membership application fee is posted to the Account. To be eligible for the NEXUS Statement Credit, the Account must be in good standing at the time the NEXUS program membership application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not involved with or responsible for the NEXUS program.

17 Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

18 Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

19 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

20 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.

21 Threshold Benefit: Aeroplan Elite Status Qualification Boost
For every $20,000 in net purchases (less any returns and credits) (the "Purchase Threshold") charged to a TD Aeroplan Visa Business credit card, Primary Cardholders can receive 1,000 Status Qualifying Credits ("SQC") up to a combined total maximum of 25,000 SQC per Aeroplan Member per calendar year for all SQC that may be awarded to that Aeroplan member in connection with any Aeroplan credit card held by that Aeroplan member, regardless of credit card issuer (the "Annual Credit Card Maximum").  The Annual Credit Card Maximum is tracked by Aeroplan.  For certainty, the Annual Credit Card Maximum only applies to SQC that is awarded to an Aeroplan Member in connection with any Aeroplan credit card and Aeroplan Members may be awarded Status Qualifying Credits through other eligible activities in accordance with the Aeroplan Elite Status Terms and Conditions.

Subject to the Annual Credit Card Maximum, SQC will be awarded to the Aeroplan Member's account at the end of the next credit card account billing period after the Purchase Threshold is met. Please allow up to 1 week after your credit card account statement date for the SQC to appear in the Aeroplan Member’s account.  Additional Cardholder(s) are not eligible to receive SQC through this benefit; however, net purchases charged by Additional Cardholders will count towards the Primary Cardholder’s net purchases and SQC eligibility.

SQC are not redeemable towards Aeroplan rewards and only count towards Aeroplan Elite Status qualification. SQC cannot be exchanged and do not count towards Million Mile status.  

Aeroplan reserves the right, at any time and at its sole discretion, to reverse, revoke or rescind SQC, Elite Status and associated benefits in the event of misuse of this benefit.

Aeroplan Elite Status is offered by Air Canada. All Aeroplan Elite Status terms and conditions apply. The Toronto-Dominion Bank has no responsibility or liability for Aeroplan Elite Status.

22 Primary Cardholders of a TD Core Credit card (TD® Aeroplan® Visa Business* Card and TD® Aeroplan® Visa Infinite* Card) are eligible to enroll for Avis Preferred Plus status. Enrollment into the Avis President’s Club status is required by completing the Aeroplan form here, and the status will be in effect immediately but may take up to 7 business days after enrollment registered by Avis to appear on your Avis Preferred® profile.

Additional Cardholders do not qualify for Avis Preferred Plus status unless they hold 25K, 35K or 50K status in the Aeroplan EliteTM Status Program. For full terms and conditions, please visit https://www.aircanada.com/ca/en/aco/home/aeroplan/partners/avis.html#/

24 Your points will not expire provided that you are the Primary Cardholder of a TD Aeroplan credit card and your Aeroplan account is in good standing under the Aeroplan Terms and conditions (aircanada.com/aeroplan-termsandconditions).

25 Subject to current $250 limit for point-of-sale transactions. Certain tr ansactions may not be completed outside of Canada and in-app availability may be limited. Certain merchants may set their limit under $250. Please check with the merchant about the limit before using Apple Pay, Google Pay or Samsung Pay.

Please visit www.apple.com/ca/apple-pay/ for a complete list of Apple Pay compatible devices, https://pay.google.com/intl/en_ca/about/ for a complete list of Google Pay compatible devices, and www.samsung.com/ca/apps/samsung-pay/ for a complete list of Samsung Pay compatible devices.

26 Top-up or Extension coverage is provided by the TD Travel Medical Insurance Single Trip Plan (Single Trip Plan) and/or TD Trip Cancellation and Trip Interruption Insurance. The Single Trip Plan is underwritten by TD Life Insurance Company. TD Trip Cancellation and Trip Interruption Insurance is underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Top-up or Extension coverage from TD may offer different benefits with different terms and conditions than your existing coverage included with your TD Credit Card. Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions.

27 In the event of an approved claim, the insurer can pay the insurance benefit to The Toronto-Dominion Bank to pay off or reduce your outstanding insured business credit, subject to maximum coverage limits as outlined in the Certificate of Insurance. Exclusions and limitations apply.

Accidental dismemberment coverage is provided by TD Life Insurance Company ("TD Life"). All other coverages are provided by The Canada Life Assurance Company ("Canada Life"). TD Life is the authorized administrator for this insurance. All customer enquiries should be directed to 1-888-983-7070. TD Life is located at P.O. Box 1, TD Centre, Toronto, ON M5K 1A2. The Canada Life Assurance Company is located at 330 University Avenue, Toronto ON M5G 1R8, toll-free number: 1-900-380-4572. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the respective Certificate of Insurance or Product Summary, Fact Sheet, and Certificate of Insurance (Quebec only).

® The TD logo and other TD trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

®Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “Starbucks Marks”).

All trade-marks are the property of their respective owners.

See Air Canada and Aeroplan trade-mark ownership details.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

TM Android and Google Play are trademarks of Google Inc.

Google Pay is a trademark of Google LLC

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.

Annual interest rates, fees and features are subject to change.

The Click to Pay icon () is a trademark owned by and used with permission of EMVCo, LLC.