TD® Aeroplan® Visa Platinum* Credit Card vs TD Platinum Travel Visa* Card: Which one is better?


TD® Aeroplan® Visa Platinum* Credit Card

TD® Aeroplan® Visa Platinum* Credit Card

3


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

TD Platinum Travel Visa* Card

TD Platinum Travel Visa* Card

3


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$358.45

Air Canada Aeroplan®


First Year Bonus Value

$420

Air Canada Aeroplan®


Annual Fee

$89

$0

First Year Waived


First Year Value

$778.45

$269.45 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$195.8

TD Rewards


First Year Bonus Value

$250

TD Rewards


Annual Fee

$89

$0

First Year Waived


First Year Value

$445.8

$106.8 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • hourglass timer

    Flight Delay

    $500

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • hourglass timer

    Flight Delay

    $500

  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2,500

Extra Benefits

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
  • reward cup

    Extra points

    Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Extra Benefits

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$89

$0

First Year Waived

Annual Fee

$89

$0

First Year Waived

Income Required

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required

Min Personal Income:

N/A

Min Household Income:

N/A

Welcome Bonus

Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening. Get an annual fee rebate for the first year.

Welcome Bonus

Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card, 35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening. Get an Annual Fee Rebate for the first year. Account must be approved by January 6, 2025.

Rewards Rate

  • 1.5 Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 80,000 points annually)
  • 0.66 Aeroplan point per $1 spent on all other eligible purchases

Rewards Rate

  • 6x points per $1 spent on travel booked online through Expedia for TD
  • 4.5x points per $1 spent on eligible grocery and restaurant purchases
  • 3x points per $1 spent on eligible recurring bill payments
  • 1.5x points per $1 spent on all other eligible purchases

Loyalty Program

Loyalty Program

Point Redemption Options

  • travel - plane

    Travel

    0.825¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

  • Most Optimal

    flight plane

    Aeroplan® Flights

    2.1¢ / point
  • car rental

    Car Rentals

    0.9¢ / point

Point Redemption Options

  • travel - plane

    Travel

    0.4¢ / point
  • gift card

    Gift Cards

    0.25¢ / point
  • online shop

    Merchandise

    0.225¢ / point

  • Most Optimal

    expedia

    Travel via Expedia

    0.5¢ / point
  • education

    Education

    0.4¢ / point
  • amazon logo

    Amazon.ca

    0.33¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25¢ / point

Is this card worth it?

The TD® Aeroplan® Visa Platinum Card* is a solid option for individuals who frequently fly with Air Canada and want a low-fee entry into the Aeroplan rewards program. With a first-year fee waiver, 20,000-point welcome bonus, and 12 types of insurance, it offers good value for occasional travelers. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.

Is this card worth it?

The TD Platinum Travel Visa Card* is a solid choice for individuals looking for travel rewards and flexibility without a high annual fee. Its first-year fee waiver, valuable welcome bonus, and comprehensive insurance package make it a strong contender in the travel card category. However, the lower point value and lack of trip cancellation insurance may be a drawback for frequent travelers.

Pros

  • Up to 20,000 Aeroplan Points welcome bonus.
  • Earn 1 point per $1 on gas, groceries, and Air Canada purchases.
  • Preferred Pricing on Aeroplan flight rewards.
  • Includes 12 types of insurance for added travel protection.

Pros

  • 6 points per $1 on travel booked through Expedia For TD, maximizing rewards for travel purchases.
  • Annual fee rebate for the first year, providing savings during the first year of card ownership.
  • No minimum income requirement, making it accessible for a wide range of applicants.
  • Valuable insurance coverage with 9 types of insurance, including travel accident, baggage delay, and mobile device coverage.

Cons

  • Rewards value is best redeemed for Air Canada flights.
  • Lower points earning rate of 1 point per $1.50 on other purchases.

Cons

  • TD Rewards points are only worth 0.5 cents each, reducing their overall value compared to other reward programs.
  • Some users may prefer a travel card with a higher return on non-travel-related purchases or cash-back options.
  • No trip cancellation insurance included, which may be a drawback for frequent travelers.

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