Working hard in the background...
Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Platinum* CardVSTD Rewards Visa* Card
Which one is better?
TD® Aeroplan® Visa Platinum* Card
3.6
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
TD Rewards Visa* Card
2.8
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
Up to $500 in value†, including up to 20,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
- Earn an additional 10,000 Aeroplan points when you spend $1,500 within 90 days of Account opening†
- Get an annual fee rebate for the first year†
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Welcome Bonus
Earn 15,152 TD Rewards Points† (a value of $50 on Amazon.ca†) when you spend $500 within 90 days of Account opening†. Conditions apply.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Rewards Breakdown
Aeroplan
Annual Rewards
$330.83
17,411 pts
Aeroplan
First Year Bonus
+
$380
+20,000 pts
Aeroplan
Annual Fee
-
$89
$0
First Year Rebated
First Year Value
$710.83
37,411 pts
$241.83 in years after
Based on a hypothetical $2,000/mo average spending.
1.9¢/pt
via Aeroplan® Flights
Rewards Breakdown
TD Rewards
Annual Rewards
$43.17
8,634 pts
TD Rewards
First Year Bonus
+
$98.48
+19,697 pts
TD Rewards
Annual Fee
-
$0
First Year Value
$141.66
28,331 pts
$43.17 in years after
Based on a hypothetical $2,000/mo average spending.
0.5¢/pt
via Expedia® For TD
How to Earn Rewards
- Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
- Earn 1 point† for every $1.50 spent on all other eligible purchases† made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
How to Earn Rewards
- Earn 4 TD Rewards Points for every $1 you spend when you book travel through Expedia® For TD†
- Earn 3 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 2 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†
- Earn 1 TD Rewards Points For every $1 you spend on other Purchases made using your Card†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance Included
Extended Warranty†
Up to 1 year
Purchase Protection†
90 days
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Common Carrier Travel Accident Insurance†
$500,000Flight Delay†
$500
Insurance Included
Extended Warranty†
Up to 1 yearPurchase Protection†
90 days
Mobile Device Insurance†
$1,000
Extra Benefits
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Extra Benefits
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$89
$0$
First Year Rebated
Annual Fee
$0
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
Point Redemption Options
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
1.9¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
0.44¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Expedia® For TD
0.5¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / point
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. 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 Rewards Visa Card* is a great choice for individuals looking for a no-fee card with moderate rewards. It offers solid perks like mobile device insurance and flexible rewards redeemable for travel, gift cards, and more. However, the lower point value and limited earning potential on everyday purchases may not appeal to frequent spenders looking for maximum rewards.
Pros
- Preferred Aeroplan flight pricing
- First-year fee rebate
- Decent insurance
- Car rental discounts
- Generous intro offer
Pros
- No annual fee
- Strong rewards
- Mobile device insurance
- Car rental discounts
Cons
- Lower reward rates
- Limited redemption value
Cons
- Low point value
- Limited insurance
Legal
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.