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Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Infinite Privilege*VSTD® Aeroplan® Visa Platinum* Card
Which one is better?
TD® Aeroplan® Visa Infinite Privilege*
2.0
TD® Aeroplan® Visa Platinum* Card
2.7
Welcome Bonus
Up to $3,000 in value† including up to 85,000 Aeroplan points† and additional travel benefits could be yours. Conditions Apply. Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card† Earn an additional 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening† Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Welcome Bonus
Up to $400 in value†, including up to 15,000 Aeroplan points† could be yours. Plus, enjoy no annual fee for the first year†. Conditions Apply. Offer effective as of September 4, 2025. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card† Earn an additional 5,000 Aeroplan points when you spend $1,000 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.
Rewards Breakdown
Annual Rewards
$573.19
Air Canada Aeroplan®
First Year Bonus Value
+
$400
Air Canada Aeroplan®
Annual Fee
-
$599
First Year Value
$374.19
-$25.81 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$341.38
Air Canada Aeroplan®
First Year Bonus Value
+
$400
Air Canada Aeroplan®
Annual Fee
-
$89
$0
First Year Rebated
First Year Value
$741.38
$252.38 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† for every $1 spent on all other 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).
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
Insurance Included
Lost or Stolen Baggage
$2.5K/person
Baggage Delay
$1K/person after 4 hours.svg)
Car Rental Damage & Theft
Up to 48 consecutive rental days
Travel Accident
$500,000
Extended Warranty
2 years
Purchase Protection
120 daysFlight Delay
$1,000/person after 4 hours
Mobile Device Insurance
$1,500
Hotel Burglary Insurance
$2500
Emergency Medical Term
$5M/insured up to 31 daysEmergency Medical (65+)
$5M/insured up to 4 days
Trip Cancellation
$2.5K/person, $5K/trip
Trip Interruption
$5K/person, $25K/trip
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysFlight Delay
$500
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStoreExtra points
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
6 Free complimentary visits
Trip and legal Assistance
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Concierge Services
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond..svg)
Free first checked bag
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Priority Travel
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Golf Benefit
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.SAirport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$599
Annual Fee
$89
$0$
First Year Rebated
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / pointCar Rentals
0.9¢ / point
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / point
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / pointCar Rentals
0.9¢ / pointTravel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / point
Is this card worth it?
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
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.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Pros
- Up to 15,000 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.
Cons
- The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
- You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
vs TD Rewards Visa* Card
vs TD Aeroplan® Visa Infinite* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD First Class Travel® Visa Infinite* Card
vs Scotia Momentum® Visa Infinite* Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs American Express Cobalt® Card
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.