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Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Platinum* CardVSTD Low Rate Visa* Credit Card
Which one is better?
TD® Aeroplan® Visa Platinum* Card
3.6
TD Low Rate Visa* Credit Card
2.9
Welcome Bonus
Up to $400 in value†, including up to 15,000 Aeroplan points† could be yours. Plus, 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 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. Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Welcome Bonus
Get a 0% promotional interest rate on Purchases for the first 6 months† from Account opening. Conditions Apply. Offer effective as of June 4, 2025.
Rewards Breakdown
Annual Rewards
$348.24
Aeroplan
First Year Bonus Value
+
$400
Aeroplan
Annual Fee
-
$89
$0
First Year Rebated
First Year Value
$748.24
$259.24 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
N/A
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
How to Earn Rewards
Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
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†
1 yearPurchase Protection†
90 days
Extra Benefits
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 eStore
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Extra Benefits
Extra points†
Earn 50% more Stars at participating Starbucks stores
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Annual Fee
$89
$0$
First Year Rebated
Annual Fee
$25
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
N/A
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
Not Applicable
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?
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
- Preferred Pricing on Aeroplan flight rewards.
Pros
- Lower annual interest rate compared to most cards
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
Cons
- No rewards
- Small annual fee
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.