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Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Platinum* CardVSTD Rewards Visa* Card
Which one is better?
TD® Aeroplan® Visa Platinum* Card
2.7
TD Rewards Visa* Card
1.5
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.
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 effective as of January 7, 2025.
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.
Rewards Breakdown
Annual Rewards
$43.51
TD Rewards
First Year Bonus Value
+
$98.48
TD Rewards
Annual Fee
-
$0
First Year Value
$142
$43.51 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
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
- 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†
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
Travel Accident
$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
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
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 stores
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
2¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
0.44¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Travel via Expedia
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
- 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.
Pros
- No annual fee, making it easy to maintain.
- Earn 4 points per $1 on travel booked through Expedia For TD, 3 points per $1 on groceries and restaurants, and 2 points per $1 on recurring bill payments.
- Mobile device insurance included, a rare feature for no-fee 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
- TD Rewards points are only worth 0.5 cents each, meaning the value per point is lower compared to other rewards programs.
- Limited insurance coverage compared to premium cards.
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.