TD® Aeroplan® Visa Platinum* Card Review

Ideal for budget-friendly, frequent Air Canada flyers, the TD Aeroplan Visa Platinum Card offers an Aeroplan point rewards program at a low annual cost, plus a couple of useful perks and protections.

Nov 25, 2025 4:02 PM

Written By

Sara Skodak

Lead Writer

Edited By

Kevin Shahnazari

Credit Card Expert

Reviewed By

Abid Salahi

Credit Card Expert

The Bottom Line

If you’re looking to collect Aeroplan points at a low annual price, the TD Aeroplan Visa Platinum Card may be for you. That said, for better coverage, perks, and point potential, you may want to consider one of the other Aeroplan-earning credit cards above. Just note that these alternatives come with higher annual fees and, sometimes, higher annual income requirements (depending on the card).

Skip to: Detailed Review

TD® Aeroplan® Visa Platinum* Card

TD® Aeroplan® Visa Platinum* Credit Card

TD® Aeroplan® Visa Platinum* Card

3.6

Finly Rating

APPLY NOW

on TD's website

Welcome Bonus

Up to $400 in value†, including up to 15,000 Aeroplan points†

Rewards Rate

0.66x - 1.5x

Points

Annual Fee

$89 $0

Interest Rates

21.99% / 22.99%□

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Card Details

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

Coverage

Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year

Benefits

Details

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

Eligibility

Credit Score
Good
Annual Income
N/A

^*†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. Check here for full details and current product information.

Welcome Bonus Details

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.

Card Details

Interest Rates

Purchase APR

21.99%

Cash Advance APR

22.99%□

□ Cash advance rate for Quebec residents is 21.99%

Fees

Annual Fee

$89

Additional Cards

$35

Eligibility

Minimum Individual Income

N/A

Minimum Household Income

N/A

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

Aeroplan

Pros & Cons

Pros

Preferred Pricing on Aeroplan flight rewards.

Cons

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

Our Detailed Review

How to Earn Points with the TD Aeroplan Visa Platinum Card

Cardholders can earn the following while tapping their TD Aeroplan Visa Platinum Card:

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).

As you can see, the TD Aeroplan Visa Platinum Card is best for Air Canada purchases and some common expenses like gas and groceries. That said, the card becomes even more valuable when you use it at partner brands.

How to Redeem Points with the TD Aeroplan Visa Platinum Card

There are a handful of ways you can redeem your Aeroplan points once you’ve earned them.

Specific redemption categories include:

Aeroplan Flights: Redeeming your points towards Air Canada and partner airline flights.
Car Rentals: Using points to make transportation arrangements at car rental locations across the globe.
Vacation Packages: Booking your entire trip with Aeroplan and Air Canada Vacations, including activities and travel experiences.
Hotel Stays: Using points to check-in to partner hotels.
Merchandise: Redeeming points towards eligible products provided by partner brands.
Gifts Cards: Using points to purchase eligible gift cards from participating brands.

Based on the information above, the best way to redeem your TD Aeroplan Visa Platinum Card points is to put them towards Air Canada and partner flights.

For a more detailed breakdown on these categories, check out our Aeroplan Points Value Calculator.

Compare to Similar Cards

	TD® Aeroplan® Visa Platinum* Card	TD Aeroplan® Visa Infinite* Card	TD® Aeroplan® Visa Infinite Privilege* Credit Card	American Express® Aeroplan®* Reserve Card	American Express Cobalt® Card
Welcome Bonus	Up to $400 in value†, including up to 15,000 Aeroplan points†	Up to $1,450 in value† including up to 45,000 Aeroplan points†	Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.	Earn up to 85,000 Aeroplan® points	Up to 15,000 Membership Rewards® points
Earn Rates	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 1.5 points^†for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada^®purchases (including Air Canada Vacations^®) made with your Card. Earn 1 point^†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). Your Aeroplan Points do not expire as long as you are a TD^® Aeroplan^® Visa Infinite* Cardholder in good standing. Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks^®stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks^®Rewards account. Conditions apply.	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).	3x Aeroplan^® points per $1 spent on eligible Air Canada^® and Air Canada Vacations^® purchases 2x Aeroplan^® points per $1 spent on eligible dining & food delivery purchases 1.25x Aeroplan^® points per $1 spent on all other purchases	5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month) 3x points per $1 spent on eligible streaming subscriptions in Canada 2x points per $1 spent on eligible gas, transit & ride share in Canada 1x point per $1 spent on all other purchases
Insurance Included	7 types Flight Delay^† $500 Baggage Delay^† $1,000 Lost or Stolen Baggage^† $1,000 Common Carrier Travel Accident Insurance^† $500,000 Car Rental Damage & Theft^† yes Purchase Protection^† 90 days Extended Warranty^† Up to 1 year	13 types Travel Medical Insurance^† 21 days Travel Medical Insurance (65+)^† 4 days Trip Cancellation^† $1,500 Trip Interruption^† $5,000 Flight Delay^† $500 Baggage Delay^† $1,000 Lost or Stolen Baggage^† $1,000 Common Carrier Travel Accident Insurance^† $500,000 Car Rental Damage & Theft^† yes Hotel Burglary Insurance^† $2,500 Purchase Protection^† 90 days Extended Warranty^† 1 year Mobile Device Insurance^† $1,000	13 types Travel Medical Insurance^† $5M/insured up to 31 days Travel Medical Insurance (65+)^† $5M/insured up to 4 days Trip Cancellation^† $2.5K/person, $5K/trip Trip Interruption^† $5K/person, $25K/trip Flight Delay^† $1,000/person after 4 hours Baggage Delay^† $1K/person after 4 hours Lost or Stolen Baggage^† $2.5K/person Common Carrier Travel Accident Insurance^† $500,000 Car Rental Damage & Theft^† Up to 48 consecutive rental days Hotel Burglary Insurance^† $2500 Purchase Protection^† 120 days Extended Warranty^† 2 years Mobile Device Insurance^† $1,500	11 types Travel Medical Insurance $5M/insured up to 15 days Trip Cancellation $1.5K/person, $3K/trip Trip Interruption $1.5K/person, $6K/trip Flight Delay $1,000/person after 4 hours Baggage Delay $1K/person after 6 hours Lost or Stolen Baggage $1K Common Carrier Travel Accident Insurance $500,000 Car Rental Damage & Theft $85K Up to 48 consecutive rental days Hotel Burglary Insurance $1000 Purchase Protection 90 days Extended Warranty 1 years	10 types Travel Medical Insurance 15 days, up to $5M (if under age 65) Flight Delay $500 Baggage Delay $500 Hotel Burglary Insurance $500 Lost or Stolen Baggage $500 Common Carrier Travel Accident Insurance $250,000 Car Rental Damage & Theft yes Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year
Benefits	3 benefits Extra points^† Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores Extra 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	10 benefits Free first checked bag^† First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests Nexus Program Rebate^† $100 every 4 years Visa Infinite Exclusive Benefits^† Concierge Services^† 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.S Extra points^† Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores Extra points^† Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore Status lift^† Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases Car Rental Discount^† 10% off base rate of Avis Rent A Car and Budget Rent A Car Trip and legal Assistance^†	20 benefits Free first checked bag^† First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests Nexus Program Rebate^† up to $100 every 4 years Visa Infinite Exclusive Benefits^† Concierge Services^† 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.S Extra points^† Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores Extra points^† Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore 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 purchases Car Rental Discount^† 10% off base rate of Avis Rent A Car and Budget Rent A Car Trip and legal Assistance^† Extra 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 Status lift^† Complimentary upgrade to Avis® President's Club Status 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. 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) Airport Lounge - Dragon Pass^† 6 Free complimentary visits Airport Lounge - Maple Leaf and AirCanada Cafes^† Unlimited Access for you and one guest Companion Voucher^† Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card	14 benefits Free first checked bag First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests Nexus Program Rebate $100 every 4 years Amex Experiences™ Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more Extra points Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore 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 purchases Status lift Complimentary upgrade to Avis® President's Club Status 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. Priority Travel At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care. 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) Airport Lounge - Priority Pass Pass only. No Complimentary visits! Airport Lounge - Maple Leaf and AirCanada Cafes Unlimited Access for you and one guest Companion Voucher Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card Free Extra Night at Hotels Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide	2 benefits Amex Experiences™ Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™ Travel Credit Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.
Annual Fee	$89 (First Year Rebated)	$139 (First Year Rebated)	$599	$599	$191.88
Income Requirements	N/A	$60,000 personal or $100,000 household	$150,000 personal or $200,000 household	N/A	N/A
Apply Now	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW

Comparison to Other Aeroplan Credit Cards in Canada

If you’re still reading this review, you’re likely interested in an Aeroplan-point-earning credit card. To help you decide whether the TD Aeroplan Visa Platinum card is the right Aeroplan point earner for you, we’ve compared it against other leading Aeroplan credit cards below.

To learn more, read our Best Aeroplan Credit Cards in Canada post.

TD Aeroplan Visa Platinum Card vs TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card offers slightly better point-potential on Air Canada purchases and common expenses like gas and groceries. The overall optimization on all other purchases is also superior. Like the TD Aeroplan Visa Platinum Card, you’ll still earn double the points on partner purchases and Starbucks runs, plus additional benefits like free first checked bags, a Nexus Program rebate, and Troon Rewards Golf benefits. In terms of coverage, the TD Aeroplan Visa Infinite Card has the Platinum Card beat with travel medical insurance, trip interruption and trip cancellation insurance, and mobile device insurance.

The catch? This card comes with some annual income requirements and a higher annual fee, although, thankfully, the annual fee is also waived during the first year of membership.

TD Aeroplan Visa Platinum Card vs TD Aeroplan Visa Infinite Privilege Card

For premium point potential and perks, applicants can also go for the TD Aeroplan Visa Infinite Privilege Card. This contender offers better optimization on Air Canada and common everyday expenses (including dining), plus a better overall base rate. The insurance is also superior, but the best part is probably the extensive benefits list, including priority travel perks, free first checked bags, airport lounge access, status lifts, and an annual companion voucher.

Keep in mind, however, that this card comes with high annual income requirements and a pricey annual fee.

TD Aeroplan Visa Platinum Card vs American Express Aeroplan Reserve Card

Recognized as one of the highest ranking Aeroplan cards, the American Express Aeroplan Reserve Card offers competitive Aeroplan points on Air Canada purchases, dining, and all other eligible purchases. Insurance coverage includes valuable protections like travel medical coverage, trip interruption and trip cancellation insurance, and hotel burglary insurance. Cardholders can also indulge in unlimited Maple Leaf Lounge access, priority travel perks, an annual companion voucher and more.

Luckily, this premium contender avoids annual income requirements. However, cardholders are still expected to pay a high annual fee.

TD Aeroplan Visa Platinum Card vs American Express Cobalt Card

While technically not an Aeroplan-branded credit card, the American Express Cobalt Card earns cardholders impressive American Express Membership Rewards points on everyday purchases. These points can then be transferred to Aeroplan at a 1:1 ratio, offering travellers more flexibility along with better coverage and enticing perks like a hotel travel credit. Just mind the higher annual fee!

Benefits and Perks

4 Benefits of the TD Aeroplan Visa Platinum Card

Below, we’ve listed the top reasons why you might want to apply for the TD Aeroplan Visa Platinum Card.

✅ Low Annual Fee

For starters, the TD Aeroplan Visa Platinum Card’s annual fee is relatively low when compared to other Aeroplan Cards on the Canadian market. The best part? This annual fee is waived for the first year of membership.

✅ Notable Welcome Bonus

Cardholders can also collect a decent amount of extra Aeroplan points on their first purchase and when certain spending thresholds are met within the first few months of membership.

✅ Extra Point Potential

If you weren’t particularly impressed by the initial point potential offered by this card, you’ll be pleased to hear that there are a couple of ways to earn extra rewards.

First, cardholders can earn double the Aeroplan points at over 150 Aeroplan partner brands and at more than 200 online retailers via the Aeroplan eStore.

Secondly, spenders can collect more Aeroplan points and Starbucks Stars at participating Starbucks stores when they link their TD Aeroplan Visa Platinum Card to their Starbucks account, covering future sips and trips.

✅ Car Rental Discounts

Members can also save on rental cars at participating Avis Rent a Car and Budget Rent a Car locations. The best discounts are on base rates provided by Canadian and U.S. locations, followed by a slightly lower rate provided by international locations.

Drawbacks and Considerations

3 Downsides to the TD Aeroplan Visa Platinum Card

There are few drawbacks to consider.

❌ Low Point Potential on Non-Categorical Purchases

As you may have noticed, the TD Aeroplan Visa Platinum Card offers a low earning rate of 1 point per $1.50 spent on non-categorical purchases. This means that this card isn’t as strong for purchases besides Air Canada travel and gas and groceries.

❌ Limited High-Value Redemptions

Similarly, these Aeroplan points are most valuable when redeemed towards Aeroplan flights, which is great for frequent flyers, but not as good for those who’d like to put their points elsewhere.

❌ Lacks Important Coverage

While the TD Aeroplan Visa Platinum Card includes important protections like flight and baggage delay insurance, travel accident insurance, and car rental damage and theft insurance, it’s missing valuable categories like trip interruption and trip cancellation insurance, plus emergency medical coverage.

Frequently Asked Questions

This card is best for budget-conscious travellers who fly frequently with Air Canada and want to collect Aeroplan points without paying a high annual fee. However, frequent travellers who want premium perks and insurance might prefer a high-tier option.

Some downsides to note are:

Low point potential on non-categorical purchases
Niche high-value point redemptions (best redeemed towards Aeroplan flights)
A lack of valuable coverage categories like trip interruption, trip cancellation, and travel medical insurance

Your Aeroplan points will not expire as long as you remain a TD Aeroplan Visa Platinum Cardholder.

About the author

Sara Skodak

Lead Writer

Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...

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About the editor

Kevin Shahnazari

Credit Card Expert

Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...

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About the reviewer

Abid Salahi

Credit Card Expert

Abid leads the design and engineering of the FinlyWealth website, making sure everything runs smoothly and looks great. He’s a seasoned software engineer who follows best practices and designs interfa...

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What's on this Page

The Bottom Line
Welcome Bonus Details
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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TD® Aeroplan® Visa Platinum* Card

3.6

FinlyWealth Rating

APPLY NOW

on TD's website

Get personalized rewards estimates — see exactly how much you could earn.

TD® Aeroplan® Visa Platinum* Card Points Calculator

^†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.

APPLY NOW

on TD's website

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TD® Aeroplan® Visa Platinum* Card

TD Aeroplan® Visa Infinite* Card

TD® Aeroplan® Visa Infinite Privilege* Credit Card

American Express® Aeroplan®* Reserve Card

American Express Cobalt® Card

Welcome Bonus

Up to $400 in value†, including up to 15,000 Aeroplan points†

Up to $1,450 in value† including up to 45,000 Aeroplan points†

Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.

Earn up to 85,000 Aeroplan® points

Up to 15,000 Membership Rewards® points

Earn Rates

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 1.5 points^†for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada^®purchases (including Air Canada Vacations^®) made with your Card.
Earn 1 point^†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).
Your Aeroplan Points do not expire as long as you are a TD^® Aeroplan^® Visa Infinite* Cardholder in good standing.
Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks^®stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks^®Rewards account. Conditions apply.

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).

3x Aeroplan^® points per $1 spent on eligible Air Canada^® and Air Canada Vacations^® purchases
2x Aeroplan^® points per $1 spent on eligible dining & food delivery purchases
1.25x Aeroplan^® points per $1 spent on all other purchases

5x points per $1 spent on eligible eats and drinks in Canada, including groceries and food delivery (up to 12,500 points per month)
3x points per $1 spent on eligible streaming subscriptions in Canada
2x points per $1 spent on eligible gas, transit & ride share in Canada
1x point per $1 spent on all other purchases

Insurance Included

7 types

Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year

13 types

Travel Medical Insurance^†
21 days
Travel Medical Insurance (65+)^†
4 days
Trip Cancellation^†
$1,500
Trip Interruption^†
$5,000
Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
90 days
Extended Warranty^†
1 year
Mobile Device Insurance^†
$1,000

13 types

Travel Medical Insurance^†
$5M/insured up to 31 days
Travel Medical Insurance (65+)^†
$5M/insured up to 4 days
Trip Cancellation^†
$2.5K/person, $5K/trip
Trip Interruption^†
$5K/person, $25K/trip
Flight Delay^†
$1,000/person after 4 hours
Baggage Delay^†
$1K/person after 4 hours
Lost or Stolen Baggage^†
$2.5K/person
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
Up to 48 consecutive rental days
Hotel Burglary Insurance^†
$2500
Purchase Protection^†
120 days
Extended Warranty^†
2 years
Mobile Device Insurance^†
$1,500

11 types

Travel Medical Insurance
$5M/insured up to 15 days
Trip Cancellation
$1.5K/person, $3K/trip
Trip Interruption
$1.5K/person, $6K/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1K/person after 6 hours
Lost or Stolen Baggage
$1K
Common Carrier Travel Accident Insurance
$500,000
Car Rental Damage & Theft
$85K Up to 48 consecutive rental days
Hotel Burglary Insurance
$1000
Purchase Protection
90 days
Extended Warranty
1 years

10 types

Travel Medical Insurance
15 days, up to $5M (if under age 65)
Flight Delay
$500
Baggage Delay
$500
Hotel Burglary Insurance
$500
Lost or Stolen Baggage
$500
Common Carrier Travel Accident Insurance
$250,000
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

Benefits

3 benefits

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

10 benefits

Free first checked bag^†
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
Nexus Program Rebate^†
$100 every 4 years
Visa Infinite Exclusive Benefits^†
Concierge Services^†
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.S
Extra points^†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Extra points^†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Status lift^†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance^†

20 benefits

Free first checked bag^†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate^†
up to $100 every 4 years
Visa Infinite Exclusive Benefits^†
Concierge Services^†
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.S
Extra points^†
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Extra points^†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
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 purchases
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance^†
Extra 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
Status lift^†
Complimentary upgrade to Avis® President's Club
Status 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.
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)
Airport Lounge - Dragon Pass^†
6 Free complimentary visits
Airport Lounge - Maple Leaf and AirCanada Cafes^†
Unlimited Access for you and one guest
Companion Voucher^†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

14 benefits

Free first checked bag
First checked bag is free for primary cardholder on Air Canada branded flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Amex Experiences™
Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
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 purchases
Status lift
Complimentary upgrade to Avis® President's Club
Status 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.
Priority Travel
At Toronto Pearson airport get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking and car care.
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)
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Free Extra Night at Hotels
Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide

2 benefits

Amex Experiences™
Access Front Of The Line® Amex Presale & Reserved Tickets to some of your favourite concerts and theatre performances and special offers and events curated for Cardmembers with Amex Experiences™
Travel Credit
Book two or more consecutive nights at participating properties through The Hotel Collection with American Express Travel to receive a $100 credit for amenities or a complimentary room upgrade, if available.

Annual Fee

$89 (First Year Rebated)

$139 (First Year Rebated)

$599

$191.88

Income Requirements

N/A

$60,000 personal or $100,000 household

$150,000 personal or $200,000 household

N/A

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Frequently Asked Questions

Some downsides to note are:

Low point potential on non-categorical purchases
Niche high-value point redemptions (best redeemed towards Aeroplan flights)
A lack of valuable coverage categories like trip interruption, trip cancellation, and travel medical insurance

Your Aeroplan points will not expire as long as you remain a TD Aeroplan Visa Platinum Cardholder.

The Bottom Line

Welcome Bonus Details

Card Details

Interest Rates

Fees

Eligibility

Type

Pros & Cons

Our Detailed Review

How to Earn Points with the TD Aeroplan Visa Platinum Card

How to Redeem Points with the TD Aeroplan Visa Platinum Card

Compare to Similar Cards

Comparison to Other Aeroplan Credit Cards in Canada

TD Aeroplan Visa Platinum Card vs TD Aeroplan Visa Infinite Card

TD Aeroplan Visa Platinum Card vs TD Aeroplan Visa Infinite Privilege Card

TD Aeroplan Visa Platinum Card vs American Express Aeroplan Reserve Card

TD Aeroplan Visa Platinum Card vs American Express Cobalt Card

Benefits and Perks

4 Benefits of the TD Aeroplan Visa Platinum Card

✅ Low Annual Fee

✅ Notable Welcome Bonus

✅ Extra Point Potential

✅ Car Rental Discounts

Drawbacks and Considerations

3 Downsides to the TD Aeroplan Visa Platinum Card

❌ Low Point Potential on Non-Categorical Purchases

❌ Limited High-Value Redemptions

❌ Lacks Important Coverage

Frequently Asked Questions

What type of spender would benefit most from the TD Aeroplan Visa Platinum Card?

What are some main drawbacks to the TD Aeroplan Visa Platinum Card?

Do Aeroplan points expire?

Footnotes

Credit Card Resources

Featured

Rebates & Rewards

The Bottom Line

Welcome Bonus Details

Card Details

Interest Rates

Fees

Eligibility

Type

Pros & Cons

Our Detailed Review

How to Earn Points with the TD Aeroplan Visa Platinum Card

How to Redeem Points with the TD Aeroplan Visa Platinum Card

Compare to Similar Cards

Comparison to Other Aeroplan Credit Cards in Canada

TD Aeroplan Visa Platinum Card vs TD Aeroplan Visa Infinite Card

TD Aeroplan Visa Platinum Card vs TD Aeroplan Visa Infinite Privilege Card

TD Aeroplan Visa Platinum Card vs American Express Aeroplan Reserve Card

TD Aeroplan Visa Platinum Card vs American Express Cobalt Card

Benefits and Perks

4 Benefits of the TD Aeroplan Visa Platinum Card

✅ Low Annual Fee

✅ Notable Welcome Bonus

✅ Extra Point Potential

✅ Car Rental Discounts

Drawbacks and Considerations

3 Downsides to the TD Aeroplan Visa Platinum Card

❌ Low Point Potential on Non-Categorical Purchases

❌ Limited High-Value Redemptions

❌ Lacks Important Coverage

Frequently Asked Questions

What type of spender would benefit most from the TD Aeroplan Visa Platinum Card?

What are some main drawbacks to the TD Aeroplan Visa Platinum Card?

Do Aeroplan points expire?

Footnotes

Credit Card Resources

Featured

Rebates & Rewards