Sunita | Finly Wallet

Why @we8309e9c carries this

Idk

How you earn rewards

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 more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.

Card details

Interest Rates

Purchase: 21.99%

Cash Advance: 22.99%□

□ Cash advance rate for Quebec residents is 21.99%

Annual Fees

Main Card: $139

$0

$0 first year

Additional Cards: $75

Welcome Bonus

Up to $1,350 in value^†including up to 40,000 Aeroplan points^† could be yours. Plus, receive an Annual Fee rebate for the first year^† and additional travel benefits. Conditions Apply.

Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card^†.
Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening^†.
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening^†.
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)^†.
Plus, share free first checked bags with up to 8 travel companions^†.
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 this 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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Annual Income

Personal: $60,000

Household: $100,000

Credit Score Estimate

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Card Type

Credit

Reward Type

Type: Points

Loyalty Program: Aeroplan

Our Rating

4.5/5

Institution

TD

Awards

Best Aeroplan Credit Card

2026

Insurance & Benefits

13 insurance

10 benefits

Insurance

Coverage

Travel Medical Insurance (64 & under)^†

21 days

Travel Medical Insurance (65 to 75)^†

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

Benefits

Details

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^†

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

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^†

Pros & Cons

Pros

Decent rewards
First-year fee rebate
Comprehensive insurance
Impressive travel perks

Cons

Relatively lower reward rates
Limited airline loyalty
Annual fee
Income requirements

Legal

^†Terms and conditions apply.

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