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Mr. Loonie
TD® Aeroplan® Visa Platinum Card

TD® Aeroplan® Visa Platinum Card

7.7
Good
Expert Score · 6 reviews How we score

Best for: Newer Aeroplan collectors who want points on groceries and gas for a modest fee

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,004
Every year after
$515

Ranked #32 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$400
The full offer. Up to 20,000 Aeroplan points.
Annual fee
$0 first year
Then $89 a year
Apply now on TD’s site (opens in a new tab)
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
2 quick questions

Is it for me?

Do you spend $400 or more a month on groceries, gas and flights?

Do you pay your card off in full most months?

Answer the 2 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 1 point per $1 on groceries, gas and flights At our value for these points, that’s about 2% back.
  • Good: No fee in the first year Then $89 a year.
  • Good: Welcome offer up to 20,000 Aeroplan points About $400 at our value for these points.

Watch for

  • Watch for: $89 a year from year two You need about $400 a month on groceries, gas and flights to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Aeroplan points valued at 2¢ each.

  • Groceries $192
    1 point per $1 · 2% back $800 a month · 9,600 Aeroplan points a year
  • Restaurants $40
    0.67 point per $1 · 1.3% back $250 a month · 2,000 Aeroplan points a year
  • Gas $60
    1 point per $1 · 2% back $250 a month · 3,000 Aeroplan points a year
  • Recurring bills $40
    0.67 point per $1 · 1.3% back $250 a month · 2,000 Aeroplan points a year
  • Travel $24
    0.67 point per $1 · 1.3% back $150 a month · 1,200 Aeroplan points a year
  • Everything else $104
    0.67 point per $1 · 1.3% back $650 a month · 5,200 Aeroplan points a year
  • Foreign currency $24
    0.67 point per $1 · 1.3% back $150 a month · 1,200 Aeroplan points a year
For you Year one Later years
Points you earn24,201 Aeroplan points a year, at 2¢ each $484 $484
Welcome offer20,000 Aeroplan points you’d reach $400 $0
Annual fee $0 −$89
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,004 $515

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
1 point per $1 Up to $80,000 in spending per year (shared with other categories).
Gas
1 point per $1 Up to $80,000 in spending per year (shared with other categories). Including EV charging
Flights
1 point per $1 Up to $80,000 in spending per year (shared with other categories). Bought directly from Air Canada, including Air Canada Vacations
Everything else (base rate)
0.67 point per $1 1 point per $1.50

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.

How Aeroplan points work, and why 2¢

We count Aeroplan points at 2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.7¢ to 6¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    10,000 Aeroplan points · about $200

    Get approved for the card.

    • On purchases within the first 90 days
    • Earn 10,000 points when you make your first purchase with your card
    • Plus, get an annual fee rebate for the primary and first additional cardholder for the first year
  2. 2

    10,000 Aeroplan points · about $200

    Spend $1,500 in your first 3 months.

    You’d reach it in month 1.

The annual fee is waived in the first year. Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Newcomer program TD New to Canada For newcomers with a PR card, IMM 5292, or a work or study permit, plus ID. Permanent residents can get a limit up to $15,000 with no Canadian credit history.
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.7
Good
Expert Score How we score
  • Rewards Canada (opens in a new tab) Mar 2024

    “If you are in the market for an entry to mid-level Aeroplan co-brand card the TD Aeroplan Visa Platinum card is one to consider. The one to one earn rate in select categories combined with the preferred pricing on Air Canada award tickets and relatively strong insurance coverage make this card ideal if you are just starting out with Aeroplan and/or the world of airline and travel loyalty programs. Once your income is higher or you get more comfortable with the ins and outs of the Aeroplan program you can look at getting yourself a premium or ultra premium Aeroplan co-brand card to earn more points on your spending and avail of all the extra benefits like getting your first checked bag free on Air Canada flights.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “The TD Aeroplan Visa Platinum Card is a travel credit card suited for frequent travelers; with this card, you can earn up to $500 worth of rewards, within the first year of applying for this, just by completing some milestones. The TD Aeroplan Visa Platinum Card has a very reasonable annual fee of just $89, which is waived for first-year applicants. The first-year welcome bonus comes up to 20,000 points, which can be exchanged for travel benefits and at select stores”

  • Money We Have (opens in a new tab) Mar 2022

    “My TD Aeroplan Visa Platinum review is positive. There’s no minimum income requirement and you get a decent earn rate. There’s no other way to earn that many points so quickly (unless you qualify for a higher tier card) which is why you need to consider this card if you want to start collecting Aeroplan Miles.”

  • Finder (opens in a new tab) Nov 2020

    “The TD Aeroplan Visa Platinum Card is for frequent flyers and Aeroplan members. It allows you to collect double the Aeroplan points on eligible purchases and comes with a welcome offer, basic travel insurance and other perks like car rental coverage, common carrier insurance and purchase protection.”

  • creditcardGenius (opens in a new tab) Sep 2017
    8.4

    “With a nice signup bonus and the ability to earn Aeroplan miles everywhere you shop, this card makes it easy earn and redeem your miles for the flights you want.”

  • GreedyRates.ca (opens in a new tab) Sep 2016

    “The card isn’t for everyone. However, the value of the benefits, especially with the 40,000 mile welcome bonus, more than make-up for its cost – in spades.”

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Baggage delay Included
  • Lost baggage Included
  • Flight delay Included
  • Hotel burglary Included
  • Mobile device $1,000 per device
  • Delayed and Lost Baggage Insurance
  • Flight/Trip Delay Insurance
  • Hotel/Motel Burglary Insurance
  • Mobile Device Insurance
  • Free 3 months Uber Pass membership
  • Mobile wallets Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read TD’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation and trip interruption.

Fees and interest

What it costs

Annual fee
$0 first year Then $89 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$35
Fee waivers
First year: $89 off (Waived on the first year)
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,004 year one, $515 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD® Aeroplan® Visa Platinum Card?

$0 the first year, then $89 a year. Each extra card costs $35.

How much is the TD® Aeroplan® Visa Platinum Card welcome offer worth?

Up to 20,000 Aeroplan points, about $400. You get it in 2 steps: 10,000 Aeroplan points when you are approved; 10,000 Aeroplan points after you spend $1,500 in the first 3 months.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, delayed and lost baggage insurance and flight/trip delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,004
year one for you
Apply now on TD’s site (opens in a new tab)
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