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Mr. Loonie
TD® Aeroplan® Visa Business Card

TD® Aeroplan® Visa Business Card

Best for: Business owners who fly Air Canada and want Aeroplan points on travel and dining

Your spending a month
What’s in each?
Solo:
Office supplies $100, shipping $50, phone and internet $150, software $150, online ads $200, gas $250, restaurants $200, travel $250, everything else (base rate) $1,050, foreign currency $100
Small team:
Office supplies $250, shipping $200, phone and internet $300, software $400, online ads $600, gas $500, restaurants $400, travel $400, everything else (base rate) $2,650, foreign currency $300
Growing:
Office supplies $500, shipping $600, phone and internet $600, software $1,000, online ads $2,000, gas $1,000, restaurants $800, travel $1,200, everything else (base rate) $6,300, foreign currency $1,000
Year one
$3,076
Every year after
$1,727

Ranked #1 of 27 business cards for year one. See the list

See how we worked it out
Welcome offer you’d get
$1,200
The full offer. Up to 60,000 Aeroplan points.
Annual fee
$0 first year
Then $149 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 $350 or more a month on 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: 2 points per $1 on flights At our value for these points, that’s about 4% back.
  • Good: 14.99% on purchases The usual rate is 20.99%.
  • Good: No fee in the first year Then $149 a year.

Watch for

  • Watch for: $149 a year from year two You need about $350 a month on 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 small team spending of $6,000 a month.

Aeroplan points valued at 2¢ each.

  • Office supplies $60
    1 point per $1 · 2% back $250 a month · 3,000 Aeroplan points a year
  • Shipping $72
    1.5 points per $1 · 3% back $200 a month · 3,600 Aeroplan points a year
  • Phone and internet $108
    1.5 points per $1 · 3% back $300 a month · 5,400 Aeroplan points a year
  • Software $96
    1 point per $1 · 2% back $400 a month · 4,800 Aeroplan points a year
  • Online ads $144
    1 point per $1 · 2% back $600 a month · 7,200 Aeroplan points a year
  • Gas $120
    1 point per $1 · 2% back $500 a month · 6,000 Aeroplan points a year
  • Restaurants $144
    1.5 points per $1 · 3% back $400 a month · 7,200 Aeroplan points a year
  • Travel $144
    1.5 points per $1 · 3% back $400 a month · 7,200 Aeroplan points a year
  • Everything else $636
    1 point per $1 · 2% back $2,650 a month · 31,800 Aeroplan points a year
  • Foreign currency $72
    1 point per $1 · 2% back $300 a month · 3,600 Aeroplan points a year
For you Year one Later years
Points you earn79,800 Aeroplan points a year, at 2¢ each $1,596 $1,596
Welcome offer60,000 Aeroplan points you’d reach $1,200 $0
Annual fee $0 −$149
Foreign currency fee2.5% on $3,600 a year −$90 −$90
Travel medical insurance2 trips at $50 $100 $100
Rental car damage cover2 rentals of 3 days at $35 a day $210 $210
Phone insurance$60 a year $60 $60
Total $3,076 $1,727

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
Flights
2 points per $1 Up to $80,000 in spending per year (shared with other categories). Bought directly from Air Canada, including Air Canada Vacations
Travel
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories).
Transit
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories).
Restaurants
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories).
EV charging
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories).
Everything else (base rate)
1 point per $1
Shipping
1.5 points per $1 shipping
Phone and internet
1.5 points per $1 internet, cable and phone services
  • 1.5 points per $1 spent on select business categories such as shipping, internet, cable and phone
  • 1.5 points per $1 spent on travel and transit
  • 1.5 points per $1 spent on electric vehicle charging
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ 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 10, 2026. Source

Welcome offer

Can your spending get the full offer?

At $6,000 a month, here’s when you’d reach each step.

  1. 1

    10,000 Aeroplan points · about $200

    Get approved for the card.

    • Make your first purchase
  2. 2

    30,000 Aeroplan points · about $600

    Spend $15,000 in your first 6 months.

    You’d reach it in month 3.

  3. 3

    20,000 Aeroplan points · about $400

    Spend $25,000 in your first 12 months.

    You’d reach it in month 5.

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
  • 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

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

    “TD Aeroplan Visa Business Credit Card is a personal credit card targeted toward for-profit small business owners in Canada. With bonus rewards of up to 60,000 points when you spend up to $2,500 per month within the 1st 12 months, the card is excellent for accumulating reward points. The card also offers comprehensive travel insurance, making it an ideal option for travel purposes.”

  • Finder (opens in a new tab) Jan 2021

    “The TD Aeroplan Visa Business Card is designed for small business owners who want to collect more Aeroplan points when they make business purchases. This card comes with a welcome offer, comprehensive travel insurance, business tracking tools and a nice spread of travel perks. Just be aware that it also comes with an annual fee of $149, though you may qualify for fee rebates in your first year.”

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
  • Travel medical $2,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device $1,000 per device
  • Free first checked bag for up to 9 people travelling on the same reservation on Air Canada flights.
  • Get access to the TD Card Management Tool
  • Discounts of up to 25% off for business Purchases made under the Visa SavingsEdge Program
  • Maple Leaf Lounge One-Time Guest Passes
  • Travel Medical Insurance
  • Trip Cancellation/Trip Interruption Insurance
  • Flight/Trip Delay Insurance
  • Delayed and Lost Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Emergency Travel Assistance Services
  • Statement Credits For NEXUS Holders
  • Mobile Device Insurance
  • Free 6 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.

Fees and interest

What it costs

Annual fee
$0 first year Then $149 a year
Purchase interest
14.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$49
Fee waivers
First year: $149 off (Get an Annual Fee rebate for 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 small team spending. This card: $3,076 year one, $1,727 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 Business Card?

$0 the first year, then $149 a year. Each extra card costs $49.

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

Up to 60,000 Aeroplan points, about $1,200. You get it in 3 steps: 10,000 Aeroplan points when you are approved; 30,000 Aeroplan points after you spend $15,000 in the first 6 months; 20,000 Aeroplan points after you spend $25,000 in the first 12 months.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

14.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, travel medical insurance and trip cancellation/trip interruption 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

$3,076
year one for you
Apply now on TD’s site (opens in a new tab)
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