Pairs well with...

Annual Fee
Extra Card Fee
Card Type
Cash Advance
Balance Transfer
Personal Income
Household Income
Canadian resident who has reached the provincial age of majority.
Extended Warranty 1 year
Purchase Protection 90 days
Travel Accident $500,000
Flight Delay $500
Baggage Delay $1,000
Lost or Stolen Baggage $1,000
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aeroplan ® Inc. Visit for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program.

¹ 1 Must apply by December 1, 2019. Welcome Bonus of 10,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD Aeroplan Visa Platinum* Card Account (“Account”) only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in Aeroplan Miles ("Welcome Earn Bonus") applies to new Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective miles of 10,000 ("Welcome Earn Bonus Cap") on all purchases charged to your ("Account"). During the Welcome Earn Bonus promotional period, 2 Aeroplan Miles are earned for each $1.00 in Purchases of eligible gas, groceries and drugstore charged to your Account and 2 Aeroplan Miles are earned for each $1.50 for all other Purchases charged to your Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the Aeroplan Miles earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn Aeroplan Miles at the regular 1 Bonus Aeroplan Miles that applies to each $1.00 in Purchases of eligible gas, groceries and drugstore and 1 Aeroplan Mile to each $1.50 to all other eligible Purchases. To receive the additional 5,000 Aeroplan Miles for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 5,000 Authorized User Bonus Aeroplan Miles offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. Other conditions apply. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Welcome Bonus and 2x miles earned through Welcome Earn Bonus are not eligible for Aeroplan status. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account. The number of Aeroplan Miles required for the destination is accurate as of September 4, 2019 and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect one long-haul Fixed Mileage Flight Reward® in Economy Class departing from within Canada or the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Aeroplan Flight Rewards are subject to taxes, landing and departure fees, and other charges and surcharges may apply. Aeroplan Partners, rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit

² Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User.

³ One (1) Bonus Aeroplan Mile (“Bonus Rate”) is earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Credit Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery” or “drugstore” category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries or drugstore products/services. Once the maximum net annual amount has been reached, Purchases of gas, groceries and drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

⁴ One (1) Aeroplan Mile is earned on each $1.50 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at

All trade-marks are the property of their respective owners.

* Trademark of Visa Int., used under license.

® Air Canada is a registered trademark of Air Canada, used under license.

Aeroplan ® and the Aeroplan logo are registered trademarks of Aeroplan Inc.

The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Rate Your Wallet and find your perfect match.

Our Review

For some cards, the welcome bonus alone is enough to catch people’s eye and draw them in.

And the TD® Aeroplan® Visa Platinum* Card is definitely one of those cards.

Earn miles on all your purchases

Even with an annual fee of $89 for the primary cardholder ($35 for authorized users), it’s hard to pass up the chance of an up to 25,000 miles in your first year. That’s worth 1 long-haul roundtrip flight.

Until December 1, 2019, you’ll receive a welcome bonus of 10,000 miles after your first purchase, 5,000 after you add an authorized user, and 2x your miles for the first three months, up to 10,000 miles earned. However, this amount includes what you would be earning on your regular spending anyway, and you'll notice that our calculator is showing a different number. So while you can earn up to 25,000 miles, the welcome bonus itself won't be worth quite that much.

TheTD® Aeroplan® Visa Platinum* Card not only allows you to earn Aeroplan Miles everywhere you shop, 1 mile for every $1.50 spent, but it allows you to earn even more when you shop at:

  • gas stations,
  • grocery stores, and
  • drug stores.

....where you'll get 1 point for every dollar spent.

Added bonus: If you want to get the annual fee waived for the primary cardholder and one authorized user, this card qualifies for a credit card fee waiver if you have the TD All-Inclusive bank account – a great way to reduce fees.

Don't forget about the perks

On top of valuable rewards, this card comes with 7 different types of insurance.

With this coverage, you'll be able to shop and travel with peace of mind knowing that your flight, your luggage, your rental car, and your purchases will be covered.

Your TD card will also give you a minimum of 10% off of Avis and Budget car rentals in Canada and the U.S., and a minimum of 5% when you rent a car internationally.

All about Aeroplan

One thing that needs to be remembered is that there's a little uncertainty surrounding Aeroplan’s future, seeing as the program might undergo some major changes in 2020 which could impact reward value. Full details here.

We're currently valuing an Aeroplan Mile at 2.5 cents when you redeem for a flight.

However, Aeroplan and Air Canada will probably want to work pretty hard to ensure that they don't lose any Aeroplan members in the shuffle, pushing them to work even harder to keep their customers happy.

It's likely that Aeroplan is hatching a plan to protect their reputation and keep their customers from jumping ship.

So, despite Aeroplan’s uncertain future, this card is still worth it now and might still be after 2020 as well.

With one of the best welcome bonuses out there and a fairly nice insurance package, the TD® Aeroplan® Visa Platinum* Card definitely has a few good things to offer.

Alternative Aeroplan credit cards

If you want an Aeroplan card with some Air Canada benefits, the could be a great alternative. It will give you a free checked bag, priority check-in, and priority boarding when travelling on a Aeroplan Rewards flight. Plus, you'll enjoy 1 Maple Leaf Lounge pass annually to be used when flying on a rewards ticket.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

* Conditions apply.

Featured In

The Globe and Mail