Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

TDEntry Aeroplan

TD Aeroplan Visa Platinum Card

Our take: strongest for groceries and gas — about 2% back in value (est.) for $89 a year, plus a welcome bonus we value at roughly $400.

Welcome bonusUp to 20,000 Aeroplan points welcome bonus

Apply on TD’s site →

Goes straight to TD
Our review

The TD Aeroplan Visa Platinum Card is the entry point into TD’s Aeroplan-branded lineup, pairing a modest $89 annual fee with no minimum income requirement, a notable contrast to its two premium siblings. It’s built for Air Canada flyers who want to start earning Aeroplan points affordably, but it comes without the travel medical insurance, lounge access, and elevated earn rates that make the Visa Infinite and Visa Infinite Privilege more compelling for frequent travelers.

3.4out of 5

MoneyMint rating

#21 of 30 travel rewards cards · How we rate

Rewards value

4/10

Insurance

8/10

Flexibility

9/10

Welcome bonus

6/10

Fee value

10/10

Perks

2/10

≈ $698

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual Fee

$89/yrfirst-year fee rebate available; $35/additional cardholder

Rewards Rate

1 pt/$1 on bonus categories0.67 pts/$1 (1 pt per $1.50) elsewhere

Welcome Bonus

Up to 20,000 Aeroplan points

Rewards

~2%on groceries (est. value)

Foreign Transaction Fee

2.5%TD’s standard Visa conversion fee

Credit Score Needed

Good

Purchase APR 21.99%

Pros & Cons

Pros

No minimum personal or household income requirement, unlike both higher Aeroplan tiers
Low annual fee ($89) with a first-year rebate offer, making it accessible for occasional flyers building an Aeroplan balance
Solid basic travel protections (baggage, flight delay, rental car collision/damage, common carrier accident) despite the low fee
Mobile device insurance up to $1,000 for loss, theft, accidental damage or mechanical breakdown of eligible mobile devices

Cons

No trip cancellation/interruption or emergency medical travel insurance
Non-bonus-category spend earns only 0.67 points per dollar, roughly half the rate of the Visa Infinite
No checked-bag, priority boarding, or lounge benefits

Rewards & Earn Rates

Gas & EV charging1 pt/$1shares $80,000/yr combined bonus-category cap

Groceries1 pt/$1shares $80,000/yr combined cap

Air Canada purchases1 pt/$1shares $80,000/yr combined cap

All other purchases1 pt per $1.50 (0.67x)uncapped

This card has no trip cancellation/interruption or emergency medical travel insurance, a real gap for anyone traveling internationally without separate coverage — and unlike the Infinite and Infinite Privilege tiers, it has no minimum income requirement, which is its main differentiator rather than a data gap.

Who It’s For

Best for

Canadians who fly Air Canada occasionally and want to start collecting Aeroplan points without a high fee or income barrier
Applicants who don’t qualify for the Visa Infinite’s income requirement but still want an Aeroplan-branded card

Not ideal for

Frequent Air Canada travelers who value trip cancellation/interruption and emergency medical insurance — this card has neither
Households that spend heavily outside the bonus categories, since the 0.67x base rate lags well behind the Visa Infinite’s 1x and Infinite Privilege’s 1.25x

Not Sure? Three Cards People Compare It With

All everyday spending cards →

CIBC Aventura Visa Infinite Privilege Card

Pick this instead if you want a bigger welcome bonus (~$960 est.).

Fee $499Rating 4.2 ★Bonus $960

Read review

RBC Avion Visa Infinite Privilege

Pick this instead if you want a bigger welcome bonus (~$1,600 est.).

Fee $399Rating 4.2 ★Bonus $1,600

Read review

BMO eclipse Visa Infinite Card

Pick this instead if most of your spending is groceries (~3.35% est.).

Fee $120Rating 3.8 ★Bonus $469

Read review

3.4MoneyMint rating

TD Aeroplan Visa Platinum Card

Best for groceries and gas · $89/year · ~$400 welcome bonus (est.)

Apply on TD’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against TD’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by TD and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

What is the annual fee for the TD Aeroplan Visa Platinum Card?

The TD Aeroplan Visa Platinum Card has an annual fee of $89/yr primary (first-year rebate available); $35/yr per additional cardholder.

What is the rewards rate on the TD Aeroplan Visa Platinum Card?

The TD Aeroplan Visa Platinum Card offers: 1 Aeroplan point per $1 on gas/EV charging, groceries, and Air Canada purchases (up to $80,000/yr combined bonus-category spend); 1 point per $1.50 on all other purchases

Does the TD Aeroplan Visa Platinum Card have a welcome bonus?

Up to 20,000 Aeroplan points: 10,000 on first purchase + 10,000 after $1,500 spend within 90 days First-year annual fee rebate also offered. TD promotional offers rotate; double-check exact terms before you apply.

What credit score do I need to qualify for the TD Aeroplan Visa Platinum Card?

Generally, you’ll want a good credit score to be considered for the TD Aeroplan Visa Platinum Card. Approval also depends on income and overall credit history, not credit score alone.

Does the TD Aeroplan Visa Platinum Card charge foreign transaction fees?

2.5%