TD Aeroplan Visa Platinum Card
Occasional Air Canada flyers who can't meet Visa Infinite income requirements but want to earn Aeroplan points.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A serviceable starter Aeroplan card, but most who qualify should stretch to the Visa Infinite version for the checked bag perk and far better insurance.
Reward rates
Air Canada & Air Canada Vacations (direct) | 1x |
Gas & EV charging | 1x |
Groceries | 1x |
All other purchases 1 Aeroplan point per $1.50 spent | 0.67x |
VaultNerd values these points at ~2¢ each.
Welcome bonus
Up to 20,000 Aeroplan points (10,000 on first purchase + 10,000 with initial spend) plus a first-year annual fee rebate; TD values the full offer at up to $500. Value shown is points at 2 cents each plus the $89 fee rebate.
Requirement: Spend $1,500 within 90 days of account opening; first purchase within 3 months for the fee rebate
Pros
- Cheapest way into Aeroplan with no income requirement
- First-year fee rebate makes it free to try
Cons
- Weak 0.67x base earn rate (1 point per $1.50)
- No travel medical insurance or Air Canada perks like free checked bags
Perks
- Entry-level Aeroplan earning with no minimum income requirement
- Aeroplan Family Sharing to pool points
- Avis and Budget car rental discounts
- Mobile device insurance included
Insurance
- Delayed and lost baggage (up to $1,000/person)
- Flight/trip delay (up to $500/person)
- Common carrier travel accident (up to $500,000)
- Auto rental collision/loss damage (up to 48 days)
- Hotel/motel burglary (up to $2,500)
- Mobile device insurance
Frequently asked questions
Is the TD Aeroplan Visa Platinum Card worth it?
It charges a $89 annual fee, and we rate it 3.2 out of 5. It's best suited to occasional Air Canada flyers who can't meet Visa Infinite income requirements but want to earn Aeroplan points. The welcome bonus is worth roughly $489, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the TD Aeroplan Visa Platinum Card earn?
It earns 1x on air canada & air canada vacations (direct), 1x on gas & ev charging and 1x on groceries. We value these points at about 2¢ each, so the top rate works out to roughly 2.0% back.
What credit score do you need for the TD Aeroplan Visa Platinum Card?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“TD Aeroplan Visa Platinum Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/td-aeroplan-visa-platinum, updated June 2026.
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