TD Aeroplan Visa Platinum
Skip for nowWhat the roles mean
- Gas, groceries, EV charging and Air Canada: 1 Aeroplan point per $1, up to $80,000 a year combined
Up to 20,000 Aeroplan points + first-year annual fee rebate — "up to $500 in value."
Checked on TD's own page October 21, 2026. See TD's page
What it earns in a year
25,005 points a year
Worth about $161 after the $89 fee at the simplest redemption, up to $411 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Gas / EV (First $80,000 a year, then 0.67× points): 1× points.
- Groceries (First $80,000 a year, then 0.67× points): 1× points.
- Travel (First $80,000 a year, then 0.67× points): 1× points.
- Everything else: 0.67× points.
Highlighted = use this card here.
Using your points
On the spending above, 25,005 points a year: worth $250 the easy way, $500 the best way.
- Easy way (1¢): Gift cards, merchandise or paying toward a cash fare
- Best way (2¢): Economy flights, best on Star Alliance partners. Business class on partners can reach 3–8¢
How to apply for the TD Aeroplan Visa Platinum
Check first
- Bonus not for recent TD Aeroplan cardholders: you can't get it if you opened a TD Aeroplan Visa in the last 12 months
- Check you qualify No minimum income listed. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries and gas: the only spending worth putting here at 1 point per $1
- Air Canada flights and Air Canada Vacations: 1 point per $1
- Everything else: use another card. This one pays 1 point per $1.50
- Aeroplan partners and eStore: add your Aeroplan number to earn twice
- Example: $800/month groceries + $250/month gas = 12,600 Aeroplan points a year
Key facts
- Annual fee
- $89
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- None published
- Min. household income
- None published
- Rewards
- AeroplanSee every Aeroplan card
Annual fee waiver
- TD All-Inclusive Banking Plan: $89 fee (and $35 additional card) rebated every year
- The catch: the plan costs $30.95/month unless you keep $6,000 in it every day
- One card only: the plan rebates one TD card a year. Use it on a card that earns more than this one
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Neo World Elite Mastercard
- This card: travel
- Neo World Elite Mastercard: groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, drugstore / pharmacy, entertainment, everything else
- Together: $614 a year after both fees, vs $161 with this card alone
- With this card's $89 fee rebated (see Fee waiver): $703 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, transit, drugstore / pharmacy, entertainment, everything else makes it $799 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Year one: up to 20,000 points (10,000 on first purchase + 10,000 after $1,500 in 90 days), fee rebated
- No minimum income stated
- Points don't expire while you hold the card
- $1,000 phone insurance
- Fee rebated every year with a TD All-Inclusive Banking Plan
Cons
- $89 a year from year two for 1 point per $1. The no-fee CIBC Aeroplan Visa earns the same on gas and groceries
- 1 point per $1.50 on everything else
- No travel medical or trip cancellation insurance
- No free checked bag, no lounge access, no NEXUS rebate
- Year-one fee rebate only if you activate and make a purchase within 3 months
- No welcome offer if you opened any TD Aeroplan Visa in the past 12 months
- 2.5% on foreign-currency purchases
Insurance included
- Flight delay: $500 per person, after 4 hours
- Delayed or lost bags: $1,000 per person, delay over 6 hours
- Travel accident: $500,000 on a plane, train, bus or ferry
- Rental car damage: up to 48 days
- Hotel burglary: $2,500
- Phone: $1,000 for loss, theft or damage
- Purchases: 90 days of theft/damage cover, +1 year warranty
- Not included: travel medical, trip cancellation, trip interruption
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Avis and Budget: at least 10% off in Canada and the US
- Uber One: 3-month free trial
- Starbucks: link the card to earn more Stars
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD Aeroplan Visa Platinum | 1× points≈ 2.0% in value | $192 | $89 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| TD Aeroplan Visa Platinum | 1× points≈ 2.0% in value | $60 | $89 | October 21, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 20,000 pts: 10k first purchase + 10k ($1,500 / 90 days). "Up to $500 in value."Unchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated March 2, 2026; $89 fee, 21.99% purchases; Uber One trial 3 months | $89, rebated yr 1 (+ additional cardholders added while the offer runs) | none stated |
| October 17, 2026 | Up to 20,000 pts: 10k first purchase + 10k ($1,500 / 90 days). "Up to $500 in value."Offer unchanged vs §2 (dated March 2, 2026). Corrected: bonus tier has an $80,000/yr cap; 12-month TD Aeroplan exclusion is on the page | $89, rebated yr 1 (+ additional cardholders added while the offer runs) | none stated |
General information, not financial advice. Offers change; confirm on TD's page before you apply.