Illustration, not the actual card design.
TD · Earns Aeroplan points · Business card
TD Aeroplan Visa Business
Annual fee
$149 · waived year one
Welcome offer
Up to 60,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $15,000 in your first 180 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$580
+$400 welcome bonus
+$180 yearly credits
−$0 fee (waived)
Year 2
$231
+$200 welcome bonus
+$180 yearly credits
−$149 fee
Every year after
$31
+$180 yearly credits
−$149 fee
Plus 16 benefits with no fixed dollar value, like NEXUS Statement Credit, Emergency Medical Insurance and Trip Cancellation Insurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Offer may end without notice. Not available if you opened any TD Aeroplan Visa account (Platinum, Infinite, Infinite Privilege or Business) in the last 12 months. Under Aeroplan's terms, the bonus points may be withheld or taken back if you have already received Aeroplan welcome points for a new card of this type, from TD or another issuer. The first-year fee rebate covers you and up to two additional cardholders. Closing the account or switching to another TD card may forfeit bonus points not yet awarded.
60,000 points: worth $600 at 1¢ a point, or up to $1,200 on travel (2¢ a point). How that works
- 1Make your first purchase10,000 pts≈ $100 est.Year 1
- 2Spend $15,000 in your first 180 days30,000 pts≈ $300 est.Year 1
- 3Spend $25,000 in your first 365 days20,000 pts≈ $200 est.Year 2
- First-year annual fee waived$149savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. Aeroplan points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Hyatt Hotels | 2 pts per $ | 2¢ |
| Air Canada | 2 pts per $ | 2¢ |
| Dining & Restaurants | 1.5 pts per $ | 1.5¢ |
| Travel | 1.5 pts per $ | 1.5¢ |
| Telecom | 1.5 pts per $ | 1.5¢ |
| Shipping | 1.5 pts per $ | 1.5¢ |
| Transit | 1.5 pts per $ | 1.5¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Statement credits
- NEXUS Statement Credit$100
Up to $100 back on a NEXUS application fee charged to the card
Worth about US$120 per application · CBSA's price, 5-year membership; non-refundable, checked Oct 2026
Every few years
Perks
- Free First Checked Bag$180/yr
Air Canada flights: first bag free for you and up to 8 companions on the same booking; valued at $180 a year (2 people, 1 round trip)
Worth about $45 per bag, each way · Air Canada's price, Economy Basic or Standard fare, within Canada and to or from the U.S., before tax (Flex fares include one free), checked Oct 2026
Enroll first
Insurance · 11
- Emergency Medical Insurance
Out-of-province emergency medical, up to $2,000,000, first 15 days of a trip under 65, 4 days if 65 or over
- Trip Cancellation Insurance
Up to $1,500 per person and $5,000 per trip if you cancel before departure
- Trip Interruption Insurance
Up to $5,000 per person and $25,000 per trip if a trip is cut short
- Flight Delay Insurance
Meals and hotel when a flight or trip is delayed 4+ hours, up to $500 per person
Show all 11Show fewer
- Delayed and Lost Baggage Insurance
Essentials when checked bags are delayed 6+ hours or lost, up to $1,000
- Rental Car Collision Damage Insurance
Damage or theft of a rental car, rentals up to 48 days
- Hotel Burglary Insurance
Personal items stolen from your hotel room, up to $2,500 per occurrence
- Travel Accident Insurance
Accidental death or dismemberment on a plane, train, bus, ferry or rental car, up to $500,000
- Mobile Device Insurance
Phone lost, stolen, damaged or broken, up to $1,000
- Purchase Protection
Most new items protected if stolen or damaged within 90 days of purchase
- Extended Warranty
Doubles a Canadian manufacturer's warranty, up to 12 extra months
Status
- Aeroplan Elite Status Boost
1,000 Status Qualifying Credits per $20,000 spent, up to 25,000 a year
- Avis Preferred Plus Membership
Avis Preferred Plus: one-class upgrades when available and expedited service
Enroll first - Hertz Gold Plus Rewards Five Star
Hertz Five Star: vehicle upgrades when available and skip-the-counter service
Enroll first
Awards
- Maple Leaf Lounge Guest Passes
One Air Canada Maple Leaf Lounge one-time guest pass per $10,000 in net purchases, up to 4 per account year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by TD. Card and program names belong to their owners.
Details last checked Sep 28, 2026.