Illustration, not the actual card design.
TD · Earns Aeroplan points
TD Aeroplan Visa Platinum
Annual fee
$89 · waived year one
Welcome offer
Up to 20,000 points
Market
Canada · CAD
Biggest part of the offer: Make your first purchase.
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
$200
+$200 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
−$89
Costs $89 a year until your spending covers it.
Every year after
−$89
Costs $89 a year until your spending covers it.
Plus 9 benefits with no fixed dollar value, like Avis and Budget rental discount, Flight and Trip Delay Insurance and Delayed and Lost Baggage Insurance. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 7, 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 needs the card activated and a first purchase within 3 months of opening; additional cardholders must be added while the offer runs.
20,000 points: worth $200 at 1¢ a point, or up to $400 on travel (2¢ a point). How that works
- 1Make your first purchase10,000 pts≈ $100 est.Year 1
- 2Spend $1,500 in your first 90 days10,000 pts≈ $100 est.Year 1
- First-year annual fee waived$89savedYear 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.) |
|---|---|---|
| Gas & Fuel | 1 pt per $ | 1¢ |
| Groceries | 1 pt per $ | 1¢ |
| Air Canada | 1 pt per $ | 1¢ |
| Everything else | 0.67 pts per $ | 0.67¢ |
What else you get
Perks
- Avis and Budget rental discount
At least 10% off base rates in Canada and the U.S. and at least 5% internationally, at participating Avis and Budget locations
Insurance · 8
- Flight and Trip Delay Insurance
Delays over 4 hours, up to $500 per insured person
- Delayed and Lost Baggage Insurance
Bags delayed 6+ hours or lost, up to $1,000 per insured person overall
- Rental Car Collision Damage Insurance
Rental car collision damage, rentals up to 48 consecutive days
- Hotel Burglary Insurance
Items stolen from your hotel or motel room, up to $2,500 per occurrence
Show all 8Show fewer
- Common Carrier Travel Accident Insurance
Accidental injury or death on a common carrier, up to $500,000
- Mobile Device Insurance
Loss, theft, damage or breakdown, up to $1,000
- Purchase Security
New items stolen or damaged within 90 days
- Extended Warranty
Doubles the manufacturer's warranty, up to 12 extra months
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 Oct 7, 2026.