TD Aeroplan Platinum Visa Card

First year rewards (up to)

Gift card
Spending
bonus
Monthly
bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending
rewards
Annual fee
Annual fee
(1st yr waived)
The total net reward is the dollar amount all your rewards will add up to, minus any annual fee you may have to pay. For a detailed explanation on how we calculated this number, check out the Points Calculator tab.
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Cash advance: 22.99%
%
Purchase interest rate
Cash advance: 22.99%
%
Balance transfer
% after months
Annual fee
(Waived)
Monthly
interest fee
after months
Required deposit
Apply now
Rewards
Earn points on each dollar you spend
How much do you spend on gas or in gas stations each month? Remember that even if you buy food or other items at a gas station, it will come up as a gas purchase on your cash back credit card statement. Gas
How much do you spend on groceries or in grocery stores each month? Remember that even when you purchase household items at the grocery store, they will show up as a grocery store purchase on your cash back credit card statement. Groceries
How much do you spend in drug stores each month? Remember that it doesn't matter if you pay for prescriptions, cosmetics, toiletries, food or anything else; it'll all show up as drug store purchases on your cash back credit card statement. Pharmacy
1  point per dollar
How much do you spend on everything else that doesn't fit into one of the other categories? Bus passes, cab fares, online shopping purchases, etc. are just a few examples of things that would show up as "other" purchases on your cash back credit card statement. Other purchases
1  point per dollar
Aeroplan mile per $1.50 spent
Calculator
Monthly spending by category

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First year rewards (up to)
First year rewards (up to)
For a limited time, you will receive a gift card from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details. Gift card
Some credit cards come with a spending bonus, which is given to the card holder after they complete a condition, such as making their first card purchase. The spending bonus may be in the form of points, cash, free merchandise, etc. Spending bonus
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
Some credit cards come with an anniversary bonus, to provide more incentive for people to continue using the card for multiple years. The anniversary bonus may be in the form of points, cash, free merchandise, etc, and is given to the card holder every year on the anniversary. Anniversary bonus
Based on the amount of spending you do each month, our tool determines how much you'll spend on an annual basis and calculates the potential rewards you could earn for doing so. Spending reward
Bills
Entertainment
Gas
Groceries
Other purchases
Pharmacy
Restaurants
Travel
This is the total number of rewards points you could earn in one year, based on the credit card's sign-up bonus and the amount you could potentially spend on the card. Total points
To find out how we determined the value of this point, click on the "Redeeming Points" tab and view the PDF to see the exact calculations. Value per 1pt
This is the dollar amount all your rewards will add up to. Total value
This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee
Total net reward
Redeem

Value of an Aeroplan Mile

The average dollar value of an individual Aeroplan Reward Point is $0.0120. To see how we calculated this, click here.

How to Redeem your Aeroplan Reward Points

Step by Step Guide

  • If you DO NOT have an online Aeroplan account and don’t know your Aeroplan number, call CIBC, TD or American Express (your credit card provider), give them your credit card number and they will give you your 9-digit Aeroplan number.
  • Once you have your Aeroplan number, you can create an account at aeroplan.com and login to redeem your miles.
  • If you DO have an online Aeroplan account, you can skip the first step and login at aeroplan.com.
  • To book a flight, select your travel dates, departure airport and destination.
  • Available flights are displayed with the amount of miles required to book. These amounts do not include taxes, fees and surcharges, which can range from $150 (for domestic flights) to greater than $700 (for Europe or Australia).
  • To redeem miles for a flight, you need to have at least 50% of the required miles; the remaining miles can be purchased by credit card.
  • While less popular, miles can be also be redeemed for hotels, car rentals, merchandise and activities.
Insurance
Benefits
If you use your credit card to rent a car, you will likely have some amount of collision and damage insurance. Collision and damage insurance protects you, the cardholder, in the event that a rental car is damaged and/or in an accident, while it's in your possession. Read the fine print in your agreement, before you rent your next car. Rental
Car rental collision / loss damage waiver
Miscellaneous insurance items for purchases on your credit card. Miscellaneous
  • Zero liability
  • Extended warranty
  • Purchase assurance
Reviews
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Card details

Network: VISA
Provider: TD
Card type: Rewards

Fees & interest

This is the annual fee you have to pay, in order to use this credit card. The annual fee is charged once per year and is added to your credit card statement. Annual fee: $89
This is the annual interest rate you will pay on purchases, if/when you can't pay off the entire balance by the payment due date outlined on your credit card statement. Purchase interest rate: 19.99%
This is the interest rate you will pay on cash advances. Unlike regular purchases, which come with a grace period, interest on cash advances starts to accrue the day you complete the transaction. Cash advance: 22.99%
This is the interest rate you will pay on balance transfers. Unlike regular purchases, which come with a grace period, interest on balance transfers starts to accrue the day you complete the transaction. Balance transfer: N/A

Eligibility

This is the annual income requirement to be eligible for this credit card. Income: $12K / Year
This is the total annual family income requirement to be eligible for this credit card. Only applicable if the applicant does not meet the annual income requirement themselves. Household income: Any amount
  • Be a permanent Canadian resident
  • Have reached the age of majority in the province in which you live (18 yrs in AB, MB, ON, PE, QC, SK. 19 yrs all others)

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Earn $150 in bonus points for travel with your first $1000 in everyday purchases + 4x the points on groceries, gas, dining, and entertainment.

0.99% introductory interest rate on balance transfers for the first 6 months.

No foreign transaction fees + 1% cash back on all of your purchases + free roadside assistance.

Welcome Offer: Earn 2.5% cash back on purchases for the first 3 months. Earn 1.25% cash back thereafter.

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Get more details

  • Get up to 10,000 Aeroplan Miles1 with a TD Aeroplan Visa Platinum Card
  • Earn 1 mile for every $1 you spend on gas, grocery and drug store purchases using your Card2
  • Earn 1 mile for every $1.50 you spend on all other purchases using your Card3
  • Earn miles twice4 when you pay with your TD Aeroplan Visa Platinum Card and present your Aeroplan Membership Card at over 150 Aeroplan partner brands and with 100 online retailers through Aeroplan’s eStore. Visit aeroplan.com for a list of participating Aeroplan partners.
  • The protection of valuable insurances5
  • No miles expiry as long as you are a Cardholder