TD® Aeroplan® Visa Platinum Card

About TD® Aeroplan® Visa Platinum Card

A TD® Aeroplan® Visa Platinum Card is a good option for frequent travelers. This credit card provides regular interest rates and extensive opportunities to earn Aeroplan reward points.

With occasional special offers, new TD® Aeroplan® Visa Platinum Card applicants can earn bonus Aeroplan points upon meeting the spending requirements within a given period and waive annual fees for the first year.

TD® Aeroplan® Visa Platinum Card features

A TD® Aeroplan® Visa Platinum Card features a 19.99% interest rate on purchases and 22.99% — on cash advances. 

Using the benefits of a TD® Aeroplan® Visa Platinum Card will cost you $89 per year, and each additional card will cost you $35 per year. New applicants can waive annual fees with a special offer.

The minimum credit limit with this credit card is $1,500. 

With limited-time welcome offers, you can earn extra Aeroplan reward points for spending certain amounts with your TD® Aeroplan® Visa Platinum Card during a given period.

Along with Aeroplan reward points earned with a special offer, you can earn rewards regularly when making your everyday purchases.

For purchases made with your TD® Aeroplan® Visa Platinum Card at merchants classified by Visa as “gas,” “grocery,” or "Air Canada" up to a maximum annual amount of $80,000, you will earn 1 Aeroplan point for every $1 spent. Eligible purchases made with your TD® Aeroplan® Visa Platinum Card at other merchant categories will bring you 1 Aeroplan point for every $1.5 spent.

Purchases from select Aeroplan partner brands and online retailers made with your TD® Aeroplan® Visa Platinum Card at the Aeroplan eStore can bring you twice more points. Paying with your TD® Aeroplan® Visa Platinum Card at Starbucks locations will bring you 50% more Aeroplan points (provided you link your credit card with your Starbucks Rewards account).

There is a range of redemption opportunities for the Aeroplan reward points you’ve earned, including:

• Booking flights with Air Canada 

• Ordering flight extras and upgrades

• Booking hotel rooms, travel experiences, and car rentals

• Buying merchandise and gift certificates at Aeroplan eStore

TD® Aeroplan® Visa Platinum Cardholders get the following benefits from TD partner integrations:

• Saving 5-10% off the base rates on car rentals at participating Avis and Budget locations in Canada and the U.S.

• Earning 50% ore Stars at participating Starbucks locations

A TD® Aeroplan® Visa Platinum Card qualifies for TD Payment Plans allowing you to convert your purchases of $100 and more into manageable monthly payments with a lower fee and zero interest. The fees for these plans vary depending on the chosen term:

• 4% for a 6-month plan

• 6% for a 12-month plan

• 8% for an 18-month plan

A TD® Aeroplan® Visa Platinum Card features a range of valuable insurance coverages, such as flight or trip delay and insurance, delayed or lost baggage insurance, common carrier accident insurance, hotel burglary insurance, auto rental collision, and loss damage insurance, mobile device insurance, purchase security, and extended warranty insurance.

Pros and cons

Let’s outline the key benefits of a TD® Aeroplan® Visa Platinum Card:

• Reward-earning and redemption opportunities from Aeroplan

• Benefits from partner integrations

• Eligibility for TD Payment Plans

• Contactless payment through digital wallets

• No minimum income requirements to apply

Still, there are certain drawbacks to be aware of:

• An $89 annual fee

• The lack of exclusive privileges from Visa

• The lack of travel medical insurance and trip cancellation and interruption insurance

How to apply for a TD® Aeroplan® Visa Platinum Card

TD Bank accepts applications for a TD® Aeroplan® Visa Platinum Card online, by phone, or at your local branch. 

To apply for this credit card online, click the “Apply online” button on the page with its description. If you already have an EasyWeb online banking account, sign in to it using your login credentials. If you are new to TD, click the “Apply Online” button and fill out an application form with the following details:

• Your province of residence

• Your personal information (including your first name, middle name, last name, title, and date of birth)

• Your social insurance number

• Your phone number

• Your email

• Your address

• Your employment details (including your employment status, employer’s name, industry, occupation, work phone number, and the date since when you’ve been employed)

• Your gross annual personal income

• Other household income

• Your residential status (own, rent, live with parents, or board)

• Your housing expenses (monthly mortgage payment, property tax, gas/electricity cost, condo fee, and rent)

• The credit limit you need

• Whether you are an Aeroplan member 

• Whether you need to register additional cardholders

• Whether you want to enroll in the TD Credit Card Payment Protection Plan

After providing the required information, review the terms and conditions, and accept them to complete the application.

Applying for a TD® Aeroplan® Visa Platinum Card involves no minimum annual income requirements.