TD · Visa · Aeroplan
Reviewed 2026-07-06 · By The Points Standard editorial team
TD Aeroplan Visa Platinum Card
An entry-level on-ramp to Aeroplan, not a destination card. Most flyers should graduate to the Visa Infinite once the bag perk pays for itself.
Standard Score breakdown — Situational
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 5.50/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $89 |
| Welcome bonus | Up to 20,000 Aeroplan points (10,000 on first purchase + 10,000 on $1,500/90 days), plus first-year fee rebate — up to $500 in value |
| Est. bonus value | ≈ $420 |
| First-year net value | ≈ $460 |
Earn rates
| Gas, EV charging, groceries, Air Canada purchases (capped at $80,000/year) | 1x |
| Everything else | 1x per $1.50 |
Why it earns its score
- Cheapest entry point into direct Aeroplan earning, with the first-year fee waived
- Preferred Aeroplan redemption pricing as a cardholder
- Low bar to approval compared to the Visa Infinite tier
Where it loses points
- No checked-bag benefit — that's reserved for the Visa Infinite tier
- Base earn rate (1 pt per $1.50) is weak outside bonus categories
- $89 fee applies starting year two
Who it's for
Occasional Air Canada flyers who want to start earning Aeroplan directly before committing to the Visa Infinite's $139 fee.
Who should skip it
You check bags on Air Canada regularly — the TD Aeroplan Visa Infinite's bag perk alone clears its higher fee.
Included insurance
Purchase protection
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.