TD Aeroplan Visa Platinum: earn points, fees and how to apply
Earn Aeroplan points on everyday spending, with a lower annual fee. See the fees and how to apply
The TD Aeroplan Visa Platinum Card is a travel credit card from TD that earns Aeroplan points, the loyalty program of Air Canada.
It’s an entry-level Aeroplan card that earns points on everyday spending, includes travel insurance and has a lower annual fee than TD’s premium Aeroplan cards.
Below, you’ll find who the card is for, its benefits, fees and requirements, and how to apply.
Who is the TD Aeroplan Visa Platinum Card for?
The card is mainly for people who fly with Air Canada and want to earn Aeroplan points on their everyday spending.
You earn points on purchases like gas, groceries and Air Canada bookings, and you can redeem them for flights and other rewards.
It suits people who want an entry-level Aeroplan card with a lower annual fee, rather than a premium card with higher earn rates. To apply, you must be a Canadian resident and have reached the age of majority in your province or territory.
Credit card benefits
Here are the card’s main benefits.
Earning Aeroplan points
You earn 1 Aeroplan point for every $1 you spend on eligible gas, electric vehicle charging, grocery and Air Canada purchases, up to $80,000 in these categories per year. All other purchases earn 1 point for every $1.50.
You can redeem your points for any Air Canada seat available for cash, with no blackout periods, as well as for hotels, car rentals, merchandise and gift cards. With Aeroplan Family Sharing, up to 8 family members can pool their points. Points don’t expire while you’re the primary cardholder in good standing.
Discounts
You can save a minimum of 10% off the lowest available base rates at participating Avis and Budget locations in Canada and the U.S., and a minimum of 5% internationally.
Insurance and protection
The card includes several coverages when you meet the conditions:
- Delayed and Lost Baggage Insurance (up to $1,000 per insured person);
- Flight/Trip Delay Insurance (up to $500 per insured person for delays over 4 hours);
- Common Carrier Travel Accident Insurance (up to $500,000);
- Auto Rental Collision/Loss Damage Insurance (for rentals of up to 48 days);
- Hotel/Motel Burglary Insurance and Mobile Device Insurance (up to $1,000);
- Purchase Security and Extended Warranty Protection.
Coverage is subject to the terms, limits and exclusions in the Certificates of Insurance included with your cardholder agreement.
Main card details
- Card network: Visa;
- Type: can be used in Canada and abroad wherever Visa is accepted;
- Credit limit: set by TD based on your application;
- Annual fee: $89, rebated every year with a TD All-Inclusive Banking Plan;
- Additional cardholder: $35;
- Interest rates: 21.99% on purchases and 22.99% on cash advances;
- Does it accept clients with bad credit? TD doesn’t publish a minimum credit score. Approval depends on its credit assessment.
Rates and fees checked on September 22, 2026, against the official TD website (effective as of March 2, 2026). Confirm current terms on the TD website before applying.
Frequently asked questions
Here are answers to some common questions about the TD Aeroplan Visa Platinum Card.
Documents required to apply
TD doesn’t publish a full list of documents for this card. When you apply, you’ll provide your personal information, your address and your income and employment details, and TD will run a credit check.
How to contact the bank
You can contact TD through the TD app, the TD website, by phone or at a branch. For questions about applying for the card, TD lists the phone number 1-855-315-4325.
How to apply for the TD Aeroplan Visa Platinum Card?
You can apply for the card in a few ways:
- Online: go to the card’s page on the TD website and click “Apply now” to complete the application and get an instant response;
- By phone: call TD at 1-855-315-4325;
- In person: book an appointment or visit a TD branch.
Conclusion
The TD Aeroplan Visa Platinum Card can be a good option for people who fly with Air Canada and want an entry-level Aeroplan card with a lower annual fee.
Earning points on everyday purchases, redeeming for any Air Canada seat with no blackout periods, and sharing points with family can add value for this type of traveller. The fee rebate with a TD All-Inclusive Banking Plan helps existing TD clients.
At the same time, the earn rate is modest compared with TD’s Aeroplan Visa Infinite card, and the 21.99% interest rate makes the card expensive if you carry a balance. Before applying, consider how you plan to use the card and whether you can pay your balance in full each month.
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Legal Disclaimer: This website is independent and purely informational, and its content does not constitute financial advice. Finvyu is not affiliated with TD or Air Canada. We do not guarantee credit approval or card issuance, which are subject solely to the risk analysis of the Toronto-Dominion Bank. Finvyu Editorial Team.
