Travel Rewards
Business
Rewards
TD Aeroplan Visa Business Card
TD Canada Trust
Current Welcome Offer
Earn up to 60,000 Aeroplan points + First-year fee waived for you and 2 employees.
Annual Fee
$149
$0
1st Year Free
Purchase APR
14.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$1900
RateBuddy Verdict
The Good
- Uniquely features a low 14.99% standard purchase interest rate, providing a great safety net for businesses managing cash flow.
- The free first checked bag perk covers the primary cardholder and up to 8 travel companions on Air Canada, perfect for group business trips.
- Allows businesses to earn up to 4 Maple Leaf Lounge passes annually simply by running their standard business spending through the card.
The Trade-offs
- To unlock the full 60,000-point welcome bonus, your business must be able to spend $25,000 on the card within the first 12 months.
- Unlike premium personal cards, it does not include built-in airport lounge access on day one; the passes must be earned via spending.
- While it offers 1.5x points on Electric Vehicle charging, standard gas station purchases only earn the base 1 point per dollar.
Rewards & Earnings
Groceries 1.00%
Dining & Takeout 1.50%
Gas & Transit 1.00%
Travel 2.00%
Base Rate 1.00%
Rewards Summary: Air Canada: 2 pts per $1; Travel, Transit, Dining, EV Charging & Select Business (Shipping/Internet/Cable/Phone): 1.5 pts per $1; Base Earn: 1 pt per $1.
- Eligible purchases made directly with Air Canada® including Air Canada Vacations®: 2 Aeroplan pts/$1
- Travel & transit, dining, electric vehicle charging: 1.5 Aeroplan pts/$1
- Select business categories (shipping, internet, cable and phone services): 1.5 Aeroplan pts/$1
- All other eligible purchases: 1 Aeroplan pt/$1
Welcome Bonus Details
Earn up to $1,900 in value. 10,000 pts on first purchase; 30,000 pts after spending $15k in 180 days; 20,000 pts after spending $25k in 365 days. Plus, a first-year annual fee rebate for the Primary Business Cardholder and first two Additional Cardholders.
Estimated Value: $1900.00
Features & Benefits
Travel Medical Insurance
Up to $2 million (15 days for age <65; 4 days for age 65+)
First-Year Fee Waived
First-year annual fee rebate for primary and up to 2 additional cards
Free Checked bag
Free first checked bag for you and up to 8 companions on Air Canada
Mobile Device Insurance
Up to $1,000 coverage
Car Rental Collision/Loss Damage Waiver
Coverage for up to 48 consecutive days
Trip Cancellation/Interruption Insurance
Up to $1,500 cancellation / $5,000 interruption
Extended Warranty Insurance
Included (Up to 12 additional months)
Purchase Security Insurance
Included (90 days)
Low Purchase Interest
14.99% ongoing rate on purchases
NEXUS Application Fee Rebate
Up to $100 CAD rebate once every 48 months
Flight Delay Insurance
Up to $500 in coverage (4+ hours)
Baggage Delay/Loss Insurance
Up to $1,000 for delayed or lost baggage
Common Carrier Accident Insurance
Up to $500,000 coverage per person
Hotel/Motel Burglary Insurance
Up to $2,500 coverage per occurrence
Expense Management Tools
Includes TD Card Management Tool for spend controls
Higher Earning on Business Categories
1.5x points on shipping, internet, cable and phone services
Employee Cards
Additional cards are $49/year (First 2 are free in year one)
Additional Perks
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Insurance Coverage
Travel Medical: $2M (15 days under 65); Trip Cancel/Interrupt: $1.5k/$5k; Flight & Baggage Delay: Included; Car Rental: 48 days; Hotel Burglary: $2,500; Mobile Device: $1,000; Purchase Security & Extended Warranty: Included.
Rates & Fees Details
| Purchase APR | 14.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $149 |
| Supplementary Card | $49.00 |
| Income Required | No specific requirement listed. |