Travel Rewards
Rewards
TD Aeroplan Visa Platinum Credit Card
TD Canada Trust
Current Welcome Offer
Earn up to 20,000 Aeroplan points + First-year fee waived.
Annual Fee
$89
$0
1st Year Free
Purchase APR
21.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$500
RateBuddy Verdict
The Good
- Highly accessible entry point to the Aeroplan program, lacking the strict $60,000 personal income requirement of the Visa Infinite version.
- Includes surprisingly strong coverage for a mid-tier card, featuring up to $1,000 in Mobile Device Insurance and full Car Rental Collision coverage.
- Provides a solid welcome bonus (up to 20,000 points) and a first-year annual fee rebate, making it completely risk-free to try out for a year.
The Trade-offs
- Does not include built-in Travel Medical or Trip Cancellation insurance (these are offered only as paid optional upgrades).
- The base earning rate on non-category purchases is quite low, generating only 1 Aeroplan point for every $1.50 spent.
- Lacks the signature Air Canada perks found on the premium tier, meaning you will not get a free first checked bag.
Rewards & Earnings
Groceries 1.00%
Dining & Takeout 0.67%
Gas & Transit 1.00%
Travel 1.00%
Base Rate 0.67%
Rewards Summary: Gas, Groceries & Air Canada: 1 Aeroplan point per $1; Base Earn: 1 pt per $1.50. Earn points twice at Aeroplan eStore.
- Gas, electric vehicle charging, grocery and direct through Air Canada® purchases: 1 Aeroplan pt/$1
- All other eligible purchases: 1 Aeroplan pt/$1.50
Welcome Bonus Details
Earn up to $500 in value. Get 10,000 points on first purchase. Earn an additional 10,000 points when you spend $1,500 within 90 days. Plus, get a first-year annual fee rebate.
Estimated Value: $500.00
Features & Benefits
First-Year Fee Waived
First-year annual fee rebate
Mobile Device Insurance
Up to $1,000 coverage
Car Rental Collision/Loss Damage Waiver
Coverage for up to 48 consecutive days
Extended Warranty Insurance
Included (Up to 12 months)
Purchase Security Insurance
Included
Flight Delay Insurance
Up to $500 per insured person (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
Additional Perks
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Insurance Coverage
Flight & Baggage Delay: Included; Car Rental Collision: 48 days; Hotel Burglary: $2,500; Mobile Device: $1,000; Purchase Security & Extended Warranty: Included. (Note: Travel Medical is optional/not built-in).
Rates & Fees Details
| Purchase APR | 21.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $89 |
| Supplementary Card | $35.00 |
| Income Required | No specific requirement listed. |