TD Aeroplan Visa Platinum

Overview

The TD Aeroplan Visa Platinum Card is TD Bank's entry-level Aeroplan card — the most accessible rung on TD's Aeroplan ladder. TD does not publish a stated minimum income requirement for this card (subject to normal credit approval), and there's no Visa Infinite threshold to clear. It carries an $89 CAD annual fee. The earn rate runs 1x Aeroplan point per $1 on gas, EV charging, groceries, and Air Canada purchases (up to $80,000 CAD in annual spend in those categories), and 1 point per $1.50 spent everywhere else, which works out to roughly 0.67x on general spending. Points accumulate directly in your Aeroplan account.

Who this card is for

This card is for Canadians who want to participate in Aeroplan but don't meet the income requirements for a Visa Infinite product, or who are earlier in their Aeroplan journey and want a straightforward earning card before upgrading later. It also suits existing TD banking customers who want to keep everything under one roof. The $80,000 annual cap on the bonus-rate categories is generous enough that virtually no one with this card's income profile will hit it.

Key benefits

The Aeroplan earn rate on everyday categories means your grocery and gas runs are building toward Air Canada flights. At 1x per dollar on $800 CAD monthly grocery spend, you're earning 9,600 Aeroplan points per year from groceries alone — a small but real contribution to a flight redemption over time. Preferred Aeroplan pricing on redemptions is included, which means you'll access lower points requirements on select Air Canada routes compared to non-cardholders.

A welcome bonus is available for new cardholders — typically a points award on first purchase plus an additional tranche after spending a threshold within 90 days. The first-year annual fee rebate is commonly offered as part of the welcome package. Basic travel insurance is included, along with purchase protection and extended warranty coverage.

Potential drawbacks

The 0.67x earn rate on non-bonus spending is one of the weakest base rates in the market. Cardholders who do a lot of general spending outside the gas and grocery categories will accumulate points slowly. The card doesn't include Maple Leaf Lounge access, NEXUS rebate, or priority airport benefits — those are reserved for higher-tier TD Aeroplan cards. If you've cleared the Visa Infinite income threshold, the TD Aeroplan Visa Infinite likely delivers better value for not much more in annual fee.

How it compares

The American Express Aeroplan earns 1.5x on groceries and dining at $120 CAD annually — a stronger food earn rate and slightly higher fee. If Amex acceptance isn't an obstacle, the Amex Aeroplan may generate more points for food-heavy spenders. Within the TD family, the TD Aeroplan Visa Infinite earns at 1.5x across more categories at $139 CAD — a $50 CAD step up in fee that most qualifying applicants would likely find worth it.

Bottom line

The TD Aeroplan Visa Platinum is the right starting point for Canadians who want a real Aeroplan-earning card without income gatekeeping. It won't generate points at an aggressive clip, but it keeps your grocery and gas spending pointed toward flights rather than a generic rewards bucket.