TD® Aeroplan® Visa Platinum* Card

Card Features

  • Apply by December 1, 2019 to get an Annual Fee Rebate1 for the Primary Cardholder for the first year and earn up to 25,000 Aeroplan Miles (equivalent to 1 long-haul roundtrip flight reward)1 as follows: Welcome Bonus of 10,000 Aeroplan Miles when you make your first Purchase with your card1. + Earn 2x Aeroplan Miles on eligible Purchases in the first three months up to a total of 10,000 Aeroplan Miles1. + Earn 5,000 Aeroplan Miles when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply1. This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • Earn Aeroplan Miles with every Purchase made on your Card and arrive at your dream destination sooner
  • The protection of valuable insurance
  • Earn 1 mile3 for every $1 spent on eligible grocery, gas, and drugstore purchases made with the Card (capped annually on the first $80,000 across these categories)
  • Earn 1 mile4 for every $1.50 spent on all other purchases made with the Card
  • Earn miles twice5 when you pay with your Card and present your Aeroplan Membership Number at participating partner brands and online retailers via the Aeroplan eStore
  • Your Aeroplan Miles don’t expire as long as you’re a TD Aeroplan Credit Cardholder
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this TD credit card, please click on the Apply Now button.

The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aeroplan Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program.

1 Must apply by December 1, 2019. Welcome Bonus of 10,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD Aeroplan Visa Platinum* Card Account (“Account”) only after the first Purchase is made on the Account. Rebate of the Annual Fee is for the first year for the Primary Cardholder only and will occur when you have applied for an Account by December 1, 2019. Rebate will be applied within 2 monthly statements from the date of Account opening. The Annual Fee for any Authorized User Cards added to the Account continues to apply. Welcome Earn Bonus of 2x in Aeroplan Miles ("Welcome Earn Bonus") applies to new Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective miles of 10,000 ("Welcome Earn Bonus Cap") on all purchases charged to your ("Account"). During the Welcome Earn Bonus promotional period, 2 Aeroplan Miles are earned for each $1.00 in Purchases of eligible gas, groceries and drugstore charged to your Account and 2 Aeroplan Miles are earned for each $1.50 for all other Purchases charged to your Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the Aeroplan Miles earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn Aeroplan Miles at the regular 1 Bonus Aeroplan Miles that applies to each $1.00 in Purchases of eligible gas, groceries and drugstore and 1 Aeroplan Mile to each $1.50 to all other eligible Purchases. To receive the additional 5,000 Aeroplan Miles for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 5,000 Authorized User Bonus Aeroplan Miles offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. Other conditions apply. If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Welcome Bonus and 2x miles earned through Welcome Earn Bonus are not eligible for Aeroplan status. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account.

The number of Aeroplan Miles required for the destination is accurate as of September 4, 2019  and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect one long-haul Fixed Mileage Flight Reward® in Economy Class departing from within Canada or the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Aeroplan Flight Rewards are subject to taxes, landing and departure fees, and other charges and surcharges may apply. Aeroplan Partners, rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit aeroplan.com.

2 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User.

3 One (1) Bonus Aeroplan Mile (“Bonus Rate”) is earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Credit Card Account (“Account”). Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries and drugstore products/services must be made at merchants classified through the Visa network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery” or “drugstore” category. Some merchants may sell gas, groceries or drugstore products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services, but may not be classified with a gas, grocery or drugstore MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $80,000 in net annual Purchases of gas, groceries or drugstore products/services. Once the maximum net annual amount has been reached, Purchases of gas, groceries and drugstore products/services on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

4 One (1) Aeroplan Mile is earned on each $1.50 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at tdcanadatrust.com/td/agreements).

5 This feature is available at over 150 Aeroplan Partner brands and 100 online retailers through Aeroplan’s eStore. The Toronto-Dominion Bank is not responsible for any Aeroplan Miles under this “earn miles twice” feature of the Aeroplan Program when the Aeroplan Membership Card is presented. See your Aeroplan Program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated Aeroplan Miles. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

7 Underwritten by Allianz Global Risks US Insurance Company (Canadian Branch). Details of insurance benefits, including terms, conditions, limitations and exclusions are outlined in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

8 Underwritten by TD Home and Auto Insurance Company. Car Rentals must be charged in full to the Card and/or associated Aeroplan Miles, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver coverage must be declined by the Cardholder. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Card Cardholder Agreement for rental exclusions and further details.

9 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

All trade-marks are the property of their respective owners.

* Trademark of Visa Int., used under license.

® Air Canada is a registered trademark of Air Canada, used under license.
Aeroplan® and the Aeroplan logo are registered trademarks of Aeroplan Inc.

The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Interest Rates

Purchase APR: 19.99%

Balance Transfer APR: 22.99%

Cash Advance APR: 22.99%

Annual Fee

$89 (Authorized User Cards: $35)

Pros

  • Start earning Aeroplan miles on your purchases with a relatively low annual fee.
  • Great insurance coverage for frequent travellers.

Cons

  • Not a low rate credit card.

Bonus Offer

Limited time offer! Earn up to 25,000 Aeroplan Miles (equivalent to 1 long-haul roundtrip flight reward)1 and first year no Annual Fee1 for the Primary Cardholder. Conditions Apply. Offer ends December 1, 2019.

Introductory Rates

Reward Earnings Rate

Additional Details

Grace Period: 21 days on all new purchases

Fees

Intro Balance Transfer Fee: Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.

Cash Advance Fee: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque).

Foreign Transaction Fee: 2.50%

Over Credit Limit Fee: $29