TD® Aeroplan® Visa Platinum* Card

Card Features

  • Welcome Bonus1 : Get up to 15,000 Aeroplan Miles (that's the equivalent to 1 short-haul roundtrip flight reward+) plus 1st year Annual Fee Rebate for the Primary Cardholder as follows: Welcome Bonus of 10,000 Aeroplan Miles when you make your first purchase with your Card + 5,000 Aeroplan Miles when you make $2,000 in purchases within 90 days of Account opening. 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

Insurance Features

  • Delayed and Lost Baggage Insurance6: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
  • Flight/Trip Delay Insurance7: Up to $500 in coverage if your flight/trip is delayed more than 4 hours.
  • Common Carrier Travel Accident Insurance7: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Auto Rental Collision / Loss Damage Insurance8: Coverage for up to 48 consecutive days.
  • Emergency Travel Assistance Services9: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.

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 online by September 3, 2019. Welcome Bonus of 10,000 Aeroplan Miles (“Welcome Bonus 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. To receive the additional 5,000 Aeroplan Miles, you must make $2,000 in Purchases on your Account, including your first Purchase within 90 days of Account opening. If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Rebate of the Annual Fee for the first year is for the Primary Cardholder only and will occur when you have applied for an Account by September 3, 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. 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. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. These miles are not eligible for Aeroplan status.

+ The number of Aeroplan Miles required for the destination is accurate as of February 7, 2019 of communication and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect a short-haul roundtrip 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

Sponsored Ad: Limited time offer, online only! Welcome Bonus1 : 15,000 Aeroplan® Miles upon first purchase plus pay no Annual Fee for the 1st year. Offer ends September 3, 2019. Conditions apply.

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