TD Aeroplan Credit Cards

Which TD Aeroplan cards are there and what do they cost?

TD's Aeroplan line-up in Canada contains three consumer Visa cards, plus a Visa Business card that is a separate commercial product. [1] The published annual fees, interest rates and features below are stated as effective on 1 September 2026 unless TD indicates otherwise, and are subject to change. [1]

The higher-tier cards differ mainly in the size of their welcome offer, the annual fee and the value TD places on the first-year rebate: the Infinite offer counts a $139 primary annual fee and a $75 additional-cardholder fee as rebated, while the Platinum offer counts $89 and $35. [1] A TD credit card account can carry up to three additional cardholders. [2]

What welcome offers do the TD Aeroplan cards carry?

TD frames each card offer as a combined first-year value and then breaks the value into points plus a first-year annual fee rebate. [1] The points component of the two lower-tier offers is earned in stages.

To qualify for the Infinite or Platinum offer, the applicant must be approved while the offer is in effect and must not have opened any TD-Aeroplan Visa card account in the previous 12 months. [1] The first-year annual fee rebate on the Infinite is released only if the primary cardholder activates the card and makes a first eligible purchase within the first three months after account opening, and any additional cardholders must be added within three months; the rebate then appears within two monthly statements of the first statement that carries the annual fee. [1]

On the Infinite, TD values the first checked bags for two people on a round-trip flight at $140 and a NEXUS application fee statement credit of up to $100 CAD per primary and additional cardholder at $200, with the remaining $1,000 coming from the 50,000 points at a valuation of two cents per point. [1] Cardholders should expect up to eight weeks after meeting each condition for bonus points to reach the linked Aeroplan account, which must belong to the primary cardholder. [1]

How do you earn and redeem Aeroplan points with TD?

TD says cardholders earn Aeroplan points on all eligible purchases and earn more in additional purchase categories. [1] Points can be earned twice on the same spend when the cardholder pays with the card and supplies an Aeroplan number at more than 150 Aeroplan partner brands and at over 200 online retailers through the Aeroplan eStore. [1] Cardholders who link a TD Aeroplan Visa card to a Starbucks Rewards account earn 50% more Aeroplan points, plus extra Starbucks Stars, at participating Starbucks stores under conditions set by the programme. [1]

On redemption, TD describes Aeroplan as making every Air Canada seat that can be bought for cash available for points, with no restrictions and no blackout periods, and points can also go toward hotel rooms, car rentals, merchandise, experiences and gift certificates. [1] Aeroplan points have no cash value, and the retail value of the rewards obtained varies with the type of reward. [1]

Two further benefits apply across the TD Aeroplan cards. TD says points will not expire while the cardholder remains the primary cardholder of a TD Aeroplan card and the Aeroplan account is in good standing. [1] The cards also come with a suite of travel insurance coverages, including collision coverage for car rentals, and with Air Canada travel perks such as a free first checked bag, subject to conditions. [1] [2]

Exceptions and limits

• Offer eligibility is narrow. The Infinite and Platinum offers exclude anyone who has opened a TD-Aeroplan Visa card account in the last 12 months, and the account must be in good standing when bonus points are issued. [1]
• Bonus points can be withheld or revoked. Aeroplan programme terms allow TD and Aeroplan to decline or revoke incentive points, for example where the applicant has already received welcome or other incentive Aeroplan points for a new Aeroplan credit card with TD or another issuer of the same card category type. [1]
• Closing the account. Closing the account or moving to another TD credit card account may forfeit any bonus points not yet awarded. [1]
• Offers are not stackable. Each offer cannot be combined with another offer unless TD says otherwise, and TD reserves the right to limit the number of accounts one person may open and to change, suspend or withdraw an offer at any time. [1]
• Not a TD consumer card. The TD Aeroplan Visa Business Card is a business product with its own $149 annual fee and 14.99% purchase interest, and is not one of the three consumer cards compared above. [1]
• Other issuers are outside this profile. Aeroplan cards issued by CIBC or by American Express are separate products with their own terms, so a rule described here for a TD card does not carry across to them. [1]

Frequently asked questions

How much does a TD Aeroplan credit card cost?

As of 1 September 2026 the consumer cards carry annual fees of $89 for the Visa Platinum, $139 for the Visa Infinite and $599 for the Visa Infinite Privilege, each with 21.99% interest on purchases and 22.99% on cash advances. [1]

Do Aeroplan points expire if I hold a TD Aeroplan card?

TD states that your points will not expire as long as you are the primary cardholder of a TD Aeroplan credit card and your Aeroplan account is in good standing under the Aeroplan terms and conditions. [1]

How do I earn the TD Aeroplan Visa Infinite welcome bonus?

The offer pays 10,000 points after the first eligible purchase, 15,000 more once $3,000 in net purchases is made within 90 days of account opening, and a 25,000-point anniversary bonus if the account stays open for 12 months and $12,000 in net purchases is made within 365 days. [1]

Which TD Aeroplan card has the largest published offer?

The Visa Infinite Privilege, which TD advertises at up to $3,300 in value including up to 100,000 Aeroplan points, with conditions applying. [1]

Can the annual fee be rebated in the first year?

Both the Infinite and the Platinum offers include a first-year annual fee rebate; the Infinite requires the cardholder to activate the card and make a first eligible purchase within three months of account opening before the rebate is applied. [1]

Related pages

Programme: Aeroplan. Other issuers: Aeroplan credit cards from CIBC, Aeroplan credit cards from American Express. Comparisons and background: Aeroplan co-brand cards compared, Aeroplan credit card lounge access, Aeroplan credit card travel insurance, glossary of terms.

Sources

Sources checked on 18 October 2026. CIBC-issued, American Express-issued and business Aeroplan cards are not covered here; see the Aeroplan co-brand comparison for the wider line-up.

1. TD Aeroplan Visa credit cards in Canada, checked 18 October 2026
2. TD Canadian credit cards overview, checked 18 October 2026