Status: checked against official sources; automated independent review
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How to check Aeroplan credit card lounge access
Aeroplan credit card lounge access is a benefit that belongs to a specific Aeroplan co-brand credit card, so it has to be checked against the exact card you hold rather than against Aeroplan as a whole. In Canada, TD Bank lists four TD Aeroplan Visa cards with annual fees from $89 to $599 as of 1 September 2026, and American Express Canada lists the American Express Aeroplan Reserve Card among its cards. [1] [3]
Facts checked: 18 October 2026
Key takeaways
- The Aeroplan co-brand cards sold in Canada are separate products from TD Bank and from American Express, and each issuer publishes its own card pages and terms. [1] [3]
- TD Bank lists four TD Aeroplan Visa cards, with annual fees of $89, $139, $149 and $599 as of 1 September 2026. [1]
- TD lists travel insurance, Aeroplan point earning and Air Canada airport perks, including savings on baggage fees, among the benefits of its Aeroplan cards. [1]
- TD states that its interest rates, fees and features are effective as of 1 September 2026 unless otherwise indicated, and are subject to change. [1]
Which Aeroplan co-brand cards are sold in Canada?
Aeroplan is a loyalty rewards and recognition programme operated by Aeroplan Inc., a subsidiary of Air Canada. [1] TD Bank presents its Canadian Aeroplan products as the TD Aeroplan Visa credit cards in Canada. [1] American Express Canada lists the American Express Aeroplan Reserve Card among its featured cards and carries an Aeroplan Rewards Cards section in its rewards menu. [3]
| Card | Annual fee |
|---|---|
| TD Aeroplan Visa Platinum Card | $89 |
| TD Aeroplan Visa Infinite Card | $139 |
| TD Aeroplan Visa Business Card | $149 |
| TD Aeroplan Visa Infinite Privilege Card | $599 |
These are the annual fees TD shows next to each card on its Aeroplan card pages. [1] TD also advertises first-year annual fee rebates on several of the cards as part of time-limited offers, which are conditional and are described under exceptions below. [1]
What do the Aeroplan card benefit lists cover?
TD describes its Aeroplan cards around three things: earning and redeeming Aeroplan points, a set of travel insurance coverages, and Air Canada travel perks at the airport. [1] Points are earned on all eligible purchases, and a cardholder can earn a second set of points by paying with the card and giving an Aeroplan number at more than 150 Aeroplan partner brands and at more than 200 online retailers through the Aeroplan eStore. [1]
The insurance items TD names are a suite of coverages for travel and collision coverage for car rentals. [1] The Air Canada perks are described in broad terms, as travelling more lightly through the airport and saving on baggage fees. [1] Points can be redeemed for flights, hotel rooms, car rentals, merchandise and gift cards. [1]
On the account side, a TD credit card account can carry up to three additional cardholders. [1] TD also ties the non-expiry of points to the primary cardholder of a TD Aeroplan card whose Aeroplan account is in good standing under the Aeroplan terms and conditions. [1]
How do you check the lounge benefit on a specific card?
Start with the exact product name, because the card family is not one product: TD's four Aeroplan Visa cards appear as separate cards with separate fees, [1] and American Express publishes its Aeroplan card on its own site rather than through TD. [3]
Next, read the terms on the date you will travel. TD states that its interest rates, fees and features are effective as of 1 September 2026 unless otherwise indicated, and are subject to change. [1]
Then check who the benefit covers. A TD account can have a primary cardholder plus up to three additional cardholders, [1] and TD's offer terms separate the primary cardholder from additional cardholders when setting out rebates, [1] so it is worth confirming whether a stated benefit applies to the primary cardholder, to additional cardholders, or to both.
Exceptions and limits
- Dated terms. TD's rates, fees and features are effective as of 1 September 2026 unless otherwise indicated and are subject to change, so an older copy of a card page may describe a different package. [1]
- Introductory offers are conditional. TD's Aeroplan Visa Infinite offer, effective 1 September 2026, requires approval while the offer is in effect, no TD-Aeroplan Visa card account opened in the previous 12 months, a first eligible purchase, and spending of $3,000 within 90 days and $12,000 within 365 days for the different bonus elements. [1]
- Bonus points can be lost. Incentive and bonus Aeroplan points may not be issued, or may be revoked, in circumstances set out in the Aeroplan general terms, and closing the account or transferring to another TD credit card account may forfeit bonus points not yet awarded. [1]
- Fee rebates are first-year only. The annual fee rebate applies to the first year of the account and depends on the card being activated and a first eligible purchase being made within three months of account opening. [1]
Frequently asked questions
Do all Aeroplan credit cards carry the same benefits?
TD's four Aeroplan Visa cards carry annual fees of $89, $139, $149 and $599 as of 1 September 2026, and American Express lists its Aeroplan Reserve Card as a separate product. [1] [3]
Do Aeroplan points expire while I hold an Aeroplan credit card?
TD says points will not expire provided 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]
Can I add other people to my Aeroplan credit card account?
A TD credit card account can have up to three additional cardholders, [1] and TD's first-year annual fee rebate offers can cover the primary cardholder and up to three additional cardholders, subject to conditions. [1]
How current are the card details on this page?
TD's interest rates, fees and features are effective as of 1 September 2026 unless otherwise indicated, and are subject to change. [1]
Sources
Sources checked on 18 October 2026. It covers Aeroplan co-brand credit cards issued in Canada by TD Bank and by American Express; Aeroplan elite status lounge access and Star Alliance lounge access are not treated here as card benefits.
- TD Aeroplan Visa credit cards in Canada, checked 18 October 2026
- American Express Canada Aeroplan cards, checked 18 October 2026