TD Aeroplan Visa Platinum Review
Limited Time Offer
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 6, 2023.
for every $1 you spend on eligible grocery, gas and Air Canada® purchases, including Air Canada Vacations®.
for every $1.50 you spend on all other purchases.
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
as long as you are a TD® Aeroplan® Visa Platinum Primary Cardholder in good standing.
- Priority airport services No
- Airport lounge access No
- Concierge service No
- Balance protection(Optional) Yes
- Purchase Security & Extended Protection Insurance Yes
- Flight delay insurance,Baggage Insurance Yes
- Vehicle rental insurance Yes
- Travel accident insurance Yes
- Travel medical insurance Yes
- Annual Fee: $89
- Additional Card Fee: $35
- Purchases Interest Rate: 20.99%
- Cash Advance Interest Rate: 22.99%
- You're a Canadian resident
- You've reached the age of majority in your province or territory
- Delayed and Lost Baggage Insurance: Up to $1,000 of overall coverage per insured person towards the purchase of essentials, like clothes and toiletries, if your baggage is delayed for over 6 hours or lost.
- Flight/Trip Delay Insurance: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
- Common Carrier Travel Accident Insurance: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane or train).
- Hotel/Motel Burglary Insurance: Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.
- Auto Rental Collision/Loss Damage Insurance: Coverage for up to 48 consecutive days.
- Emergency Travel Assistance Services: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
- Purchase Security and Extended Warranty Protection:
You automatically have access to Purchase Security and Extended Warranty Protection, covering eligible new items you’ve purchased with your card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months. - Mobile Device Insurance:
Up to $1,000 of coverage in the event of loss, theft, accidental damage or mechanical breakdown for eligible mobile devices.
This card offers many of the same benefits as the Aeroplan Visa Infinite for a lower annual fee. This card carries an annual fee of $89 for the primary cardholder and $35 for additional cardholders. The annual interest rate is 20.99% on purchases and 22.99% on cash advances.
Like its premium counterparts, this card allows cardholders to earn Aeroplan miles on each purchase they make with the card. Cardholders earn 1 mile for each $1 spent on grocery, and gas purchases. Cardholders earn 1 mile for every $1.50 spent on all other purchases. This card also offers the same double points bonus for purchases made at participating retail partners when the cardholder also presents his or her Aeroplan membership. Additional benefits include a variety of travel insurance products such as baggage insurance, flight delay insurance, and auto rental insurance, as well as discounts on rental cars rented through Avis Rent A Car and Budget Rent A Car.
This card offers a welcome bonus of up to 20,000 miles on the first purchase and and 1st Additional Cardholder for the first year and earn a Welcome Bonus of 10,000 Aeroplan points when you make your first Purchase with your Card.
There is no minimum income requirement to apply for this card. Applicants simply must be Canadian residents who have reached the age of majority in their province or territory.
The bottom line: This card is perfect for frequent travelers who don't need the comprehensive suite of travel insurance products included with the Aeroplan Visa Infinite card. This card still allows cardholders to earn valuable miles, which do not expire, toward any Air Canada flight.
The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.
^The up to $500 value is based on the combined total value of:
- The annual fee waiver for the first year ($89), plus one additional cardholder ($35);
- The 20,000 Aeroplan points upon approval of your TD Aeroplan Visa Platinum card are redeemed for a flight reward ($400), based on over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of May 31, 2021. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 - May 31, 2021;
Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions.
1 Must apply by May 29, 2022. Welcome Bonus of 10,000 Aeroplan points 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. For Residents outside of Quebec: To receive the additional bonus 10,000 Aeroplan points you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 10,000 Aeroplan points, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates, you must add your Additional Cardholders by May 30, 2022. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points and additional bonus Aeroplan points awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and additional bonus Aeroplan points are awarded. Please allow up to 10 - 14 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points and additional bonus Aeroplan points to be credited to your Aeroplan Member account.
2 Primary Cardholder remains liable for all charges to the account, including those made by any Additional Cardholder.
- 1 Aeroplan point (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or direct through Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or
- 1 Aeroplan point earned for each $1 on all other Purchases.
4 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. 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.
5 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. 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.
6 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. 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 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.
8 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them--it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit 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.
10 Provided by Avis Rent A Car System ULC. Minimum discount offers subject to discount code and to the terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometers/points charges only. Other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.
11 Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to the terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/points charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.
12 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. 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.
13 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.
14 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Travel Medical Insurance underwritten by TD Life Insurance Company. Some applications are subject to underwriting. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance which is issued if accepted for enrollment. Travel Medical Insurance can be purchased by calling 1-866-374-1129 or visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions than the Travel Medical Insurance that is automatically included with other TD Credit Cards.
15 All TD Canada Trust customers including TD Credit Cardholders are eligible to apply for optional Trip Cancellation and Trip Interruption Insurance, underwritten by TD Life Insurance Company (medical covered causes) and TD Home and Auto Insurance Company (non-medical covered causes). Claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance. Trip Cancellation and Trip Interruption Insurance can be purchased by calling 1-866-374-1129 or by visiting www.tdcanadatrust.com. Note that this optional insurance offers different benefits, on different terms and conditions than the Trip Cancellation/Trip Interruption Insurance that is automatically included with other TD Credit Cards.
16 TD Auto Club Membership is provided by AXA Assistance Canada Inc. an independent service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services.
17 Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificate of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.
18Uber Pass Complimentary Terms and Conditions
These Uber Pass Complimentary Terms and Conditions (“Complimentary Pass Terms”) together with the Terms and Conditions for Renewable Passes and Uber Terms of Use, Privacy Policy, Uber’s Community Guidelines and Uber Cash Purchase Agreement incorporated therein (collectively, the “Uber Terms”) govern the enrollment and use of the limited time promotional complimentary Uber Pass monthly subscription (currently $9.99/month plus tax) of up to 3, 6 or 12 consecutive months (based on card type as shown in the offer) (“Complimentary Uber Pass”) offered by Uber Portier Canada Inc. (together with its parent, subsidiaries and affiliates) (collectively, “Uber”). In the event of any conflict between these Complimentary Pass Terms and the Uber Terms, these Complimentary Pass Terms shall govern as applied to the subject matter herein. Subject to the foregoing, undefined, capitalized terms in these Complimentary Pass Terms will have the meaning set forth in the Uber Terms. Please fully review these Complimentary Pass Terms and Uber Terms carefully to understand this offer.
This offer is only available to those Canadian Aeroplan program members who are cardholders of the TD® Aeroplan® Visa* Platinum Card, TD® Aeroplan® Visa Infinite* Card, TD® Aeroplan® Visa Infinite Privilege* Card, TD® Aeroplan® Visa* Business Card with an account that is open with active charging privileges and is not lost, stolen, closed or fraudulent (each, an “Eligible Card”) . The list of Eligible Cards may be amended at any time without notice.
To participate in this offer, a cardholder of an Eligible Card (an “Eligible Cardholder”) must enroll (“Participating Cardholder” or “you”) any time prior to September 8, 2022 (the “Enrollment Window”). Attempted enrollment outside the Enrollment Window will not qualify for a Complimentary Uber Pass. Eligible Cardholders that have an existing active auto-renewing Uber Pass subscription qualify and may enroll in this offer. Eligible Cardholders that have an existing complimentary Uber Pass subscription shall not qualify until their existing complimentary Uber Pass subscription terminates. Once enrolled in the Complimentary Uber Pass, a Participating Cardholder will not be charged the monthly subscription fee for their Complimentary Uber Pass for up to 3, 6, or 12 consecutive months (as shown in their offer)(the “Complimentary Pass Benefit Window”). If a Participating Cardholder has an existing active auto-renewing Uber Pass subscription at the time of enrollment in the Complimentary Uber Pass, then such Cardholder’s Complimentary Uber Pass will commence as of the first day of next billing cycle for the existing Uber Pass subscription.
To enroll in this offer, an Eligible Cardholder must: (i) download or update to the latest version of the Uber App or Uber Eats App; (ii) once the app is downloaded or updated, the Eligible Cardholder must sign into their existing Uber account or sign up to create a new account; (iii) during the Enrollment Window, add an Eligible Card (or already have an Eligible Card) as the method of payment in their Uber Account; (iv) be presented with the Complimentary Uber Pass offer in the Uber App or Uber Eats App; and (v) signify acceptance of the offer by following the activation instructions accompanying the offer. Once these steps are fully completed, such Eligible Cardholder will be enrolled as a Participating Cardholder in the Complimentary Uber Pass (currently $9.99/month subscription fee plus tax) for the applicable Complimentary Pass Benefit Window. Eligible Cards added to an Eligible Cardholder’s Uber account through a third party such as Apple Pay or PayPal will not qualify and will not be eligible for the Complimentary Uber Pass offer.
Once enrolled, a Participating Cardholder will receive a Complimentary Uber Pass subscription up to the applicable Complimentary Pass Benefit Window (as shown in your offer) beginning on the date of enrollment in the offer. To receive the Complimentary Uber Pass benefits more fully described on the Uber Pass landing page, you must use the Eligible Card used to enroll in the offer for purchasing eligible deliveries or trips in Canadian cities where Uber Eats or Uber Rides is available. It may take up to 48 hours for the Complimentary Uber Pass subscription to be available for use after enrollment.
When you enroll in this offer, you understand that the Uber Pass is an automatic monthly renewal subscription and, until cancelled by you, will automatically renew each month in accordance with the Terms and Conditions for Renewable Passes and agree that, at the end of your applicable Complimentary Pass Benefit Window, the selected payment method in your Uber App will be auto-billed at the then current Pass Rate (currently $9.99/month subscription fee plus tax), and will continue to be auto-billed at the then current Pass Rate until you elect to cancel your Renewable Pass. This means that at the end of your applicable Complimentary Pass Benefit Window Uber will collect the then current Pass Rate (currently $9.99/month subscription fee plus tax) by charging the selected payment method that Uber has on record in the Uber App for you without notifying you, unless notification is required by applicable law. You may confirm the date of your renewal within the Account Management Hub of the Uber Pass section in the Uber Eats App or Uber Rides App. If you want to cancel your subscription, you may do so within the Account Management Hub of the Uber Pass section in the Uber Eats App or Uber Rides App up to 48 hours before your next scheduled payment. If you want to cancel within 48 hours of your next scheduled payment, please contact Uber support.
If you choose to opt out of your Complimentary Uber Pass subscription prior to the end of your Complimentary Pass Benefit Window by turning off the auto-renew functionality in the Uber Eats App or Uber Rides App or if you cancel or remove your Eligible Card from your Uber account, your Complimentary Uber Pass subscription will be canceled at the end of the current month of your Complimentary Pass Benefit Window.
If you transfer to another Eligible Card, your Complimentary Uber Pass subscription offer may change. If you transfer to another Eligible Card or your Eligible Card expires or is replaced, or your card details change during your Complimentary Pass Benefit Window, you may need to remove your previous payment card and add your new Eligible Card details to continue enrollment in the Complimentary Uber Pass subscription. If your payment card details change and you do not update your new Eligible Card details prior to your next billing cycle, you will be unenrolled from Complimentary Uber Pass. Once you update your card details in the Uber Eats App or Uber Rides App, you will need to re-enroll to continue your Complimentary Uber Pass subscription. The offer will still expire at the end of the original Complimentary Pass Benefit Window from the date you first enrolled in this offer.
If you add a new Eligible Card to your Uber Eats App or Uber Rides App during the Enrollment Window, you will still only have access to one (1) Complimentary Uber Pass subscription per account and the offer will still expire at the end of the original Complimentary Pass Benefit Window from the date you first enrolled in this offer.
Eligible Cardholders are only entitled to receive this offer on one Uber Eats or Uber Rides account. If an Eligible Card is added to multiple Uber Eats or Uber Rides accounts, only the first Uber Eats account or Uber Rides account to which the Eligible Card is added will be eligible for the offer. You will only be entitled to one Complimentary Uber Pass subscription.
The Complimentary Pass Terms and the Uber Terms (including the Terms and Conditions for Renewable Passes) are subject to change in accordance with their terms. Neither Aeroplan nor any bank which issues Eligible Cards has any liability or responsibility for any such changes. Fulfillment of the offer is the sole responsibility of Uber. For purposes of fulfilling this offer, you understand and agree that Uber and the payment card network of the Eligible Cards will share certain information about your Eligible Card, including the Eligible Card type and updated Eligible Card information and activation status, as may be necessary to confirm your offer eligibility. Any information provided directly by you to Uber or that Uber obtains about you as an Uber Eats or Uber Ride customer or participant in this offer will be subject to Uber’s Privacy Policy and the Uber Terms. None of the banks that issue the Eligible Cards or their affiliates have any liability or responsibility for the products, goods or services offered or made available or purchased by Participating Cardholders using a Complimentary Uber Pass, Uber Eats or Uber Rides account.
To learn more about Uber Pass please visit the Uber Pass landing page.
19 Membership will auto-bill starting 6 months from initial enrollment at then-current monthly rate plus applicable taxes. You can cancel your membership anytime without fees or penalties. For cancellations less than 48 hours prior to renewal, head to Help in the Uber app. See app for availability, fees, terms, and conditions.
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