Out of all the Aeroplan credit cards that TD offers, the one that gets the least attention is the TD Aeroplan Visa Platinum Card. This shouldn’t be a huge surprise since it’s an entry-level credit card. Banks typically promote cards where there’s a higher minimum income requirement since it’s presumed those people have more money to spend.

Here’s the thing, although the TD Aeroplan Visa Platinum isn’t one of the best Aeroplan credit cards in Canada, it’s definitely an attractive option for people who are looking to earn Aeroplan points without paying an insane annual fee. Read my TD Aeroplan Visa Platinum review now and find out what benefits you’ll get.

TD Aeroplan Visa Platinum benefits

  • $89 Annual fee – first year free (Until March 2, 2020)
  • Get 10,000 Aeroplan miles as a welcome bonus after your first purchase
  • Earn 5X the Aeroplan miles for the first three months up to $1,000 in spending each month, up to 15,000 Aeroplan miles total
  • Earn 1 Aeroplan mile per $1 spent on grocery, gas and drugstore purchases
  • Earn 1 Aeroplan mile per $1.50 spent on all other purchases
  • Some travel insurance included
  • Purchase security and extended warranty protection
  • Discounts at participating Avis and Budget car rental locations

Similar to other TD credit cards that are co-branded with Aeroplan, the current sign up bonus is a multi-step process. You get 10,000 Aeroplan miles after your first purchase and you can earn up to 15,000 more miles by taking advantage of the 5X multiplier for three months. To maximize this, you’d have to spend at least $1,000 each month for the first three months.

The regular earn rate on the TD Aeroplan Visa Platinum is 1 Aeroplan mile per $1 spent on grocery, gas and drugstore purchases. All other spending gets you 1 Aeroplan point for every $1.5 spent. For an entry-level Aeroplan card, that’s not bad, but it’s disappointing that you don’t earn extra points on Air Canada purchases. 

Unlike the other TD Aeroplan credit cards, you don’t get any Air Canada benefits. That said, you do get some basic travel insurance (not medical or trip cancellation), purchase security, extended warranty protection and discounts at Avis and Budget car rental locations.

Clearly the TD Aeroplan Visa Platinum isn’t one of the best travel credit cards in Canada due to the below average welcome bonus and earn rate, but that shouldn’t be a dealbreaker for anyone.

How the TD Aeroplan Visa Platinum compares to others

The closest competition that the TD Aeroplan Visa Platinum has is the TD Aeroplan Visa Infinite card. With the Platinum card, there’s a personal income requirement of $60,000 or $100,000 for households. If you qualify for the higher tier card, you should get it since you’ll get a better sign up bonus and earn rate. 

It’s not exactly apples-to-apples, but you could also compare the TD Aeroplan Visa Platinum to the WestJet RBC Mastercard. The WestJet card gives you $50 WestJet dollars when you sign up, 1.5% back in WJ dollars on WestJet flights or WestJet Vacations packages and 1% on everything else. There’s also the annual companion voucher you get starting at $199 which has a lot of value.

It’s obviously not fair to compare Aeroplan to Westjet, but if you have the option, one could argue that WestJet Rewards is the better loyalty program and the WestJet RBC Mastercard is the better travel rewards credit card in Canada.

Final thoughts

My TD Aeroplan Visa Platinum review is positive. There’s no minimum income requirement and you get 10,000 Aeroplan miles after your first purchase. There’s no other way to earn that many points so quickly (unless you qulify for a higher tier card) which is why you need to consider this card if you want to start collecting Aeroplan Miles.

Apply Now for the TD Aeroplan Visa Platinum Card