TD Aeroplan Visa Platinum Review

If you’re looking for a TD Aeroplan Visa Platinum review, then you’re clearly looking for an entry-level Aeroplan card. The good news is that even this basic card can earn you a lot of Aeroplan points. It may lack extra benefits, but it’s still great if you want to fly for less.

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 Card

The welcome bonus for the TD Aeroplan Visa Platinum card is pretty impressive for an entry-level card. You can earn up to 20,000 Aeroplan points.

The regular earn rate on the TD Aeroplan Visa Platinum is 1 Aeroplan point per $1 spent on gas, groceries, and purchases made with Air Canada, including Air Canada Vacations. 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 mobile device insurance.

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.

TD Aeroplan Visa Platinum travel insurance

• Flight/trip delay – up to $500 / 4 hours
• Delayed and lost baggage – up to $1,000 / 6 hours
• Common carrier travel accident – $500,000
• Hotel/motel burglary – $2,500
• Auto rental collision / loss damage – 48 consecutive days / $65,000

As mentioned, the TD Aeroplan Visa Platinum Card comes with limited travel insurance. Although there’s no travel medical insurance at all, what you do get is not bad.

Flight/trip delay and delayed/lost baggage can come in pretty handy for obvious reasons. That said, I would never rely on this card alone for travel insurance unless you already have travel medical insurance from somewhere else such as your employer or a separate travel insurance policy.

How the TD Aeroplan Visa Platinum compares to others

The closest competition that the TD Aeroplan Visa Platinum has is the CIBC Aeroplan Visa Card. Although the CIBC card has no travel insurance, it also has no annual fee. Both cards have the same 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 a decent earn rate. There’s no other way to earn that many points so quickly (unless you qualify for a higher tier card) which is why you need to consider this card if you want to start collecting Aeroplan Miles.