Whether you’re looking for a basic card or a premium option with exclusive travel perks, there’s a TD Aeroplan credit card tailored to your lifestyle.
TD Bank offers a suite of Aeroplan-branded credit cards designed to reward your everyday spending with travel points that can be used with Air Canada.
This guide walks you through the key card options, interest rates, how to apply, eligibility, and additional support details.
What are TD Aeroplan Credit Cards?
TD Aeroplan Credit Cards are a line of travel rewards credit cards offered by TD Canada Trust in partnership with Aeroplan, the loyalty program of Air Canada.
These cards are designed to help cardholders earn Aeroplan points on everyday purchases like groceries, gas, and travel.
The points can then be redeemed for flights, hotels, car rentals, and other travel-related perks through Aeroplan’s reward system.
These cards are ideal for frequent flyers and travel enthusiasts.
Types of TD Aeroplan Credit Cards
There are several types of TD Aeroplan credit cards, each tailored to different income levels and travel needs:
1. TD® Aeroplan® Visa Platinum Card
Annual Fee: $89 (rebated for the first year)
Interest Rates:
- Purchases: 20.99%
- Cash Advances: 22.99%
Reward Structure:
- 1 Aeroplan point per $1 spent on gas, groceries, and Air Canada purchases
- 1 point per $1.50 on other eligible purchases
Welcome Bonus: Up to 20,000 Aeroplan points
Eligibility: No minimum income requirement
Best for: Entry-level users or students starting to build credit and earn travel rewards
2. TD® Aeroplan® Visa Infinite Card*
Annual Fee: $139 (first year waived)
Interest Rates:
- Purchases: 20.99%
- Cash Advances: 22.99%
Reward Structure:
- 1.5 Aeroplan points per $1 spent on gas, groceries, and eligible Air Canada purchases
- 1 point per $1 spent on all other purchases
Welcome Bonus: Up to 40,000 Aeroplan points
Additional Perks:
- Free first checked bag for up to 9 travelers on Air Canada flights
- NEXUS fee rebate every 48 months
- Travel insurance package
Eligibility: Minimum $60,000 personal or $100,000 household income
Best for: Frequent travelers who fly Air Canada
3. TD® Aeroplan® Visa Infinite Privilege Card
Annual Fee: $599
Interest Rates:
- Purchases: 20.99%
- Cash Advances: 20.99%
Reward Structure:
- 2 Aeroplan points per $1 on Air Canada purchases
- 1.5 points per $1 on travel, dining, grocery, and gas
- 1.25 points per $1 on all other eligible purchases
- Welcome Bonus: Up to 85,000 Aeroplan points
Exclusive Benefits:
- Maple Leaf Lounge access
- Air Canada Café access
- Worldwide Annual Companion Pass
- Priority services (boarding, baggage, check-in)
Eligibility: Minimum personal income of $200,000
Best for: High-income frequent flyers seeking luxury travel perks
Step-by-Step: How to Apply for a TD Aeroplan Credit Card
TD Bank offers a streamlined online application that can be completed in two ways, depending on your client status.
Option 1: Sign in as an Existing TD Client
If you already bank with TD, you can sign in to your EasyWeb or TD app account.
Your profile will automatically fill in some personal details.
This accelerates the application process and reduces the need to re-enter information.
Option 2: Apply as a New Client
If you don’t have a TD profile, you’ll be guided through a detailed application form with the following steps:
- Step 1: Personal Information: Enter your name, date of birth, Social Insurance Number (optional), and residency status.
- Step 2: Contact Information: Include your phone number, email address, and home address.
- Step 3: About Your Work: Specify your current employment status, employer name, occupation, and length of employment.
- Step 4: About Your Finances: Declare your annual personal and household income, monthly housing costs (rent/mortgage), and other liabilities.
- Step 5: Consent & Terms: Review TD’s terms of service and consent to a credit check.
Once submitted, most applicants receive a response within a few minutes. If additional information is required, TD may reach out for verification.
Eligibility Requirements
To apply, you must be a Canadian resident at the age of majority in your province or territory, and meet the income requirements (varies by card tier).
Having a good credit history is a boost to approval.
TD may request further documentation to verify your income or identity.
Tips to Maximize Your TD Aeroplan Card
There are some tricks and habits you can adopt to make your rewards with these cards even greater. You just have to make usual to apply them.
Book with Air Canada to earn bonus points and access exclusive perks. Focus on gas, grocery, and travel categories for accelerated rewards.
Use Aeroplan Family Sharing to combine points for redemptions and avoid high interest by paying your balance monthly.
Take Advantage of the NEXUS Credit, a great value if you travel frequently to the U.S.
Interest Rates and Fees Overview
Here’s a summary of the standard rates and fees (subject to change):
| Card | Annual Fee | Purchase Rate | Cash Advance Rate |
|---|---|---|---|
| Visa Platinum | $89 | 20.99% | 22.99% |
| Visa Infinite | $139 | 20.99% | 22.99% |
| Visa Infinite Privilege | $599 | 20.99% | 20.99% |
Note: Annual fees are rebated in the first year for some cards, subject to terms.
TD Contact Information
For questions or application support:
- General Inquiries: 1-888-751-9000
- Credit Card Support: 1-888-561-8861
- Website: Visit the TD Canada Trust site to view all Aeroplan card options
- Mailing Address (for credit card correspondence): TD Bank, N.A., 1701 Marlton Pike East, Suite 200, Cherry Hill, NJ 08003, Canada
Conclusion
TD Aeroplan credit cards are ideal for Canadians looking to make the most out of everyday spending while enjoying travel perks with Air Canada.
With multiple options based on your income level and travel frequency, TD offers flexibility whether you’re a casual points collector or a global traveler.
Explore your options, apply online, and start earning Aeroplan points today.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Rates, fees, and features are subject to change without notice; refer to TD’s official website or contact customer service for the most current and accurate information before applying.