TD Aeroplan Visa Platinum Card

TD's exact wording: '1 Aeroplan point for every $1' spent on gas, EV charging, groceries and purchases made directly with Air Canada, subject to an annual cap of $80,000 in qualifying purchases; and '1 Aeroplan point for every $1.50' on all other purchases (restated as 0.67 points per $1 for earn_base). Conservative reading: the $80,000 cap is a single shared cap across all four accelerated categories, not $80,000 per category. TD does not state whether the cap runs on the calendar year or the account anniversary. Aeroplan partner brands and the Aeroplan eStore pay additional points when the Aeroplan number is supplied.

Up to $500 in first-year value: 10,000 Aeroplan points on the first purchase, a further 10,000 points when $1,500 is spent within 90 days, and a first-year annual fee rebate for the primary cardholder and up to three additional cardholders. Offer effective March 2, 2026; TD publishes no expiry.

Delayed and Lost Baggage up to $1,000; Flight/Trip Delay up to $500 for delays of 4+ hours; Common Carrier Travel Accident up to $500,000; Hotel/Motel Burglary up to $2,500; Mobile Device Insurance up to $1,000; Auto Rental Collision/Loss Damage for rentals up to 48 consecutive days; Purchase Security and Extended Warranty Protection. No emergency travel medical insurance and no trip cancellation or interruption insurance. The four accelerated categories share a single $80,000 annual cap; TD's marketing shows '1 point per $1' with the cap only in the footnote. The base earn is 1 point per $1.50, i.e. Below one point per dollar. The card earns less than 1x on most spend. No emergency travel medical insurance despite being an airline co-brand. Annual fee rebate is first year only. TD does not publish the FX fee for this card anywhere we could fetch.