TD Aeroplan Visa Business Card

2 Aeroplan points per $1 on Air Canada purchases; 2 points per $1 at participating Hyatt hotels; 1.5 points per $1 on travel, transportation, dining and select business services; 1 point per $1 on everything else. TD states a maximum annual cap of $80,000 applies to the bonus earning categories. CONSERVATIVE READING: $80,000 shared across all bonus categories combined. TD does not state whether the cap resets on the calendar year or the account anniversary.

Up to 60,000 Aeroplan points: 10,000 on first purchase; 30,000 after $15,000 in spend within 180 days; 20,000 after $25,000 in spend within 365 days. Plus a first-year annual fee rebate for the primary cardholder and the first two additional cardholders ($149 + 2 x $49 = $247). No offer end date published.

Travel medical up to $2,000,000 per person per covered trip; 15 consecutive days for cardholders under 65 and only 4 days at 65 and over. Sub-limits inside the medical certificate: private duty nursing $5,000, accidental dental $2,000, return of deceased $5,000, vehicle return $1,000, bedside companion $1,500. Also carries trip cancellation/interruption, flight/trip delay, common carrier travel accident, delayed and lost baggage, auto rental collision/loss, purchase security, mobile device and hotel burglary insurance. TD's agreement lists these but the dollar limits are held in separate certificate sections and are recorded as null rather than assumed. Free first checked bag for the cardholder and up to 9 travellers on Air Canada. NEXUS application fee rebate up to $100 CAD once every 48 months. Aeroplan points do not expire while the card is held. TD's cardholder agreement makes the Cardholder, the Business Borrower and the Individual Borrower(s) jointly and severally liable. HEADLINE VS SUBSTANCE ON LOUNGE ACCESS: the Maple Leaf Lounge passes are earned at a rate of ONE PASS PER $10,000 SPENT, maximum 4 a year. A business spending under $10,000 a year on the card gets zero lounge visits despite 'lounge access' being marketed as a card benefit. Lounge_passes_per_year is recorded as 4 because that is the ceiling, but the realistic figure for most holders is 0. AGE CLIFF: travel medical drops from 15 days to 4 days at age 65. The 14.99% purchase rate is unusually low for a travel rewards card and is the main reason to prefer this over the TD Business Travel Visa, but the cash advance rate is still 22.99%. No free employee cards; the two rebated additional cards are a first-year welcome perk only. TD does not publish the foreign currency conversion fee anywhere public; the agreement defers to an unposted Disclosure Statement.