Who this card is for
A good fit if you…
- Air Canada flyers who want Aeroplan on a Visa they can use at Canadian grocery stores and gas stations, without a Visa Infinite income test.
- Households that will put eligible gas, EV charging, grocery, and direct Air Canada purchases on this card so the 1x bonus-rate categories actually fire — and who will stay under or accept the annual cap.
- People who have not opened any TD Aeroplan Visa (Platinum, Infinite, Infinite Privilege, or Business) in the last 12 months if they care about the welcome points, and who pay in full.
- TD customers who prefer one login and Aeroplan landing in the same account they already use for flights, at a lower fee than Infinite.
Skip it if you…
- Anyone who does not fly Air Canada. TD has cash-back Visas that will annoy you less at renewal, and Platinum’s catch-all earn is a poor consolation prize.
- Applicants who already meet Infinite income. TD Aeroplan Visa Infinite currently pays 1.5x on the same grocery/gas/Air Canada list (still capped) and 1x on everything else — Platinum is not “Infinite lite” on earn, it is a step down.
- High spenders who will blow past the bonus-category cap and would rather have Infinite Privilege’s higher ongoing rates.
- People who need to carry a balance. Rewards cards with 20%+ purchase rates are a very expensive way to collect Aeroplan.
Pros and cons
Pros
- Visa Platinum acceptance is the practical advantage over Amex cobrands at Canadian grocers, gas stations, and small merchants, at a fee below Infinite.
- 1x Aeroplan on grocery, gas, EV charging, and Air Canada is still a useful cobrand mix if those are already your bills — you just do not get Infinite’s 1.5x.
- The welcome structure currently includes a first-purchase bonus and a modest spend bonus inside 90 days — easier gates than Infinite’s anniversary stack.
- You can keep banking, the credit card, and Aeroplan in a TD-centred workflow, then step up to Infinite later if income and spend grow.
- Eligibility currently asks for Canadian residency and age of majority rather than Infinite’s personal or household income figures.
Cons
- Everything else currently earns 1 Aeroplan point per $1.50, which is a 0.67x-class catch-all. Dining, Amazon, and general retail drag the blended rate down fast.
- The 1x bonus categories currently apply only up to a maximum annual amount of bonus-category spend. Heavy grocery shops can fall back to the weaker rate partway through the year.
- Authorized-user cards currently carry their own annual fee, which adds up for a family even at Platinum pricing.
- Check the issuer’s site for current insurance coverage. Do not assume travel medical coverage from the Platinum name; read TD’s certificate.
- Opening this card currently burns the 12-month TD Aeroplan welcome window for Infinite and Infinite Privilege as well. Do not collect Platinum as a stepping stone into a bigger bonus next month.
Fees and value: is the annual fee worth it?
First-year snapshot (estimate)
- Annual fee
- $89
- Estimated welcome bonus value
- up to $400
- Bonus minus fee (estimate)
- $311
This is a simple comparison of the estimated welcome-bonus value against the annual fee. It ignores rewards on spending, credits you have to remember to use, and interest if you carry a balance. Offers change — verify with the issuer.
Use the fee table. The headline annual fee and the detail line currently agree at an $89-class Platinum card, which is simpler than Infinite’s headline-versus-detail quirk.
Set that fee beside the estimated welcome-bonus value. Year one can look fine if you make a first purchase and hit the 90-day spend — those gates are modest compared with Infinite’s staged year.
Year two is the fee versus 1x grocery/gas/Air Canada and 1 point per $1.50 on everything else. If you already qualify for Infinite, paying less for a weaker earn mix is not thrift.
Additional cards are extra. Offers change.
None of the bonus value is worth interest charges.
Rewards and earn rates explained
Rewards program: Aeroplan Points
This card earns Aeroplan points. Eligible gas, EV charging, grocery, and purchases made directly with Air Canada (including Air Canada Vacations) earn 1 point per dollar, up to the annual bonus-category cap listed in the detailed benefits (an $80,000-class cap in the current text).
All other purchases earn 1 point per $1.50. After the cap, bonus categories drop toward that weaker rate.
Compare that with Infinite’s current 1.5x on the same grocery/gas/Air Canada list and 1x on everything else — Platinum is not a 1.5x card with a cheaper sticker. Redemptions are Aeroplan flight rewards, partner airlines, and the usual merchandise and vacation options.
If you buy Air Canada tickets on this Visa, you get both the cobrand earn and a card that the airline’s checkout will take without a network surprise.
Welcome bonus: how to unlock it
Up to 15,000 Aeroplan points
The current welcome path has two gates: bonus points on the first purchase, then a smaller additional deposit if you hit a listed spend amount within 90 days of opening. You need both to match the “up to” point total and the estimated dollar value.
Eligibility currently requires approval while the offer is in effect and no TD Aeroplan Visa account of several types — Platinum, Infinite, Infinite Privilege, or Business — opened in the last 12 months. That exclusion is shared with the Infinite cards, so a Platinum approval is not a harmless test drive.
Read the live TD offer, not just this summary. Do not force extra spend to clear a $1,000-class hurdle if that is not already in the budget.
Welcome bonus eligibility: To be eligible for this offer, you must: (i) be approved for a TD Aeroplan Visa Platinum Card account (" Account ") while this offer is in effect, and (ii) not have opened any TD-Aeroplan Visa Card account (e.g., Platinum, Infinite, Infinite Privilege or Business] in the last 12 months.
FAQ
Is the TD Aeroplan Visa Platinum Credit Card worth it in 2026?
It is worth it for Air Canada households that want a Visa cobrand, cannot meet Infinite income, and will use 1x grocery/gas/Air Canada. It is not worth it if you already qualify for Infinite, you fly WestJet, or you will carry a balance.
TD Aeroplan Platinum vs TD Aeroplan Visa Infinite?
Infinite currently lists 1.5x on grocery, gas, EV, and Air Canada (still capped) and 1x on everything else, at a higher fee and Infinite income. Platinum currently lists 1x on that bonus list and 1 point per $1.50 elsewhere, at a lower fee and no Infinite income bar. Choose Infinite if you can. Choose Platinum if Infinite is the card you would be declined for.
TD Aeroplan Platinum vs CIBC Aeroplan Visa Infinite?
CIBC Aeroplan Infinite is a Visa Infinite cobrand with a 1.5x grocery/gas/Air Canada-style mix in that review, at Infinite income. Platinum is TD’s accessible rung. Choose the bank you already use, then compare live welcome offers and whether you can pass Infinite income at either issuer.
TD Aeroplan Platinum vs American Express Aeroplan?
TD Platinum wins on Visa acceptance at grocers that skip American Express. Amex Aeroplan typically wins on dining earn, with weaker grocery coverage. If you can hold only one cobrand and you qualify for Infinite or Amex, skip Platinum. If Visa at the supermarket is the constraint and Infinite income is not in reach, Platinum is the TD door.
Does this card charge foreign-exchange fees?
Most Canadian Visa Platinum cards add a foreign-conversion fee on foreign-currency transactions. This cobrand is not marketed as a no-FX card. For trip spend, compare Scotiabank Passport Visa Infinite, and confirm TD’s current FX rate in the cardmember agreement.
Compare related cards and guides
More Canadian credit card lists that match this product, plus a few cards people usually compare it with.
- TD Aeroplan Visa Infinite Card review · TD · $139 annual fee
- CIBC Aeroplan Visa Infinite Card review · CIBC · $139 annual fee
- American Express Aeroplan Card review · American Express · $120 annual fee
