The ClearFin bottom line
✈️ Aeroplan Starter
Its strongest published earn rate in our data is 1.0% on groceries. The $89 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD Aeroplan Visa Platinum
Start with up to 20,000 Aeroplan points plus a first-year annual-fee rebate, worth about $400.
Independent comparisonFees includedCanadian card data
- Annual fee
- $89
- Reward type
- Aeroplan
- Welcome offer
- 20,000 pts
- Insurance
- 1 coverages
First year free
Current new-cardmember offer
Certificate terms apply
✈️ Aeroplan Starter
Welcome bonus
Up to 20,000 Aeroplan points plus a first-year annual-fee rebate
New cardmembers can earn up to 20,000 Aeroplan points plus a first-year annual-fee rebate by completing the steps below.
Offer details
New-account eligibility, purchase and account-standing conditions apply.
How you earn
- Earn 1 Aeroplan point per $1 spent on eligible gas, electric vehicle charging, grocery, and Air Canada purchases (including Air Canada Vacations)
- Earn 1 Aeroplan point per $1.50 spent on all other eligible purchases
- Earn points twice when you pay with your card and provide your Aeroplan number at Aeroplan partner brands and Aeroplan eStore retailers
- No blackout periods when redeeming Aeroplan points for Air Canada flights (all seats available with points if cash seats are available)
- Points can be redeemed for flights, hotels, car rentals, merchandise, gift cards, and experiences through Aeroplan
- Points do not expire as long as you remain a cardholder in good standing
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$89First year free
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction feeConfirmCheck current issuer fee
Income requirementNot statedIssuer approval criteria apply
Additional card$35
Recommended credit score620+ Fair to Very Good (Near-prime to mid-prime tier)
Not explicitly disclosed by issuer.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on TD credit underwriting assessment combined with general eligibility criteria (Canadian resident, age of majority). This is an entry-tier Aeroplan product, typically accessible to applicants with established but not necessarily premium credit profiles.
Reward limits: No explicit annual or lifetime earning caps are published for Aeroplan point accumulation on this card. Earnings are governed by category-based earn rates and Aeroplan program rules.
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem Aeroplan points for eligible Air Canada and partner-airline flights, with taxes, fees, availability, and program rules applying.
Use eligible points for hotels, car rentals, merchandise, gift cards, and other options available through Aeroplan.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Travel insurance coverage
Includes delayed and lost baggage insurance, flight/trip delay insurance, and common carrier travel accident insurance when eligible travel is charged to the card.
Purchase security and extended warranty
Covers eligible purchases against theft or damage for 90 days and extends manufacturer warranties by up to 12 months.
No expiry on Aeroplan points
Aeroplan points do not expire as long as the primary cardholder account remains in good standing.
Preferred Aeroplan redemption access
Cardholders may access preferred pricing and improved redemption options on Air Canada flight rewards through the Aeroplan program.
No blackout dates on Air Canada flights
Any Air Canada seat available for purchase with cash can be booked using Aeroplan points.
Car rental discounts
Save a minimum of 10% on Avis and Budget base rental rates in Canada and the U.S., and a minimum of 5% internationally.
Flexible redemption options
Aeroplan points can be redeemed for flights, hotels, car rentals, merchandise, gift cards, and experiences.
Protection included
Insurance at a glance
1 coverage listed. Key terms are summarized below; full certificate terms apply.
Travel insurance included
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
The verdict
What we like
- Earn Aeroplan points on everyday spending with 1 point per $1 on gas, EV charging, groceries, and Air Canada purchases
- Low annual fee ($89) with first-year fee rebate offer available
- Strong travel protection suite including baggage delay, trip delay, rental car coverage, and purchase protection
Worth noting
- Lower earn rate on general purchases (1 point per $1.50) compared to higher-tier Aeroplan cards
- No premium travel perks such as lounge access or elite status acceleration
- Foreign transaction fee of 2.5% applies to non-CAD purchases, reducing value for international spending
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Aeroplan Starter
1x Aeroplan on gas, EV charging, groceries & Air Canada. 1 pt per $1.50 on everything else.
How the rewards work
Groceries, Gas receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 0.67%.
What the annual cost means
Using the strongest estimated category return alone, roughly $8,900 in annual spending at that rate would equal the $89 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on groceries and gas and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.