Getting to Know the TD Aeroplan Visa Signature® Credit Card

The TD Aeroplan Visa Signature® Credit Card is an Air Canada co-branded card catering to the U.S. marketplace. Cardholders earn 2X miles with Air Canada and 1X miles on all other purchases. New members also receive 25,000 bonus Aeroplan miles after making $1,000 in purchases within the first 90 days. Cardholders can expect a competitive purchase and balance transfer APR. They’ll also pay no annual fee for the first year (and $95 for every year after that). There are no foreign transaction fees.

How It Works

Cardholders can expect the following from the TD Aeroplan Visa Signature® Credit Card:

How to Earn Rewards:

• Fly with Air Canada: Travelers earn 2 Aeroplan miles for every dollar spent on Air Canada ticket purchases.
• Everyday purchases: Cardholders earn 1 Aeroplan mile for every dollar spent all other purchases.
• No Cap: There is no cap on the number of bonus miles that members can accrue.
• Miles Expiration: Miles earned do not expire, as long as your TD Aeroplan Visa Signature® Credit Card account remains open and in good standing.

How to Redeem Miles:

• Travel: Redeeming Aeroplan miles with Air Canada and other Star Alliance partner carriers are both simple and straightforward. TD Aeroplan Visa Signature® Credit Cardholders can use their Aeroplan miles to save on select Air Canada flights, travel on a Star Alliance partner, purchase seat upgrades, or pay for additional or excess baggage.
• Merchandise: Aeroplan miles are redeemable for purchasing merchandise with select Air Canada retail partners through Aeroplan’s dedicated portal. Products available include electronics and gadgets, fashion, home and garden accessories, gift cards, and more!
• Hotel Stays: Aeroplan members can use their bonus miles for hotel stays with select Air Canada and Star Alliance hotel partners worldwide.
• Rental Cars: Aeroplan members can use their bonus miles for vehicle rentals with select Air Canada and Star Alliance partners worldwide.
• Activities and Entertainment: Aeroplan also offers members access to rewards such as unique experiences and fun activities.

Today’s Bonus Offer

Earn 25,000 bonus Aeroplan miles when you spend $1,000 in net purchases within the first 90 days of opening the account.

The Plane Facts

Can you expect a smooth flight from TD Aeroplan Visa Signature Card, or will there be turbulence?

• Annual Fee: The TD Aeroplan Card features no annual fee for the first year, followed by a $95 fee for every year after that. While the fee may seem steep – especially when many other airline rewards cards offer no annual fees – given the flexibility of Aeroplan miles, as well as the impressive bonus miles after an initial spend, the fee isn’t a deal breaker.

   Cardholder Protections:

• Baggage Insurance Plan: Visa Signature® provides reimbursement for lost or stolen luggage. Simply pay the entire fare is paid using the TD Aeroplan Card.
• Fraud Protection:  Enjoy complete protection. Cardholders have complete protection from any fraudulent or unauthorized purchases made on their account.
• Account Alerts: Visa account alerts allow cardholders to know if there’s suspicious activity on their account.
• Car Rental Loss and Damage Insurance: Auto rental collision damage is covered when you pay the total cost of your rental car with the TD Aeroplan Visa Signature® Card and waive additional collision protection while at the rental counter.
• Global Assistance: 24/7 access to Visa’s dedicated account services. This includes access to Visa Concierge. That provides travel assistance and coordination for any issues that may arise during travel. Customer service is available in different languages.

   Additional Benefits:

• No foreign transaction fees
• Purchase Protection: Cardholders are protected when an eligible purchase break or suffer damage.
• Entertainment Access: Exclusive access to advance ticket sales for concerts, sports, and other events with Visa Signature®.
• Travel and Shopping: Visa Signature® offers exclusive discounts to cardholders at leading hotels, resorts, and retail merchants.
• Digital Wallet Technology: Use Apple Pay®, Google Pay™ or Samsung Pay. Enjoy seamless integration. 
• FICO® Score access

The Perks That Make the TD Aeroplan Visa Signature® Credit Card Worthwhile

What are some of the Pros that set this card ahead of the rest?

• A Solid Introductory Bonus Offer: New members can earn 25,000 bonus miles when they spend $1,000 or more on eligible purchases in their first 90 days.
• Booking Flights: Use miles on ticket purchases for Air Canada, or any Star Alliance partners.
• Blackout Dates: No blackout dates. Aeroplan does not have blackout dates for members. This means that booking travel using miles is hassle-free.
• No annual fee for the first year
• No foreign transaction fees

Potential Turbulence with the TD Aeroplan Visa Signature® Credit Card:

What are some cons that take the wind from under this card’s wings?

• Limited Airport Perks: The TD Aeroplan Visa Signature® Card offers very few perks when traveling when compared to other co-branded airline rewards credit cards.
• High Annual Fee: While the TD Aeroplan Visa Signature® Card offers no fee for the first year, the annual fee of $95 after that is fairly high given the perks the card offers. While there certainly is great earning potential, if you want more airport perks from your rewards card, there may be better options available.

Thoughts Before Takeoff

What then, should you think about the TD Aeroplan Visa Signature® Card? Overall, the card is a good choice – especially for those who frequently travel by Air Canada for business or pleasure. Earning 2 Aeroplan miles for every dollar spent with Air Canada isn’t an exceptional deal. Fortunately, the combination of 25,000 bonus miles after an easy initial spend, no blackout dates, no foreign transaction fees, and the ability to book rewards flights with any Star Alliance member all make for a flexible, competitive rewards card.

The TD Aeroplan Visa Signature® Card also provides members with the benefits of Visa Signature®, meaning they can expect a suite of travel and purchase protections – as well as Visa’s excellent 24/7 concierge service. Add that to a competitive APR for those with excellent credit, and you haven airline rewards card that offers great promise for those who fly to the Great White North.