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CIBC Aeroplan Visa vs. TD Aeroplan Visa Platinum

See how your selected cards differ in estimated value, costs and conditions.

Using example spending assumptions

$2,000/month CAD · Travel benefits assumed usable · Same profile for every card

Edit spending

Two-card comparison
Annual Fee
$0.00
First Year Bonus Value
$100.00
Up to 10,000 Aeroplan points
Net Annual Rewards
$173.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$273.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: CIBC Aeroplan Visa
Sources & terms
Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for CIBC Aeroplan Visa (opens new tab)
Annual Fee
$89.00
First Year Bonus Value
$200.00
Net Annual Rewards
$97.00Illustrative monetary estimate ready. Example: $2,000/month. Separate from a personalized estimate.
First Year Value
$386.00

Comparison example at $2,000/month. A personalized estimate is not available for this card and profile. Review the value basis and conditions.

View card: TD Aeroplan Visa Platinum
Sources & terms
Last verified: October 10, 2026. Confirm current terms with the issuer.Official issuer source for TD Aeroplan Visa Platinum (opens new tab)
CIBC Aeroplan Visa$0.00 annual fee
TD Aeroplan Visa Platinum$89.00 annual fee
On this comparison

At a glance

At a glance for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
Regular annual feeValues differ
$0
$89
Foreign transaction fee
2.5%
—
Rewards program
Aeroplan
Aeroplan
Purchase APR
21.99%
21.99%

Value

Based on typical spending of $2,000/month, after annual fees. Net annual rewards exclude welcome bonuses.

Value for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
First-year valueValues differ
$273
$386
Net annual rewardsValues differ
$173
$97
Your input
Needs your input
Needs your input
First-year bonus valueValues differ
$100
$200
Welcome offer
Up to 10,000 Aeroplan points
—

Complete estimates

Shared inputs update only cards that use the same existing assumption. Card-specific qualifications remain separate.

CIBC Aeroplan Visa — annual assumptions also apply to the other annual estimates
Annual estimate assumptions for CIBC Aeroplan Visa

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

TD Aeroplan Visa Platinum
Annual estimate assumptions for TD Aeroplan Visa Platinum

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

This explicitly sets this card’s allocations to $0; your category spending still earns the reviewed base rate.

Needs your input. Unknown answers remain unknown; update the relevant fields above.

Optional travel scenarios

Visitor assumptions are separate from certified CAD values and are excluded from rankings. Each program has its own currency.

Optional travel scenarios for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
Travel valuation assumption
Optional Aeroplan travel scenario

Native points are earned using this card’s reviewed earning contract. A travel assumption is your estimate of redemption value, including any taxes, surcharges or booking costs you expect. It is not a guaranteed issuer cash equivalent.

No suggested point value is preselected. Different reward currencies remain separate. Travel scenarios exclude welcome offers, companion vouchers and free-night awards, and are never used in Results rankings. Certified redemption methods and separate Year 1 estimates remain unchanged. Availability, award pricing and your ability to redeem can change.

Optional Aeroplan travel scenario

Native points are earned using this card’s reviewed earning contract. A travel assumption is your estimate of redemption value, including any taxes, surcharges or booking costs you expect. It is not a guaranteed issuer cash equivalent.

No suggested point value is preselected. Different reward currencies remain separate. Travel scenarios exclude welcome offers, companion vouchers and free-night awards, and are never used in Results rankings. Certified redemption methods and separate Year 1 estimates remain unchanged. Availability, award pricing and your ability to redeem can change.

Rewards

Rewards for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
How you earnValues differ
  • Earn Aeroplan points on purchases, with 1 point per $1 on eligible gas, EV charging, groceries and direct Air Canada purchases
  • 1 Aeroplan point per $1 on eligible gas, EV charging, groceries and direct Air Canada or Air Canada Vacations purchases
  • 1 point per $1.50 elsewhere
Base / other eligible purchases
0.6666666666666666 points per dollar
0.6666666666666666 points per dollar
Reward conditions

Earn Aeroplan points on purchases, with 1 point per $1 on eligible gas, EV charging, groceries and direct Air Canada purchases.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

  • Cash advance APR is 21.99% for Quebec residents.
  • New-cardholder and account-status conditions apply.
  • Visa grocery/gas/EV5552/directAirCanada;excludeportalpartnerhotels/cars. Netpurchases exclude returns,advances,GlobalMoneyTransfers,fees/interest/transfers/payments/insurancepremiumandtax/cheques. Goodstanding eachstatement; annualtotalaccountpurchase cap includes allcardholdersandallmerchants. Optionalpartner/status/welcome/insurance excluded;variableAeroplanflightredemption no universalCADconversion.
Complete card reward details

1 Aeroplan point per $1 on eligible gas, EV charging, groceries and direct Air Canada or Air Canada Vacations purchases; 1 point per $1.50 elsewhere.

Eligible purchase scopes, shared limits, qualifying channels or thresholds affect earning.

  • Accelerated earning applies to the first $80,000 of combined eligible bonus-category purchases annually.
  • First-year fee rebate requires activation and a first purchase within three months; additional-card conditions apply.
  • Posted net eligible purchases; grocery VisaMCC5411/5499,gasEV5541/5542/5552,directAirCanada3009. Exclude refunds/adjustments/rebates,advances/cashlike/transfers/cheques,interest/fees. Goodstanding through statementcredit; otherAirCanada portalpartner products not airline direct. Transaction dollars rounded; estimate excludes pertransaction rounding,optionalpartners,statuscredits,welcome andinsurance. Current programme variableflightredemption has no universalCADconversion.
Complete card reward details

Fees

Fees for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
Regular annual feeValues differ
$0
$89
Supplementary-card feeValues differ
$0
$35
Foreign transaction fee
2.5%
—
Purchase APR
21.99%
21.99%
Cash advance APR
22.99%
22.99%

Eligibility

Approval is up to the issuer.

Eligibility for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
Household annual income
$15,000
—

Insurance & benefits

Insurance & benefits for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
Insurance
  • Rental car collision / loss damageVehicles up to $85,000
  • Purchase security$60,000
  • Extended protection$60,000
  • Common carrier accident insurance$100,000
Not listed — check the issuer
Other benefits
  • Preferred Aeroplan flight-reward pricingIncluded
—

Sources

Sources for the selected cards, in selected order.
FactCIBC Aeroplan VisaTD Aeroplan Visa Platinum
Last verified
Last verified: October 10, 2026
Last verified: October 10, 2026

Approval likelihood, interest expense and actual redemption transactions are not modeled. Verify current issuer terms before applying. WalletReturn methodology

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Advertising disclosure: WalletReturn may earn a commission when you apply through some links. This doesn’t affect how we calculate values or order cards. See our published methodology and advertising disclosure.

Figures are estimates in CAD and rounded for display; rounded contributions may not sum exactly to totals. Ongoing value excludes welcome bonuses, one-time benefits and rebates. Interest expense is not deducted. Benefits depend on your profile and issuer terms.