【October 15, 2026 update】 🇨🇦 TD Aeroplan cards: 5x points on selected streaming and subscription spend, capped at $750 (registration required)

TD Aeroplan cardholders can now register for a new earning bonus: selected streaming and subscription spend at merchants such as Netflix, Disney+, Spotify, and Apple earns 5x points relative to each card’s base rate (Privilege 6.25x, Infinite / Business 5x, Platinum 3.35x). Spend is capped at $750, and the offer runs through October 13, 2027. The $750 cap is per person, so holding more than one card does not stack it. You must register before you spend. Register on the official site (as of 2026-10-15; terms as published there).

Highlights

  • Earn 2x Aeroplan points on purchases made directly with Air Canada / Air Canada Vacations, and at participating Hyatt hotels
  • A free first checked bag for up to nine people on the same Air Canada booking; spending can earn Maple Leaf Lounge one-time guest passes
  • Includes travel medical, cancellation and interruption, delay, baggage, car-rental, purchase, and mobile-device coverage

Who it’s for: This card suits Canadian small-business owners who can concentrate business spending in Aeroplan, fly Air Canada regularly, and use the free-bag benefit, Maple Leaf Lounge guest passes, and NEXUS credit. Include the high spending thresholds and upcoming annual-fee increase in your cost calculation.

TD Aeroplan Visa Business Card

Issuer: TD Canada
Network: Visa
Card type: Business credit card
Annual fee: $149; $49 per additional card
Foreign transaction fee: Yes

This card suits a Canadian small-business owner who puts business spending into the Aeroplan ecosystem and flies Air Canada. The primary cardholder can pool Aeroplan points earned on this card with points from a personal TD Aeroplan card. Aeroplan points do not expire as long as you remain a primary TD Aeroplan cardholder.

Welcome offer

【March 1, 2026 update】 60,000 Aeroplan points plus a first-year annual-fee rebate on the primary card and up to two additional cards:

  • 10,000 Aeroplan points after the first purchase.
  • 30,000 Aeroplan points after $15,000 in purchases within 180 days of account opening.
  • 20,000 Aeroplan points after $25,000 in purchases within 365 days of account opening.
  • The primary card and up to two additional cards can receive a first-year annual-fee rebate. The account must be approved, open, and in good standing, and additional cards must be added while the offer is in effect.
  • TD’s page says this offer is effective from September 1, 2026. It may change, be withdrawn, or be extended at any time, and it cannot be combined with other offers unless stated otherwise.

Apply on the official website 🔗

To apply, you must be a Canadian resident and have reached the age of majority in your province or territory. TD’s product page does not list a minimum income.

Past welcome offers

【September 2023 update】 65,000 points plus a first-year annual-fee rebate on the primary card and two additional cards:

  • 10,000 points after the first purchase
  • 45,000 points after $2,500 in purchases in the first 12 months
  • 10,000 points for setting up recurring payments
  • First-year annual fee waived on the primary card and two additional cards

【January 2023 update】 60,000 points plus up to $247 back on the first-year annual fee (one primary card and two additional cards):

  • 2,500 points for each month with $2,500 in purchases over the first 12 months, for 30,000 points in total
  • 10,000 points after the first purchase
  • 20,000 points after $5,000 in purchases in the first three months

Everyday earning

2x: Eligible purchases paid directly to Air Canada and Air Canada Vacations. You earn 2 Aeroplan points per $1. TD decides whether a transaction qualifies from how the merchant is identified and from Aeroplan’s terms. The product page does not list an annual cap.

2x: Eligible purchases at participating Hyatt hotels and resorts. You earn 2 Aeroplan points per $1. After you link your Aeroplan and World of Hyatt accounts, the same eligible purchase also earns 1 World of Hyatt Bonus Point. TD’s product page does not list an annual cap.

1.5x: Eligible travel and transit, dining, electric-vehicle charging, and selected business categories. The business categories include shipping, internet, cable, and phone service. You earn 1.5 Aeroplan points per $1. TD’s product page does not list an annual cap or a rate after a cap.

1x: Other eligible purchases. You earn 1 Aeroplan point per $1. Fees, refunds, and which transactions do not qualify follow TD’s and Aeroplan’s current terms.

Benefits and insurance

  • Free First Checked Bag

The primary cardholder, additional cardholders, and up to eight companions on the same booking each get a free first checked bag of no more than 23 kg / 50 lb when the flight is operated by Air Canada, Air Canada Rouge, or Air Canada Express and the itinerary starts on an Air Canada flight. An additional cardholder must link an Aeroplan number to the card before they can use the applicable airline benefits.

  • Maple Leaf Lounge One-Time Guest Passes

The primary cardholder earns 1 one-time guest pass for every $10,000 in net purchases, after returns and statement credits, up to 4 passes a year. The primary or an additional cardholder can bring one guest into a designated North American Maple Leaf Lounge when they hold a same-day departing Air Canada ticket. This is not an automatic annual lounge visit.

🇨🇦 Canadian credit cards — airport lounge benefits

  • Reach Aeroplan Elite Status Faster

The primary cardholder earns 1,000 SQC (Status Qualifying Credits) for every $20,000 in eligible net purchases, up to 25,000 SQC. SQC count toward Aeroplan Elite status. They are not redeemable Aeroplan points.

  • NEXUS Application Fee Statement Credit

After you apply for NEXUS, you can receive a statement credit of up to $100 CAD on the application fee once every 48 months. TD’s product page says additional cardholders can use this benefit too.

  • Aeroplan Partner Hotel and Car Rental Benefits

You can receive Avis Preferred Plus and Hertz Gold Plus Rewards Five Star status. After you link your Aeroplan and World of Hyatt accounts, each $1 spent at participating Hyatt hotels and resorts also earns 1 World of Hyatt Bonus Point. Booking, membership, and eligibility limits follow each partner’s current terms.

  • Visa SavingsEdge

After you link this TD Visa business card for free, you can see cashback offers merchants make on business spending, which can include gas, dining, and business services. TD does not promise a fixed merchant, cashback rate, or how often offers appear.

  • TD Card Management Tool

You can view business-expense reports online, manage the existing credit limit, and set spending controls. It suits a cardholder who wants basic reconciliation and permission controls for a business card.

  • Avis / Budget discount

Book a qualifying rental at a participating Avis or Budget location and you get at least 10% off the lowest available base rate in Canada and the United States, or at least 5% at other international locations. Which vehicles, locations, booking methods, and blackout dates apply is set by the rental program.

  • Emergency Travel Assistance Services

This is not insurance. Global Excel provides 24-hour multilingual medical referrals, medical advice and transport coordination, payment coordination, and help with legal issues, emergency cash, documents, baggage, and translation. If the administrator pays a service cost for you, it is usually charged to the card, and you still have to repay it.

Travel insurance

Official insurance certificate 🔗

  • Travel Medical Insurance

An eligible primary cardholder who is a Canadian resident, has provincial or territorial health coverage, and keeps the account in good standing, plus their spouse and eligible children, is covered for a sudden and unforeseen medical emergency after leaving their home province or territory, up to $2,000,000 per person per covered trip. The trip does not have to be paid with this card. Coverage is only the first 15 consecutive days away for people under 65, and only the first 4 days for people 65 or older. The departure day counts as a full day. A pre-existing condition must have been stable for 90 days before departure if you are under 65, or 180 days if you are 65 or older. This coverage pays after provincial health insurance and other insurance. Contact the administrator immediately, or eligible expenses are usually paid at only 80%, up to $30,000. Treatment or tests that need advance approval are usually not paid if they were not approved. When you claim, you must provide proof of departure and submit the forms and proof within one year of the loss.

  • Trip Cancellation Insurance

If you cancel before departure for a medical or non-medical reason listed in the certificate, and at least 75% of the covered trip was charged to this card and/or paid with Aeroplan points, the limit is $1,500 per insured person per trip and $5,000 combined for the same trip. Eligible unused, non-refundable arrangements can be covered. Foreseeable situations, causes that are not listed, and other exclusions in the certificate are not covered. Cancel with the travel supplier first, and notify the administrator immediately and no later than 24 hours after the covered cause. Claim proof must be submitted within one year.

  • Trip Interruption Insurance

If at least 75% of the covered trip was charged to this card and/or paid with Aeroplan points, and a reason listed in the certificate stops you from continuing, the limit is $5,000 per insured person per trip and $25,000 combined for the same trip. After approval, that can include a one-way economy ticket home or a change fee, and some unused, non-refundable ground arrangements. Transportation costs must be approved by the administrator in advance. Contact the administrator immediately and within 24 hours to discuss other arrangements, and submit claim proof within one year.

  • Flight / Trip Delay Insurance

If at least 75% of a qualifying common-carrier fare was charged to this card and/or paid with Aeroplan points, and the trip is delayed at least four hours by severe weather, equipment failure, or an unforeseen strike or labour action, you can claim reasonable meals, accommodation, and extra ground transportation, up to $500. Events you knew about before booking, labour disputes announced in advance, some government orders, and service withdrawals or bomb-related events listed in the certificate are not covered. Notify the administrator within 45 days of the delay and submit the form and proof within 90 days.

  • Common Carrier Travel Accident Insurance

Accidental death or a specified loss while you are riding in, boarding, leaving, or travelling directly to or from a covered common carrier is covered up to $500,000. The fare must be charged in full to this card, paid in full with Aeroplan points, or, after a partial points redemption, the balance charged in full to this card. The account must be in good standing and not more than 90 days past due. Acting as a pilot or crew member, intentional self-harm, and war or civil unrest as the certificate lists them are not covered. Report the loss within 30 days and submit proof within 90 days.

  • Delayed Baggage Insurance

If a common carrier’s checked bag is delayed more than six hours after you arrive at the final destination, and at least 75% of the ticket was charged to this card and/or paid with Aeroplan points, you can claim essential clothing and toiletries bought before the bag is returned. Spending is limited to the first 96 hours after arrival. This coverage shares a maximum of $1,000 per covered person per trip with Lost Baggage Insurance. A delay on the return to your home province or territory, bags that were not checked, cash, documents, and purchases after the bag is returned are not covered. Notify the administrator within 45 days and submit the claim documents within 90 days.

  • Lost Baggage Insurance

If a common carrier never finds an eligible checked bag, and at least 75% of the ticket was charged to this card and/or paid with Aeroplan points, you can claim the cost of replacing lost personal items that the carrier and other insurance have not paid. This coverage shares a maximum of $1,000 per covered person per trip with Delayed Baggage Insurance, and it applies only while the bag is in the carrier’s custody. Bags that were not checked, cash, documents, and amounts already paid by the carrier or other insurance are not covered. Notify the administrator within 45 days of the loss and submit the claim documents within 90 days.

  • Auto Rental Collision / Loss Damage Insurance

The primary cardholder must start and finish the entire rental with this same card, pay the full rental cost with it, and decline the rental company’s CDW or equivalent coverage in the rental agreement. Personal and business use can both qualify. The rental cannot run longer than 48 consecutive days. It can cover loss, theft, actual cash value, and valid loss-of-use charges on an eligible rental. It is usually primary coverage, subject to the certificate and local law. Third-party liability, bodily injury, property other than the rental car, driving while intoxicated, breaking the rental agreement, and vehicle types the certificate excludes are not covered. Report an accident or theft within 48 hours, send the first documents within 45 days, and complete all documents within 90 days.

  • Hotel / Motel Burglary Insurance

For a stay at an eligible hotel or motel in Canada or the United States, at least 75% of the room cost must be charged to this card and/or paid with Aeroplan points. If there is evidence of forced entry and a theft, the limit is $2,500 per occurrence for all insured persons combined, and it pays after the hotel and other insurance. Private homes rented through an online platform, cash, securities, credit cards, tickets, and documents are not covered. Report it to the police immediately, notify the insurer no later than 45 days after the loss, and submit proof within one year.

Purchase insurance

  • Purchase Security

When you buy a new item and charge at least 75% of the purchase price to this card, you have worldwide coverage for direct physical loss or damage for 90 days after purchase. The payout does not exceed the purchase price, and this pays after other available insurance. The lifetime combined limit is $60,000 per account holder across all TD credit cards. Used items, services, motor vehicles, normal wear, unexplained disappearance, and inherent product defects are among the exclusions. Notify the administrator within 45 days of the loss or damage and return the claim report and proof within 90 days.

  • Extended Warranty Protection

When you buy a new item, charge at least 75% of the purchase price to this card, and the item has a manufacturer’s warranty valid in Canada, the original warranty is extended by the length of that warranty or by one year, whichever is shorter, after the manufacturer’s warranty ends. Items with an original warranty of five years or less are covered automatically. Longer warranties must be registered with the administrator in the first year after purchase. This shares the $60,000 lifetime combined TD credit-card limit per account holder with Purchase Security. Used items, motor vehicles, wear, misuse, improper installation or alteration, and indirect loss are not covered. Notify the administrator within 45 days of the loss and get approval before repair or replacement.

  • Mobile Device Insurance

When you buy a new phone, smartphone, or tablet, at least 75% of the total price must be charged to this card. Or you can buy it on a monthly plan and charge every wireless bill to this card for the whole plan. For an eligible device that is lost, stolen, accidentally damaged, or mechanically broken, the maximum is $1,000, after 2% depreciation for each full month and a deductible of $25 to $100 based on the device cost. Coverage starts on the later of 30 days after purchase and the date the first wireless bill posts to this card, and it ends no later than two years after purchase. Across all accounts, the limit is one claim in any 12 consecutive months and two claims in 48 months. Most used or refurbished devices, accessories, batteries, cosmetic damage, unexplained disappearance, and software or network problems are not covered. Repair or replacement must be approved by the insurer first. Contact the insurer within 30 days of the loss; for loss or theft also suspend wireless service within 48 hours, and for theft report to police within 7 days.

Take

If the business has steady spending on Air Canada, Hyatt, dining, transit, or telecom, the 1.5x / 2x earn rates and the 60,000-point welcome offer have real use. A free first checked bag for up to nine people on the same booking also suits someone who often travels with colleagues or family. On the other side, the $149 annual fee after the first year, the higher spend thresholds, and travel medical coverage of 15 days (only 4 days at age 65 or older) are costs and limits to add up before you apply.

Other updates

【October 1, 2026 update】 TD’s official FAQ 🔗 now lists the card’s new benefits starting January 12, 2027:

  1. New benefits, effective January 12, 2027

    • Flight discount (FLY15OFF): Save 15% on eligible Air Canada Aeroplan award flights.
    • Air Canada Flight Benefit: Receive two $25 AC Wallet rewards each year, for up to $50 in annual Air Canada travel credits.
    • Fourth Night Free: When booking more than 300,000 hotels worldwide with Aeroplan points, book three nights and get the fourth night free.
    • Fourth Day Free: When renting a car with Aeroplan points at more than 11,000 locations globally, rent for three days and get the fourth day free.

  2. Annual-fee changes, effective January 25, 2027

    • Primary Cardholder: The annual fee rises from $149 to $169.
    • Additional Cardholder: The annual fee rises from $49 to $54.

⚠️ Note: For existing cardholders, the new fee takes effect on the next annual-fee billing date on or after January 25, 2027. TD will send formal notice by mail 30–60 days before the change takes effect.

⚠️ This card still earns one Maple Leaf Lounge guest pass after $10,000 in spending for access to North American Air Canada Maple Leaf Lounges. It does not appear to be upgraded to worldwide Maple Leaf Lounge access.