| Rewards | 2 points/$1 on eligible Air Canada purchases; 2 points/$1 at participating Hyatt properties; 1.5 points/$1 on travel & transit, dining, EV charging, and select business categories; 1 point/$1 on other eligible purchases. |
|---|---|
| Signup Bonus | Up to 60,000 Aeroplan points: 10,000 after first purchase; 30,000 after $15,000 in purchases within 180 days; 20,000 after $25,000 within 365 days. The current offer also includes a first-year annual-fee rebate for the primary cardholder and up to two additional cardholders. |
| Annual Fee | CAD $149 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 22.99% |
| Cash Advance Fee | Not separately listed as a fixed fee |
| Late Payment Fee | Not publicly specified as a fixed dollar amount |
| Purchases APR | 14.99% |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
Most users say the TD Aeroplan Visa Business Card is appealing for business owners who regularly fly Air Canada and want to build Aeroplan points from everyday spending. Many reviewers mentioned the value of earning bonus points on Air Canada, travel, dining, and selected business purchases, along with travel benefits and the first-year annual-fee rebate.
On the negative side, some users complain about TD customer-service experiences, including long wait times and difficulties resolving account or rewards issues. Others feel the lounge benefits are limited because passes are tied to spending thresholds.
Personally, I think this card is most suitable for business owners who can consistently use Aeroplan points and Air Canada-related perks. The $149 fee can be easier to justify when the card’s travel benefits and welcome offer are actually used. If you rarely fly Air Canada or prefer simple cash back, the rewards may not be compelling enough to offset the fee.
I opened this card for my small company's travel expenses. We rack up Aeroplan points on flight, hotels, and even office shipping, and those points go a long way toward Air Canada trips.
Great for frequent flyers, especially if you fly Air Canada often.