Eligible Air Canada purchases, gas, EV charging and groceries
Issuer's current offer
Up to 50,000 bonus Aeroplan points for eligible new cardholders
The published offer on Air Canada’s TD card comparison page includes earning conditions and an eligible first-year annual-fee rebate. Exact tiers and availability can change; confirm at application.
◷ Issuer promotion; confirm at TD
Welcome offers can change. Always check the issuer’s live page before submitting your application.
How you earn rewards
Understand what earns more, and where the base rate applies.
Other eligible purchases
Benefits worth understanding
Protections, travel features and everyday extras depend on terms and conditions.
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Eligible free first checked bag on Air Canada flights for cardholder and up to eight companions on same reservation
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Aeroplan preferred pricing on eligible flight rewards
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Travel medical, trip cancellation, flight delay and rental car protections (conditions apply)
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Redeem Aeroplan points for eligible flights and partner travel
Who this card feels right for
For Air Canada loyalists
Frequent Air Canada flyers may get more value here than occasional travellers. The stronger case appears when the free checked bag, preferred pricing and Aeroplan ecosystem line up with how you already travel.
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Canadian travellers who already book or expect to book Air Canada trips.
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Keep the annual fee, interest rate and category caps in mind before applying.
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If this feels like a fit, you can read the next Credys card story before opening the official issuer application.
Our honest breakdown
A balanced look at what this card does well — and where it may fall short.
What we like
- Useful Air Canada benefits for frequent travellers
- Extra points in popular spending categories
- Air Canada and Aeroplan rewards integration
What to consider
- C$139 annual fee without any promotional rebate
- C$60,000 personal or C$100,000 household income requirement
- Aeroplan value and availability vary with travel plans
Good fit
Canadian travellers who already book or expect to book Air Canada trips.
Consider another card if…
People who rarely fly or want direct cash back rather than Aeroplan points.
Rates, fees and important details
Amounts shown in Canadian dollars. Issuer agreements and provincial rules prevail.
Annual fee$139/year
Purchase interest rate21.99%
Cash advances22.99% outside Quebec; 21.99% Quebec
Foreign currency feeCheck TD’s current disclosure
Additional cardholdersC$75/year
Income / eligibility noteC$60,000 personal or C$100,000 household annual income
Issuer / networkTD · Visa
Information reviewedNovember 9, 2026
Not every fee is displayed here. Review the issuer’s full card agreement for balance transfers, insurance exclusions, caps, grace periods and provincial variations.
Who can apply?
Meeting these general criteria does not guarantee approval.
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C$60,000 personal or C$100,000 household annual income
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Canadian resident and age of majority
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Subject to TD credit approval
How to apply in 3 steps
01Review the card details on this Credys page.
02Click Apply to continue to the official TD page.
03Submit your application directly with the issuer.
Frequently asked questions
Does it include a checked bag?
Eligible cardholders can receive a free first checked bag on certain Air Canada trips for themselves and up to eight travel companions on the same reservation, subject to terms.
What are the income rules?
At least C$60,000 personal or C$100,000 household annual income, according to the issuer-backed Air Canada page.
Is the annual fee waived?
A current eligible first-year rebate may be offered. Check TD’s promotion before applying.
Compare other Canadian cards
Ready to take the next step?
Apply →One more read before applying: what this card means in real life
You’ve read the Credys review. Now you can move to the live issuer page to confirm final terms and apply securely.
Primary product source: official TD product page. Last editorial check: 2026-11-09.