TD^® Aeroplan^® Visa Business Credit Card

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

Interest rates, fees and features are effective as of January 6, 2024, unless otherwise indicated, and are subject to change.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

^ Offer ends January 3rd, 2024. The value up to $1,852 could be earned in the first year ofAccount opening and is based on the combined total value of:  

• $149: The Annual Fee waiver for the first year 
• $49:  Plus, one Additional Cardholder for the first year 
• $120: Free first checked bags for two people, on a round-trip flight in the first year 
• $134: Usage of the Nexus statement credit benefit at an approximate exchange rate of approximate $1.34 USD as of March 1, 2023 ($50 USD = $67 CAD for each cardholder = $134) 
• $100: Maple Leaf Lounge One-Time Guest Passes in North America ($100 based on up to four passes at $25 each for each $10,000 in eligible spend). 
• $1,300: 65,000 Aeroplan points earned based on the following requirements: 
• Welcome Bonus of 10,000 Aeroplan Points earned when you make your first purchase with your card within 90 days of account approval   
• Recurring Bonus Offer of up to 10,000 Aeroplan Points earned applies to a maximum of two new recurring bill payments set up on your Account 
• Monthly Bonus Offer of 3,750 Aeroplan points per month ("Monthly Bonus") up to 45,000 Aeroplan Points when you spend at least $2,500 each month during the first 12 months after Account opening. To qualify for the Monthly Bonus, must have at least $2,500 in net purchases posted to your Account each month by the last day of each monthly billing period.  
• Value is based on: over 70% of current Aeroplan cardholders receive a value of $0.02/points or more when redeeming for a flight as of Feb 1, 2023. Redemption calculation is based on actual flight redemptions made by cardholders between the period of Nov 8, 2020 – Feb 1, 2023  

Aeroplan points have no cash value but are redeemable under the Aeroplan program for flights and other rewards. The retail value of rewards obtained using Aeroplan points will vary depending on a range of factors including the type of reward issued, details of which may be found at https://www.aircanada.com/ca/en/aco/home/aeroplan.html. Aeroplan points may be redeemed only in accordance with the General Terms & Conditions of the Aeroplan program. Full terms and conditions of the Aeroplan Program are available online at https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html. All offers are contingent on satisfying the criteria outlined in the offer terms and conditions. 

¹Limited Time Promotional Offer includes a Welcome Bonus, Monthly Bonus, Recurring Bonus Offer and Annual Fee Rebate Offer (described below and collectively the "Offer"): is only available to the Primary Business Cardholder of TD® Aeroplan® Visa* Business Card account ("Account"). Account with an Annual Fee of $149 ("$149 Account") must be opened by January 3, 2024. 

Welcome Bonus of 10,000 Aeroplan points ("Welcome Bonus") will be awarded to the Primary Business Cardholder of the Account only after the first Purchase is made on the Account, where such Purchase is made within 90 days of Account approval. The “Primary Business Cardholder” means the individual who is issued the Credit Card associated with the Account with an Annual Fee of $149. 

To qualify for a monthly bonus of 3,750 Aeroplan points ("Monthly Bonus") during the first 12 months after Account opening (up to a total maximum of 45,000 Monthly Bonus points), the Primary Business Cardholder must have at least $2,500 in net purchases posted to their Account each month by the last day of each monthly billing period. Once you have earned 45,000 Monthly Bonus points during the first 12 months following Account opening, you will no longer be eligible for additional Monthly Bonus points. Purchases made during a billing period but posted after the end of that billing period will not count towards eligible spend for that month and count towards eligible spend for the next billing period. For example, if your monthly billing period is from October 15 to November 14, a Purchase made on November 14 (transaction date) and posts on November 15 (posting date) will not count for eligible spend for that month and will count towards spend in the next month's billing period. If the October 15 to November 14 period was your 12th monthly billing period, then the Purchase that was made on November 14 and posted on November 15 would not count toward this Offer. Account must be in good standing at the time the points are awarded. Please allow up to eight weeks for your Monthly Bonus points to be awarded. 

Limited Time TD® Aeroplan® Visa* Business Card Recurring Bill Payment Promotional Offer ("Recurring Bonus Offer"). This Recurring Bonus Offer portion of this Offer starts on September 6, 2023 and ends on January 3, 2024 (the "Offer Period") and only applies to TD® Aeroplan® Visa* Business Cards accounts (the “Account”) that are open, active, in good standing during the Offer Period and at the time the points are awarded. The Primary Business Cardholder can earn up to 10,000 Aeroplan points ("Recurring Bonus") depending on the number of Eligible Recurring Bill Payments set up on the Account during the Offer Period. The Recurring Bonus is calculated as follows: (i) 5,000 bonus Aeroplan points for 1 new Eligible Recurring Bill Payment, or (ii) 10,000 bonus Aeroplan points for 2 new Eligible Recurring Bill Payments. "Eligible Recurring Bill Payments” consist of a maximum of 2 new bill payments that are classified as recurring by the merchant through the Visa network and set up on the Primary Business Cardholder's Account that are registered and charged to the Account within 6 months of Account approval. Eligible Recurring Bill Payments already set up on the Account prior to September 6th, 2023, are not eligible for the Recurring Bonus Offer. Please allow 8-12 weeks after the Eligible Recurring Bill Payment has been registered and charged to the Account for the Recurring Bonus to be applied to your Account.  

The Annual Fee rebate portion of this Offer ("Annual Fee Rebate Offer") is available only for the first year after Account approval, for the (i) Primary Business Cardholder, and the (ii) first two Additional Cards issued for the same business, if any. The rebate of the $49 Annual Fee for the first two Additional Cards issued on the same business, if any, is for the first year only. Account ("$149 Account") must be opened by January 3, 2024. To receive the Additional Cardholder first -year annual fee rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account by January 4, 2024.  The Annual Fee for any subsequent $149 Accounts or Additional Cards issued to the same business will continue to apply. The Annual Fee will be rebated within two monthly statements from the date of the charge. The full Annual Fee will be charged to the Primary Business Cardholder Account and the Additional Accounts (if applicable), after the first year. 

The Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not transferable. If you have opened an Account in the last 12 months, you will not be eligible for this Offer. We reserve the right to limit the number of $149 Accounts opened by one person, and the number of Welcome Bonus points, the Monthly Bonus points and the Recurring Bonus Offer points awarded to any one Account. Offers may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus points, Monthly Bonus points and the Recurring Bonus Offer points are awarded. Please allow  8-12 weeks after the conditions for each element of the Offer are fulfilled for the Welcome Bonus points, the Monthly Bonus points, and the Recurring Bonus points to be credited to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business. 

 Business and business owner(s) are responsible for all transactions made on all accounts issued in the name of the business, including those made by Additional Cardholders. 

 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 

 "Primary Business Cardholder" means the individual who is issued the TD Aeroplan Visa Business Card with an annual fee of $149. Applicable airline benefits will be awarded to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business. 

² Business and business owner(s) are responsible for all transactions made on all accounts issued in the name of the business, including those made by Additional Cardholders.

³The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

⁴ "Primary Business Cardholder" means the individual who is issued the TD Aeroplan Visa Business Card with an annual fee of $149. Applicable airline benefits will be awarded to the Aeroplan Account associated with the Primary Business Cardholder, as designated by the Business.

Preconditions/General T&Cs

⁵Free First Checked Bag The Primary Business Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions.

⁶Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. The day of departure from and the day of return to your province or territory of residence each count as one full day. 15-day coverage if you're under 65 and 4-day coverage if you're 65 or older. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with.

⁷Purchase of Travel or Dining or Air Canada Products, or Purchases of Shipping, Internet, Cable and Phone services, means a purchase of travel or travel related services, or a purchase of dining items including those at restaurants, or a purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “travel” or “dining” or "Air Canada" or “shipping" , "internet, cable and phone services” or "Air Canada" category. Aeroplan points are earned on Purchases charged to the Account as follows:

• 2 Aeroplan points (Air Canada Bonus Rate) earned for each $1 in Purchases of direct through Air Canada Products; or
• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Travel or Dining Products or Purchases of Shipping, Internet, Cable and Phone Services; or
• 1 Aeroplan point earned for each $1 in all other Purchases.
• Air Canada Bonus Rate and Bonus Rate are earned only on a maximum annual amount of $80,000 of Purchases of direct through Air Canada Products, Travel or Dining Products, or Purchases of Shipping, Internet, Cable and Phone Services.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Travel, Dining or Air Canada Products or Purchases of Shipping, Internet, Cable and Phone Services. If you have earned Aeroplan points on the maximum annual amount of Purchases of Travel, Dining or Air Canada Products, or Purchases of Shipping, Internet, Cable and Phone Services, charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Travel, Dining or Air Canada Products, or a Purchase of Shipping, Internet, Cable and Phone Services, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Air Canada Bonus Rate and the Bonus Rate are in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

⁸The Visa SavingsEdge Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.

⁹ The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. The Primary Business Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

¹⁰ The Primary Business Cardholder is entitled to receive one (1) Air Canada Maple Leaf Lounge One-Time Guest Pass (each a “Guest Pass”) for every $10,000 in net purchases charged to the Primary Business Cardholder account (less any returns and credits) within an account year (being each consecutive 12-month period starting when the annual fee is charged) up to a maximum of 4 Guest Passes in an account year per Aeroplan Account. All net spend by Additional Cardholder(s) will count towards the spend of the Primary Business Cardholder as long as they are associated with the same Aeroplan Account. All earned Guest Passes will be deposited up to 2 weeks following the cardholder renewal year. Each Guest Pass will expire twelve (12) months from the date of issuance. One Guest Pass may be used for single admittance by the Primary Business Cardholder, Additional Cardholder(s), or any guest(s) accompanying any of them to access an eligible Air Canada Maple Leaf Lounge (as identified below) upon presentation of a Guest Pass, along with a same-day, confirmed ticket on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Eligible Air Canada Maple Leaf Lounges are limited to those Maple Leaf Lounges located in Canada and in the United States only and exclude international Air Canada Maple Leaf Lounges located in the international departure zones of Canadian airports. Access also excludes Air Canada Signature Suites and lounges operated by third parties, such as the Star Alliance member airlines. Any guest entering an Air Canada Maple Leaf Lounge using a Guest Pass must be accompanied by the Primary Business Cardholder or Additional Cardholder. Anyone under the age of majority entering an Air Canada Maple Leaf Lounge must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Air Canada Maple Leaf Lounge is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. Unused Guest Pass will automatically be cancelled on the date the credit card is closed, or if the credit card is changed to a different product. See all Air Canada Maple Leaf Lounges Terms and Conditions that apply.

¹¹ Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

¹² Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

¹³ Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

¹⁴ Underwritten by TD Home and Auto Insurance Company. Car Rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may not permit you to decline their CDW coverage. It is important to call the rental agency before booking your car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your TD Credit Card Cardholder Agreement for rental exclusions and further details.

¹⁵ Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant^®. ^®Assurant is a registered trademark of Assurant, Inc.

¹⁶ Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

¹⁷ The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of one (1) NEXUS statement credit available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48 month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program.

¹⁸ Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

¹⁹ Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

²⁰ Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

²¹ You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.

²² Threshold Benefit: Aeroplan Elite Status Qualification Boost
For every $5,000 in net purchases (less any returns and credits) charged to the credit card account, the Primary Business Cardholder will receive 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS), to be deposited at the end of the next credit card account billing period. Please allow up to 1 week after your credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Additional Cardholder(s) are not eligible to receive SQM or SQS through this benefit; however, all net spend by Additional Cardholder(s) will count towards the spend of the Primary Business Cardholder as long as they are associated with the same Aeroplan Account. The Primary Business Cardholder may earn unlimited bonus SQM and SQS during an Elite Status qualification period. All Aeroplan Elite Status conditions apply.

For Air Canada and Aeroplan trademark ownership details see: td.com/aeroplancards.

*Trademark of Visa International Service Association and used under licence.
^®The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.