Earn rates

The Platinum earns at two rates. Gas stations, EV charging, grocery stores, and direct Air Canada purchases earn 1 point per $1, up to a combined $80,000 per year in those categories. Everything else earns 1 point per $1.50, which works out to 0.67 points per dollar. That base rate is the card’s most significant weakness: the Visa Infinite earns a full 1x on all spending for an additional $50 per year in annual fee.

Spending category	Earn rate	Points per $100 spent
Gas and EV charging	1 pt / $1	100 pts
Grocery stores	1 pt / $1	100 pts
Air Canada (direct purchases)	1 pt / $1	100 pts
Everything else	1 pt / $1.50	67 pts

1 Aeroplan point ≈ 1.5¢ in travel at typical fixed-chart redemptions, and more on premium-cabin partner awards. Actual value varies by route and partner.

The bonus earn rate applies to a combined maximum of $80,000 per year across eligible categories. Spending beyond that cap earns at the 1 pt/$1.50 base rate.

Key benefits

Mobile device insurance

Coverage up to $1,000 for loss, theft, or accidental damage on a mobile device purchased with the card or on a plan paid with the card.

Purchase security and extended warranty

Purchase security covers new items against theft or damage for 90 days. Extended warranty doubles the manufacturer’s warranty up to a maximum of 12 additional months.

Avis and Budget discount

Minimum 10% discount on car rentals at Avis and Budget locations when booking with the card.

Aeroplan Family Sharing

Points earned on the card can be pooled with up to eight family members through the Aeroplan Family Sharing program.

Travel insurance

Insurance coverage on the Platinum is limited. There is no trip cancellation, trip interruption, or emergency medical coverage. The Visa Infinite and Visa Infinite Privilege both include full travel insurance packages. Coverage included on the Platinum:

Flight / trip delay: up to $500
Delayed baggage: up to $1,000
Rental car collision / damage: up to 48 days
Common carrier accident: up to $500,000
Hotel / motel burglary: up to $2,500
Emergency travel assistance services

The absence of emergency medical and trip cancellation coverage is a meaningful gap for any travel outside Canada. Supplemental travel insurance is recommended for Platinum cardholders travelling internationally.

What the earn math looks like

A cardholder spending $2,500 per month across typical categories:

Category	Monthly spend	Rate	Monthly points
Groceries	$600	1 pt / $1	600 pts
Gas	$200	1 pt / $1	200 pts
All other spending	$1,700	1 pt / $1.50	1,133 pts
Total	$2,500		~1,933 pts / mo

~23,200 Aeroplan points per year at this spend mix. At 1.5 cents per point, that is approximately $348 in Aeroplan value annually. By comparison, the Visa Infinite earns 34,800 points at the same spend level, a difference of 11,600 points worth ~$174 per year. The Visa Infinite costs $50 more per year in annual fee and earns $174 more in points value at this spend level, before any consideration of the checked bag or insurance benefits.

Good fit if

You want to earn Aeroplan points but don't meet the $60,000 personal income requirement for the Visa Infinite.
You want the lowest-cost entry into the TD Aeroplan lineup and plan to upgrade once you qualify.
Your spending concentrates in Air Canada, gas, EV charging, and groceries, the only categories that earn a full point per dollar.

Less useful if

You qualify for the TD Aeroplan Visa Infinite. For $50 more it earns a full 1x on all spending, adds a free checked bag and comprehensive insurance, and earns back the fee gap at any meaningful spend.
Much of your spending falls outside the bonus categories. The 1 pt per $1.50 base rate (0.67 pts/$1) is well below average.
You want lounge access, a companion pass, or status acceleration. The Platinum includes none of these.