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CardCurator — Rewards Intelligence
Card Comparison

Aeroplan Card vs TD Cash Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Aeroplan Card card art
Air Canada Aeroplan
Aeroplan Card
Chase
More Info
TD Cash Credit Card card art
TD Bank Cash Back
TD Cash Credit Card
TD Bank
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
85,000 points
Spend $4,000 in 3 months
20,000 points
Spend $1,000 in 3 months
Top Earn Rates
  • purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores 3x
  • All Other Travel 1.5x
  • All Other Purchases 1x
  • One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel 3x
  • One of these categories: Dining, Entertainment, Gas Stations, Grocery Stores and Travel 2x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Spend Milestones
  • Plus, 25,000 bonus points after you spend $20,000 on purchase in 12 months from account opening
    After $20,000 spend
  • 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month
    After $2,000 spend
No milestones
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Aeroplan Card vs TD Cash Credit Card

Is the Aeroplan Card or TD Cash Credit Card better for dining?

Aeroplan Card earns 3x on dining; TD Cash Credit Card earns 3x on dining. Aeroplan Card wins for dining.

Which has the higher signup bonus in 2026?

Aeroplan Card currently offers 85,000 pts signup bonus (spend $4,000 in 3 months). TD Cash Credit Card offers 20,000 pts signup bonus (spend $1,000 in 3 months). Aeroplan Card has the larger bonus.

Which card is better for international travel?

Aeroplan Card charges no foreign transaction fees — the better pick for international use. TD Cash Credit Card charges 3% on foreign purchases.

Can I hold both the Aeroplan Card and the TD Cash Credit Card?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Aeroplan Card is from Chase and TD Cash Credit Card is from TD Bank, so they're governed by separate bank policies.