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CardCurator — Rewards Intelligence
Card Comparison

Aeroplan Card vs TD First Class

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

Aeroplan Card card art
Air Canada Aeroplan
Aeroplan Card
Chase
More Info
TD First Class card art
TD Bank Cash Back
TD First Class
TD Bank
More Info
Annual Fee
$95/yr
$89/yr
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,000 in 3 months
25,000 points
Spend $3,000 in 6 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
  • travel and dining 3x
  • All Other Purchases 1x
Reward Type
miles
cashback
Key Credits
None
None
Card Perks
None listed
  • Annual Fee waived first year (~$89/yr)
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 First Class

Is the Aeroplan Card or TD First Class better for dining?

Aeroplan Card earns 3x on dining; TD First Class 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 First Class offers 25,000 pts signup bonus (spend $3,000 in 6 months). Aeroplan Card has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Aeroplan Card and the TD First Class?

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 First Class is from TD Bank, so they're governed by separate bank policies.