Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
$2,000
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Balance Transfer: 22.99%
Annual Fee
$89
Annual Income
Personal: N/A
Household: N/A
Credit Score
Good
Welcome Bonus
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening. Get an annual fee rebate for the first year.
Card Type
Category: Points
Loyalty Program: Air Canada Aeroplan®
Our Rating
3/5
Institution
TD
Rewards
- 1.5 Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 80,000 points annually)
- 0.66 Aeroplan point per $1 spent on all other eligible purchases
Calculating reward breakdowns
Insurance & Benefits
Insurance
Coverage
Flight Delay
$500Baggage Delay
$1,000
Lost or Stolen Baggage
$1,000
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Purchase Protection
90 days
Extended Warranty
Up to 1 year
Benefits
Details
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Pros & Cons
Pros
- Up to 20,000 Aeroplan Points welcome bonus.
- Earn 1 point per $1 on gas, groceries, and Air Canada purchases.
- Preferred Pricing on Aeroplan flight rewards.
- Includes 12 types of insurance for added travel protection.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.