Which has the lower annual fee, Business Aeroplan Reserve Card or TD Aeroplan Visa Platinum?

The TD Aeroplan Visa Platinum has a $89 annual fee, while the Business Aeroplan Reserve Card charges $599/year.

Which card is better for groceries, Business Aeroplan Reserve Card or TD Aeroplan Visa Platinum?

The Business Aeroplan Reserve Card earns 1x on groceries, while the TD Aeroplan Visa Platinum earns 1x. The better choice depends on your grocery spending and the specific merchants you shop at.

Is the Business Aeroplan Reserve Card accepted everywhere in Canada?

The Business Aeroplan Reserve Card runs on the American Express network, which is not accepted at some Canadian retailers like Costco and Loblaws. Visa and Mastercard have broader acceptance in Canada.

Business Aeroplan Reserve Card vs TD Aeroplan Visa Platinum — Which Is Better? | Churnr

Header Quick Take Value Earn Rates Merchants Wallet Bonus FX Benefits Eligibility Perks Downgrade Verdict

TD Aeroplan Visa Platinum wins by $618/yr — strongest in everything else

TD Aeroplan Visa Platinum earns $72 more on everything else
TD Aeroplan Visa Platinum earns $50 more on shopping
$510 lower annual fee

Everything Else: +$72Shopping: +$50Bills & Utilities: +$29

Business Aeroplan Reserve Card: $30/yr in foreign transaction fees

Business Aeroplan Reserve Card (Amex) — not accepted at Costco, Loblaws, No Frills, Walmart

TD Aeroplan Visa Platinum: $30/yr in foreign transaction fees

Showing Year 1 analysis

Dollar Value

−$122

/first year

-0.3% effective$10/mo

vs 1% no-fee card: −$541

Annual rewards earned+$505

Welcome bonus+$2

FX costs−$30

Annual fee−$599

Winner

$496

/first year

1.2% effective$41/mo

vs 1% no-fee card: +$78

Annual rewards earned+$615

FX costs−$30

Annual fee−$89

Best for your spendingTD Aeroplan Visa Platinum—$496Year 1 value

+$618 more than Business Aeroplan Reserve Card

Scroll down for the full breakdown

Earn Rates by Category

Wallet Optimizer

Downgrade

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The Bottom Line

TD Aeroplan Visa Platinum wins by $618/yr — strongest in everything else

TD Aeroplan Visa Platinum earns $72 more on everything else
TD Aeroplan Visa Platinum earns $50 more on shopping
$510 lower annual fee

Everything Else: +$72Shopping: +$50Bills & Utilities: +$29

Showing Year 1 analysis

TD Aeroplan Visa Platinum wins in both Year 1 and Year 2+ — consistent long-term value.

Data Sources

Issuer terms & conditions (verified Mar 2026)

Merchant MCC verification (239 merchants)

Insurance certificates (PDF review)

Reward program documentation

User-reported acceptance data

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