Can you transfer TD Rewards points to Aeroplan?

The core trade-off here is straightforward: TD Rewards and Aeroplan are two entirely separate loyalty programs, and TD does not offer a direct transfer path between them. If you have been sitting on TD Rewards points hoping to move them into your Aeroplan account for a flight redemption, that option does not exist. The two programs run on different rails, and no conversion mechanism connects them. What does exist is a separate family of TD-issued credit cards that earn Aeroplan points natively — meaning the points land in your Aeroplan account from the moment you swipe. Understanding which program you are actually enrolled in changes everything about how you plan redemptions.

Why you cannot transfer TD Rewards points to Aeroplan

TD Rewards is TD Bank’s proprietary points currency. Points earned on cards like the TD Rewards Visa Card or the TD Platinum Travel Visa Card accumulate inside TD’s own ecosystem. You can redeem them for travel booked through Expedia For TD, for merchandise, or for statement credits at varying redemption rates — but Aeroplan is not on that list. TD has no published conversion rate between TD Rewards points and Aeroplan miles because the two programs have no formal exchange agreement.

Aeroplan is Air Canada’s frequent flyer program, now operated independently. TD is one of Aeroplan’s co-brand banking partners, which is why TD issues dedicated Aeroplan credit cards. But co-brand partnership does not mean the two currencies are fungible. Say you have accumulated 80,000 TD Rewards points on a TD Platinum Travel Visa* Card and you want to book a transatlantic flight through Aeroplan. You cannot move those points. Your only path is to redeem them through the TD travel portal or find a different use within the TD Rewards catalogue.

TD Rewards vs. TD Aeroplan cards: what each program offers

The distinction between the two card families matters before you apply. TD Rewards cards earn proprietary TD points redeemable through TD’s portal. TD Aeroplan cards earn Aeroplan points that flow directly into your Air Canada Aeroplan account. The earn rates, redemption flexibility, and annual fees differ across both families. To understand how much those Aeroplan points are actually worth before committing, the How much are Aeroplan points worth in Canada (2026)? breakdown covers redemption values across flight categories and partner options.

The practical difference shows up at redemption time. TD Rewards points used through Expedia For TD tend to deliver reasonable value on straightforward bookings, but the redemption rate can vary depending on the fare class and destination. Aeroplan points, by contrast, give access to the Star Alliance network and Air Canada’s own award chart, which can produce strong value on long-haul business class redemptions when availability aligns. Neither program is universally superior — the better one depends on how you actually travel.

Which TD cards earn Aeroplan points directly

TD’s Aeroplan co-brand cards are the only TD-issued products that earn Aeroplan points. These cards are issued by TD but the rewards currency is Aeroplan miles, not TD Rewards points. If your card name includes “Aeroplan” in the title, your points are going to Aeroplan. If it does not, they are going to TD Rewards.

• TD Aeroplan Visa Infinite* Card: earns Aeroplan points on everyday purchases with accelerated rates on Air Canada purchases, groceries, and gas, with an annual fee.
• TD Aeroplan Visa Infinite Privilege* Card: TD’s premium Aeroplan card with higher earn rates and travel benefits, carrying a higher annual fee suited to frequent Air Canada flyers.
• TD Aeroplan Visa Platinum* Card: a lower-fee entry point into the Aeroplan co-brand family, with more modest earn rates but accessible income requirements.
• TD Aeroplan Visa* Card: the no-annual-fee option in the Aeroplan co-brand lineup, earning Aeroplan points at a base rate with no annual cost.

How to convert TD Rewards points for travel if Aeroplan is not an option

If you hold a TD Rewards card and want to use your points for travel, your best path runs through the Expedia For TD portal. Booking flights, hotels, or vacation packages through that portal typically yields a better redemption rate than using TD Rewards points for statement credits or merchandise. The rate you get per point varies by booking type, so it pays to compare the portal price against what you would pay out of pocket before committing points.

• Book through Expedia For TD: this is where TD Rewards points deliver their strongest travel value, applied directly against the cost of flights and hotels.
• Avoid merchandise redemptions: redeeming TD Rewards points for physical goods or gift cards typically returns less value per point than travel bookings.
• Check the portal price against cash fares: occasionally a cash fare is cheaper than the points equivalent, especially on budget carriers not well-represented in the portal.
• Use points for the full booking cost: partial point redemptions can sometimes reduce the per-point value, so covering the full booking in points where possible is generally more efficient.
• Do not let points sit idle: TD Rewards points can expire under certain account conditions, so a long-term accumulation strategy without a redemption plan carries risk.

Which program makes more sense for your travel goals

The stronger choice changes depending on one factor: whether you fly Air Canada regularly. If Air Canada is your primary carrier and you want access to Star Alliance partner awards, a TD Aeroplan card puts points where they can do the most work. If you book travel across multiple airlines and prefer flexibility in where you shop for fares, TD Rewards through the Expedia For TD portal may suit you better, since you are not locked into a single airline’s award chart. Neither program is wrong — but accumulating points in the wrong one for your habits is a slow, invisible cost that compounds over years of spending. Explore the what your Aeroplan points are worth breakdown to pressure-test whether Aeroplan redemptions align with the routes you actually fly.