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TD Aeroplan Visa Infinite Privilege Card

TD® Aeroplan® Visa Infinite Privilege* Card review

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4.0

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Welcome Offer Ends Jan 6, 2025

Earn up to $2,900 in value† including up to 80,000 Aeroplan points†. Conditions Apply. Account must be approved by January 6, 2025.

2 points† Earn 2 points† for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.

1.5 points† Earn 1.5 points† for every $1 you charge to your Card on eligible gas, groceries, travel and dining purchases.

1.25 points† Earn 1.25 points† for every $1 you charge to your Card on all other purchases.

6 Get 6 lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide with DragonPass†

2x Earn points twice when you provide your Aeroplan number to Aeroplan partner brands and on the Aeroplan eStore

50% Get 50% more Aeroplan points at Starbucks when you link your TD card with your Starbucks® Rewards account. Conditions Apply.

$100 Get a NEXUS application fee rebate up to $100 (CAD) every 48 months.†

1st Get your 1st checked bag free for you and up to eight companions† when your travel originates on an Air Canada flight.

10% Get 10% savings at Avis and Budget in North America, 5% off internationally†

20.99% Purchase APR APR for purchases 20.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$599 Annual Fee Additional Cardholder† $199

2.5% Foreign Transaction Fee 2.5% of the transaction in CND

Excellent Recommended Credit Score

$150,000 Required Annual Personal Income

$200,000 Required Annual Household Income

4.0

TD® Aeroplan® Visa Infinite Privilege* Card review

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Quick overview

Quick overview of the TD® Aeroplan® Visa Infinite Privilege* Card

The TD® Aeroplan® Visa Infinite Privilege* Card has captured the attention of seasoned travelers and high-flyers across Canada. Renowned as one of the premier travel credit cards, it offers an exceptional opportunity to embark on a luxurious journey with an impressive Aeroplan® points earn rate.

Despite the "privilege" cards boasting a range of luxury travel perks, it comes with an annual fee of $599, solidifying its status as a top-tier option in the realm of travel credit cards. For those who revel in the finer aspects of travel, this fee represents a modest investment in a world of upscale travel benefits, including access to airport lounges, priority check-ins, and extensive insurance coverage. Notably, the TD® Aeroplan® Visa Infinite Privilege* Card is exquisitely crafted from metal, further underlining its prestige.

Who is the card for?

Who is the TD Aeroplan® Visa Infinite Privilege Card* for?

For those whose heart beats for extraordinary travel experiences (and who meet the $150,000 minimum personal income eligibility criteria), the TD® Aeroplan® Visa Infinite Privilege* Card is like holding a VIP pass to a world of exquisite travel adventures.  

Pros and cons

TD® Aeroplan® Visa Infinite Privilege* Card pros and cons

Pros

Pros

  • Welcome bonus up to 80,000 Aeroplan® points† (up to $2,900 in value†) (enough for a round trip to Honolulu†)

  • Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†

  • Priority Airport Services† like Boarding and Baggage Handling

  • High Aeroplan® earn rates, double points on eligible Air Canada purchases

  • Extensive travel insurance benefits

  • Free checked bags on Air Canada

  • Preferred Pricing on Aeroplan® flight rewards

  • Visa Infinite Privilege* designation perks (e.g. DragonPass membership)

  • Up to $100 CAD NEXUS credit†

Cons

Cons

  • Steep annual fee of $599

  • High eligibility requirements ($150,000 personal or $200,000 household income)

  • Additional cardholder fee of $199

  • High-value rewards mainly for Air Canada flights

Welcome bonus

TD® Aeroplan® Visa Infinite Privilege* Card welcome bonus

The Aeroplan Visa Infinite Privilege Card from TD boasts a massive $599 annual fee but provides a huge amount of value that is more than reclaiming that membership charge. And that value starts with an impressive welcome bonus.

  • Earn up to $2,900 in value† including up to 80,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by January 6, 2025.

    •Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
    •Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
    •Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†

    Additional Travel Benefits

    •Enroll for NEXUS and once every 48 months get an application fee rebate† 
    •Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
    •Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
How to earn rewards

How to earn Aeroplan reward points with the TD® Aeroplan® Visa Infinite Privilege* Card

At its basic level, the TD® Aeroplan® Visa Infinite Privilege* Card earns points in the following ways:

  • 2 points† on eligible purchases made directly with Air Canada®, including Air Canada Vacations®.
  • 1.5 points† on eligible gas, groceries, travel and dining purchases.
  • 1.25 points† on all other purchases

When you put this card against other Aeroplan contenders, the TD® Aeroplan® Visa Infinite Privilege* Card accelerates your point accumulation, especially on those everyday buys like gas and groceries.

There's a catch, though. There's a ceiling of $100,000 annually across all spending categories. Once you hit that, the earning rate takes a small dip to 1.25 points on all purchases. Yet, that base rate isn't too shabby, all things considered.

How to redeem

How to redeem Aeroplan points

To maximize your points value, it’s best to redeem points with Air Canada or on Aeroplan®’s website.

You have many options from flights, flight upgrades (think first-class), hotels, car rentals, and vacation packages. You can use a combination of points and cash to get you on the right flight with the comforts you desire (e.g. high cabin class, in-flight Wi-Fi). Note there are no cash surcharges on flight rewards with Air Canada, but there may be taxes and third-party fees (e.g. airport fees) and you can use your points to cover those.

You can book a flight reward on another airline (such as United, Lufthansa and Singapore), but there is a flat “Partner Booking Fee” of $39 per ticket (which you can pay with points).

Know that Aeroplan® doesn’t stick to a fixed dollar value in flight redemptions. Your points’ worth sways with market value, distance and demand. So if you’re looking to squeeze out every ounce of value, there’s some number crunching involved.

Alternatively, you can also donate points to a charity of your choice. For more, read the Money.ca Aeroplan Points Guide.

Key benefits

Key benefits of the TD Aeroplan Visa Infinite Privilege* Card

The TD Aeroplan Visa Infinite Privilege Card stands out in several ways, particularly due to its extensive range of Aeroplan points and benefits. You can accumulate Aeroplan points on essential everyday expenses such as gas, bills, groceries, Air Canada flights, vacations, and products. Moreover, you can combine and distribute these points among up to 8 family members using Aeroplan Family Sharing.

When you travel, you can anticipate benefits like access to Air Canada Maple Leaf Lounges, complimentary first checked bag on Air Canada flights for the primary cardholder, additional cardholders, and up to eight travel companions, a round-trip companion pass from $99 each year, and more.

Finally, the Visa Infinite Privilege version of the TD Aeroplan credit card gives you peace of mind with insurance coverage for just about every travel-related accident, including travel cancellations and interruptions, lost or damaged baggage, flight delays, emergency travel medical expenses, and more.

Insurance coverage

TD Aeroplan Visa Infinite Privilege Card insurance coverage

  • Mobile device insurance†: $1,500 of mobile device protection for a new or refurbished cellular phone, smartphone or tablet in case of accidental damage, theft or "mysterious disappearance."
  • Travel medical coverage†: Up to $5 million for the first 31 days of your trip (four days if you’re over 65)
  • Travel accident insurance†: Up to $500,000
  • Comprehensive travel insurance, including emergency medical coverage up to $5 million and travel accident insurance up to $500,000.
  • Trip cancellation insurance†: $2,500
  • Trip interruption insurance†: $5,000
  • Flight delay insurance†: $1,000
  • Baggage delay insurance†: $1,000
  • Lost or stolen baggage insurance†: $2,500
  • Rental car insurance† against theft and damages up to $85,000 for 48 consecutive days (Plus save 10% when you rent with Avis or Budget)
  • Double the manufacturer’s warranty† period on eligible purchases, up to 2 years in total.
  • Emergency cash advances† up to $5,000.
  • Purchase protection†: Protection against damage or theft on eligible items purchased with your card for up to 120 days.
  • Hotel burglary insurance† up to $2,500 for eligible personal items stolen belonging to the primary cardholder or eligible family members traveling with them.

The insurance suite with the Aeroplan Visa Infinite Privilege Card is extensive and provides protections for everything from a dream vacation to your day-to-day life. The mobile phone insurance is particularly appealing should you be in the market for a new smartphone or tablet. 

Extra benefits

Extra benefits of the Aeroplan Visa Infinite credit card from TD

Here are the other excellent travel and lifestyle benefits for frequent flyers that come with the TD® Aeroplan® Visa Infinite Privilege Card:

Aeroplan Benefits

  • After spending $25,000, you unlock a round-trip companion pass for only $99.
  • Get priority check-in, boarding, baggage handling and airport standby for you and up to eight companions.
  • Earn 1,000 Status Qualifying Miles and one Status Qualifying Segment towards Aeroplan Elite Status for every $5,000 spent (minus any returns/credits).
  • Access to Maple Leaf Lounges with 6 free passes.
  • Comprehensive travel insurance, including emergency medical coverage up to $5 million and travel accident insurance up to $500,000.
  • Link your Aeroplan card with Uber and Uber Eats accounts and earn one point per $1 spent on eligible rides and food orders.
  • Enjoy 50% more points—and 50% more Starbucks Rewards—at participating Starbucks locations when reloading your card.
  • Earn one point for every $4 spent plus bonus points at the LCBO at checkout or online through the LCBO mobile app.

Other Benefits

  • Access to the complimentary Visa Infinite Concierge, available 24/7.
  • Save a minimum of 10% on car rentals in the U.S. and Canada through Avis and Budget.
  • Receive instant fraud alerts via mobile with TD Fraud Alerts.
  • Visa Infinite Luxury Hotel Collection†: Book through the Visa Infinite Luxury Hotel Collection and receive seven exclusive benefits, with an additional eighth benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Get gas discounts at Ultramar, Chevron and Pioneer.
  • Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
  • Chip and pin technology for an added layer of security.
What people say

What people are saying about the TD® Aeroplan® Visa Infinite Privilege* card

The most common question asked is if this card is worth the $599 annual fee. Reddit user, Limp-toe-179, says it’s the Visa equivalent to the Amex Platinum, so if you have a good sign up bonus, consistently fly Air Canada and appreciate lounge access and insurance perks, this card could be right for you.

However, Redditor “deltatix” says at this tier level, the Amex Aeroplan® Reserve card may make more sense. It’s no longer about pure earnings, but more so the special privileges and premium lounge access. Keep in mind, you can do a 1:1 transfer of AMEX MR points to Aeroplan.

Finally, Reddit user "heatfromfirefromheat" offers a recommendation of the HSBC World Elite Mastercard. This card has no foreign exchange fees, unlimited lounge passes with DragonPass and much less expensive. Qualifying for this card, though, requires you to be a HSBC premier/private banking client.

How it compares

How the TD® Aeroplan® Visa Infinite Privilege* Card compares

American Express® Aeroplan®* Reserve Card

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5.0

up to 85k pts

Welcome offer

Good

Suggested credit score

Earn up to 85,000 Welcome Bonus Aeroplan®* points

Apply now

Pros

  • Generous signup bonus where you can earn up to 85,000 Aeroplan points

  • High earn rates on Air Canada, dining, and food delivery

  • Extensive travel perks like priority check-in, boarding, and free first eligible checked bag on Air Canada flights

  • Complimentary access to select Air Canada Maple Leaf Lounges within North America

  • Toronto Pearson Airport benefits including priority security, complimentary valet parking, and discounts on parking and car care services

  • Annual worldwide companion pass at a fixed base fare between $99 and $599 CAD (plus taxes and fees)

  • $100 NEXUS statement credit every 4 years

  • Robust insurance coverage including emergency medical

  • Access to Amex Experiences such as movie premieres

  • No minimum income requirement

Cons

  • High annual fee of $599

  • Lower acceptance when compared to Visa and Mastercard

  • High spending to unlock signup bonus

  • Limited high-earning categories

  • 2.5% foreign transaction fee

  • Priority perks limited to Air Canada flights

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$0

Pros

  • Generous signup bonus where you can earn up to 85,000 Aeroplan points

  • High earn rates on Air Canada, dining, and food delivery

  • Extensive travel perks like priority check-in, boarding, and free first eligible checked bag on Air Canada flights

  • Complimentary access to select Air Canada Maple Leaf Lounges within North America

  • Toronto Pearson Airport benefits including priority security, complimentary valet parking, and discounts on parking and car care services

  • Annual worldwide companion pass at a fixed base fare between $99 and $599 CAD (plus taxes and fees)

  • $100 NEXUS statement credit every 4 years

  • Robust insurance coverage including emergency medical

  • Access to Amex Experiences such as movie premieres

  • No minimum income requirement

Cons

  • High annual fee of $599

  • Lower acceptance when compared to Visa and Mastercard

  • High spending to unlock signup bonus

  • Limited high-earning categories

  • 2.5% foreign transaction fee

  • Priority perks limited to Air Canada flights

Eligibility

Recommended Credit Score

Good

Required Annual Personal Income

$0

Required Annual Household Income

$0

the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*

3X

the points on eligible Dining and Food Delivery purchases in Canada

2X

the points on everything else

1.25X

Purchase APR

21.99%

Cash Advance APR

21.99%

Annual Fee

$599

Foreign Transaction Fee

2.5%

TD® Aeroplan® Visa Infinite Privilege* Card vs. American Express® Aeroplan® Reserve Card

The TD® Aeroplan® Visa Infinite Privilege* Card and the American Express® Aeroplan® Reserve cards are tailored for the frequent flyer, with a tilt towards Air Canada loyalists. Both cards have a hefty annual fee of $599, which they attempt to justify with a suite of travel-oriented perks.

When it comes to cozy travel experiences, both cards extend priority services like early boarding and baggage handling on Air Canada flights, alongside Maple Leaf Lounges access. Yet, the Amex card takes the luxury a notch higher with unlimited Priority Pass lounge access (subject to a usage fee).

The Platinum Card®

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3.5

up to 140k pts

Welcome offer

Excellent

Suggested credit score

Earn up to 140,000 Membership Rewards® points* – that’s up to $1,400 in value.

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Pros

  • Access to a wide range of luxury perks, including premium concierge service

  • Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide

  • Annual statement credits: $200 annual travel credit, $200 annual dining credit

  • Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.

  • Provides extended warranty (2 years) and purchase protection (120 days).

Cons

  • High annual fee of $799, one of the heftiest among Canadian cards

  • The rewards system can be complicated, especially for users not familiar with maximizing credit card points

  • Requires good to excellent credit for eligibility

Eligibility

Recommended Credit Score

Excellent

Pros

  • Access to a wide range of luxury perks, including premium concierge service

  • Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide

  • Annual statement credits: $200 annual travel credit, $200 annual dining credit

  • Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.

  • Provides extended warranty (2 years) and purchase protection (120 days).

Cons

  • High annual fee of $799, one of the heftiest among Canadian cards

  • The rewards system can be complicated, especially for users not familiar with maximizing credit card points

  • Requires good to excellent credit for eligibility

Eligibility

Recommended Credit Score

Excellent

points for every $1 in Card purchases on eligible dining and food delivery in Canada

2x

points for every $1 in Card purchases on eligible travel

2x

point for every $1 in all other Card purchases

1x

additional point on Amex Travel Online for eligible hotel or car rental bookings

1

Variable APR

21.99% - 28.99%

Annual Fee

$799

Foreign Transaction Fee

2.5%

TD® Aeroplan® Visa Infinite Privilege* Card vs. The Platinum Card® by American Express

The TD® Aeroplan® Visa Infinite Privilege* Card and The Platinum Card® by American Express, cater to different audiences: the former to Aeroplan® members and frequent Air Canada flyers with perks like priority boarding. At the same time, the latter appeals to broader travel enthusiasts with extensive lounge access and hotel upgrades. TD's card excels in earning Aeroplan® points on Air Canada purchases, whereas Amex®'s card shines with a generous welcome bonus, an annual travel credit, and global luxury travel benefits. Both cards provide robust insurance, but Amex has a slight advantage with more comprehensive coverage, mirroring its broader travel benefits approach compared to TD's brand-specific focus.

The Amex Platinum has an annual fee of $799, but its travel and dining credit brings it down significantly. Both cards offer welcome bonuses that require a card renewal to unlock fully.

If luxury perks like hotel upgrades (e.g., room upgrades, daily breakfast, late checkout, etc.) at Hilton, Marriott, and Radisson are what you desire most, the Amex® wins. The Priority Pass membership has unlimited free entries, nearly $600 CAD in value, and you can bring a guest at no extra charge.

Is it worth it?

Is the TD® Aeroplan® Visa Infinite Privilege* worth it?

The TD® Aeroplan® Visa Infinite Privilege* Card is a luxury, travel-focused card designed for high-income individuals. With its impressive welcome bonus, comprehensive travel benefits, and premium perks, it offers undeniable value for those who can leverage its features.

While the annual fee is steep, frequent travelers can easily offset this cost through the card's rich rewards structure and additional travel benefits. In short, if you're looking for a card that can provide luxury travel experiences and a high points earn rate, this may be the card for you.

Eligibility requirements

This offer is not available for residents of Quebec. For Quebec residents, please click here.

The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.

†Terms and conditions apply.

Barry Choi Contributor

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.

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