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Best for: Travel enthusiasts who frequently fly Air Canada.
Anyone seeking a credit card that earns Aeroplan points and comes with luxurious travel perks will want to consider the TD Aeroplan Visa Infinite Privilege Card.
Learn more about how we evaluate cards.
The TD Aeroplan Visa Infinite Privilege Card earns Aeroplan points with accelerated rates on dollars spent with Air Canada. The metal card carries a hefty annual fee but may be worthwhile for travel bugs seeking airport lounge access and comprehensive insurance coverage.
TD® Aeroplan® Visa Infinite Privilege* Credit Card
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Annual Fee
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Interest Rates
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Rewards Rate
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Intro Offer
- Earn up to $3,200 in value† including up to 100,000 Aeroplan points and additional travel benefits. Conditions Apply. Account must be approved by January 3, 2024.
- Earn a welcome bonus of 20,000 Aeroplan points when you make. your first purchase with your new card†.
- Earn an additional 50,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
- Plus, earn an anniversary bonus of 30,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- 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.†
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
- Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
- Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore.
- Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
- Travel Medical Insurance†: Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
- Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
- Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
- Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
- To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- This offer is not available for residents of Quebec.
- 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.
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TD Aeroplan Visa Infinite Privilege full review
The TD Aeroplan Visa Infinite Privilege Card is a travel rewards credit card that earns Aeroplan points. Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.
Benefits of the TD Aeroplan Visa Infinite Privilege
The TD Aeroplan Visa Infinite Privilege’s travel perks are its crown jewel. The card comes with unlimited Maple Leaf Lounge access across Canada and the U.S., priority boarding and baggage handling, discounted flight passes for travel companions, NEXUS rebates and more.
Drawbacks of the TD Aeroplan Visa Infinite Privilege
The $599 annual fee may be a dealbreaker for those considering the TD Aeroplan Visa Infinite Privilege Card. Another limiting factor? The steep annual income criteria. Applicants must have a personal annual income of at least $150,000 or an annual household income of at least $200,000 to qualify.
Who should get the TD Aeroplan Visa Infinite Privilege?
Travellers and jet-setters who frequently fly with Air Canada stand to benefit most from the TD Aeroplan Visa Infinite Privilege Card. The card offers its highest earn rate on money spent on eligible Air Canada purchases, and some of its travel perks, like priority boarding and baggage handling, are only available on Air Canada flights.
Is the TD Aeroplan Visa Infinite Privilege worth it?
The TD Aeroplan Visa Infinite Privilege comes with multiple welcome offers. You can unlock all of them, worth a total of 100,000 Aeroplan points, by spending $19,500 in your first year of card membership. Depending on how you redeem your points, that’s a value of up to $2,810.
The card also carries a $599 annual fee. According to NerdWallet analysis,If one Aeroplan point has an average value of 2.23 cents, so you’d need to earn 26,860 Aeroplan points to recoup the card’s annual fee.
Ultimately, the TD Aeroplan Visa Infinite Privilege Card may be worthwhile for those who frequently travel and fly Air Canada, as they will be best positioned to take advantage of this card’s perks.
TD Bank customer ratings
- Below average customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
- Low Trustpilot rating: 1.4 out of 5 possible stars based on over 2,000 customer reviews, as of this writing.
- Poor Better Business Bureau rating: 1.25 out of 5 possible stars based on 80 customer reviews, as of this writing.
TD Aeroplan Visa Infinite Privilege eligibility
Who qualifies for the TD Aeroplan Visa Infinite Privilege?
To qualify for the TD Aeroplan Visa Infinite Privilege Card, you must:
- Be a Canadian resident.
- Be at least the age of majority for your province or territory.
- Have a personal annual income of at least $150,000 or an annual household income of at least $200,000.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.
Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.
TD Aeroplan Visa Infinite Privilege rewards
Welcome offer
Ongoing rewards
Card value
Earn up to 100,000 Aeroplan points.
- Get 20,000 points when you make your first purchase with your new card.
- Get an additional 50,000 points when you spend at least $7,500 within your first six months of card membership.
- Get a 30,000-point anniversary bonus when you spend at least $12,000 within the first year of card membership.
Plus, share free checked bags with up to eight travel companions. Welcome offer valid until Jan. 3, 2024.
Earn Aeroplan points at the following rates:
- 2 Aeroplan points per $1 spent on eligible Air Canada purchases.
- 1.5 Aeroplan points per $1 spent on groceries, gas, travel and restaurant purchases.
- 1.25 Aeroplan points per $1 spent on all other purchases.
Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.
According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. That means that the TD Aeroplan Visa Infinite Privilege’s welcome offer of 100,000 Aeroplan points is worth about $2,230, depending on how you redeem your points. But this card’s true value resides in its travel perks.
The TD Aeroplan Visa Infinite Privilege Card offers a slew of luxurious benefits. Cardholders get unlimited Maple Leaf Lounge access across Canada and the United States — a membership that would cost at least $375 annually to purchase outright. And the airport lounge access doesn’t end there. Cardholders receive an additional six airport lounge passes annually via the Visa Airport Companion Program for access to over 1,200 airport lounges worldwide.
The TD Aeroplan Visa Infinite Privilege Card also offers access to NEXUS rebates of up to $100 every two years. Plus, cardholders can get annual flight companion passes at discounted rates that start at $99, which could save hundreds of dollars, depending on the travel destination.
The TD Aeroplan Visa Infinite Privilege Ccard comes with robust travel insurance, as well, including up to $5 million of travel medical coverage per insured person per trip. The extensive insurance could prove valuable if it ever needs to be put to use.
Point value breakdown
NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights. Based on our analysis, the average value of 1 Aeroplan point is worth 2.23 cents.
More specifically, you can expect to get around:
- 1.69 cents in value per Aeroplan point for economy class awards on Air Canada flights.
- 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.
How to apply for the TD Aeroplan Visa Infinite Privilege
The application process for the TD Aeroplan Visa Infinite Privilege Card can be completed online by visiting TD Bank’s website:
- Navigate to the TD Aeroplan Visa Infinite Privilege Card’s page and select Apply online.
- Review the card’s terms and conditions and select I Agree to continue.
- Enter your full name, date of birth, phone number, email address and residential address.
- Tell TD Bank more about your employment status and finances, including your annual income and residential status.
- Review your information and submit your application.
TD Aeroplan Visa Infinite Privilege vs American Express Aeroplan Reserve Card
If you want a metal credit card that earns Aeroplan points, the TD Aeroplan Visa Infinite Privilege is far from your only option. For instance, the American Express Aeroplan Reserve Card charges the same annual fee ($599) and comes with comparable benefits, but it earns Aeroplan points at a higher rate.
| TD Aeroplan Visa Infinite Privilege | American Express Aeroplan Reserve Card | |
|---|---|---|
| Annual fees | $599. | $599. |
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Having trouble deciding? Check out our review of the American Express Aeroplan Reserve Card.
Reasons you might want a different card
The TD Aeroplan Visa Infinite Privilege Card may not be a practical fit if:
TD Aeroplan Visa Infinite Privilege facts
| TD Aeroplan Visa Infinite Privilege | |
|---|---|
| Card type | Aeroplan credit card. |
| Fees and interest rates | |
| Annual fee | $599. |
| Regular/purchase APR | 20.99%. |
| Penalty APR | 25.99% for purchases and 27.99% for cash advances if you miss two payments within 12 months as of December 2023. This penalty APR will stay in place until you’ve made 12 consecutive payments on time. |
| Cash advance APR | 22.99%. |
| Cash advance fee | $3.50 to $10 per transaction. |
| Balance transfer APR | 22.99%. |
| Balance transfer fee | 3% of the transaction amount. |
| Foreign transaction fee | 2.5% of the transaction amount. |
| Rewards and benefits | |
| Intro offer | Earn up to 100,000 Aeroplan points. Get 20,000 points when you make your first purchase with your new card. Get an additional 50,000 points when you spend at least $7,500 within your first six months of card membership. Get a 30,000-point anniversary bonus when you spend at least $12,000 within the first year of card membership. Plus, share free checked bags with up to eight travel companions.
Welcome offer valid until January 3, 2024. |
| Reward earn rates |
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| Other perks |
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| Insurance coverage | |
| Travel accident | Up to $500,000. |
| Travel medical | Up to $5 million per insured person per trip. |
| Flight delay | Up to $1,000 for necessary accommodations, restaurant expenses and sundries. |
| Baggage delay | Up to $1,000 for essential clothing and sundry items. |
| Lost or stolen baggage | Up to $2,500 of coverage per trip for all insured persons. |
| Hotel burglary | Up to $2,500 of coverage for personal items. |
| Rental car theft/damage | For up to 48 days. |
| Extended warranty | Up to two additional year. |
| Purchase Protection | 120 days. |
| Mobile Device Protection | Up to $1,500 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply. |
Rating Methodology
NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.
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