Aeroplan is the best frequent flyer program in Canada, and with that, it is also the program of choice that many consumers look to earn points in to make their next flight redemption a reality.
While you could earn Aeroplan points the more traditional way through flying on Air Canada and Star Alliance partners, you can also supercharge your earnings by holding and using one of the best Aeroplan credit cards available to Canadians: the TD Aeroplan Visa Infinite Privilege card. Not only does this card present a good opportunity to earn Aeroplan points, but it also comes with a significant amount of Air Canada and travel-related benefits to improve your next vacation.
Let’s dive into our TD Aeroplan Visa Infinite Privilege card review to see if this premium credit card has a spot in your wallet.
Overview
Welcome Bonus
The TD Aeroplan Visa Infinite Privilege card currently has a welcome offer in which cardholders can earn up to 85,000 Aeroplan points:
- Earn 20,000 Aeroplan points upon first purchase†
- Earn 40,000 Aeroplan points upon spending $10,000 in the first 180 days of account opening†
- Earn 25,000 Aeroplan points upon spending $15,000 within 12 months of account opening†
The TD® Aeroplan® Visa Infinite Privilege* card earns Aeroplan points and offers cardholders a variety of Air Canada benefits including priority boarding, free checked baggage, and Maple Leaf lounge access.
Check out our TD Aeroplan Visa Infinite Privilege card review for more details.
85,000 Aeroplan
$15,000
$1,186+
$599
Yes
Jun 3, 2024
†Terms and conditions apply.
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.
This offer is not available for residents of Quebec.
The account must be approved by June 3, 2024 to be eligible for this offer.
Aeroplan points are valued at around 2 cents per point and as a result, this welcome bonus is worth around $1,700 when redeeming for an award flight on Air Canada or another Star Alliance carrier.
Earning Rates
The TD Aeroplan Visa Infinite Privilege credit card accrues Aeroplan points for all eligible purchases made on the card:
- 2 Aeroplan points for every dollar spent on Air Canada purchases, including Air Canada flights and Air Canada Vacations packages.
- 1.5 Aeroplan points for every dollar spent on eligible gas, groceries, travel, and dining.
- 1.25 Aeroplan points for every dollar spent on all other purchases.
The earning rates are reasonable, and it’s nice to have a credit card that natively accrues Aeroplan points as that means any spend on this card also counts towards Aeroplan’s Everyday Status Qualification program if you are looking for an easier path to Aeroplan 25k status.
Annual Fee
The TD Aeroplan Visa Infinite Privilege credit card is a premium credit card, and as a result, commands a premium annual fee of $599.
While an annual fee this high may create sticker shock for some who have yet to explore the benefits of premium credit cards, when you take a look at the holistic package the card offers, including welcome bonus and benefits, you are receiving far more than the annual fee in value making it well worth signing up for.
Benefits
The TD Aeroplan Visa Infinite Privilege credit card comes with a wealth of benefits on Air Canada, Dragonpass airport lounge passes, a NEXUS rebate, and a variety of insurance coverage. If you are a frequent Air Canada passenger, this is one of the best Visa credit cards in Canada to have in your wallet.
Air Canada Benefits
TD Aeroplan Visa Infinite Privilege cardholders will receive a free first checked bag on Air Canada flights. This benefit extends to up to eight guests that are traveling on the same reservation and is a great way to save on Air Canada baggage fees. The cardholder and guests on their itinerary will also receive priority check-in, priority boarding, priority airport standby, and priority baggage handling.
The primary cardholder will receive complimentary and unlimited access to the network of Air Canada Maple Leaf Airport Lounges to indulge in food, drink, and a quiet place to rest before their next flight on Air Canada or a Star Alliance carrier. Complimentary access is currently provided for the cardholder and one guest until the end of 2023. Same-day boarding passes for an Air Canada flight or Star Alliance flight are required to enter.
If you are working towards Aeroplan elite status, or more particularly the valuable Aeroplan 50k status, spending on the TD Aeroplan Visa Infinite Privilege card can earn you status qualifying miles (SQM) and status qualifying segments (SQS). Cardholders will receive one status qualifying segment and 1,000 SQM for every $5,000 in net purchases on the card.
Cardholders who hold elite status within the Aeroplan program can roll over up to 50 unused eUpgrade credits to be used during the following status year. Check out our introduction to eUpgrades or comprehensive eUpgrades guide to ensure you are getting the most value out of your eUpgrades.
Upon spending $25,000 on the TD Aeroplan Visa Infinite Privilege in an anniversary year, the cardholder will receive an Air Canada Worldwide Companion Pass. Starting at $99 (and increasing depending on destination), this pass allows the cardholder to book a cash fare on Air Canada for themselves and a companion at a discount.
Once earned, the companion pass will show up on your Aeroplan account. The cardholder will pay the full cost of the fare (taxes and fees included), while the companion will only have to pay the applicable companion ticket fee (+ any fees/taxes associated with the ticket).
Dragonpass Airport Lounge Passes
TD Aeroplan Visa Infinite Privilege cardholders are eligible to receive complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International Ltd in addition to six complimentary airport lounge passes.
These lounge passes can be used by the cardholder and their guests at any eligible lounge worldwide. Cardholders will receive six annual passes each membership year and can enroll via the Visa Airport Companion program app or here.
NEXUS Rebate
TD Aeroplan Visa Infinite Privilege cardholders are also eligible to receive up to $100 in NEXUS program rebates every four years. This is given in the form of a statement credit when using the card for a NEXUS application fee or NEXUS membership renewal.
The credit can be activated by simply using your TD Aeroplan Visa Infinite Privilege card when applying for or renewing your NEXUS membership. You will be charged the fee but receive a statement credit within a few days of making the transaction.
I recommend looking into applying for a NEXUS membership if you travel often and want to improve your airport experience. I recently went through the interview process and it was smooth enough, requiring an interview in Canada and one when I was traveling to the United States. The benefits are great, especially as more airports start to implement Verified Traveller programs where you don’t need to even take any items out of your bags.
Insurance Coverage
The TD Aeroplan Visa Infinite Privilege card comes with a suite of insurance coverages for both travel and day-to-day life.
As this card is a premium travel-focused credit card, the majority of the insurance coverages are tied to travel needs. Cardholders will benefit from emergency medical insurance, trip cancellation and trip interruption insurance, flight and trip delay insurance, delayed and lost baggage insurance, common carrier travel accident insurance, hotel and motel burglary insurance, and rental car collision loss damage coverage.
Most notably, if you charge the taxes and fees on an Aeroplan award booking to your card, you will be covered by those applicable insurance coverages. This is massive, as many cards do not cover award travel as they require the full cost of the flight to be charged to them. If you are interested in how this works, learn more about credit card travel insurance and award flights.
On the day-to-day insurance coverages side, cardholders can benefit from purchase security insurance, extended warranty protection, and mobile device insurance.
If you want to dig into the weeds to understand the full package of insurance coverages that are offered on the TD Aeroplan Visa Infinite Privilege card, you can access the insurance certificate here.
Redeeming Aeroplan Points
Aeroplan points can be redeemed for a variety of purposes, including flight rewards, hotel stays, car rentals, gift cards, and merchandise. However, the undisputed best use is to redeem Aeroplan points to book flights on Air Canada and Star Alliance partners.
Making award flight redemptions is an art and there are best practices when booking award flights. While it absolutely requires some additional legwork in determining the possible routing and availability (consider using FlightConnections and ExpertFlyer respectively), the rewards of being able to fly economy, business, or first class for pennies on the dollar are well worth the extra work.
Comparable Cards to the TD Aeroplan Visa Infinite Privilege Card
There are a few other Aeroplan co-branded credit cards available in Canada. Let’s take a look at two other premium credit cards, and one standard travel credit card to ensure you are adding the best credit card for your needs to your wallet.
American Express Aeroplan Reserve Credit Card
The American Express Aeroplan Reserve credit card has the same annual fee and the exact same benefits when flying with Air Canada.
The Amex Aeroplan Reserve card earns Aeroplan points and offers cardholders various Air Canada benefits including priority boarding, free checked baggage, and Maple Leaf lounge access. In 2024, we awarded this card as the Best Air Canada Aeroplan Credit Card.
Check out our American Express Aeroplan Reserve card review for more details.
85,000 Aeroplan
$10,000
$1,186+
$599
Yes
–
All benefits on this card are identical to the TD Aeroplan Visa Infinite Privilege card but remember, this is an American Express card, so acceptance may be more limited at certain merchants.
CIBC Aeroplan Visa Infinite Privilege Credit Card
The CIBC Aeroplan Visa Infinite Privilege credit card also has the same annual fee and similar benefits when flying with Air Canada.
The CIBC Aeroplan Visa Infinite Privilege card earns Aeroplan points and offers cardholders various Air Canada benefits including priority boarding, free checked baggage, and Maple Leaf lounge access.
90,000 Aeroplan
$25,000
$1,291+
$599
Yes
–
While similar in many ways, the CIBC Aeroplan Visa Infinite Privilege card offers a lower NEXUS rebate of $50. The welcome bonuses are often similar between these two cards as well.
TD Aeroplan Visa Infinite Credit Card
If you don’t meet the income requirements of the TD Aeroplan Visa Infinite Privilege credit card or are not quite at the point where you want to spend $599 on an annual fee, the TD Aeroplan Visa Infinite card is a great alternative.
The TD® Aeroplan® Visa Infinite* card earns Aeroplan points and offers cardholders various benefits including a free first checked bag on Air Canada and a $100 NEXUS membership credit.
50,000 Aeroplan
$10,000
$911+
$139
Yes
Jun 3, 2024
The card still offers a free checked bag on Air Canada for the cardholder and up to eight guests on the same itinerary, a $100 NEXUS rebate, and the ability to earn Aeroplan Status Qualifying Miles and Status Qualifying Segments through spending. If you are looking for a way to accrue Aeroplan points while paying a lesser annual fee, this card is a great option.
Conclusion
The TD Aeroplan Visa Infinite Privilege credit card is a fantastic card, especially if you find yourself flying on Air Canada frequently. Between a generous welcome bonus and strong benefits, this is one card that I hold on to year-over-year to make my travel on Air Canada that much more enjoyable.
Josh Bandura
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The CIBC Aeroplan Visa Infinite Privilege DOES give cardholders the ability to earn an annual worldwide companion pass. It’s written on CIBC’s website.