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New TD Aeroplan Visa Infinite Offer for 45,000 Points

Aeroplan has made a big splash with the Air Canada Buddy Pass in 2021. By allowing members to convert it into 30,000 Aeroplan points, they’ve effectively catapulted the welcome bonuses on almost all of the Aeroplan credit cards to all-time highs.

There’s a new offer for the TD Aeroplan Visa Infinite Card, available until July 21, 2021 as an alternative to TD’s public summer offers: you’ll earn 45,000 Aeroplan points, but no Buddy Pass.

Promotional Link: 45,000 Aeroplan Points

You can access the offer for the TD Aeroplan Visa Infinite on the Air Canada website. If you apply with this promotional link, you’ll be eligible to receive up to 45,000 Aeroplan points:

  • Earn 10,000 Aeroplan points when you make your first purchase
  • Earn an additional 35,000 Aeroplan points when you spend $1,000 in the first 90 days

(As usual, Quebec residents can earn the latter portion simply by keeping their account open and in good standing for 90 days, with no spending requirement.)

TD Aeroplan Visa Infinite Card
Welcome Bonus
20,000 Aeroplan points + Buddy Pass
Annual Fee
First Year Free
First-Year Value
$1,071

Like the main offer, you’ll get a first-year annual fee waiver for the primary cardholder and up to three additional cardholders. You’ll also get the baseline 10,000 points just for opening the card.

The key difference with this offer is the reward for meeting the minimum spend requirement: you’ll get an extra 35,000 points, instead of 10,000 points plus a Buddy Pass.

That brings the total to 45,000 Aeroplan points – the highest outright bonus we’ve ever seen on the TD Aeroplan Visa Infinite, with a sparklingly low minimum spend requirement and no first-year annual fee.

However, consider that the Buddy Pass can also be converted into 30,000 Aeroplan points, bringing the total haul for the main offer up to a potential 50,000 Aeroplan points. On the surface, this new offer looks like a step down… but is it that simple?

New Buddy Pass Strategy: Earn More Aeroplan Points

While the Buddy Pass effectively represents 30,000 Aeroplan points, that doesn’t mean you should treat it like an automatic 30,000-point bump on every credit card offer that includes it.

Recall that you can only earn one Buddy Pass for each credit card tier, regardless of the credit card issuer. That means you can only earn one Buddy Pass for all core Visa Infinite cards, one for all premium Visa Infinite Privilege and Amex Reserve cards, and one for all business cards.

Note the terms and conditions of CIBC and TD’s main offers. It seems this provision is enforced by Aeroplan, not by the banks:

This one-time Bonus Buddy Pass is only valid for eligible cardholders. You will not be eligible for the Bonus Buddy Pass if you have previously opened an Aeroplan Program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months.

That makes things a bit more complicated for anyone with new credit cards from multiple banks.

CIBC Aeroplan Visa Infinite Card
Welcome Bonus
20,000 Aeroplan points + Buddy Pass
Annual Fee
First Year Free
First-Year Value
$1,071

If you’ve already opened the CIBC Aeroplan Visa Infinite Card, for 20,000 points plus a Buddy Pass, you could still open TD’s equivalent card via the main offer – but you’d only earn 20,000 points, and no Buddy Pass.

Alone, each card will net you up to 50,000 points. But together, the most you’ll earn from the two main offers is 70,000 points.

Instead, if you combine the main CIBC offer with this promotional TD offer, you can earn up to 95,000 Aeroplan points, for a total of $2,000 spent and no first-year annual fees:

  • 20,000 Aeroplan points from the CIBC Aeroplan Visa Infinite’s base offer
  • 30,000 Aeroplan points for converting the core-tier Buddy Pass from the CIBC Aeroplan Visa Infinite
  • 45,000 Aeroplan points from the promotional TD Aeroplan Visa Infinite offer

This new points-only offer might also be useful if you can’t open many credit cards at once, or if you’re not in CIBC’s good graces for whatever reason.

While CIBC credit cards have been delivering the Buddy Pass within a few days of meeting the spending requirement, TD has been taking their sweet time. It can take up to 90 days after fulfilling the offer’s conditions before the Buddy Pass arrives in your Aeroplan account.

After that, you’ll still have to wait for Air Canada to process your request to convert the Buddy Pass into points. How long that will take is anyone’s guess. On the other hand, you’re more likely to receive the regular points component of a welcome bonus within a few days of the statement on which you cross the spend threshold.

Therefore, if you need points in your account quickly, it might be wise to forgo the extra 5,000 points, and use the promotional link instead for an offer with a simpler structure.

Who’s Eligible for the Promotional Offer?

The terms and conditions suggest that the offer was distributed via email, with a unique one-time code for each recipient:

This offer is not transferable. The promo code in the offer can only be used by the recipient and may only be used once and prior to the expiration of the pre approval offer.

Even so, you can still see the 45,000-point offer by visiting this generic link. After clicking through to the application as a new TD client (not logged into TD or Aeroplan), I’m still seeing the extra points:

Whether or not this promotion is only intended for targeted Aeroplan members, I’m encouraged by the fact that it’s visible via the generic link.

Unfortunately, there have been many glitches with TD’s online application system lately, and many people are getting declined with no rhyme or reason. As this offer is only available on the Air Canada website, you won’t be able to apply for it in person or over the phone with TD. If you do need to call to push your application through, I’d suggest having the promotion handy in case TD’s representative isn’t aware of it.

There’s one major exclusion in the terms and conditions to take note of (not listed on the main offer on the TD website), which would likely rule out some of our readers:

Existing TD Aeroplan Visa Infinite Cardholders are not eligible for this offer.

As always, your mileage may vary when it comes to how strictly these terms are enforced. And if you hold a different Aeroplan credit card with TD, like their Platinum or Infinite Privilege cards, you’d still be eligible for this offer.

Conclusion

TD and Aeroplan have mixed things up with another credit card offer, this one for 45,000 Aeroplan points on the TD Aeroplan Visa Infinite Card.

Be sure to apply by July 21, 2021 via this promotional link if you’re interested. Alternatively, the main offer for 20,000 Aeroplan points plus a core-tier Buddy Pass is also still available until August 16, 2021.

I wouldn’t say the new offer is strictly better or worse than the main one, but it certainly opens up some creative possibilities to earn more points with several cards on your roster. As you navigate the best way to maximize the one-time Air Canada Buddy Pass for each card tier, I suspect this opportunity will be most lucrative for anyone who hasn’t yet applied for a Visa Infinite card since last year’s Aeroplan refresh.

The Buddy Pass conversion is now available indefinitely, and TD’s spring offers with the Buddy Pass have just been extended through the summer. Now, with a new promotional link that only has a points component (and a very large one at that), I imagine that Air Canada is feeling out the demand for the Buddy Pass.

Whether cardholders have more of an appetite for a two-for-one revenue fare for North American travel in economy, or if they’d prefer to build large balances of points for intercontinental premium partner cabin redemptions, I think there’s still lots to be determined about the long-term future of the new Aeroplan program and how it engages its loyal members.

Either way, it’s always good to see more offers for more points, and you never know if you might be able to capitalize on this one. 😉

16 Comments
  1. Avatar
    Chris

    Hi,
    Is the 12 month to qualify to new WB based on the last day of cancelling/PS from the original card or from when the WB was posted on the original card. PS from VI back in Sep.20 (WB posted back in 2018). It’s been 8 months so wondering if can get the new WB now?

  2. Avatar
    Justin

    Talked with a rep today after i was declined (was declined due to me missing a phone call from the credit analyst to confirm former address/employer). Told me that he can see the code on the online app but there system will not allow him to input it for the phone applications. So it looks like you need that first app to go through or youll be stuck with the normal offer 20K + BP. He did put a number of notes about the offer in my application so maybe ill get it but not holding my breath.

  3. Avatar
    DenB®

    Has anyone actually submitted an application under this promo and had the application processed by TD? After the application script failed to submit and failed to do a hard pull, I got 100% pushback from TD, claiming it’s not a valid promo.

    1. Avatar
      Brenda yun

      I got approved.

    2. Avatar
      Dennis

      I just got approved with the limited offer of up to 45,000 Aeroplan points, plus first year no annual fee.

      1. Avatar
        Robert

        Do you have a CIBC AP VI? I’m just wondering if they will approve someone who has any type of AP VI on their account. I want to try this, but I don’t want to get screwed with only getting 20k AP and no buddy pass.

        1. Avatar
          Dennis

          Robert, I used the link above to get the 45K AP points vice the standard promotion which includes the Buddy Pass. For some reason, it was the last “promotion” link in this blog post that took me to the bonus. Yes, I do have the CIBC AP VI and recently received the CIBC AP Bus VI.
          My confirmation from TD states, 10k pts after the first purchase then 35k after the min spend of $1k.
          I also followed the advice of many here to clear your browser and use incognito window.

  4. Avatar
    Robert Gilbert

    Hey Josh: Got my TD a few months ago, got my first 10K, then another 10K after I hit $1000+ in spending. But I have been waiting for my BP for almost 2 months after I spent over $4000. Do you have an idea what the issue could be? Many thanks!

    1. Josh
      Josh

      I haven’t heard of anyone who got their TD Buddy Pass sooner than 3 months after meeting the spend requirement. Hang tight, it’ll come.

      1. Avatar
        Robert Gilbert

        Thanks Josh!

  5. Avatar
    Brandon

    The first time I tried the promotional link above, it still came up with the standard 10k + 10k + BP offer. I closed the window and tried again, and it then showed the 10k + 35k offer. Went through the application process, and at one of the review stages checked the offer terms, and the fine print still showed the 10k + 10K + BP, did not reference the 45k promotional offer WB. Hopefully it was just a glitch in the terms they referenced, already claimed a BP as part of the CIBC AP VI, so don’t qualify for another one this year…..

  6. Avatar
    Bileth

    Always get rejected by TD. They seem to have it out for me ever since they forgot to close an account and it destroyed my credit score.

  7. Avatar
    Luke

    Out of curiosity. If you’ve had the CIBC/TD AP cards from back in spring/summer of 2020 (June for example). Would applying for them now (say at 11 months) exclude you from the points/Buddy pass 12 month window restriction?

  8. Avatar
    PaulK

    I’ve converted two buddy passes so far; the first one (TD Infinite Priv) took about two weeks, AC deleted the buddy pass first and then, a few days later, credited the points. The second buddy (CIBC Infinite) was converted in a few days with an almost simultaneous deleting/points crediting.

    And Josh, you are correct – the TD buddy took three months to arrive after meeting the minimum spend; the CIBC 2 days.

  9. Avatar
    Richard Strang

    Just tried to apply with the link, and got this message at the end of the application process: Unfortunately, we cannot complete your application online. Please call us at 1-800-983-2582 or book an appointment at your nearest branch and we will help you complete it.

    Since you can’t apply over the phone or in the branch, as indicated in the article, it could be that you can’t use the generic link if your Aeroplan number or some other piece of information doesn’t match the targeted list. This is just speculation

    1. Josh
      Josh

      I’ve been a TD client my entire life and I always get that message… I think it’s just a glitch with the online application. It also looks like a TD issue, whereas if there’s a restriction on who’s eligible, that would be on the Aeroplan side.

Josh

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