New TD Aeroplan Credit Card Offers for Fall 2021

TD has just announced their latest round of offers on their credit cards. There are a few very nice surprises here as TD keeps pace with their competitors in a blazing-hot Canadian credit card market.

They’ve significantly upped the ante on many of their Aeroplan co-branded credit cards, including the core TD Aeroplan Visa Infinite Card and the higher-end TD Aeroplan Visa Infinite Privilege Card, while maintaining a strong offer on the entry-level TD Aeroplan Visa Platinum Card.

They’ve also improved the offers on their in-house rewards cards: the higher-income TD First Class Travel Visa Infinite Card, and the mid-range TD Platinum Travel Visa Card.

Let’s take a closer look at the details of these offers, which are now valid until December 5, 2021.

In This Post

TD Aeroplan Visa Infinite: 25,000 Aeroplan Points + Buddy Pass

The TD Aeroplan Visa Infinite Card is offering a welcome bonus of 25,000 Aeroplan points plus an Air Canada Buddy Pass, up from 20,000 points previously. The annual fee is waived for the first year.

To earn the full bonus, you’ll have to meet the following conditions:

  • Earn 10,000 Aeroplan points with your first purchase
  • Earn an additional 15,000 Aeroplan points when you spend $1,000 in the first 90 days
  • Earn an Air Canada Buddy Pass, worth 30,000 Aeroplan points, when you spend $1,000 in the first 90 days

Rather than spending $1,000, Quebec residents can earn the additional 15,000 points and the Buddy Pass simply by keeping the account open and in good standing for 90 days, with no spending requirement.

With the option to convert the Buddy Pass into points, you could earn a total of 55,000 Aeroplan points. That’s by far an all-time high for the card, and the most Aeroplan points we’ve ever seen on a card with an annual fee waiver for the first year.

If not converted into points, the Buddy Pass entitles you to a second economy ticket when you book a cash fare Air Canada flight in economy within North America. There’s no co-pay for the base fare, only the taxes and fees.

Bear in mind that each Aeroplan member can only earn one Buddy Pass per card tier across all co-branded credit card issuers. Therefore, if you’ve already earned a Buddy Pass from the CIBC Aeroplan Visa Infinite Card, you won’t be able to earn another one, and the most points you’ll earn for applying for the TD Aeroplan Visa Infinite Card is 25,000 points – still a very worthwhile bonus.

As a reminder, here are the Visa Infinite card’s earn rates on ongoing spending:

And these are a few key benefits for cardholders:

  • Preferred pricing for Aeroplan award tickets on Air Canada flights
  • Free checked bag for you and your party on Air Canada flights
  • NEXUS rebate once every four years

The Visa Infinite card requires either $60,000 in annual personal income, or $100,000 in annual household income, to qualify.

TD Aeroplan Visa Infinite Privilege: 65,000 Aeroplan Points + Buddy Pass

The signup bonus on the TD Aeroplan Visa Infinite Privilege Card has skyrocketed up to 65,000 Aeroplan points plus an Air Canada Buddy Pass.

To earn the full bonus, you’ll have to meet the following conditions:

  • Earn 20,000 Aeroplan points with your first purchase
  • Earn an additional 45,000 Aeroplan points when you spend $1,000 in the first 90 days
  • Earn an Air Canada Buddy Pass, worth 30,000 Aeroplan points, when you spend $1,000 in the first 90 days

In total, if you convert the Buddy Pass into points, you’ll earn an outrageous 95,000 Aeroplan points for a very low $1,000 minimum spend requirement. This is an incredible opportunity for low spenders, with this offer presenting a Return on Spend exceeding 200%!

Compared to the American Express Aeroplan Reserve Card, you’ll earn a comparable welcome bonus for the same annual fee, but with a much lower spending requirement. Plus, you’ll receive all of the points up front, rather than staggered with 12 monthly spending requirements.

On the other hand, for high spenders who don’t shop at places that take Amex, this card would be a great way to spend your way to an Aeroplan Elite Status upgrade, with a bounty of points for your trouble.

With an annual fee of $599, this represents buying the full welcome bonus at 0.63 cents per point. While not a cheap price, it’s easy to redeem Aeroplan points at a higher value. We currently value Aeroplan points at 2.1 cents per point.

Again, keep in mind that you can only earn one Buddy Pass across all premium Aeroplan cards – although if you got the Amex Reserve during the incredible July promotion which didn’t offer a Buddy Pass, chances are you’d still be eligible to earn one from the TD Aeroplan Visa Infinite Privilege Card.

Also, note that you can earn a Buddy Pass for each card tier once every 12 months. For any keeners who got a premium Aeroplan credit card in November 2020 when the Buddy Pass was first offered, you may indeed be eligible for another if you apply towards the end of this cycle.

As always, the card’s everyday earn rates are as follows:

  • Earn 2 Aeroplan points per dollar spent at Air Canada, including Air Canada Vacations
  • Earn 1.5 Aeroplan points per dollar spent on groceries, gas, travel, and dining
  • Earn 1.25 Aeroplan points per dollar spent on other purchases
  • Until November 7, 2021, earn 2.25 bonus Aeroplan points per dollar spent at Starbucks

In addition to the travel benefits offered by the lower-tier cards, the Visa Infinite Privilege card also comes with a Priority Pass membership and six lounge passes per year, as well as Maple Leaf Lounge access.

The Visa Infinite Privilege card requires $200,000 in annual household income to qualify.

If your income is lower, or if you’ve already maxed out your opportunities to earn a Buddy Pass, you may instead consider…

TD Aeroplan Visa Platinum: 20,000 Aeroplan Points

The TD Aeroplan Visa Platinum Card is holding steady at 20,000 Aeroplan points for new cardholders. Like its Visa Infinite counterpart, this card is also free for the first year.

The points offer is familiar, and without a Buddy Pass:

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

This offer is a notable boost from what we’re accustomed to seeing. Usually offers this strong are reserved for cards with a higher income requirement. If this card is a better fit for you, or if you’ve been ignoring it in favour of premium products, now is a fantastic time to apply.

While the welcome bonus shines, ongoing earn rates aren’t quite as strong as the Visa Infinite:

The Visa Platinum card also provides preferred pricing and Aeroplan award ticket insurance, but it doesn’t offer free checked bags or a NEXUS rebate.

TD Rewards Credit Cards: Up to 100,000 Points

While the emphasis this cycle remains on TD’s Aeroplan credit cards, they’ve also made an impressive splash with their TD Rewards cards.

The TD First Class Travel Visa Infinite Card has returned to its all-time high of 100,000 TD Rewards points:

  • Earn 20,000 TD Rewards points with your first purchase
  • Earn an additional 80,000 TD Rewards points when you spend $1,000 in the first 90 days

Its junior counterpart, the TD Platinum Travel Visa Card, is also up to a new all-time high of 60,000 TD Rewards points:

  • Earn 15,000 TD Rewards points with your first purchase
  • Earn an additional 45,000 TD Rewards points when you spend $1,000 in the first 90 days

Both cards are offering a first-year annual fee waiver, so you can earn these rewards without fretting about your initial outlay.

TD Rewards points are worth a fixed rate of 0.5 cents per point for travel redemptions booked via Expedia for TD, or 0.4 cents per point for statement credit against any other travel expense. When redeemed for maximum value with Expedia, the offer on the First Class Travel card is worth $500, while the Platinum Travel card would net you $300.

While not the most highly-coveted award currency, TD Rewards points can be quite useful for oddball non-chain hotel bookings or other excursions you find on Expedia. For statement credit, they’re quite flexible, with TD being known to consider out-of-province gas or restaurant purchases as eligible “travel” expenses.

TD Business Credit Cards: Spend-Based Bonuses

The TD Aeroplan Visa Business Card and the TD Business Travel Visa Card are also offering all-time high offers, also both with the first year free. However, the breakdown might make it a bit tricky to extract the full value.

The Aeroplan Business card is as follows, worth up to 60,000 Aeroplan points:

  • Earn 10,000 Aeroplan points with your first purchase
  • Earn double Aeroplan points for the first three months, up to 20,000 additional points
  • Earn an Air Canada Buddy Pass, worth 30,000 Aeroplan points, when you spend $1,000 in the first 90 days

At the introductory rate, you’ll earn 4 points per dollar spent at Air Canada, 3 points per dollar spent on travel, dining, and select business categories, and 2 points per dollar spent on everything else. It would take $5,000–10,000 of spending to maximize this offer, after which your everyday earn rates will be cut in half, back to their normal levels.

While there are more efficient ways to earn Aeroplan points via spending, I’d say this offer is still appealing for the Buddy Pass. There are fewer ways to earn a business Buddy Pass, so I imagine most new cardholders can value it as a guaranteed 30,000 points (if you choose to convert it).

The Business Travel card is similar, worth up to 120,000 TD Rewards points:

  • Earn 30,000 TD Rewards points with your first purchase
  • Earn double TD Rewards points for the first three months, up to 90,000 additional points

Normally, the card earns 9 points per dollar spent on Expedia for TD, 6 points per dollar spent on restaurants, foreign transactions, and recurring payments, and 2 points per dollar spent on everything else.

If you can spend $5,000 on Expedia, or $7,500 in the normal 6x category, you’d be able to maximize the offer. I’d only recommend going for the card if you can hit those targets.

It’s relatively easy to get approved for business credit cards with TD as a sole proprietor. If you’re interested, I’d suggest setting up an appointment with a representative at a branch to ensure smooth sailing.


I’m thrilled to see that TD has come out swinging, in a competitive industry with travel set to resume.

Their Aeroplan offers go toe-to-toe with American Express, while handily trouncing the offers from CIBC, their closest competitor. It’s also nice to see them improving some cards that are useful for hotel rewards as they round out the appeal of their lineup.

All in all, TD is well-positioned to lead Canada’s Big 5 Banks out of the pandemic, as they are all drumming up an enthusiasm for travel with excellent credit card incentives across the board.

This is a recurring article, regularly updated with the latest round of offers. Some comments may refer to past offers that are no longer available.

  1. Bileth

    Can you receive WBs for the Aeroplan Infinite and Platinum cards within the same 12 months?

  2. kart

    I just applied for the “TD Aeroplan Visa Infinite Card” on Aug 16 which was the deadline to avail the previous offer of 20K points. I see that its now 25K points! Didn’t think it would get better! Missed the 5K points 🙁

  3. William

    If I buy an economy ticket with Buddy Pass, how do I upgrade to Business class? And if I can’t use the Buddy Pass by expiry date, can I then convert it to get Aeroplan points each year?

  4. Ryan

    Hello, would I still qualify for the welcome bonus with the TD Aeroplan Infinite card if I already have a CIBC Aeroplan Infinite Privilege card (no buddy pass)? Does it have any impact on my Aeroplan account having two cards? I’m trying to hit the minimum spend on the Privilege card for the status up offer.

    1. Ricky YVR

      Yes, you will.

  5. Abi YYZ

    “When redeemed for maximum value, these offers are worth $500 or $300, respectively.”
    I think you meant to write $500 or $400, respectively.

    1. Josh YVR

      I was referring to the First Class Travel card vs the Platinum Travel card, not Expedia vs Book Any Way. Good catch though, I clarified the article.

  6. Hussein

    On TD website, it says the bonus is 45,000 upon spending the first 1,000$. Can you please clarify?
    “Earn an additional 45,000 Aeroplan points when you spend $1,000 within 90 days of Account opening, up to a total of 65,000 Aeroplan points”

    1. Josh YVR

      20,000 when you make your first purchase + 45,000 when you spend $1,000 = 65,000 points total.

  7. steve

    Thanks for this clear overview. About the Buddy Pass – is the “start date” of the pass when you meet the minimum spend requirement or when the certificate actually appears in your Aeroplan account? It seems people are waiting weeks, even months, to get it, which certainly affects the expiry of the pass.

  8. LeLe

    Hello. Can one person have the TD Visa Infinite and the TD Visa Platinum opened at the same time? Wondering if I need to cancel my TD Visa Infinite before applying for the Platinum. Thanks!

    1. Josh YVR

      Yep, just opened both myself!

      1. Chris

        Hi Josh,
        I applied by phone today for the Platinum AP and the TD agent said that since I closed my VI card in May/20, I might NOT be eligible for the WB as it’s hasn’t been over a year.
        She said the WB is across all their credit cards, not based on type. I applied anyways so hope to get it.

        1. Josh YVR

          I’d say the agent might be misinformed 😉 I was never given such a warning, just let the system run its course and hope for the best!

          1. JJ

            I was also told that as I had recently opened a new aeroplan visa infinite that if I switched my travel infinite to the platinum aeroplan I wouldn’t get the second WB.

  9. Sebastien C

    Good day, could you comment on the “family sharing” option with these new offers. In other words, if myself and my spouse both apply for new cards, we should each get a sign up bonus. However, if your aeroplan accounts are linked to the same family plan, both sign up bonuses should end up in the “family pool”, correct?

    Or is there some exclusion criteria for that?

  10. Robin

    I currently have the TD Platinum Travel Visa and I am thinking about making the switch to the AP Platinum card. Would it be worth the switch and to try to transfer my TD points?

    1. Kent

      Hello! Just wanted to see how the product switch went. Were you able to get the welcome bonus and buddy pass? I’m thinking of doing the same (from First Class Travel to TD Aeroplan). My FCT card was opened more than. 12 months ago.

    2. colonel

      I’am in the same situation; to switch to AP, will you be able to have the bonus Aeroplan point because it not a ‘new’ application from the AP ? Also, do you mean to transfer points for TD point to Aeroplan point, if so it possible to do that ?

      1. Robin

        I switched from the TD points to AP last night. I asked if they could convert my TD points that I have saved up into AP points. Sadly they said it is not possible to convert points so I just redeemed the points I had into cash credit. I just called the phone number behind the credit card and asked if I could have switch credit card products. No application needed. It did not affect my credit score and you will still get the welcome bonus if you didn’t open a card in 12 months.

        1. colonel

          Hi Robin
          Thank a lot for the information.
          But In my case, 8 month ago , I switch for TD Aeroplan to TD platinum (TD offer me to do that). So I don’t know what can happen if I ask to switch ‘back’ to the new TD aeroplan ?

    3. Ricky YVR

      Worth giving it a go in my view.

  11. milegosu

    Loving the content and the effort you are putting into this blog Josh.
    Question for you:
    you said in the comments below that Visa platinum and Visa infinite are considered different products so PSing to a visa platinum would give me up to 20,000 points and later (let’s say hypothetically 6 months later) I can PS that card into Visa infinite to get the Visa Infinite bonus ?
    Also In “All About PSing” article by Ricky, he mentions that there have been some DPs that reports receiving unused TD points at 1:4 ratio. Would we have to do this before the product switch? Or can we do it retroactively after PSing to the new card?


    1. Josh YVR

      Glad you’re enjoying my contributions so far! 😊

      I wouldn’t expect to get the welcome bonus if you switch between products that earn the same type of rewards. Instead, you’d be eligible for both bonuses on new applications.

      I haven’t done the 4:1 recently, but in the past I’ve been told that I could do it at the time of PS. I always recommend using your points before closing or changing a card – some banks let you keep them for 2-3 months after, but just invites a whole swath of avoidable headaches.

  12. Annie

    I do hope that CIBC will match with TD’s offers, so we have more cards to open (if you know you know 😉 ) The chance may be low though as TD is the main partner of Aeroplan, all we can do is wait and see.

  13. Glen

    Any idea if canceling the card would cancel the buddy pass, or would that remain safe in your AC/aeroplan account?

    1. Josh YVR

      Great question. From the T&Cs:

      “Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product.”

  14. JMC

    Although the T&C states “excluding new cardholders from receiving the welcome bonus if you’ve opened the same card within 12 months”, does this apply on different cards in the AP program? For example, if I opened a TD AP Visa Infinite within the last 12 months, will I be qualify for WB if I applied for the TD AP Visa Platinum now? Thanks!

    1. Josh YVR

      Yes you’ll be eligible for both, as the Infinite and Platinum cards are different products.

      1. JMC

        Great to hear! Thanks Josh! 🙂

    2. Joy

      I’m also wondering the same thing!

  15. trend

    Is it qualified to apply it through switching from other TD credit card?

    1. Josh YVR

      There’s no language in these offers that specifically says “new applicants only” but you should still consider if you’re eligible based on the last time you received a bonus. You can read more here.

  16. litokid

    >Also, each Aeroplan member can only earn one Air Canada Buddy Pass for each card tier (core, premium, or business) at all banks, up to a maximum of three Buddy Passes.

    Whoa that seems something fairly big mentioned at the end! Not that most people would qualify for 3 buddy passes, or have use for them. Josh, do you know if this limit on an annual basis or indefinite?

    1. Josh YVR

      It’s too early to say, as the Buddy Pass was only introduced two months ago. I think it will depend on how well the Buddy Pass is received, and if Air Canada determines that loyalty members will value it as a recurring feature going forward.

      If you want to stagger the expiry dates of your Buddy Passes, it might be wise to space out your new core, premium, and business cards, and tackle each tier all at once. For example, do Visa Infinite at TD + CIBC now, VIP at both + Amex Reserve a few months later, and Business cards at all three a few months after that.

      1. CR

        Why stagger it that way?

        1. Josh YVR

          The Buddy Pass is valid for a year from the date it’s issued. That way you’d space them out. Obviously depends on your travel plans within the next 12 months.

      2. litokid

        Good points – thanks!

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