TD Aeroplan Visa Infinite: In-Path Offer for 45,000 Points

The Fall 2021 welcome offers on the TD Aeroplan credit cards are fairly impressive, having improved upon the strong bonuses we had previously seen in the spring and summer of 2021. 

However, there’s one notable caveat: for Aeroplan members who are primarily interested in earning Aeroplan points rather than the Air Canada Buddy Pass, the November 30 end date of the Buddy Pass conversion opportunity makes TD’s Fall 2021 offers a little less appealing.

That’s because TD tends to take a long time to deposit the Buddy Pass even after you complete the minimum spending, so you probably won’t receive the Buddy Pass in your Aeroplan account before the November 30 deadline to convert it into 30,000 Aeroplan points.

Thankfully, just like we saw earlier in 2021, there’s now an alternative offer for the TD Aeroplan Visa Infinite Card available until December 5, 2021 that’s more favourable for points earners: you’ll earn 45,000 Aeroplan points, but no Buddy Pass.

New In-Path Offer: 45,000 Aeroplan Points

This new alternative offer for the TD Aeroplan Visa Infinite is known as an “in-path offer”: it shows up during the booking path of an Air Canada flight.

We’ve seen similar in-path offers on the American Express Aeroplan cards in the past, and it’s also a common practice among the major US credit cards. Indeed, in-path offers appear to be quite successful in generating conversions for the airlines and credit card issuers.

You can access the in-path offer simply by starting to make a new flight booking on the Air Canada website. 

I had run a dummy search for a Toronto–Vancouver round-trip flight (paid with cash, not points), and saw the following banner show up on the price summary page:

(If you don’t see the banner showing up, try running a search using your browser’s incognito mode.)

Clicking on the “Apply and Book” button, I was then taken to TD’s secure page to complete the application:

The breakdown of the welcome bonus is as follows:

  • 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

Note that there’s some inaccuracy on the TD website when you pull up the terms and conditions, as the terms appear to make reference to a separate offer involving a Buddy Pass instead.

However, Air Canada has confirmed that the “true” terms and conditions governing this in-path offer are meant to be the following:

Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite* Card Account (“Account”) only after the first Purchase is made on the Account. To receive the additional bonus 35,000 Aeroplan points you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. Rebate of the Annual Fee is for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder Annual Fee Rebates, you must add your Additional Cardholders by December 5, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points, and additional bonus Aeroplan points awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points and additional bonus Aeroplan points are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points, additional bonus Aeroplan points to be credited to your Aeroplan Member account.

TD Aeroplan Visa Infinite Card
Welcome Bonus
25,000 Aeroplan points + Buddy Pass
Annual Fee
First Year Free
First-Year Value

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 Aeroplan 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, matching the highest outright bonus we’ve ever seen on the TD Aeroplan Visa Infinite, with an enticingly low minimum spend requirement and no first-year annual fee.

Is This Better Than 25,000 Points + Buddy Pass?

The public offer for the TD Aeroplan Visa Infinite is 25,000 Aeroplan points and an Air Canada Buddy Pass, also upon spending $1,000 in the first three months and also with the first-year fee waived.

Compared to a straight 45,000 Aeroplan points, which offer is better?

In theory, an Air Canada Buddy Pass can be converted into 30,000 Aeroplan points until November 30, 2021. On the face of it, the public offer is therefore worth 55,000 Aeroplan points, superior to the in-path 45,000 Aeroplan points.

However, note that you need to have the Buddy Pass in your Aeroplan account by November 30 in order to convert – and it’s well-documented that TD takes a long time to deposit the Buddy Pass after you complete your minimum spending.

If you were to apply now, it’s unlikely that you’ll get the Buddy Pass deposited by November 30. So if you’re more interested in Aeroplan points than the Buddy Pass, then the in-path offer for 45,000 Aeroplan points would be a better bet. 

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

Instead, CIBC and American Express are more reliable about depositing the Buddy Pass soon after you hit the minimum spend.

If you wanted to maximize your earnings across the different issuers, you could combine a Buddy Pass offer on a CIBC or Amex product with TD’s in-path offer for 45,000 points outright. 

Indeed, if you combine the main CIBC offer with the in-path 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 base offer on the CIBC Aeroplan Visa Infinite
  • 30,000 Aeroplan points for converting the Buddy Pass from the CIBC Aeroplan Visa Infinite
  • 45,000 Aeroplan points from the in-path offer on the TD Aeroplan Visa Infinite

Who’s Eligible for the In-Path Offer?

Since the in-path offer shows up for virtually anyone who tries to book a flight on the Air Canada website, everyone ought to be eligible for it, and there shouldn’t be any targeted criteria. 

Unfortunately, some applicants have reported encountering challenges with TD’s online application system lately, and many people are getting declined with no rhyme or reason.

As this offer is only available through the Air Canada booking flow, you won’t be able to apply for it in-branch or over the phone with TD.

If you do need to call to push your application through, I’d suggest being ready to explain the nature of the Air Canada in-path offer in case TD’s representative isn’t aware of it.


TD and Aeroplan have mixed things up with an in-path credit card offer for 45,000 Aeroplan points on the TD Aeroplan Visa Infinite Card.

Be sure to apply by December 5, 2021 by pulling up a dummy booking on the Air Canada website if you’re interested. Alternatively, the main offer for 25,000 Aeroplan points plus a core-tier Buddy Pass is also still available until until the same date.

Keeping in mind the impending end of the Buddy Pass conversion opportunity, the in-path offer for 45,000 Aeroplan points would be strictly superior to the main offer if you’re primarily interested in points over companion passes. 

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

    Attempted the online application and was given an unexpected error message at the end. Spent about 45m on hold with TD and was hung up on after being told “sure I’ll be able to help you.” Spent another 1h on hold and had a fantastic rep who didn’t have access to the promotion (tried on her TD computer but nothing came up; tried on her personal computer and got the AMEX offer). She said I had 8 profiles (not sure how…I’ve only ever had 2 products with TD) on the TD system and that’s likely why it wasn’t going through. Processed an app for the 10k+15k/FYF offer but put a note on my account that provided manager approval for me to call in for the extra 20k points once I hit the $1k MSR.

    I’ve booked an appt with my nearby branch to merge the accounts (need to show ID in-person) for next Friday. Hoping everything goes smoothly.

  2. YL

    I keep getting offered the AMEX Aeroplan Card instead.. I’ve tried incognito mode and different browsers. I can’t get the TD one to show up 🙁

  3. Will Danicek

    Did the application while waiting for an appointment, instant approval . Now I have 3 aeroplan cards. thx for the post Ricky

  4. Kenny

    Do you actually need to go through with the AC flight booking to qualify for the in path offer?

    1. Ricky YVR

      Nope, no obligation to actually book the flight, it’s just a way to pull up the offer.

  5. Alina

    I am getting denied and suspect it could be due to being unable to provide complete information online. Specifically, for address confirmation, it asks how long I have lived at my address (just a bit over a year), and then does not ask for any previous address. When I called in, the rep claims they have no way of seeing exactly why the application was denied, but claims incomplete information is a common reason for online applications. He said it needs to have 3 years of address history, yet I have no way of entering that on the online form. He offered to apply over the phone, but like others mentioned, the 45K points offer is not available that way. No way of amending the online application so that it can be reconsidered either. Very poor experience. I tried resubmitting my app stating that I lived at my address for over 3 years, but get denied again, which is not surprising, since it won’t match the info on my credit report. Too bad, so sad, it would have been an easy batch of 90K points for me and P2.

    1. Shaun

      Same thing here. Myself and wife were denied. We got a different reason every time we talked to them. Finally they said need 3 years. I figured they were making that up also. Built our new house 2 and a half years ago. If the application needs more than 3 years, why not ask for additional previous addresses like every other bank. So even if you are Jeff Bezos or a multi millionaire, you will be denied if you changed your residence in the past 3 years. Only bank that I have had issues with unfortunately.

  6. Alex

    Has anyone actually gotten the 10k + 35k points from this offer?

  7. Lawrence Yu

    I called 18009838472 and mentioned the air canada offer. They have the promo on file, so they can help you apply over the phone.

  8. Jon

    Something particularily smells over there at TD. I just got refused for a small $10k Visa Infinite after an online application. I applied last year, same thing. My credit score on both Equifax and Transunion is Excellent, pay off CC every month, nothing in delinquincy, yet same result. Credit utilization is a bit high slightly above 30%, but due to mortage. Pay is above required amounts, yet still get refused!!! What to do? They had no issue with Car loans which get paid off before term, but I guess I an extreme credit risk somehow?? Out of ideas!

  9. Don

    I applied two days ago for the TD card with the 45,000 points promo ( application deadline of July 21). I got the message saying there was a system error, so I the spoke to a rep and she could not find anything in her system about this promo….saying all she could find was the offer that included the Buddy Pass. I spent a lot of time with this repand she told me she was emailing her supervisor and trying to get info about the 45,000 promo. After a very long conversation with the rep, I told her that I would try again in a couple of days…hoping the error will be fixed. I tried gain today and still got the system error message. Any ideas of how I can move ahead with the application?

  10. Chris

    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?

  11. 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.

  12. DenB® YTO

    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. Daniel

      I just got Approved

    2. Brenda yun

      I got approved.

    3. Dennis

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

      1. 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. 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.

          1. Daniel Anggara

            For what it’s worth: I am an existing CIBC Aeroplan Visa Infinite cardholder, and I applied for the TD equivalent Visa using the link and got approved for the card plus I was given first year fee waiver and up to 45,000 Aeroplan miles sign up bonus.

  13. 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 YVR

      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. Robert Gilbert

        Thanks Josh!

  14. 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…..

  15. 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.

    1. bob

      Wow. Small world except I did close my account and $1 late interest charge was added. As I was younger and foolish I decided not to pay it out of “principle” (pun intended), for a very long time. Evil TD also destroyed my credit score but a nice former Canada Trust lady help me rebuild it with a prepaid card… after this 1 attempt for TD card, won’t try again. They have at least 2 defects on their online application, of the them being creating secondary profiles from the application that does not match your older profile when you were a client, then auto-declining you for not being able to identify you.

  16. 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?

  17. Paulk YYZ

    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.

  18. 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 YVR

      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.

Ricky Zhang

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