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.
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?
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.
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.