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TD Aeroplan Visa Infinite Card

Last updated: May 31, 2021
  • 20,000 Aeroplan points + Buddy Pass
  • $1,071 First-year value
Best offer is available publicly until August 16, 2021
Signup bonus:
10,000 Aeroplan points upon first purchase
10,000 Aeroplan points upon spending $1,000 in the first three months
Total of 20,000 Aeroplan points
Air Canada Buddy Pass upon meeting minimum spending, convertible into 30,000 Aeroplan points
Annual fee:
$0 for the first year, then $139
Earning rate:
1.5 Aeroplan points per dollar spent on grocery and gas
1 Aeroplan point per dollar spent on all other purchases
Perks & benefits:
Free first checked bag on Air Canada flights
Preferred pricing on Air Canada flights
$100 NEXUS credit
Insurance:
Strong

Bonuses & Fees

Until August 16, 2021, the TD Aeroplan Visa Infinite offers 20,000 Aeroplan points and an Air Canada Buddy Pass, distributed as follows:

  • 10,000 Aeroplan points upon first purchase
  • 10,000 Aeroplan points and an Air Canada Buddy Pass upon spending $1,000 (non-Quebec) or keeping your account open and in good standing (Quebec) in the first three months

The annual fee of $139 is waived for the first year under the current promotion; otherwise, holding TD’s All-Inclusive Banking Plan can also waive the annual fee on this card.

The signup bonus of 20,000 Aeroplan points is on par with some of the typical offers we see on this card. However, there’s a lot of extra value in the Air Canada Buddy Pass, which is essentially a buy-one-get-one voucher for paid Air Canada economy class flights within North America. If you’d be able to unlock value from the Buddy Pass because you’ve planned some upcoming travel as a couple or a family, then that makes this offer quite strong.

You now also have the option to convert your Buddy Pass into an additional 30,000 Aeroplan points. If you fly solo or prefer business class or overseas travel, that would be a better choice, bringing your total haul to 50,000 Aeroplan points. That’s an astounding offer, surpassing the card’s historic high and easily among the best around.

Whether you use the Buddy Pass or convert it into Aeroplan points, you can only earn one Buddy Pass every 12 months between this card, the CIBC Aeroplan Visa Infinite, and the American Express Aeroplan Card. If you plan to open two or more of these cards in the “core” Aeroplan tier, you’ll only receive the Buddy Pass once, so keep that in mind as you sketch out your anticipated welcome bonuses.

Supplementary cards can be added to your account as well. The first authorized user is free for the first year, while remaining cards will be charged at a $75 annual fee per card.

Earning Rewards

The TD Aeroplan Visa Infinite offers you 1.5 Aeroplan points per dollar spent on gas and groceries. Meanwhile, you’ll earn 1 Aeroplan point per dollar spent on all other purchases.

The earning rates on this card are good, but not great. The 1.5x category is outstripped by the American Express Gold Rewards Card, which offers 2 Amex MR points per dollar spent on the same purchases. Since Amex MR points can be transferred to Aeroplan at a 1:1 ratio, the 1.5x multiplier on the TD Aeroplan doesn’t quite stack up to that, and you’d be better off using the Gold Rewards Card instead.

However, there’s something to be said for keeping the TD Aeroplan card as a backup Visa option in your wallet, since some of the establishments where you shop might not accept American Express. In that case, earning 1.5 Aeroplan points per dollar spent on the bonus categories and 1 Aeroplan point per dollar spent on other purchases is a decent return.

Perks & Benefits

The TD Aeroplan Visa Infinite prides itself upon a strong set of Air Canada travel benefits. As a cardholder, you’ll receive:

  • Free first checked bag on Air Canada flights, for the primary and supplementary cardholders
  • Preferred pricing when redeeming Aeroplan points for Air Canada flights
  • The ability to earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS) for every $10,000 you spend on the card
  • Your Aeroplan points won’t expire for as long as you’re a cardholder

On top of that, a unique perk on this card comes in the form of a $100 NEXUS credit, which is not offered by either CIBC and American Express in this product category.

Insurance Coverage

As a premium travel credit card, the TD Aeroplan Visa Infinite comes with an impressive suite of insurance benefits, including:

  • Emergency medical insurance of up to $1,000,000 on the first 21 days of a trip (4 days for cardholders aged 65 and up)

  • Trip cancellation/trip interruption: For trip cancellation, up to $1,500 per person and $5,000 total, which protects against unforeseen factors affecting your trip and for Trip Interruption, up to $5,000 per person and $25,000 total

  • Delayed and lost baggage insurance of up to $1,000 per person towards the purchase of essential items if your baggage is delayed by more than six hours or lost

  • Flight delay insurance of up to $500 if your flight is delayed by more than four hours

  • $500,000 Common Carrier Accident insurance, which protects you in case of a travel-related accident

  • Auto rental damage & loss insurance, which can help you save on the insurance fees that car rental companies would otherwise charge

One outstanding feature of the card is that the insurance applies to Aeroplan award tickets when you charge the full taxes and fees of the redemption ticket on your TD Aeroplan Visa Infinite.

There aren’t many cards out there with insurance benefits for award travel, so being able to insure your Aeroplan award ticket is a very valuable perk that the TD Aeroplan card offers, especially if you book a complex trip like an Aeroplan Mini-RTW.

This perk alone means that the TD Aeroplan Visa Infinite is an excellent card to keep around after you obtain its signup bonus, because the insurance coverage will come in very handy if you travel frequently on Aeroplan awards.

Apply Now

As a Visa Infinite product, this credit card has a minimum annual income requirement of $60,000 (personal) or $100,000 (household).

Follow the link below to the TD website to learn more about this card and submit an application.

23 Comments
  1. Avatar
    Lisa

    If I currently have a Scotia Visa passport Infinite card where I received the promo at that time, would I still be able to get the promo points here? I recall seeing that we might not be eligible because it’s in the same card family (even though from different bank) thanks.

  2. Avatar
    Gregor

    A little update on TD policy. I switched to TD Aeroplan VI from TD travel Platinum in Oct 2020, got first transaction bonus after 3 months, and been waiting for the spending bonus. Called twice, first talked with agent- “wait till next statement”. After a month, agent, then manager, informed me that I am not eligible, because I previously have had the card, and I have also received bonus on my TD platinum travel card before I have switched it to current Aeroplan VI. Also I won’t be eligible for future welcome bonus because I already had it in the past and this is for new customers otherwise, quote “everyone could be switching back and forth and get the bonus…”:/ Seems like TD will be much harder to churn now:) Anyone else experienced that?

    1. Avatar
      Steve

      I can confirm this also, called an told the same. You will get 10,000 points on meeting the minimum spend but that’s it.

  3. Avatar
    Judith

    If I charged the whole reward ticket using my Aeroplan points would I still be getting the travel insurances & benefits (since I didn’t use/charge any amount with my TD Aeroplan Visa Infinite Card)?

    1. Ricky
      Ricky

      Yes, bookings made entirely with Aeroplan points (but not any other loyalty program) are also covered by this card’s insurance policy.

  4. Avatar
    Richard

    application declined. 789 transunion score

    1. Avatar
      Richard

      think I might have a better chance with the Aeroplan Visa Platinum? or a CIBC Aeroplan one?

      1. Avatar
        Dylan

        I had the exact same issue. Did you end up reapplying for this card Richard?

      2. Josh
        Josh

        Probably a glitch. You’ll have a better chance calling or going to a branch.

  5. Avatar
    Dan

    Thanks for the review Ricky! And for the buddy pass conversion tip! You’ve materially impacted my plans for 2022.
    I know it’s impossible to tell for sure but traditionally are the best sign-up offers made in Q4 and Q1? I’m debating whether I should wait to apply for this card now or after May 2021 (to see if a better offer comes up)

    1. Josh
      Josh

      Off the top of my head, TD’s best offers are usually announced in March and September, but it’s always variable. It’s better to develop a sense of historic offers, so you know how each one stacks up and whether you think it’s worth applying. It’s also tough to predict if the new Aeroplan program will impact these patterns.

      That said, if you plan on converting the Buddy Pass into points, the current offers are unprecedentedly high!

  6. Avatar
    Peter

    I want to know if I have to wait 12 months after opening or closing the account to reapply for the card again and be eligible for the sign up bonus.

  7. Avatar
    Peter

    I opened an TD aeroplan visa infinite Jan 2020 and closed it before the one year anniversary renewal date on Jan 2021 of this year. I also want to to know if I am eligible for the signup bonus if I reapply again. Do I wait 12 months after opening or closing the account?

  8. Avatar
    Grantie

    Is the minimum spending just $1000 during the first three months OR do I need to spend $1000 minimum each
    month for the each of the first 4 months. The CIBC site states”Then, get 10,000 bonus points when you spend $1,000 or more during the first 4 monthly statement periods.”

    1. Ricky
      Ricky

      Just $1,000 during the first three months (for the TD card). CIBC’s wording is slightly vague, although it’s still just $1,000 during the first four months, not $1,000 every month.

  9. Avatar
    Michel

    I was wondering if the 100 $ Nexus credit is offered after using either one of both USA and Canada border agencies or only with the Canadian agency.

  10. Avatar
    David

    how do I know I have “Preferred pricing” when I am redeeming Aeroplan reward point when booking a trip?

    1. Ricky
      Ricky

      Compare the pricing you see against the pricing that’s displayed when you aren’t logged in. If it’s lower, then you have preferred pricing.

  11. Avatar
    Jo

    I just received the new TD Aeroplan Platinum Visa by product switching from the no fee Green card. Can I still apply for the TD Aeroplan Visa Infinite when there’s a better offer if it has been over a year since I last applied for it and 9 months + since I product switched it to the Green no fee card?

  12. Avatar
    Yoon

    In the terms and conditions ” If you have opened an Account in the last 12 months, you will not be eligible for this offer. ”
    Think it is new (It has been 6 months, as far as I remember) and does not specify the ‘account’.
    My last Aeroplan Infinite Visa has been openend Aug 2019 and closed in Dec 2019 so it has been opened longer than a year ago.
    However, I had a TD Travel Reward Ininite Visa (Jun 2020-Sep 2020) lately.
    Do you think I am eligible for this welcome offer?

    1. Ricky
      Ricky

      Yes, it’s new – it used to be 6 months.

      I think you’re eligible as it’s been more than 12 months since you opened the card. The TD Travel Rewards card shouldn’t factor into it.

  13. Avatar
    Jeff

    how long do I need to wait before re-applying for this credit card to get the bonus? I’ve had my existing card for 1+ year and cancelled it today.

    1. Avatar
      Steve

      I believe 6 months

Ricky

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