The TD^® Aeroplan^® Visa Infinite Privilege^* Card is one of the best co-branded Aeroplan credit cards that the bank has to offer. If you meet the minimum income requirement, you'll enjoy a suite of Air Canada^® benefits and a very lucrative welcome bonus.

Bonuses & Fees

As TD's top-tier Aeroplan co-branded credit card, the TD^® Aeroplan^® Visa Infinite Privilege^* Card currently offers a total of up to 80,000 Aeroplan points^†:

• 20,000 Aeroplan points upon making your first purchase on the card^†
• 30,000 Aeroplan points upon spending $12,000 in the first 180 days^†
• 30,000 Aeroplan points as a one-time anniversary bonus upon spending $24,000 within 12 months of account opening^†

As a Visa Infinite Privilege^* product, this card also commands a premium annual fee of $599.

Note that one of the features of TD's All-Inclusive Banking Plan is that it reduces the annual fee for select credit cards by $120; however, the TD^® Aeroplan^® Visa Infinite Privilege^* Card is excluded from the list of eligible products.

The cost to add a supplementary cardholder on this card is $199 per year†.

To be eligible for this offer, you must apply and be approved for the card by January 6, 2025.

Earning Rewards

In terms of the returns on everyday spending, the earning rates on the  TD^® Aeroplan^® Visa Infinite Privilege^* Card are as follows:

• 2 Aeroplan points^† per dollar spent on eligible Air Canada^® purchases, including Air Canada Vacations^®†
• 1.5 Aeroplan points^† per dollar spent on eligible groceries, gas, dining, food delivery, and travel^†
• 1.25 Aeroplan points^† per dollar spent on everything else^†

Regarding premium Aeroplan co-branded credit cards, the earning rates are on par with the CIBC Aeroplan Visa Infinite Privilege Card, and slightly lower than the American Express Aeroplan Reserve Card in some categories. However, with a generally higher welcome bonus than CIBC's offering and more acceptance than American Express, the TD^® Aeroplan^® Visa Infinite Privilege^* Card is one of the most versatile cards in the market.

Redeeming Rewards

Aeroplan remains the program of choice for the vast majority of Canadians aiming to redeem their points for high-value international business class and First Class redemptions. Redeeming Aeroplan points follows the Aeroplan Flight Reward Chart, and can cost as little as 55,000 points one-way from Vancouver to Tokyo in business class, for example. From the East Coast, 60,000 Aeroplan points (or often fewer, thanks to Air Canada’s^® preferred pricing benefit if you hold Aeroplan Elite Status or a co-branded credit card) would unlock a transatlantic flight to most parts of Western Europe. Closer to home, short-haul flights within North America that are under 500 miles only cost as few as 6,000 Aeroplan points one-way.

Perks & Benefits

As TD's premium Aeroplan travel credit card, the TD^® Aeroplan^® Visa Infinite Privilege^* Card provides a host of Air Canada^® travel benefits:

• Priority boarding, priority check-in, and a free first checked bag on all Air Canada^® flights, for the primary and supplementary cardholders^†
• Complimentary visits to Air Canada^® Maple Leaf Lounges within North America, 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 $5,000 you spend on the card^†
• The ability to rollover up to 200,000 SQMs and 50 eUpgrades per year^†
• The ability to earn an Annual Worldwide Companion Pass after spending $25,000 on the card per year^†
• Your Aeroplan points won't expire for as long as you're a cardholder^†

In addition to the Air Canada^® benefits, the card also offers a strong set of benefits through its Visa Infinite Privilege^* designation:

• A complimentary DragonPass membership with six annual complimentary visits per year, for the primary and supplementary cardholders^†
• Priority benefits (valet parking, fast track security, etc.) at select airports in Canada: Vancouver, Montreal, Ottawa, and Toronto Billy Bishop^†

Finally, the TD^® Aeroplan^® Visa Infinite Privilege^* Card also offers a $100 (CAD) NEXUS credit, which is always useful for getting a NEXUS card to make your journey across the US border much smoother.^† (It's worth noting that this card's earning rate and benefits packages are virtually identical to its CIBC-issued counterpart, the CIBC Aeroplan Visa Infinite Privilege.)

Insurance Coverage

As a high-end product, the TD^® Aeroplan^® Visa Infinite Privilege^* Card excels in the insurance department. Some examples of its strong coverage include:

• Travel medical insurance: Up to $5 million of coverage for the first 31 days of your out-of-province trip (4 days if you or your spouse is aged 65 or older).^†
• Delayed and lost baggage insurance: For delayed baggage, up to $1,000 of coverage per insured person if delayed more than 4 hours. For lost baggage, up to $2,500 of coverage per insured person.^†
• Flight delay insurance: Up to $1,000 in coverage if your flight/trip is delayed more than 4 hours.^†
• Trip cancellation / trip interruption insurance: For Trip Cancellation, up to $2,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.^†
• Auto rental collision/loss damage insurance: Comprehensive coverage for up to 48 consecutive days for cars with an MSRP of up to $85,000, which can help you save on the insurance fees that the car rental company would otherwise charge.^†

It's important to note that these benefits would also apply on Aeroplan reward tickets, as long as you charge the taxes and fees of your booking to your TD^® Aeroplan^® Visa Infinite Privilege^* Card. Additionally, the card also offers Purchase Security and Extended Warranty Protection, covering most eligible items you’ve purchased with your card should they be stolen or damaged within 120 days of purchase, as well as two additional years on top of the manufacturer's warranty.