The TD Aeroplan Visa Infinite Privilege Card is one of the best co-branded cards for Air Canada’s Aeroplan program. It offers a very lucrative welcome bonus and a high base earning rate, but its strongest feature is the top-tier travel treatment you’ll get as an Aeroplan cardholder.
Bonuses & Fees
As TD’s top-tier Aeroplan co-branded credit card, the TD Aeroplan Visa Infinite Privilege currently offers a total of 105,000 Aeroplan points:
- 20,000 Aeroplan points upon making your first purchase on the card
- 30,000 Aeroplan points upon spending $3,000 in the first 90 days
- 55,000 Aeroplan points upon spending $12,000 in the first year
105,000 Aeroplan points is the highest offer we’ve ever seen on this card, making it a great time to apply for the card now.
As a Visa Infinite Privilege product, this card also commands a relatively high annual fee of $599. Although TD runs a promotion with its All-Inclusive Banking Plan that reduces the annual fee of select credit cards by $120, the TD Aeroplan Visa Infinite Privilege is excluded from the list of eligible cards.
The cost to add a supplementary cardholder on this product is $199 per year.
In terms of the returns on everyday spending, the TD Aeroplan Visa Infinite Privilege offers cardholders:
- 2 Aeroplan points per dollar spent on Air Canada and Air Canada Vacations
- 1.5 Aeroplan points per dollar spent on groceries, gas, dining, food delivery, and travel
- 1.25 Aeroplan points per dollar spent on everything else
For a premium credit card, the earning rates are quite ordinary. After all, the mid-range TD Aeroplan Visa Infinite already offers 1.5x Aeroplan points on the same categories – it’s only the 1.25x earning rate on general purchases that’s higher on the TD Aeroplan Visa Infinite Privilege.
I wouldn’t go out of my way to get this card for a $599 annual fee solely for its earning rates, but if you do have the card, then the 1.25x return on all purchases is pretty competitive in the “everything else” category.
Aeroplan remains the program of choice for the vast majority of Canadians aiming to redeem their points for high-value international business 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.
From the East Coast, 60,000 Aeroplan points (or often fewer, thanks to Air Canada’s preferred pricing if you hold Elite Status or a 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 6,000 Aeroplan points one-way.
Perks & Benefits
As Air Canada’s premium travel credit card, the TD Aeroplan Visa Infinite Privilege leans in heavily on the 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 also offers a $100 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.)
As a high-end product, the TD Aeroplan Visa Infinite Privilege excels in the insurance department. Some examples of its strong coverage include:
- Emergency 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.
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.