TD^® Aeroplan^® Visa Infinite Privilege^* Card

At 85,000 Aeroplan points for a $599 annual fee, you're getting roughly $1,785 in travel value based on our 2.1¢ valuation – a strong first-year return if you hit all spending tiers. The tiered structure rewards everyday spending habits making the thresholds realistic for everyday household budgets.

High earners who regularly fly Air Canada will offset the fee quickly through free checked bags, priority services, and Maple Leaf Lounge access. The annual Companion Pass at $25,000 spend adds another layer of value for those who can reach it naturally.

The travel multiplier is the star – it works everywhere, not just portal bookings. Use this for Air Canada cash fares, international hotels, and any travel merchant that doesn't take Amex.

The category bonuses cluster tightly, making this a strong daily driver if you're not chasing specialist rates. Visa acceptance fills the gap where Amex can't reach, especially outside Canada.

Pair this with an Amex Aeroplan card for category optimization, or run it solo if you value simplicity and universal acceptance over maximizing every transaction.

The distance-based award chart eliminates fuel surcharges on partner flights, so business class to Europe on Lufthansa or SWISS costs 60,000 points plus minimal taxes – no carrier-imposed fees. Turkish Airlines to Istanbul unlocks the Middle East and Africa at 70,000 points with exceptional onboard service.

Your Visa Infinite Privilege status unlocks preferred pricing on Air Canada flights, reducing dynamically priced awards by 15–25% when partner availability is scarce. Add a stopover for 5,000 points and turn a single redemption into a multi-city journey – Toronto to Lisbon to Rome on one ticket.

Maple Leaf Lounge access within North America stands out as the card's most valuable perk – it's one of the only ways to consistently access Air Canada's proprietary lounges without flying business class or holding elite status. The six annual Visa Airport Companion visits powered by DragonPass fill a strategic gap for international travel outside the Star Alliance footprint, particularly in Asia-Pacific and Europe where Maple Leaf Lounges don't exist.

Priority services at Vancouver, Montreal, Ottawa, and Billy Bishop are often overlooked but genuinely useful for domestic travellers who don't hold Aeroplan 25K or higher status. The annual Worldwide Companion Pass after $25,000 in spending is valuable if you're putting significant spend on the card, though remember it's tied to your anniversary year and uses a rebate mechanism – you'll pay taxes and fees upfront for both passengers, then receive the base miles back later.

This suite covers the full duration of your trip without artificial day caps, and the 90-day stability period for pre-existing conditions is lenient enough that most travellers with well-managed chronic health won't be excluded – though always verify your specific situation against the certificate.

Primary rental car coverage worldwide means you can decline the counter's CDW even on domestic trips, avoiding coordination headaches with your personal auto policy. Trip interruption doubles what mid-tier cards offer, providing real utility if you need to cut a trip short.

The main gap is trip cancellation: $2,500 per person won't fully protect high-value bookings like business class cash fares or luxury lodges. For those trips, consider supplemental coverage.