TD Aeroplan Visa Infinite: In-Path Offer for 45,000 Points + $150 Statement Credit

There are now two alternative offers for the TD Aeroplan Visa Infinite Card available until January 3, 2023.

As part of these “in-path offers” via the Air Canada website, you’ll earn 40,000 or 45,000 Aeroplan points plus a $150 statement credit on Air Canada or Air Canada Vacations purchases. 

The in-path offers have fewer points than the best available public offer, but in some cases, you may stand to benefit from the $150 statement credit and a lower spending requirement to get the full welcome bonus.

New In-Path Offer: 45,000 Aeroplan Points + $150 Air Canada Statement Credit

TD Aeroplan Visa Infinite Card
Welcome Bonus
Up to 55,000 Aeroplan points
Annual Fee
First Year Free
First-Year Value

This new alternative offer for the TD Aeroplan Visa Infinite Card 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. You may also see this offer being advertised in-flight.

Otherwise, you can also click here to access the direct link to the application.

Clicking on the “Apply now” button, you’ll then be taken to TD’s secure page to complete the application:

The offer on the Air Canada website and the terms and conditions show a deadline of May 28, 2023, but the TD website shows January 3, 2023. In order to guarantee that you’ll be eligible for the offer, make sure to apply by January 3.

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

There are two key differences between the in-path offer and the main public offer:

  • Instead of an extra 20,000 Aeroplan points upon spending $1,500 in the first 90 days and another 20,000 Aeroplan points after spending at least $7,500 in the first year, you’ll get an extra 35,000 Aeroplan points after spending $1,000 in the first 90 days instead. 
  • Instead of a first-year annual fee waiver for the primary cardholder and up to three additional cardholders, you’ll get the $150 Air Canada statement credit upon instead.

Lower In-Path Offer: 40,000 Aeroplan Points + $150 Air Canada Statement Credit

There’s also a different in-path offer for 40,000 points and a $150 Air Canada statement credit.

Again, you are most likely to encounter this offer on the Air Canada website during the booking flow. 

The structure of this offer is exactly the same as the one for 45,000 Aeroplan points and a $150 Air Canada statement credit, except that you’ll get a total welcome bonus of 40,000 points instead of 45,000 points.

  • Earn 10,000 Aeroplan points when you make your first purchase
  • Earn an additional 30,000 Aeroplan points when you spend $1,000 in the first 90 days

Again, there are two key differences between the in-path offer and the public offer:

  • Instead of an extra 20,000 Aeroplan points upon spending $1,500 in the first 90 days and another 20,000 Aeroplan points after spending at least $7,500 in the first year, you’ll get an extra 30,000 Aeroplan points after spending $1,000 in the first 90 days instead. 
  • Instead of a first-year annual fee waiver for the primary cardholder and up to three additional cardholders, you’ll get the $150 Air Canada statement credit upon instead.

Note that this second in-path offer is strictly worse off than the first in-path offer detailed above, as you’ll only earn 30,000 rather than 35,000 points upon spending $1,000 in the first 90 days.

Is This Better Than 50,000 Points + First Year Free?

The public offer for the TD Aeroplan Visa Infinite Card is 10,000 Aeroplan points upon first purchase, 20,000 Aeroplan points after spending $1,000 in the first three months, and another 20,000 Aeroplan points after spending $7,500 in the first year. In addition, the first-year annual fee is waived as part of the main offer.

Compared to 45,000 Aeroplan points and a $150 Air Canada statement credit, which offer is better?

The $150 statement credit applies to Air Canada and Air Canada Vacations purchases. However, note that taxes and fees on Aeroplan redemptions also code as Air Canada purchases, so this statement credit could be equally useful to someone who primarily books on points, not on cash. 

The in-path offer may be more attractive to long-haul international travellers.

We value 5,000 Aeroplan points at around $105 (CAD) based on our points valuations. On paper, this might suggest that the in-path offer of a $150 statement credit is more valuable, but that is offset by the requirement to pay the $139 annual fee.

If you don’t tend to be a high spender, the in-path offers give you a lower threshold to earn the full welcome bonus. There’s something to be said for earning the full 45,000 points after spending only $1,000 in the first three months.

With the above in mind, everyone will have to decide for themselves which bundle of welcome bonuses is more attractive: 50,000 points and no annual fee via the standard offer, or 45,000 points and a $150 statement credit (which can be used to offset Aeroplan taxes and fees) via the in-path offer.


TD and Aeroplan continue to mix things up with in-path credit card offers for 40,000 or 45,000 Aeroplan points + $150 Air Canada statement credit on the TD Aeroplan Visa Infinite Card.

Be sure to apply by January 3, 2023 if you’re interested in these alternate offers, which is the same end date as the main public offer for 50,000 Aeroplan points and First Year Free.

Think about whether the extra Aeroplan points or the $150 statement credit is more suitable to your travel style when you’re deciding between pursuing the standard public offer or the in-path offer.

This is a recurring article, regularly updated with the latest round of offers. Some comments may refer to past offers that are no longer available.

  1. Tami YYZ

    I applied for and received the in-path offer. If I spend $7500 in the first 12 months, do I get the additional 20,000 points? It seems above that this is only the case for the public offer. Thanks.

  2. JP

    When is the first year annual fee charged for this card? At first statement, or after first year?

    1. Rachel YYZ

      The first statement.

  3. OC

    Just want to say thanks! Got approved for myself nd better half as well.

  4. Rachel

    Yesterday I applied from Quebec and it looks like there’s 2 ongoing in path promotion because I was offered 70,000 points + a total of 300$ (10K for 1st purchase + 30K after spending 1K$ + 30K after 90 days + 150$ after an AC flight purchase + 150$ after 90 days)

  5. Ron

    For folks in Quebec:
    – no need to spend $1000, just keep card active
    – no need to spend $150 on Air Canada purchases, any $150 spend will do

    That’s how I read the fine print.

  6. Dimi

    I called and apparently you only get the $150 statement credit if you actually booked the flight.

    1. Ricky YVR

      Yes, it’s a statement credit on Air Canada purchases.

      1. Shawn YEG

        Please clarify: is the $150 statement credit only applicable during the booking flow and completing the booking (I.e. not a dummy booking)? Or can you just do a dummy booking, pause it to do the online application , then come back to the dummy booking and abandon the booking (with the expectation that you would do a real booking on another day and expect the $150 statement credit only then?

        1. Ricky YVR

          The latter. The $150 statement credit is on any Air Canada purchase following your approval for the card.

        2. Chun

          I just tested and read the terms and agreement. I was doing a legit search -> Ottawa to Vegas and applied, I am preapproved as a TD Customer. TD’s said I have to wait 7-10 days first. Thus from my experience if you are planning to search and book with the card after getting approved it doesn’t look possible.

          So I will wait the 7-10 days to get the card and book my trip. The 150 A/C credit is any A/C purchase within the next 12 months. I also confirmed that I am also an all-inclusive account holder with TD so the cards annual fee is waived for me anyways + 40K points 🙂

          1. Ling

            Do you know if the TD All inclusive waives more than one credit card annual fee?

            1. Chun

              Unfortunately not the account provides one waiver.

              Here are their terms:

              Subject to credit approval. Annual Fee rebate applies only for the Primary Cardholder of one of the following new (to you) TD Credit Cards – TD® Aeroplan®Visa Infinite* Card, TD® Aeroplan® Visa Platinum* Card, TD First Class Travel Visa Infinite* Card, TD Platinum Travel Visa* Card or TD Cash Back Visa Infinite* Card, and for one Authorized User Card for the same TD Credit Card Account for as long as the All-Inclusive account remains open and in good standing. All other fees and charges applicable to the selected and approved TD Credit Card Account continue to apply.

  7. Ed

    Could the $150 credit be used for food and beverage on board an air canada flight or could it be used to cover the taxes and fees from using a buddy pass?

  8. Gary

    Does it make sense to get both the in-path TD Aeroplan Infinite for the points and the CIBC Aeroplan Core for the buddy pass?

    1. Ricky YVR

      For sure!

  9. Chris

    Thanks, just got approved for the 40000 points offer. Just making sure you think its FYF still?

    Appreciate your hard work

    1. Ricky YVR

      Chris – this was initially my understanding but I was incorrect on this one. The $150 statement credit effectively replaces the First Year Free, and isn’t layered on top of a First Year Free offer. You’re still strictly better off with this in-path offer if you don’t value the Buddy Pass though.

  10. Felix

    The latest offering (Dec 13, 2021) does not explicitly state that the first year is free. Can anyone confirm that the offering for 40K points and $150 statement credit includes first year free?

    1. Matt

      It would appear the $150 statement credit has replaced the annual fee waiver.

      1. Ricky YVR

        This is correct.

  11. Trevor K Russell

    How do we love thee? Let us count the ways!

    Just re-applied to take advantage of this in-path offer, and the bonus 20% point credit after travel is the icing on the cake.

    Thank you Prince of Travel!

  12. Matthew

    Applied today and was rejected for the first time ever. I have excellent credit, very good income, etc etc. The only thing that has changed for me is that we sold our house, moved to Montreal and are currently renting. I wonder if that might have thrown it off for me. I did call in and the two TD reps I talked to were not particularly helpful and couldn’t find my application. One rep did say that they’d been getting numerous calls regarding this particular offer and people being rejected.

  13. Sean B

    Does having a CIBC Aeroplan Visa Infinite card change this offer?

    1. Ricky YVR


  14. Thom

    I was approved for this card back in September 2020 and cancelled the card in May 2021. I applied a few weeks ago and was approved online and am now waiting for my card. The T&C says you can’t have held this card in the last six months to be eligible for the bonus. Should I call TD to confirm eligibility for the bonus before activating this card? I don’t want to get dinged for the annual fee and get zero points for a card I don’t need.

  15. Bileth

    Attempted the online application and was given an unexpected error message at the end. Spent about 45m on hold with TD and was hung up on after being told “sure I’ll be able to help you.” Spent another 1h on hold and had a fantastic rep who didn’t have access to the promotion (tried on her TD computer but nothing came up; tried on her personal computer and got the AMEX offer). She said I had 8 profiles (not sure how…I’ve only ever had 2 products with TD) on the TD system and that’s likely why it wasn’t going through. Processed an app for the 10k+15k/FYF offer but put a note on my account that provided manager approval for me to call in for the extra 20k points once I hit the $1k MSR.

    I’ve booked an appt with my nearby branch to merge the accounts (need to show ID in-person) for next Friday. Hoping everything goes smoothly.

  16. YL

    I keep getting offered the AMEX Aeroplan Card instead.. I’ve tried incognito mode and different browsers. I can’t get the TD one to show up 🙁

    1. Az

      Same here. Anyone know if there’s a particular way to pull it up?

      1. William YVR

        Hi YL and Az — For some reason, the chances of seeing the TD offer are higher if you select cheap flight tickets (something up to $450).
        When you select tickets above $600, you’ll see the AMEX offer instead.

  17. Will Danicek

    Did the application while waiting for an appointment, instant approval . Now I have 3 aeroplan cards. thx for the post Ricky

  18. Kenny

    Do you actually need to go through with the AC flight booking to qualify for the in path offer?

    1. Ricky YVR

      Nope, no obligation to actually book the flight, it’s just a way to pull up the offer.

  19. Alina

    I am getting denied and suspect it could be due to being unable to provide complete information online. Specifically, for address confirmation, it asks how long I have lived at my address (just a bit over a year), and then does not ask for any previous address. When I called in, the rep claims they have no way of seeing exactly why the application was denied, but claims incomplete information is a common reason for online applications. He said it needs to have 3 years of address history, yet I have no way of entering that on the online form. He offered to apply over the phone, but like others mentioned, the 45K points offer is not available that way. No way of amending the online application so that it can be reconsidered either. Very poor experience. I tried resubmitting my app stating that I lived at my address for over 3 years, but get denied again, which is not surprising, since it won’t match the info on my credit report. Too bad, so sad, it would have been an easy batch of 90K points for me and P2.

    1. Shaun

      Same thing here. Myself and wife were denied. We got a different reason every time we talked to them. Finally they said need 3 years. I figured they were making that up also. Built our new house 2 and a half years ago. If the application needs more than 3 years, why not ask for additional previous addresses like every other bank. So even if you are Jeff Bezos or a multi millionaire, you will be denied if you changed your residence in the past 3 years. Only bank that I have had issues with unfortunately.

  20. Alex

    Has anyone actually gotten the 10k + 35k points from this offer?

    1. Cherry

      Yes 3 family members received the 45k pts on the previous offer

  21. Lawrence Yu

    I called 18009838472 and mentioned the air canada offer. They have the promo on file, so they can help you apply over the phone.

  22. Jon

    Something particularily smells over there at TD. I just got refused for a small $10k Visa Infinite after an online application. I applied last year, same thing. My credit score on both Equifax and Transunion is Excellent, pay off CC every month, nothing in delinquincy, yet same result. Credit utilization is a bit high slightly above 30%, but due to mortage. Pay is above required amounts, yet still get refused!!! What to do? They had no issue with Car loans which get paid off before term, but I guess I an extreme credit risk somehow?? Out of ideas!

  23. Don

    I applied two days ago for the TD card with the 45,000 points promo ( application deadline of July 21). I got the message saying there was a system error, so I the spoke to a rep and she could not find anything in her system about this promo….saying all she could find was the offer that included the Buddy Pass. I spent a lot of time with this repand she told me she was emailing her supervisor and trying to get info about the 45,000 promo. After a very long conversation with the rep, I told her that I would try again in a couple of days…hoping the error will be fixed. I tried gain today and still got the system error message. Any ideas of how I can move ahead with the application?

  24. Chris

    Is the 12 month to qualify to new WB based on the last day of cancelling/PS from the original card or from when the WB was posted on the original card. PS from VI back in Sep.20 (WB posted back in 2018). It’s been 8 months so wondering if can get the new WB now?

  25. Justin

    Talked with a rep today after i was declined (was declined due to me missing a phone call from the credit analyst to confirm former address/employer). Told me that he can see the code on the online app but there system will not allow him to input it for the phone applications. So it looks like you need that first app to go through or youll be stuck with the normal offer 20K + BP. He did put a number of notes about the offer in my application so maybe ill get it but not holding my breath.

  26. DenB® YTO

    Has anyone actually submitted an application under this promo and had the application processed by TD? After the application script failed to submit and failed to do a hard pull, I got 100% pushback from TD, claiming it’s not a valid promo.

    1. Daniel

      I just got Approved

    2. Brenda yun

      I got approved.

    3. Dennis

      I just got approved with the limited offer of up to 45,000 Aeroplan points, plus first year no annual fee.

      1. Robert

        Do you have a CIBC AP VI? I’m just wondering if they will approve someone who has any type of AP VI on their account. I want to try this, but I don’t want to get screwed with only getting 20k AP and no buddy pass.

        1. Dennis

          Robert, I used the link above to get the 45K AP points vice the standard promotion which includes the Buddy Pass. For some reason, it was the last “promotion” link in this blog post that took me to the bonus. Yes, I do have the CIBC AP VI and recently received the CIBC AP Bus VI.
          My confirmation from TD states, 10k pts after the first purchase then 35k after the min spend of $1k.
          I also followed the advice of many here to clear your browser and use incognito window.

          1. Daniel Anggara

            For what it’s worth: I am an existing CIBC Aeroplan Visa Infinite cardholder, and I applied for the TD equivalent Visa using the link and got approved for the card plus I was given first year fee waiver and up to 45,000 Aeroplan miles sign up bonus.

  27. Robert Gilbert

    Hey Josh: Got my TD a few months ago, got my first 10K, then another 10K after I hit $1000+ in spending. But I have been waiting for my BP for almost 2 months after I spent over $4000. Do you have an idea what the issue could be? Many thanks!

    1. Josh YVR

      I haven’t heard of anyone who got their TD Buddy Pass sooner than 3 months after meeting the spend requirement. Hang tight, it’ll come.

      1. Robert Gilbert

        Thanks Josh!

  28. Brandon

    The first time I tried the promotional link above, it still came up with the standard 10k + 10k + BP offer. I closed the window and tried again, and it then showed the 10k + 35k offer. Went through the application process, and at one of the review stages checked the offer terms, and the fine print still showed the 10k + 10K + BP, did not reference the 45k promotional offer WB. Hopefully it was just a glitch in the terms they referenced, already claimed a BP as part of the CIBC AP VI, so don’t qualify for another one this year…..

  29. Bileth

    Always get rejected by TD. They seem to have it out for me ever since they forgot to close an account and it destroyed my credit score.

    1. bob

      Wow. Small world except I did close my account and $1 late interest charge was added. As I was younger and foolish I decided not to pay it out of “principle” (pun intended), for a very long time. Evil TD also destroyed my credit score but a nice former Canada Trust lady help me rebuild it with a prepaid card… after this 1 attempt for TD card, won’t try again. They have at least 2 defects on their online application, of the them being creating secondary profiles from the application that does not match your older profile when you were a client, then auto-declining you for not being able to identify you.

  30. Luke

    Out of curiosity. If you’ve had the CIBC/TD AP cards from back in spring/summer of 2020 (June for example). Would applying for them now (say at 11 months) exclude you from the points/Buddy pass 12 month window restriction?

  31. Paulk YYZ

    I’ve converted two buddy passes so far; the first one (TD Infinite Priv) took about two weeks, AC deleted the buddy pass first and then, a few days later, credited the points. The second buddy (CIBC Infinite) was converted in a few days with an almost simultaneous deleting/points crediting.

    And Josh, you are correct – the TD buddy took three months to arrive after meeting the minimum spend; the CIBC 2 days.

  32. Richard Strang

    Just tried to apply with the link, and got this message at the end of the application process: Unfortunately, we cannot complete your application online. Please call us at 1-800-983-2582 or book an appointment at your nearest branch and we will help you complete it.

    Since you can’t apply over the phone or in the branch, as indicated in the article, it could be that you can’t use the generic link if your Aeroplan number or some other piece of information doesn’t match the targeted list. This is just speculation

    1. Josh YVR

      I’ve been a TD client my entire life and I always get that message… I think it’s just a glitch with the online application. It also looks like a TD issue, whereas if there’s a restriction on who’s eligible, that would be on the Aeroplan side.

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