85,000 Aeroplan points
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
$871
First-year value
85,000
Aeroplan points
$599
Annual fee
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Aeroplan points at 2.1 cents per point.
20,000 Aeroplan points on first purchase
35,000 Aeroplan points upon spending $12,000 in the first six months
30,000 Aeroplan points anniversary bonus upon spending $24,000 in the first year
Total of up to 85,000 Aeroplan points
Air Canada
Groceries, Gas, Dining & Transit
Everything Else
Last updated: March 2, 2026
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.
| Tier | Amount | Requirement |
|---|---|---|
| On first purchase | 20,000 Aeroplan points | First purchase |
| Spend threshold |
Welcome bonus history is for Members
See how this card’s welcome offers have evolved over time.
†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
85,000 Aeroplan points
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Last updated: March 2, 2026
| 35,000 Aeroplan points |
| $12,000 spend in 6 months |
| Anniversary bonus | 30,000 Aeroplan points | $24,000 spend in 12 months |
| Total | 85,000 Aeroplan points |
Annual Fee
$599
First Year Free
No
Additional Card
$199/year
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.
| Category | Rate |
|---|---|
| Air Canada | 2× |
| Groceries | 1.5× |
| Gas | 1.5× |
| Dining | 1.5× |
| Transit | 1.5× |
| Everything Else | 1.25× |
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.
Read Our Full Aeroplan Guide
Read moreUnlimited Maple Leaf Lounge access + 1 guest
General6 Visa Airport Companion lounge visits per year
GeneralPriority check-in, boarding, and baggage handling for cardholder + up to 8 companions
GeneralPriority security at Toronto Billy Bishop, Montreal, Ottawa
GeneralFree first checked bag for cardholder + up to 8 companions
General1,000 SQC per $5,000 spend toward Aeroplan Elite Status (up to 25,000 SQC/year)
General10% Head Start toward Aeroplan Elite Status (starting 2027)
GeneraleUpgrade credits extended to 24-month validity
GeneralCompanion Pass ($99–$599) after $25,000 annual spend
General$100 NEXUS rebate every 48 months
General4th night free on Aeroplan hotel redemptions
GeneralVisa RSVP Diamond at 60+ Sandman/Sutton hotels
GeneralTroon Rewards Platinum (20% off at 150+ golf courses)
GeneralAvis President's Club (2 car-class upgrades)
GeneralMaple 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.
Underwritten by TD Life Insurance Company and TD Home and Auto Insurance Company
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $5,000,000 | 31 days, 4 days (65+), Primary Cardholder, Spouse, Dependent Children, and Additional Cardholders who are residents of Canada and covered under a provincial health plan |
| Trip Cancellation | $2,500 | $5,000/trip, charge required, Aeroplan Points can be used to pay for at least 75% of trip cost |
| Trip Interruption | $5,000/person | $25,000/trip, charge required |
| Trip Delay | $1,000 | 4-hour minimum, Reasonable expenses for meals and accommodation if flight/trip delayed for 4+ hours due to inclement weather, equipment failure, or unforeseen strike |
| Baggage Delay | $1,000 | 4-hour minimum |
| Baggage Loss | $2,500/person | – |
| Rental Car | Included | Primary CDW, up to 48 days |
| Travel Accident | $500,000 | – |
| Mobile Device | Included | – |
Pre-Existing Conditions
90-day stability period required (180 days for 65+)
View Certificate of Insurance (PDF)
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.
45,000 Aeroplan points
