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TD Aeroplan Visa Infinite Privilege

Last updated on: January 5, 2021
  • 50,000 Aeroplan points + Buddy Pass
  • $599 Annual fee
Best offer is available publicly until January 17, 2021
Signup bonus:
20,000 Aeroplan points upon first purchase
30,000 Aeroplan points upon meeting minimum spending
Total of 50,000 Aeroplan points
Air Canada Buddy Pass upon meeting minimum spending
Minimum spending:
$1,000 in the first three months
Annual fee:
$599 for the primary cardholder
$199 for additional cardholders
Earning rate:
2 Aeroplan points per dollar spent on Air Canada and Air Canada Vacations
1.5 Aeroplan points per dollar spent on grocery, gas, groceries, dining, food delivery, and travel
1.25 Aeroplan points per dollar spent on all other purchases
Perks & benefits:
Priority check-in, boarding, and free first checked bag on Air Canada flights
Maple Leaf Lounge access within North America
Six annual complimentary visits to Priority Pass lounges
Priority airport services at YVR, YUL, YOW, YTZ
Preferred pricing on Air Canada flights
$100 NEXUS credit
Insurance:
Very strong

Bonuses & Fees

As TD’s top-tier Aeroplan co-branded credit card, the TD Aeroplan Visa Infinite Privilege currently offers a total of 50,000 Aeroplan points and an Air Canada Buddy Pass:

  • 20,000 Aeroplan points upon making your first purchase on the card
  • 30,000 Aeroplan points and the Air Canada Buddy Pass upon spending $1,000 in the first three months

50,000 Aeroplan points is one of the highest offers we’ve ever seen on this card, making it a decent time to apply for the card now.

In addition, some travellers might highly value the Air Canada Buddy Pass, while other travellers might not. The Air Canada Buddy Pass is essentially a buy-one-get-one voucher for paid Air Canada economy class flights within North America.

If you’d be able to unlock value from the Buddy Pass because you’ve planned some upcoming travel as a couple or a family, then that sweetens the deal on this card even further.

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.

Earning Rewards

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.

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 50,000 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 Priority Pass 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 Aerogold Visa Infinite Privilege.)

Insurance Coverage

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.

Apply Now

If you’ve already opened a TD Aeroplan Visa Infinite Privilege account within the past 12 months, you won't be eligible for the welcome offer.

You can follow the below link to learn more about the card and apply.

10 Comments
  1. Avatar
    Mark

    Is it a metal card like the the CIBC and Amex?

    1. Ricky
      Ricky

      Yes!

  2. Avatar
    Anthony K

    How does it compare to the Amex Platinum/Bus Platinum?

  3. Avatar
    Salem

    Hi Ricky
    the TD privilege card has 7 – I assume the already known – exclusive travel benefits and an additional 8th perk at 200 properties. is there any information on what this perk would be? Thanks

    1. Avatar
      Salem

      I just found this on the Visa Luxury website.
      “The 8th Benefit for Visa Infinite Privilege Cardholders
      Book & enjoy a Special Amenity included with the 200 properties when you book the Visa Infinite Privilege Rate.

      $100 Spa Credit
      $100 Hotel Credit for Services
      $100 Dining Credit (Additional $75)
      $100 Room Credit for Rate
      $100 Golf Credit”

      1. Ricky
        Ricky

        It’s a listed benefit, but typically I’ve found that the Visa Infinite Privilege hotel collection isn’t very wide, and the rates aren’t very competitive compared to Virtuoso or Amex Fine Hotels & Resorts.

  4. Avatar
    James

    Hey Ricky, just wondering which information regarding the access to Air Canada Maple Leaf Lounge is correct. Depends on which website so TD, CIBC, AMEX or Air Canada I go to, it has contradicting policies on bringing in a guest. Does all the “Privilege” or AMEX Reserve allow unlimited lounge access for the primary and authorized holder plus each can bring in a guest free? OR guest would require payment to access? Very confusing…

  5. Avatar
    Scott Wilson

    I was just notified my visa Infinite Privilege card fee is going up to 599 in November instead of the current 399 fee. Ridiculous.

  6. Avatar
    EH

    Can I get the sign up bonus if I have closed a TD Aeroplan Visa Infinite account within the past 6 months? Does TD consider the two cards the same product?

    1. Avatar
      william james

      Apparently not even if you have had the infinite card for years. You will get the difference in signup bonuses (20000(priv)-10000(infinite)= 10000. You will still get the 30000 upon spending $1000

Ricky

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