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The standard offer on the TD Aeroplan Visa Infinite has historically been in the range of 15,000 Aeroplan points with a $120 annual fee.
However, it’s currently 10,000 Aeroplan points upon first purchase and you’ll earn an Air Canada Buddy Pass upon spending $1,000 in the first three months.
The annual fee of $139 is waived for the first year under the current promotion; otherwise, holding TD’s All-Inclusive Banking Plan can also waive the annual fee on this card.
The signup bonus of 10,000 points is one of the lower offers we’ve seen on this card. If you’re primarily looking to earn Aeroplan points for high-value redemptions, then it might be a good idea to wait for a better offer before applying.
However, some travellers might place a higher value on the Air Canada Buddy Pass, which 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 makes this offer worth considering.
Supplementary cards can be added to your account as well. The first authorized user is free for the first year, while remaining cards will be charged at a $75 annual fee per card.
The TD Aeroplan Visa Infinite offers you 1.5 Aeroplan points per dollar spent on gas and groceries. Meanwhile, you’ll earn 1 Aeroplan point per dollar spent on all other purchases.
The earning rates on this card are good, but not great. The 1.5x category is outstripped by the American Express Gold Rewards Card, which offers 2 Amex MR points per dollar spent on the same purchases. Since Amex MR points can be transferred to Aeroplan at a 1:1 ratio, the 1.5x multiplier on the TD Aeroplan doesn’t quite stack up to that, and you’d be better off using the Gold Rewards Card instead.
However, there’s something to be said for keeping the TD Aeroplan card as a backup Visa option in your wallet, since some of the establishments where you shop might not accept American Express. In that case, earning 1.5 Aeroplan points per dollar spent on the bonus categories and 1 Aeroplan point per dollar spent on other purchases is a decent return.
The TD Aeroplan Visa Infinite prides itself upon a strong set of Air Canada travel benefits. As a cardholder, you’ll receive:
On top of that, a unique perk on this card comes in the form of a $100 NEXUS credit, which is not offered by either CIBC and American Express in this product category.
As a premium travel credit card, the TD Aeroplan Visa Infinite comes with an impressive suite of insurance benefits, including:
Emergency medical insurance of up to $1,000,000 on the first 21 days of a trip (4 days for cardholders aged 65 and up)
Trip cancellation/trip interruption: For trip cancellation, up to $1,500 per person and $5,000 total, which protects against unforeseen factors affecting your trip and for Trip Interruption, up to $5,000 per person and $25,000 total
Delayed and lost baggage insurance of up to $1,000 per person towards the purchase of essential items if your baggage is delayed by more than six hours or lost
Flight delay insurance of up to $500 if your flight is delayed by more than four hours
$500,000 Common Carrier Accident insurance, which protects you in case of a travel-related accident
Auto rental damage & loss insurance, which can help you save on the insurance fees that car rental companies would otherwise charge
One outstanding feature of the card is that the insurance applies to Aeroplan award tickets when you charge the full taxes and fees of the redemption ticket on your TD Aeroplan Visa Infinite.
There aren’t many cards out there with insurance benefits for award travel, so being able to insure your Aeroplan award ticket is a very valuable perk that the TD Aeroplan card offers, especially if you book a complex trip like an Aeroplan Mini-RTW.
This perk alone means that the TD Aeroplan Visa Infinite is an excellent card to keep around after you obtain its signup bonus, because the insurance coverage will come in very handy if you travel frequently on Aeroplan awards.
If you’ve already opened a TD Aeroplan Visa Infinite account within the past 12 months, you won't be eligible for the welcome offer.
In the interest of full disclosure, Prince of Travel receives compensation from Aeroplan if you use the below link to visit the Air Canada website and learn more about the TD Aeroplan credit cards. If you're interested in this card, we'd be grateful if you considered applying via the Apply Now button below, which helps support the website at no cost to you.
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 visit the TD site.