TD® Aeroplan® Credit Card Offers for Winter 2024

TD has just announced the Winter 2024 credit card offers for its suite of Aeroplan® co-branded credit cards.

The welcome bonuses on the TD® Aeroplan® Visa Infinite Privilege* Card and the TD® Aeroplan® Visa Infinite* Card have seen a decrease from the previous round of offers, while the offer on the TD® Aeroplan® Visa Platinum Card has been extended.

TD® Aeroplan® Visa Infinite* Card: Up to 40,000 Aeroplan Points

The TD® Aeroplan® Visa Infinite* Card has come out with a welcome bonus of up to 40,000 Aeroplan points for the Winter 2024 offer.

This is a decrease from the previous offer of up to 50,000 points in Fall 2023, and further down from the record-high offer for up to 70,000 points from Summer 2023.

As we saw with the Fall 2023 offer, the $139 annual fee is rebated for the first year this time around.

To earn the full bonus, you’ll have to meet the following conditions:

  • Earn 10,000 Aeroplan points with your first purchase
  • Earn an additional 20,000 Aeroplan points upon spending $5,000 in the first 180 days
  • Earn an anniversary bonus of 10,000 Aeroplan points when you spend $7,500 in the first year

Even with a drop from the previous offer, a bonus of up to 40,000 Aeroplan points with a first-year annual fee rebate is amongst the better offers on a mid-tier Aeroplan co-branded credit card in Canada.

The anniversary bonus on the TD® Aeroplan® Visa Infinite* Card is awarded in the second year, and you’ll need to pay the $139 annual fee in order to receive it.

However, the anniversary bonus of 10,000 points would definitely justify paying a $139 annual fee – and that’s not factoring in a potential annual fee waiver by holding a TD premium chequing account.

In fact, the TD® Aeroplan® Visa Infinite* Card is one that we recommend as an essential credit card for Canadian travellers.

As a reminder, the earning rates on the TD® Aeroplan® Visa Infinite* Card are as follows:

  • Earn 1.5 Aeroplan points per dollar spent on eligible gas, grocery, and direct Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1 Aeroplan points per dollar spent on all other eligible purchases

And these are a few key benefits for cardholders:

  • Preferred pricing for Aeroplan award tickets on Air Canada® flights
  • Free checked bag for you and your party on Air Canada® flights
  • NEXUS rebate once every four years

The TD® Aeroplan® Visa Infinite* Card requires either $60,000 in annual personal income, or $100,000 in annual household income, to qualify.

To be eligible for this offer, you must apply and be approved for the card by March 4, 2024.

TD® Aeroplan® Visa Infinite Privilege* Card: Up to 75,000 Aeroplan Points

The TD® Aeroplan® Visa Infinite Privilege* Card is currently offering a welcome bonus of up to 75,000 Aeroplan points.

This is a drop from the all-time high of up to 115,000 Aeroplan points, which we saw in the Summer 2023 round of offers, and also down from the Fall 2023 offer for up to 100,000 points.

To earn the full welcome bonus, you’ll have to meet the following conditions:

  • Earn 20,000 Aeroplan points with your first purchase
  • Earn an additional 30,000 Aeroplan points when you spend $10,000 in the first 180 days
  • Earn an anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†

While the spending requirement is high, it’s an average of $1,250 per month in the first year, which is lower than what’s required on some other premium credit cards.

This card has an annual fee of $599, and you’ll need to renew the card for a second year to capture the full welcome bonus. 

As always, the card’s everyday earning rates are as follows:

  • Earn 2 Aeroplan points per dollar spent on direct purchases with Air Canada®, including Air Canada Vacations®
  • Earn 1.5 Aeroplan points per dollar spent on eligible gas, grocery, travel, and dining purchases
  • Earn 1.25 Aeroplan points per dollar spent on all other eligible purchases

In addition to the travel benefits offered by the lower-tier cards, the TD® Aeroplan® Visa* Infinite Privilege* Card also comes with a DragonPass membership and six lounge passes per year, as well as Maple Leaf Lounge access. Plus, your spending on the card will help earn Status Qualifying Miles or Segments towards Aeroplan Elite Status.

The TD® Aeroplan® Visa* Infinite Privilege* Card requires $150,000 in annual personal income or $200,000 in annual household income to qualify.

To be eligible for this offer, you must apply and be approved for the card by March 4, 2024.

TD® Aeroplan® Visa Platinum* Card: Up to 20,000 Aeroplan Points

The TD® Aeroplan® Visa Platinum* Card is once again holding steady at 20,000 Aeroplan points for new cardholders. Like its Visa Infinite* counterpart, the $89 annual fee is rebated for the first year.

The welcome bonus is structured as follows:

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

Usually, welcome offers at this level are reserved for cards with a higher income requirement. If this card is a better fit for your income, or if you’ve been ignoring it in favour of premium products, now is a great time to apply.

While the welcome bonus shines, ongoing earning rates aren’t quite as strong as the TD® Aeroplan® Visa Infinite* Card’s:

  • Earn 1 Aeroplan point per dollar spent on eligible gas, grocery, and direct Air Canada® purchases (including Air Canada Vacations®)
  • Earn 1 Aeroplan point per $1.50 spent on all other eligible purchases

The TD® Aeroplan® Visa Platinum* Card also provides preferred pricing and Aeroplan award ticket insurance, but it doesn’t offer free checked bags or a NEXUS rebate.

To be eligible for this offer, you must apply and be approved for the card by March 4, 2024.

Conclusion

TD remains one of Canada’s leading credit card issuers. The bank has just announced new offers on its Aeroplan credit cards for Winter 2024, and this time, the core and premium cards are offering lower welcome bonuses than the previous two rounds. 

If you’re looking to add one of these cards to your portfolio, you can take advantage of the bonuses if you apply and are approved for the TD® Aeroplan® Visa Infinite* Card, the TD® Aeroplan® Visa Infinite Privilege* Card, and the TD® Aeroplan® Visa Platinum* Card by March 4, 2024.

Terms and conditions apply.

This is a recurring article, regularly updated with the latest promotion. Some comments may refer to past promotions that are no longer available.
80 Comments
  1. Shame

    Are the VI MSRs separate or combined? i.e. first 5K spent goes towards 7.5K?

  2. John

    Transferred from TD Areoplan Infinite to Cashback Infinite in November when will I be eligible for the welcome bonus on the Infinite Privilege?

  3. JMC

    I believe the T&Cs on both the TD AP Visa Infinite Privilege and Visa Infinite state the latter points (MSR within 12 months) as “Anniversary Bonus”, but the article is stating as not Anniversary Bonus, unless I am missing something. Can you please confirm on this? Many thanks!

  4. Jeffrey

    Hi Josh, I applied (does that mean “opened”?) for the TD Visa Infinite card in April 2021, and closed the account in April 2022.
    The T&Cs state “if you have OPENED an account in the last 12 months, you will not be eligible for this offer”.
    Would I be eligible again for the signup bonus for this same card in April 2023, or earlier? Thanks

  5. vanaelstn YUL

    Do you know if the rules for Quebec include the minimum spend amounts or does it have to do with keeping the account open and in good standing only? If it’s the latter, what are the details for the offer in Quebec?

    Thanks!

    1. Ricky YVR

      Quebec has a minimum spend as well.

  6. Melanie

    Since TD allows for new WB if you haven’t opened that type of card in the last 12 months, is there anything stopping us from opening a card, cancelling it before annual fee posts again, and then opening that same card for a new WB year after year? Thanks!

  7. Gary

    I have the Aeroplan Infinite Privilege. In the first 2 statements I didn’t receive the 8500 bonus points for $1000 spend. I phoned an the rep said I would receive all the monthly bonus points at one time after the 10 months is over. This sounded odd, so I want to know if people are getting their bonuses monthly or if they have to wait 10 months.
    Thanks.

    1. kart

      That doesn’t sound right. You don’t need to wait 10 months. The first set of 8000 points are awarded starting from the first billing cycle after your card has been approved. It has been 2 new billing cycles since I was approved and I have received the 8000 points twice.

  8. Bileth

    Does the privilege allow for eUp rollover?

    1. Rachel YYZ

      It does, you can roll over 50 eUpgrades.

  9. A

    Does the Infinite Privilege still come with the world wide pass after $25k? How long does it take to show up after meeting the spend?

  10. the brews

    Whats the TD rewards dates? “Ends May 29 2022” and this article was updated on May 30th 🤔

    1. Ricky YVR

      That was the previous expiry date. It’s now been extended to October 29, 2022.

  11. KEnt

    What changed? Is it just that they extended their promos?

  12. Christine

    Hi thanks for the article! I have a TD all inclusive account and never had a credit card before – debating if I should apply for the Aeroplan visa infinite privilege or the Aeroplan visa infinite since I qualify for either. I can’t decide if the annual fee is worth the extra points you get from the privilege since the VI is free. What do you think is the better deal?

  13. Thomas

    Seeing as the buddy pass is now only available CIBC AEROPLAN® VISA INFINITE* CARD, would you be able to apply for both the CIBC and TD Aeroplan Visa Infinite cards and receive both welcome bonuses, even though they are at the same performance level. I recall before you would only be eligible for one buddy pass per tier, but as there is now only one card that gives it in the welcome bonus would it be worth it to apply for both? Thank you.

  14. Rick

    I called in and did a product switch from my TD AP infinite to privilege without any issues. Only had the infinite card for 6 months. $200k household income was just a yes or no question. Agent told me the 105k AP promo is for online only. The promo she got me was 20k first use and 80k with $1k spend within 90 days. I like that much better. Now the question I have is, will I be able to downgrade this card in 6 months to get prorated fee back?

    1. Matthew

      Hi Rick! That’s a great upgrade offer seeing as you had the TD AP Infinite card for six months (Im assuming you got a welcome bonus there as well). When you did your upgrade, did TD pro-rate your annual fee for the current card? or did you get that waived? My understanding of TD’s product switch rules is that you are allowed a maximum of TWO switches per year. The first switch can happen after your 4tht statement, after that its recommended to wait at least six months. TD might consider another switch back to the TD AP Infinite as “abuse” of the welcome bonus since you likely have received two of them. Therefore I recommend you wait until your next annual fee posts to switch back. (you may get lucky and get some type of offer when you do).

      1. Rick

        I got the TD AP VI in July 2021. It was FYF, 25k sign up + 30k buddy pass conversion. It was a great deals back then. When I did the product switch over the phone, the agent told me I may not get the full 20k spent after first spend (she isn’t 100% sure) but I will get the 80k after spending 1k. There was no prorated rate for current card since I was on FYF. Thanks for the advice about waiting for the full year.

  15. merc7paul

    Hi, I think i messed up, i applied for the visa infinite, two days ago, will they upgrade me to the new offers or am I stuck with the old offer of 25000 Aeroplan points?

    1. Josh YVR

      You’ll get the old offer. Luck of the draw when you apply just before the offer ends – might go up or down, you never know!

  16. Todd

    any data points re: in-path offer? ive been trying to trigger it, but am not seeing anything.

    1. Matthew

      Hi Todd! I triggered the in-path offer and currently its identical to the public offering of 50,000 Aeroplan points for the TD Aeroplan Infinite Visa card. This is a very strong offer 🙂 Hope this helps!

  17. Rob

    I’ve had a TD Visa Infinite card for 5+ years. Can I upgrade my account to an Infinite Privilege to take advantage of this offer?

    1. Matthew

      Assuming you meet all the usual requirements to get approved for the privilege card, you CAN do a product switch. I would call TD to confirm you qualify for the bonus before you proceed. Your existing card would need to have a $10,000 limit or higher and your household income would need to be $200,000 or higher. If you can say “yes” to both, then your chances of getting the new bonus are very good.

      1. Rebecca Forgan

        And if you do the switch from long term infinite card holder to infinite privilege card, I’m
        assuming you’d need to pay the annual fee since it doesn’t appear that the infinite privilege offers a FYF option. Is that correct?

        1. Matthew

          Hi Rebecca,
          It depends on the type of relationship you have with TD. You may get an annual fee waiver for the first year, if you have not received any welcome bonuses for a couple of years. Otherwise TD will prorate your annual fee from the previous card and post it as a credit to your account. This also depends on when your card “anniversary” is in relation to when you request the product switch.

          You should receive some type of credit, maybe even a full waiver if you call in and ask nicely 🙂 Hope it works out for you.

  18. Mike

    Hi josh, can you comment on the difference between a transfer versus a product switch or are they the same thing? I got an email from Air Canada asking me to upgrade to a Visa infinite privilege to get the full 105,000 AP bonus. I thought that a product switch wouldn’t offer the full bonus..

    1. Josh YVR

      Every bank uses different terminology but they all mean the same thing. If you have an upgrade offer from a bank or Air Canada, you’ll definitely be eligible for the full bonus, and if you don’t receive it automatically you can point to the offer as supporting evidence when you claim your missing points.

    2. Matthew

      Assuming you meet the requirements for the new card and haven’t received a welcome bonus in the last 12 months (may vary for the Infinite Privilege card), you CAN receive the bonus on a product switch. I recently did this and I have my new card and awesome welcome bonus. Keep in mind your current card would need to have an existing limit of $10,000 or more and your household income needs to be $200K+ – call TD ahead of time to confirm eligibility for the bonus, but if you are getting an email from Air Canada, its extremely likely you qualify 🙂 — “transfer” and “product switch” are interchangeable, but banks prefer the second term.

  19. Steve

    How strict is TD with the $200k income requirement on the Privilege card? Could a healthy investment portfolio with them, your mortgage with them, as well as a good household income be enough? Does an in branch, human application help at all? I always though the high requirement was a bit much, considering how high the annual fee is as well.

    1. Josh YVR

      In my experience, TD is helpful and flexible for clients in your situation who use a variety of their other services – a branch appointment or phone application would certainly be better than an online application.

    2. Matthew

      I forgot to mention that you might want to check out Amex Aeroplan Reserve card. The welcome bonus is up to 110,000 points and have some pretty sweet benefits. Maple Leaf lounge access and a worldwide companion pass are included assuming you meet the requirements. The annual fee is $599 (same as TD) but the kicker here is Amex is NOT strict with income requirements. So if the application from TD does not work out, you have a possible plan “B”

    3. Matthew

      f you are applying online, then the income requirement (currently household income of $200,000 or more) is strictly enforced. Having other business with TD likely will help your chances 🙂 I would contact your branch and book an appointment. I’ve heard of applications being pushed through, despite falling short on the income requirement. nothing is set in stone when dealing with a real human being. Hope it all works out for you 🙂

  20. Gary

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

  21. Faez

    Is the buddy pass issued every 12 months?

    1. Matthew

      No. Its a one time deal as part of the welcome bonus. However you CAN earn up to three buddy passes if you have an Aeroplan card in each category (core, premium and business) and meet all of the spend requirements. Keep in mind though, NO current welcome bonuses are offering the buddy pass as of March 7th 2022. That ship has sailed. We may see the passes return in September, but no promises.

  22. Faez

    Do you get a buddy pass every 12 months?

  23. Bileth

    Can you receive WBs for the Aeroplan Infinite and Platinum cards within the same 12 months?

    1. Matthew

      I don’t see why not, considering they are in different categories (Platinum is “entry-level” and Infinite is a “core” offering) – Assuming you are applying at TD for both, I recommend that you call ahead and confirm if you are eligible for the bonuses.

  24. kart

    I just applied for the “TD Aeroplan Visa Infinite Card” on Aug 16 which was the deadline to avail the previous offer of 20K points. I see that its now 25K points! Didn’t think it would get better! Missed the 5K points 🙁

  25. William

    If I buy an economy ticket with Buddy Pass, how do I upgrade to Business class? And if I can’t use the Buddy Pass by expiry date, can I then convert it to get Aeroplan points each year?

  26. Ryan

    Hello, would I still qualify for the welcome bonus with the TD Aeroplan Infinite card if I already have a CIBC Aeroplan Infinite Privilege card (no buddy pass)? Does it have any impact on my Aeroplan account having two cards? I’m trying to hit the minimum spend on the Privilege card for the status up offer.

    1. Ricky YVR

      Yes, you will.

  27. Abi YYZ

    “When redeemed for maximum value, these offers are worth $500 or $300, respectively.”
    I think you meant to write $500 or $400, respectively.

    1. Josh YVR

      I was referring to the First Class Travel card vs the Platinum Travel card, not Expedia vs Book Any Way. Good catch though, I clarified the article.

  28. Hussein

    On TD website, it says the bonus is 45,000 upon spending the first 1,000$. Can you please clarify?
    “Earn an additional 45,000 Aeroplan points when you spend $1,000 within 90 days of Account opening, up to a total of 65,000 Aeroplan points”

    1. Josh YVR

      20,000 when you make your first purchase + 45,000 when you spend $1,000 = 65,000 points total.

  29. steve

    Thanks for this clear overview. About the Buddy Pass – is the “start date” of the pass when you meet the minimum spend requirement or when the certificate actually appears in your Aeroplan account? It seems people are waiting weeks, even months, to get it, which certainly affects the expiry of the pass.

  30. LeLe

    Hello. Can one person have the TD Visa Infinite and the TD Visa Platinum opened at the same time? Wondering if I need to cancel my TD Visa Infinite before applying for the Platinum. Thanks!

    1. Josh YVR

      Yep, just opened both myself!

      1. Chris

        Hi Josh,
        I applied by phone today for the Platinum AP and the TD agent said that since I closed my VI card in May/20, I might NOT be eligible for the WB as it’s hasn’t been over a year.
        She said the WB is across all their credit cards, not based on type. I applied anyways so hope to get it.

        1. Josh YVR

          I’d say the agent might be misinformed 😉 I was never given such a warning, just let the system run its course and hope for the best!

          1. JJ

            I was also told that as I had recently opened a new aeroplan visa infinite that if I switched my travel infinite to the platinum aeroplan I wouldn’t get the second WB.

  31. Sebastien C

    Good day, could you comment on the “family sharing” option with these new offers. In other words, if myself and my spouse both apply for new cards, we should each get a sign up bonus. However, if your aeroplan accounts are linked to the same family plan, both sign up bonuses should end up in the “family pool”, correct?

    Or is there some exclusion criteria for that?

  32. Robin

    I currently have the TD Platinum Travel Visa and I am thinking about making the switch to the AP Platinum card. Would it be worth the switch and to try to transfer my TD points?

    1. Kent

      Hello! Just wanted to see how the product switch went. Were you able to get the welcome bonus and buddy pass? I’m thinking of doing the same (from First Class Travel to TD Aeroplan). My FCT card was opened more than. 12 months ago.

    2. colonel

      I’am in the same situation; to switch to AP, will you be able to have the bonus Aeroplan point because it not a ‘new’ application from the AP ? Also, do you mean to transfer points for TD point to Aeroplan point, if so it possible to do that ?

      1. Robin

        I switched from the TD points to AP last night. I asked if they could convert my TD points that I have saved up into AP points. Sadly they said it is not possible to convert points so I just redeemed the points I had into cash credit. I just called the phone number behind the credit card and asked if I could have switch credit card products. No application needed. It did not affect my credit score and you will still get the welcome bonus if you didn’t open a card in 12 months.

        1. colonel

          Hi Robin
          Thank a lot for the information.
          But In my case, 8 month ago , I switch for TD Aeroplan to TD platinum (TD offer me to do that). So I don’t know what can happen if I ask to switch ‘back’ to the new TD aeroplan ?

    3. Ricky YVR

      Worth giving it a go in my view.

  33. milegosu

    Loving the content and the effort you are putting into this blog Josh.
    Question for you:
    you said in the comments below that Visa platinum and Visa infinite are considered different products so PSing to a visa platinum would give me up to 20,000 points and later (let’s say hypothetically 6 months later) I can PS that card into Visa infinite to get the Visa Infinite bonus ?
    Also In “All About PSing” article by Ricky, he mentions that there have been some DPs that reports receiving unused TD points at 1:4 ratio. Would we have to do this before the product switch? Or can we do it retroactively after PSing to the new card?

    Thanks

    1. Josh YVR

      Glad you’re enjoying my contributions so far! 😊

      I wouldn’t expect to get the welcome bonus if you switch between products that earn the same type of rewards. Instead, you’d be eligible for both bonuses on new applications.

      I haven’t done the 4:1 recently, but in the past I’ve been told that I could do it at the time of PS. I always recommend using your points before closing or changing a card – some banks let you keep them for 2-3 months after, but just invites a whole swath of avoidable headaches.

  34. Annie

    I do hope that CIBC will match with TD’s offers, so we have more cards to open (if you know you know 😉 ) The chance may be low though as TD is the main partner of Aeroplan, all we can do is wait and see.

  35. Glen

    Any idea if canceling the card would cancel the buddy pass, or would that remain safe in your AC/aeroplan account?

    1. Josh YVR

      Great question. From the T&Cs:

      “Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product.”

  36. JMC

    Although the T&C states “excluding new cardholders from receiving the welcome bonus if you’ve opened the same card within 12 months”, does this apply on different cards in the AP program? For example, if I opened a TD AP Visa Infinite within the last 12 months, will I be qualify for WB if I applied for the TD AP Visa Platinum now? Thanks!

    1. Josh YVR

      Yes you’ll be eligible for both, as the Infinite and Platinum cards are different products.

      1. MasterChris

        I was denied for this

      2. JMC

        Great to hear! Thanks Josh! 🙂

    2. Joy

      I’m also wondering the same thing!

  37. trend

    Is it qualified to apply it through switching from other TD credit card?

    1. Josh YVR

      There’s no language in these offers that specifically says “new applicants only” but you should still consider if you’re eligible based on the last time you received a bonus. You can read more here.

  38. litokid

    >Also, each Aeroplan member can only earn one Air Canada Buddy Pass for each card tier (core, premium, or business) at all banks, up to a maximum of three Buddy Passes.

    Whoa that seems something fairly big mentioned at the end! Not that most people would qualify for 3 buddy passes, or have use for them. Josh, do you know if this limit on an annual basis or indefinite?

    1. Josh YVR

      It’s too early to say, as the Buddy Pass was only introduced two months ago. I think it will depend on how well the Buddy Pass is received, and if Air Canada determines that loyalty members will value it as a recurring feature going forward.

      If you want to stagger the expiry dates of your Buddy Passes, it might be wise to space out your new core, premium, and business cards, and tackle each tier all at once. For example, do Visa Infinite at TD + CIBC now, VIP at both + Amex Reserve a few months later, and Business cards at all three a few months after that.

      1. CR

        Why stagger it that way?

        1. Josh YVR

          The Buddy Pass is valid for a year from the date it’s issued. That way you’d space them out. Obviously depends on your travel plans within the next 12 months.

      2. litokid

        Good points – thanks!

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