The Best TD Aeroplan Credit Cards

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The best TD Aeroplan credit cards are easy to determine. Ever since the new Aeroplan arrived, there has been an increased interest in their co-branded credit cards. Every card comes with different benefits and welcome offers, so it’s important to analyze each one to see what’s best suited for you.

If you’re thinking about a TD Aeroplan credit card, these are the best.

TD Aeroplan Visa Platinum Card

  • $89 annual fee – First year free
  • Earn 10,000 Aeroplan points after your first purchase
  • Earn 10,000 additional Aeroplan points when you spend $1,000 in the first 90 days
  • Earn 1 Aeroplan points per $1 spent on gas, groceries, and Air Canada purchases
  • Earn 1 Aeroplan point per $1.50 on all other purchases

For a true entry-level card, I honestly don’t have much to complain about the TD Aeroplan Visa Platinum Card. The annual fee is reasonable and the welcome bonus is usually around 20,000 Aeroplan points. Sure, the earn rate isn’t the best, but this is a basic Aeroplan Card so you shouldn’t get upset about it.

This card is ideal for people who have limited income but still want to earn Aeroplan points on all their purchases. You don’t get great travel insurance, but it does come with mobile device insurance, purchase security, and extended warranty.

TD Aeroplan Visa Infinite Card

  • $139 annual fee – First year free
  • Earn 10,000 Aeroplan points after your first purchase
  • Earn 20,000 additional Aeroplan points when you spend $1,000 in the first 90 days
  • 20,000 Aeroplan points on your card anniversary when spending $7,500 in the first year
  • Earn 1.5 Aeroplan points per $1 spent on gas, groceries, and Air Canada purchases
  • Earn 1 Aeroplan point per $1 spent on all other purchases
  • First bag checked free on Air Canada flights

I personally think the TD Aeroplan Visa Infinite Card is the best everyday card for the average person. The reason I say this is that you earn 1.5 Aeroplan points for every $1 spent on gas, groceries, and Air Canada purchases. Let’s be realistic, the odds are most people spend more on gas and groceries than any other category.

The welcome bonus frequently changes for this card, but generally speaking, you should expect to see offers in the 20,000 – 50,000 Aeroplan points range. What makes this card appealing is that the annual fee is usually waived for the first year. You also get free checked bags on Air Canada flights.

The included insurance package, including travel, is excellent. You even get a NEXUS rebate up to $100. Some people may not care about NEXUS, but I have it and it saves me a lot of time at the airport.

TD Aeroplan Visa Infinite Privilege Card

  • $599 annual fee
  • Earn 20,000 Aeroplan points after your first purchase
  • Earn 30,000 Aeroplan points when you spend $3,000 in the first 90 days
  • Earn 55,000 Aeroplan points when you spend $$12,000 in the first year
  • Earn 2 Aeroplan points per $1 spent on Air Canada purchases, 1.5 points on gas, and groceries, and 1 point on all other purchases
  • First bag checked free, priority check-in & boarding on Air Canada flights
  • Maple Leaf Lounge access in North America
  • Dragon Pass airport lounge access + 6 free annual passes

Now that we’re talking about the premium Aeroplan credit cards, you can clearly see how many benefits you get. Air Canada has done an incredible job rebuilding their credit cards.

As a TD Aeroplan Visa Infinite Privilege cardholder, you get so many Air Canada benefits including Maple Leaf Lounge access, priority boarding and more. The insurance package is excellent and it’s worth noting that the purchase security and extended warranty you get is better than many other premium cards.

The sign up bonus is excellent, but solo and business travellers probably won’t like the Buddy Pass. The earn rate on just about every category is great too. This is a fantastic card for power spenders who fly Air Canada a lot.

Final thoughts

Overall, the TD Aeroplan credit cards are impressive with benefits focused on Air Canada and a strong welcome bonus. What’s interesting is that TD seems to switch between points only and points + a Buddy Pass as the welcome offer. With the Buddy Pass, when the first passenger pays full price, the second traveller only pays taxes and third-party fees. That’s a potential savings of hundreds of dollars. However, with points only offers, you get more flexibility. If you’re looking for more Aeroplan points, check out the new American Express Aeroplan Cards.

About Barry Choi

Barry Choi is a Toronto-based personal finance and travel expert who frequently makes media appearances. His blog Money We Have is one of Canada’s most trusted sources when it comes to money and travel. You can find him on Twitter:@barrychoi

18 Comments

  1. Christine March on August 11, 2020 at 5:36 PM

    Can you explain what these two phrases mean:

    Primary Cardholders earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 of net purchases (less any returns and credits)

    Cardholders can get an annual round-trip companion pass from $99 (plus taxes, fees, charges, and surcharges)

    • Barry.Choi on August 11, 2020 at 6:06 PM

      Hi Christine,

      For every $5,000 you charge to the TD® Aeroplan® Visa Infinite Privilege, you earn 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS). SQM and SQS are for elite status – https://www.aircanada.com/ca/en/aco/home/aeroplan/status.html

      As for the companion pass. When you spend $25,000 on your card, you get a companion pass on your anniversary. The primary passenger pays regular price while the companion passholder pays $99-$599. The range depends on where you fly to.

      • Christine March on August 11, 2020 at 8:12 PM

        Thanks Barry but I still don’t understand what SQM and SQS mean. I checked the link you provided to the AC website but I still don’t understand what they mean. These terms are completely foreign to me.

  2. Charles Guanzon on August 11, 2020 at 7:35 PM

    Hello. What happened to the Priority Pass lounge benefit. That was a major draw for me in getting the premium card. With the increase, and loss of the lounge benefit (Not Maple leaf), this has less value for me.

    I am hoping that since this is a VISA infinite privilege card, that it retains this benefit separate from the AC benefits…. Please confirm

    • Barry.Choi on August 11, 2020 at 8:20 PM

      Charles,

      MLL is an additional perk. PP access remains.

  3. Virna on August 11, 2020 at 8:53 PM

    Hi Barry,

    Will there be a welcome bonus when the new TD Aeroplan cards are launched on Nov 8? Should I close my current TD Visa Infinite Aeroplan and re-apply to avail of the welcome bonus?

    Thanks!

    • Barry.Choi on August 11, 2020 at 8:56 PM

      Product switching to a no fee card and then signing up for the TD Aeroplan card after November 8th will probably benefit you. That said, CIBC will probably have offers too so you could just sign up for one of their cards.

  4. Ron on August 12, 2020 at 2:28 PM

    So for Aerogold infinite they have dropped priority check in, priority boarding (zone2), once a year lounge access and increased the fees? Nice…. Time to look elsewhere.

    • Barry.Choi on August 12, 2020 at 2:56 PM

      Ron,

      The Aerogold card is from CIBC, not TD. With the new cards you get free checked bags for up to 8 people and better travel insurance. That’s worth way more than the $19 increase in annual fee.

      • Ron on August 12, 2020 at 3:01 PM

        Sorry Barry, my wife has the TD card, I have the CIBC card. So she has lost priority boarding and check in and once a year lounge access?

        • Barry.Choi on August 12, 2020 at 3:11 PM

          Ron,

          I’m going to double check with TD about the lounge access. The free checked luggage alone makes the cards more lucrative. Checked bags are normally $30-50 each way.

        • Mc on January 18, 2021 at 12:48 PM

          I litreally just applied for the TD Aeroplan infinity Visa when it was 10k points. Wonder how hard it would be to ask the to give me the extra 10k?

          • Barry Choi on January 18, 2021 at 1:35 PM

            MC,

            Doesn’t hurt to call and ask, but I wouldn’t get my hopes up.



  5. Harold on September 1, 2020 at 8:12 AM

    What is the travel insurance coverage for those over 65?

    • Barry.Choi on September 1, 2020 at 11:53 AM

      Hi Harold,

      I assume that it’ll be the same as what’s available now so 4 days for 65+

  6. albert on October 4, 2020 at 1:41 PM

    card going up 200 bucks for very little in gains
    Am ex Plat better offer with 200 annual travel reward
    looks like a money grab from TD
    will def speak with them, otherwise looking for another card
    No MLL unless flying on rewards…this sucks

  7. Peter Morrow on October 28, 2020 at 12:54 AM

    Losing the TD Aeropan Maple leaf lounge benefit may not be a big deal for most. I can’t afford to buy a Maple leaf pass, I don’t use it for business so I can’t write it off. As someone who doesn’t travel that much, an annual Maple Leaf Lounge benefit was really nice. Travelling from Vancouver to Penticton when the only two flights are first thing in the morning or after dinner at night, means you have to sit around the terminal for hours. Having the benefit of the Maple leaf Lounge really made the wait a pleasant layover.

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