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The new Aeroplan has arrived and with it comes the new Aeroplan credit cards from TD, CIBC, and American Express. 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.

What’s interesting is that Air Canada has introduced a Buddy Pass as part of the welcome bonus for some cards. 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.

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

Best TD Aeroplan credit cards

TD Aeroplan Visa Platinum Card 

  • $89 annual fee – First year free
  • 10,000 Aeroplan points after your first purchase
  • 10,000 additional Aeroplan points when you spend $1,000 in the first 90 days
  • Earn 1 Aeroplan point for every $1 spent on gas, groceries or purchases made with Air Canada, including Air Canada Vacations 
  • Earn 1 Aeroplan point for every $1.50 spent on all other purchases
  • Some travel insurance
  • Mobile device insurance
  • Purchase security
  • Extended warranty

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 you get 10,000 Aeroplan points after your first purchase. Plus, you’ll earn another 10,000 points when you spend $1,000 in the first 90 days. 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
  • 10,000 Aeroplan points after your first purchase
  • 10,000 additional Aeroplan points when you spend $1,000 in the first 90 days
  • Air Canada Buddy Pass after you spend $1,000 in the first 90 days
  • Earn 1 Aeroplan point per $1 spent on Air Canada, including Air Canada Vacations
  • Earn 1.5 Aeroplan points for every $1 spent on gas, groceries or purchases
  • Earn 1 Aeroplan point for every $1 spent on all other purchases
  • Air Canada Travel Benefits: including eligible Free First Checked Bag (up to 8 people), Status Qualification Boost and Preferred Pricing on flight rewards
  • Aeroplan Elite Status Benefits: Rollover Status Qualifying Miles, Rollover eUpgrade Credits and Priority Airport Upgrades
  • Comprehensive travel insurance package
  • Mobile device insurance
  • Purchase security
  • Extended warranty
  • NEXUS+ application fee reimbursement of up to $100 for the primary cardholder and additional cardholders 

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 is very easy to obtain and is worth up to 20,000 Aeroplan points. While some travellers would prefer more points over the Air Canada Buddy Pass, there’s no denying the value here.

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

  • $599 annual fee ($199 for supplementary cards)
  • 20,000 Aeroplan points after your first purchase
  • 30,000 Additional points + Air Canada Buddy Pass after you spend $1,000 in the first 90 days
  • Earn 2 Aeroplan points for every $1 spent on purchases made with Air Canada, including Air Canada Vacations 
  • Earn 1.5 Aeroplan points for every $1 spent on gas, groceries, travel, and dining purchases
  • Earn 1.25 Aeroplan points for every $1 spent on all other purchases 
  • Air Canada benefits
    • Free first checked bag
    • Maple Leaf Lounge and Air Canada Café access within North America
    • Priority check-in & priority boarding
    • Priority baggage handling
    • Priority airport standby, and for Aeroplan Elite Status members, priority airport upgrades 
    • Annual companion pass when spending $25,000 annually
  • Aeroplan Elite Status Benefits: Rollover Status Qualifying Miles, Rollover eUpgrade Credits and Priority Airport Upgrades
  • Priority Pass membership + 6 free annual passes
  • Travel insurance
  • Mobile device insurance
  • Purchase security (120 days)
  • Extended warranty (up to two additional years)
  • NEXUS+ application fee reimbursement of up to $100 for the primary cardholder and additional cardholders 

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.

TD Aeroplan Visa Business

If you’re a small business owner and you want to earn Aeroplan points, you’ll likely find the TD Aeroplan Visa Business since it gives you an increased earn rate on quite a few business services.

The welcome bonus is pretty good since you get points and an Air Canada Buddy Pass. Other business cards offer more points, but the Buddy Pass can be worth a lot. I also like the low annual fee of $149.

Final thoughts

Overall, the TD Aeroplan credit cards are impressive with the new benefits focused on Air Canada. Pure travel loyalists will not like the welcome bonus since it gets you fewer points, but there’s no denying that the Air Canada Buddy Pass will be appealing to more people. If you’re looking for more Aeroplan points, check out the new American Express Aeroplan Cards.

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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. Avatar 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)

    • Avatar 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.

      • Avatar 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. Avatar 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

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

      Charles,

      MLL is an additional perk. PP access remains.

  3. Avatar 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!

    • Avatar 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. Avatar 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.

    • Avatar 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.

      • Avatar 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?

        • Avatar 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.

        • Avatar 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?

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

    What is the travel insurance coverage for those over 65?

    • Avatar 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. Avatar 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. Avatar 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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