Are you looking for TD Aeroplan Visa Infinite Card review? There are many different Aeroplan credit cards on the market, but TD is the official partner of Aeroplan. Truth be told, it doesn’t matter who’s the official partner since consumers should only care about how the travel rewards benefit them.
Although TD has three different Aeroplan cards, the most popular one is the TD Aeroplan Visa Infinite Card. It’s a mid-tier Aeroplan card, the annual fee is usually waived for the first year, and it’s comparable to some of the best travel credit cards in Canada. Keep reading my TD Aeroplan Visa Infinite Card review to find out if the card is any good and how it compares to other Aeroplan credit cards.
TD Aeroplan Visa Infinite Card
- $139 annual fee – Frist year free
- 10,000 Aeroplan points after your first purchase
- 20,000 additional Aeroplan points when you spend $5,000 in the first 180 days
- 10,000 Aeroplan points on your anniversary when you spend $7,000 in the first 12 months
- 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
Welcome bonus and earn rate
With the TD Aeroplan Visa Infinite Card, the sign up offer is usually around 40,000 – 70,000 Aeroplan points. Let’s be clear, that’s an excellent bonus. Remember, there’s usually a first-year annual fee rebate, so you can easily earn a lot of Aeroplan points. You just need to meet the minimum spend requirement.
You get the annual fee of $139 waived for the TD Aeroplan Visa Infinite Card if you have a TD All-Inclusive Chequing Account. Plus, if you keep at least $5,000 in the account, you get your monthly chequing account fees waived. This works out great when the welcome offer has an anniversary bonus.
As for the earn rate. It’s comparable to some of the best Aeroplan credit cards. You’ll earn 1.5 Aeroplan points per dollar spent on gas, groceries, and Air Canada purchases. All other purchases earn you 1 Aeroplan point per dollar spent.
Benefits and perks
Now it’s time to go over the benefits in my TD Aeroplan Visa Infinite Card review. The card has an annual fee of $139, but it’s often waived for the first year. What will appeal to most people is that this card comes with many travel perks.
Air Canada benefits
- Free first checked bag – The primary cardholder and up to eight travelling companions on the same itinerary get your first checked bag free.
- Reach Aeroplan status more easily – For every $10,000 you charge to your card, you’ll earn 1,000 Status Qualifying Miles and one Status Qualifying Segment. Plus, you can roll over up to 200,000 unused Status Qualifying Miles for the following year.
Frequent flyers will love how there’s a $100 NEXUS application fee rebate for the primary cardholder and additional cardholders. This benefit can be applied once every 48 months. Since your NEXUS card is good for five years, you’ll never have to pay an application fee.
Save on rental cars
When renting a car at Avis or Budget and paying with your TD Aeroplan Visa Infinite Card, you’ll save at least 10% on the base rate in Canada and the U.S. When travelling internationally, you’ll save at least 5% at participating locations.
- Travel medical – $2,000,000 for 21 days / 4 days if you’re 65 or older
- Trip cancellation – up to $1,500 per person / $5,000 total
- Trip interruption – up to $5,000 per person / $25,000 total
- Flight/trip delay – up to $500 / 4 hours
- Delayed and lost baggage – up to $1,000 / 6 hours
- Hotel/motel burglary – $2,500
- Auto rental collision/loss damage – 48 consecutive days / $65,000
- Common carrier travel accident insurance – $500,000
As you can see, the TD Aeroplan Visa Infinite comes with comprehensive travel insurance. Your travel medical insurance covers you for a respectable 21 days, but you only get four days if you’re 65 or older. The only complaints about the included travel insurance are that your delayed baggage insurance only kicks in after six hours (other policies have it at four) and the car rental insurance of $65,000 (other policies cover $85,000).
Mobile device insurance
The included mobile device insurance covers phones and tablets up to $1,000 from loss, theft, or damage. You do need to charge the entire amount of your device or the monthly bill to your TD Aeroplan Visa Infinite Card for the insurance to apply. Also, note that depreciation would apply if you ever need to make a claim.
- Purchase security – 90 days
- Extended warranty – Up to one additional year
If you didn’t know, purchase security protects you from loss, theft and damage for 90 days. The extended warranty automatically doubles your manufacturer’s warranty for up to one additional year. These loss damage insurance benefits may not seem important, but like any other insurance, you’ll be glad you have it when needed.
Visa Infinite benefits
- Concierge service – Call the Visa Infinite Concierge 24/7 and have them make your dinner reservations or find you the perfect gift.
- Luxury Hotel Collection – When booking a property through the Visa Infinite Luxury Hotel Collection, you’ll get exclusive benefits such as dining credits and room upgrades.
- Dining Series – Cardholders can attend exclusive culinary events with celebrity chefs.
- Wine Country program – When showing your Visa Infinite Card at participating wineries in British Columbia, Ontario and Sonoma Valley, you’ll get discounts on purchases and free tastings.
- Entertainment access – Get invites to special events throughout the year and exclusive access to the Toronto International Film Festival.
- Troon Golf – Get Troon Rewards Silver Status and 10% off green fees, merchandise and lessons.
The above benefits are nice, but you’ll unlikely use them often. That said, the Luxury Hotel Collection is always worth looking into as the credits and perks you can often offset the cost of your stay.
How to redeem your points
Aeroplan went through a major revamp in 2021, but it’s now more consumer friendly. That’s because any available seat on Air Canada can be redeemed with your points. In addition, Aeroplan has 45+ airline partners where you can use your points on seats (when available).
The number of points it takes for a free flight depends on where you’re flying from, where you’re flying to, and the seat class. This is all outlined in the flight rewards chart, so you can get a rough idea of how many points a flight will cost you.
That said, Aeroplan uses dynamic pricing. That means popular routes and peak times result in prices that may exceed the flight chart. In addition, fees, taxes and surcharges will apply.
I personally value one Aeroplan point at two cents. After averaging out the cost of hundreds of flights, I came to this conclusion. That means a welcome bonus of 50,000 Aeroplan points could easily yield a real value of $1,000.
Besides flights, you can use your Aeroplan points for Air Canada Vacations, hotels, car rentals, gift cards, and merchandise. When signing up for this card, you can input your current Aeroplan number. If you’re a new member, a number will be assigned to you.
TD Aeroplan Visa Infinite Card eligibility
- You’re a Canadian citizen or are a permanent resident
- You’re at least the age of majority in the province or territory where you live
- You have a minimum annual personal gross income of $60,000 or a household income of $100,000
As a Visa Infinite Card, the eligibility requirements are mainly based on your residency status and income. Even though the application process doesn’t specifically mention any minimum credit score requirement, you’ll want yours to be at least 670 since that would put you in good standing. With anything less, there’s a greater chance that you’ll be declined when applying for this card.
How the TD Aeroplan Visa Infinite Card compares
TD Aeroplan Visa Infinite Card vs. American Express Aeroplan Card
The TD Aeroplan Visa Infinite’s stiffest competition is likely the American Express Aeroplan Card. The Amex card gives you 2 points per dollar spent on Air Canada purchases and 1.5 points per $1 spent on dining and food delivery, which is better than TD. However, TD has a better earning rate on gas and groceries. Plus, the TD card has better travel insurance.
TD Aeroplan Visa Infinite Card vs. CIBC Aeroplan Visa Infinite Card
Another card worth looking at is the CIBC Aeroplan Visa Infinite Card since it’s practically the same as the TD card. The only difference you’ll usually find is in the welcome bonus. It’s not uncommon for people to apply for both cards as it would allow them to quickly earn 100,000+ Aeroplan points.
TD Aeroplan Visa Infinite Card vs. WestJet RBC World Elite Mastercard
I also want to point out how the WestJet RBC World Elite Mastercard gives you your first checked bag and a companion voucher. So it offers similar airline benefits, but it only applies to WestJet. If you fly WestJet more often than Air Canada, it probably makes more sense to get the WestJet card.
My TD Aeroplan Visa Infinite Card review is positive. The card usually has an excellent welcome bonus, and the earn rate is comparable to other Aeroplan cards. This is an ideal card for those in the following situations:
- You want to earn Aeroplan points – Just about every purchase you make with your card will earn you Aeroplan points.
- You frequently fly with Air Canada – The primary cardholder and up to eight travel companions on the same reservation get their first checked bag free.
- You want travel insurance – Those aged 65 or under get 21 days of travel medical insurance. In addition, you get comprehensive extended travel insurance such as trip cancellation and lost baggage.
Honestly, with no annual fee for the first year, this card is a no-brainer. Plus, since you get your first checked bag free, that could pay for the annual fee itself. The one thing you want to look out for is the welcome bonus. Sometimes it’s earned with a lump sum, while at other times, it’s spread out over multiple months.