Are you ready for a TD Aeroplan Visa Infinite Privilege review? Although the $599 annual fee may be a dealbreaker for some people, the card comes with a massive welcome bonus, a high earn rate, and travel perks that don’t disappoint. Simply put, if you fly Air Canada regularly, this card is worth having in your wallet since it includes free checked bags and Maple Leaf Lounge access. But is this card a good fit for casual flyers? Read my TD Aeroplan Visa Infinite Privilege review now and find out.
TD Aeroplan Visa Infinite Privilege Card
- $599 annual fee
- Earn 20,000 Aeroplan points after your first purchase
- Earn 50,000 Aeroplan points when you spend $7,500 in the first 180days
- Earn 30,000 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
- DragonPass airport lounge access + 6 free annual passes
Welcome bonus and earn rate
For a card with an annual fee of $599, it’s fair to expect a huge welcome bonus. Fortunately, this card does not disappoint. The welcome bonus has typically ranged between 90,000 – 115,000 points. That’s similar to other premium Aeroplan credit cards, but the full bonus typically requires two or three different spending requirements.
To give you some additional content, 1 Aeroplan point is worth roughly two cents. That means the welcome bonus could have a value of $1,800 to $2,300. Clearly, that’s worth way more than the annual fee.
As for the earn rate, you’ll get 2 Aeroplan points per dollar spent on Air Canada purchases. 1.5 Aeroplan points per dollar spent on groceries, gas stations, travel, and dining. All other purchases earn you 1.25 points per dollar spent. You can also earn Aeroplan points at 150+ merchants via the Aeroplan eStore
Benefits and perks
It’s time to go over the benefits in my TD Aeroplan Visa Infinite Privilege Card review. The card comes packed with perks, which is why many people consider it one of the best Aeroplan credit cards and arguably one of the best travel credit cards in Canada. I think it’s an excellent card for frequent Air Canada flyers since you get so many rewards.
Air Canada benefits
- Free first checked bag – You and your travelling companions (up to eight) get your first checked bag free.
- Priority airport check-in, boarding and baggage handling on Air Canada flights – The primary cardholder and travelling companions on the same reservation all get priority services.
- Priority treatment – Cardholders also get higher priority on standby and upgrade lists.
- Reach Aeroplan status more easily – For every $5,000 you spend on your card, you’ll earn 1,000 Status Qualifying Miles and one Status Qualifying Segment. In addition, you can roll over up to 200,000 unused Status Qualifying Miles for the following year.
Airport / Maple Lounge access
The primary cardholder and one additional guest get access to Maple Leaf Lounges and Air Canada Cafés in North America. Note that you must be flying on Air Canada or a Star Alliance partner to be able to access the lounges.
In addition, you’ll get a free Visa Airport Companion membership and six free annual lounge passes. This allows you to access any lounge that’s part of DragonPass. It does not matter which airline you’re flying with, you’ll be able able to access a DragonPass lounge by showing them the Visa Airport Companion app. For reference, similar membership usually costs $99 USD per year, plus $32 USD per visit.
Cardholders travelling from Toronto, Vancouver, Ottawa, and Montreal-Trudeau airports get access to priority security lines at domestic and international airports. You can also save up to 20% on parking at Ottawa, Vancouver and Montreal-Trudeau airports.
Roll over eUpgrade credits
Cardholders can roll over up to 50 eUpgrade Credits each year. Although this benefit will only apply to people that have status and unused credits, it can be quite lucrative since those credits can be used to upgrade you to premium economy or business class.
$100 NEXUS rebate
One nice travel benefit included is the NEXUS fee reimbursement of up to $100 every four years. This perk is good for new applications and renewals as long as you pay with your TD Aeroplan Visa Infinite Privilege Card. It should be noted that this rebate is not just for the primary cardholder, it applies to any NEXUS fee charged to your card.
Annual worldwide companion pass
When you charge $25,000 to your TD Aeroplan Visa Infinite Privilege Card, you’ll earn a worldwide companion pass. This allows a guest travelling with the primary cardholder to purchase a companion ticket at a base fare starting at $99 (plus taxes and charges). This companion pass can be used for any destination Air Canada flies to, but the base fare increases depending on the distance flown. Note that this benefit can be earned every year.
Cardholders that enroll in the free Visa RSVP Reward benefit get free Diamond status with Sandman, Sandman Signature and Sutton Place Hotels. This status entitles you to complimentary room upgrades and a breakfast box at participating properties.
Save on rental cars
Any time you rent a car at Avis or Budget, you’ll save at least 10% off base rates in Canada and the U.S. if you pay with your TD Aeroplan Visa Infinite Privilege Card. For international destinations, the discount is a minimum of 5% at participating locations. Cardholders also get a status bump to Avis President’s Club.
Mobile device insurance
The TD Aeroplan Visa Infinite Privilege Card comes with $1,500 in mobile device insurance. This covers mobile phones and tablets where the full price is charged to your card. Interestingly, most credit cards with mobile device insurance in Canada only cover up to $1,000, so this card gives you more.
- Travel medical – $5,00,000 for 31 days / 4 days if you’re 65 or older
- Trip cancellation – Up to $2,500 per person / $5,000 total
- Trip interruption – Up to $5,000 per person / $25,000 total
- Flight/trip delay – Up to $1,000 / 4 hours
- Delayed and lost baggage – Up to $1,000 / $2,500
- Common carrier travel accident insurance – $500,000
- Hotel/motel burglary – $2,500
- Auto rental collision/loss damage – 48 consecutive days / $85,000
The individual payouts are pretty generous, but hopefully, you never need to make a claim. In case you didn’t know, you get travel medical insurance just for having the card. However, with extended travel insurance, such as trip interruption and delayed baggage, you need to charge your travel purchases to your TD Aeroplan Visa Infinite Privilege card.
- Purchase security – 90 days
- Extended warranty – Up to one additional year
Purchase security, sometimes known as loss damage insurance, is a benefit you likely won’t use, but if you ever need it, you’ll be glad you have it. It protects your purchases from loss, damage and theft for 90 days from the time of your purchase. As for the extended warranty insurance, your manufacturer’s warranty is doubled up to one additional year.
Visa Infinite benefits
- Concierge service – You’ll have 24/7 access to a Visa Infinite Concierge who can help you make reservations, secure tickets or even purchase gifts.
- Luxury Hotel Collection – Cardholders that book a room via the Visa Infinite Luxury Hotel Collection get benefits such as on-site credits and room upgrades.
- Dining Series – Get access to some exclusive dining events, such as tasting menus and chefs’ tables.
- Wine Country program – You can get discounts on purchases, free wine tastings and tours at 85+ participating wineries in British Columbia, Ontario and Sonoma Valley.
- Entertainment access – Enjoy advanced movie screenings and exclusive access to theatre tickets.
- Troon Golf – Get Troon Rewards Platinum Status and 20% off green fees, merchandise and lessons.
How to redeem your rewards
Aeroplan is the loyalty program for Air Canada. Aeroplan is appealing because you can use your points on any available seat with Air Canada. In addition, Aeroplan has 45+ partners where you can redeem your points. Basically, you can get just about anywhere in the world with your Aeroplan points.
The number of points required for a redemption depends on where you’re flying from, where you’re flying to, the distance flown and seat class. As you can imagine, further distances and higher cabin classes will cost you more points. Aeroplan does have a flight redemption chart, so you can quickly reference how many points it’ll cost you to get to your destination.
One downside of Aeroplan is that Air Canada uses dynamic pricing. That means prices increase and decrease based on supply and demand. When there’s a lot of demand, it’s not uncommon to see prices exceed what’s listed in the chart. That said, during low season, you might find some great deals.
Besides flights, you can also use your points on hotels, car rentals, vacation packages, merchandise and more. That said, the value of those redemptions is typically much lower than flight rewards.
Your Aeroplan points only expire if you go 18 months without any account activity.
TD Aeroplan Visa Infinite Privilege 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 $150,000 or a household income of $200,000
Although TD doesn’t specifically state what credit score you need to be approved for this card, you likely want yours to be at least 725 before applying. That’s because this is a premium credit card and having a credit score at that threshold would have you in at least very good standing.
How the TD Aeroplan Visa Infinite Privilege Card compares
The American Express Aeroplan Reserve Card is the closest comparable card to the TD Aeroplan Visa Infinite Privilege. Both have an annual fee of $599, but the Amex card has an earn rate of 3 Aeroplan points per dollar spent on Air Canada purchases. 2 points per dollar spent on dining and food delivery. And 1 point per dollar spent on all other purchases.
If most of your spending is on Air Canada, Air Canada Vacations and dining, then go with the American Express card. However, if you spend a lot on groceries, gas, and other types of travel, the TD Aeroplan Visa Infinite Privilege Card is the better choice.
Another card I like to compare is the American Express Platinum Card. Although the Platinum Card has no Air Canada benefits, you do get unlimited access to the American Express Global Lounge collection. This is relevant since Amex has more than 1,200 participating lounges. Whereas the TD Aeroplan Visa Infinite Privilege Card only gives you access to Maple Leaf Lounges located within North America. The Platinum Card also allows you to transfer your points to Aeroplan, so you can still get good value out of your points.
My TD Aeroplan Visa Infinite Privilege Card review is positive. Even though there’s an annual fee of $599, it’ll appeal to people in the following situations:
- You want to earn a lot of Aeroplan points – The welcome bonus is often worth more than 100,000 Aeroplan points, and you’ll earn points on every purchase.
- You frequently fly with Air Canada – You’ll get benefits such as free checked bags, Maple Leaf Lounge access, priority check-in and priority boarding.
- You want to extend the length of your eUpgrades – Cardholders can roll over up to 50 unused eUpgrade credits.
This card is clearly aimed at people who fly on Air Canada regularly, but it can also be appealing to those who are looking to travel for less. The welcome bonus is usually worth around 100,000 Aeroplan points. That can be enough for three to four round-trip tickets within North America. That value of those tickets would be worth much more than the annual fee.