Are you ready for a TD Aeroplan Visa Infinite Privilege review? The card is TD’s top tier Aeroplan Card and won’t disappoint. It comes with a high earn rate and additional benefits, but it also has a high annual fee of $599. The welcome bonus includes an Air Canada Buddy Pass, which can be worth hundreds of dollars, but not everyone will find it useful.
Travellers who fly Air Canada on a regular basis will likely love the new benefits that come with the card since it includes free checked bags and 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 8,500 Aeroplan points when you spend $1,000 each month, for 10 months (85,000 points total)
- 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
TD Aeroplan Visa Infinite Privilege Card is TD’s premium Aeroplan card. It comes packed with benefits 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 personally think it’s a great card for frequent Air Canada flyers since you get so many rewards.
The welcome bonus points are quite attractive and are currently worth up to 105,000 Aeroplan points. That’s comparable to other premium Aeroplan credit cards, but you only get 90 days from account opening to meet the spend amount. As part of your sign up offer, you’ll usually also get an Air Canada Buddy Pass that can be used anywhere within North America including Hawaii and Mexico. This is a very valuable bonus since the travelling companion only has to pay taxes and fees. There are no blackout dates with the Buddy Pass, so you can get a lot of value out of it.
What really makes this card appealing is the Air Canada benefits. Priority check-in, priority boarding, priority baggage handling, and your free first checked bag on Air Canada flights definitely make the travel experience better. Also, you and a guest get unlimited complimentary access to Maple Leaf Lounges (airport lounges) and Air Canada Cafés in North America. A Priority Pass membership is also included, but you only get6 free annual lounge passes. These passes should be used whenever there’s no Maple Leaf Lounge available to you.
The regular earn rate is 2 Aeroplan points per $1 spent on Air Canada. 1.5 Aeroplan points per $1 spent on grocery, gas stations, travel, and dining. All other purchases earn you 1.25 miles per $1 spent. That’s a respectable rate, but some people consider it a bit low considering the annual fee of $599.
One nice travel benefit included is the NEXUS fee reimbursement. Some people may not bother getting a NEXUS membership, but I find it very useful. It’s not only good for U.S. travel, but it’s great when you return home from an international trip and you can use the NEXUS kiosk to quickly clear customs.
For those who value Aeroplan Elite Status, the primary cardholder will earn 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases.
Since this card never offers the first year free or application fee rebates for the annual fee, there’s no point in waiting for a better deal. But even at $599 a year, the perks are clearly worth it.
TD Aeroplan Visa Infinite Privilege insurance
In this TD Aeroplan Visa Infinite Privilege review, I’m going to go over the included insurance. As a premium credit card, you would expect there to be a decent amount of insurance. Fortunately, this card does not disappoint.
- 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
As a top premium travel card, the TD Aeroplan Visa Infinite Privilege travel insurance coverage doesn’t disappoint. The only thing I would criticize is the travel medical insurance for those aged 65+ since it only covers 4 days.
The individual payouts are quite 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, but with the extended travel insurance, such as trip interruption insurance, and baggage insurance, you need to charge your travel purchases to your TD Aeroplan Visa Infinite Privilege card.
Overall, you’re getting a comprehensive travel insurance package with this card.
- Mobile device insurance
- Purchase security
- Extended warranty
The TD Aeroplan Visa Infinite Privilege card comes with $1,500 in mobile device insurance. Most credit cards in Canada with mobile device insurance only cover you up to $1,000, so this card gives you more.
Purchase security, sometimes known as loss damage insurance, is a benefit that you likely won’t use, but if you ever need it, you’ll be glad you have it. Basically, 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.
How Aeroplan works
The Aeroplan program is easily one of the most popular travel rewards programs in Canada since you can claim flight rewards on Air Canada and its partner airlines. Basically, as you accumulate points, you can redeem them for different categories such as flights, car rentals, merchandise, gift cards, and more.
Most people will pick flights as their redemption since it gives them the most value for their points. That said, the number of points required for a free flight can vary quite a bit since Air Canada uses dynamic pricing and zone/distance chart for Air Canada redemption flights. However, Aeroplan partners have a fixed points redemption schedule, so there is value there.
When applying for your new credit card account, you need to add your Aeroplan number. If you don’t have one already, TD will set up an Aeroplan account for you. Adding additional cardholders can help you earn more points.
Besides getting free flights, what makes Aeroplan appealing is that it’s easy to earn points. You earn points when flying, with your credit card, through the Aeroplan estore, at participating merchants and online retailers.
How the Air Canada Buddy Pass works
The Air Canada Buddy Pass is a new benefit that comes as part of the welcome bonus for many Aeroplan credits cards. Basically, when the first passenger pays the full fare, they can purchase a second ticket for the same itinerary where you would only have to pay the taxes and third-party fees. There is a base fare of $0. It’s valid for travel anywhere within North America including Hawaii and Mexico with no blackout dates. The Air Canada Buddy Pass can easily save you hundreds of dollars. You can read more about the Air Canada Buddy Pass here.
How the TD Aeroplan Visa Infinite Privilege compares to others
The closest comparable card to the TD Aeroplan Visa Infinite Privilege is the American Express Aeroplan Reserve Card. Both have an annual fee of $599, but the Amex card has an earn rate of 3 Aeroplan points per $1 spent on Air Canada purchases. 2 points per $1 spent on dining and food delivery. And, 1 point per $1 spent on all other purchases.
If most of your spending is on Air Canada, Air Canada Vacations and dining, then go with the Amex 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.
It’s also worth noting that the Amex card does not come with any free lounge passes to Priority Pass lounges and the travel insurance with the TD Aeroplan Visa Infinite Privilege card is better. However, the Amex card has no income requirement, so you can get a premium travel credit card even if you don’t make a ton of cash.
My TD Aeroplan Visa Infinite Privilege review is positive. This card is clearly aimed at people who fly on Air Canada on a regular basis. Even though there’s no annual fee rebate, the $599 is reasonable for the benefits included. The welcome bonuses have been pretty good as of late, so it’s a great card if you’re looking to earn a lot of Aeroplan points fast. If you find the fee to be too high, consider the TD Aeroplan Visa Infinite Card, but understand you’ll get fewer benefits such as no access to Air Canada Maple Leaf Lounges.
If you do decide to apply for a new card, keep in mind this is a Visa Infinite Privilege Card, so it requires a minimum of $150,000 annual personal income or $200,000 annual household income to qualify. You also need to be a Canadian resident with a credit score in good standing.