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The TD Aeroplan Visa Infinite Privilege Card is TD’s top tier Aeroplan Card. It comes with a higher 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 benefits

  • $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 

TD Aeroplan Visa Infinite Privilege Card 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.

The welcome bonus comes with a generous number of Aeroplan points and you also get an Air Canada Buddy Pass that can be used anywhere within North America including Hawaii and Mexico.

The regular earn rate is 2 Aeroplan points per $1 spent on Air Canada. 1.5 Aeroplan points per $1 spent on grocery, gas, 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.

What really makes this card appealing is the Air Canada benefits. Priority check-in, boarding, and your first checked bag free on Air Canada flights definitely make the travel experience better. Also, you and a guest get unlimited complimentary access to Maple Leaf Lounges and Air Canada Cafés in North America. For Priority Pass Lounge access, you only get six free annual passes.

Travel insurance, mobile device insurance, and NEXUS fee reimbursement are nice. The Purchase security covers you for 120 days, while the extended warranty doubles your manufacturer’s warranty up to 2 additional years.

Hoe 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 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 American 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.

TD Aeroplan Visa Infinite Privilege travel insurance

  • 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 – $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 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 pay outs 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, you need to charge your travel purchases to your TD Aeroplan Visa Infinite Privilege card.

How the TD Aeroplan Visa Infinite Privilege compares to others

The closest comparable card to the TD Aeroplan Visa Infinite Privilege is the new 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 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.

Final thoughts

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. Despite the annual fee of $599, the included benefits make this one of the best TD credit cards.

TD Aeroplan Visa Infinite Privilege Review
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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

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