When Air Canada acquired Aeroplan many people were excited. Yes, there would be both positive and negative changes to the program, but it’s nice to see Air Canada owning its own loyalty program again. Regardless of how Aeroplan evolves, people still want to know what the best Aeroplan credit card is?
Since TD Bank is the official credit card of Aeroplan, it should be no surprise that they have three different co-branded credit cards to choose from. From the sign up bonus to the additional benefits, read everything you need to know in my TD Aeroplan Visa Infinite Privilege review.
TD Aeroplan Visa Infinite Privilege benefits
- $399 Annual fee
- 25,000 Aeroplan miles sign up bonus after your first purchase (Until May 31, 2020)
- 5,000 Aeroplan Miles in each month of the first 3 months when you spend a minimum of $1000 per month, up to a total of 15,000 Aeroplan Miles
- Earn 1.5 Aeroplan miles per $1 spent on grocery, gas, drugstore and aircanada.com purchases
- Earn 1.25 Aeroplan mile per $1 spent on all other purchases
- Priority check-in, boarding and the first checked bag free on Air Canada flights
- Four annual passes to an Air Canada Maple Leaf Lounge when travelling on an Aeroplan reward flight
- 50% discount on companion tickets for eligible Executive Class or Executive First fare on Air Canada flights
- Priority Pass membership + 6 free annual passes
- Comprehensive travel insurance package included
- Purchase security and extended warranty protection
- Discounts at participating Avis and Budget car rental locations
As you can see, the TD Aeroplan Visa Infinite Privilege Card comes packed with benefits which is why many people consider it one of the best Aeroplan credit cards. That said, I personally don’t think it’s one of the best travel credit cards in Canada since the welcome bonus isn’t that impressive, but it’s still attractive as you’ll see below.
The current welcome offer is 25,000 Aeroplan points after your first purchase but you can earn another 15,000 miles in the first three months when you spend a minimum of $1000 per month.
The regular earn rate is 1.5 Aeroplan miles per $1 spent on grocery, gas, drugstore and aircanada.com purchases. 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.
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 makes the travel experience better. I hate how the four included Maple Leaf Lounge tickets can only be used on flights redeemed with your Aeroplan points, but as a Visa Infinite Privilege cardholder, you get a Priority Pass membership and six free annual passes.
Travel insurance, purchase security, extended warranty protection, and discounts at participating Avis and Budget car rental locations also come with this card which are nice additional benefits.
How the TD Aeroplan Visa Infinite Privilege compares to others
As weird as it sounds, the TD Aeroplan Visa Infinite Privilege Card has a similar earn rate to the TD Aeroplan Visa Infinite Card. Both cards earn you 1.5 Aeroplan miles per $1 spent on grocery, gas, drugstore and aircanada.com purchases, but the Privilege Card gives you 1.25 points per dollar spent on all other purchases as opposed to 1 point from the TD Aeroplan Visa Infinite Card.
You’ll also notice that the TD Aeroplan Visa Infinite Privilege gives you many more benefits such as the Air Canada perks and much more lounge access. The annual fee of $399 is also much higher with the Privilege card compared to $120 with the regular card.
I would argue that the American Express Platinum Business Card is also comparable since you can transfer your American Express Membership Rewards points to Aeroplan at a 1:1 ratio. With the Amex card, you get 75,000 points as a welcome bonus when you charge $7,000 to your card in the first three months. Yes, the TD Aeroplan Visa Infinite Privilege Card only requires one purchase for the bonus, but the American Express Platinum Business Card gives you 2.5X more points (75,000 vs. 30,000). That said, the earn rate on the Amex card is 1.25 points per $1 spent on all purchases; there are no multipliers for specific categories.
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 $399, the included Priority Pass membership and six free annual passes make this one of the best TD credit cards.