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 mod-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 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 – First year free
- Earn 10,000 Aeroplan points after your first purchase
- Earn 20,000 additional Aeroplan points when you spend $1,000 in the first 90 days
- 20,000 Aeroplan points on your card anniversary when spending $7,500 in the first year
- 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
When considering a new credit card, the first things you should look at are the welcome bonuses and earn rate. With the TD Aeroplan Visa Infinite Card, the sign up offer is usually around 20,000 – 50,000. Let’s be clear, that’s an excellent bonus. Remember, there’s usually a first-year annual fee rebate. Plus the bonus Aeroplan points earned usually has low minimum spend requirement, so applying for this card is a no-brainer.
As for the earn rate. It’s comparable to some of the best Aeroplan credit cards. You’ll earn 1.5 Aeroplan points per $1 spent on gas, groceries, and Air Canada purchases. All other purchases get you 1 Aeroplan point per $1 spent.
Since this is a mid-tier Aeroplan card, you also get some Air Canada perks. The primary cardholder and guests travelling on the same itinerary get their first checked bag free for you and your travel companions (up to 8 people). You also get a status qualification boost and preferred pricing on redemptions with Aeroplan.
Frequent flyers will love how there’s a $100 NEXUS+ application fee rebate for the primary cardholder and additional cardholders. Trust me, the hassle of getting a NEXUS card is worth it due to the time you save at various airports.
What’s interesting about this card is that you can earn 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $10,000 of net purchases. This may not seem like a big deal, but it does help you reach Aeroplan elite status quicker.
It’s worth noting that this card does not come with access to lounges at airports. If that’s important to you, check out my list of the best credit cards with lounge access.
While some people will nitpick over the earn rate and additional benefits, this card should be used to reach your travel goals. You pretty much get an instant boost to your Aeroplan account and you’ll be earning Aeroplan points on every purchase. Essentially, this is one of the best credits for lazy people who want to travel hack.
TD Aeroplan Visa Infinite insurance
Besides the welcome bonus, earn rate, and travel benefits, the TD Aeroplan Visa Infinite Card also comes with a decent amount of insurance coverage. Honestly, this is one of the better overall insurance packages that come with any credit card. Here’s what you get.
- Travel medical – $1,00,000 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
- Common carrier travel accident – $500,000
- 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 if you’re 65 or older, you only get 4 days. Regardless of your age, you have the option to extend your coverage which is handy.
Trip cancellation has a value $1,500 per person but there’s a group limit of $5,000. With trip interruption insurance, you get a higher personal limit of $5,000 and a total of $25,000 for groups. Flight delay insurance has a maximum value of $500, but a 4 hour minimum delay is required. With flight delays, you’re entitled to compensation after 4 hours, but you need to wait at least 6 hours before you can make any claims for baggage insurance.
$65,000 for auto rental collision / loss damage is standard, but it’s lower than American Express who will cover vehicles with an MSRP of up to $85,000.
- Mobile device insurance
- Purchase security
- Extended warranty
When looking at the purchase insurance included, it’s not hard to see why my TD Aeroplan Visa Infinite review is positive. This card includes mobile device insurance which 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 monthly bill to your TD Aeroplan Visa Infinite Card for the insurance to apply.
If you didn’t know, purchase security protects you from loss, theft and damage for 90 days. The extended warranty automatically doubles your manufacturers’ 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 you need it.
How Aeroplan Works
Aeroplan is pretty straightforward, the Aeroplan points you earn can be used for flight rewards. That being said, the process of redeeming flights has been made easier since you can now redeem any seat that is free.
The number of points it takes for a free flight depends on where you’re flying to and the time of the year. Generally speaking, if you’re flying further away or during peak travel times, it’ll cost you more points.
You can also use your Aeroplan points with partner airlines as long as there is a seat available, but a small booking fee applies. Aeroplan does not charge any carrier surcharges, so there shouldn’t be any surprises when you make a redemption.
I personally value 1 Aeroplan point at 2 cents. I came to this conclusion after averaging out the cost of hundreds of flights. That means the welcome bonus could be worth at least $400 to $500 and you get a Buddy Pass. I hate to keep stressing this, but the first year is free, why wouldn’t you sign up for this card?
Besides flights, you can use your Aeroplan points for Air Canada Vacations, hotels, car rentals, gift cards, and merchandise. Becoming an Aeroplan member is free, so you should sign up. You can also earn additional points via the Aeroplan estore.
What is the Air Canada Buddy Pass?
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 compares to other cards
The TD Aeroplan Visa Infinite’s stiffest competition is likely the American Express Aeroplan Card. The Amex card gives you 2 points per $1 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 earn rate on gas and groceries. Plus, the TD card has better travel insurance.
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 obviously, it only applies to WestJet. If you fly WestJet more often than Air Canada, it probably makes more sense to get the WestJet card.
The additional Visa benefits such Visa Infinite luxury hotel collection access, Visa Infinite dining series, and Infinite concierge service are nice, but Mastercard World Elite and some American Express cards have similar benefits.
My TD Aeroplan Visa Infinite is positive. The card usually has a good welcome bonus and the earn rate is comparable to other Aeroplan cards. Honestly, with no annual fee for the first year, there’s absolutely no reason why you shouldn’t apply for this card. Heck, even after the first year, the free checked bags could more than make up for any annual fees you need to pay.