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 specific cards benefit them.
TD has three different Aeroplan cards, but the most popular one is the TD Aeroplan Visa Infinite since it’s comparable to some of the best travel credit cards in Canada and has a reasonable annual fee (normally waived for the first year). 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 benefits
- $139 annual fee – First year free
- 10,000 Aeroplan points after your first purchase
- 10,000 additional Aeroplan points when you spend $1,000 in the first 90 days
- Air Canada Buddy Pass after you spend $1,000 in the first 90 days
- Earn 1 Aeroplan point per $1 spent on Air Canada, including Air Canada Vacations
- Earn 1.5 Aeroplan points for every $1 spent on gas, groceries or purchases
- Earn 1 Aeroplan point for every $1 spent on all other purchases
- Air Canada Travel Benefits: including eligible Free First Checked Bag (up to 8 people), Status Qualification Boost and Preferred Pricing on flight rewards
- Aeroplan Elite Status Benefits: Rollover Status Qualifying Miles, Rollover eUpgrade Credits and Priority Airport Upgrades
- Comprehensive travel insurance package
- Mobile device insurance
- Purchase security
- Extended warranty
- NEXUS+ application fee reimbursement of up to $100 for the primary cardholder and additional cardholders
The TD Aeroplan Visa Infinite comes packed with benefits and typically it has a generous sign up bonus. Right now you can earn up to 20,000 Aeroplan points and you get a Buddy Pass. This benefits people who travel with someone on a regular basis, but loyalty purists won’t like it. Regardless of what the welcome bonus is, this card is one of the best Aeroplan credit cards in Canada. Plus, the annual fee is waived for the first year.
The earn rate is 1.5 Aeroplan points per $1 spent on gas, groceries, and Air Canada purchases. All other purchases earn you 1 Aeroplan point per $1 spent.
Obviously, getting free checked bags by simply being a cardholder is a huge plus. Unfortunately, the card doesn’t come with any lounge benefits.
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 up to one additional.
The annual fee of $139 is reasonable considering the benefits but it’s usually waived for the first year. In addition, if you have an all-inclusive banking plan with TD, you can get the annual fee waived every year.
Keep in mind that to qualify for this card, you must have a minimum personal income of $60,000 or a household income of $100,000.
TD Aeroplan Visa Infinite travel insurance
- 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
As you can see the TD Aeroplan Visa Infinite travel insurance is pretty impressive. Your travel medical 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 and trip interruption are both included and give you compensation up to $1,500 per person but there’s a group limit of $5,000. 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 delayed luggage.
$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.
How Aeroplan Works
Aeroplan is pretty straightforward, the Aeroplan points you earn can be used to redeem flights. 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.
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 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.
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 additional WestJet benefits regardless if you paid cash or you used your WestJet dollars to book your flight.
My TD Aeroplan Visa Infinite is positive. The card usually has a decent welcome bonus and the earn rate is not bad. The free checked baggage is great and the annual fee is reasonable.