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TD Aeroplan Visa Infinite Card Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet Rating

NerdWallet CA

Best for travellers who fly Air Canada and want to earn points on groceries and gas.

Frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this travel rewards credit card. Learn more about how we evaluate cards .

The TD Aeroplan Visa Infinite Card is a travel rewards credit card that earns Aeroplan points from Air Canada’s loyalty program. Cardholders earn one Aeroplan point per dollar spent, with accelerated earning rates on eligible grocery stores, gas stations and Air Canada purchases.

TD® Aeroplan® Visa Infinite* Card

• Annual Fee $139 To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1x-1.5x Points Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Intro Offer Up to 40,000 Points Earn up to 40,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†. Account must be approved by January 6, 2025.
• Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 2025.
• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
• Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
• To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 6, 2025.
• Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
• Earn 1 point† for every $1 spent on all other Purchases made with your Card.
• Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
• Full review
• Customer ratings
• Eligibility
• How to apply

TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card

• Rating methodology

TD Aeroplan Visa Infinite Card full review

The TD Aeroplan Visa Infinite Card is one of four TD Bank credit cards that earn Aeroplan points. You can redeem your points for flights, hotel stays, car rentals, merchandise, gift cards and more.

Benefits of the TD Aeroplan Visa Infinite Card

• Robust travel insurance offerings. 
• One free checked bag per person on Air Canada flights. 
• NEXUS fee rebates of up to $100 every 48 months. 
• Access to the Visa Infinite program, which offers a 24/7 concierge and gourmet food and wine event opportunities, and more.

Drawbacks of the TD Aeroplan Visa Infinite Card

• Annual fee for average perks. While this card’s $139 annual fee is on par with other rewards cards, it’s possible to get a credit card without a yearly fee . 
• Minimum annual income requirements, which may exclude some applicants.
• No airport lounge access. 

Who should get the TD Aeroplan Visa Infinite Card?

The TD Aeroplan Visa Infinite earns Aeroplan points and offers its highest earn rate on groceries, gas and Air Canada purchases. With that in mind, frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this credit card’s travel rewards program.

Is TD Aeroplan Visa Infinite Card worth it?

Whether the TD Aeroplan Visa Infinite Card is worth it comes down to your spending habits. One Aeroplan point has an average value of 2.23 cents, according to NerdWallet’s analysis. So, you’d need to earn at least 6,233 Aeroplan points to recoup the card’s annual fee of $139.

TD Bank customer ratings

• Low in customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study [1] .
• Low Trustpilot rating: TD Bank scored 1.3 out of 5 possible stars based on over 2,100 customer reviews, as of this writing.
• Low Better Business Bureau customer rating: TD Bank scored 1.1 out of 5 possible stars based on over 280 customer reviews, as of this writing. 

TD Aeroplan Visa Infinite Card eligibility

Who qualifies for the td aeroplan visa infinite card.

You must be a Canadian resident and at least the age of majority for your province or territory to be eligible for the TD Aeroplan Visa Infinite Card. You’ll also need to meet the following income requirements:

• A minimum annual income of $60,000 for an individual, or; 
• $100,000 for a household.

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores , which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for. Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

TD Aeroplan Visa Infinite Card rewards

Earn up to 40,000 Aeroplan points. Conditions apply. Account must be approved by January 6, 2025.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card. 
• Earn 15,000 points when you spend $7,500 within 180 days of account opening. 
• Earn a one-time anniversary bonus of 15,000 points when you spend $12,000 within 12 months of account opening.
• 1.5 points for every $1 spent on groceries, gas and Air Canada purchases, like flights.
• 1 point for every $1 spent on all other purchases.
• Twice the points when you use the card at eligible retailers and provide your Aeroplan number. 
• 50% more points at Starbucks when you link your card to a Starbucks account.  

According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. So, the 40,000 Aeroplan points may be worth a little under $892 on average, depending on how the points are redeemed.

A quick caveat: You don’t receive any bonus points until you start spending with the card. You’ll earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase; 15,000 points when you spend $7,500 within 180 days of account opening; plus, an anniversary bonus of 15,000 points when you spend $12,000 within 12 months of account opening.

You also get NEXUS application fee rebates of up to $100 every 48 months with the TD Aeroplan Visa Infinite.

And, you (plus up to eight companions) get one complimentary checked bag per traveller on Air Canada flights, which could save you upwards of $60 on an economy round trip ticket across Canada, the US and the Caribbean. Plus, the travel insurance that comes with the TD Aeroplan Visa Infinite could be worth thousands, should you ever need to put it to use.

Point value breakdown

NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights. Based on our analysis, the average value of 1 Aeroplan point is worth 2.23 cents.

More specifically, you can expect to get around:

• 1.69 cents in value per Aeroplan point for economy class awards on Air Canada, and
• 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.

How to apply for the TD Aeroplan Visa Infinite Card

You can complete the TD Aeroplan Visa Infinite Card application from TD Bank’s website:

• Select the Apply Online button from the TD Aeroplan Visa Infinite Card’s page on TD Bank’s website.
• Select your province of residence.
• Review the card’s terms and conditions and select I Agree to continue.
• Enter your personal details, including your full name, date of birth, phone number, email address and residential address.
• Tell TD Bank about your employment status.
• Tell TD Bank about your finances, including your annual personal income, household income, residential status and mortgage or rent payments.
• Review the information you’ve submitted and select your preferred credit limit.
• Add personal information for any additional cardholders you’d like to add to the account.
• Review the card’s insurance coverage and terms and conditions.
• Submit your application.

Both of these travel cards earn rewards, but their rewards programs differ.

Reasons you might want a different card

The TD Aeroplan Visa Infinite Card has plenty to offer, but it may not be the right choice for you if:

• You don’t want a credit card with an annual fee.
• You don’t travel with Air Canada very often.
• You don’t meet the minimum income requirements.
• You want airport lounge access or other travel perks the TD Aeroplan Visa Infinite Card doesn’t offer.
• You’d prefer to earn a different reward, like cash back.

If you bank with TD and are looking for a credit card, you can review the credit card types, rewards and perks that come with other TD Bank credit cards. If you are specifically interested in a travel card that includes lounge access, you can review NerdWallet’s list of the best credit cards that offer lounge access .

TD Aeroplan Visa Infinite Card facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

Frequently asked questions about TD Aeroplan Visa Infinite Card

No, there is currently no airport lounge access with this card.

Visa Infinite Privilege cards tend to come with more perks and higher rewards earn rates than Visa Infinite cards. But with those benefits comes steeper annual fees and income requirements.

Interested in a Visa Infinite Privilege card? Check out our full review of the TD Aeroplan Visa Infinite Privilege for more information.

Article Sources

• J.D. Power , “ J.D. Power 2023 Canada Credit Card Satisfaction Study ,” accessed October 12, 2023.

About the Authors

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

Georgia Rose is a lead writer on the international team at NerdWallet. Her work has been featured in The Washington Post, The New York Times, The Independent and The Associated…

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• TD® Aeroplan® Visa Infinite Privilege* Review

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

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TD Aeroplan Visa Infinite Privilege Review 2024: A Travel Card With Tons Of Additional Benefits

Updated: Jul 23, 2024, 5:33am

Fact Checked

The TD® Aeroplan® Visa Infinite Privilege* card is a top-of-the-line travel credit card. With some of the highest earning potential among comparable cards, and a bevy of additional benefits, including comprehensive travel insurance, this card can be well worth its staggering annual fee.

That said, people who don’t require the additional travel insurance benefits can likely find comparable cards with much lower annual fees, and higher net earnings. But, as it stands, this card is ideal for frequent flyers seeking extensive additional rewards.

• Extensive travel insurance benefits
• High Aeroplan earn rates
• Earns double the Aeroplan points on eligible Air Canada purchases (including Air Canada Vacations®)
• $599 annual fee
• $150,000 minimum personal income requirement
• $199 additional cardholder fee

Table of Contents

Introduction, quick facts, td aeroplan visa infinite privilege rewards, td aeroplan visa infinite privilege benefits, eligibility, how to apply for the td aeroplan visa infinite privilege card, ways to access your td credit card account, ways to pay with your td aeroplan visa infinite privilege card, how the td aeroplan visa infinite privilege stacks up, methodology, is the td aeroplan visa infinite privilege card right for you, advertiser’s disclosure, featured partner offers.

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (Get an annual fee rebate available in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

Up to $500 in value†, including up to 20,000 TD Rewards Points†

$89 (rebated the first year)†

TD® Aeroplan® Visa Infinite Privilege* Card

Up to $2,900 in value† including up to 80,000 Aeroplan points†

High-end perks while collecting Aeroplan points? Sign up for the TD Aeroplan Visa Infinite Privilege

• Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
• Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
• Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
• Enroll for NEXUS and once every 48 months get an application fee rebate†.
• Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
• Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
• This offer is not available to residents of Quebec.
• †Terms and conditions apply.

The TD Aeroplan Visa Infinite Privilege card offers a wide array of benefits out of the many Aeroplan cards on the market. In addition to a generous welcome bonus, the card has commendable earning potential. Every $1 spent earns 1.5 points on common purchases, namely gas, groceries, travel and dining. With groceries being at peak prices due to inflation, you can expect to earn more points in this economic climate.

Though the $599 fee is high, cardholders have access to many travel-enhancing benefits including complete travel insurance (medical, flight cancellation, baggage, etc.) and up to 28 days of auto rental collision coverage. Cardholders that spend $25,000 annually can purchase a companion pass for their travel partner starting at $99. Perks like these make the higher than average annual fee worth the cost.

• Each dollar spent earns 2 points on Air Canada specific purchases, 1.5 points on gas, dining, travel and grocery purchases and 1.25 points on all other purchases.
• Redeem points for vacations, merchandise, gift cards, hotels and activities.
• Earn double the Aeroplan points by purchasing items with your card and presenting your Aeroplan member number to Aeroplan partner brands—or online through the Aeroplan eStore.

Earning rewards

The TD Aeroplan Visa Infinite Privilege card has robust earning potential with Air Canada direct purchases earning 2 points per dollar; gas, dining, groceries and travel purchases earning 1.5 points; and all other purchases earning 1.25 points per dollar. Compared to other Aeroplan cards, users can expect to earn points at a much faster rate as few other cards have staple purchases (for example, groceries ) at a mid-tier earn rate.

Keep in mind that there is a purchasing cap of $100,000 annually across all categories. Once that limit is reached, all purchases will only earn 1.25 points. Still, a solid base rate.

Plus, there are ways to earn even more points even faster by adding up to three additional cardholders without paying an annual fee. They may receive many of the same benefits you will as the primary cardholder, including purchase security and extended warranty protection, visa zero liability, travel medical insurance, trip cancellation/trip interruption insurance, delayed and lost baggage insurance, mobile device insurance, hotel/motel burglary insurance and even a TD Auto Club Membership. You can also earn extra points at a rate of 1.25 per dollar by setting up recurring bill payments.

If you really want to see how many points you can earn in the first year, TD helps you out with a points calculator where you can use a slider to figure out how much you spend annually in the various purchase categories with accelerated earn rates each month on top of the welcome bonus of 20,000 provided you meet all the spending requirements.

In addition to rewards, cardholders will earn 1,000 Status Qualifying Miles (SQM) and one Status Qualifying Segment (SQS) for every $5,000 charged to the card in net purchases made by the primary or additional cardholders, which earns the primary cardholder additional benefits on Air Canada flights when they reach Elite Status.

Redeeming Rewards

Cardholders can redeem their points on the Air Canada or Aeroplan websites. Options for redemption include flights, flight upgrades, hotels , car rentals, vacation packages or merchandise. Users can also donate their points to a charity of their choice.

The Aeroplan program in general offers decent flexibility when it comes to redeeming points, since users can also use a combination of points and cash.

It is worth noting that Aeroplan points do not necessarily have a fixed dollar value when redeeming them for flights. The value of your points for a flight booking depends on multiple factors such as market value, distance and demand. Cardholders looking to make strategic redemption choices will need to pull out a calculator—for better or worse.

Your points can take you many different places. Air Canada will fly you to over 200 destinations and to over 1,300, together with over 30 airline partners. The Aeroplan homepage also has a points predictor tool where you can see exactly what your points will earn you. Plus, if you’re the primary cardholder, it will take fewer Aeroplan points to get to your destination when you book through aircanada.com.

Related: How I Use Aeroplan Points To Minimize My Trip Costs

Rewards Potential

With a $599 annual fee—one of the highest on the Aeroplan card market—one would expect high rewards potential. Based on average Canadian spending, Forbes Advisor estimates cardholders earning a total of $377.71 after subtracting the annual fee. Compared to lower-cost cards, such as the TD Aeroplan Visa Platinum card with an approximate return of $360.80, cardholders should not expect this credit card to have the highest net earning potential among competitors. That said, it’s based on average annual spending, so big spenders might find more rewards value overall.

However, though the card may have moderate rewards potential, its extra benefits, such as travel insurance and priority perks, solidify its place as a high-value card to have for Canadian flyers.

Card Benefits

• Earn a $99 (minimum fee) round-trip companion pass by spending $25,000 annually.
• Access to priority check-in, boarding, baggage handling and airport standby for the cardholder and up to eight companions.
• Full suite travel insurance, including medical coverage up to $5 million for the first 31 days of a trip.

Air Canada Travel Benefits

• Annual Worldwide Companion Pass. As the Primary Cardholder,. you get a companion pass automatically on your Card anniversary if you have spent $25,000 on net purchases and you can buy a companion ticket on flights for $99 on an annual round-trip.
• Priority check-in. You and up to eight travelling companions will receive priority check-in for any trip originating on an Air Canada flight.
• Priority boarding. You get on your flight first every time.
• Priority stand-by. If your put on stand-by, you’ll be the first to be called when seats become available.
• Priority baggage handling.  You and up to eight travelling companions will see your bags among the first on the carousel at baggage claim.
• Priority upgrades.  Be the first to be called upon for upgrades.
• Maintain Aeroplan Elite Status more easily. Primary cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year towards the next qualifying status the next year.
• Enjoy eUpgrades longer.  Primary cardholders that will get Aeroplan Elite Status just by virtue of having this card will also be able to roll over up to 50 Air Canada eUpgrades into the next status year. However, to qualify, you must be approved for the card by December 15th of the current calendar year.
• Complimentary upgrade to Avis President’s Club.  Get two car-class upgrades, a dedicated phone line, expedited service and more just because of this included Avis President’s Club upgrade.

Exclusive Benefits

• Complimentary Visa Infinite Concierge.  Available 24/7, wherever you are with your card, the concierge can fulfill nearly any request, including making hard-to-get reservations, booking tickets, reserving car rentals and more.
• Global Airport Lounge Access.  A complimentary membership in the Visa Airport Companion Program by DragonPass, which entitles each cardholder to six free visits to over 1,200 airport lounges worldwide per year.
• Visa Infinite Privilege Airport Benefits. Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport, including priority security lanes at domestic and international terminals, priority airport limo and airport taxi lane and 20% off parking.
• Access to exclusive dining events.  These events are hosted by reputable chefs and come with notable wine pairings.
• Seven exclusive hotel benefits. These include late checkout, free Wi-Fi, room upgrades and more when you book through Visa’s Luxury Hotel Collection.
• Access to special events, screenings, wine tastings and golf courses and lessons.  These are from the Visa Infinite Screening Series, the Visa Infinite Wine Country Program and platinum status with Troon Rewards at golf courses around the world.
•  Visa RSVP Rewards Benefit . Enroll  a nd automatically receive Diamond status delivering benefits at over 60 participating Sandman, Sandman Signature and Sutton Place Hotels across Canada and internationally.

Travel Benefits

• Travel medical insurance.  $5 million coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip. Plus, additional top-up coverage is available if you need it.
• Trip cancellation/interruption. Up to $2,500 per person to a combined maximum of $5,000.
• Flight/Trip delay insurance.  Up to $1,000 in coverage when your flight is delayed up to four hours.
• Delayed and Lost Baggage Insurance . Up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries, when your flight is delayed up to four hours. Up to $2,500 in coverage per person for lost baggage.
• Common Carrier Travel Accident Insurance.  Up to $500,000 in coverage for covered losses on common carriers, such as a plane, bus, train, ferry or vehicle rental.
• Auto Rental Collision/Loss Damage Insurance.  Up to 48 consecutive days of coverage.
• Emergency Travel Assistance Services.  A toll-free contact number for  personal emergency help when travelling.
• NEXUS application fee rebate.  An application fee rebate up to $100 every 48 months for priority and expedited passage across the U.S.-Canada border.
• Hotel/Motel burglary insurance. Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel/motel room that belong to the Cardholder or eligible family members travelling with them.

Partner Benefits

• Avis Rent A Car or Budget Rent A Car. Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
• Rocky Mountaineer. Earn 2 Aeroplan points for every dollar spent on eligible purchases with Rocky Mountaineer.
• Starbucks. Earn 50% more Aeroplan points and 50% more Starbucks Rewards Stars at participating Starbucks stores. Simply link your card to your Starbucks® Rewards account. Conditions apply.

Security Benefits

• Chip & PIN technology. Prevents unauthorized use of the card.
• TD Fraud Alerts. You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your card or the card of any additional cardholder
• Visa Secure.  Extra convivence and security when you shop online.
• Cash Advances. You can ask for an emergency cash advance in an amount up to $5,000 (subject to your credit limit).
• Mobile device insurance. Up to $1,500 of coverage in the event of loss, theft, accidental damage or mechanical breakdown for eligible mobile devices.
• Purchase Protection and Extended Warranty.  Get purchase protection if your purchase is lost, stolen or damaged within 120 days of buying it and if there’s a one-year warranty on the product, it will be doubled up to 24 months.
• Manage your card from the TD app. Lock your card and restrict international purchases from the TD app.

Optional Benefits

• Optional TD Auto Club Membership.  Chose from deluxe, standard and business TD Auto Club memberships, which includes 24/7 emergency roadside and towing assistance. Depending on the level chosen, you may receive meals and accommodations or not and towing distance restrictions or not.
• Optional TD Credit Card Payment Protection Plan. The optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations when you lose your job, become disabled, or die.

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 22.99%
• Balance Transfer fee: 3%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $599
• Any other fees: $199 to add an additional cardholder

To be eligible for the TD Aeroplan Visa Infinite Privilege, you need to fulfill the following requirements.

• You are a Canadian resident and are of the age of majority in your province/territory of residence.
• Have $150,000 annual personal income or $200,000 annual household income.
• Have a valid email address for digital transactions.
• You can be approved for a credit limit of at least $10,000.

If you are looking to apply for the TD Aeroplan Visa Infinite Privilege Card, follow the steps below once you navigate to the TD Bank website.

• Make sure you fulfill all eligibility requirements.
• Click “Apply” on the TD Aeroplan Infinite Privilege landing page.
• Review the terms and conditions and click “I Agree” to continue.
• Enter your full name, date of birth, phone number, email address and residential address.
• Fill out your employment status, annual income and confirm your residential status
• Review your information and submit your application.

There are several ways to access your TD credit account with the following services:

• EasyWeb (TD’s online banking interface)
• EasyLine (TD’s telephone banking interface)

There are several payment options that are built into the TD Aeroplan Visa Infinite Privilege Card that you can take advantage of.

• Set up regularly recurring bill payments on your account. Save time and avoid late fees by ensuring bills will always be paid on time automatically. Plus, earn 1.25 Aeroplan points for every dollar on regularly recurring bill payments on your account.
• Apple Pay. If you have an iPhone, just a tap of your device to make a payment at participating merchants.
• Samsung Pay. If you have a Samsung Galaxy phone, just a tap of your device to make a payment at compatible merchants.
• Google Pay. If you have an Android phone, make everyday purchases by just tapping your device at merchants that have Google Pay advertised.
• Add your Card as the primary card on your favourite apps. From food delivery to transportation apps, earn Aeroplan points on purchases made through those apps on your phone.

TD Aeroplan Visa Infinite Privilege vs. American Express Aeroplan Card

Both of these cards are travel-specific cards and carry similar earning potential: both cards earn two times the points on Air Canada purchases and 1.5 points per dollar for dining. Visa’s card comes ahead in terms of earnings, as its lowest base rate is 1.25 points compared to Amex’s 1 point.

Conversely, the American Express Aeroplan Card® carries a much lower annual fee of $120—while still offering various types of travel insurance. However, the TD Aeroplan Visa Infinite Privilege comes with more robust coverage, making the higher annual fee an investment with solid returns—so long as they are utilized.

TD Aeroplan Visa Infinite Privilege vs. CIBC Aeroplan Visa Infinite Privilege Card

As both of these cards come with identical benefits through the Visa Infinite Privilege program, this comparison comes down to the wire. Both cards carry a high $599 annual fee, but CIBC’s can have $139 of it rebated every year—so long as you open a CIBC Smart Plus Account.

Both cards have identical earning potential across tiers and categories (e.g. both offer 1.5 points for grocery spending), but TD’s Visa card comes with a higher welcome bonus amount. New customers can earn up to 85,000 Aeroplan points† in the first year. CIBC on the other hand, is currently offering up to 80,000 Aeroplan points in the first year.

Taking into account the fact that both have identical earnings but dissimilar welcome offers, rebate options and that TD’s equivalent has less stringent credit rating requirements, we think TD’s offering comes out slightly ahead.

TD Aeroplan Visa Infinite Privilege vs. TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite* card is TD’s travel card for those that don’t meet the stringent income requirements for the Visa Infinite Privilege. It comes with a much lower fee of $139 per year, but has limited earning potential: the top-tier earnings are 1.5 points per dollar compared to 2, and a base rate of 1 points per dollar compared to 1.25. Moreover, the lower-tier card carries less travel benefits coverage (for example, $2 million medical insurance vs. $5 million). Another major difference is the lack of worldwide companion pass for $99 and up—that’s savings TD Aeroplan Visa Infinite cardholders are missing out on.

Setting aside the travel coverage and other benefits, if you’re simply looking for a card with a high net-earning potential without bells and whistles, TD’s Aeroplan Visa Infinite card is a good match.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

TD’s premium Visa travel card comes with substantial travel benefits for frequent flyers, but at a steep price. Its earning potential is high compared to competitors, but the price tag warrants use of the card’s additional benefits (e.g. travel insurance, companion pass) to increase its rate of return relative to costs. Consumers looking to earn Aeroplan points at a similar rate without the extra bells and whistles that accompany a high fee, will find other less-expensive cards more useful.

Related : Find the Best Credit Card for Canadians

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Frequently asked questions (faqs), is the td aeroplan visa infinite privilege card worth it.

For some. If you’re a low spender who doesn’t travel often, I’d probably skip this card. However, it’s a must-have for frequent flyers. To make the best use of the card given its high fees, it’s best to utilize its many travel benefits, such as travel insurance, rental car insurance and the like.

Do you get lounge access with the TD Aeroplan Visa Infinite Privilege?

Yes. Cardholders have free access to Air Canada’s Maple Leaf Lounge. The primary cardholder also receives a complimentary membership to the Visa Airport Companion Program, allowing them to take six complimentary lounge visits—per year—at select airports†

What is the income requirement for the TD Aeroplan Visa Infinite Privilege?

The income requirements are $150,000 annual personal income or $200,000 annual household income, respectively.

*Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

† Terms and Conditions Apply

Brett Surbey is a corporate paralegal and writer based out of Alberta. His work has appeared in Publishers Weekly, Thrive Insider, and various academic journals. He lives with his wife and two children.

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.

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