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

Jun 19, 2024Anyone seeking a credit card that earns Aeroplan points and offers luxurious travel perks will want to consider the TD Aeroplan Visa Infinite Privilege Card.
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The TD® Aeroplan® Visa Infinite Privilege* Credit Card earns Aeroplan points with accelerated rates on dollars spent with Air Canada. The metal card carries a hefty annual fee but may be worthwhile for travel lovers seeking airport lounge access and comprehensive insurance coverage.

Annual fee$599
Regular APR20.99% / 22.99%
Rewards rate1.25x-2x Points
APPLY NOW
on TD's website

TD® Aeroplan® Visa Infinite Privilege* Credit Card full review

The TD® Aeroplan® Visa Infinite Privilege* Credit Card is a travel rewards credit card that earns Aeroplan points. Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.

Benefits of the TD® Aeroplan® Visa Infinite Privilege* Credit Card

The TD® Aeroplan® Visa Infinite Privilege* Credit Card’s travel perks are its crown jewel. The card comes with unlimited Maple Leaf Lounge access across Canada and the U.S., priority boarding and baggage handling, discounted flight passes for travel companions, NEXUS rebates and more.

» MORE: Best credit cards with airport lounge access

Drawbacks of the TD® Aeroplan® Visa Infinite Privilege* Credit Card

The $599 annual fee may be a dealbreaker for those considering the TD® Aeroplan® Visa Infinite Privilege* Credit Card. Another limiting factor? The steep annual income criteria. Applicants must have a personal annual income of at least $150,000 or an annual household income of at least $200,000 to qualify.

Who should get the TD® Aeroplan® Visa Infinite Privilege* Credit Card?

Travellers and jet-setters who frequently fly with Air Canada stand to benefit most from the TD® Aeroplan® Visa Infinite Privilege* Credit Card. The card offers its highest earn rate on money spent on eligible Air Canada purchases, and some of its travel perks, like priority boarding and baggage handling, are only available on Air Canada flights.

Is the TD® Aeroplan® Visa Infinite Privilege* Credit Card worth it?

The card carries a very hefty $599 annual fee that won’t make it a good fit for many consumers, as well as high annual income requirements. However, the TD® Aeroplan® Visa Infinite Privilege* Credit Card may be worthwhile for those who frequently travel and fly Air Canada, as they will be best positioned to take advantage of this card’s numerous perks.

TD Bank customer ratings

  • Below average customer satisfaction: TD Canada Trust ranks 10th out of 13 credit card issuers in J.D. Power’s 2024 Canada Credit Card Satisfaction Study.

  • Low Trustpilot rating: 1.3 out of 5 possible stars based on over 2,200 customer reviews, as of this writing.

  • Poor Better Business Bureau rating: 1.24 out of 5 possible stars based on more than 60 customer reviews, as of this writing. 

TD® Aeroplan® Visa Infinite Privilege* Credit Card eligibility

Who qualifies for the TD® Aeroplan® Visa Infinite Privilege* Credit Card?

To qualify for the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you must:

  • Be a Canadian resident.

  • Be at least the age of majority for your province or territory.

  • Have a personal annual income of at least $150,000 or an annual household income of at least $200,000. 

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 Privilege* Credit Card rewards

Earn up to 80,000 Aeroplan points if you’re approved for the card by January 6, 2025.

  • Get 20,000 points when you make your first purchase with your new card. 

  • Get an additional 30,000 points when you spend at least $12,000 within your first six months of card membership. 

  • Get a 30,000-point anniversary bonus when you spend at least $24,000 within the first year of card membership. 

Point value breakdown

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 flights.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 Privilege* Credit Card

The application process for the TD® Aeroplan® Visa Infinite Privilege* Credit Card can be completed online by visiting TD Bank’s website:

  1. Navigate to the TD® Aeroplan® Visa Infinite Privilege* Credit Card’s page and select Apply online.

  2. Review the card’s terms and conditions and select I Agree to continue. 

  3. Enter your full name, date of birth, phone number, email address and residential address.

  4. Tell TD Bank more about your employment status and finances, including your annual income and residential status.  

  5. Review your information and submit your application.

TD® Aeroplan® Visa Infinite Privilege* Credit Card vs American Express® Aeroplan®* Reserve Card

If you want a metal credit card that earns Aeroplan points, the TD® Aeroplan® Visa Infinite Privilege* Credit Card is far from your only option. For instance, the American Express® Aeroplan®* Reserve Card charges the same annual fee ($599) and comes with comparable benefits, but it earns Aeroplan points at a higher rate.

Annual fee$599
Regular APR
20.99% / 22.99%
Rewards rate
1.25x-2x Points
Sign-up bonus
Up to 80,000 Points
Recommended credit scoreN/A
APPLY NOW
on TD's website

Annual fee$599
Regular APR
21.99% / 21.99%
Rewards rate
1.25x-3x Points
Sign-up bonus
Up to 85,000 Points
Recommended credit score660-724
APPLY NOW
on American Express' website

Reasons you might want a different card

The TD® Aeroplan® Visa Infinite Privilege* Credit Card may not be a practical fit if:

  • You don’t fly Air Canada often.

  • You want to earn a different type of reward, like cash back or Air Miles

  • You want a credit card with no annual fee, or a lower annual fee.

  • You don’t meet the high income requirements.

  • You don’t plan to spend $25,000 per year on the card, which is required to earn the annual companion pass.

TD® Aeroplan® Visa Infinite Privilege* Credit Card facts

TD® Aeroplan® Visa Infinite Privilege* Credit Card

Card type

Aeroplan credit card.

Fees and interest rates

Annual fee

$599

Regular/purchase APR

20.99%.

Penalty APR

25.99% for purchases and 27.99% for cash advances if you miss two payments within 12 months as of June 2024. This penalty APR will stay in place until you’ve made 12 consecutive payments on time.

Cash advance APR

22.99%.

Cash advance fee

$3.50 to $10 per transaction.

Balance transfer APR

22.99%.

Balance transfer fee

3% of the transaction amount.

Foreign transaction fee

2.5% of the transaction amount.

Rewards and benefits

Intro offer

Earn up to 80,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 30,000 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†. Account must be approved by January 6, 2025.

Reward earn rates

  • 2 Aeroplan points per $1 spent on eligible Air Canada purchases.

  • 1.5 Aeroplan points per $1 spent on groceries, gas, travel and restaurant purchases.

  • 1.25 Aeroplan points per $1 spent on all other purchases.

  • Earn double the Aeroplan points when you pay with your TD® Aeroplan® Visa Infinite Privilege* Credit Card and provide your Aeroplan account number when making purchases with Aeroplan partner brands and through the Aeroplan eStore.

Other perks

  • Maple Leaf Lounge access. Enjoy unlimited access to any Air Canada Cafe and Maple Leaf Lounge across Canada and the United States.

  • Priority airport services. Take advantage of priority boarding, baggage handling and upgrades when you fly.

  • Annual companion pass. Get one annual round-trip companion pass starting at $99 (plus taxes and fees) by spending $25,000 each year.

  • NEXUS rebates. Receive NEXUS application fee rebates of up to $100 once every 48 months.

  • Global airport lounge access. Get a complimentary Visa Airport Companion Program membership and receive six airport lounge passes annually.

  • Visa Infinite Dining Series. Explore exclusive gourmet dining events.

  • Visa Infinite Luxury Hotel Collection. Receive exclusive benefits when you book accommodations at a property associated with the Visa Infinite Luxury Hotel Collection.

  • Visa Infinite Screening Series. Take advantage of exclusive ticket access to advance screenings and movie events.

  • Visa Infinite Wine Country Program. Get discounts on wine, complimentary tastings, private tours and more when you visit participating wineries.

  • Troon rewards. Receive Troon Rewards Platinum Status alongside discounts on green fees, merchandise and more at Troon Rewards golf courses.

  • Canadian airport perks. Access priority security lanes, priority airport taxi and limo lanes, dedicated parking spots and up to 20% off parking when you fly through select Canadian airports, including Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport.

  • Aeroplan Family Sharing. Share Aeroplan points with up to eight family members.

  • Car rental discounts. Save a minimum of 5%-10% off base vehicle rental rates at participating Avis and Budget locations.

Insurance coverage

Travel accident

Up to $500,000.

Travel medical

Up to $5 million per insured person per trip for up to 31 days, or if you’re aged 65 or older, for up to 4 days.

Flight delay

Up to $1,000 for necessary accommodations, restaurant expenses and sundries.

Baggage delay

Up to $1,000 for essential clothing and sundry items.

Lost or stolen baggage

Up to $2,500 of coverage per insured person.

Hotel burglary

Up to $2,500 of coverage for personal items.

Rental car theft/damage

Collision/loss damage coverage for up to 48 days.

Extended warranty

Up to two additional years.

Purchase protection

120 days.

Mobile device protection

Up to $1,500 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply.

Methodology

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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.