This offer is not available for residents of Quebec.

Quick overview

Quick overview of the TD® Aeroplan® Visa Infinite Privilege*

The TD® Aeroplan® Visa Infinite Privilege* Card has captured the attention of seasoned travelers and high-flyers across Canada. Renowned as one of the premier travel credit cards, it offers an exceptional opportunity to embark on a luxurious journey with an impressive Aeroplan® points earn rate.

Despite the "privilege" cards boasting a range of luxury travel perks, it comes with an annual fee of $599, solidifying its status as a top-tier option in the realm of travel credit cards. For those who revel in the finer aspects of travel, this fee represents a modest investment in a world of upscale travel benefits, including access to airport lounges, priority check-ins, and extensive insurance coverage. Notably, the TD® Aeroplan® Visa Infinite Privilege* Card is exquisitely crafted from metal, further underlining its prestige.

Who is the card for?

Who is the TD Aeroplan® Visa Infinite Privilege credit card* for?

For those whose heart beats for extraordinary travel experiences (and who meet the $150,000 minimum personal income eligibility criteria), the TD® Aeroplan® Visa Infinite Privilege* Card is like holding a VIP pass to a world of exquisite travel adventures.  

Pros and cons

TD® Aeroplan® Visa Infinite Privilege* Card pros and cons



  • Welcome bonus up to 85,000 Aeroplan® points (up to $2,900 in value)

  • Complimentary Maple Leaf Lounge access and six worldwide lounge visits annually

  • Priority Boarding and Baggage Handling

  • High Aeroplan® earn rates, double points on eligible Air Canada purchases

  • Extensive travel insurance benefits

  • Free checked bags on Air Canada

  • Preferred Pricing on Aeroplan® flight rewards

  • Visa Infinite Privilege* designation perks (e.g. DragonPass membership)

  • $100 CAD NEXUS credit



  • Steep annual fee of $599

  • High eligibility requirements ($150,000 personal or $200,000 household income)

  • Additional cardholder fee of $199

  • High-value rewards mainly for Air Canada flights

Welcome bonus

TD® Aeroplan® Visa Infinite Privilege* welcome bonus

The Aeroplan Visa Infinite Privileges card from TD boasts a massive $599 annual fee but provides a huge amount of value that is more than reclaiming that membership charge. And that value starts with an impressive welcome bonus.

New accounts can Earn up to $2,900 in value† including up to 85,000 Aeroplan points. Here is how the welcome offer breakdown:

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening
How to earn rewards

How to earn Aeroplan reward points with the Aeroplan® Visa Infinite* credit card

At its basic level, the TD® Aeroplan® Visa Infinite Privilege* Card earns points in the following ways:

  • 2 points per dollar on every direct purchase with Air Canada, including Air Canada Vacations®.
  • 1.5 points per dollar on gas, dining, travel, and grocery purchases.
  • 1.25 points per dollar on everything else.

When you put this card against other Aeroplan contenders, the TD® Aeroplan® Visa Infinite Privilege* card accelerates your point accumulation, especially on those everyday buys like gas and groceries.

There's a catch, though. There's a ceiling of $100,000 annually across all spending categories. Once you hit that, the earning rate takes a small dip to 1.25 points on all purchases. Yet, that base rate isn't too shabby, all things considered.

How to redeem

How to redeem Aeroplan points

To maximize your points value, it’s best to redeem points with Air Canada or on Aeroplan®’s website.

You have many options from flights, flight upgrades (think first-class), hotels, car rentals, and vacation packages. You can use a combination of points and cash to get you on the right flight with the comforts you desire (e.g. high cabin class, in-flight Wi-Fi). Note there are no cash surcharges on flight rewards with Air Canada, but there may be taxes and third-party fees (e.g. airport fees) and you can use your points to cover those.

You can book a flight reward on another airline (such as United, Lufthansa and Singapore), but there is a flat “Partner Booking Fee” of $39 per ticket (which you can pay with points).

Know that Aeroplan® doesn’t stick to a fixed dollar value in flight redemptions. Your points’ worth sways with market value, distance and demand. So if you’re looking to squeeze out every ounce of value, there’s some number crunching involved.

Alternatively, you can also donate points to a charity of your choice. For more, read the Aeroplan Points Guide.

Key benefits

Key Benefits of the TD Aeroplan Visa Infinite Privileges Card

The TD Aeroplan Visa Infinite Privileges credit card stands out in several ways, particularly due to its extensive range of Aeroplan points and benefits. You can accumulate Aeroplan points on essential everyday expenses such as gas, bills, groceries, Air Canada flights, vacations, and products. Moreover, you can combine and distribute these points among up to 8 family members using Aeroplan Family Sharing.

When you travel, you can anticipate benefits like access to Air Canada Maple Leaf Lounges, complimentary first checked bag on Air Canada flights for the primary cardholder, additional cardholders, and up to eight travel companions, a round-trip companion pass from $99 each year, and more.

Finally, the Visa Infinite Privileges version of the TD Aeroplan credit card gives you peace of mind with insurance coverage for just about every travel-related accident, including travel cancellations and interruptions, lost or damaged baggage, flight delays, emergency travel medical expenses, and more.

Insurance coverage

TD Aeroplan Visa Infinite Privileges credit card insurance coverage

  • Travel medical coverage: Up to $5 million for the first 31 days of your trip (four days if you’re over 65)
  • Travel accident insurance: Up to $500,000
  • Comprehensive travel insurance, including emergency medical coverage up to $5 million and travel accident insurance up to $500,000.
  • Trip cancellation insurance: $2,500
  • Trip interruption insurance: $5,000
  • Flight delay insurance: $1,000
  • Baggage delay insurance: $1,000
  • Lost or stolen baggage insurance: $2,500
  • Rental car insurance against theft and damages up to $85,000 for 48 consecutive days (Plus save 10% when you rent with Avis or Budget)
  • Double the manufacturer’s warranty period on eligible purchases, up to 24 months in total.
  • Emergency cash advances up to $5,000.
  • Purchase protection: Protection against damage or theft on eligible items purchased with your card for up to 120 days.
  • Hotel burglary insurance up to $2,500 for eligible personal items stolen belonging to the primary cardholder or eligible family members traveling with them.
Extra benefits

Extra Benefits of the Aeroplan Visa Infinite credit card from TD

Here are the other excellent travel and lifestyle benefits for frequent flyers that come with the TD® Aeroplan® Visa Infinite Privileges Card:

Aeroplan Benefits

  • After spending $25,000, you unlock a round-trip companion pass for only $99.
  • Get priority check-in, boarding, baggage handling and airport standby for you and up to eight companions.
  • Earn 1,000 Status Qualifying Miles and one Status Qualifying Segment towards Aeroplan Elite Status for every $5,000 spent (minus any returns/credits).
  • Comprehensive travel insurance, including emergency medical coverage up to $5 million and travel accident insurance up to $500,000.
  • Unlock an annual worldwide companion pass from $99 after spending $25,000 or more on net purchases.
  • Link your Aeroplan card with Uber and Uber Eats accounts and earn one point per $1 spent on eligible rides and food orders.
  • Enjoy 50% more points—and 50% more Starbucks Rewards—at participating Starbucks locations when reloading your card.
  • Earn one point for every $4 spent plus bonus points at the LCBO at checkout or online through the LCBO mobile app.

Other Benefits

  • Access to the complimentary Visa Infinite Concierge, available 24/7.
  • Save a minimum of 10% on car rentals in the U.S. and Canada through Avis and Budget.
  • Receive instant fraud alerts via mobile with TD Fraud Alerts.
  • Visa Infinite Luxury Hotel Collection†: Book through the Visa Infinite Luxury Hotel Collection and receive seven exclusive benefits, with an additional eighth benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
  • Get gas discounts at Ultramar, Chevron and Pioneer.
  • Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
  • Chip and pin technology for an added layer of security.
What people say

What people are saying about the TD® Aeroplan® Visa Infinite Privilege* card

The most common question asked is if this card is worth the $599 annual fee. Reddit user, Limp-toe-179, says it’s the Visa equivalent to the Amex Platinum, so if you have a good sign up bonus, consistently fly Air Canada and appreciate lounge access and insurance perks, this card could be right for you.

However, Redditor “deltatix” says at this tier level, the Amex Aeroplan® Reserve card may make more sense. It’s no longer about pure earnings, but more so the special privileges and premium lounge access. Keep in mind, you can do a 1:1 transfer of AMEX MR points to Aeroplan.

Finally, Reddit user "heatfromfirefromheat" offers a recommendation of the HSBC World Elite Mastercard. This card has no foreign exchange fees, unlimited lounge passes with DragonPass and much less expensive. Qualifying for this card, though, requires you to be a HSBC premier/private banking client.

How it compares

How the TD® Aeroplan® Visa Infinite Privilege* compares

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

The TD® Aeroplan® Visa Infinite Privilege* and the American Express® Aeroplan® Reserve cards are tailored for the frequent flyer, with a tilt towards Air Canada loyalists. Both cards have a hefty annual fee of $599, which they attempt to justify with a suite of travel-oriented perks.

When it comes to cozy travel experiences, both cards extend priority services like early boarding and baggage handling on Air Canada flights, alongside Maple Leaf Lounge access. Yet, the Amex card takes the luxury a notch higher with unlimited Priority Pass lounge access (subject to a usage fee), compared to the TD card's six passes.

Additionally, the card gives you a $100 NEXUS fee rebate and an annual worldwide companion pass after a $25,000 annual spend, though TD charges you $99 for it.

TD® Aeroplan® Visa Infinite Privilege* vs. American Express® Amex® Platinum

The TD® Aeroplan® Visa Infinite Privilege* and American Express® Amex® Platinum cater to different audiences: the former to Aeroplan® members and frequent Air Canada flyers with perks like priority boarding. At the same time, the latter appeals to broader travel enthusiasts with extensive lounge access and hotel upgrades. TD's card excels in earning Aeroplan® points on Air Canada purchases, whereas Amex®'s card shines with a generous welcome bonus, a $200 annual travel credit, and global luxury travel benefits. Both cards provide robust insurance, but Amex has a slight advantage with more comprehensive coverage, mirroring its broader travel benefits approach compared to TD's brand-specific focus.

The Amex Platinum has an annual fee of $799, but its $200 annual travel credit and $200 annual dining credit brings it down to $399. Both cards offer welcome bonuses that require a card renewal to unlock fully.

If luxury perks like hotel upgrades (e.g., room upgrades, daily breakfast, late checkout, etc.) at Hilton, Marriott, and Radisson are what you desire most, the Amex® wins. The Priority Pass membership has unlimited free entries, nearly $600 CAD in value, and you can bring a guest at no extra charge.

Is it worth it?

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

The TD® Aeroplan® Visa Infinite Privilege* Card is a luxury, travel-focused card designed for high-income individuals. With its impressive welcome bonus, comprehensive travel benefits, and premium perks, it offers undeniable value for those who can leverage its features.

While the annual fee is steep, frequent travelers can easily offset this cost through the card's rich rewards structure and additional travel benefits. In short, if you're looking for a card that can provide luxury travel experiences and a high points earn rate, this may be the card for you.

Eligibility requirements

Eligibility requirements of the TD® Aeroplan® Visa Infinite Preferred card

Barry Choi Moneywise Contributor

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.


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