TD® Aeroplan® Visa Infinite Privilege* Card
Card highlights
Welcome bonus
Anniversary bonus
Annual fee
Ratehub’s review
Natasha Macmillan
The TD Aeroplan Visa Infinite Privilege is a premium travel rewards card that will get you access to airport lounges around the world, faster access to Aeroplan Elite Status, priority boarding and more. You’ll have to pay for these benefits with the high annual fee, but it might be worth the price for frequent fliers who appreciate luxury.
Pros
- Generous bonuses: Get both a generous welcome bonus and an anniversary bonus to multiply your Aeroplan rewards points (conditions apply)
- Travel insurance: Strong travel insurance package including travel medical and trip cancellation/interruption
- Wide array of travel perks: an annual round-trip companion pass from $99, free access to Air Canada’s Maple Leaf Lounges in Canada or the United States, priority airport check-in and baggage handling, and an annual fee rebate for NEXUS can every 48 months (up to $100 CAD).
Cons
- Annual fee: Steep annual fee of $599 can be too pricey for some users. However, the amount of perks and benefits offered make it well worth it for the right cardholder
- Mostly suited for loyal Air Canada customers: Those who fly other airlines or want more flexibility may want to look elsewhere
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $1,000.
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. Conditions Apply.
Anniversary bonus
Earn up to 50,000 points (a $1,000 value).
earn a one-time anniversary bonus of 50,000 Aeroplan points when you spend $24,000 within 12 months of Account opening. Conditions Apply.
Earn rates
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 50 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $599 annual fee
Second year reward
Based on spending $2,200/mo after $599 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual fee
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Anniversary bonus
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | Included | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Included | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Included | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | Included | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Included | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | Included | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | Included | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Included | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | Included | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $599
Rates
- Purchase interest
- 21.99%
- Balance transfer rate
- 22.99%
- Cash advance rate
- 22.99%
Type
- Provider
- TD Bank
- Card type
- Travel
- Payment network
- VISA
Eligibility
- Minimum personal income
- $150,000
- Minimum household income
- $200,000
- Minimum credit score
- 660+