The TD Aeroplan Visa Infinite Privilege Credit Card, issued by TD Bank, is one of the best on the market if you’re looking to make the most of the Aeroplan rewards program. These premium benefits come with a premium price, however, and the high income qualification may put this card out of reach for many!
Card Features
Annual Fees
This premium credit card has an annual fee of $599, with an additional $199 for each supplementary cardholder.
Interest Rates
The purchase interest rate is set at 20.99%, while cash advances have an interest rate of 22.99%.
Welcome Bonuses (Offer until September 5, 2023)
New cardholders are greeted with 20,000 Aeroplan points upon making their first purchase. An extra 60,000 Aeroplan points can be earned by spending $7,500 within the first 180 days. To top it off, an anniversary bonus of 35,000 Aeroplan points is up for grabs if you spend $12,000 within the first year. This brings the total points on offer as a welcome bonus to 115,000. Not bad!
Eligibility Requirements
The card requires an annual personal income of $150,000 or a household income of $200,000 to qualify.
Rewards Program Breakdown
Base Earning Rate
Cardholders earn 1.25 Aeroplan points for every $1 spent on purchases.
Category Bonuses
For spending directly with Air Canada and Air Canada Vacations, earn 2 points for every $1. Additionally, 1.5 points per $1 are earned on gas, groceries, travel, and dining.
Travel Benefits and Perks
Travel Insurance
- Trip cancellation/interruption coverage is up to $2,500 per person ($5,000 max) for cancellations and up to $5,000 per person ($25,000 max) for interruptions.
- Medical insurance covers up to $5 million for the first 31 days (4 days if you or your spouse is 65 or older).
- Baggage loss/delay insurance provides up to $1,000 for delayed baggage and $2,500 for lost baggage per insured person.
- Flight/trip delay insurance offers up to $1,000 if delayed by over 4 hours.
- Common carrier travel accident insurance of up to $500,000.
- Auto rental/collision insurance for up to 48 consecutive days.
Airport Lounge Access
- Unlimited access to Maple Leaf Lounges for cardholders plus one guest.
- Complimentary Visa Airport Companion program membership, including 6 free lounge visits annually.
Travel Credits
- Rebate on NEXUS application fees for all cardholders.
- Annual round-trip companion pass after spending $25,000. The prices range from $99 for Canada/US travel to $599 for Asia, Australia, and New Zealand travel.
Elite Status Benefits
- Free first checked bag, priority check-in, boarding, baggage handling, airport standby, and upgrades for cardholders and up to 8 companions.
- Primary cardholder earns 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 spent.
- Aeroplan Elite Status holders can roll over Status Qualifying Miles and unused eUpgrade credits.
- Priority security lanes at selected airports.
Special Promotions and Partnerships
Starbucks
Earn 50% more Aeroplan points and Stars at participating Starbucks stores.
Avis and Budget
Save a minimum of 10% off the lowest base rates in Canada and the U.S., and 5% internationally.
Rocky Mountaineer
Earn 2 Aeroplan points per $1 spent on eligible purchases, plus possible upgrades.
Visa Infinite Privilege Programs
- Luxury Hotel Collection benefits at over 900 properties.
- Exclusive access to movie events and Toronto International Film Festival perks.
- Discounts and experiences at over 95 wineries.
- Elevate to Troon Rewards Platinum Status at golf courses.
- Enroll in Visa RSVP Rewards for Diamond status and benefits at Sandman, Sandman Signature, and Sutton Place Hotels.
- Complimentary upgrade to Avis President’s Club.
Additional Benefit
Concierge Services
Complimentary Visa Infinite Privilege concierge services are available to assist you in your travels and daily life.
Wrapping Up
The TD Aeroplan Visa Infinite Privilege Credit Card is ideal for those who prioritize travel and are willing to leverage the Aeroplan rewards program. The extensive range of benefits and perks justifies the premium annual fee for many travellers. However, the card demands a high-income requirement and only makes sense if you are able to capitalize on its offerings.
