TD Aeroplan Visa Infinite Privilege Review 2026: Is It Worth It?
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.
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Points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
Points for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Points† for every $1 spent on all other purchases made with your Card.
This card offers premium travel perks at top dollar. You get comprehensive travel insurance, annual $99 companion passes, unlimited access to Maple Leaf Lounges, six annual lounge passes via the Visa Airport Companion Program, priority airport services, NEXUS rebates and more. But not everyone will be able to afford the annual fee, nor meet the steep income requirement. Best for: Frequent Air Canada travellers with a big budget looking for premium perks at the airport.
Pros
- Unlimited Maple Leaf Lounge visits, plus six complimentary Visa Airport Companion Program passes annually.
- Priority airport services.
- Annual $99 companion pass.
Cons
- Steep $599 annual fee.
- High $150,000 minimum income requirement.
- Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
- Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
- Earn an additional 35,000 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†.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† 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 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
- Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
- 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 cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
- Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
- Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
- Travel Medical Insurance†: Up to $5 million of coverage for the first 31 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, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of 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.
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.
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.
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, partial NEXUS rebates and more.
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.
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 9th out of 14 credit card issuers in J.D. Power’s 2025 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 85,000 Aeroplan points:
Get 20,000 points when you make your first purchase with your new card.
Get an additional 35,000 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.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn Aeroplan points at the following rates:
2 Aeroplan points per $1 spent on eligible Air Canada purchases.
1.5 Aeroplan points per $1 spent on groceries, gas, electric vehicle charging, travel and dining purchases.
1.25 Aeroplan points per $1 spent on all other purchases.
Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.
TD Bank advertises up to $3,000 in first-year value, based on:
$140 in first checked bag savings for two travellers on one round-trip,
$200 in NEXUS statement credits (primary and one additional cardholder),
$550 estimated value for unlimited Maple Leaf Lounge access in North America,
$59 for additional guest access (for both primary and one additional cardholder),
$373 estimated value for Visa Airport Companion Program lounge access,
$1,700 value for the 85,000-point welcome offer (based on a $0.02/points redemption value).
However, using NerdWallet’s average 1.60-cent valuation for Aeroplan points, the same 85,000 Aeroplan points may be worth $1,360, putting the first-year value at roughly $2,682, depending on how you redeem and which benefits you use.
The TD® Aeroplan® Visa Infinite Privilege* Credit Card offers a slew of luxurious benefits. Cardholders get unlimited Maple Leaf Lounge access across Canada and the United States — a membership that, at the time of this writing, is not available to purchase. And the airport lounge access doesn’t end there. Cardholders receive an additional six airport lounge passes annually via the Visa Airport Companion Program for access to over 1,200 airport lounges worldwide.
The TD® Aeroplan® Visa Infinite Privilege* Credit Card also offers access to a partial NEXUS fee rebate of up to $100 every 48 months. The card comes with robust travel insurance, as well, including up to $5 million of travel medical coverage per insured person per trip. The extensive insurance could prove valuable if it ever needs to be put to use.
Aeroplan point value breakdown
NerdWallet searched more than 50 flights in 2024 to determine the average value for Air Canada flights. Based on our analysis, the average value of one Aeroplan point is worth 1.60 cents.
More specifically, you can expect to get around
1.29 cents in value per Aeroplan point for economy class awards on Air Canada.
1.80 cents in value per Aeroplan point for business class awards on Air Canada flights.
Based on this data, if the value of your redemption is worth at least 1.29 cents per point, then you should book your flight on points. If the value you’re getting falls below this threshold, you’re better off paying cash and saving your points.
Rewards calculator: See how many points you can earn
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.
Rewards breakdown
Rewards breakdownPoints† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
Points for every $1 spent on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Points† for every $1 spent on all other purchases made with your Card.
NerdWallet's take
NerdWallet's takeThis card offers premium travel perks at top dollar. You get comprehensive travel insurance, annual $99 companion passes, unlimited access to Maple Leaf Lounges, six annual lounge passes via the Visa Airport Companion Program, priority airport services, NEXUS rebates and more. But not everyone will be able to afford the annual fee, nor meet the steep income requirement. Best for: Frequent Air Canada travellers with a big budget looking for premium perks at the airport.
Pros
- Unlimited Maple Leaf Lounge visits, plus six complimentary Visa Airport Companion Program passes annually.
- Priority airport services.
- Annual $99 companion pass.
Cons
- Steep $599 annual fee.
- High $150,000 minimum income requirement.
Card details
Card details- Up to $3,000 in value† including up to 85,000 Aeroplan points† could be yours. Conditions Apply.
- Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
- Earn an additional 35,000 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†.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
- Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
- Earn 1.25 points† 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 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
- Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.
- 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 cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
- Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
- Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
- Travel Medical Insurance†: Up to $5 million of coverage for the first 31 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, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of 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.
Rewards breakdown
Rewards breakdownPoints on eligible purchases made directly with Air Canada and Air Canada Vacations.
Points on eligible Dining and Food Delivery purchases in Canada.
Points on on everything else.
NerdWallet's take
NerdWallet's takeThis top-shelf Aeroplan card offers 3x points on purchases made with Air Canada — the highest Aeroplan earn rate on the market. Comprehensive insurance coverage, annual companion passes and priority airport services add to the luxe factor, but the hefty $599 annual fee may be more than some cardholders are willing to spend. Best for: Air Canada enthusiasts who want to maximize their Aeroplan point accumulation.
Pros
- Up to 3x points on eligible dollars spent.
- Free Maple Leaf Lounge access, plus a complimentary Priority Pass membership.
- Free checked bags.
- Priority check-in, boarding and baggage handling.
Cons
- Steep $599 annual fee.
- Priority airport services only apply to Air Canada itineraries.
- Pay-per use rates apply to Priority Pass lounges.
Card details
Card details- New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points.
- Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months.
- Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
- You could earn up to $4,400 in value within your first 13 months. When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
- Cardmembers can now get an extra night free for every 3 hotel nights redeemed with Aeroplan points. Enjoy even more at over 300,000 hotel properties worldwide
- Receive up to $100 CAD in statement credits every four years when a NEXUS application or renewal fee is charged to your American Express Aeroplan Reserve Card
- Highest Air Canada earn rate on an Aeroplan payment card in Canada: Earn 3X the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*.
- Standard Earn Rate: Earn 2X the points on eligible Dining and Food Delivery purchases in Canada and earn 1.25X the points on everything else.
- Get through the airport quicker with Air Canada Priority Check-In, Air Canada Priority Boarding and Air Canada Priority Baggage Handling.
- Receive one Annual Worldwide Companion Pass when you spend $25,000 in net purchases prior to your Card anniversary date; your Pass entitles you to buy an accompanying Air Canada economy class ticket for a companion at a fixed base fare from $99 to a maximum of $599 CAD (plus taxes, fees, charges, and surcharges)
- Enjoy access to select Air Canada Maple Leaf Lounges™* and Air Canada Café™ in North America for you and a guest, with a same day ticket on a departing Air Canada or Star Alliance flight.
- Enjoy your eligible first checked bag free for up to 9 people travelling on the same reservation on Air Canada flights.
- Get a 10% Head Start. Starting in 2027, eligible Basic Cardmembers with Aeroplan Elite™* Status will receive a 10% head start toward qualification, based on Status Qualifying Credits (SQC) accumulated the year before. Roll over any unallocated unused eUpgrade Credits to the following year to enjoy during your travels
- Get access to more than 1,200 Priority Pass™ airport lounges and enjoy an oasis of comfort before your flight, regardless of your airline or cabin class.
- Amex Experiences™ opens doors for you to access a number of special events, including special dining experiences, VIP parties, advance film screenings and more
- Get more from your travel experience at Toronto Pearson International Airport with:
- Access to Pearson Priority Security Lane
- Complimentary valet service at the Express Park and Daily Park
- 15% discount on parking rates at the Express Park and Daily Park
- 15% discount on Car Care Services
- Insurance Coverage: whether you’re shopping nearby or travelling abroad, you can feel confident knowing you can be taken care of.
- American Express® Aeroplan®* Reserve Card is made from precision cut and engraved 13g metal – it’s the perfect companion on your next exceptional journey
- American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information click the Apply now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
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 | |
Fees and interest rates | |
Annual fee | $599 |
Regular/purchase APR | 21.99%. |
Penalty APR | 26.99% for purchases and 27.99% for cash advances if you miss two payments within 12 months. |
Cash advance APR | 22.99%. |
Cash advance fee | $3.50 to $10 per transaction. |
Promotional balance transfer fee | Up to 5%. |
Foreign transaction fee | 2.5% of the transaction amount. |
Rewards and benefits | |
Intro offer | Earn up to 85,000 Aeroplan points Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card. Earn an additional 35,000 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. Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. |
Reward earn rates |
|
Other perks |
|
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. |
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