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Published January 1, 2024
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TD Aeroplan Visa Infinite Privilege Review 2024: Is It Worth It?

Anyone seeking a credit card with luxurious travel perks that earns Aeroplan points will want to consider the TD Aeroplan Visa Infinite Privilege Card.

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TD Aeroplan Visa Infinite Privilege Card

4.5

NerdWallet Rating

Best for: Travel enthusiasts who frequently fly Air Canada.

Anyone seeking a credit card that earns Aeroplan points and comes with luxurious travel perks will want to consider the TD Aeroplan Visa Infinite Privilege Card.

Learn more about how we evaluate cards.

    The TD Aeroplan Visa Infinite Privilege 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 bugs seeking airport lounge access and comprehensive insurance coverage.  

    TD® Aeroplan® Visa Infinite Privilege* Credit Card

    TD® Aeroplan® Visa Infinite Privilege* Credit Card
    • Annual Fee
      $599
    • Interest Rates
      20.99% / 22.99%
    • Rewards Rate
      1.25x-2x Points
    • Intro Offer
      Up to 75,000 Points
    Card Details
    • Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Los Angeles†) and additional travel benefits. Conditions Apply. Account must be approved by March 4, 2024.
    • 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 $10,000 within 180 days of Account opening†.
    • Plus, earn an anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
    • 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 spent on eligible gas, grocery, travel 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 170+ online retailers via the Aeroplan eStore.
    • Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
    • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
    • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
    • 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.
    • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
    • Flight/Trip Delay Insurance†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
    • Delayed and Lost Baggage Insurance†: For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
    • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
    • Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)†. Additional Cardholders can also take advantage of this NEXUS rebate.
    • 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 full review

    The TD Aeroplan Visa Infinite Privilege 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

    The TD Aeroplan Visa Infinite Privilege’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

    The $599 annual fee may be a dealbreaker for those considering the TD Aeroplan Visa Infinite Privilege 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?

    Travellers and jet-setters who frequently fly with Air Canada stand to benefit most from the TD Aeroplan Visa Infinite Privilege 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 worth it?

    The TD Aeroplan Visa Infinite Privilege comes with multiple welcome offers. You can unlock all of them, worth a total of 75,000 Aeroplan points, by spending $15,000 in your first year of card membership ($10,000 of that has to be in the first six months). According to NerdWallet’s analysis, one Aeroplan point has an average value of 2.23 cents, meaning the welcome offer value is equal to $1,673.

    The card carries a $599 annual fee, however. Per NerdWallet’s analysis, you’d need to earn 26,860 Aeroplan points to recoup the fee. 

    Ultimately, the TD Aeroplan Visa Infinite Privilege 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 perks. 

    TD Bank customer ratings

    TD Aeroplan Visa Infinite Privilege eligibility

    Who qualifies for the TD Aeroplan Visa Infinite Privilege?

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

    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 rewards

    Welcome offer
    Ongoing rewards
    Card value

    Earn up to 75,000 Aeroplan points. 

    • 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 $10,000 within your first six months of card membership. 
    • Get a 25,000-point anniversary bonus when you spend at least $15,000 within the first year of card membership. 

    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, travel and restaurant 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.

    According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. That means that the TD Aeroplan Visa Infinite Privilege’s welcome offer of 75,000 Aeroplan points is worth about $1,673, depending on how you redeem your points. But this card’s true value resides in its travel perks. 

    The TD Aeroplan Visa Infinite Privilege Card offers a slew of luxurious benefits. Cardholders get unlimited Maple Leaf Lounge access across Canada and the United States — a membership that would cost at least $375 annually to purchase outright. 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 Card also offers access to NEXUS rebates of up to $100 every two years. Plus, cardholders can get annual flight companion passes at discounted rates that start at $99, which could save hundreds of dollars, depending on the travel destination.

    The TD Aeroplan Visa Infinite Privilege Ccard 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.

    Point value breakdown

    NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights. Based on our analysis, the average value of 1 Aeroplan point is worth 2.23 cents.

    More specifically, you can expect to get around:

    How to apply for the TD Aeroplan Visa Infinite Privilege

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

    1. Navigate to the TD Aeroplan Visa Infinite Privilege 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 vs American Express Aeroplan Reserve Card

    If you want a metal credit card that earns Aeroplan points, the TD Aeroplan Visa Infinite Privilege 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.

    TD Aeroplan Visa Infinite PrivilegeAmerican Express Aeroplan Reserve Card
    Annual fees$599.$599.
    Reward rate

    • 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.


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

    • 2 Aeroplan points per $1 spent on restaurant and food delivery purchases.

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

    Travel perks

    • Maple Leaf Lounge access across Canada and the United States.

    • Priority boarding, baggage handling and upgrades when you fly.

    • Annual companion passes.

    • NEXUS rebates.

    • Six airport lounge passes annually via the Visa Airport Companion Program.

    • Canadian airport perks, including priority security lanes, parking discounts and more.


    • Maple Leaf Lounge access across Canada and the United States.

    • Annual companion passes.

    • Priority boarding, baggage handling and upgrades when you fly.

    • Free checked bags on Air Canada flights.

    • Airport lounge access via Priority Pass for a usage fee.

    • Toronto Pearson International Airport perks, including complimentary valet service, priority security lanes, parking discounts and car care service discounts.

    Having trouble deciding? Check out our review of the American Express Aeroplan Reserve Card.

    Reasons you might want a different card

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

    TD Aeroplan Visa Infinite Privilege facts

    TD Aeroplan Visa Infinite Privilege
    Card typeAeroplan credit card.
    Fees and interest rates
    Annual fee$599.
    Regular/purchase APR20.99%.
    Penalty APR25.99% for purchases and 27.99% for cash advances if you miss two payments within 12 months as of December 2023. This penalty APR will stay in place until you’ve made 12 consecutive payments on time.
    Cash advance APR22.99%.
    Cash advance fee$3.50 to $10 per transaction.
    Balance transfer APR22.99%.
    Balance transfer fee3% of the transaction amount.
    Foreign transaction fee2.5% of the transaction amount.
    Rewards and benefits
    Intro offerEarn up to 75,000 Aeroplan points. 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 $10,000 within your first six months of card membership. Get a 25,000-point anniversary bonus when you spend at least $15,000 within the first year of card membership. Plus, share free checked bags with up to eight travel companions.
    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 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 passes. Purchase annual round-trip companion passes starting at $99.

    • 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 accidentUp to $500,000.
    Travel medicalUp to $5 million per insured person per trip.
    Flight delayUp to $1,000 for necessary accommodations, restaurant expenses and sundries.
    Baggage delayUp to $1,000 for essential clothing and sundry items.
    Lost or stolen baggageUp to $2,500 of coverage per trip for all insured persons.
    Hotel burglaryUp to $2,500 of coverage for personal items.
    Rental car theft/damageFor up to 48 days.
    Extended warrantyUp to two additional year.
    Purchase Protection120 days.
    Mobile Device ProtectionUp to $1,500 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply.

    Rating Methodology

    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.

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