TD Aeroplan Visa Infinite Privilege Card Review
The TD Aeroplan Visa Infinite Privilege Card is a premium perks credit card for Canadians who fly frequently with Air Canada and partner airlines. Get the full breakdown below.
Oct 20, 2026 9:32 PM
The Bottom Line
The TD Aeroplan Visa Infinite Privilege Card is a solid premium perks contender for those who want extensive coverage and Air Canada benefits. That said, the Platinum Amex offers even more exclusive perks with no annual income requirements, and the Amex Aeroplan Reserve Card provides exclusive benefits with better point potential.
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Welcome Bonus
Up to $3,300 in value† including up to 100,000 Aeroplan points† could be yours. Conditions Apply.
Annual Fee
$599
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
Rewards
- 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.
Insurance
Coverage
Travel Medical Insurance (64 & under)†
31 daysTravel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$2,500/person, $5,000/trip
Trip Interruption†
$5,000/person, $25,000/trip
Flight Delay†
$1,000/person after 4 hoursBaggage Delay†
$1,000/person after 4 hours
Lost or Stolen Baggage†
$2,500/person
Common Carrier Travel Accident Insurance†
$500,000.svg)
Car Rental Damage & Theft†
48 days
Hotel Burglary Insurance†
$2,500
Purchase Protection†
120 days
Extended Warranty†
2 years
Mobile Device Insurance†
$1,500
Benefits
Details
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Free first checked bag†
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate†
up to $100 every 4 years
Visa Infinite Exclusive Benefits†
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Concierge Services†
Golf Benefit†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points†
Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore.svg)
Status lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance†
Extra points†
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgradeStatus lift†
Complimentary upgrade to Avis® President's ClubStatus lift†
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift†
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift†
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
Priority Travel†
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel†
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
Airport Lounge - Dragon Pass†
6 Free complimentary visitsAirport Lounge - Maple Leaf and AirCanada Cafes†
Unlimited Access for you and one guest
Companion Voucher†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Eligibility
Credit Score
GoodAnnual Income
$150,000 personal or $200,000 household
Welcome Bonus Details
Up to $3,300 in value† including up to 100,000 Aeroplan points† and additional travel benefits 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 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
- Plus, earn a one-time anniversary bonus of 50,000 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.
Additional Travel Benefits:
- Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD per eligible cardholder) †.
- Share free first checked bags for you and up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.
- Plus, cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Card Details
Interest Rates
Purchase APR
21.99%
Cash Advance APR
22.99%□
Fees
Annual Fee
$599
Additional Cards
$199
Eligibility
Minimum Individual Income
$150,000
Minimum Household Income
$200,000
Credit Score Estimate
Good
Pros & Cons
Pros
- Elite Air Canada experience
- High insurance coverage
- Luxury perks
- Generous intro offer
Cons
- Low reward rates
- Limited airline flexibility
- High annual fee
- Limiting airport lounge brand
Our Detailed Review
How to Earn Rewards with the TD Aeroplan Visa Infinite Privilege Card
When using the TD Aeroplan Visa Infinite Privilege Card, one of the best TD credit cards in Canada, cardholders earn the following:
- 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).
Ultimately then, this card is most lucrative when used on partner or Aeroplan e-store purchases.
How to Redeem Rewards with the TD Aeroplan Visa Infinite Privilege Card
On top of Aeroplan flights, there are a handful of ways to redeem the Aeroplan points you pocket using the TD Aeroplan Visa Infinite Privilege Card.
Here’s the full list of redemption opportunities ranked from most valuable to least valuable:
- Aeroplan Flights: Redeeming your points for flights with Air Canada and other partner airlines.
- Car Rentals: Using points to make transportation arrangements at over 11,000 car rental locations across the globe.
- Vacation Packages: Booking your entire trip with Aeroplan points and Air Canada Vacations, including activities and travel experiences.
- Hotel Stays: Using points to check-in to partner hotels.
- Merchandise: Redeeming points towards eligible products provided by partner brands.
- Gift Cards: Using points to purchase eligible gift cards from participating brands.
Of course, as mentioned above, the best way to redeem your TD Rewards points is towards Air Canada and partner airline flights. However, you can still squeeze decent value out of your Aeroplan points when you redeem them towards other travel expenses; everything from transportation to travel bundles and accommodations.
Benefits and Perks
12 Benefits of the TD Aeroplan Visa Infinite Privilege Card
Settle in for this next section. The TD Aeroplan Visa Infinite Privilege Card is packed with tons of perks geared towards your next trip, making it one of the top travel credit cards in Canada.
To entice applicants, the TD Aeroplan Visa Infinite Privilege Card welcomes you with bonus points on your first purchase, plus additional points when certain spending thresholds are met.
To collect even more points than those offered on categorical spending alone, cardholders can strategically purchase from over 150 Aeroplan partner brands and 200+ online retailers via the Aeroplan eStore. This strategy earns you twice the points on eligible purchases.
Spenders also receive extra Starbucks Stars at participating Starbucks locations. Simply link your TD Aeroplan Visa Infinite Privilege Card to your Starbucks account to start earning.
To keep you protected on every trip, the TD Aeroplan Visa Infinite Privilege Card includes plenty of insurance coverage. Everything from travel medical insurance to trip interruption and trip cancellation insurance to hotel burglary insurance and car rental damage and theft insurance. Many of these insurance categories also come with high coverage limits.
Highlights include trip cancellation coverage of up to $2,500 per person ($5,000 per trip), $1,500 of mobile device insurance, car rental damage and theft coverage for up to 48 days, and a two-year extended warranty. Emergency travel medical coverage lasts 31 days for travellers aged 64 and under (4 days for ages 65 to 75).
Enjoy free first checked bags for you and up to8 travel companions travelling on the same reservation. Eligible reservations are operated by Air Canada, Air Canada Rouge, or Air Canada Express brands. To qualify, you must also ensure that all bags meet airline baggage requirements in terms of size and weight.
Zip through border patrol with this card’s Nexus Program rebate, offsetting application fees every few years. Additional cardholders can also take advantage of this rebate.
Receive 24/7 Visa Infinite concierge services to help with every travel booking, reservation, or shopping spree. These professionals will tackle all the planning, all you have to do is pay the grand total.
Golfers will also be pleased to hear that the TD Aeroplan Visa Infinite Card provides cardholders with Troon Rewards Platinum Status at over 150 courses, plus discounts on fees, merchandise, and lessons at participating locations. Private club access is also available, conditions apply.
The TD Aeroplan Visa Infinite Card also boasts tons of status lifts, including:
- An expedited chance to earn Aeroplan Elite Status.
- An Upgrade to Avis President’s Club. Take advantage of rental car upgrades, expedited service, a dedicated phone line and more.
- A Status Qualifying Miles roll over from the prior qualification year for the next year. Applicable towards the next Aeroplan Elite status level for which cardholders qualify for. Applies to those who already have Aeroplan Elite Status.
- eUpgrade credits for primary cardholders with Aeroplan Elite Status with extended validity.
- Diamond Status with Visa RSVP Rewards, supplying cardholders with benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels.
Rent a discounted set of wheels at participating Avis Rent a Car and Budget Rent a Car locations.
The card’s listed discount is 10% off the base rate at Avis and Budget.
This premium card also unlocks access to exclusive airport services like priority boarding, baggage handling, airport standby, and airport upgrades.
Learn more:
- Priority check-in. A faster check-in experience for you and up to eight accompanying travellers on the same Air Canada reservation.
- Priority boarding. The primary cardholder and up to eight travel companions on the same booking will be allowed to board their flight earlier. All travellers will receive Zone 2 priority boarding on any Air Canada flight.
- Priority Baggage Handling. All baggage for the eligible travelling party will be tagged as priority, meaning your luggage will be some of the first loaded onto the retrieval carousel upon arrival. Applies to Air Canada bookings only.
- Priority Airport Standby. When you or one of your eight travel companions are on standby, if a seat becomes available, TD Aeroplan Visa Infinite Privilege cardholders will be able to snag the seat before anyone else.
Cardholders also receive a free membership to the Visa Airport Companion Program by Dragon Pass, plus some complimentary visits each year.
Want more free lounge access? TD Aeroplan Visa Infinite Privilege members also receive unlimited access to Maple Leaf Lounges, including complimentary access for one travel companion.
With multiple ways to pamper yourself prior to takeoff, the TD Aeroplan Visa Infinite Privilege Card earns its place as one of the best lounge credit cards in Canada.
In short, that’s unlimited Maple Leaf Lounge and Air Canada Café access for you and one guest, plus six complimentary lounge visits per year through the Visa Airport Companion Program.
Primary cardholders are also granted one companion pass every year that they meet certain spending requirements. This companion pass allows one guest to accompany the primary cardholder at a fixed base rate fare for newly booked Air Canada, Air Canada Rouge, and Air Canada Express flights.
Drawbacks and Considerations
5 Downsides to the TD Aeroplan Visa Infinite Privilege Card
With so many benefits, it’s easy to believe that the TD Aeroplan Visa Infinite Privilege Card is flawless at first glance. That said, there are a handful of drawbacks to consider before you get too excited.
For starters, the TD Aeroplan Visa Infinite Privilege Card comes with a high annual fee to account for its impressive value. If you intend on using all of the card’s perks to their full potential, then this fee will essentially be offset in value. If you don’t see yourself taking full advantage of all the benefits, then it’s best to stick with a lower-tier card that complements your spending habits.
To put a number on it, the annual fee is $599, and each additional card costs another $199.
It’s also essential to note that this premium contender isn’t accessible to everyone. This card comes with some high annual income requirements, meaning it’s trickier to qualify for.
You’ll need a personal income of at least $150,000 or a household income of at least $200,000 to qualify.
When it comes to point potential on categorical spending, this card isn’t exactly revolutionary. The real value comes from purchases made at partnered brands, but even then, there are other cards on the Canadian market that will earn you more Aeroplan points on specialized purchases.
Simply put, the TD Aeroplan Visa Infinite Privilege Card caters more towards perks than points.
Since Aeroplan points are best redeemed towards Aeroplan flights and most travel benefits are exclusive to Air Canada bookings, this card is only valuable for those loyal to Air Canada. If you tend to fly with other airlines or prefer to switch things up here and there, a more flexible travel credit card might be a better fit.
While it’s nice that the TD Aeroplan Visa Infinite Privilege Card comes with some complimentary Dragon Pass lounge access and unlimited Maple Leaf Lounge access, there are a couple caveats to these perks. Firstly, Dragon Pass lounge access is limited to a handful of free visits per year. Secondly, Maple Leaf Lounges are more scarce, so you won’t find them in many airports outside of Canada.
Compare to Similar Cards
Comparison to other Premium Perk Credit Cards in Canada
There are a couple of other premium perk credit cards on the Canadian market worth considering.
In this section, we’ve compared the TD Aeroplan Visa Infinite Privilege Card against these two close competitors.
To learn more about these contenders, check out our best perks credit cards in Canada post. You’ll also find them ranked within our best travel credit cards in Canada article.
TD Aeroplan Visa Infinite Privilege Card vs Amex Platinum Card
Let’s start with the top competitor for perks and luxury travel: the American Express Platinum Card. Sure, the coverage on this card is slightly less extensive, but the perks are about as exclusive as you can get, featuring various status lifts, priority travel advantages, an annual travel and dining credit, complimentary hotel benefits, and most importantly, unlimited access to over 1,400 airport lounges featured under The American Express Global Lounge Collection. Like the TD Aeroplan Visa Infinite Privilege Card, the Amex Platinum Card’s focus is more so on perks rather than point accumulation. Still, cardholders can collect decent points per dollar spent on eligible dining and travel purchases.
While the annual fee is much higher, this platinum contender avoids annual income requirements, making it a bit more accessible.
TD Aeroplan Visa Infinite Privilege Card vs Amex Aeroplan Reserve Card
If it’s Aeroplan perks you’re after, you might want to opt for the American Express Aeroplan Reserve card instead, another one of the best Aeroplan credit cards in Canada. For the same annual fee, cardholders can collect more Aeroplan points per $1 spent on Air Canada and Air Canada Vacations purchases, plus better points on dining purchases. The TD Aeroplan Visa Infinite Privilege Card still has more coverage and perks, but the Amex Aeroplan Reserve Card features some valuable benefits like free extra nights at hotels and a Priority Pass membership.
The Amex Aeroplan Reserve Card also avoids annual income requirements, so it’s easier to qualify for.
Frequently Asked Questions
It can be. Whether a credit card is "worth it" essentially comes down to your unique spending habits. In this case, if you fly with Air Canada several times a year, check bags, use airport lounges, and are interested in taking advantage of an annual companion voucher, the value can easily outweigh the annual fee. If you don't fly frequently with Air Canada or use premium perks, then your money is better spent on a lower-fee card with stronger everyday rewards. Ultimately, this card is an investment in travel benefits, not a straightforward points-earning tool.
Not particularly. This cards offers low point potential on everyday purchases like groceries, gas, dining, and transit. The card's real earning power comes from its Air Canada perks and comprehensive coverage. If most of your spending is on everyday purchases and you rarely shop through the Aeroplan eStore or partner brands, you may not earn enough value to justify the premium fee. To maximize everyday spending, opt for a mid-tier rewards card that offers better returns.
Aeroplan points are most valuable when redeemed towards Air Canada and partner airline flights, meaning the TD Aeroplan Visa Infinite Privilege Card is best for people who are loyal to Air Canada. While you can redeem points for hotels, car rentals, and gift cards, the value starts to drop.
If you don't meet the TD Aeroplan Visa Infinite Privilege Card's annual income requirements, you have two strong options:
- The American Express Platinum Card, which has no minimum income requirement but a higher annual fee, and offers extremely strong access and status benefits.
- The Amex Aeroplan Reserve Card, which also has no income requirement and provides excellent Aeroplan-specific perks and stronger point potential in some categories.
Just note that all of these contenders come with high annual fees.
Yes. Cardholders get unlimited access to Air Canada Maple Leaf Lounges and Air Canada Cafés for themselves and one guest, plus six complimentary lounge visits per year through the Visa Airport Companion Program. Keep in mind that Maple Leaf Lounges are less common outside Canada, so the card’s lounge value is strongest if you fly Air Canada regularly.
The annual fee is $599, with each additional card costing $199. To qualify, you’ll need a personal income of at least $150,000 or a household income of at least $200,000.
Coverage includes emergency travel medical insurance, trip cancellation, trip interruption, and flight and baggage delay coverage. You also get car rental damage and theft coverage, mobile device insurance, purchase protection, and a two-year extended warranty.
About the author
Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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