TD® Aeroplan® Visa Infinite Privilege* Credit Card vs TD® Aeroplan® Visa Platinum* Card
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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†
Up to $500 in value†, including up to 20,000 Aeroplan points† could be yours and receive an Annual Fee rebate for the first year†. Conditions Apply.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†
- Earn an additional 10,000 Aeroplan points when you spend $1,500 within 90 days of Account opening†
- Get an Annual Fee rebate for the first year†
To receive the first-year Annual Fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year Annual Fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
What each card is worth
Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.
Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.
$329
First-year value
$707
-$51
Every year after
$238
TD Aeroplan Platinum is worth $378 more to you in year one.
It stays ahead after that, by $289 a year.
How the first year adds up
Annual rewards
$548.34
28,860 points a year
Welcome bonus
+ $380
first year only
Annual fee
− $599
First-year value
$329.34
Annual rewards
$327.41
17,232 points a year
Welcome bonus
+ $380
first year only
Annual fee
$89− $0
$89 from year two
First-year value
$707.41
Where each card earns
A year of your spending at each card's own reward rates, most first.
1.5xAll other categories with bonus points
16,056 pts
$305.06
2xAir Canada
480 pts
$9.12
1xAll other purchases
12,324 pts
$234.16
1xGroceries, Gas and Air Canada
5,448 pts
$103.51
0.66xAll other purchases
11,784 pts
$223.9
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99%
Cash Advance:
22.99%
Purchase:
21.99%
Cash Advance:
22.99%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
- 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.
- Earn 1 point† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
- Earn 1 point† for every $1.50 spent on all other eligible 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).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Points and how we value them
Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.
Loyalty program
Loyalty program
We count each point at 1.9¢ a point, what it's worth redeemed for Flights, its best value. Every dollar figure above uses that value.
We count each point at 1.9¢ a point, what it's worth redeemed for Flights, its best value. Every dollar figure above uses that value.
Point redemption options
Point redemption options
Most Optimal
Flights
1.9¢ / point
Car Rentals
0.9¢ / point
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / point
Most Optimal
Flights
1.9¢ / pointCar Rentals
0.9¢ / pointTravel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / point
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
Lost or Stolen Baggage†
$2,500/person
Baggage Delay†
$1,000/person after 4 hours.svg)
Car Rental Damage & Theft†
48 days
Common Carrier Travel Accident Insurance†
$500,000
Extended Warranty†
2 years
Purchase Protection†
120 daysFlight Delay†
$1,000/person after 4 hours
Mobile Device Insurance†
$1,500
Hotel Burglary Insurance†
$2,500
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
Lost or Stolen Baggage†
$1,000Baggage Delay†
$1,000Car Rental Damage & Theft†
yesCommon Carrier Travel Accident Insurance†
$500,000Extended Warranty†
Up to 1 yearPurchase Protection†
90 daysFlight Delay†
$500
Perks
Perks
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
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 eStoreExtra 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 upgrade
Visa Infinite Exclusive Benefits†
Airport Lounge - Dragon Pass†
6 Free complimentary visits
Trip and legal Assistance†
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Concierge Services†
Companion Voucher†
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.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 purchasesStatus 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..svg)
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
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)
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.SAirport Lounge - Maple Leaf and AirCanada Cafes†
Unlimited Access for you and one guest
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.Extra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Our take
Why we like it
Why we like it
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
The TD® Aeroplan® Visa Platinum* Card is a solid option for individuals who frequently fly with Air Canada and want a low-fee entry into the Aeroplan rewards program. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Pros
Pros
- Elite Air Canada experience
- High insurance coverage
- Luxury perks
- Generous intro offer
- Preferred Aeroplan flight pricing
- First-year fee rebate
- Decent insurance
- Car rental discounts
- Generous intro offer
Cons
Cons
- Low reward rates
- Limited airline flexibility
- High annual fee
- Limiting airport lounge brand
- Lower reward rates
- Limited redemption value
More comparisons
Other cards we've put each of these up against.
vs Amex Aeroplan Reserve
vs Amex Cobalt
vs Amex Gold
vs MBNA Rewards World Elite
vs Rogers Red World Elite
vs Scotia Momentum Visa Infinite +
vs Scotiabank Passport
vs TD Aeroplan Visa Infinite
vs TD Cash Back Visa Infinite* Card
vs TD Cashback Visa
vs TD First Class Travel
vs TD Low Rate
vs TD Platinum Travel
vs TD Rewards Visa
Legal
†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button.
†Terms and conditions apply.
Sponsored advertising. 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 this TD credit card, please click the Apply Now button.
