Lena Hayes
The TDÂŽ AeroplanÂŽ Visa Infinite Privilege* Credit Card is TDâs ultra-premium Aeroplan card, built for frequent Air Canada travellers who want elevated earn rates, Maple Leaf Lounge⢠access, priority airport services and rich insurance. You can earn up to 2 Aeroplan points per $1 on Air Canada purchases, 1.5Ă on key everyday categories, enjoy an annual companion pass from $99, get up to 85,000 bonus Aeroplan points as part of a welcome offer, plus a NEXUS fee rebate, Visa Airport Companion lounge access and comprehensive travel protection.
Quick highlights
- đ° Special offer: Up to $3,000 in value, including up to 85,000 Aeroplan points when you meet tiered minimum spend in the first 12 months. Conditions apply.
- âď¸ Earn 2 Aeroplan points per $1 on eligible Air Canada and Air Canada Vacations purchases.
- đ Earn 1.5 Aeroplan points per $1 on eligible gas, EV charging, groceries, travel, transit and dining purchases.
- đ Earn 1.25 Aeroplan points per $1 on all other eligible purchases.
- đ Annual Worldwide Companion Pass from $99 (plus taxes, fees and surcharges) after $25,000 annual spend.
- đş Unlimited Maple Leaf Lounge access in North America for the primary and additional cardholders, each with one guest, plus 6 complimentary Visa Airport Companion lounge visits per cardholder per year.
- 𩺠Premium travel insurance: up to $5 million in emergency medical coverage for 31 days (4 days if 65+), plus strong trip, baggage and rental car coverage.
Why we like the TD Aeroplan Visa Infinite Privilege Card
The TD Aeroplan Visa Infinite Privilege is one of the strongest ultra-premium airline cards in Canada if you actually fly Air Canada and use Aeroplan regularly. It layers a big welcome bonus, rich earn rates, lounge access, priority services and elite-status boosts on top of a very comprehensive insurance package.
You earn up to 2Ă points on Air Canada purchases and 1.5Ă on everyday categories like gas, groceries, dining, transit and travel, while 1.25Ă on everything else is still higher than the standard 1Ă many cards offer. Pair that with unlimited Maple Leaf Lounge access in North America for you and additional cardholders (each with a guest), 6 annual DragonPass/ Visa Airport Companion visits per cardholder, a NEXUS fee rebate and an annual companion pass from $99, and the $599 annual fee becomes much easier to swallow for frequent flyers.
Stand-out features
- â Up to 85,000 Aeroplan points as part of a special offer: 20,000 on first purchase, 35,000 after $12,000 spend in 180 days, and 30,000 after $24,000 spend in 12 months.
- â 2Ă Aeroplan points per $1 on eligible Air Canada and Air Canada Vacations purchases.
- â 1.5Ă Aeroplan points per $1 on gas, EV charging, groceries, travel, transit and dining.
- â 1.25Ă Aeroplan points per $1 on all other purchases.
- â Unlimited Maple Leaf Lounge access in North America for the primary and additional cardholders, each able to bring one guest when flying Air Canada or Star Alliance on a same-day ticket.
- â 6 complimentary Visa Airport Companion lounge visits per cardholder each membership year.
- â Annual Worldwide Companion Pass from $99 (plus taxes, fees and surcharges) after $25,000 in net purchases each year.
- â NEXUS application fee rebate (up to $100 every 48 months) for the primary and additional cardholders.
Good to know
- â ď¸ Annual fee is $599 for the primary card and $199 per additional cardholder.
- â ď¸ Interest rates are 21.99% on purchases and 22.99% on cash advances and most balance transfers.
- â ď¸ High income requirement: generally $150,000 personal or $200,000 household income.
- â ď¸ Air Canada/Aeroplan ecosystem focus: youâll get the most value if you regularly fly Air Canada or Star Alliance partners.
- â ď¸ Elite-status boost and rollover benefits are evolving from 2026 onward; check the latest Aeroplan Elite Status rules if thatâs important to you.
Pros
- Huge potential welcome value (up to $3,000 including up to 85,000 Aeroplan points and travel benefits) if you meet the spend milestones.
- Very strong earn rates on Air Canada, travel, gas, groceries, dining and transit, plus 1.25Ă on other purchases.
- Unlimited Maple Leaf Lounge access in North America for both primary and additional cardholders, each with one guest.
- 6 complimentary global lounge visits annually per cardholder through Visa Airport Companion (DragonPass).
- NEXUS application fee rebate every 48 months for the primary and additional cardholders.
- Annual Worldwide Companion Pass from $99 after $25,000 spend can be extremely valuable on the right routes.
- Premium travel insurance, including $5 million in emergency medical coverage and strong trip and baggage protection.
- Extra Aeroplan Elite Status perks like Status Qualifying Mile/Segment boosts, rollover SQM and extended eUpgrade validity (subject to program changes).
Cons
- $599 annual fee plus $199 per additional card is steep if you donât travel frequently or use the perks fully.
- High income requirements ($150,000 personal or $200,000 household) exclude many otherwise interested cardholders.
- Rewards and benefits are heavily tied to Air Canada and Aeroplan; value drops if you rarely fly them.
- You still pay taxes, fees and surcharges on Aeroplan award tickets, including companion passes.
- Complexity: multiple tiers of bonus points, companion passes and elite benefits can be confusing if youâre not into the details.
- Premium-level interest rates mean carrying a balance is a very expensive way to âearnâ rewards.
Rewards program
The TD Aeroplan Visa Infinite Privilege earns Aeroplan points, Air Canadaâs loyalty currency. Aeroplan points are highly flexible for flights on Air Canada and Star Alliance partners, and can also be redeemed for hotels, car rentals and merchandise.
- Air Canada & Air Canada Vacations: 2 Aeroplan points per $1 spent on eligible purchases made directly with Air Canada, including Air Canada Vacations.
- Gas, EV charging, groceries, travel, transit & dining: 1.5 Aeroplan points per $1 on eligible purchases in these categories.
- All other purchases: 1.25 Aeroplan points per $1 on everything else.
- Earn points twice: Pay with your card and show your Aeroplan number at Aeroplan partners or through the Aeroplan eStore to earn points twice on the same purchase.
- Welcome bonus: Typically up to 85,000 Aeroplan points broken into tiers:
- 20,000 Aeroplan points after your first purchase.
- 35,000 points after $12,000 in purchases within 180 days.
- 30,000 points after $24,000 in purchases within 12 months.
- Annual Worldwide Companion Pass: After $25,000 in net purchases each year, receive a companion pass from $99 (plus taxes, fees and surcharges) on an eligible Air Canada trip.
How to maximize rewards
-
Plan your spending around the bonus tiers.
Map out big expenses in the first 12 monthsâlike travel bookings, insurance, home projects and annual billsâso you can comfortably reach the $12,000 and $24,000 thresholds without overspending just for points. -
Always use this card for Air Canada purchases.
Youâll earn 2Ă Aeroplan points and unlock airline benefits like free first checked bags for up to 8 companions, priority services and lounge access, plus work toward the annual companion pass and status boosts. -
Use it as your primary card for premium categories.
Charge gas, EV charging, groceries, transit, dining and general travel spend to this card to take advantage of the 1.5Ă earning in those categories. -
Share the load with additional cardholders.
Adding an additional cardholder (or two) consolidates household spend on the same account, accelerating your progress toward spend-based bonuses like the companion pass and status boostsâand they also receive many airline benefits and lounge access. -
Leverage Aeroplan Family Sharing.
Pool points with up to 8 family members so everyoneâs Aeroplan earningsâincluding those from this cardâwork toward shared redemptions. -
Aim for high-value redemptions.
Focus your Aeroplan redemptions on routes and cabins that give you strong cents-per-point value: business class to Europe or Asia, long-haul partners, or peak cash-fare periods when award tickets are relatively cheaper. -
Stack partner and status benefits.
Combine card benefits (priority services, lounge access, NEXUS rebate) with Aeroplan Elite Status advantages and partner perks (Avis Presidentâs Club, hotel status) to get more total value from the same trips.
Insurance & benefits
Included coverage
- Travel Medical Insurance for out-of-province/country trips:
- Up to $5 million in emergency medical coverage per insured person.
- Covers the first 31 consecutive days of a trip if you (or your spouse) are under 65.
- Covers the first 4 consecutive days if you (or your spouse) are 65 or older.
- Top-up coverage is available if youâre travelling longer than the included days.
- Trip Cancellation & Interruption Insurance:
- Trip cancellation coverage up to $2,500 per insured person, maximum $5,000 per trip.
- Trip interruption coverage up to $5,000 per insured person, maximum $25,000 per trip for all insured persons.
- Flight/Trip Delay Insurance â up to $1,000 in coverage if your flight or trip is delayed more than 4 hours, to cover accommodations, meals and incidentals.
- Delayed & Lost Baggage Insurance:
- For delayed baggage (over 4 hours), up to $1,000 per insured person for essentials like clothing and toiletries.
- For lost baggage, up to $2,500 per insured person.
- Common Carrier Travel Accident Insurance â up to $500,000 coverage for covered losses while travelling as a passenger on a common carrier such as a plane, train, bus or ferry.
- Auto Rental Collision/Loss Damage Insurance â coverage for theft, loss or damage to rental vehicles up to the manufacturerâs suggested retail price limit when you decline the rental agencyâs CDW and charge the full cost to your card (for rentals up to 48 consecutive days).
- Hotel/Motel Burglary Insurance â up to $2,500 per occurrence for eligible personal items stolen from your hotel or motel room while travelling.
- Emergency Travel Assistance Services â 24/7 access to help with medical referrals, lost documents, translation assistance and more when youâre away from home.
- Mobile Device Insurance â up to $1,500 of coverage for eligible smartphones and tablets in the event of loss, theft, accidental damage or mechanical breakdown when the device is purchased or financed with the card.
- Purchase Security & Extended Warranty â automatic protection for eligible items purchased with your card against loss, theft or damage for up to 120 days, plus extension of the manufacturerâs warranty for up to an extra 24 months.
Travel & lifestyle perks
- Maple Leaf Lounge access: Primary and additional cardholders enjoy unlimited access to Air Canada Maple Leaf Lounges in North America with a same-day Air Canada or Star Alliance ticket, and can each bring one guest.
- Visa Airport Companion (DragonPass) membership with 6 complimentary lounge visits per cardholder per membership year at 1,200+ lounges worldwide.
- Priority airport services: Priority check-in, boarding, baggage handling, standby and upgrade priority for you and up to 8 companions on Air Canada itineraries.
- Annual Worldwide Companion Pass from $99 (plus taxes, fees and surcharges) after $25,000 annual card spend.
- NEXUS fee rebate: Up to $100 back on a NEXUS application once every 48 months, available to both primary and additional cardholders.
- Aeroplan Elite Status boosts: Status Qualifying Miles/Segments earned from credit card spending, plus the ability to roll over Status Qualifying Miles and enjoy extended eUpgrade validity (subject to evolving Aeroplan rules).
- Avis Presidentâs Club upgrade: Complimentary status that unlocks two-car-class upgrades (when available), expedited service and more at participating locations.
- Visa Infinite Privilege experiences: Dining Series events, the Luxury Hotel Collection with elite-style hotel perks, Wine Country benefits, film festival offers, Troon golf savings and RSVP Rewards hotel status.
- Security features: Chip & PIN, Visa Secure for online purchases, TD Fraud Alerts via SMS and the ability to lock your card or block international purchases via the TD app.
All insurance coverages are subject to detailed terms, conditions, eligibility criteria, exclusions and limits outlined in the official Certificate of Insurance and benefits guides. Always review those documents carefully and contact the insurer or TD if you have questions about specific scenarios before you travel or rely on the coverage.
Rates & fees
| Annual fee | $599 for the primary cardholder. A partial annual fee rebate may be available when you hold a TD All-Inclusive Banking Plan. |
|---|---|
| Additional cards | $199 per additional cardholder per year. |
| Purchase APR | 21.99% on purchases. |
| Cash advance APR | 22.99% on cash advances and most balance transfers, starting from the transaction date. |
| Installment purchases | TD may periodically offer promotional installment or payment plan options on purchases; otherwise, standard revolving credit terms apply. |
| Cash advance limit | Emergency cash advances may be available up to $5,000, subject to your available credit and TDâs daily limits. |
| Grace period | At least a 21-day interest-free grace period on new purchases when you pay your statement balance in full by the due date. No grace period applies to cash advances or balance transfers. |
| Minimum payment | Generally a small percentage of your statement balance (including interest and fees) or a fixed dollar amount, plus any past-due amounts, subject to TDâs current minimum payment rules and provincial regulations. Check your cardholder agreement for precise details. |
| Foreign transaction fee | 2.5% on purchases in foreign currencies, added on top of the Visa exchange rate. |
| Income requirement | Typically requires a minimum $150,000 personal or $200,000 household annual income, plus meeting TDâs credit-approval criteria. |
Best for
- âď¸ Frequent Air Canada and Aeroplan flyers who can take full advantage of Maple Leaf Lounge access, priority services and companion passes.
- đ Canadians who regularly take international trips and want premium travel insurance, NEXUS, and better airport experiences.
- đź High-income professionals and business owners who can comfortably meet the income and spending requirements.
- đ¨âđŠâđ§âđŚ Families who travel together and value perks that extend to multiple companions on the same reservation.
- đŞ Aeroplan enthusiasts who understand how to squeeze maximum value from Aeroplan points and elite-status perks.
Where it falls short
- Very high annual fee and additional card fees mean you need to use the benefits heavily to come out ahead.
- Strict income requirements make it inaccessible to many otherwise engaged travellers.
- Rewards and perks are concentrated in the Air Canada/Aeroplan ecosystem; if you mostly fly other airlines, value is limited.
- Complexityâcompanion passes, tiered welcome bonus, elite-status boosts and multiple lounge programs can be overwhelming.
- 2.5% foreign transaction fee is standard but disappointing on a premium travel card.
- As always, carrying a balance at ~22% interest quickly destroys the value of any rewards or benefits.
Customer reviews
Positive feedback
âI fly Air Canada for work and family trips, and this card basically upgrades the whole experienceâMaple Leaf Lounges, priority lines, plus the NEXUS rebate. The companion pass saved us a ton on one Europe trip alone.â
âThe earn rates are great for someone who spends a lot on travel, dining and groceries. I redeemed my welcome bonus for business class seats to Europe and got well over 2 cents per point in value.â
Critiques
âThe $599 annual fee is hard to stomach if youâre not flying several times a year. I had one year where I barely travelled and it was tough to justify renewing.â
âThere are a lot of moving partsâstatus credits, rollover, lounge visits, companion passes. You really need to pay attention to get the full value out of this card.â
Community insights
In the Canadian points-and-miles community, the TD Aeroplan Visa Infinite Privilege is considered one of the top ultra-premium airline cards. It frequently wins awards and shows up in âbest ofâ lists for serious Air Canada flyers. Many enthusiasts pair it with a lower-fee everyday card or a flexible-points card, using this one specifically for Air Canada purchases, premium-category spending, lounge access, NEXUS, and elite-status benefits. For the right person, itâs a powerhouseâthough almost everyone agrees itâs overkill if you only fly once or twice a year.
AI review (straight talk)
This is not a casual card. Itâs expensive, itâs complex, and itâs unapologetically designed for people who actually fly Air Canada and care about the points game. If thatâs you, the TD Aeroplan Visa Infinite Privilege can absolutely deliver outsized valueâespecially if you use the lounges, NEXUS rebate, companion passes and insurance on top of the points.
If you mostly travel within Canada a couple of times a year, prefer low fees, or donât have much interest in Aeroplan optimization, youâre probably better served by a lower-fee Aeroplan Visa Infinite or a flexible travel rewards card. Think of this as a âfrequent-flyer toolkitâ: brilliant when used well, unnecessary if your travel life is more occasional.
Alternatives & comparison
| Card | Annual Fee | Top Categories / Earn | Other Purchases | Key Perks | Best For |
|---|---|---|---|---|---|
| TD Aeroplan Visa Infinite Privilege | $599 | 2Ă Aeroplan on Air Canada; 1.5Ă on gas, EV, groceries, travel, transit & dining | 1.25Ă Aeroplan per $1 | Unlimited Maple Leaf Lounge access in North America, 6 global lounge visits, NEXUS rebate, companion pass, premium insurance | High-income frequent Air Canada/Aeroplan travellers |
| TD Aeroplan Visa Infinite | Lower (around $139) | Elevated Aeroplan earn on Air Canada, gas, groceries and Air Canada Vacations | 1Ă Aeroplan per $1 | First checked bag free, some Air Canada benefits, solid insurance | Regular Aeroplan users who donât need ultra-premium perks |
| American Express Aeroplan Reserve | Similar premium range | High multipliers on Air Canada and travel categories | Elevated base earn | Strong Air Canada perks, Maple Leaf Lounge access, Priority Pass lounges | Frequent flyers comfortable with Amex acceptance and fee level |
| RBC Avion Visa Infinite Privilege | Similar premium range | Elevated Avion points on travel and everyday spend | Strong base earn rate | Flexible points, transfer partners, premium insurance, lounge access | Travellers who want flexibility beyond Aeroplan |
| Typical mid-tier travel rewards card | $120â$150 | 2â3Ă points on travel and select categories | 1â1.5Ă points per $1 | Basic to moderate insurance, limited or no lounge access | Travellers who want perks and rewards without ultra-premium pricing |
FAQ
What is the annual fee for the TD Aeroplan Visa Infinite Privilege Card?
The annual fee is $599 for the primary cardholder and $199 per additional cardholder. Primary cardholders with an eligible TD All-Inclusive Banking Plan may receive a partial annual fee rebate each year.
What are the interest rates on this card?
The standard interest rate is 21.99% on purchases and 22.99% on cash advances and most balance transfers. These rates can change, so itâs important to confirm current APRs with TD before applying.
How does the rewards program work?
You earn 2 Aeroplan points per $1 on eligible Air Canada and Air Canada Vacations purchases, 1.5 points per $1 on eligible gas, EV charging, groceries, travel, transit and dining, and 1.25 points per $1 on all other purchases. You can then redeem Aeroplan points for flights, seat upgrades, hotels, car rentals and more with Air Canada and its partners.
What is the current welcome bonus?
TDâs current special offer includes up to 85,000 Aeroplan points, typically broken down into a first-purchase bonus, a bonus after reaching a spend threshold in the first 180 days, and an anniversary bonus after reaching a 12-month spend threshold. The exact structure and timelines can change, so always check TDâs website for the latest offer before you apply.
Does this card include airport lounge access?
Yes. Primary and additional cardholders receive unlimited access to Air Canada Maple Leaf Lounges in North America for themselves and one guest when travelling on a same-day Air Canada or Star Alliance flight. In addition, each cardholder receives 6 complimentary lounge visits per membership year through the Visa Airport Companion program powered by DragonPass.
Is there a NEXUS rebate with this card?
Yes. The TD Aeroplan Visa Infinite Privilege offers a NEXUS application fee rebate of up to $100 every 48 months for the primary cardholder and additional cardholders, when the NEXUS fee is charged to the card.
What travel insurance is included?
The card provides up to $5 million in emergency medical coverage for trips up to 31 days (4 days if you or your spouse are 65+), plus trip cancellation and interruption coverage, flight and trip delay coverage, delayed and lost baggage insurance, common-carrier travel accident insurance, rental car collision/loss damage coverage, hotel/motel burglary insurance, mobile device insurance and purchase/extended warranty protection. Coverage specifics are detailed in the Certificate of Insurance.
Who should consider the TD Aeroplan Visa Infinite Privilege Card?
This card is best suited to high-income Canadians who fly Air Canada or Star Alliance multiple times per year, value premium airport and travel perks, and are comfortable optimizing Aeroplan points and elite-status benefits. If you rarely travel or prefer a lower fee, a mid-tier Aeroplan or flexible travel card will likely be a better fit.
Final verdict & ratings
Our take The TD Aeroplan Visa Infinite Privilege is a true ultra-premium credit cardâexpensive, powerful and absolutely not for everyone. But for the right Aeroplan-focused traveller, it can deliver tremendous value through its combination of elevated earn rates, big welcome bonus, Maple Leaf Lounge access, global lounge visits, NEXUS rebate, companion pass and elite-status boosts.
If you donât fly Air Canada often, or you dislike juggling multiple perks and conditions, this card is probably too much card for you. On the other hand, if youâre regularly in the air, enjoy lounges, want smoother airport experiences and are comfortable chasing Aeroplan sweet spots, the TD Aeroplan Visa Infinite Privilege can easily earn its place in your walletâand justify its hefty annual fee.
| Overall | â â â â â 4.4 / 5 |
|---|---|
| Rewards value | 4.6 / 5 â outstanding for Air Canada and travel-heavy spenders; solid 1.25Ă floor on everything else. |
| Benefits & protections | 4.8 / 5 â top-tier lounges, NEXUS rebate, companion pass and premium insurance make it a powerhouse. |
| Fees & costs | 3.6 / 5 â very high annual fee and standard FX surcharge mean you must use the perks heavily to come out ahead. |
| Ease of approval | 3.0 / 5 â stringent income requirements and premium pricing limit it to a relatively small segment of Canadians. |
