TD Aeroplan Visa Infinite Card Privilege Card Review

3.00

$599.00

Annual Fee

$666.00

Annual Rewards

115,000 points

Intro Offer

$599.00

Annual fee

$666.00

Annual rewards

115,000 points

Intro offer


Pros


  • Earns Aeroplan points on every purchase
  • Welcome bonus offer for new cardholders
  • Comprehensive travel insurance coverage
  • Complimentary Priority Pass membership
  • Global airport lounge access
  • Air Canada travel benefits

Cons


  • Higher annual fee compared to other Aeroplan cards
  • Minimum income requirement for eligibility
  • Not ideal for those who don’t regularly travel with Air Canada

How you earn rewards

Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With TD Aeroplan Visa Infinite Card Privilege Card, here’s how you earn rewards:

Gas1.5 points
Groceries1.5 points
Restaurants / Delivery1.5 points
Specific Stores2 points
Travel1.5 points
All Other Spend1.25 points

How much your rewards are worth

The dollar value of your rewards depends on the specific TD rewards program and what you choose to redeem your points for.

For TD Aeroplan Visa Infinite Card Privilege Card in particular, if you spend $2,000.00 per month, here’s our estimated rewards earned depending on which reward you choose:

Redemption methodAnnual rewards
Transfer to partner hotels$273.06
Gift cards$236.43
Merchandise$246.42
Car rentals$299.70
Flight rewards$666.00
Air Canada gift cards$333.00
Air Canada vactions$276.39

Calculating your annual rewards

$24,000.00 annual spending x $2.78% return on spending = $666.00 annual rewards

$666.00 annual rewards – $599.00 annual fee = $$67.00 net annual rewards

Details and eligibility

Do I qualify?
Estimated Credit Score760 – 900
Personal Income$150,000.00
Household Income$200,000.00
Interest Rates
Purchase20.9%
Cash Advance22.9%
Balance Transfer22.9%
Fees
Annual Fee$599.00
Extra Card Fee$0
Card typeVisa

Insurance coverage

Extended Warranty2 years
Purchase Protection120 days
Travel Accident500000
Emergency Medical Term31 days
Emergency Medical over 654 days
Trip Cancellation2500
Trip Interruption5000
Flight Delay1000
Baggage Delay1000
Lost or Stolen Baggage2500
Rental Car Theft & DamageYes
Hotel Burglary2500

TD Aeroplan Visa Infinite Card Privilege Card Review

When it comes to the TD Aeroplan Visa Infinite Privilege Card, it is important for potential cardholders to understand its earning potential, benefits, and potential drawbacks. With this review, we aim to paint a comprehensive picture of this credit card offering.

1. Earning Potential with the Card:
With the TD Aeroplan Visa Infinite Privilege Card, cardholders earn Aeroplan points for their spending. Rewards can be earned at the following rates:

  • 1.5 Aeroplan points for each dollar spent on eligible gas, grocery, travel, and dining purchases
  • 1.25 Aeroplan points for each dollar spent on all other eligible purchases

2. Benefit 1: Extensive Travel Insurance Coverage
The TD Aeroplan Visa Infinite Privilege Card offers a comprehensive suite of travel insurance benefits as a significant advantage. Coverage includes emergency medical insurance, trip cancellation and interruption insurance, flight delay insurance, lost and delayed baggage insurance, and more. This can provide peace of mind to travellers and has the potential to save cardholders money on buying individual insurance policies.

3. Benefit 2: Priority Airport Services
As a cardholder of the TD Aeroplan Visa Infinite Privilege Card, you will have access to priority airport services such as Air Canada Priority Check-In, Priority Boarding, and access to Maple Leaf Lounges when travelling on flight rewards. This brings a touch of luxury and convenience to your air travel experience.

4. Benefit 3: Annual Partner Ticket Benefit
One valuable perk that comes with this card is the Annual Worldwide Companion Pass. With this benefit, cardholders can purchase a round-trip companion ticket for as low as $99 (plus taxes, fees, and surcharges) when they book a round-trip flight with Air Canada for themselves. This could represent significant savings for couples or families travelling together.

5. Benefit 4: Aeroplan Elite Status Qualification Boost
The TD Aeroplan Visa Infinite Privilege Card offers cardholders the opportunity to earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible net purchases charged to their account. This can help to fast-track their path towards a higher Air Canada Aeroplan Elite Status, yielding even more travel benefits.

6. Drawback 1: Annual Fee
A significant drawback of this card is its $599 annual fee. This cost is relatively high compared to many other rewards-focused credit cards on the market. This fee may be more of a consideration for those who don’t travel extensively or are uncertain about the value of the card’s benefits for their needs.

7. Drawback 2: Minimum Annual Income Requirement
Another significant drawback of this card is the relatively high minimum annual income requirement for approval. Applicants must have an annual personal income of at least $200,000 or an annual household income of at least $300,000. This requirement may exclude some potential cardholders from applying or being approved for the card.

8. Additional Information:
Cardholders can also receive a welcome bonus of up to 50,000 Aeroplan points (subject to meeting specific spending requirements) and receive an annual Air Canada Travel Benefits Bundle, which includes four complimentary one-time use Maple Leaf Lounge passes, four complimentary checked bags, and more.

In conclusion, the TD Aeroplan Visa Infinite Privilege Card offers significant travel benefits and earning potential for those who can meet the income requirements and don’t mind the hefty annual fee. With priority airport services, travel insurance, and the opportunity to earn Aeroplan points, this card could be a valuable tool for those who frequently travel with Air Canada or their partners.

Interested in other credit cards? If the TD Aeroplan Visa Infinite Card Privilege Card credit card isn’t perfect for you, you might want to consider the TD Cash Back Visa Card. Plus, many Canadian’s that like the TD Aeroplan Visa Infinite Card Privilege Card like the MBNA Smart Cash Platinum Plus MasterCard, and the MBNA True Line MasterCard.

FAQ

With the TD Aeroplan Visa Infinite Privilege Card, cardholders can redeem their Aeroplan points for a wide variety of rewards. The primary focus is on travel-related rewards, such as:

  • Flight rewards with Air Canada and other participating airlines
  • Cabin upgrades on eligible flights
  • Car rentals and hotel stays
  • Vacation packages

In addition to travel-related rewards, Aeroplan points can also be redeemed for:

  • Gift cards from popular retailers
  • Merchandise, including electronics, fashion, and home goods
  • Exclusive event, dining, and entertainment experiences
  • Donations to charitable organizations

To maximize your potential rewards and explore the full range of redemption options, visit the Aeroplan website and browse through their extensive catalogue. Keep in mind that point values and redemption minimums may vary depending on the specific reward selected.

The TD Aeroplan Visa Infinite Privilege Card does have foreign transaction fees. For each foreign currency transaction made with the card, a fee of 2.5% is imposed. This includes purchases in foreign currencies converted into Canadian dollars and transactions made outside of Canada in Canadian dollars.

Yes, the TD Aeroplan Visa Infinite Privilege Card has a minimum income requirement. The card requires a minimum annual personal income of $200,000 or a minimum annual household income of $200,000.

Key benefits

  • 19.99% purchase interest rate
  • 22.99% cash advance rate
  • Annual fee: $599
  • Income requirement: $200,000 (individual or household)
  • Earn 1.5 Aeroplan points per $1 spent on gas, groceries, drugstore purchases, and aircanada.com bookings
  • Earn 1.25 Aeroplan points per $1 on all other purchases
  • Welcome bonus: Up to 50,000 Aeroplan points and Aeroplan Elite Status (terms and conditions apply)
  • NEXUS fee reimbursement
  • Priority check-in, boarding, and baggage handling with Air Canada
  • Companion ticket discounts
  • Dedicated reservation hotline
  • Enhanced visa Infinite benefits (concierge, dining, and travel perks)
  • Travel insurance: Trip cancellation, trip interruption, emergency medical & dental, flight delay, lost/damaged luggage, and car rental collision/loss damage coverage
  • Purchase security and extended warranty protection

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