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TD® Aeroplan® Visa Infinite Privilege* Card Review

Last Updated on January 4, 2023

Review of the card voted as the best Ultra Premium Card in Canada

TD Aeroplan Visa Infinite Privilege Card

The TD® Aeroplan® Visa Infinite Privilege* Card was recently voted as the best Ultra Premium credit card in Canada by readers of Rewards Canada in our 2022 Canada's Choice awards. Now it receive the Rewards Canada review treatment!

The review of the TD Aeroplan Visa Infinite Privilege Card is broken down into the following sections:


The TD® Aeroplan® Visa Infinite Privilege* Card is a card targeted towards Canadians who love to travel with Air Canada and want to avail of benefits that can make that travel more enjoyable. From providing the airport lounge access including Maple Leaf Lounges in North America to Priority Boarding and the ability to earn an annual companion pass, this card was developed with the Air Canada traveller in mind. That being said you don't have to be a frequent Air Canada traveller to have this card - if you fly Air Canada even just several times per year the card could make sense for earning more Aeroplan points and taking advantage of the travel benefits for your flights.

Costs & Sign up Features

The TD Aeroplan Visa Infinite Privilege Card has an annual fee of $599. This may seem high however it is more than made up for with all the benefits and earning potential the card provides. You can add additional cardholders for $199 annually and those supplementary cardholders will avail of all the same benefits as the primary cardmember like lounge access etc.

Right now the TD Aeroplan Visa Infinite Privilege Card is offering a welcome bonus of up to 115,000 Aeroplan points. The bonus is awarded as 20,000 points when you make your first purchase card and then 60,000 Aeroplan points when you spend $7,500 within 180 days of Account opening. You can earn an additional 35,000 points when you spend $12,000 within 12 months of Account opening. This offer is available until September 5, 2023. This offer is not available for residents of Quebec. For Quebec residents, please click here.

Income requirements for the card are $150,000 annual personal income or $200,000 annual household income.


The card earns Aeroplan points and earns those points as follows

  • 2 Points per dollar spent on Air Canada Purchases (includes Air Canada Vacations)
  • 1.5 Points per dollar spent on eligible gas, grocery, travel and dining purchases
  • 1.25 Points per dollar spent on all other eligible purchases

The card also provides the ability to earn status points and segments that help you qualify for Air Canada Elite Status. You'll earn 1,000 Status Qualifying Points and 1 Status Qualifying Segment for every $5,000 spent on the card.

Point Valuation Chart

Spending Category Points earned per dollar spent Effective Rate of return (Travel) *
Air Canada 2 3% to 10+%
Gas, grocery, dining, travel 1.5 2.25% to 7.5+%
All other spending 1.25 1.88% to 6.25+%
* This is a very low minimum valuation. In most cases you should be able to easily pull more value than this especially if you redeem for business class or first class flights.


This is where the strength of the Air Canada Aeroplan program comes through and makes the TD Aeroplan Visa Infinite Privilege Card shine. Aeroplan offers numerous redemption options but being a frequent flyer program the primary redemption option is reward flights on Air Canada and Aeroplan partner airlines. Overall you can redeem Aeroplan points to well over 1,300 destinations Worldwide which is one of the reasons Aeroplan is so popular.

The new Aeroplan program has done away with their standard award charts (Classic Flights) that were the norm with the program since its inception in the 1980s. That being said, for travel on Air Canada, they do provide a range of points you could expect to redeem for flights on Air Canada with the claim that approximately 80% of redemptions will fall in that range but 20% could end up being less or more than what is published. Essentially what Air Canada has done is made the old Market Fare awards (any available seat at any time for a dynamic range of points) as their standard redemption model now for Air Canada flights. Flights on partner airlines will still follow a fixed price reward chart model. You can see all the redemption values in this PDF here.

What hasn't changed in the Aeroplan program is the ability to redeem for Economy, Premium Economy, Business and First Class flights. With the latter three tending to provide outsized value when you compare to any other loyalty program in the market. Speaking of premium flights, just in case you didn't know you can redeem Aeroplan points to fly in Etihad's ultra luxurious Apartment first class seats. And the great news with the TD Aeroplan card (or any Aeroplan co-brand card) is that you receive preferred award pricing when you redeem points for flights. This discount varies by route, date, time etc. but we have seen it in the 10 to 30% range. The discount gets slightly bigger if you have Air Canada elite status but that only adds a few percentage points to the overall discount - the biggest portion does come from having the credit card.

On top of all this the new Aeroplan program no longer has to those dreaded carrier surcharges that could run into hundreds and sometimes thousands of dollars. While the surcharges have been done away on all airlines Aeroplan does charge a reasonable $39 fee for booking flights on partner airlines. The removal of the surcharges does however translate into an average higher cost in points for a lot of the redemption options albeit in many of our searches the increase in points is much less than what you used to have to pay for those surcharges.

We didn't want to make this review go on forever so we have kept the redemption section to a very top level description however it you want to learn more about redeeming for flights with the Aeroplan program we recommend reading the following articles:

Finally you are also able to redeem Aeroplan points for non-flight rewards including hotels, car rentals, Air Canada Vacations packages, gift cards (soon to be electronic only so you'll get them right away!), merchandise (the catalog is being expanded greatly thanks to partnerships with new retailers) and more.

Features and Benefits

The TD Aeroplan Visa Infinite Privilege Card is full of benefits and additional features that complement and go beyond the Aeroplan program. Some have already been mentioned - the preferred pricing on Aeroplan reward flights is one such benefit. As well as the elite status earning portion of the card and now will take a look at more of the benefits.

First Checked Bag Free on Air Canada flights

Probably the most popular benefit that has been added to all Aeroplan co-brand cards is the first checked bag free benefit. It is provided for the cardholder and up to 8 companions on the same reservation and it waives the fee associated with basic and standard economy class fares. This saves the cardholder $30 per bag on flights in Canada, to the U.S., Mexico & Caribbean. It will also save $70 per bag if you buy the cheapest economy basic fares to Europe. (Pricing was current as of November 2, 2022)

Share Air Canada Travel Benefits with additional cardholders

If you choose to add the fee based additional cards at $199 each those cardmembers will receive all the same Air Canada Travel Benefits as the primary cardholder. Note: the Priority Pass benefit is not extend to additional cardholders.

Airport Lounge Access

The card provides access to over 1,300 business class lounges in over 130 countries around the world. The lounge access benefits are as follows

  • Maple Leaf Lounges: Cardmembers have complimentary access for themselves and one guest to Maple Leaf Lounges (including the Air Canada Cafe) in North America. Access is available with a same day ticket on a departing Air Canada or Star AllianceTM flight.
  • Visa Airport Companion Program hosted by Dragonpass - Includes six (6) free visits annually. After you use up the 6 free visit you can pay US$32 per person to access lounges
Priority check in / boarding / baggage

The card provides Priority Check In for the cardmember and up to 8 guests on the same reservation. Priority Boarding falls into the Zone 2 Category for Air Canada flights and Priority Baggage will see your luggage come out first at your destination.

Priority airport standby

By having the TD Aeroplan Visa Infinite Privilege Card should a seat becomes available on a full-capacity flight, you’ll have priority access over other travelers with the same Aeroplan status and fare type

Priority airport upgrades

Elite or Super Elite status Cardmembers will receive higher priority when requesting eUpgrades by holding the TD Aeroplan Visa Infinite Privilege Card.

Annual worldwide companion pass

An Annual Worldwide Companion Pass is awarded after the primary cardmember spends more than $25,000 on net purchases in the 12 months prior to their Card anniversary date.

The pass can be used for travel to anywhere Air Canada flies with companion paying only $99 for flights in Canada & Continental U.S., $299 for Hawaii, Caribbean, Central America and Mexico, $499 for Africa, Europe, Middle East and South America, $599 for Asia, Australia and New Zealand. Taxes and fees are extra on top of those amounts

Rollover status qualifying miles

Primary Cardmembers who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQMs) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.

Rollover eUpgrade credits

Primary Cardmembers who also hold Aeroplan Elite Status and re-qualify for the next year, can roll over up to 50 unused eUpgrade credits, to be used during the following status year.

NEXUS Statement Credit

With the TD Aeroplan Visa Infinite Privilege Card you can receive up to $125 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Card.

Visa Infinite Privilege benefits
  • Visa Infinite Privilege Airport Benefits Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport
    - Priority Security Lanes at International and Domestic checkpoints (Toronto, Vancouver, Ottawa, Montreal-Trudeau)
    - Priority airport taxi and limo lane (Vancouver) - Access to dedicated premium parking spots (Vancouver, Ottawa)
    - Up to 20% off parking (Ottawa, Vancouver, Montreal-Trudeau)
  • Visa Infinite Luxury Hotel Collection provides benefits like room upgrades, complimentary Wi-Fi and breakfast, late checkout, and so much more at over 900 Visa Infinite Luxury Hotel Collection properties around the world.
  • Visa Infinite Dining Series - Each event includes multi-course meals, drink pairings and an interactive experience. You'll get to taste dishes from some of the country's top chefs and restaurants as they guide you through each course.
  • Wine country benefit from wineries across Ontario and British Columbia including complimentary tastings and tours. You can also get access to online offers like complimentary shipping and savings on wine purchases.
  • Get golf perks with Troon Rewards® through your Visa Infinite card and automatically receive Silver Status. You’ll save 10% on golf fees, merchandise, and lessons at over 150 courses around the world.
  • Access to private movie events and at-home offers as part of the Visa Infinite Screening Series. In the fall, get special perks at the Toronto International Film Festival®.
  • Visa Infinite Privilege cards include a Complimentary Concierge service that can offer help with anything like the perfect travel itinerary, restaurant recommendations, finding the perfect birthday gift, and more
  • RSVP Rewards Diamond Status: Enroll in the Visa RSVP Rewards Benefit and automatically receive Diamond status delivering benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.


The TD Aeroplan Visa Infinite Privilege Card comes with a very strong insurance package that includes the following:

  • Out of Province/Country Emergency Medical Insurance (31 days under 65, 4 days 65+)
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost or Stolen Baggage Insurance
  • Car Rental Theft and Damage Insurance
  • Hotel Burglary Insurance
  • $500,000 Travel Accident Insurance
  • Purchase Protection Plan
  • Buyer's Assurance Protection Plan
  • Mobile Device Insurance

What is good about this card

Most things about this card good or even great!

The welcome bonus is great - at up to 105,000 Aeroplan points it is the highest available for Aeroplan co-brand cards. Those 105,000 points will be worth a minimum of $1,575 for most cardmembers if not more.

On the points side, you have really good earn rates of no less than 1.25 Aeroplan points per dollar spent. From our Point Valuation chart above you can see that your effective rate of return per dollar spent should range from 1.88% to over 10%. This is all dependent on what sort of flights you redeem for but you won't find many cards giving potential returns like that!

The benefits, we spent a lot of time discussing them above but should point out the most popular and best are the first checked bag free and the Maple Leaf Lounge access.

Being a Visa card you can count on the card being accepted almost everywhere - the only big name merchant not accepting Visa in Canada is Costco. Outside of that you should be golden having this card accepted!

What is not so good about this card

There isn't too much that is bad about this card outside of your traditional frequent flyer program issues. In fact the issues lie more with Aeroplan than the card itself. There is less flexibility when it comes to economy class flights when you compare Aeroplan to many of the proprietary credit card reward programs. Some of the other top programs allow you to book flights on any airline at anytime including low cost airlines such as Flair Airlines. You are strictly limited to redeeming on Air Canada and their partner airlines. In terms of business or first class pricing - the dynamic pricing of late has seen some very high points requirements that can put these awards out of reach.

Although you have access to any available seat at any time you are still competing for a more finite amount of seats and routes when compared to any airline any flight credit card programs. Want to redeem for travel during Christmas season? You'll be up against a lot of other Aeroplan members and regular revenue ticket buyers which will most likely bump up the cost in points for those flights. That's the one downfall there is the potential to have to spend a lot of Aeroplan points for the redemption you want due to the dynamic pricing of reward flights (but on the flip side it can be the opposite)

The $599 annual fee is definitely something to consider - it is on the higher end of publicly available cards in Canada. If you cannot avail of the benefits this card provides it can be hard to justify that high of fee. You may want to look at the Premium level of Aeroplan cards that have annual fees under $200.

While the earn rates are really decent if you are all about earning the most Aeroplan points possible there are cards in the market that can earn even more than this card. Namely the American Express Cobalt Card and ideally if you want an awesome card combo for flying with Air Canada and earning the most points possible you would get the Cobalt Card in addition to the TD Aeroplan Visa Infinite Privilege Card.

Who should get this card

  • Individuals, couples or families who fly Air Canada semi-frequently but not enough to have status benefit but want their experience flying with Air Canada elevated with Priority Boarding, Lounge Access, First checked bag free etc.
  • Air Canada flyers / Aeroplan members who don't have lounge access and want to visit Maple Leaf lounges in North America
  • Aeroplan Elite Status members who may come up shy of reaching the next elite level from their flying alone
  • People who have a lot spend in non-accelerated categories. Being able to receive 1.25 Aeroplan points as your base earn rate can translate to some outsized returns when redeeming for business class or higher flights.


If Air Canada and Aeroplan are your go to airline and loyalty program and you want extra benefits when you fly with them, this card which was voted as the Top Ultra Premium Card for 2022 should be your choice. With strong points earn rates, amazing benefits and a full suite of insurance coverage this card has you covered. You'll access Maple Leaf lounges in major Canadian cities and several US cities, get priority boarding and more. Basically you are getting elite status benefits without the need for being an elite status member.

Latest card details:

TD Aeroplan Visa Infinite  PrivilegeCard Top Ultra Premium Credit Card

TD® Aeroplan® Visa Infinite Privilege* Card

Canada's Choice for Top Ultra Premium Credit Card 2022
Earn up to $3,100 in value† including up to 115,000 Aeroplan points†.
Conditions Apply. Must apply by September 5, 2023.

Annual Fee $599 | Additional Cards: $199 † | Annual interest rate 20.99% on purchases and 22.99% on funds advances | $150,000 annual personal income or $200,000 annual household income

Terms & Conditions apply

Earn up to $3,100 in value† including up to 115,000 Aeroplan points and additional travel benefits. Must apply by September 5, 2023.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
  • Earn an additional 60,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
  • Plus, earn an anniversary bonus of 35,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
  • Enroll for NEXUS and once every 48 months get an application fee rebate†
  • Share first free checked bags with up to 8 travel companions†and get unlimited access to Maple Leaf Lounges† including complementary access for one guest.

  • Earn Aeroplan Points on your everyday purchases
  • Take advantage of an extensive suite of travel insurance.
  • Get access to Priority Airport Services† like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades†.
  • 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 (www.aeroplan.com/estore)

  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)†.
  • 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.

This offer is not available for residents of Quebec. For Quebec residents, please click here .

† Terms and Conditions apply.

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Other cards to consider if you are looking at this card:

American Express® Aeroplan®* Reserve Card
The Platinum Card from American Express
CIBC Aeroplan® Visa Infinite Privilege* Card
RBC Avion Visa Infinite Privilege Card

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