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TD® Aeroplan® Visa Infinite* Card Review Posted on February 26, 2014
Last Updated: February 17, 2021

 

One of the most popular travel rewards credit cards in Canada, the TD® Aeroplan® Visa Infinite* Card was first reviewed by Rewards Canada in 2014 when it was introduced. For the better part of six years the card didn't change very much but then we saw the entire Air Canada Aeroplan saga transpire for numerous years which culminated in Air Canada buying Aeroplan back from Aimia and launching a whole new Aeroplan in November of 2020 along with refreshed credit card offerings. This mainstay Aeroplan card from TD underwent many changes for the new program and thus the need for this updated review.

If you want to see what the old card was like read our TD Aeroplan Visa Infinite Review (Old 2014 version)

Overview

The TD Aeroplan Visa Infinite Card hit the market on January 1st, 2014 when TD took over as the primary issuer of Aeroplan co-brand cards in Canada from CIBC. The current version of the card was revealed on November 8, 2020 to coincide with the launch of the new Aeroplan program. The new card saw quite a few changes take place that ultimately made the card even better than version 1.0. Also with the launch of the new Aeroplan program we decided to re-classify its co-brand cards as airline cards once again in our Top Travel Rewards Credit Card rankings as we dissolved the coalition program category. Hence this card returned to top spot in the Airline category, a position it held from 2014 to 2017 and yes it continues to be the best airline credit card in Canada.

Recommended reading: The New Air Canada Aeroplan Program All the resources you need

Costs & Sign up Features

The TD Aeroplan Visa Infinite Card comes with a $139 primary card annual fee however with the current promotion that fee is rebated in the first year. The annual fee is higher than the old card's $120 charge however the card does come with more benefits and in fact we are starting to see more of these premium cards bump up their annual fees from that $120 we have all become accustomed to. Supplementary cards are now $75 each up from the previous $50 however again these additional cards do come with additional benefits.  Additional cardholder's (up to 3) annual fee is also rebated in the first year with the current promotion on the card that runs until May 30, 2021. Remember if you have a TD All Inclusive Bank account you can have the annual fees rebated on the cards.

Right now the welcome bonus on the card offers up to 20,000 Aeroplan Points and a bonus Buddy Pass. These are over and above the annual fee rebates already mentioned. We value the 20,000 Aeroplan Points at no less than $240 but they are typically worth much more than that and the bonus Buddy Pass at $300, again it can provide much more value than that however. Offer ends May 30, 2021.

Recommended Reading: The Air Canada Buddy Pass explained and evaluated

Here is how you can earn the current welcome bonus points and bonus Buddy Pass:

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
  • Earn 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening, up to a total of 20,000 points
  • As a new Cardholder, your bonus Buddy Pass can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass, when you spend $1,000 within 90 days of Account opening, and you have a whole year to use it

The interest rate on the card is 19.99% on purchases. 22.99% on cash advances and balance transfers. These rates are equivalent to or below many cards at this level. The minimum annual income requirements for the card are $60,000 personal or $100,000 household.

Earning

The card earns Aeroplan points and earns those points as follows

1.5 points per eligible dollar spent Air Canada Purchases (includes Air Canada Vacations), Grocery purchases and Gas Station purchases.

1 point
per dollar spent on all other spending

For a limited time, earn 1.5 bonus Aeroplan points for each $1 spent on eligible purchases at participating Starbucks® locations17. Conditions Apply. Offer ends November 7, 2021.

These earn rate are similar to the old TD Aeroplan Visa Infinite card albeit you'll notice the card no longer earns the higher point rate at drug stores.

New to the card (and most other new Aeroplan cards) is the ability to earn status points and segments with the card. You'll earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 spent on the card.

Point Valuation Chart

Spending Category Points earned per dollar spent Effective Rate of return (Travel) *
Air Canada, Groceries, Gas, Starbucks 1.5 1.8% to 7.5+%
All other spending 1 1.2% to 5+%
* 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.

Redeeming

This is where the strength of the Air Canada Aeroplan program comes through and makes the TD Aeroplan Visa Infinite 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 13000 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.

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Features and Benefits

The new TD Aeroplan Visa Infinite Card is chock 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.

Probably the most popular or will be the most popular benefit that has been added to the card is the first checked bag free benefit. Provided for the cardholder and up to 8 companions on the same reservation this benefit 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 February 17, 2021)

The next benefit is one we saw CIBC bring to our market a couple years back and that is a NEXUS fee rebate. TD now offers it on this card and also the higher up Aeroplan Infinite Privilege card. They will provide the cardholder with up to $100 in rebates every 48 months and with NEXUS having a 5 year expiry you can easily never pay again for NEXUS for one person and cover a significant portion of the fee for a second person. (NEXUS fees are US$50 per person 18 years of age and older, free for kids - current as of February 17,2021)

Air Canada benefits are also extended to additional cardholders which for this card is primarily the first checked bag free. This means additional cardholders don't have to be travelling with the primary cardholder to enjoy the benefit.

On the insurance side of benefits the card has well rounded suite of coverage. The card has flight delay coverage, lost/stolen/delayed baggage insurance, trip cancellation and trip interruption, travel medical coverage for up to 21 days for those under 65, four days if you are 65 and over. It also has pretty standard CDW car rental insurance, hotel/motel burglary insurance, purchase protection and extended warranty.

The card also provides Mobile Device Insurance - a relatively new type of coverage that we are starting to see on more cards here in Canada. As with virtually all credit card mobile device insurance there are deductible and depreciation costs applied to any claims made.

Recommended reading: The New Aeroplan credit cards compared

What is good about this card

By far the best thing about this card is the value that the Aeroplan points earned can be worth. As with most frequent flyer programs there is the potential for some outsized value when you redeem for flights. This is especially true for when you redeem for business class or first class flights on Air Canada or Air Canada's partner airlines. Rarely will a premium class redemption fall below 2 cents per point in value and in fact many economy class redemptions run up to that 2% value.

The next great thing about the card is it's direct attack on the WestJet RBC World Elite Mastercard by offering the first checked bag free. This benefit alone is why so many people got the WestJet card as it can provide huge savings and now Air Canada has it. A single round trip vacation for family of four would see first checked bag fees of $240+tax which alone makes it worth paying the $139 annual fee!

Then you have your additional Aeroplan benefits of Elite Status earning which really helps right now since there is a lot less flying going on and then when you are ready to fly the preferred pricing for award flights is major plus for this card.

Add in the NEXUS rebate and the decent insurance coverage and you have a pretty amazing card.

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.

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)

One could also say the annual fees aren't so good - yes you get a lot of benefits but for someone shopping around even having those benefits at $139 for the primary card and $75 for additional cards may sway them to getting a card that is only $120 and $50 respectively.

Who should get this card

  • People who have Aeroplan as the primary reward program but don't need or don't want the benefits of the higher end ultra premium cards
  • Individuals, couples or families who fly Air Canada and check luggage on those flights to take advantage of the first bag free benefit
  • Aeroplan Elite Status members who may come up shy of reaching the next elite level from their flying alone
  • People who bank with TD and have the All Inclusive banking plan as that will pay for the annual fee on the card

Conclusion

It's no wonder the newly revamped TD Aeroplan Visa Infinite Card was crowned as the Top Airline Credit Card in Canada for 2021. When you take the complete package of what the card offers and the value that the Aeroplan programs brings there isn't too much bad to say about it. Yes it is Aeroplan specific and you have to want to use the Aeroplan program to make the most of this card. If Aeroplan isn't your primary program or you don't fly Air Canada often (think less than once a year) there are other more flexible options out there for you. If you are an Aeroplan utilizer, fly Air Canada at least once per year with checked baggage and/or you want access to some of those amazing business class or first class experiences then this card should definitely be on your radar.

Latest card details:


TD® Aeroplan® Visa Infinite* Card

Apply Now

TD® Aeroplan® Visa Infinite* Card

Annual Fee $139 Additional Cards: $752
Annual interest rate 19.99% on purchases and 22.99% on funds advances
$60,000 personal or $100,000 household annual income

Limited Time Offer

Earn up to 20,000 Aeroplan points and a bonus Buddy Pass1. Plus, first year no Annual Fee1. Conditions Apply. Must apply by May 30, 2021.

• Bring along a friend! As a new Cardholder, your bonus Buddy Pass can score you a second ticket when you book an economy ticket. On the second ticket, you only pay the taxes and third-party charges. You’ll receive the one-time use pass, when you spend $1,000 within 90 days of Account opening, and you have a whole year to use it.1​ 

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card.1

• Earn 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening, up to a total of 20,000 points.1

• Plus, get an annual fee rebate for the first year.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by May 31, 2021.

Your Card also allows you to enjoy:

• Travelling lightly through the airport and saving on baggage fees3. Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
• Enroll for NEXUS and once every 48 months get an application fee rebate (up to $100 CAD)4. Additional Cardholders can also take advantage of this NEXUS fee rebate.
• For a limited time, earn 1.5 bonus Aeroplan points for each $1 spent on eligible purchases at participating Starbucks® locations17. Conditions Apply. Offer ends November 7, 2021.
• Travel Medical Insurance10: Up to $1 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• Trip Cancellation/Trip Interruption Insurance11: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
• Flight/Trip Delay Insurance12: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance12: Up to $1,000 overall coverage per insured person toward the purchase of essentials, such as clothes and toiletries, if your baggage is delayed for more than 6 hours or lost.
• Common Carrier Travel Accident Insurance13: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
• Hotel/Motel Burglary Insurance14: Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.
• Auto Rental Collision/Loss Damage Insurance15: Coverage for up to 48 consecutive days.
• Emergency Travel Assistance Services16: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.

Apply Now

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

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 any TD product, please click the Apply Now button.

Interest rates, fees and features are effective as of January 18, 2021, unless otherwise indicated, and are subject to change.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

1 Must apply by May 30, 2021. Welcome Bonus of 10,000 Aeroplan points will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite* Card Account (“Account”) only after the first Purchase is made on the Account. For Residents outside of Quebec: To receive the additional bonus 10,000 Aeroplan points and the bonus Buddy Pass, you must make $1,000 in net Purchases (less any returns and credits) on your Account, including your first Purchase, within 90 days of Account opening. For Quebec Residents only: To receive the additional bonus 10,000 Aeroplan points and the bonus Buddy Pass, you must keep your Account open, active and in good standing for 90 days after Account opening. For all Accounts: Rebate of the Annual Fee is only for the first year for the Primary Cardholder and up to 3 Additional Cardholders added to the Account. To receive the first-year annual fee rebate, 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 Annual Fee Rebates, you must add your Additional Cardholders by May 31, 2021. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Other conditions apply. If you have opened an Account in the last 12 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by one person, and the number of Welcome Bonus Aeroplan points, additional bonus Aeroplan points and bonus Buddy Passes awarded to any one person. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be in good standing at the time the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass are awarded. Please allow up to 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus Aeroplan points, additional bonus Aeroplan points and the bonus Buddy Pass to be credited to your Aeroplan Member account.

The bonus Buddy Pass entitles a companion to accompany the Primary Cardholder for a $0 base fare, when a published Economy Class fare marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand is booked for travel wholly within North America. The pass is valid for 12 months from the date of issuance. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once for travel wholly within North America, which is defined as Canada , the United States (including Hawaii) and Mexico. Companion will be responsible to pay all applicable taxes, fees, and charges that apply above the base fare. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase of a ticket, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. The pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the pass is reinstated in the Primary Cardholders account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable and all applicable taxes, fees, and charges that apply above the base fare. Companions who are members of the Aeroplan program or other partner frequent flyer programs will not be eligible to accumulate points or miles for the ticket issued in exchange for the companion pass. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows for such benefits and upgrades. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services are subject to the General Conditions of Carriage & Tariffs and any other terms and conditions relating to air transportation services in effect at the time of booking, as determined by Air Canada in its sole discretion and as may be changed from time to time. This one-time bonus Buddy Pass is only valid for eligible cardholders. You will not be eligible for the bonus Buddy Pass if you have previously opened an Aeroplan Program credit card of the same type, regardless of the credit card issuer and have received the Welcome Bonus offer in the last 12 months. This offer may be changed, cancelled or extended at any time and cannot be combined with any other offers.

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions: https://www.aircanada.com/ca/en/aco/home/plan/baggage.html.

4 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48 month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program: https://www.cbsa-asfc.gc.ca/prog/nexus/term-eng.html

5 Purchase of Gas or Grocery or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items, including those at grocery locations, or a Purchase made directly from Air Canada or of any of Air Canada’s products and services, each from a merchant classified through the Visa network with a merchant category code (MCC) that identifies the merchant in the “gas” or “grocery” or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows:
• 1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery or Air Canada Products (earned only on a maximum annual amount of $80,000 of Purchases of Gas, Grocery or Air Canada Products); or
• 1 Aeroplan point earned for each $1 on all other Purchases.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Bonus Rate is in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

6 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer

7 The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions (https://www.aircanada.com/ca/en/aco/home/aeroplan/legal/terms-and-conditions.html) and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

8 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Concierge. Neither Visa nor TD are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite card.

9 You must be an eligible Visa Infinite Cardholder with a valid Canada-issued Visa Infinite Card to take advantage of the Visa Infinite benefits and services. Certain benefits and services require enrollment. Offers and benefits are non-transferable, and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the Card are responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions (https://www.visainfinite.ca/infinite/en/terms.html), including third-party suppliers’ terms and conditions. The Visa Infinite privacy policy (https://www.visa.ca/en_CA/legal/global-privacy-notice.html) applies to all benefits and services that require enrollment through, or are otherwise provided by, the Visa Infinite Concierge or the Visa Infinite website. The collection use and disclosure of Cardholders’ personal information by third-party suppliers of services and benefits to Visa Infinite Cardholders are subject to such third parties’ own privacy policies.

10 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, then the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, which you may be eligible to top up with. The day of departure from and the day of return to your province or territory of residence each count as one full day. 21-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

11 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions, than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

12 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

13 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your TD Credit Cardholder Agreement.

14 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant ®. Assurant® is a registered trademark of Assurant, Inc.

15 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them — it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

16 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

17 Limited Time Promotional Offer:  Applies to the TD® Aeroplan® Visa Infinite* Card (the Account).  Offer starts November 8, 2020 and ends November 7, 2021 (the Offer Period).  The Offer Period will apply regardless of when your Account is activated. Account Cardholders will earn 1.5 Bonus Aeroplan points for each $1.00 in Purchases charged to the Account at participating Starbucks® locations in Canada (the "Starbucks Bonus Aeroplan Earn Rate"). All reloads on the Starbucks mobile application and in-store purchases at company-operated stores are eligible. In-store purchases at licensed stores are excluded from this offer. To learn if a Starbucks location is a participating location, click here. Starbucks purchases made through UberEats are not eligible for this promotion. The Starbucks Bonus Aeroplan Earn Rate earned during the Offer Period is in place of, and not in addition to the base Aeroplan point earn rate for the Account.  If the Purchase does not qualify for the Starbucks Bonus Aeroplan Earn Rate, you will earn the base earn rate of 1 Aeroplan point for each $1.00 in Purchases charged to the Account. Your Account must be in good standing to earn Aeroplan points. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan points earned on the original eligible Purchase. Please allow up to 8 weeks after each statement period for the Starbucks Bonus Aeroplan Earn Rate to be credited to your Account. This Limited Time Promotional Offer will be in addition to any other offers available for your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Starbucks and the Starbucks logo are registered trademarks of Starbucks Corporation Limited.

All trade-marks are the property of their respective owners.
See Air Canada and Aeroplan trade-mark ownership details. (https://www.tdcanadatrust.com/products-services/banking/credit-cards/view-all-cards/trademark-legal.jsp)
™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.
* Trademark of Visa Int., used under license.
® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.
Annual interest rates, fees and features are subject to change.

Related Links:

TD® Aeroplan® Visa Infinite* Card

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

American Express® Aeroplan®* Card
American Express® Gold Rewards Card
CIBC Aeroplan® Visa Infinite* Card
HSBC World Elite® Mastercard®
MBNA Alaska Airlines World Elite® Mastercard®
RBC Avion Visa Infinite Card
WestJet RBC World Elite Mastercard


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