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TD Aeroplan Visa Infinite Privilege Card review

Earn a high number of points and get a full suite of travel benefits and perks with this all-inclusive Aeroplan card.

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The TD Aeroplan Visa Infinite Privilege Card is a high-end card that lets you earn between 1.25 and 2 points for every dollar you spend. In addition to a long list of travel perks, you’ll also get a generous welcome bonus and comprehensive travel insurance when you sign up. The major sticking point of this card is that you’ll have to pay a high annual fee to keep your card active.

30-second take

  • Think about this card if you collect Aeroplan points and travel extensively.
  • Choose something else if you’d rather get cashback or you don’t want to pay an annual fee.
  • You’ll need a minimum annual household income of $200,000 to qualify for this card.

The basics

If you spend more time in the air than you do on the ground, then the TD Aeroplan Visa Infinite Privilege Card could be the right fit for you.

  • Accelerated points. Earn 2 points per dollar on Air Canada purchases plus 1.5 points per dollar on gas, groceries, travel and dining.
  • Welcome bonus. Earn up to 85,000 Aeroplan points. Conditions Apply. Apply online by June 3, 2024.
  • Earn more rewards. Earn even more points when you use your credit card to pay with Aeroplan partners or when you purchase items through Aeroplan’s eStore.
  • Air Canada travel benefits. Get VIP treatment when you fly Air Canada, with exclusive access to priority boarding, baggage handling, airport upgrades and airport standby.
  • Special travel perks. Enjoy travel perks such as NEXUS rebates, lounge access and VIP services (such as skipping the security line) at select Canadian airports.
  • Basic insurance. Take advantage of extended warranty and purchase protection on the products you buy with your card.
  • Mobile device insurance. Get reimbursed for a new mobile phone if your old one gets lost, stolen or damaged in the period that you qualify for coverage.
  • Travel insurance. Get multiple forms of travel insurance including travel medical, trip interruption/cancellation, baggage/flight delay and hotel burglary insurance.

TD Aeroplan Visa Infinite Privilege benefits

Insurance typeLevel of coverage

Travel medical

Up to $5 million for 31 days if you're under 65 years old, and 4 days if you're 65 or older

Trip cancellation

Up to $2,500 per passenger (or $5,000 for all insured combined)

Trip interruption

Up to $5,000 per passenger per incident (or $25,000 for all insured combined)

Flight delay

Up to $1,000 if your flight is delayed more than 4 hours

Baggage delay or loss

Up to $1,000 if your baggage is delayed for more than 4 hours, and up to $2,500 if it gets lost or stolen

Hotel burglary

Up to $2,500 per trip for all insured passengers combined

The perks

  • Common carrier insurance. Get up to $500,000 of coverage for trips on buses, ferries and trains.
  • Car rental coverage. Enjoy up to 48 consecutive days of car rental insurance when you pay with your card, and get special discounts with Avis and Budget.
  • Fraud protection. Protect your online payments with Visa Secure and know instantly if there’s suspicious activity on your account with fraud alerts.
  • Cash advances. Get access to an emergency cash advance worth up to $5,000 for your TD Aeroplan Visa Infinite Privilege Card (subject to your available credit limit).
  • Special offers. Receive exclusive benefits on hotels and dining with Visa Infinite.
  • Optional insurance. Pay more to get optional coverage for balance protection and roadside assistance.

What to watch out for

  • High annual fee. The fee for this card is $599 per year, and you won’t be able to get your annual fee waived in your first year.
  • High interest. You’ll be charged 20.99% interest on outstanding balances and 22.99% for cash advances.
  • Fee for additional cards. You’ll have to pay $199 for every extra card you add to your account.
  • High annual income requirements. You have to make a household income of $200,000 to qualify for this card.
  • High minimum credit limit. You need to keep a minimum credit limit of at least $10,000, which can cause problems if you don’t pay down your balance.

TD Aeroplan Visa Infinite Privilege Card interest rates

Interest TypeInterest Rate
Purchase interest rate20.99%
Cash advance rate22.99%
Standard balance transfer rate22.99%

What you should know before you apply

Eligibility requirements

To apply for a TD Aeroplan Visa Infinite Privilege, you need to meet the following criteria:

  • Be a Canadian citizen or permanent resident who is at least 18 years old (19 in some provinces)
  • Have a minimum household income of $200,000

Required documents and information

  • Your name, residential status and contact information
  • Your Social Insurance Number and date of birth
  • Your email address and phone number

How to apply

  1. Visit TD’s main page to be directed to the TD Aeroplan Visa Infinite Privilege application.
  2. Complete the application, which includes providing your name, email address, Social Insurance Number and date of birth.
  3. Review and submit your application.

Bottom line

The TD Aeroplan Visa Infinite Privilege Card is designed for frequent flyers looking to max out their return on Aeroplan points. This card comes with a generous welcome offer, comprehensive travel insurance and a full suite of travel perks. The downside is that the annual fee is much higher than many other Visa Infinite cards.

Frequently asked questions about the TD Aeroplan Visa Infinite Privilege

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Written by

Claire Horwood

Claire Horwood was a writer at Finder, specializing in credit cards, loans and other financial products. She has a Bachelor of Arts in Gender Studies from the University of Victoria, and an Associate’s Degree in Science from Camosun College. Much of Claire’s coursework has focused on writing and statistics, with a healthy dose of social and cultural analysis mixed in for good measure. In her spare time, Claire enjoys rock climbing, travelling and drinking inordinate amounts of coffee. See full profile

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