TD Aeroplan Visa Infinite Privilege Card Review

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Planning your next trip? Collect more Aeroplan Miles to get discounts on flights, hotels and more with the TD Aeroplan Visa Infinite Privilege Card.

The TD Aeroplan Visa Infinite Privilege Card gives you 1.5 Aeroplan Miles for every $1 you spend on everyday purchases (like gas and groceries), along with 1.25 Miles on everything else.

19.99%

Purchase Interest Rate

$399

Annual Fee

22.99%

Balance Transfer Rate

Details

Product NameTD Aeroplan Visa Infinite Privilege Card
RewardGet 1.5 miles for every $1 spent on eligible grocery, gas, drugstore and Air Canada purchases and 1.25 miles for every $1 spent elsewhere.
Welcome OfferEarn up to 40,000 Aeroplan Miles, including a 25,000 Welcome Bonus when you make your first purchase with your card. Earn 5 additional Aeroplan Miles on all purchases for the first 3 months up to a total of $1,000 spent per month, up to a total of 15,000 Aeroplan Miles. Apply online by March 2, 2020.


Purchase Interest Rate19.99%
Cash Advance Rate22.99%
Balance Transfer Rate22.99%
Interest Free Period Up to 21 days
Minimum Credit Limit$10,000
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More Info

30-second take

  • Think about the TD Aeroplan Visa Infinite Privilege Card if you’re an Aeroplan member and travel extensively.
  • Choose something else if you’d rather get cashback or don’t want to pay an annual fee.
  • You will 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. This card lets you earn Aeroplan Miles on top of the miles you get with your regular Aeroplan membership.

  • Travel rewards. Earn 1.5 miles for every $1 you spend on groceries, gas and drugstore purchases, as well as 1.25 points for every dollar you spend on other purchases.
  • Welcome bonus. You may be eligible for a welcome bonus of 40,000 Aeroplan Miles (enough for 2 premium economy class short-haul round-trip flights).
  • Travel insurance. Get travel medical and common carrier insurance, along with coverage for trip cancellation/interruption and lost or delayed baggage.
  • Air Canada benefits. Check your first bag for free, cash in on discounted companion flights and get lounge access when you fly with Air Canada.
  • Exclusive travel perks. Get complimentary 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.

The perks

  • Tap to pay. Tap and go with Apple Pay and Visa payWave (for Android).
  • Fraud protection. Know instantly if there is suspicious activity on your account with fraud alerts and avoid paying for unverified charges with zero liability.
  • Car rental discounts. Get discounts with Avis and Budget (along with car rental insurance for up to 48 days).
  • Optional insurance. You can pay more to get additional coverage for balance protection and roadside assistance.

What to watch out for

  • Annual fee. The fee for this card is $399 per year.
  • Limited flexibility. Aeroplan Miles can only be used to purchase certain items, which are largely travel related.
  • High interest. You’ll pay around 19.99% in interest on outstanding balances and up to 22.99% on cash advances (compared to 10% less on a low-interest card).
  • Fee for additional cards. You’ll have to pay $99 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 have to keep a minimum limit of at least $10,000, which can cause problems if you don’t pay down your balance.

What should I know before I apply

How to apply

  • Click “Go to site” and be securely directed to the TD Aeroplan Visa Infinite Privilege Card application.
  • Complete the application, which includes providing your name, email address, social insurance number and date of birth.
  • 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 Miles. This card comes with a welcome offer and a full suite of travel perks, but the annual fee is much higher than many other Visa Infinite cards.

Frequently asked questions about the TD Aeroplan Visa Infinite Privilege Card

Picture : td.com/ca

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