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Mr. Loonie
TD® Aeroplan® Visa Infinite Privilege Card

TD® Aeroplan® Visa Infinite Privilege Card

8.2
Very good
Expert Score · 9 reviews How we score

Best for: Frequent Air Canada flyers who will use Maple Leaf Lounge access and priority perks

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,498
Every year after
$498

Ranked #13 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$1,000
All of year one’s offer. Up to 100,000 Aeroplan points.
Annual fee
$599 a year
Apply now on TD’s site (opens in a new tab)
Needs $150,000 personal or $200,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $1,250 or more a month on flights?

Is your personal income $150,000 or more, or your household’s $200,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 2 points per $1 on flights At our value for these points, that’s about 4% back.
  • Good: Welcome offer up to 100,000 Aeroplan points About $2,000 at our value for these points.

Watch for

  • Watch for: $599 a year You need about $1,250 a month on flights to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Aeroplan points valued at 2¢ each.

  • Groceries $288
    1.5 points per $1 · 3% back $800 a month · 14,400 Aeroplan points a year
  • Restaurants $90
    1.5 points per $1 · 3% back $250 a month · 4,500 Aeroplan points a year
  • Gas $90
    1.5 points per $1 · 3% back $250 a month · 4,500 Aeroplan points a year
  • Recurring bills $75
    1.25 points per $1 · 2.5% back $250 a month · 3,750 Aeroplan points a year
  • Travel $54
    1.5 points per $1 · 3% back $150 a month · 2,700 Aeroplan points a year
  • Everything else $195
    1.25 points per $1 · 2.5% back $650 a month · 9,750 Aeroplan points a year
  • Foreign currency $45
    1.25 points per $1 · 2.5% back $150 a month · 2,250 Aeroplan points a year
For you Year one Later years
Points you earn41,850 Aeroplan points a year, at 2¢ each $837 $837
Welcome offer50,000 Aeroplan points you’d reach $1,000 $0
Annual fee −$599 −$599
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Lounge visits2 visits at $45 $90 $90
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,498 $498

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Flights
2 points per $1 Up to $100,000 in spending per year (shared with other categories). Bought directly from Air Canada, including Air Canada Vacations
Groceries
1.5 points per $1 Up to $100,000 in spending per year (shared with other categories). Including Electric Vehicle Charging
Gas
1.5 points per $1 Up to $100,000 in spending per year (shared with other categories). Including EV charging
Travel
1.5 points per $1 Up to $100,000 in spending per year (shared with other categories).
Transit
1.5 points per $1 Up to $100,000 in spending per year (shared with other categories).
Restaurants
1.5 points per $1 Up to $100,000 in spending per year (shared with other categories).
Everything else (base rate)
1.25 points per $1
  • 2 points per $1 spent on eligible Air Canada® purchases
  • 1.5 points per $1 spent on travel and transit
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore
How Aeroplan points work, and why 2¢

We count Aeroplan points at 2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.7¢ to 6¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    20,000 Aeroplan points · about $400

    Get approved for the card.

    • Make your first purchase
  2. 2

    30,000 Aeroplan points · about $600

    Spend $12,000 in your first 6 months.

    You’d reach it in month 5.

  3. 3

    50,000 Aeroplan points · about $1,000

    Keep the card for a year.

    • spend $24,000 in net purchases and keep Account open and active for 12 months; within 365 days of Account opening

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $150,000 or more Issuer says
  • Household income $200,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

8.2
Very good
Expert Score How we score
  • Frugal Flyer (opens in a new tab) May 2026

    “The TD Aeroplan Visa Infinite Privilege credit card is a fantastic card, especially if you find yourself flying on Air Canada frequently. Between a generous welcome bonus and strong benefits, this is one card that I hold on to year-over-year to make my travel on Air Canada that much more enjoyable.”

  • NerdWallet (opens in a new tab) Jan 2026
    9.6

    “This card offers premium travel perks at top dollar. You get comprehensive travel insurance, annual $99 companion passes, unlimited access to Maple Leaf Lounges, six annual lounge passes via the Visa Airport Companion Program, priority airport services, NEXUS rebates and more. But not everyone will be able to afford the annual fee, nor meet the steep income requirement.”

  • Forbes (opens in a new tab) Jan 2024
    7.6

    “The TD® Aeroplan® Visa Infinite Privilege* card is a top-of-the-line travel credit card. With some of the highest earning potential among comparable cards, and a bevy of additional benefits, including comprehensive travel insurance, this card can be well worth its staggering annual fee. That said, people who don’t require the additional travel insurance benefits can likely find comparable cards with much lower annual fees, and higher net earnings. But, as it stands, this card is ideal for frequent flyers seeking extensive additional rewards.”

  • Hardbacon (opens in a new tab) Jul 2023
    8.6

    “The TD® Aeroplan® Visa Infinite Privilege* card is definitely designed for high-income frequent fliers who prefer Air Canada. Several travel cards cater to this group, but the TD® Aeroplan® Visa Infinite Privilege* card makes it easier to earn Aeroplan points on essential purchases like gas, groceries, and Air Canada travel. Not only that, but this card has one of the highest base earn rates on all card purchases outside the accelerated points purchase categories. For travel addicts, the TD® Aeroplan® Visa Infinite Privilege* offers an incredibly robust suite of travel insurances with higher-than-average coverage amounts.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “TD Aeroplan Visa Infinite Privilege Card is a personal credit card targeted toward high-income earners in Canada. With bonus rewards of up to 105,000 points when you spend up to $12,000 within the 1st 12 months, the card is excellent for accumulating reward points. The card also has several travel coverage & perks, which makes it an excellent option for travel purposes.”

  • Rewards Canada (opens in a new tab) Nov 2022

    “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.”

What cardholders say

Ratings from people with this card

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Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $5,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device $1,500 per device
  • Lounges: Maple leaf Unlimited visits
  • Lounges: Dragonpass 6 free visits
  • Priority Check-In
  • Priority Boarding
  • Priority Baggage Handling
  • Priority Airport Standby
  • Priority Airport Upgrades
  • Access to a Maple Leaf Lounge
  • Global Airport Lounge Access
  • Visa Infinite Privilege Airport Benefits
  • Trip Cancellation/Trip Interruption Insurance
  • Flight/Trip Delay Insurance
  • Delayed and Lost Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Statement Credits For NEXUS Holders every 48 months
  • Save with Avis Rent A Car and Budget Rent A Car.
  • Mobile Device Insurance
  • Free first checked bags
  • Free 12 months Uber Pass membership
  • Mobile wallets Samsung Pay
Coverage limits

Travel medical. Up to 31 days per trip.

Fees and interest

What it costs

Annual fee
$599 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$199
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%, Maximum
Over-limit fee
None
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,498 year one, $498 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD® Aeroplan® Visa Infinite Privilege Card?

$599 a year. Each extra card costs $199.

How much is the TD® Aeroplan® Visa Infinite Privilege Card welcome offer worth?

Up to 100,000 Aeroplan points, about $2,000. You get it in 3 steps: 20,000 Aeroplan points when you are approved; 30,000 Aeroplan points after you spend $12,000 in the first 6 months; 50,000 Aeroplan points on your first card anniversary.

What income do I need?

TD asks for $150,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation/trip interruption insurance and flight/trip delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,498
year one for you
Apply now on TD’s site (opens in a new tab)
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