TD Aeroplan VISA Infinite Privilege Card

The TD Aeroplan Visa Infinite Privilege Card is one of Canada’s most premium travel rewards credit cards, offering accelerated Aeroplan points, Air Canada travel perks, airport lounge access, and comprehensive insurance coverage. Designed for frequent flyers and high-income earners, it delivers luxury-level benefits, powerful point-earning potential, and exclusive access to Air Canada experiences.

Top Features of the TD Aeroplan Visa Infinite Privilege Card

• $199 for additional cardholders
• Earn 2 points per $1 on Air Canada purchases, including flights, upgrades, and Air Canada Vacations
• 1.5 points per $1 on eligible grocery, gas, dining, and travel purchases
• 1.25 points per $1 on all other eligible purchases
• Welcome bonus: Up to 100,000 Aeroplan points for new cardholders (limited-time offers; conditions apply)
• Maple Leaf Lounge access (with unlimited visits for the primary cardholder and one guest when travelling on Air Canada)
• Priority check-in, boarding, and baggage handling on Air Canada flights
• First free checked bag for you and up to 8 companions on the same reservation
• Access to the Visa Infinite Privilege Concierge, hotel collection, and travel upgrades
• Comprehensive travel insurance, including medical, trip cancellation, interruption, and car rental coverage
• Mobile device insurance
• Annual fee: $599

How much is an Aeroplan point worth?

When redeemed toward travel through Aeroplan, an Aeroplan point is worth approximately 2.23 cents on average. Using that valuation, the card’s earn rates translate to approximate cash-back equivalents:

• Air Canada purchases: 2 points/$1 = ~4.46 cents back
• Gas, groceries, travel, dining: 1.5 points/$1 = ~3.35 cents back
• Everything else: 1.25 points/$1 = ~2.79 cents back

Note that redeeming points for non-travel items usually yields much lower value (often around 1 cent per point or less), so this card is best when points are used for flights or travel-related redemptions.

Sign-up bonus math and short-term value

The headline sign-up bonus totals 115,000 Aeroplan points if all spend thresholds are met. At 2.23 cents per point, that bonus alone is worth roughly $2,564 in travel value (115,000 × $0.0223).

Covering the $599 annual fee with a bonus worth over $2,500 makes the card especially attractive in the first year. In simple terms, the sign-up bonus can justify the annual fee for multiple years when viewed purely as upfront value.

Perks and travel coverages

• Other premium benefits: Common premium card benefits apply, such as concierge services and potential travel credits depending on current promotions. Check TD and Aeroplan pages for updates.

• Maple Leaf Lounge access: Unlimited access to Air Canada Maple Leaf Lounges for primary cardholder (great for frequent flyers).

• Extensive travel insurance: Emergency medical insurance abroad, flight delay and cancellation coverage, lost or delayed baggage insurance, travel accident insurance, and more. Always review the detailed terms and conditions for exact coverage limits and exclusions.

Pros and cons

• Pros:
  • Huge sign-up bonus (up to 115,000 Aeroplan points).
  • Excellent earn rates on Air Canada, travel, dining, groceries, and gas relative to travel-focused cards.
  • Unlimited Maple Leaf Lounge access and comprehensive travel insurance.
  • Large short-term value that can easily justify the fee in year one.
• Cons:
  • High annual fee ($599).
  • Sign-up bonus requires significant spending within set windows.
  • Less compelling long-term compared with other premium cards unless ongoing benefits are fully used.
  • Points redeemed for non-travel uses lose much of their value.

How to use it strategically

1. Open the card only when able to meet the signup spending thresholds using regular, planned expenses.
2. Redeem Aeroplan points primarily for flights to extract the ~2.23 cents per point value.
3. Use lounge access and travel insurance while the card is active to squeeze more value from the annual fee.
4. After one or two years, reassess whether the card’s ongoing fee is justified by actual usage. If not, consider closing or downgrading, while keeping other long-term cards open to minimize credit impact.

Comparison and long-term thoughts

While the TD Aeroplan VISA Infinite Privilege Card offers an exceptional sign-up bonus and strong travel benefits, some other premium cards may provide better long-term value depending on personal habits. Examples include premium American Express products that offer different benefit sets or ongoing statement credits. For many, the optimal approach is to sign up, extract the sign-up value, then evaluate whether to keep the card.

Why Choose the TD Aeroplan Visa Infinite Privilege Card?

This card is one of Canada’s most comprehensive travel rewards solutions, offering unmatched Air Canada benefits, faster status qualification, and elite lifestyle perks. If you travel regularly and want the VIP airport experience, plus valuable Aeroplan rewards, this card is built to elevate your journey.

Apply for the TD Aeroplan Visa Infinite Privilege Card Today

Experience luxury travel every step of the way. Earn up to 100,000 Aeroplan points, enjoy Maple Leaf Lounge access, priority boarding, and exclusive Visa Infinite Privilege perks — all with the TD Aeroplan Visa Infinite Privilege Card.