TD Aeroplan Visa Infinite Review
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TD Aeroplan Visa Infinite
Rewards
- 1.5pts Collect 1.5 points for every $1 you spend on gas, groceries, and Air Canada purchases.
- 1pt Collect 1 point per $1 spent on all other purchases.
- Welcome Offer Up to 50,000 Aeroplan points. Terms and conditions apply.
- Annual Rewards $276 Learn how we calculate this.
- Annual Fee $139 (waived with a TD All-Inclusive Banking Plan)
- Minimum Income Required $60,000 personal; $100,000 household
Pros
- Generous travel insurance coverage and extensive mobile device
insurance
- Free checked bag on Air Canada flights
- Nexus fee reimbursement
- No blackout periods for flight redemptions
Cons
- Minimum income requirement
- No airport lounge access
- Flight redemption limited to Star Alliance members
The TD Aeroplan Visa Infinite card is a great travel rewards credit card for the frequent Air Canada flyer or Aeroplan member. With its minimum income requirement and ties to the Aeroplan Rewards program, it’s really designed for moderate to high earners who are in airports often and want to reap the rewards. This card also offers unique travel perks, such as the Nexus fee reimbursement.
The TD Aeroplan Visa Infinite, in partnership with Air Canada, offers its customers the opportunity to earn Aeroplan points that they can redeem for flights, hotels, and more. It’s well-known around the Canadian travel circuit for being one of the best travel credit cards in the country.
In this TD Aeroplan Visa Infinite card review, we’ll take a look at rewards, fees, perks, and more, so you can decide if this card is right for you.
TD Aeroplan Visa Infinite: an overview
The TD Aeroplan Visa Infinite is a travel rewards credit card that allows you to earn Aeroplan points on all your purchases and then redeem them for Air Canada travel expenses, or at the Aeroplan store. This card is geared toward those who take Air Canada flights frequently and/or are Aeroplan members.
TD Aeroplan Visa Infinite rewards
The TD Aeroplan program is one of the most robust travel rewards programs in Canada. The premise is simple: cardholders earn points for every dollar they spend. The number of points per dollar depends on the following categories:
- 1.5 points for every $1 spent on gas, groceries, and Air Canada flights and vacation packages
- 1 point for every other purchase
- Earn points twice with any purchases made on the Aeroplan ePlan or with partner retailers when you present both your Aeroplan Visa and Aeroplan card
Cardholders have the choice of redeeming their points for flights with Air Canada (or any other Star Alliance partner). Accommodation rentals, car rentals, travel experiences, gift cards, and select retail merchandise are also eligible for point redemption.
Redeeming points is easy to do through the online Aeroplan booking portal or the Aeroplan ePlan online store.
TD Aeroplan Visa Infinite eligibility
To qualify for the TD Aeroplan Visa Infinite card, you must:
- Earn a minimum of $60,000 individually, or $100,00 as a household
- Be the age of majority in your province or territory
- Be a Canadian resident
The TD Aeroplan Visa Infinite also requires a credit score in the good to excellent range. This is usually around 660 and above.
Apply by January 3, 2024, and earn up to 50,000 Aeroplan points (value of $1,400). Conditions apply.
TD Aeroplan interest rates and fees
Fees
- Annual fee: $139 (primary cardholder); $75 (additional cardholders). The annual fee is rebated if you also have a TD All-Inclusive Banking Plan account.
- Foreign transaction fee: 2.5%
- Extra card fee: $0
- Cash advance fee: 1% of any cash advance transaction (domestic); if less than $3.50, you’ll be charged that fee as a minimum, up to a maximum of $10. Otherwise, $5 (international)
- Balance transfer fee: 3%
Interest rates
- Purchases: 20.99%
- Cash advances: 22.99%
TD Aeroplan Visa Infinite perks
As a TD Aeroplan Visa Infinite cardholder, you’ll get access to some great travel and insurance perks — particularly if you fly Air Canada.
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Save on baggage fees
All Aeroplan Visa Infinite cardholders (and their travel companions) get one standard checked bag for free, provided their flight journey originates on an Air Canada flight.
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Insurance
This card includes medical insurance, trip interruption, delay, and cancellation insurance, lost/delayed baggage insurance, travel accident insurance, burglary insurance, auto rental insurance, and emergency travel assistance services.
Aeroplan Visa Infinite cardholders can also count on up to $1,000 of device coverage for their mobile phones in the event that it’s broken, stolen, or lost.
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Nexus fee reimbursement
Nexus is a North American Trusted Traveller Program that frees up wait times at customs and airport security lines. While there’s usually a nominal fee to apply for the Nexus program, Aeroplan Visa Infinite waives this fee for its members.
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Rental car deals
Cardholders get up to 10% off of car rentals at Avis and Budget in Canada and the United States and up to 5% off of Avis and Budget rentals worldwide.
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An enhanced travel experience
Get access to a 24/7 concierge, the Visa Infinite collection of Luxury Hotels, Visa-exclusive gourmet dining events, and specialized wine tours in Ontario, B.C., and California. And enjoy curated entertainment events, including the Toronto International Film Festival.
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Earn Aeroplan Elite status
Primary Aeroplan Visa Infinite cardholders become eligible for 1,000 miles and 1 Status Qualifying Segment (SQS) for every $10,000 they spend. After 25,000 miles or 25 SQS, you’re eligible for Aeroplan Elite Status, which includes benefits like Maple Leaf Lounge Access, private customer support lines, and flight updates.
Compare TD Aeroplan Visa Infinite alternatives
Our final thoughts
Based on our TD Aeroplan Visa Infinite review, you can see that the card comes with a decent earn rate, and unique travel perks. This card is best suited for frequent Air Canada flyers and Aeroplan members who can meet either the personal or household income threshold.
