TD Aeroplan Visa Infinite Privilege Credit Card
Travel Rewards Premium / High-End Rewards

TD Aeroplan Visa Infinite Privilege Credit Card

TD Canada Trust TD Canada Trust
Welcome Bonus: Earn up to 85,000 Aeroplan points ($3,000 estimated value).
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Annual Fee $599
Purchase APR 21.99%
Cash Advance 22.99%
Bonus Value $3,000

RateBuddy Verdict

The Good
  • Offers ultimate Air Canada luxury, including unlimited access to Maple Leaf Lounges (with a guest) and full Priority Airport Services.
  • Features an elite insurance package that covers travel medical for an extended 31 days and protects mobile devices up to $1,500.
  • The base earning rate of 1.25 points per dollar is incredibly high, meaning even your non-category spending generates substantial rewards.
The Trade-offs
  • Carries a very high $599 annual fee that is not waived in the first year, plus a steep $199 fee for supplementary cards.
  • Requires an extremely strict minimum annual income of $150,000 (personal) or $200,000 (household) to qualify.
  • To unlock the full 85,000-point welcome bonus, you must spend a massive $24,000 within your first 12 months.

Rewards & Earnings

Groceries 1.50%
Dining 1.50%
Gas 1.50%
Travel 2%
Recurring Bills 1.25%
Base Rate 1.25%
Rewards Summary: Air Canada: 2 Aeroplan pts per $1; Gas, Groceries, Dining, Travel & Transit: 1.5 pts per $1; Base Earn: 1.25 pts per $1.

Welcome Bonus Details

Earn up to $3,000 in value, including up to 85,000 points. Get 20,000 points on first purchase. Earn an additional 35,000 points after spending $12,000 within 180 days. Earn an anniversary bonus of 30,000 points after spending $24,000 within 12 months.

Estimated Value: $3,000

Features & Benefits

Airport Lounge Access
Unlimited Maple Leaf Lounge access + 6 Global Lounge visits
Travel Medical Insurance
Up to $5 million (31 days for age <65; 4 days for age 65+)
Free Checked bag
Free first checked bag for you and up to 8 companions on Air Canada
Mobile Device Insurance
Up to $1,500 coverage
Car Rental Collision/Loss Damage Waiver
Coverage for up to 48 consecutive days
Metal Card
Card is crafted with metal
Trip Cancellation/Interruption Insurance
Up to $2,500 cancellation / $5,000 interruption
Extended Warranty Insurance
Included (Up to 24 additional months)
Purchase Security Insurance
Included (120 days)
Concierge Service
24/7 complimentary Visa Infinite Privilege Concierge
NEXUS Application Fee Rebate
Up to $100 CAD partial rebate once every 48 months
Flight Delay Insurance
Up to $1,000 in coverage (4+ hours)
Baggage Delay/Loss Insurance
Up to $2,500 for lost baggage; $1,000 for delayed
Priority Airport Services (Check-in, Boarding)
Priority Check-In, Boarding, Baggage, and Standby/Upgrades
Common Carrier Accident Insurance
Up to $500,000 coverage per person
Hotel/Motel Burglary Insurance
Up to $2,500 coverage per occurrence

Insurance Coverage

Travel Medical: $5M (31 days under 65); Trip Cancel/Interrupt: $2.5k/$5k; Flight & Baggage Delay: Included; Car Rental: 48 days; Mobile Device: $1,500; Purchase Security: 120 days & Extended Warranty: +2 Years.

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR22.99%
Annual Fee$599
Supplementary Card Fee$199
Income Required Personal: $150,000
Household: $200,000
Recommended Credit Score—

Cardholder Reviews

A detailed view of approved RateBuddy community feedback for this card.
4.0
1 approved review
5 star 0
4 star 1
3 star 0
2 star 0
1 star 0
Rewards & value 4.0
Fees & cost 4.0
Approval experience 4.0
Customer service 3.0
Mobile & app 5.0
User review
RateBuddy User • Jun 15, 2026
4.0/5
Overall Good card for Travel
Rewards 4/5 Fees 4/5 Approval 4/5 Service 3/5 App 5/5
Reviews are moderated before publication. RateBuddy does not publish reviewer email addresses or sensitive financial information.

Filed Under

Travel Rewards Premium / High-End Rewards
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