TD Aeroplan Visa Infinite Credit Card Review

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by Enoch Omololu

Updated

Advertiser Disclosure

The TD Aeroplan Visa Infinite card is on my list of the best credit cards for travel rewards in Canada. The card offers a juicy signup Aeroplan Miles bonus, comprehensive travel insurance, Air Canada-specific perks, and is a gateway to enjoying Canada’s most popular frequent flyer program.

This TD Aeroplan Visa Infinite review shows its benefits, downsides, how to waive your annual fee, and how the card compares to its closest competitors.

TD Aeroplan Visa Infinite

TD Aeroplan Visa Infinite Card Benefits

Before I list all the main benefits of this card, here are some of its key details:

  • Annual fee: $120 ($50 for additional cards)
  • Purchase APR: 19.99%
  • Cash Advance APR: 22.99%
  • Income eligibility: $60,000 for personal income or $100,000 for household income

Benefits of the TD Aeroplan Visa Infinite Card include:

1. 30,000 Bonus Aeroplan Miles: For a limited time, you can earn up to 30,000 Aeroplan miles – 15,000 after your first purchase and an additional 15,000 miles when you spend at least $1,000 each month for the first 3 months.

2. Earn Aeroplan Miles: Get 1.5 miles for every $1 spent on grocery, gas, drugstore, and aircanada.com purchases. Get 1 mile for every $1 spent on all other purchases.

3. Comprehensive Travel Insurance package with:

  • Travel medical insurance up to $ million for 21 consecutive days (below 65 years) and up to 4 days (over 65 years)
  • Trip cancellation/Trip interruption
  • Delayed and lost baggage
  • Flight/trip delay
  • Common carrier travel accident up to $500,000
  • Auto rental collision/loss damage for up to 48 consecutive days

4. Purchase security and extended warranty

5. Enjoy Air Canada perks and get the following when using your Aeroplan flight reward:

  • One annual pass to the Air Canada Maple Lounge
  • Complimentary first checked bag
  • Priority check-in and boarding

6. Enjoy Visa Infinite Exclusive benefits including a complimentary 24/7 concierge service, Luxury Hotel Privileges, and Food and Wine experiences.

7. Discounts on Avis Rent-A-Car and Budget Rent-A-Car rentals.

8. Earn twice the miles when you pay with your card and show your Aeroplan membership card at participating retailers and Aeroplan stores.

The TD Aeroplan Visa Infinite comes with a host of benefits that may make it worthwhile depending on your needs. To start, you get up to 30,000 Aeroplan miles when you make your first purchase and spend at least $1,000 each month for the first 3 months.

Depending on your destination, season and flight rewards redemption option you choose, the 30,000 bonus miles alone could be worth up to 2 economy short-haul roundtrip flights. 

The $120 fee is waived in year one which gives you an excellent opportunity to try out the card. If you are a TD All-Inclusive Banking Plan customer, your annual fee is waived as long as your bank account remains in good standing. Note that the annual fee rebate only applies to the primary cardholder.

The TD Aeroplan Visa Infinite also comes with a travel insurance package that is worth noting. Even better, your insurance coverage also applies when your flight is ‘paid’ for using your rewards miles.

When travelling on Air Canada or its affiliated carriers, the priority check-in, complimentary first checked bag, and priority boarding comes in handy.

Downsides

One major disappointment of the TD Aeroplan Visa Infinite card is that you only get one free access pass to their airport lounge. The Scotiabank Passport Visa Infinite card (also a travel card) provides 6-free VIP airport lounge passes per year.

Also, you will need an annual personal income of at least $60,000. If you do not meet this minimum income requirement, you can opt for the TD Aeroplan Visa Platinum card to earn Aeroplan miles. This card has no minimum income requirement.

How The Aeroplan Miles Rewards Program Works

 Aeroplan members can use their Aeroplan miles to book Air Canada flights, hotels, cars, activities, events, purchase merchandise, vacation packages, and gift cards. You can also transfer or donate your miles.

When redeeming your miles for flights, you can choose between the fixed mileage or market fare flight rewards.

Fixed mileage tickets require a fixed number of miles for flights to specific destinations and there are limited seats available at any point in time. For example, a short-haul economy round-trip flight departing from within Canada or the Continental U.S. requires 15,000 miles or 25,000 miles for a long haul round-trip flight.

Check out the fixed mileage chart.

Market fare flights vary based on the demand for flights, however, you can book any seat at any time on Air Canada flights. Market fare tickets are more flexible but will generally cost you more for the same destinations compared to the fixed mileage rewards program.

Combined, you can use your Aeroplan miles to purchase travel to over 1,300 destinations worldwide. The taxes, fees, and surcharges associated with your flight booking are additional and can also be paid using your Aeroplan miles.

Aeroplan flight rewards options

The Aeroplan program is going to see an overhaul in 2020, so watch out for some changes.

Is The TD Aeroplan Infinite Card For You?

This card ranks as one of the best Aeroplan credit cards in Canada. If Aeroplan miles are a part of your travel hacking strategies, the TD Aeroplan Visa Infinite ticks the box. If you currently bank with TD and have their all-inclusive banking plan, you can do away with the annual fee altogether which makes the card’s benefits all the more attractive.

If you prefer to have a lot more access to VIP airport lounges for free, the Scotiabank Passport Visa Infinite is worth checking out. However, note that it also has a minimum annual income requirement of $60,000.

Looking for more options for travel credit cards, check out the best travel rewards credit cards here.

 

TD Aeroplan Visa Infinite Card Review
4.8

Summary

The TD Aeroplan Visa Infinite card is on my list of the best credit cards for travel rewards in Canada. This review details the card’s benefits, downsides, how to waive your annual fee and how the card compares to its closest competitors.

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Free prepaid reloadable Visa card.

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Free budgeting app with automatic savings features.

Credit building available with a subscription.

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Author

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Enoch Omololu

Enoch Omololu is a personal finance expert and a veterinarian. He has a master’s degree in Finance and Investment Management from the University of Aberdeen Business School (Scotland) and has completed several courses and certificates in finance, including the Canadian Securities Course. He also has an MSc. in Agricultural Economics from the University of Manitoba and a Doctor of Veterinary Medicine degree from the University of Ibadan. Enoch has a passion for helping others win with their personal finances and has been writing about money matters for over a decade. His writing has been featured or quoted in The Globe and Mail, Winnipeg Free Press, Wealthsimple, Financial Post, Toronto Star, Credit Canada, MSN Money, National Post, CIBC, and many other personal finance publications.

His top investment tools include Wealthsimple and Questrade. He earns cash back on purchases using KOHO, monitors his credit score for free using Borrowell, and earns interest on savings through EQ Bank.

1 thought on “TD Aeroplan Visa Infinite Credit Card Review”

  1. Beware of Aeroplan – they steal your points

    The Aeroplan point collecting organization is a company OUT to get your points. Unlike the other point collecting companies, Aeroplan has a sneaky way to steal your points from you. They have an EXPIRY!!! If you do not collect any points over a one-year period you will forfeit all the points you have ever collected. They stole over 120,000 points from me last year. If you are wondering how I missed their reminders, they conveniently only send one three months before (which will probably end up in your junk mail if you are a busy person). My mistrust with this company is deeper. I was in communication with one of their employees who offered to help me. I stayed at a hotel within the year but the hotel did not input my points correctly. I provided proof to Aeroplan (receipt of my stay) but they said it was the hotel’s fault because the new input date they sent me was outside the expiry date range; so Aeroplan wiped their hands clean and stole my all my points. If you collect you might be waiting for your young children to grow old enough to visit somewhere. Well Aeroplan stole a Disneyland trip from my family with three young girls. Yes, my family will not be going for a few more years thanks to Aeroplan’s pathetic customer service. Beware of Aeroplan, they obviously do not care about your family.

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