TD® Aeroplan® Visa Infinite Privilege* Card review
Jul 8, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$3,067
Get this card if you:
- want exclusive travel perks like lounge access
- want to maximize your Aeroplan points with great offers
- want comprehensive travel insurance to ensure peace of mind
At a glance
The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan points on direct Air Canada purchases, as well as on eligible gas, grocery, travel, and dining expenses. Cardholders benefit from perks such as a partial NEXUS application fee rebate†, complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries a substantial annual fee and requires a high personal or household income for eligibility.
Highlights
$3,067
First year value
up to 85,000 pts†
Welcome bonus
$599
Annual fee
Additional Cardholder† $199
Interest Rates
21.99%
Purchase APR
22.99%
Balance transfer APR
22.99%
Cash advance APR
Eligibility
Excellent
Recommended credit score
$150,000
Required annual personal income
$200,000
Required annual household income
Quick overview
Quick overview of the TD® Aeroplan® Visa Infinite Privilege* Card
The TD® Aeroplan® Visa Infinite Privilege* Card is an attention-grabber for seasoned travelers and high-flyers across Canada thanks to its generous rewards, access to airport lounges, priority check-ins, and extensive insurance coverage. Renowned as one of the premier travel credit cards, it offers an exceptional opportunity to embark on a luxurious journey with an impressive Aeroplan® points earn rate. The card is made of metal and weighing in at 17g, adding to its prestige.
Who is the card for?
Who is the TD Aeroplan® Visa Infinite Privilege Card* for?
For those who seek exceptional travel and meet the high income requirements, the TD® Aeroplan® Visa Infinite Privilege* Card offers VIP access to elite adventures.
Yet, its value extends beyond just high earners.
| Ideal for: | Best features |
|---|---|
| Frequent flyers |
◦ Complimentary airport lounge access
◦ 1st checked bag free with Air Canada |
| Savvy shoppers |
◦ 1st year value of $3,067
◦ Bonus points on gas, groceries, flights |
| Luxury lovers |
◦ Maple Leaf Lounge access
◦ Visa Infinite Concierge ◦ Visa Luxury Hotels Collection ◦ Complimentary Avis Preferred Plus membership |
So, if you're a frequent flyer, a luxury-loving road warrior, or a points-obsessed power spender with a healthy income, the TD Aeroplan Visa Infinite Privilege Card could be your ticket to the high life.
TD® Aeroplan® Visa Infinite Privilege* Card pros and cons
Real user experiences
Pros
- Welcome bonus up to $3,000 in value† including up to 85,000 Aeroplan points†
- Complimentary Maple Leaf Lounge† access and six worldwide lounge visits annually†
- Priority Airport Services† like Boarding, Baggage Handling, and Priority Boarding
- High Aeroplan® earn rates, double points on eligible Air Canada purchases
- Extensive travel insurance benefits
- Free checked bags on Air Canada
- Preferred Pricing on Aeroplan® flight rewards
- Visa Infinite Privilege* designation perks (e.g. DragonPass membership)
- Up to $100 CAD NEXUS credit†
- Troon Rewards Platinum status benefit
Cons
- Steep annual fee of $599
- High eligibility requirements ($150,000 personal or $200,000 household income)
- Additional cardholder fee of $199
- High-value rewards mainly for Air Canada flights
Pros and cons
Welcome bonus
TD® Aeroplan® Visa Infinite Privilege* Card welcome bonus
The Aeroplan Visa Infinite Privilege Card from TD boasts a massive $599 annual fee but provides a huge amount of value that is more than reclaiming that membership charge. And that value starts with an impressive welcome bonus with up to 85,000 pts†.
How to earn rewards
How to earn Aeroplan reward points with the TD® Aeroplan® Visa Infinite Privilege* Card
At its basic level, the TD® Aeroplan® Visa Infinite Privilege* Card earns points in the following ways:
- 2 points† on eligible purchases made directly with Air Canada®, including Air Canada Vacations®.
- 1.5 points† for every $1 on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
-
1.25 points† on all other purchases
When you put this card against other Aeroplan contenders, the TD® Aeroplan® Visa Infinite Privilege* Card accelerates your point accumulation, especially on those everyday buys like gas and groceries.
Spending caps
There's a catch, though. There's a spending cap of $100,000 annually across all spending categories. Once you hit that, the earning rate takes a small dip to 1.25 points on all purchases. Yet, that base rate isn't too shabby, all things considered.
Points values and expirations
Aeroplan points have an average value of 1.4 cents per point, though how far your Aeroplan points will take you depends on your redemption option. Business class flights are more expensive to redeem for with points, whereas economy tickets cost fewer points to book. Additionally, opting for static-priced items like gift cards or merchandise will offer lower value than dynamic-priced awards, like flights or hotel stays with Aeroplan.
Aeroplan points expire after 18 months of inactivity on your account. You can keep your account open and active by buying or using points, flying with Air Canada, or simply using the TD Aeroplan VIP Cdr to purchase anywhere worldwide.
How to redeem
How to redeem Aeroplan points
To maximize your points value, it’s best to redeem points with Air Canada or on Aeroplan®’s website.
You have many options from flights, flight upgrades (think first-class), hotels, car rentals, and vacation packages. You can use a combination of points and cash to get you on the right flight with the comforts you desire (e.g. high cabin class, in-flight Wi-Fi). Note there are no cash surcharges on flight rewards with Air Canada, but there may be taxes and third-party fees (e.g., airport fees), and you can use your points to cover those.
You can book a flight reward on another airline (such as United, Lufthansa and Singapore, all members of the Star Alliance), but there is a flat “Partner Booking Fee” of $39 per ticket (which you can pay with points).
Know that Aeroplan® doesn’t stick to a fixed dollar value in flight redemptions. Your points’ worth sways with market value, distance and demand. So if you’re looking to squeeze out every ounce of value, there’s some number crunching involved.
Aeroplan points also transfer to select partners and loyalty programs:
Program
Transfer rate (program to Aeroplan)
3:1
10:1
Best Western Rewards
5:1
IHG Rewards
5:1
Wyndham Rewards
5:1
Shangri-La Rewards
1:1
Accor Live Limitless
2:1
Choice Privileges
5:1
Read more: Our comprehensive Aeroplan Points Guide.
Top tip: Pool points for dream trips
Aeroplan's Family Sharing feature lets up to eight people pool their points. No more sad faces when someone's just short of that dream trip – now you can combine forces and jet off together!
Key benefits
Key benefits of the TD Aeroplan Visa Infinite Privilege* Card
Aeroplan perks
The TD Aeroplan Visa Infinite Privilege Card stands out in several ways, particularly due to its extensive range of Aeroplan points and benefits. You can accumulate Aeroplan points on essential everyday expenses such as gas, bills, groceries, Air Canada flights, vacations, and products. Moreover, you can combine and distribute these points among up to 8 family members using Aeroplan Family Sharing.
Lounge access
When you travel, you can anticipate benefits like access to Air Canada Maple Leaf Lounges, complimentary first checked bag on Air Canada flights for the primary cardholder, additional cardholders, and up to eight travel companions, a round-trip companion pass from $99 each year, and more. The card also offers six complimentary passes per year to access DragonPass lounges through Visa Airport Companion.
How to access lounges
- Cardholders can show their membership in the Visa Airport Companion App or on the website
- Cardholders can use their TD Aeroplan Visa Infinite Privilege card to access lounges
Comprehensive insurance
Finally, the Visa Infinite Privilege version of the TD Aeroplan credit card gives you peace of mind with insurance coverage for just about every travel-related accident, including travel cancellations and interruptions, lost or damaged baggage, flight delays, emergency travel medical expenses, and more.
Toronto International Maple Leaf Lounge. Image courtesy of Aeroplan
Insurance coverage
TD Aeroplan Visa Infinite Privilege Card insurance coverage
The insurance suite with the Aeroplan Visa Infinite Privilege Card is extensive and provides protections for everything from a dream vacation to your day-to-day life:
Protection
Coverage
Mobile device insurance:
$1,500 of mobile device protection for a new or refurbished cellular phone, smartphone or tablet in case of accidental damage, theft or "mysterious disappearance."
Travel medical coverage
Up to $5 million for the first 31 days of your trip (four days if you’re over 65)
Travel accident insurance
Up to $500,000
Trip cancellation insurance
$2,500
Trip interruption insurance
$5,000
Flight delay insurance
$1,000
Baggage delay insurance
$1,000
Lost or stolen baggage insurance
$2,500
Rental car insurance
Up to $85,000 for 48 consecutive days (Plus save 10% when you rent with Avis or Budget)
Extended warranty
1 year
Purchase protection
120 days
Hotel burglary insurance
Up to $2,500 for eligible personal items stolen belonging to the primary cardholder or eligible family members traveling with them.
Extra benefits
Extra benefits of the Aeroplan Visa Infinite credit card from TD
Here are the other excellent travel and lifestyle benefits for frequent flyers that come with the TD® Aeroplan® Visa Infinite Privilege Card:
- After spending $25,000, you unlock a round-trip companion pass for only $99.
- Get priority check-in, boarding, baggage handling and airport standby for you and up to eight companions.
- Earn 1,000 Status Qualifying Miles and one Status Qualifying Segment towards Aeroplan Elite Status for every $5,000 spent (minus any returns/credits).
-
Ulimited access to Maple Leaf Lounges with 6 free passes to Dragonpass airport lounges worldwide courtesy of Visa Airport Companion.
- Comprehensive travel insurance, including emergency medical coverage up to $5 million and travel accident insurance up to $500,000.
- Link your Aeroplan card with Uber and Uber Eats accounts and earn one point per $1 spent on eligible rides and food orders.
- Earn an annual Worldwide Companion Pass after spending $25,000 on the card per year
- Enjoy 50% more points—and 50% more Starbucks Rewards—at participating Starbucks locations when reloading your card.
- Earn one point for every $4 spent plus bonus points at the LCBO at checkout or online through the LCBO mobile app.
TD's mobile app provides hassle-free financial management, right at your fingertips. Want to check your account balance while waiting for your morning coffee? No problem. Need to pay a bill before you forget? Easy. Looking to pay a friend back for dinner last night? As simple as a few clicks.
But the TD Bank mobile app isn't just about the basics. It's got some seriously cool tricks up its sleeve:
- Access to the complimentary Visa Infinite Concierge, available 24/7.
- Save a minimum of 10% on car rentals in the U.S. and Canada through Avis and Budget.
- Receive instant fraud alerts via mobile with TD Fraud Alerts.
- Visa Infinite Luxury Hotel Collection†: Book through the Visa Infinite Luxury Hotel Collection and receive seven exclusive benefits, with an additional eighth benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
- Get gas discounts at Ultramar, Chevron and Pioneer.
- Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
- Chip and pin technology for an added layer of security.
- TD Clari: Your 24/7 AI-powered financial buddy. Got a question? Clari's got an answer.
- Mobile deposit: Snap a pic of your cheque and watch the magic happen.
- TD MySpend: Keep tabs on your spending habits and get real-time notifications.
- Credit score access: Peek at your credit score without breaking a sweat.
- TD Global Transfer: Send money around the world faster than you can say "international!"
Metal card for added luxury
The TD Aeroplan VIP credit card is also constructed of metal, adding an extra layer of luxury with its impressive, weighty 17 gram body.
Top tip: Aeroplan VIP extra baggage
Even when traveling on a Basic fare (which typically limits carry-on luggage), you'll still be able to bring one personal item and one standard carry-on. It's like having a VIP pass for your baggage!
What cardholders say
The most common question asked is if this card is worth the $599 annual fee. Reddit user, Limp-toe-179, says it’s the Visa equivalent to the Amex Platinum, so if you have a good sign up bonus, consistently fly Air Canada and appreciate lounge access and insurance perks, this card could be right for you.
However, Redditor “deltatix” says that at this tier level, the Amex Aeroplan® Reserve card may make more sense. It’s no longer about pure earnings but more about special privileges and premium lounge access. Keep in mind that you can do a 1:1 transfer of Amex MR points to Aeroplan.
"Maple Leaf Lounge access? Check. Priority everything? Check. Feeling like a baller every time I fly? Priceless."
u/AirCanadaEnthusiast
How it compares
How the TD® Aeroplan® VIP Card compares
TD® Aeroplan® Visa Infinite Privilege* Card vs. American Express® Aeroplan® Reserve Card
up to 85,000 points
Welcome Bonus
$1,770
First Year Value
$70
Annual Value
Welcome Bonus: Earn up to 85,000 Aeroplan®* points.
Get this card if you...
- fly with Air Canada and want priority boarding and lounge access
- are looking to earn Aeroplan points faster through higher earn rates
- want comprehensive travel insurance to ensure peace of mind
Annual Fee & Annual Interest Rates
$599
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Aeroplan®* Reserve Card is a premium travel credit card tailored for frequent Air Canada travelers, offering elevated rewards on Air Canada purchases and dining, along with comprehensive travel benefits such as priority airport services and lounge access. Cardholders also enjoy extensive insurance coverage and an annual worldwide companion pass, enhancing both the value and convenience of their travel experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- Generous signup bonus where you can earn up to 85,000 Aeroplan points
- High earn rates on Air Canada, dining, and food delivery
- Extensive travel perks like priority check-in, boarding, and free first eligible checked bag on Air Canada flights
- Complimentary access to select Air Canada Maple Leaf Lounges within North America
- Toronto Pearson Airport benefits including priority security, complimentary valet parking, and discounts on parking and car care services
- Annual worldwide companion pass at a fixed base fare between $99 and $599 CAD (plus taxes and fees)
- $100 NEXUS statement credit every 4 years
- Robust insurance coverage including emergency medical
- Access to Amex Experiences such as movie premieres
- No minimum income requirement
Cons
- High annual fee of $599
- Lower acceptance when compared to Visa and Mastercard
- High spending to unlock signup bonus
- Limited high-earning categories
- 2.5% foreign transaction fee
- Priority perks limited to Air Canada flights
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
3X
the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
2X
the points on eligible Dining and Food Delivery purchases in Canada
1.25X
the points on everything else
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points. Here's how:
Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
You could earn up to $4,400 in value within your first 13 months.
When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
Conditions Apply.
Our Take
The American Express® Aeroplan®* Reserve Card is a premium travel credit card tailored for frequent Air Canada travelers, offering elevated rewards on Air Canada purchases and dining, along with comprehensive travel benefits such as priority airport services and lounge access. Cardholders also enjoy extensive insurance coverage and an annual worldwide companion pass, enhancing both the value and convenience of their travel experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$0
Required Annual Personal Income
$0
Required Annual Household Income
Pros
- Generous signup bonus where you can earn up to 85,000 Aeroplan points
- High earn rates on Air Canada, dining, and food delivery
- Extensive travel perks like priority check-in, boarding, and free first eligible checked bag on Air Canada flights
- Complimentary access to select Air Canada Maple Leaf Lounges within North America
- Toronto Pearson Airport benefits including priority security, complimentary valet parking, and discounts on parking and car care services
- Annual worldwide companion pass at a fixed base fare between $99 and $599 CAD (plus taxes and fees)
- $100 NEXUS statement credit every 4 years
- Robust insurance coverage including emergency medical
- Access to Amex Experiences such as movie premieres
- No minimum income requirement
Cons
- High annual fee of $599
- Lower acceptance when compared to Visa and Mastercard
- High spending to unlock signup bonus
- Limited high-earning categories
- 2.5% foreign transaction fee
- Priority perks limited to Air Canada flights
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$599
Annual Fee
2.50%
Foreign Transaction
Rewards Aeroplan
3X
the points on eligible purchases made directly with Air Canada®* and Air Canada Vacations®*
2X
the points on eligible Dining and Food Delivery purchases in Canada
1.25X
the points on everything else
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
New American Express® Aeroplan®* Reserve Cardmembers can earn up to 85,000 Aeroplan points. Here's how:
Earn 60,000 Aeroplan points after spending $7,500 in purchases on your Card within the first 3 months
Plus, earn an additional 25,000 Aeroplan points when you spend $2,500 in purchases in month 13
You could earn up to $4,400 in value within your first 13 months.
When you combine the Welcome Bonus offer of up to $1,700 in value, your earn potential in accelerated and everyday spend earn rate categories with approximately $1,760 in value, and the $1,000 in value you get from exceptional benefits, you can earn up to $4,400 or more in value within your first 13 months. Terms and usage assumptions apply.
Conditions Apply.
The TD® Aeroplan® Visa Infinite Privilege* Card and the American Express® Aeroplan® Reserve cards are tailored for the frequent flyer, with a tilt towards Air Canada loyalists. Both cards have a hefty annual fee of $599, which they attempt to justify with a suite of travel-oriented perks.
When it comes to cozy travel experiences, both cards extend priority services like early boarding and baggage handling on Air Canada flights, alongside Maple Leaf Lounges access. Yet, the Amex card takes the luxury a notch higher with unlimited Priority Pass lounge access (subject to a usage fee).
| TD® Aeroplan® Visa Infinite Privilege* Card | American Express® Aeroplan® Reserve Card |
|---|---|
|
Annual fee:
$599 |
Annual fee:
$599 |
|
Rewards:
Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®) Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card 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 (www.aeroplan.com/estore) |
Rewards:
Earn 3x Aeroplan points on eligible Air Canada®* and Air Canada Vacations®* purchases Earn 2x Aeroplan points on eligible dining and food delivery purchases in Canada Earn 1.25x Aeroplan points on everything else |
|
Benefits:
Unlimited access to Maple Leaf LoungesApply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†. |
Benefits:
Unlimited access to Maple Leaf Lounges$100 NEXUS◊ Card Statement Credit |
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
up to 100,000 points
Welcome Bonus
$471
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to 100,000 Membership Rewards® points* - that’s up to $1,000 towards a weekend away.
Get this card if you...
- are a frequent traveler who wants luxury perks like lounge access
- want to rack up rewards quickly
- want great travel insurance, perks and concierge services
Annual Fee & Annual Interest Rates
$799
Annual Fee
21.99% - 29.99%
Purchase
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
Our Take
The American Express Platinum Card® is a premium travel rewards credit card offering elevated Membership Rewards® points on eligible purchases, with a substantial welcome bonus for new cardholders. Cardholders enjoy exclusive benefits such as access to over 1,400 airport lounges worldwide† through the American Express Global Lounge Collection™, comprehensive travel insurance, and personalized concierge services.
Eligibility
Excellent (740+)
Recommended Credit Score
Pros
- Access to a wide range of luxury perks, including premium concierge service
- Complimentary lounge membership providing access to over 1,400+ airport lounges worldwide†
- Annual statement credits: $200 annual travel credit, $200 annual dining credit
- Special insurance coverages like trip cancellation/interruption, flight delay, lost or stolen baggage and rental car theft & damage.
- Provides extended warranty (2 years) and purchase protection (120 days).
Cons
- High annual fee of $799, one of the heftiest among Canadian cards
- The rewards system can be complicated, especially for users not familiar with maximizing credit card points
- Requires good to excellent credit for eligibility
Annual Interest Rates
21.99% - 29.99%
Purchase
30%
Penalty
Fees
$799
Annual Fee
2.50%
Foreign Transaction
$45
Return Penalty
Rewards Membership Rewards
2x
points for every $1 in Card purchases on eligible dining and food delivery in Canada
2x
points for every $1 in Card purchases on eligible travel
1x
point for every $1 in all other Card purchases
1
additional point on Amex Travel Online for eligible hotel or car rental bookings
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$1,000
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 100,000 Membership Rewards® points - that’s up to $1,000 towards a weekend away! Here's how:
New Platinum® Cardmembers, earn 70,000 Welcome Bonus points after you charge $10,000 in net purchases to your Card in your first 3 months of Cardmembership
Plus, earn 30,000 points when you make a purchase between 15 and 17 months of Cardmembership
Terms and Conditions Apply.
The TD® Aeroplan® Visa Infinite Privilege* Card and The Platinum Card® by American Express, cater to different audiences: the former to Aeroplan® members and frequent Air Canada flyers with perks like priority boarding. At the same time, the latter appeals to broader travel enthusiasts with extensive lounge access and hotel upgrades. TD's card excels in earning Aeroplan® points on Air Canada purchases, whereas Amex®'s card shines with a generous welcome bonus, an annual travel credit, and global luxury travel benefits. Both cards provide robust insurance, but Amex has a slight advantage with more comprehensive coverage, mirroring its broader travel benefits approach compared to TD's brand-specific focus.
The Amex Platinum has an annual fee of $799, but its travel and dining credit brings it down significantly. Both cards offer welcome bonuses that require a card renewal to unlock fully.
If luxury perks like hotel upgrades (e.g., room upgrades, daily breakfast, late checkout, etc.) at Hilton, Marriott, and Radisson are what you desire most, the Amex® wins. The Priority Pass membership has unlimited free entries, nearly $600 CAD in value, and you can bring a guest at no extra charge.
| TD® Aeroplan® Visa Infinite Privilege* Card | The Platinum Card® |
|---|---|
|
Annual fee:
$599 |
Annual fee:
$799 |
|
Rewards:
Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®) Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card 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 (www.aeroplan.com/estore) |
Rewards:
Earn 2X points on eligible dining and food delivery purchases in Canada Earn 2X points on eligible travel Earn 1X point on everything else Earn 1 additional point on eligible hotel or car rental bookings at Amex Travel |
|
Benefits:
Unlimited access to Maple Leaf LoungesApply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†.Comprehensive travel insurance |
Benefits:
Priority Pass Select memebrship with complimentary lounge access $100 NEXUS◊ statement credit Enjoy premium benefits at the Toronto Pearson Airport including security bypass, complimentary valet car service and discount car care and parking $200 annual dining credit $200 annual hotel credit |
Disclosures:
-
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
Is it worth it?
Is the TD® Aeroplan® Visa Infinite Privilege* worth it?
The TD® Aeroplan® Visa Infinite Privilege* Card is a luxury, travel-focused card designed for high-income individuals. With its impressive welcome bonus, comprehensive travel benefits, and premium perks, it offers undeniable value for those who can leverage its features.
While the annual fee is steep, frequent travelers can easily offset this cost through the card's rich rewards structure and additional travel benefits. In short, if you're looking for a card that can provide luxury travel experiences and a high points earn rate, this may be the card for you.
Aeroplan hack: Use points for stopovers for the perfect trip
Aeroplan's new stopover policy is a game-changer. For just 5,000 extra points, you can add a stopover in each direction of your journey. That means you could fly Toronto-London-Dubai-Singapore-Sydney-Toronto, essentially creating your own round-the-world ticket.
Eligibility requirements
Eligibility requirements
- Residency: Must be a Canadian resident of the age of majority in your province or territory
- Credit score: Excellent
- Personal income: $150,000
- Household income: $200,000
Disclosures:
-
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
FAQs
FAQs
Barry Choi
Contributor
Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.
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