Annual Fee
$399
Extra Card Fee
$99
Card Type
Credit
Purchase
19.99%
Cash Advance
22.99%
Balance Transfer
22.99%
Personal Income
$200,000
Household Income
$200,000
Canadian resident who has reached the provincial age of majority.
  • Welcome Bonus¹: 25,000 Aeroplan® Miles upon first purchase.
  • Earn Aeroplan® Miles with every purchase made on your Card and arrive at your dream destination sooner:
    • 1.5 miles5 for every $1 spent on eligible grocery, gas, drugstore and Air Canada® purchases (excluding Air Canada Vacation® packages) made with the card (capped annually on the first $100,000 across these categories), and
    • 1.25 miles6 for every $1 spent on all other purchases made with the card.
  • Enjoy Air Canada®³ and Visa Infinite Privilege* benefits⁴ including:
    • Priority Check-in on Air Canada®³ flights,
    • Priority Boarding on Air Canada®³ flights,
    • First checked bag free on Air Canada®³ flights, and
    • Four annual One-Time Guest Passes to the Maple Leaf Lounge (when travelling on flight rewards).
  • 50% discount on companion tickets for eligible Executive Class or Executive First fare (booking classes J & C) on tickets entirely operated by Air Canada®³ & Air Canada Express®.
  • Global Airport Lounge Access.⁴
  • Visa Infinite Privilege* Airport Benefits⁴ at Vancouver, Ottawa and Montreal-Trudeau International airports.
  • An extensive suite of travel insurance.
  • Sponsored advertising. 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 visit www.TD.com.
Extended Warranty 2 years
Purchase Protection 120 days
Travel Accident $500,000
Emergency Medical Term 22 days
Emergency Medical over 65 4 days
Trip Cancellation $2,500
Trip Interruption $5,000
Flight Delay $1,000
Baggage Delay $1,000
Lost or Stolen Baggage $2,500
Rental Car Theft & Damage Yes

Please review your insurance certificate for details, exclusions and limitations of your coverage.

The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aimia Canada Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program.

The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program.

Annual interest rates, fees and features are current as of June 19, 2017, unless otherwise indicated and subject to change.

1 Welcome Bonus of 25,000 Aeroplan Miles ("Welcome Bonus Miles") will be awarded to the Aeroplan Member account associated with the TD® Aeroplan® Visa Infinite Privilege* Card Account (“Account”) only after the first Purchase is made on the Account. If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. These miles are not eligible for Aeroplan status.

2 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User.

3 All Air Canada benefits are fulfilled in whole or in part by Air Canada or its designated affiliates or other third parties, and are subject to change at any time. The Toronto-Dominion Bank and its affiliates are not responsible for fulfilling these benefits. For more details about these benefits, please contact Air Canada directly. Air Canada Benefit Eligibility – Priority Travel Services : With the TD Aeroplan Visa Infinite Privilege Card, Air Canada benefits (the complimentary first checked bag, priority check in and priority boarding) apply whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access priority check-in and priority boarding, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards® or Market Fare Flight Rewards®) using miles from their Aeroplan account. To access these benefits, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. Where zonal boarding is available, the priority boarding status will be recognized by a Zone 2 descriptor for the Primary Cardholder and companions travelling on the same reservation checking-in at the same time, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation checking-in at the same time as the Primary Cardholder. To access priority check-in and priority boarding, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege* Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag , up to 23kg (50lb), applies whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) using miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege * Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated.

The complimentary first checked bag, up to 23kg (50lb), applies whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) using miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated.

Air Canada Benefit Eligibility – Air Canada Maple Leaf Lounge One-Time Guest Access Benefit : With the TD Aeroplan Visa Infinite Privilege Card, the Primary Cardholder will receive four Air Canada Maple Leaf Lounge™ One-Time Guest Access Benefits once every calendar year (January 1 - December 31). The Primary Cardholder may access an Air Canada Maple Leaf Lounge™, where available, upon presentation of an active TD Aeroplan Visa Infinite Privilege Card with a valid, same-day boarding pass for travel using an Aeroplan Flight Reward, only, on flights operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. To access this benefit, the Primary Cardholder must redeem their Aeroplan Flight Reward (defined as Fixed Mileage Flight Rewards® or Market Fare Flight Rewards®) with miles from their Aeroplan account. Each Air Canada Maple Leaf Lounge One-Time Guest Access Benefit applies for a single entry during the calendar year for which it was provided by the Primary Cardholder only and cannot be carried forward to the next calendar year. As of November 2, 2015, Air Canada Maple Leaf Lounge One-Time Guest Access Benefits associated with the TD Aeroplan Visa Infinite Privilege Card may be used by a traveling companion, pending space availability, provided that the companion is booked on the same reservation as the eligible Primary Cardholder. Only applicable if the companion ticket is also redeemed using miles from the eligible Primary Cardholder’s Aeroplan account. Companion must be accompanied by the eligible Primary Cardholder who is using a One-Time Guest Access Benefit to access the same Air Canada Maple Leaf Lounge. The One-Time Guest Access Benefit may be extended to more than one companion at any given time, pending space availability, provided that the conditions above are met and that this does not exceed the maximum annual allotment of One-Time Guest Access Benefits. Additional conditions may apply and are outlined on aircanada.com/tdbenefits. Air Canada Maple Leaf Lounge access is subject to availability and all other terms and conditions located here that are subject to change at Air Canada’s sole discretion from time to time. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be in effect.

Air Canada® Benefit Eligibility – 50% Discount on Companion Ticket : Upon the purchase from Air Canada of two (2) eligible Business Class (Flexible) fares for the Primary Cardholder and a companion (booking classes J, C, and D only) on tickets entirely operated by Air Canada or under the Air Canada Express banner, the Primary Cardholder will be eligible for a 50% discount on the companion ticket. Flights operated by other airlines, including Air Canada-marketed codeshare flights are not eligible. The 50% discount only applies on the published fare, and will not apply to any additional taxes, fees, charges or surcharges. This offer is available once every calendar year (January 1 – December 31) to each Primary Cardholder. The Primary Cardholder can only access the 50% discount each year when booking online at aircanada.com using that year’s promotional code. All travel must be completed by December 31 of the following year. Offer also applies to select Premium rouge bookings, where booking classes J, C, or D are available, on flights operated by Air Canada rouge to select destinations in Canada, the United States, or the Caribbean. Should you require assistance completing your 50% discount during your online booking, please contact Air Canada at 1-888-247-2262. Offer is non-transferable, and the companion Business Class ticket must be booked on the same reservation as the eligible Business Class (Flexible) booking by the Primary Cardholder. Please note that promotional codes apply to undiscounted published fares. Some of our previously discounted fares, while not eligible for the promotion, may be lower than the final price of the undiscounted fare to which the promotion applies.

4 You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege Card to take advantage of the Visa Infinite Privilege benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at www.visainfinite.ca/privilege/terms.jsp). The Visa Infinite Privilege privacy policy (available at www.visainfinite.ca/privilege/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies.

5 1.5 Bonus Aeroplan Miles (“Bonus Rate”) are earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Visa Infinite Privilege Card Account (“Account”). This Bonus Rate is also earned on each $1.00 in Purchases from Air Canada charged to your Account for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight. Excluded from the Bonus Rate are Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore products/services and Air Canada Purchases must be made at merchants classified through the Visa* network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “drugstore” or “Air Canada” category. Some merchants may sell gas, groceries or drugstore products/services or Air Canada products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services or Air Canada products/services, but may not be classified with a gas, grocery, drugstore or Air Canada MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $100,000 in net annual Purchases of gas, groceries, drugstore products/services and Air Canada Purchases made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries, drugstore products/services or Air Canada Purchases on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6 1.25 Aeroplan Miles are earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements ).

All trade-marks are the property of their respective owners.

* Trademark of Visa Int., used under license.

TM Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license.

® Air Canada, Air Canada Express, Air Canada Rouge and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license.

® Air Canada is a registered trademark of Air Canada, used under license.

® Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aimia Canada Inc.

® The Aeroplan logo and Aeroplan, are registered trademarks of Aimia Canada Inc.

The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Annual interest rates, fees and features are subject to change.

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Our Review

The TD® Aeroplan® Visa Infinite Privilege* Card is a premium credit card that, as you would expect, comes with premium features and perks.

Not only does it look similar to its little brother, the , it also shares a reward program with it – Aeroplan.

Earning Aeroplan Miles on your purchases

The big difference between the 2 is that you'll get 1.25 Aeroplan Miles per dollar spent on everyday purchases with this card instead of just 1.

Then, like the Visa Infinite version, you'll still earn 1.5 miles per dollar spent on:

  • groceries,
  • gas,
  • drugstore purchases, and
  • purchases made through Air Canada.

With the value of an Aeroplan Mile sitting at 2.5 cents when redeemed for flights, you'll be looking at a return on spending of roughly 4%.

To put the cherry on top, you'll get a welcome bonus of 25,000 Aeroplan Miles after you make your first purchase. That's enough for a free economy flight anywhere in Canada or the USA and is worth roughly $625.

Not a bad way to start planning your next trip.

Please note: The Aeroplan program is likely going to be undergoing changes in 2020 which could impact reward value.

Perks, perks, and more perks

One big advantage to this card, even more than the rewards and welcome bonus, is the travel perks that it comes with.

TD travel and purchase insurance

Increased insurance coverage is one.

You'll get:

  • 22 days travel medical vs. 21,
  • $2,500 trip cancellation vs. $1,500,
  • $2,500 lost or stolen baggage vs. $1,000,
  • up to 2 years of extended warranty vs. 1 year, and
  • 120 days of purchase protection vs. 90 days.

Plus, you'll be covered by 5 other types of insurance, and if you're over the age of 65, you'll have 4 days of travel medical coverage – which is pretty rare.

Exclusive Air Canada perks

While the gives you some great perks while flying on rewards flights, the TD® Aeroplan® Visa Infinite Privilege* Card gives you the following on ALL Air Canada flights.

You'll enjoy:

  • priority check-in,
  • priority boarding, and
  • complimentary first checked bag free.

Next, you'll get even more airport lounge access than with normal Infinite cards. We're talking 4 annual Maple Leaf Lounge passes, vs. the 1 annual pass you get with the Visa Infinite version.

And you'll get a 50% discount on a Business Class Companion Ticket on an Air Canada flight. Simply book 2 eligible Business Class fares and get a 50% discount on the base airfare.

Visa Infinite Privilege exclusive benefits

As a Visa Infinite Privilege card, you'll need a $200,000 household income to qualify for it, but there are a number of travel-related perks and benefits that you'll have access to through Visa Infinite Privilege.

You'll get:

  • a free Priority Pass membership, and 6 free annual passes to their more than 1,200 lounges worldwide,
  • Visa Infinite Privilege benefits at Vancouver, Ottawa, and Montreal-Trudeau International airports,
  • access to the Visa Infinite Luxury Hotel Collection,
  • complimentary 24/7 Visa Infinite Privilege concierge,
  • the Visa Infinite Food and Wine Experiences, and
  • the Visa Infinite Canada Wine Country Program.

If you're a frequent traveller, this is a card you'll want in your wallet.

It comes with an annual fee of $399 for the primary cardholder and $99 for authorized user.

Looking for something a little different?

If you want valuable Aeroplan rewards and Air Canada benefits, but don't meet the $200,000 income requirement above, the will give you one free checked bag, priority check in, and priority boarding when travelling on Aeroplan rewards flight.

Plus, you'll get one Maple Leaf Lounge pass annually to be used when flying on a rewards ticket. And it's for a lower annual fee of $120.

Or, if you're looking for something with an even lower annual fee, the will give you Aeroplan Miles on all of your purchases, although it doesn't come with any Air Canada flight perks.

What are your thoughts?

The creditcardGenius algorithm calculates an estimated dollar value for all rewards and bonuses by using a typical point value a person can realistically achieve by redeeming their rewards in a reasonably optimized way. The "Welcome Bonus" is the dollar value obtained by combining of all one-time bonuses available to new cardholders within the first year. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. Terms and conditions apply.

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