TD Aeroplan Visa Infinite Privilege
Niche cardWhat the roles mean
- Frequent Air Canada flyers: unlimited Maple Leaf Lounge access in North America, for you and each additional cardholder
Welcome offer now
Up to 100,000 Aeroplan points + additional travel benefits — "up to $3,300 in value."
Checked on TD's own page October 21, 2026. See TD's page
What it earns in a year
43,500 points a year
Worth about −$164 after the $599 fee at the simplest redemption, up to $271 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Travel (First $100,000 a year, then 1.25× points): 2× points.
- Groceries (First $100,000 a year, then 1.25× points): 1.5× points.
- Gas / EV (First $100,000 a year, then 1.25× points): 1.5× points.
- Dining & restaurants (First $100,000 a year, then 1.25× points): 1.5× points.
- Transit (First $100,000 a year, then 1.25× points): 1.5× points.
- Everything else: 1.25× points.
Highlighted = use this card here.
Using your points
On the spending above, 43,500 points a year: worth $435 the easy way, $870 the best way.
- Easy way (1¢): Gift cards, merchandise or paying toward a cash fare
- Best way (2¢): Economy flights, best on Star Alliance partners. Business class on partners can reach 3–8¢
How to apply for the TD Aeroplan Visa Infinite Privilege
Check first
- Bonus not for recent TD Aeroplan cardholders: you can't get it if you opened any TD Aeroplan Visa (Platinum, Infinite, Infinite Privilege or Business) in the last 12 months
- Check you qualify Income: $150,000 personal or $200,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Air Canada and Hyatt: 2 points per $1 (Hyatt until July 15, 2029)
- Groceries, gas, EV charging, dining, travel, transit: 1.5 points per $1, up to $100,000 a year with Air Canada
- Everything else: 1.25 points per $1, fine here
- The bonus: spend $12,000 in 180 days, then $24,000 within 12 months (about $2,000/month) for the last 50,000
- Companion pass: needs $25,000 of spending in the card year
- Lounge guests: your free guest is stated only until December 31, 2026. Check the terms before 2027
- Example: $800/month groceries + $250/month gas + $250/month dining = 23,400 Aeroplan points a year
Key facts
- Annual fee
- $599
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $150,000
- Min. household income
- $200,000
- Rewards
- AeroplanSee every Aeroplan card
Annual fee waiver
- TD All-Inclusive Banking Plan: $139 off the $599 fee every year (and $75 off one additional card)
- Net cost with the plan: $460 a year
- The catch: the plan costs $30.95/month unless you keep $6,000 in it every day; one TD card a year
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $167 a year after both fees, vs −$164 with this card alone
- With this card's $599 fee rebated (see Fee waiver): $766 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $339 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 100,000 points: 20,000 on first purchase + 30,000 after $12,000 in 180 days + 50,000 after $24,000 in 12 months
- Unlimited Maple Leaf Lounge and Air Canada Café visits in North America, plus a guest
- 6 Visa Airport Companion lounge visits a year per cardholder, 1,200+ lounges
- Free first checked bag for you + up to 8 companions; priority check-in, boarding and bags
- Companion ticket from $99 + taxes each year after $25,000 of spending
- $5 million travel medical (first 31 days)
- $100 NEXUS rebate every 48 months
Cons
- $599 a year, not rebated in year one; $199 for each additional card
- The standard household ($1,600/month) spends $19,200 a year, short of the $24,000 needed for the last 50,000 points
- Needs $150,000 personal or $200,000 household income
- The lounge benefit is worth little unless you fly Air Canada several times a year
- No welcome offer if you opened any TD Aeroplan Visa in the past 12 months
- 2.5% on foreign-currency purchases
Insurance included
- Travel medical: $5 million, first 31 days; 4 days if you or your spouse is 65+
- Trip cancellation: $2,500 per person ($5,000 per account)
- Trip interruption: $5,000 per person ($25,000 per account)
- Flight delay: $1,000, after 4 hours
- Delayed bags: $1,000 per person, after 4 hours
- Lost bags: $2,500 per person
- Travel accident: $500,000
- Rental car damage: up to 48 days
- Hotel burglary: $2,500
- Phone: $1,500 for loss, theft or damage
- Purchases: 120 days of theft/damage cover, +2 years warranty
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Maple Leaf Lounge: unlimited in North America with a same-day Air Canada or Star Alliance flight
- Companion pass: round-trip companion ticket from $99 + taxes, after $25,000 a year
- Priority airport services: check-in, Zone 2 boarding, bags, standby
- Status: 1,000 status credits per $5,000 spent, up to 25,000 a year
- Hertz and Hyatt: Hertz President's Circle; Hyatt Discoverist status
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
| TD Aeroplan Visa Infinite Privilege | 2× points≈ 4.0% in value | $96 | $599 | October 21, 2026 |
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD Aeroplan Visa Infinite Privilege | 1.5× points≈ 3.0% in value | $288 | $599 | October 21, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 100,000 pts: 20k first purchase + 30k ($12,000 / 180 days) + 50k ($24,000 / 12 months). "Up to $3,300 in value."Unchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated September 1, 2026; $599 fee, 21.99% purchases | $599, not rebated yr 1 | none stated |
| October 17, 2026 | Up to 100,000 pts: 20k first purchase + 30k ($12,000 / 180 days) + 50k ($24,000 / 12 months). "Up to $3,300 in value."Changed from 85,000 pts / "up to $3,000" (March 2, 2026 offer); new offer dated September 1, 2026. Bonus earn now capped at $100,000/yr | $599, not rebated yr 1 | none stated |
General information, not financial advice. Offers change; confirm on TD's page before you apply.