The TD Aeroplan Visa Infinite Privilege credit card is one of the premium travel credit cards in Canada. It is designed for frequent travelers who want to maximize their Aeroplan points while enjoying exclusive perks. This card offers many benefits, including high earning rates on Air Canada purchases, travel insurance, and lounge access. However, it comes with a higher annual fee, making it best suited for people who travel often and can make the most of its features.
Key Benefits of the TD Aeroplan Visa Infinite Privilege Credit Card
1. Earn Aeroplan Points on Every Purchase
The main attraction of this card is the ability to earn Aeroplan points, which can be redeemed for flights, hotels, and other rewards. Here’s how the earning works:
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- 2 Aeroplan points per $1 spent on Air Canada and Air Canada Vacations purchases.
- 1.5 Aeroplan points per $1 spent on eligible grocery, gas, and direct through hotel purchases.
- 1.25 Aeroplan points per $1 spent on all other purchases.
With these earning rates, frequent travelers can accumulate points quickly. This allows cardholders to book flights sooner and enjoy other Aeroplan rewards.
2. Comprehensive Travel Insurance
The TD Aeroplan Visa Infinite Privilege credit card offers robust travel insurance coverage. This ensures that you are protected during your trips. The travel insurance includes:
- Travel medical insurance (up to $5 million for 21 days for those under 65 years old).
- Trip cancellation and trip interruption insurance, protecting you against unforeseen events like illness or cancellations.
- Flight and baggage delay insurance that covers costs if your flight is delayed or if your baggage is lost or delayed.
- Car rental insurance for vehicle damage or theft, which eliminates the need to purchase additional coverage from rental companies.
These protections add peace of mind when traveling, especially for longer or international trips.
3. Access to Air Canada Benefits
As a TD Aeroplan Visa Infinite Privilege cardholder, you can enjoy special perks when flying with Air Canada. Some of these benefits include:
- Priority check-in and boarding to help you skip the long lines at the airport.
- Complimentary first checked bag for you and up to 8 travel companions on the same reservation. This can save you a significant amount of money on baggage fees.
- Air Canada Maple Leaf Lounge access, offering a comfortable place to relax before your flight. You and one guest can enjoy complimentary access to these lounges when flying with Air Canada.
These benefits make your travel experience smoother and more enjoyable.
4. Visa Infinite Privilege Benefits
The TD Aeroplan Visa Infinite Privilege credit card comes with access to the Visa Infinite Privilege program. This provides:
- Exclusive access to luxury hotels and resorts, with special benefits such as room upgrades, late checkout, and complimentary breakfasts.
- Concierge services that help with restaurant reservations, event tickets, and more.
- Exclusive events and offers, such as wine tastings or culinary experiences.
These privileges are available to cardholders and can enhance both travel and everyday experiences.
5. High Welcome Bonus
When you sign up for the TD Aeroplan Visa Infinite Privilege credit card, you can earn a significant welcome bonus. This bonus usually consists of a large number of Aeroplan points when you meet certain spending requirements in the first few months. For example, a typical offer might be up to 100,000 Aeroplan points after meeting the card’s spending thresholds. These points can be used towards flights or other travel-related expenses, giving you a head start on your rewards.
6. Annual Fee and Income Requirements
The TD Aeroplan Visa Infinite Privilege credit card has a high annual fee of $599. While this may seem steep, it is common for premium credit cards that offer extensive benefits. However, this fee may be worth it if you take full advantage of the card’s perks.
To qualify for the card, you must meet the following income requirements:
- Personal income of $200,000 or
- Household income of $200,000
These requirements make this card most suitable for high-income earners who travel frequently.
7. Additional Benefits
Along with the main perks, the TD Aeroplan Visa Infinite Privilege credit card includes other useful benefits, such as:
- NEXUS application fee rebate: You can get a rebate for the $50 application fee for NEXUS, which speeds up customs processing when traveling between Canada and the U.S.
- Mobile device insurance: This covers your phone in case of theft or damage.
- Emergency roadside assistance: If your vehicle breaks down, this service provides assistance.
These added features make the card even more valuable.
Who Should Get This Card?
The TD Aeroplan Visa Infinite Privilege credit card is ideal for those who fly frequently with Air Canada or plan to use Aeroplan points for travel. It’s best suited for high-income earners who can afford the $599 annual fee and want to enjoy premium travel perks. If you can take advantage of the priority services, lounge access, and travel insurance, the card’s benefits can outweigh its cost.
Downsides of the Card
While the card offers many advantages, there are a few downsides to consider:
- High annual fee: At $599, this card is expensive. It’s important to calculate whether you will get enough value from the perks to justify the cost.
- Income requirements: Not everyone will qualify for the card due to its high personal and household income requirements.
- Points earning limits: Some people may find the earning categories limiting, especially if they don’t spend much on Air Canada or at hotels.
If you don’t travel frequently, you may be better off with a lower-fee card that still offers rewards.
FAQs: TD Aeroplan Visa Infinite Privilege Credit Card
Q1. How many Aeroplan points can I earn with this card?
A1. You can earn 2 points per $1 spent on Air Canada purchases, 1.5 points per $1 on groceries, gas, and hotel stays, and 1.25 points per $1 on everything else.
Q2. Does the card come with travel insurance?
A2. Yes, the card offers comprehensive travel insurance, including trip cancellation, medical coverage, baggage delay, and more.
Q3. What is the annual fee for the TD Aeroplan Visa Infinite Privilege credit card?
A3. The annual fee is $599.
Conclusion
The TD Aeroplan Visa Infinite Privilege credit card is an excellent option for frequent travelers who want to earn Aeroplan points and enjoy luxury travel perks. With strong earning potential, comprehensive travel insurance, and exclusive Air Canada benefits, it’s a powerful tool for enhancing your travel experience. However, the high annual fee and income requirements mean this card is best suited for those who can fully utilize its perks. If you travel often and value comfort and convenience, this card could be a great fit for you.
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