VaultNerd
TD Aeroplan Visa Infinite Privilege Card
travel4.2 / 5

TD Aeroplan Visa Infinite Privilege Card

TD

Best for

Frequent Air Canada flyers with premium spend who will use lounge access and priority services every trip.

Apply on TD
Annual fee
$599
FX fee
2.5%
Purchase APR
21.99%
Income req.
$150,000 personal / $200,000 household
Recommended credit score
780+
Approval difficulty
Hard approval

VaultNerd estimate based on the card's tier and income requirements — not an official issuer cutoff. Approval also depends on income, debt, and credit history.

Our verdict

A genuinely premium Aeroplan card whose lounge and priority benefits can easily out-value the $599 fee for regular Air Canada travellers — but only for them.

Reward rates

Air Canada & Air Canada Vacations (direct)
2x
Gas & EV charging
1.5x
Groceries
1.5x
Dining
1.5x
Travel & transit
1.5x
All other purchases
1.25x

VaultNerd values these points at ~2¢ each.

Welcome bonus

~$1,700 value

Up to 85,000 Aeroplan points (20,000 on first purchase + 35,000 with initial spend + 30,000 anniversary bonus); TD values the full offer at up to $3,000 including travel benefits. Value shown is points at 2 cents each.

Requirement: Spend $12,000 within 180 days for 35,000 points; spend $24,000 within 12 months for the 30,000-point anniversary bonus

Pros

  • Unlimited Maple Leaf Lounge access and full Air Canada priority airport services
  • Best-in-class insurance with $5M / 31-day travel medical
  • Large welcome offer worth roughly $1,700 in Aeroplan points

Cons

  • $599 annual fee with no first-year rebate
  • High income requirement ($150k personal / $200k household)
  • Bonus thresholds require heavy spending

Perks

  • Unlimited Air Canada Maple Leaf Lounge access in North America, plus one guest
  • 6 complimentary worldwide lounge visits per year via Visa Airport Companion Program
  • Priority check-in, boarding, baggage handling, standby and upgrades on Air Canada
  • Free first checked bag for you and up to 8 travel companions
  • NEXUS application fee rebate (up to $100) once every 48 months
  • Metal card design

Insurance

  • Travel emergency medical (up to $5M, 31 days under age 65)
  • Trip cancellation (up to $2,500/person) / trip interruption (up to $5,000/person)
  • Flight/trip delay (up to $1,000)
  • Delayed baggage (up to $1,000) and lost baggage (up to $2,500) per person
  • Common carrier travel accident (up to $500,000)
  • Auto rental collision/loss damage (up to 48 days)
  • Hotel/motel burglary (up to $2,500)
  • Mobile device insurance
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.
Written by
The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“TD Aeroplan Visa Infinite Privilege Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/td-aeroplan-visa-infinite-privilege, updated June 2026.

Sources
  • TD cardholder agreement and rates & fees disclosure
  • VaultNerd cards database