TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD® Aeroplan® Visa Infinite Privilege*

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TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

Apply Now

TD® Aeroplan® Visa Infinite Privilege* vs TD First Class Travel® Visa Infinite* Card: Which one is better?


TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD® Aeroplan® Visa Infinite Privilege*

3.2


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

TD First Class Travel® Visa Infinite* Card

TD First Class Travel® Visa Infinite* Card

3.9


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rewards Breakdown

Annual Rewards

$601.85

Air Canada Aeroplan®


First Year Bonus

$1,470

Air Canada Aeroplan®


Annual Fee

$599


First Year Value

$1,472.85

$2.85 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$401.23

TD Rewards


First Year Bonus

$575

TD Rewards


Annual Fee

$139


First Year Value

$976.23

$262.23 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $2.5K/person
  • hourglass timer

    Baggage Delay

    $1K/person after 4 hours
  • car insurance

    Car Rental Damage & Theft

    Up to 48 consecutive rental days
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,500
  • extended warranty

    Extended Warranty

    2 years
  • purchase protection

    Purchase Protection

    120 days
  • burglar

    Hotel Burglary Insurance

    $2500
  • travel accident medical

    Emergency Out of province Medical

    $5M/insured up to 31 days
  • travel accident medical

    Emergency Medical Over 65

    $5M/insured up to 4 days
  • cancel airplane

    Trip Cancellation

    $2.5K/person, $5K/trip
  • pause

    Trip Interruption

    $5K/person, $25K/trip
  • hourglass timer

    Flight Delay

    $1,000/person after 4 hours

Insurance Included

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    $2,500
  • travel accident medical

    Emergency Out of province Medical

    21 days
  • travel accident medical

    Emergency Medical Over 65

    4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000
  • hourglass timer

    Flight Delay

    $500

Extra Benefits

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa Infinite Exclusive Benefits

  • concierge

    Concierge Services

  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
  • reward cup

    Extra points

    Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
  • reward cup

    Extra points

    Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
  • golf clubs

    Golf Benefit

    Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S

  • alcohol cheers

    Airport Lounge - Dragon Pass

    6 Free complimentary visits
  • gavel

    Trip and legal Assistance

  • airplane love

    Companion Voucher

    Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
  • star fall

    Status lift

    Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases
  • star fall

    Status lift

    Complimentary upgrade to Avis® President's Club
  • star fall

    Status lift

    Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.
  • star fall

    Status lift

    Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.
  • star fall

    Status lift

    Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.
  • luggage

    Free first checked bag

    First checked bag is free for primary cardholder on WestJet flight and up to 8 guests
  • border guard

    Nexus Program Rebate

    $100 every 4 years
  • airport waiting room

    Priority Travel

    At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.
  • airport waiting room

    Priority Travel

    Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
  • alcohol cheers

    Airport Lounge - Maple Leaf and AirCanada Cafes

    Unlimited Access for you and one guest

Extra Benefits

  • car rental

    Car Rental Discount

    10% off base rate of Avis Rent A Car and Budget Rent A Car
  • exclusive

    Visa Infinite Exclusive Benefits

  • concierge

    Concierge Services

  • reward cup

    Extra points

    Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
  • golf clubs

    Golf Benefit

    Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S

  • birthday cake

    Annual Birthday Bonus

    Earn a Birthday Bonus of up to 10,000 TD Rewards Points
  • travel

    Travel Credit

    Get an annual TD Travel Credit of $100 when you book at Expedia For TD

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$599

Annual Fee

$139

$0

First Year Waived

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Welcome Bonus

20,000 points after approval. 50,000 points after spending over $7,500 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card.

Welcome Bonus

Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by January 6, 2025.

Rewards Rate

  • 2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
  • 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
  • 1.25 Point on everything else

Rewards Rate

  • 8x points per $1 spent on travel booked online through Expedia for TD
  • 6x points per $1 spent on eligible grocery and restaurant purchases
  • 4x points per $1 spent on eligible recurring bill payments
  • 2x points per $1 spent on all other eligible purchases

Loyalty Program

Loyalty Program

Point Redemption Options

  • travel - plane

    Travel

    0.825¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift Cards

    0.72¢ / point

  • Most Optimal

    flight plane

    Aeroplan® Flights

    2.1¢ / point
  • car rental

    Car Rentals

    0.9¢ / point

Point Redemption Options

  • travel - plane

    Travel

    0.4¢ / point
  • gift card

    Gift Cards

    0.25¢ / point
  • online shop

    Merchandise

    0.225¢ / point

  • Most Optimal

    expedia

    Travel via Expedia

    0.5¢ / point
  • education

    Education

    0.4¢ / point
  • amazon logo

    Amazon.ca

    0.33¢ / point
  • cash coins

    Statement Credits (Cash)

    0.25¢ / point

Is this card worth it?

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

Is this card worth it?

The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.

Pros

  • Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
  • High coverage limit on insurance.
  • Numerous luxury benefits and statuses available for use.

Pros

  • Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
  • Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
  • First year annual fee rebate, making it free for the first year.
  • Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
  • Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.

Cons

  • The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
  • You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
  • The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
  • The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.

Cons

  • High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
  • TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
  • The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.

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