Rewards Calculator Algorithm
You can either estimate rewards by inputting your spending habits manually or creating secure bank connections through our trusted financial partner mx.com and letting Finly analyze your spending in the past year.
Finly factors in all the reward limits and fine prints of every single credit card so you can be sure your results are as accurate as possible.
Note: The bank connections are not perfect, meaning that occasionally the connection may fail. This happens when the MX bank connector is unable to establish the link, which is beyond our control. If this occurs, please feel free to inform us and use the manual method as an alternative.
Your Spending
Modify your spending numbers and click update to get the most accurate reward estimates.
Restaurant, Fast Food & Coffee Shop
$
Grocery
$
Recurring Purchases (Bills, Subscriptions, Rent via Chexy)
$
Gas
$
Transportation
$
Entertainment (Movies, Concerts, etc.)
$
Foreign Purchases (Non $CAD)
$
Travel (Flights, Hotels, etc.)
$
Pharmacy
$
Online Shopping
$
Home Improvement (Renovation, Furniture)
$
Purchases at Canadian Tire, Sport Check, Lquipeur, Atmosphere, Party City, SportsRousseau, HockeyExperts, LentrepduHockey
$
Other Purchases Not Specified
$
Linked Credit Cards
Connect your existing credit cards starting with your most used one. After a successful connection, view all Canadian credit cards with their rewards ranked using your true spending habits.
Card Details
Based on $2,000 spending
First Year Value
$422.85
$2.85 in years after
Annual Rewards
$601.85
Air Canada Aeroplan®
First Year Bonus
$420
Air Canada Aeroplan®
Annual Fee
$599
First Year Value
$422.85
$2.85 in years after
Interest Rates
Cash Advance: 22.99%
Purchase: 20.99%
Annual Fee
$599
Annual Income
Personal: $150,000
Household: $200,000
Credit Score
Excellent
Welcome Bonus
20,000 points after the eligible first purchase. 35,000 additional bonus points after spending $12,000 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.
Card Type
Category: Points
Loyalty Program: Air Canada Aeroplan®
Our Rating
2.9/5
Institution
TD
Rewards
- 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
TD® Aeroplan® Visa Infinite Privilege* Points Calculator
Based on $2,000 spending
Rewards Ranking
Rewards Breakdown
Air Canada
480 points
All other categories with bonus points
16,098 points
All other purchases
12,081 points
Annual Fee
- $599
Net Annual Rewards
28,659 points
Valued at $2.85 (after fees)
Rewards Summary
Net Annual Rewards
28,659 points
Valued at $2.85 (after fees)
First Year Card Bonus
20,000 points
Valued at $420
First Year Card Value
28,659 points
Valued at $422.85
Point Redemptions
Note: A negative redemption value indicates that redeeming your rewards using that method might lead to a situation where the value you get is less than what you pay for as the annual fee of the card based on your spending habits, however this does not take into account the value you get from extra benefits.
Redemptions Chart
Transfer to Airline Partners
$422.85
Travel
-$197.56
Gift Cards
-$238.92
Insurance & Benefits
Insurance
Coverage
Emergency Out of province Medical
$5M/insured up to 31 days
Emergency Medical Over 65
$5M/insured up to 4 days
Trip Cancellation
$2.5K/person, $5K/trip
Trip Interruption
$5K/person, $25K/trip
Flight Delay
$1,000/person after 4 hours
Baggage Delay
$1K/person after 4 hours
Lost or Stolen Baggage
$2.5K/person
Travel Accident
$500,000
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Car Rental Damage & Theft
Up to 48 consecutive rental days
Hotel Burglary Insurance
$2500
Purchase Protection
120 days
Extended Warranty
2 years
Mobile Device Insurance
$1,500
Benefits
Details
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Free first checked bag
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
Nexus Program Rebate
$100 every 4 years
Visa Infinite Exclusive Benefits
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Concierge Services
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
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores
Extra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore
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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
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
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
Status lift
Complimentary upgrade to Avis® President's Club
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.
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.
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.
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.
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)
Airport Lounge - Dragon Pass
6 Free complimentary visits
Airport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card
Pros & Cons
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.
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.