TD® Aeroplan® Visa Infinite Privilege*

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.

Total Spending

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$0

Card Details
Rewards
TD® Aeroplan® Visa Infinite Privilege* Points Calculator
Insurance & Benefits
Pros & Cons

Rewards based on $0 average spending

Card Details

Annual Rewards

$593.72

Aeroplan rewards

First Year Bonus

$1,470

Aeroplan rewards

Annual Fee

$599

First Year Value

$1,464.72

-$5.28 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 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.

Card Type

Reward: Points

Loyalty Program: Air Canada Aeroplan

Our Rating

3.2/5

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* Credit Card Points Calculator

Based on average spending

Rewards Ranking

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Rewards Breakdown

Air Canada

480 points

All other categories with bonus points

15,711 points

All other purchases

12,081 points

Annual Fee

- $599

Net Annual Rewards

28,272 points

Valued at $-5.28 (after fees)

Rewards Summary

Net Annual Rewards

28,272 points

Valued at -$5.28 (after fees)

First Year Bonus

70,000 points

Valued at $1,470

First Year Value

98,272 points

Valued at $1,464.72

Point Redemptions

Welcome Bonus

Redemptions Chart

Transfer to Airline Partners

$1,464.72

Travel

$211.75

Gift Cards

$128.22

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
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

Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guests
Nexus Application
$100 every 4 years
Visa Infinite Exclusive Benefits
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
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.
Airport Benefits
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 Benefits
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.