Reviewed by Jen, founder of MoneyMint · Updated September 25, 2026

TDPremium Travel

TD Aeroplan Visa Infinite Privilege Card

Our take: strongest for groceries and gas — about 3% back in value (est.) for $599 a year, plus a welcome bonus we value at roughly $2,000.

#5 Travel

Welcome bonusEarn up to 100,000 Aeroplan points as a welcome bonus (over 3 tranches, 1 year)

Apply on TD’s site →

Goes straight to TD
Our review

The TD Aeroplan Visa Infinite Privilege Card is TD’s top-tier Air Canada Aeroplan co-brand card, sitting well above the standard TD Aeroplan Visa Infinite in both cost and benefits. Its $599 annual fee and $150,000 personal / $200,000 household income requirement put it out of reach for most applicants, but cardholders who qualify get unlimited Maple Leaf Lounge access, accelerated progress toward Aeroplan elite status, and a richer insurance and airport-experience package than the standard card offers. It’s built specifically for frequent Air Canada flyers with substantial spending power, not general travelers.

4.8out of 5

MoneyMint rating

#1 of 10 premium travel cards · How we rate

Rewards value

7/10

Insurance

10/10

Flexibility

9/10

Welcome bonus

10/10

Fee value

1/10

Perks

10/10

≈ $2,076

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual fee

$599$199 per additional card

Rewards rate

2 pts/$1on Air Canada purchases

Welcome bonus

Up to 100,000 Aeroplan ptsover 3 tranches / 1 year

Rewards

~3%on groceries (est. value)

Minimum income

$150,000 personalor $200,000 household

Foreign transaction fee

2.5% (est.)

Purchase APR 21.99% · Cash advance APR 22.99%

Pros & Cons

Pros

Unlimited Maple Leaf Lounge access for cardholder plus one guest — a rare, high-value perk among Canadian travel cards
1,000 Aeroplan Status Qualifying Credits per $5,000 spent (up to 25,000/year), accelerating progress toward Aeroplan elite status through spending, not just flying
Strong welcome bonus potential (up to 100,000 points) for cardholders who can meet the spend thresholds
Robust travel insurance suite, including high travel medical coverage limits and trip cancellation/interruption coverage
Companion pass (from $99 plus taxes after $25,000 annual spend) and free checked bags extend value to travel companions
Mobile device insurance up to $1,500 for loss, theft, accidental damage or mechanical breakdown of eligible mobile devices

Cons

$599 annual fee is among the highest of any Canadian travel card, plus $199 per additional cardholder
Very high income requirement ($150,000 personal / $200,000 household) excludes most applicants outright
Full welcome bonus requires $36,000 in combined spend across two tranches within the first year
Rewards are locked into the single-airline Aeroplan ecosystem rather than a flexible, transferable currency
Base earn rate outside Air Canada and select everyday categories is only 1.25 points per $1, modest for a premium-tier card

Rewards & Earn Rates

Air Canada purchases2 pts/$1

Gas, groceries, dining, transit1.5 pts/$1

All other eligible purchases1.25 pts/$1

This card’s fee ($599) and income requirement ($150,000 personal / $200,000 household) are dramatically higher than TD’s standard Aeroplan Visa Infinite card ($139 fee, $60,000/$100,000 income) — roughly $460/year more for the fee alone. The Privilege tier is only worth that premium if you’ll consistently use the unlimited lounge access and other top-tier perks; otherwise the standard Aeroplan Visa Infinite is very likely the better value.

Who It’s For

Best for

High-income frequent Air Canada flyers who value lounge access and elite-status progress over pure cash-back value
Households that can realistically meet the income threshold and the high spend thresholds needed for the full welcome bonus
Travelers who regularly bring companions on Air Canada flights and can use the free checked bag and companion pass benefits

Not ideal for

Applicants who don’t meet the $150,000 personal / $200,000 household minimum income requirement
Infrequent travelers or those who don’t fly Air Canada, who won’t extract enough value to offset the $599 fee
Consumers who prefer flexible, transferable rewards points over an airline-specific loyalty currency
Anyone who’d be better served by TD’s standard, much-lower-fee Aeroplan Visa Infinite card

Not Sure? Three Cards People Compare It With

All travel cards →

American Express Aeroplan Reserve Card

Pick this instead if most of your spending is dining (~4% est.).

Fee $599Rating 4.6 ★Bonus $1,700

Read review

RBC ION+ Visa

Pick this instead if you want a lower annual fee ($48).

Fee $48Rating 2.7 ★Bonus $200

Read review

American Express Aeroplan Business Reserve Card

Pick this instead if most of your spending is travel (~4% est.).

Fee $599Rating 4.2 ★Bonus $1,800

Read review

4.8MoneyMint rating

TD Aeroplan Visa Infinite Privilege Card

Best for groceries and gas · $599/year · ~$2,000 welcome bonus (est.)

Apply on TD’s site →Find a better fit

Jen, founder of MoneyMint

Reviewed by Jen. Every figure on this page was checked against TD’s official card page on September 25, 2026. How we rate cards →

This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by TD and can change without notice; always confirm current terms on the issuer’s official page before applying.

Frequently Asked Questions

Does the TD Aeroplan Visa Infinite Privilege Card have an annual fee?

Yes — $599/year for the primary cardholder, plus $199/year for each additional card. It’s among the highest annual fees of any Canadian travel card.

How many Aeroplan points does the TD Aeroplan Visa Infinite Privilege Card earn?

2 Aeroplan points per $1 on Air Canada purchases, 1.5 points per $1 on gas, groceries, dining, and transit, and 1.25 points per $1 on everything else.

What is the welcome bonus on the TD Aeroplan Visa Infinite Privilege Card?

Up to 100,000 Aeroplan points — 20,000 on your first purchase, 30,000 after spending ’2,000 in the first 180 days, and 50,000 more on your first anniversary after spending $24,000 in the first 12 months. TD states up to $3,300 in value; confirm current thresholds on TD’s official page since offers rotate.

What credit score do you need for the TD Aeroplan Visa Infinite Privilege Card?

MoneyMint’s research places the recommended credit score in the “Excellent” range as a general guideline, consistent with this card’s high $150,000/$200,000 income requirement.

Does the TD Aeroplan Visa Infinite Privilege Card include airport lounge access?

Yes — unlimited Maple Leaf Lounge access for the cardholder plus one guest, one of the card’s key features at this premium fee tier.