TD Aeroplan Visa Infinite Card Review

I have had the TD Aeroplan Visa Infinite credit card for a number of years now.  Here’s my TD Aeroplan Visa Infinite review.

TD uses Equifax credit bureau for reporting.

Because we have chequing account with TD that we keep a minimum balance on for no fee banking, we can have the annual fee waived for this card on a yearly basis (and not just the first year free).

Prior to this, we had the TD First Class Travel Visa.  We enjoyed a trip to Whistler (one night hotel stay at a luxurious feeling Hilton during COVID when we just had staycations) and a the local PNE Winter Lights drive thru show using our points, it was great!

The TD Aeroplan Visa Infinite has been one of my favourite cards.

TD Aeroplan Visa Infinite Annual Fee

The annual fee for this credit card is $139.

However, right now it is free for your first year (the annual fee is rebated to your credit card statement within the first two statements).

It’s also free for the first additional cardholder too.

As mentioned, you can sign up for a premium banking package (and have the minimum amount) to avoid an annual fee after the first year is over- if you’re new to TD bank, and you sign up for a banking packing, you can even get a $300 cash bonus too!

TD Aeroplan Visa Infinite Eligibility

To be eligible for the TD Aeroplan Visa Infinite, you have to have an annual income of $60,000 or a $100,000 annual household income at a minimum.

TD AEROPLAN VISA INFINITE SIGN UP BONUS

In recent years the Aeroplan sign up bonuses have not been as good.

In fact, I got 10,000 Aeroplan points clawed back recently because I had both the CIBC Aeroplan Visa Inffinite and the TD Aeroplan Visa Infinite this year.  They recently made changes where they only allow one welcome bonus for each Aeroplan credit card class.

Currently there is a Welcome Bonus of 10,000 Aeroplan points on your first purchase, and then 15,000 Aeroplan points after spending $7500 in the first 180 days, and finally, another 15,000 Aeroplan points for spending $12,000 in the first calendar year.  That’s a total of 40,000 Aeroplan points.

It takes up to 8 weeks for both of these bonuses to be applied once you meet the eligibility.

Features of the TD Aeroplan Visa Infinite

Here are some of the features of the card, there were a few changes including extra points with Starbucks, a free NEXUS rebate every four years, and a waiver for a lot of baggage fees.

• You earn 1.5 Aeroplan miles at eligible grocery, gas and Air Canada purchases (up to a maximum of $80,000 annual amount)
• You earn 1 Aeroplan mile everywhere else
• You can also earn your Aeroplan miles twice when you shop on the eportal, the Aeroplan eStore
• Your Aeroplan points won’t expire accidentally since you have an Aeroplan credit card open
• One big (positive) change is that baggage fees are waived.  Primary card holders and up to eight travel companions traveling on the same trip can have their first checked bag free if travel starts on an Air Canada flight (that’s like 9 people total).  Baggage fees are expensive!  Usually $75 for a checked bag on an International flight, so this is a huge perk.
• Another positive is free NEXUS every 4 years (48 months).  TD Aeroplan Visa Infinite will rebate your NEXUS fee (up to $100 CAD) and this includes a rebate for additional card holders too.  NEXUS is worth it, though not so much now that the borders are closed

TD Visa Infinite Insurance

The insurance offerings from the TD Visa Infinite seems to be about the same, though there is added insurance, such as Mobile Device Insurance and Hotel/Motel Burglary Insurance.

• Auto Rental Collision/ Loss Damage Insurance – have confidence declining that collision damage waiver next time you rent a car. Though this wouldn’t work for a non-commercial car rental company like Turo.
• Travel Medical Insurance $1 million of medical coverage for the first 21 days.  If you are over the age of 65, you are covered for the first 4 days of your trip.  Their insurance provider is Allianz Global Risks US Insurance Company.
• Trip cancellation insurance of $1500 up to $5000 per insured person and up to $25,000 in total.
• Lost Baggage and Delay insurance of up to $1000 if your baggage is delayed more than 6 hours or lost.  This is provided by TD Home and Auto Insurance.
• Flight/Delay trip insurance of $500 (if delayed for more than 4 hours)
• Hotel/ Motel Burglary Insurance– Up to $2500 of coverage for items stolen from your hotel or motel for yourself and family members you are traveling with.  This is a new type of insurance for this card.
• Another new insurance for this card is Mobile Device Insurance.  You are covered for up to $1000 for loss, theft, accidental damage, or mechanical breakdown for your mobile device (though it has to be purchased on this card).

My TD Aeroplan Visa Infinite Review

I am a fan, there are lots of perks and given that it is free, I say why not?

If I had to pay, then I wouldn’t sign up for the card… just because I hate paying an annual fee for credit cards!

The return on your dollars spent is better than many cash back cards (even a better cash back card like the MBNA World Elite Mastercard is only about a 1.5% cash back) especially if you can redeem flights for them.

40,000 Aeroplan points is nothign to sneeze at.  Though I must admit it’s harder to travel on 40,000 Aeroplan points as a family of four.

In the recent past, I’ve redeemed free flights for Hawaii (except we had to pay $75 in taxes each ticket) and our trip to LA/San Diego/Mexico.

The other major perk for the TD Aeroplan Visa Infinite is the travel medical insurance.  This is huge! 21 days of travel medical insurance if you are under the age of 65?  That is unheard of.  Good thing I have work health benefits to cover my travel medical insurance, but if I didn’t I would definitely keep this card all the time when I travel.

We had a $10,000 USD expense for a less than 24 hour stay in a US hospital.  It was thankfully covered by my work benefits, but they did ask for a credit card to see if insurance costs could be shared with them.

Readers, what is your TD Aeroplan Visa Infinite Review?