TD® Aeroplan® Visa Infinite Privilege Card; is it Worth 599? Canada’s second most expensive card

If you don’t know about Air Canada’s Aeroplan program yet, take a look at this post: Air Canada Aeroplan: Jesus it is Great using Points! Additionally, learning about the benefits of the Visa Infinite Privilege card can further enhance your travel experience.

The TD® Aeroplan® Visa Infinite Privilege* Card is a premium travel rewards credit card tailored for frequent travelers, particularly those who often fly with Air Canada. It offers a robust welcome bonus, accelerated earning rates on travel-related purchases, and a suite of travel perks designed to enhance your journey. In this comprehensive review, we’ll delve into the current welcome bonus, key features, benefits, associated fees, and assess whether this card aligns with your travel and financial goals.

Key Features and Benefits

The TD Aeroplan Visa Infinite Privilege Card offers a plethora of features that cater to avid travelers:

• Accelerated Earning Rates:
  • 1.5 Aeroplan points per dollar spent on eligible gas, grocery, and direct Air Canada purchases, including Air Canada Vacations.
  • 1 Aeroplan point per dollar spent on all other eligible purchases.
• NEXUS Fee Rebate:
  • Reimbursement for NEXUS application fees (up to $100 CAD) once every 48 months for the primary cardholder and authorized users.
• Comprehensive Insurance Coverage:
  • Travel medical insurance up to $5,000,000 for the first 21 days of a trip.
  • Trip cancellation and trip interruption insurance.
  • Delayed and lost baggage insurance.
  • Hotel/motel burglary insurance.

Exclusive Air Canada Perks

Priority Travel Benefits

• Free First Checked Bag: For the cardholder and up to 8 companions traveling on the same reservation.
• Priority Check-In and Boarding: Similar to benefits offered by Air Canada’s 35K Elite status, saving valuable time at the airport.

Unlimited Maple Leaf Lounge Access

• Complimentary access to Air Canada’s Maple Leaf Lounges, including domestic, transborder, and select international locations, when flying with Air Canada or Star Alliance partners.

eUpgrade and Status Qualifying Miles (SQM) Rollovers

• Roll Over Unused Rewards: Up to 200,000 SQM and 50 eUpgrade credits can be rolled over into the following year.
• These rollovers make it easier to maintain or achieve a higher Aeroplan Elite Status.

Worldwide Companion Pass

• Earn a Worldwide Companion Pass after spending $25,000 annually. This allows a companion to fly for just the taxes and fees on select Air Canada flights, providing exceptional value on long-haul travel.

Fees and Eligibility

• Annual Fee: $599 for the primary cardholder; $199 for each authorized user.
• Interest Rates: 20.99% on purchases; 22.99% on cash advances.
• Income Requirements: Minimum annual personal income of $150,000 or household income of $200,000.

Is the TD Aeroplan Visa Infinite Privilege Card Worth It?

The TD Aeroplan Visa Infinite Privilege Card is a compelling option for frequent Air Canada travelers who can leverage its extensive travel benefits and accelerated earning rates. The substantial welcome bonus and perks like complimentary lounge access, priority services, and comprehensive insurance can offset the high annual fee for those who travel regularly. However, for infrequent travelers or those who don’t primarily fly with Air Canada, the annual fee may outweigh the card’s benefits.

Final Thoughts

For travelers seeking a premium experience with Air Canada, the TD Aeroplan Visa Infinite Privilege Card offers valuable rewards and perks that can enhance your journeys. By maximizing the welcome bonus, utilizing travel benefits, and aligning your spending with the card’s earning categories, you can derive significant value from this card. Assess your travel habits and financial situation to determine if this card aligns with your lifestyle and goals.