The **TD® Aeroplan® Visa Infinite* Card** is one of the many travel rewards credit card products offered by TD Bank, Financial Group’s Canadian branch. This premium credit card is linked to the Aeroplan program, Air Canada’s renowned loyalty program, making it an excellent choice for travelers and frequent flyers.
With an annual fee of $139, this card offers a host of travel benefits and the opportunity to earn Aeroplan points on everyday purchases. Cardholders can enjoy earning points for flights, hotels, car rentals, and more, enhancing their travel experiences and rewards.
Qualification requirements
As with most travel reward credit cards, there are specific income requirements to apply for the TD® Aeroplan® Visa Infinite* Card. Applicants need a minimum annual personal income of $60,000 or a household income of $100,000. Additionally, applicants must be permanent residents of Canada and meet the legal age requirements in their province or territory.
If you do not meet these income criteria, TD provides an alternative option: the TD® Aeroplan® Visa Platinum* Card. This alternative card offers similar benefits to the Visa Infinite* Card but may have slightly different terms and conditions. It provides flexibility for individuals who may not qualify based on the higher income thresholds required for the Visa Infinite* Card.
Both cards are part of TD Bank’s Aeroplan program, allowing cardholders to earn Aeroplan points on purchases and access various travel benefits. Choosing between the cards depends on your income level, spending habits, and travel needs.
Benefits
Here are the features that the TD® Aeroplan® Visa Infinite* Card offers, appealing to frequent travelers and reward point enthusiasts. Cardholders can earn up to $1,000 in value, including up to 40,000 Aeroplan points.
Signing up for the card comes with a bonus of 10,000 Aeroplan points upon making the first purchase. Additionally, spending $7,500 in the first 180 days of account opening earns an extra 15,000 points, and spending $12,000 in the first year earns another 15,000 points.
Another noteworthy option is that up to eight family members can use Aeroplan Family Sharing to pool points together, enabling larger redemptions and bigger rewards. Furthermore, the card offers the first checked bag free for the primary cardholder, additional cardholders, and up to eight companions traveling on the same Air Canada flight, saving on baggage fees and making travel more convenient.
The card also provides a rebate for the NEXUS application fee, which aims to ease the process of crossing the border between the U.S. and Canada. This rebate can be claimed once every 48 months, adding significant value to the card.
Pros
The TD® Aeroplan® Visa Infinite* Card is ideal for frequent travelers and those who make significant purchases daily. It offers great value due to its substantial sign-up bonuses, travel perks, and the ability to earn and transfer Aeroplan points.
- Up to 40,000 Aeroplan points as a welcome bonus
- Points can be shared with up to eight family members
- First checked bag free for primary cardholder and companions
- NEXUS application fee rebate
- Earn 1.5 points per $1 on eligible gas, grocery, and Air Canada purchases
- No expiration of Aeroplan points as long as the card is active
- Award-winning card recognized by various sources
Cons
The TD® Aeroplan® Visa Infinite* Card has some drawbacks, including the annual fee and high-income requirements. Additionally, the interest rates for purchases and cash advances can be relatively high.
- Annual fee of $139
- High-interest rates (20.99% for purchases and 22.99% for cash advances)
- High-income requirements
- Additional cardholder fee of $75
How to apply
Applying for the TD® Aeroplan® Visa Infinite* Card is straightforward. Applicants have the option to complete an online application and receive an immediate response. Alternatively, you can apply by contacting TD’s customer service or by scheduling an appointment with a banking specialist at a TD branch.
During the application process, you will need to provide personal details and financial information to assess your eligibility. Choosing the online application route allows for quick and convenient submission, with instant feedback on your application status.
If you prefer personal assistance or have specific questions, contacting TD’s customer service or visiting a branch provides direct support from banking specialists who can guide you through the application process and address any inquiries you may have.
Is the card worth It after all?
The annual fee for the TD® Aeroplan® Visa Infinite* Card is relatively high, so it’s essential to assess whether the benefits justify the cost. This card is most advantageous for frequent travelers, particularly those who fly often with Air Canada.
Its substantial welcome bonus, earning potential on purchases, and Aeroplan Family Sharing option enhance its value. Moreover, perks like complimentary checked baggage and the NEXUS fee rebate further contribute to its appeal for travelers.
Conversely, if you travel infrequently or do not meet the income requirements, the card’s high annual fee and interest rates may outweigh its benefits. In such situations, exploring other credit cards with lower fees or different rewards structures could be a more suitable choice, aligning better with your spending habits and financial circumstances.
Conclusion
The TD® Aeroplan® Visa Infinite* Card is a robust choice for travelers who frequently journey and aim to maximize their Aeroplan points. It stands out with a substantial welcome bonus, versatile point transfer capabilities, and a plethora of travel advantages, making it highly beneficial for individuals with strong credit profiles.
When considering this card, potential applicants should carefully evaluate the annual fee in relation to their income levels and travel habits to ascertain its suitability. The generous welcome bonus offered by the TD® Aeroplan® Visa Infinite* Card provides an immediate boost to Aeroplan points, which can be advantageous for frequent travelers looking to redeem rewards swiftly.
The ability to transfer points flexibly adds to its appeal, allowing cardholders to utilize their rewards across a wide range of travel and lifestyle options. Additionally, the card’s comprehensive travel benefits, such as free checked baggage and NEXUS fee rebates, enhance its overall value proposition for those who frequently fly with Air Canada or travel internationally.
Ultimately, the decision to apply for the TD® Aeroplan® Visa Infinite* Card should align with your financial capability to manage the annual fee and maximize the benefits offered, particularly if you travel frequently and can leverage the rewards effectively.
