TD · Visa
$599 for the top TD Aeroplan card, with 2 points a dollar on Air Canada and 1.5 on most everyday categories. The medical cover collapses to four days at 65.
Rates and features verified 2026-08-18Full terms and conditionsHow we research cards
What we like, and what we don’t
Worth having
- 2 Aeroplan points a dollar with Air Canada and at Hyatt
- 1.5 points a dollar on gas, EV charging, groceries, travel, transit and dining, which is a wide list
- 1.25 points a dollar on everything else, so there is no weak base rate
- $5,000,000 of emergency medical cover and $1,500 of mobile device insurance
- Six lounge passes, a NEXUS credit and rental car collision damage cover
- Up to 85,000 Aeroplan points across the welcome tiers
Watch out for
- Emergency medical drops from 31 days to four days at age 65, which effectively removes it
- The companion pass needs $25,000 of annual spending and the companion still pays $99 plus taxes
- The 30,000 point anniversary bonus needs $24,000 of spending on top of the $12,000 for tier two
- Additional cards cost $199 each
- $150,000 personal or $200,000 household income required
What this card earns
- Groceries
- 1.5x
- Gas
- 1.5x
- Dining and restaurants
- 1.5x
- Travel
- 2x
- Transit
- 1.5x
- Everything else
- 1.25x
- Bonus categories at once
- 2 you choose which
- What we value a point at
- 2¢
The earning fine print
2 Aeroplan points per $1 on purchases made directly with Air Canada (including Air Canada Vacations) and at Hyatt hotels; 1.5 points per $1 on gas, EV charging, groceries, travel, transit and dining; 1.25 points per $1 on everything else. No annual earn caps published. Earn_travel is set to 2 for the Air Canada rate; general travel earns 1.5.
The welcome offer
- Welcome bonus
- 20,000 points after you spend $0
- Second tier
- 35,000 points after you spend $12,000, within 6 months
What the offer actually requires
Up to 85,000 Aeroplan points: 20,000 on the first purchase; 35,000 when $12,000 is spent within 180 days; and 30,000 anniversary bonus points when $24,000 is spent within the first 12 months. Offer effective March 2, 2026; no expiry published. The 30,000-point third tier does not fit the two-tier schema and is described here.
Fees and interest rates
- Annual fee
- $599
- Additional card
- $199
- Foreign transaction fee
- Not published by the issuer
- Purchase APR
- 21.99%
- Cash advance APR
- 22.99%
Who can get this card
- Minimum personal income
- $150,000
- Minimum household income
- $200,000
Insurance and benefits
- Travel medical
- $5,000,000 first 31 days of a trip, age 65 and under
- Trip cancellation
- $2,500
- Trip interruption
- $5,000
- Flight delay
- $1,000
- Baggage delay
- $1,000
- Mobile device
- $1,500
- Rental car damage waiver
- Included
- Purchase protection
- Included
- Extended warranty
- Included
- Airport lounge
- 6 free visits a year
- NEXUS fee credit
- Included
- Concierge
- Included
What the benefits really mean
Emergency travel medical up to $5 million for the first 31 days if under 65; cardholders 65 and over are covered for only 4 days. Trip cancellation up to $2,500 per person / $5,000 maximum. Trip interruption up to $5,000 per person / $25,000 maximum. Flight/trip delay up to $1,000 for delays of 4+ hours. Delayed baggage up to $1,000 per person (4+ hours). Lost baggage up to $2,500 per person. Common Carrier Travel Accident up to $500,000. Auto Rental Collision/Loss Damage for rentals up to 48 consecutive days. Hotel/Motel Burglary up to $2,500 per occurrence. Mobile Device Insurance up to $1,500. Unlimited Air Canada Maple Leaf Lounge access plus 6 complimentary worldwide lounge visits per year via the Visa Airport Companion Program. NEXUS application fee rebate up to $100 CAD once every 48 months. Visa Infinite Concierge 24/7. Annual round-trip companion pass from $99 plus taxes and fees, requiring $25,000 of annual spend. Emergency medical drops from 31 days to just 4 days at age 65. A $599 card that is effectively uninsured for older travellers. The companion pass requires $25,000 of annual spend and the companion still pays from $99 plus taxes. The 30,000-point anniversary bonus requires $24,000 of spend in the first 12 months, on top of the $12,000 needed for tier 2. 'Unlimited Maple Leaf Lounge access' is Air Canada-specific; worldwide lounge access is only 6 visits per year. NEXUS rebate is once every 48 months, not annual. FX fee is NOT PUBLISHED by TD.
Our verdict
The earn grid is the best thing here. 1.5 points a dollar across gas, groceries, travel, transit and dining, with 1.25 on everything else, means there is no category where this card earns badly. At our Aeroplan valuation that is roughly 3% on most of a household budget, which justifies a lot of the fee before you count the lounge passes.
The age 65 clause is the one to read. Emergency medical goes from 31 days to four, which for a retired traveller on a two week trip means the cover is functionally absent on a $599 card. The companion pass is also softer than it sounds: $25,000 of spending to unlock, and the companion still pays. Price the card on the earn rate and the lounge access, not on the benefits list.
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Where this came from. TD Aeroplan Visa Infinite Privilege product page (fees, APRs, income requirements, earn rates, welcome tiers, insurance amounts, lounge, NEXUS, concierge) and TD's browse-all-credit-cards page. TD's FX fee is not published in any open cardholder agreement.. We take every figure from the issuer’s own pages, never from another comparison site, and we leave a field blank rather than guess at it.