Earn rates
The Privilege earns at three rates. Air Canada purchases earn 2x Aeroplan points. Gas stations, EV charging, grocery stores, restaurants, travel, and transit earn 1.5x. All other purchases earn 1.25x. The broad 1.5x tier covers most daily spending categories, and the 1.25x base ensures every dollar earns meaningfully above the Visa Infinite’s flat 1x.
| Spending category | Earn rate | Points per $100 spent |
|---|---|---|
| Air Canada purchases | 2x Aeroplan | 200 pts |
| Gas and EV charging | 1.5x Aeroplan | 150 pts |
| Grocery stores | 1.5x Aeroplan | 150 pts |
| Dining and restaurants | 1.5x Aeroplan | 150 pts |
| Travel and transit | 1.5x Aeroplan | 150 pts |
| Everything else | 1.25x Aeroplan | 125 pts |
1 Aeroplan point ≈ 1.5¢ in travel at typical fixed-chart redemptions, and more on premium-cabin partner awards. Actual value varies by route and partner.
Bonus earn rates apply to a combined maximum of $100,000 in eligible category spending per year. Spending above that cap earns at the base 1.25x rate.
Key benefits
Maple Leaf Lounge access
The lounge benefit on the Privilege is meaningfully better than most premium travel cards. Unlimited North American Maple Leaf Lounge access with one complimentary guest per visit is otherwise reserved for Aeroplan 35K status holders and business class travellers. The card also includes 6 annual Visa Airport Companion visits, which covers international airports where Air Canada does not operate a Maple Leaf Lounge.
Annual companion pass
Cardholders who spend $25,000 in a calendar year receive a round-trip Air Canada companion ticket starting from $99 plus taxes and fees. The pass applies to economy fares on Air Canada–operated flights. At typical domestic tax levels of $50 to $150 per direction, the companion pays $199 to $399 total for a return trip, depending on the route. The pass is issued once per year when the spend threshold is met.
Aeroplan status acceleration
The card earns 1,000 Status Qualifying Credits per $5,000 spent, up to a maximum of 25,000 SQC per year. At the cap, that is the equivalent of 25 SQM (Status Qualifying Miles) worth of credit-card-earned status, which can push members across tier thresholds without additional flying. eUpgrade credits earned through the card carry a 24-month validity instead of the standard 12 months, giving more time to use them on upgrades.
Travel insurance on the TD Aeroplan Visa Infinite Privilege
The TD Aeroplan Visa Infinite Privilege scores 100 of 100 on the figures its certificate publishes, joint 1st of the 59 Canadian cards compared. Emergency medical is capped at $5,000,000 for trips up to 31 days. At 65 the longest covered trip falls from 31 days to 4.
| Emergency medical | $5,000,000 · age 0–64: 31 days; age 65+: 4 days · 90-day stability window |
|---|---|
| Trip cancellation | $2,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $1,000 per person · after 4 hours |
| Baggage delay | $1,000 per person · after 4 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $85,000 |
You must charge 75% of the trip cost to the card for the coverage to apply. A booking made with points still qualifies. You have 45 days from the incident to report a claim. Dependent children are covered to age 22.
Every figure from the certificate, with its own wording
| Emergency medical | limit: $5,000,000 (per Insured Person per Covered Trip) age 0–64: $5,000,000, 31 days; age 65+: $5,000,000, 4 days pre existing stability days: 90 days (180 days for Insured Persons 65 years of age or older; the Medical Condition must have been Stable throughout the period immediately before the Coverage Period begins) |
|---|---|
| Trip cancellation | per person: $2,500 (per Insured Person per Covered Trip) per account: $5,000 (total per Covered Trip for all Insured Persons on the same Covered Trip) covered reasons: death of an Insured Person or Travelling Companion, sudden and unexpected sickness or accidental injury of an Insured Person or Travelling Companion, death of an Immediate Family Member of the Insured Person (Medical Covered Causes for Cancellation; enumeration truncated at 40 words. The remaining medical causes are sudden and unexpected sickness or accidental injury of an Immediate Family Member, and the sudden and unexpected death or hospitalization of the host at the destination. Non-Medical Covered Causes are enumerated separately in the Certificate) |
| Trip interruption | per person: $5,000 (per Insured Person per Covered Trip) per account: $25,000 (total per Covered Trip for all Insured Persons on the same Covered Trip) |
| Flight or trip delay | per person: $1,000 (for meals, accommodation and reasonable additional ground transportation while delayed) trigger hours: 4 hours (measured from the departure time specified in the itinerary; qualifying causes are inclement weather, equipment failure of the Common Carrier, or an unforeseen strike or other job action) |
| Baggage delay | per person: $1,000 (per Covered Person per Trip, for Essential Items bought before the baggage is returned and within 96 hours of arriving at the Final Destination) trigger hours: 4 hours (measured from the Covered Person's time of arrival at the Final Destination) |
| Lost, stolen or damaged baggage | per person: $2,500 (per Covered Person per Trip; the combined total for Delayed Baggage and Lost Baggage is capped at $2,500 per Covered Person per trip) |
| Travel accident | limit: $500,000 (Accidental Loss of Life benefit in the Section 6 Schedule of Benefits; where one accident causes multiple Losses only the single largest benefit amount is payable) common carrier only: No (Section 5 Rental Car Accident Coverage extends the same Schedule of Benefits to a Rental Car, with a maximum of $2,000,000 for any one Rental Car Accident) covers 24h: No (cover applies while riding, entering or exiting a Common Carrier, at the airport, terminal or station at the beginning or end of the Covered Trip, while travelling directly to or from it, and while in a Rental Car) |
| Hotel or motel burglary | $2,500 (per occurrence for all Insured Persons, in excess of Other Insurance and payments made by the Hotel/Motel; the Hotel/Motel must be in Canada or the United States and there must be evidence of forceful entry) |
| Emergency travel assistance | offered: Yes (assistance services only, not an insurance benefit; provided by Global Excel Management Inc. under a service agreement with TD Life Insurance Company) |
| Rental car collision or damage | is primary: Yes (except for losses waived or assumed by the Rental Agency or their insurer, and where local government insurance legislation states otherwise) vehicle value cap: $85,000 (Manufacturer's Suggested Retail Price excluding all taxes, at the time and place of loss) max rental days: 48 days (consecutive days for the same vehicle or vehicles; exceeding 48 consecutive days removes cover for the whole rental period) excluded classes: vans, cargo vans or mini cargo vans (other than minivans as described above), trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck, limousines (enumeration truncated at 40 words; the Certificate also excludes off-road vehicles, motorcycles, mopeds or motor bikes, trailers, campers, recreational vehicles, vehicles towing trailers, mini-buses or buses, exotic vehicles, hand-built or under-2,500-per-year production vehicles, antique vehicles and Tax-free cars) territory: Coverage is available except where prohibited by law. (the rental vehicle may be driven across provincial and state boundaries in Canada and the U.S. and between Canada and the U.S.) |
| Purchase protection | days: 120 days (from the purchase date, in excess of other applicable insurance) |
| Extended warranty | years added: 2 years (the lesser of 2 times the Manufacturer's Warranty period or 2 years; automatic for warranties of 5 years or less, and warranties over 5 years must be registered with the Administrator within the first year after purchase) cap: $60,000 (maximum aggregate lifetime benefit per Account Holder across all TD Credit Cards, shared with Purchase Security) |
| Mobile device | limit: $1,500 (reimbursement is the lesser of repair or replacement cost, not exceeding the depreciated value (Purchase Price less 2% for each completed month), less the deductible; 1 claim in any 12 consecutive months and 2 claims in any 48 consecutive months) deductible: $100 (deductible is set by Total Cost less taxes: $25 for $0-$200, $50 for $200.01-$400, $75 for $400.01-$600, $100 for $600.01 or more) requires full charge: No (at least 75% of the Total Cost charged to the Account, or the purchase funded through a Plan with all monthly wireless bill payments charged to the Account) eligible events: lost, stolen or suffers mechanical breakdown or Accidental Damage (the Insurer's approval must be obtained before any repair or replacement; cover starts on the later of 30 days from purchase and the first monthly wireless bill charged to the Account, and ends 2 years from the date of purchase) |
Figures above are from the TD Aeroplan Visa Infinite Privilege Benefit Coverages Guide, underwritten by TD Life Insurance Company; TD Home and Auto Insurance Company. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
Income requirement
The Visa Infinite Privilege requires a personal income of $150,000 or a household income of $200,000. If you do not meet the income requirement, the TD Aeroplan Visa Infinite at $139 is the next tier down.
What the earn math looks like
A cardholder spending $2,500 per month across typical categories:
| Category | Monthly spend | Rate | Monthly points |
|---|---|---|---|
| Groceries | $600 | 1.5x | 900 pts |
| Gas | $200 | 1.5x | 300 pts |
| Dining | $300 | 1.5x | 450 pts |
| All other spending | $1,400 | 1.25x | 1,750 pts |
| Total | $2,500 | 3,400 pts / mo |
40,800 Aeroplan points per year at this spend mix. At a conservative 1.5 cents per point, that is approximately $612 in Aeroplan value annually. The Visa Infinite earns 34,800 points at the same spend level, a difference of 6,000 points worth roughly $90 per year. The lounge access and companion pass are the primary fee justifiers; the earn differential alone does not close the $460 gap over the Visa Infinite at this spend level.
Good fit if
- You fly Air Canada frequently and don't already hold Aeroplan 35K status. Unlimited Maple Leaf Lounge access with a guest is a substantial benefit on its own.
- You regularly travel with a partner. The annual companion pass adds material value on fares where the base fare is meaningful.
- You're close to an Aeroplan tier threshold. 25,000 SQC from card spend alone can influence your status outcome in a given year.
If that describes you, apply for the TD Aeroplan Visa Infinite Privilege. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You rarely fly Air Canada domestically. The lounge access and companion pass go underused.
- You usually travel solo. The companion pass is a large share of the card's value.
- You want better value per dollar of fee. The TD Aeroplan Visa Infinite at $139 delivers more earn per fee dollar for moderate flyers.
See it in action
ANA's The Room is the most private business class suite flying, direct to Tokyo on Aeroplan's partner chart.
See the math →