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The Best Aeroplan Credit Card Sign-Up Bonuses – Fly Free now!

Best Aeroplan Credit Card

We’ve assembled the Best Aeroplan credit card sign-up bonuses currently available in the Canadian marketplace. Getting a new Aeroplan credit card with a juicy sign-up bonus offer is the best and cheapest way to add to your collection of Aeroplan points. Even if you already have an Aeroplan credit card, why spend $25,000 over 1-2 years to get 25,000 points, when all you have to do is sign-up for a new card from a different issuer!

Best Aeroplan Credit Card Sign-Up Bonuses

Credit Cards          Sign-Up  Bonus           Minimum Spend           Annual Fee            Min Income       

Best Aeroplan Credit Card Bonus Offers 40,000 Miles                     $3,000 in 3 Months                 $499                          $0                   Get This Offer              

Best aeroplan credit card sign-up bonuses 25,000 Miles                    $1,500 in 3 Months                  $150                            $0               Get This Offer              Note: Transfer Amex Gold points to Aeroplan 1:1 for free

Best Aeroplan credit card offers 15,000 Miles                     $1,500 in 3 Months                   $120                     $0
 Get This Offer

aeroplan visa infinite privilege credit card 25,000 Miles                       First Purchase                         $399                     $200K               Get This Offer

TD Aeroplan Visa Infinite card 15,000 Miles                      First Purchase                     $120                        $60K                    Get This Offer


From our perspective, the best Aeroplan credit card sign-up bonus right now is the American Express Gold Rewards Credit Card (transfer points to Aeroplan miles 1:1 for free) with the 25,000 Aeroplan Mile sign-up bonus.

You get Amex’s 25,000 miles if you spend $1,500 in the first 3 months. TD’s 15,000 miles has no minimum spend requirement, you just need to make a purchase and you’re set!

If you already have an Aeroplan credit card, signing-up for another Aeroplan credit card is the easiest, fastest and cheapest way to get an additional 25,000 miles free! You also keep your Aeroplan miles, even if you cancel your credit card. Why wouldn’t you go through the minimal effort to apply for another card?

With either card, you juice your Aeroplan account with free miles, plus there’s an annual fee rebate for the first year! It’s a risk free way to get 25,000 miles, enough for free return airfare to anywhere in North America, including travelling from Toronto, Montreal, Vancouver or Calgary to New York, Miami, Arizona or California!

Aside from the high sign-up bonus, the Amex Gold Rewards card also offers 2 points per dollar spent on gas, groceries, pharmacy & travel, and 1 point everywhere else, making it the best way to accumulate Aeroplan points in Canada. By comparison, both the TD and CIBC Aeroplan Visa Infinite cards only offer 1.5 points per dollar spent on gas, groceries, pharmacy and 1 point everywhere else (including travel). The Amex Gold Rewards card has the added advantage that you can keep your points within Amex and use them to fly any airline, with no seat restrictions, any time, or transfer them to Aeroplan – cost-free – at your convenience.

Several factors will help you identify the best Aeroplan credit card sign-up bonus offer for you:

1. Size of the bonus: There are plenty of Aeroplan sign-up bonuses for 15,000 points, but you should always wait until you get at least 25,000. That may mean you have to wait for a special offer. Just be patient it’s worth it. Think about it, the difference between 25,000 and 15,000 bonus points is around $10,000 in credit card spend…for most that’s a lot of time and money.

2. Attainable welcome bonus: Some bonus offers give 15,000 points with no minimum spend required. Others offer a 25,000 point bonus with a minimum spend of $500 within the first 3 months. Whatever it is, make sure the minimum spend and the time-frame required to achieve the threshold are easily attainable given your budget.

3. Annual fee waiver: Many of the best Aeroplan credit card bonus offers also have a first year annual fee waiver. With no annual fee in the first year, the issuer is begging you to try out their card risk free. The good news is, with no annual fee in the first year, the sign-up bonus is absolutely free – at the end of the year you can decide to cancel your card or not, but the Aeroplan points will remain yours.

4. Transferability: Many Canadians only look at Aeroplan branded credit cards and miss out on a number of other rewards cards that exchange points with Aeroplan 1:1. We love those hybrid cards because they give cardholders the flexibility to take advantage of other huge sign-up bonuses, sometimes 25,000 points or more, and then transfer those points to their Aeroplan account free. Applying for multiple Aeroplan sign-up bonuses from different issuers is a great strategy to quickly ramp up your point balance.

Summary of Best Aeroplan Credit Card Offers:

Credit Card

Welcome Bonus

Annual Fee

Min Income

Apply Online

American Express Gold Rewards

25,000 miles



Get This Offer

American Express Aeroplan Platinum

40,000 miles



Get This Offer

American Express Aeroplan Gold

15,000 miles



Get This Offer

TD Aeroplan Infinite Visa

15,000 miles



Get This Offer

TD Aeroplan Privilege

25,000 miles



Get This Offer

Regardless of your choice, it’s never been easier to milk Aeroplan rewards out of the system than it is right now. Take advantage while the good times last. You can compare Aeroplan credit cards in even greater depth with our travel rewards comparison tool, if you want even more detail.


  1. Hi GreedyRates team — hope you guys are doing great!

    Is the Amex Gold Card 25,000 miles free 1st year card sign up promos still on offer?

  2. Thanks for the helpful information. I am playing the Aeroplan game by having both the Amex and TD card. When you have the first year annual fee free, and just before the fee is added for the second year, you cancel the card; how long do you have to wait to apply for another card? Certainly the credit card companies track this?

    Also perhaps you wouldn’t mind addressing one more question. Air Canada/Aeroplan made an announcement about restructuring their miles program. Apparently you have to use your miles by June 30, 2020. We are saving to travel to Australia December, 2020, after the cutoff. I haven’t been able to find out if the June 30, 2020 date means you have to use your points by then but can fly at a later date…and what that date might be. Do you know? Thanks very much.

    • Hi Georgia, thanks for your questions.

      Regarding the trick that some use to abruptly cancel their card and reapply for the same, in order to avoid an annual fee, this may still work. However, issuers are becoming more aware of this tactic and are now implementing certain limitations that make it less advantageous (such as provisions that prevent cardholders from applying for the same cards without a waiting period). This, and the temporary ding to your credit is why we recommend that you wait at least 3 months before reapplying.

      To address your concerns about Aeroplan and Air Miles, the news that you heard was entirely correct, but is missing a few key points. While points will still be eligible for redemption on Air Canada flights past 2020, they will not be able to be used for partner airlines like Lufthansa, United, or Air China. From that point onward, Air Canada rewards earned from their unannounced credit card can be used for this airline only. Whether or not you can travel to Australia on the date you mentioned depends on the airline taking you there. If it’s Air Canada the entire way through, you’ll be fine. Otherwise, start planning ahead. Best of luck!

      GreedyRates Staff

  3. Hello,

    Thank you for your post, I’m looking at the TD Aeroplan Infinite or Amex Gold Rewards card.

    1st question – would my credit score be affected too adversely if I cancelled the card before the first year ended in TD’s case or after the 2nd year for the Amex? Honestly, I just want the Aeroplan/Rewards points.

    2nd – I have a long history with TD and a high limit/great history on their First Class Travel card but my income is just below the threshold for the Aeroplan Infinite, would TD consider approving my application? And one of your earlier replies mentioned that credit score might be affected in this case – how so?

    3rd – The Amex has a minimum spend of $1500 in 3 months. Budget-wise, that’s not an issue for me but are there sufficient retailers who accept Amex cards for me to achieve this?

    Thank you so much!

    • Hi Tim, thanks for your thorough questions. Let’s see if we can sort this out for you.

      First, regarding your question about how cancelling either the TD Aeroplan Infinite or the Amex Gold Rewards card affects your credit – cancelling a credit card always represents a small, temporary ding to one’s credit profile. However, it’s nothing to worry about, and you can rest assured that many will get approved for these cards, and then cancel their memberships within the time frame you mentioned, without being adversely affected.

      Second, to address your positive long-standing relationship with TD, this does make an impact on your ability to get approved. We’ve seen other readers become customers without satisfying the sometimes too-strict income and credit requirements. Banks are usually relatively flexible, as they genuinely want new cardholders. Plus, it sounds like you run a tight ship. We’d say your chances are good. We don’t believe you need to worry about your credit in these circumstances.

      Concerning your thought that you may not be able to spend $1,500 on the American Express card within three months, we think this shouldn’t be an issue. Many of the larger chains and establishments in Canada accept American Express, and $500 per month is pretty relaxed constraint. For more information on the exact retailers, groceries, and other places that are friendly to AmEx cardholders, check American Express’ Canadian site. Thanks a lot!

      GreedyRates Staff

      • Wow, thank you very much for clearing things up for me! That was very informative and patient of you guys to answer my long winded questions, it’s my first time “churning”.

        I phoned up TD and they weren’t willing to budge on the income requirement so Amex got my business and I should be receiving the package in the mail soon.

        Thank you again!

  4. Hello! Thanks for the great post!

    I have a question regarding the Visa Infinite Signatures (TD and CIBC have the same cards with 50k AP introductory bonuses).

    How strictly do they enforce the 200k household income? I live with my brother and combined we both meet the requirement but does it only apply to spouses? My personal income is 50k shy of the requirement, if I sign-up with just that would I still be considered or is that auto-denial?

    Thanks again!

    • Hi Michael, thanks for the questions.

      Typically before approving applicants for premium credit cards, the bank issuing the card will require proof of income. If you do not meet the minimum they will not likely approve, and unfortunately your brother’s income does not count towards the household total – though you do indeed live with him. You can still try and apply, and if you meet the minimum spend and can show other positive traits like a high credit score, the bank may waive their income requirement. Just note that it may affect your credit score.

      There are other cards that give bonuses and and features similar to the one you desire. The card with the $200,000 minimum yearly income requirement is the TD Aeroplan Visa Infinite Privilege. The regular TD Aeroplan Visa Infinite also grants a large amount of introductory bonus miles – 30,000 within the first year alone and a high rate of points to dollars, and your stated income of $150,000 is more than enough to qualify.

  5. Hi,

    I just applied TD infinite visa via TD online and inform me it is approved. Then I saw your web link and know it can have one year fee rebate.
    1. Is there anyway I can get the annual fee rebate?
    2. I think I might input my wife’s areoplan number in my TD infinite visa application instead of mine as I pick up the wrong card without looking at the name on the card. Would the bonus point go to my wife’s areoplan? or not giving any at all? Thanks!

    • Greetings William!

      Regarding your first question about how to rebate the annual fee, you’ll be happy to know that it happens automatically. You may have seen, or will see soon, that TD charges the annual fee regardless. But know that after 2 monthly billing cycles they will credit your account the cost of the annual fee. So while it may show up initially, it is rebated after a short wait.

      Concerning your second question, you will still receive your bonus miles, but where you get them depends on which Aeroplan number you input. As long as the TD Aeroplan Visa Infinite account is new and you have not opened an account within the last 6 months in your name, you should be all set.

      The bonus miles offer is not dependent on the Aeroplan number, so if you entered yours then you will receive them in your account, and if you input your wife’s they will go to her account.

      We hope this helps,

      GreedyRates Staff

      • Please keep in mind you have to pay the $120 annual fee up front or they will charge you interest. My experience has been 3 months before the annual fee is rebated.

        • Hey Tieha, thanks for your comment. You’re totally correct, and this is something that we’ve seen consistently from rebate programs in the past. While we can’t be sure why they operate as such, most issuers who exempt the first year’s annual fee do so in this way: they charge it as normal, and then rebate it after a few monthly statements. You’ll normally see it as an account credit for the same amount. Thanks for reminding our other readers, We truly appreciate it!

          GreedyRates Staff

  6. Hello Greedyrates. I signed up for the TD Aeroplan Infinite Visa card for me and my Dad using your site. I talked to the Visa department for TD. They said it takes about 2 month to credit back the $120 rebate credit. I have to pay the $120 for the first statement, Is this true? Thanks

    • Hi David,

      Yes it is true. TD has structured the first year free offer as an annual fee rebate. Here are the exact terms for this offer “To receive the Primary Cardholder Annual Fee rebate for the first year, you must apply for a TD Aeroplan Visa Infinite Card Account (“Account”) through the link on this website between March 6, 2017, and May 4, 2017. Annual Fee will be reversed within 2 monthly statements from the date of the charge.”

      It’s an odd way to do it, but it nets out to the same thing, you don’t end up paying for the first year annual fee. TD structures all of its annual fee promos as rebates as opposed to waivers, not sure if it’s a systems thing. Not a big deal either way.

      Hope that helps and enjoy the free flight!

      GreedyRates Staff

  7. I too am having a problem getting past step 2 in the application. All details were entered and double checked. Does the promo code listed below still apply in 2017 if I call??

    Thanks for the great tips and advice

    • Hi Rick,

      Yes. If you’re having problems with the online application for whatever reason, simply call TD’s credit card centre at 1-800-983-2582 and let the customer service representative know you would like the GreedyRates offer for the TD Aeroplan Infinite Visa card and make sure to provide them with the offer code of SB6L9.

      Sorry for the inconvenience and thanks for using GreedyRates!

      GreedyRates Staff

  8. For the TD Infinite option, if my wife and I want to have two separate credit card accounts, do we also need to have two separate Aeroplan accounts, or can both TD accounts have the 2 bonuses and further point accumulation going to a single Aeroplan account? Thanks!

    • Hi Erik,

      Great question! The name on the credit card and the Aeroplan loyalty account have to match. As a result, you and your wife will have to have two separate Aeroplan accounts.

      That said, there’s a significant positive in the case of you and your wife. Each of you should apply for both the TD Aeroplan Infinite and Amex Gold Rewards card (convert to Aeroplan 1:1, no extra cost). You’ll get 25,000 miles for each card, with no annual fee in the first year for both cards.

      You’ll each end up with 50,000 miles – 100,000 miles in total. That’s good for 4 round trip tickets to anywhere in continental North America.

      Hope that helps,

      GreedyRates Staff

      • What does convert to Aeroplan 1:1 mean…

        • Hi Sonia,

          That means you can convert the American Express Gold Rewards points to Aeroplan miles, at 1 Amex point for every Aeroplan Mile at no extra cost.

          You can also convert the Amex Gold Reward points to Avios (British Airways miles) or keep them as Amex points, where 25,000 points equals $250, which you can apply to any travel expense on your credit card bill.

          Hope that helps,

          GreedyRates Staff

  9. Hey get greedy rates,

    I am new to trying to dive into more points. I have 1 aeroplan card currently. It might be a silly question but when you apply for a card at td or Amex or what have you… How do you insure the points go to your existing account aeroplan account so you can stack your existing points and they don’t open another aeroplan account?

    • Hi Chris!

      Great question. When you apply for a new Aeroplan credit card from TD or Amex, both allow you to put your Aeroplan account number in the application. Regardless, even if you don’t, and a new Aeroplan account is created in your name, you can consolidate the accounts to the same name thereafter.

      Hope that helps,

      GreedyRates Staff

  10. Hi GreedyRates,

    More questions on the Aeroplan system. Apart from the sign-up bonus, which card earns Aeroplan point the fastest? Or how do we earn Aeroplan fast? Are these sign-up bonus points good for “Altitude?” If you could briefly explain how Altitude works that’d be great. Thanks.

    • Hi Akira,

      Keep the questions coming!

      By far and away, the American Express Gold Rewards card earns the most Aeroplan miles on spend for most people (remember you can convert the Amex rewards points to Aeroplan 1:1, with no fee). With the Amex Gold Rewards card, you earn 2 points per $1 dollar spent on gas, groceries, pharmacy and travel, 1 point everywhere else. As a result you’re earning 2 Aeroplan miles per dollar spent on gas, groceries, pharmacy and travel, when you convert your points to Aeroplan miles. No pure-play Aeroplan card in Canada offers 2 points per dollar spent in any category, let alone 4 including travel. The next best earning is 1.5 Aeroplan miles per $1 spent on gas, grocery, pharmacy and AirCanada.com.

      If most of your money is spent outside of those bonus categories, you could take a look at the TD Aeroplan Privilege or the Amex Aeroplan Platinum card, which offer 1.25 Aeroplan miles per dollar spent on all spend, but come with hefty annual fees. The Amex Aeroplan Gold card offer 1 point per $1 spent on all spend < $10K and 1.25 points per $1 on spend >$10K.

      For the vast majority of people the American Express Gold Rewards card will be the highest earning Aeroplan credit card in Canada.

      While Air Canada Altitude miles can be used as Aeroplan miles, the inverse is not true. As a result your bonus Aeroplan miles will not count towards Altitude status.

      Hope that helps,

      GreedyRates Staff

  11. Hi GreedyRates, could you evaluate the scenario of Amex BussinessGold + TDInfinityAero vs. Amex PersonalGold+TDInfinityAero? I’ve had Amex Bus Gold before, but is there any particular reason why one would use the more expensive Amex BusGold instead of Amex PersonalGold?

    • Hi Akira,

      In general, the Amex Gold Rewards card will earn more rewards for consumers than the the Amex Business Gold Rewards card.

      The Amex Biz card only gets you 1 pt per $1 spent, but you can then get 2 points per $1 spent on up to 3 suppliers (chosen from a list provided by Amex). Amex Gold Rewards gets you 2 points per $1 spent on gas, grocery, drugstore, and travel – 1 point everywhere else. The Amex Biz Gold rewards card has a host of other business related benefits such as expense management reports and a 55 day grace period (which may be valued by some consumers as well).

      That said, both the Gold Rewards and Gold Rewards Business card offer a first year annual fee waiver and a welcome bonus of 25,000 and 30,000 points respectively. You can get both cards, and be eligible for each welcome bonus offer, giving you the opportunity to get 55,000 Aeroplan miles (after the 1:1 conversion) from Amex, plus the 25,000 Aeropla miles from the TD Aeroplan Infinite card!

      Hope that helps!

      Greedyrates Staff

  12. hi Greedy Rates, Great Info.

    Have you guys experienced churning the AMEX Small Business Charge Card?

    I had this small business card say 8 months ago, at which time i cancelled it.

    It doesnt have the same wording as the Amex personal cards about once per life time.

    Just wondering?



    • Hi Sandy,

      We were told Amex’s current policy on churning the Amex Small Business Gold card is that you cannot apply for another Amex Small Business Gold card and be eligible for the 30K welcome bonus within 2 years of closing your previous account. You will get the annual fee waiver however.

      Hope that helps,

      GreedyRates Staff

  13. Hi there, I’ve tried to apply for the TD Infinite card on two separate occasions and am not able to get past Step 2 (About You). I’ve contacted TD both through online chat and by phone and they aren’t able to help me. I’m just wondering – has anyone else had this problem? How have you solved it? I disabled pop-ups but that didn’t help. Thanks!

    • Hi Myra,

      We apologize for any inconvenience. If the problem persists, please don’t hesitate to call TD’s credit card call centre directly at 1-800-983-2582 and let them know you would like to apply for the TD Aeroplan Infinite card with the GreedyRates.ca offer (100% annual fee rebate, 25K miles, plus 5K with authorized user), and ask them to append your application with promotion code SB6L9.

      Hope that helps and thanks for using GreedyRates.ca!

      GreedyRates Staff

  14. Hi, I’ve got a quick question I’m sure will serve everyone…I’ve been working my way through all these credit cards over the past years to earn the bonus points as you’ve suggested and it’s working pretty well…My one question is once I’ve had them all at one point in time and canceled them to apply for another, do you know if any of the credit card companies will accept to give the sign-up bonus a second time if it’s been a certain number of years since I’ve last had it? If so, what cards are what are the timeframes for resubmission?
    Hope someone has an answer!

    • Hi Michael,

      Some will and other won’t.

      1. TD does accept people who’ve had an account previously to get the same TD Aeroplan card with the bonus offer. Their stated restrictions are as follows: “If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person.”

      2. Amex only allows you to apply for the same card and be eligible for the bonus offer, once per lifetime. However, you can apply for as many different Amex cards as you’d like, and still qualify for the bonus offer. For example, you can get the Amex Gold Rewards, Aeroplan Gold and Aeroplan Platinum cards and get the bonus offer for each.

      Hope that helps answer all your questions!

      GreedyRates Staff

  15. Hi guys, Good job with this website nest website ever.

    My question is since I had all those aeroplan credit card in the past and cancel my lastest one after almost a years in september which aeroplan credit card can I re apply and get the welcome bonus again ?


    • Hi Mathieu,

      Thanks for the kind words! Great question. TD’s official disclosure reads as follows: “If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person.”

      So officially, what matters is whether you opened your account more than 6 months ago, not when you closed it. That said, TD does leave itself the room to use its discretion not to award bonus points if you’re churning too often.

      With Amex, you can apply for multiple Amex cards if they are different i.e. Amex Gold Rewards, Amex Aeroplan Gold, Amex Aeroplan Platinum etc… but you can’t apply for the same card twice and get the bonus points.

      Hope that helps!

      GreedyRates Staff

  16. Hey everyone,

    I closed my TD Aeroplan Infinite account in Feb 2016 after two years. However, there was a balance left on the account by accident (once you cancel the card you can’t log back into online banking to check balances) and that didn’t get cleared up until July 2016.
    Do you think they would be measuring their 6 months from when the card was cancelled in Feb or when the account was at a 0 balance in July?

    Just wondering if anyone had a similar experience applying for another card. (As unlikely as that probably is, haha).

    Also GreedyRates, do you know if the 6 months applies to different TD cards? Meaning I had the infinite, but they also offer a platinum with 20,000 bonus miles now. Does that need to wait 6 months or can both cards be granted at the same time? Do you offer any 1st year fee waivers for this card?

    Thank you everyone!

    • Hi Tomas,

      We can’t make any guarantees, but you should not have a problem opening another TD Aeroplan Infinite Visa account. TD measures 6 months from when you opened your account, not when it was closed. The exact language TD uses is “If you have opened an Account in the last 6 months, you will not be eligible for these offers.” As a result, because you opened your account more than 2 years ago, you should have no issues.

      However, it should also be noted that TD states “We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person.” So it’s possible that TD can start to limit the number of offers you receive at any point in time.

      To answer your second question, We were told, although it hasn’t been tested, that regardless of which TD Aeroplan card you applied for, to be eligible for the bonus offer, you will have to wait 6 months between TD Aeroplan credit card applications.

      GreedyRates Staff

  17. I just received an AMEX gold card for which once I spend $1500, I will receive 25000 points. This is the first AMEX gold cards I have had with the $1500 spend. I have had a number where the spend was $500.

    My question is regarding the new non-churn policy. Will I get my welcome bonus being my first Amex Gold $1500 spend.


    • Hi Michael,

      Regardless of the minimum spend requirement, for the Amex Gold Rewards card, you are only eligible to receive the bonus once per lifetime, when applying for the same Amex Gold card. You can still receive multiple bonuses when applying for different Amex cards, such as the Gold, SPG and Air Miles cards.

      That is not the case with TD Aeroplan Infinite card, where you can get the welcome bonus multiple times, on the same card, through churning, with a limit set at the discretion of TD.

      Hope that helps,

      GreedyRates Staff

  18. Hi
    I’m just wondering if I can apply online or do i have to call TD to get the promotion? Because when I click the link, it doesn’t show the promotion?

    • Hi Janice,

      All the links seem to be working. If for any reason you are having difficulty, you can call TD’s credit card application centre directly at 1-800-983-2582, and ask them to apply the GreedyRates.ca source code of SB6L9 to your application for the TD Aeroplan Infinite Visa card and you will receive the exclusive promotion offered by GreedyRates.

      Let us know if you have any other questions.

      GreedyRates Staff

  19. Hi Greedy Rates,

    Thank you for the useful posts.

    I think Amex points will be gone with cancellation of Amex cards.
    But what if cancel Amex cards after all of Amex points have been converted to Aeromiles?

    Thank you.

    • Hi Jonathan,

      You are correct. One of the great advantages of Aeroplan miles is that you keep your miles even if you cancel your credit card – they are treated as two separate accounts, owned by two separate companies. Therefore, as you astutely observed, if you have Amex points, and you want to cancel your Amex credit card, first transfer your Amex points to Aeroplan Miles 1:1 (for free), and then cancel your credit card, that way you’ll protect your points. Essentailly that allows you to churn Aeroplan credit cards, without having to worry about using your Aeroplan miles before cancelling your credit card.

      Otherwise, whenever you cancel a credit card that has miles or points associated with it (RBC Avion, CIBC Aventura, BMO Rewards, TD First Class) you forfeit any points you’ve accumulated.

      Thanks for bringing it up Jonathan!

      GreedyRates Staff

  20. Hi there!
    If I am interested in the TD offer, is it OK that I already have a TD Aeroplan Visa? I just got it in April 2016 (when it was 15,000 welcome, 5,000 authorized user and 10,000 spend 1000/90 days). Now that that is ‘done’, do I cancel that one, and reapply? Or do I keep my current one and reapply?
    I am wondering if it hurts my credit to keep on cancelling and reapplying?
    Many thanks!

    • Hi Vivian,

      While you can re-apply for the TD Aeroplan card, TD has imposed some restrictions to limit the number of times you do so. TD’s terms say the following “If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person.” So you’ll have to wait at least 6 months in between applications. Thereafter, TD may limit you, but it’s up to them. You can always try and the worst that can happy is you get declined.

      If you apply for credit too frequently it can lower your credit score. However, once you stop, your score will rebound. Moreover, for those with strong credit scores, applying for credit will have less of a negative impact. Applying for a card every 3-4 months or so might work for some. The best thing to do is to check the impact on your score after you’ve applied. If it has not been impact, keep doing it. If it lowered a little, pause an extra month or so.

      Hope that helps,

      GreedyRates Staff

      • Hello!
        Thank you so much for your reply.
        I very much appreciate it.
        Since we applied in April, I guess we will wait until November-ish to reapply.
        I believe I have a strong credit score, so the impact as you say will not be as felt.
        This website is great, I am so glad I found it.

  21. Hi,

    I just had a quick question. I’m interested in the TD card and love the offer. I can also see that the expiry date is dated Sept 2, 2016 so there’s plenty of time for me to take the offer. The only concern I have is that this offer isn’t displayed anywhere on the TD website nor does a friend of mine that works in TD have any knowledge of this. I’m certainly not doubting the credibility of greedyrates.com, just wondered if it required any extra steps aside from following the link and applying.

    Thanks in advance,

    • Hi Derek,

      This offer is exclusive to GreedyRates.ca and is not available on TD’s website or in its branches. There are no additional steps to take. If you apply by clicking through a link on GreedyRates.ca everything will be automatically tracked, with no further steps required on your end. If you’d prefer, you can also call TD’s Credit Card call centre directly at 800-983-2582 and ask for the GreedyRates offer, source code SB6L9.

      Hope that helps!

      GreedyRates Staff

    • Hi Greedy rates,

      I applied in April. I believe it was for a 30,000 points bonus. Is that true or was it only 25,00.
      2. If yes, do you have a screenshot or the details of the offer, because so far I only received 15,000.

      Thank you! Great website!

      • Hi Ash,

        Thanks for the kind words! The TD Aeroplan Infinite offer in April was for 15,000 points on first purchase activation, 10,000 points after your account has been open and in good standing for 90 days, plus an additional 5,000 if you add an authorized user (total of 30K), with no minimum spend threshold. There was also an annual fee waiver for the first year.

        Given that you applied in April, your additional 10,000 bonus miles should get credited to your account the statement following your 90 days of good standing which should be sometime in August.

        If you have any issues whatsoever, we can assist you in ensuring your account gets properly credited. That said, all seems to be fine at this point.

        Let us know if you need anything else. We’d be glad to help.

        GreedyRates Staff

      • Ash, we did this same deal, got the 15,000 to start, got the 5,000 in June and then by July 22 we had out 10,000 (after the full 90 days and billing cycle).

  22. Hi! Thanks for your great articles, I find them really useful in deciding which credit cards to sign up for. I noticed that the TD Aeroplan card offer is less rich now, as they are only offer 20K instead of 25K (excluding the authorized user offer). Do you think they will eventually offer the 25K promo again, or do you think they are reigning in the promo for good and I should just go for the 20K? Thanks in advance!

    • Hi Bea,

      That’s a tough one. GreedyRates is not privy to TD’s promotional calendar, so we really don’t know. Watch us equivocate on this one:

      1. A bird in the hand is better than 2 in the bush
      2. Patience is a virtue

      Sorry we couldn’t be more helpful,

      GreedyRates Staff

  23. For the American Express Gold card, it requires that you spend $1500 in the first 3 months. Can you purchase a product for $1500 dollars using the AMEX card, wait until the points are received (hopefully less than 30 days) and then return the product to the retailer without then losing the points? This way you don’t need to spend a dime.


    • Tyler,

      On the record, the answer is no. You have to spend $1,500 (purchases, minus returns). However, and this is conjecture, there may be one way around it, using an off-shoot of your strategy.

      If you spend the $1,500 minimum, receive the bonus points from Amex, and then transfer those points to Aeroplan miles, it seems Amex will not have the ability to recoup those miles, because they will be in Aeroplan’s account, as opposed to Amex’s. However, we imagine that Amex would debit any points earned in future spending against those points – however, not sure how they can touch the 25,000 bonus miles.

      Make sense?

      GreedyRates Staff

  24. When do you get the points with the Amex Gold card? If you spend $500 in the first month, for example, do you get the points right away?

    • Hi Mike,

      Officially Amex will tell you 4-6 weeks from the time you spend your first $500. Unofficially, Amex will credit your account with the 25,000 bonus points within a few days of when you spend your first $500.

      You should note, we expect the minimum spend to increase from $500 to $1,500 in the next few days (possibly tomorrow), so if you are interested, get it with the lower spend threshold now. Alternatively, the TD Aeroplan Infinite Visa card has no minimum spend with the current offer.

      Hope that helps,

      GreedyRates Staff

  25. Hello,
    I have a Amex Gold Reward card due to expire in a few days in my name only which I do not want to renew. My question is can my husband apply for his own card using his name and receive the latest bonus offer? He is not listed on the account or has a supplementary card. . If this is possible can I then apply for a supplementary card in my name?

    Thank you.

    • Hi Heather,

      Yes, your husband can apply for the Aamex Gold Rewards card in his name and he will be eligible for the latest bonus offer, and you can become an authorized user if you want.

      GreedyRates Staff

  26. Hi there I have a few questions:

    1. If my husband I were to both sign up for the TD Infinite Aeroplan Visa card and Amex Gold Rewards card would we have access to potentially 100,000 Aeroplan points?! (2 cards for me at 50,000 points and 2 cards for him at 50,000 points)

    2. Can we combine our points to pay for the same trip? How difficult would it be to book our family flight sitting together using two different Aeroplan cards? If this is complicated should my husband just become an additional card user and we can collect points together in one Aeroplan account?

    3. Does the travel insurance cover our dependents if we book on the card or is that only if we use points to redeem a flight?

    4. Is it easy to transfer Amex rewards? Are there costs associated or disadvantages of doing this?

    5. Will cancelling credit cards I just signed up for affect my credit score?


    • 6. Sorry, would also like to know if I do own both cards would it benefit me to primarily use Amex Gold Rewards Card or TD Aeroplan Infinite Visa card? I know the TD Aeroplan infinite visa offers 3% in the first 90 days but what about after that?

      Thanks so much!

      • Hi Julie,

        6. Obviously we would recommend using the TD Aeroplan Infinite card for the first 90 days so you can get 3 miles per dollar spent on gas, groceries, pharmacy and aircanada.com purchases. Thereafter, the Amex Gold card would be the better choice to use on gas, grocery, drugstore and all travel purchases because it will give you 2 points per dollar spent in those categories versus 1.5 on the TD Aeroplan Infinite card. Both cards give you 1 point per dollar spent on all other purchases.

        Let us know if you have any other questions! Great stuff.

        GreedyRates Staff

    • Hi Julie, great questions!

      1. Yes. You would each be getting 25K per card, for a total of 100K points. There is no minimum spend requirement for the TD Aeroplan Infinite Visa, but the Amex Gold Rewards requires a minimal spend of $500 per card over the first 3 months.

      2. To book a family of four you would find a flight with 4 available seats. Note the date, time & flight number. Then simultaneously book your tickets through each individual aeroplan account. It’s not that difficult, although it takes some co-ordination. Once the seats are booked it’s easy to call-in and have everyone sitting together. Given the value at stake (50K miles – two free round-trip tickets to anywhere in North America), we still recommend getting 2 cards each.

      3. The travel medical insurance covers primary and dependents while you are out of province, whether you use the card or not (you can be in the U.S. by car and you’re covered). For the rest of travel insurances like trip cancellation, delay, interruption etc… you and you’re dependents are covered if the flight is booked with your credit card – not only if you use points to redeem.

      4. It is very easy to transfer Amex rewards to Aeroplan (done it many times). Just call Amex, speak to the customer service rep, and ask them to transfer the points to Aeroplan and it’s done, effective immediately. There is no additional cost or fee, and the points are converted to Aeroplan miles 1:1.

      5. There is no affect on your credit score when you cancel a credit card. You can cancel 3 cards at once (just did it), and there will be zero impact on score. The only possible unintended impact is if your carrying a balance, and by getting rid of a credit line, you inadvertently increase your credit utilization above 30%.

      Hope that helps,

      GreedyRates Staff

      • That sounds amazing! Thank you 🙂

        Another question I had was is if my husband and I wanted to take advantage of one card and choose to pay the annual fee when the initial year has passed, would it be more advantageous to go with the Amex Gold Rewards or the TD Aeroplan Infinite Travel? I would become an authorized user and we would rack up our points together. Would you recommend this? Which one allows more flexibility with purchases and would give us the most points in a year? I know not a lot of places accept Amex however they do have double the rewards vs the TD Aeroplan Infinite Travel Visa.

        If I do become an authorized user, am I allowed to be the primary card holder of the same card but different account? So if I had my own Anex Gold Rewards would I still be able to be an authorized user under my husbands account?

        Thanks in advance!

        • Hi Julie,

          We obviously recommend getting both cards for the welcome bonus, especially with the current TD Aeroplan infinite offer, that will start you off with 50K miles. Looks like you’ve done that, so good job.

          Looking past the welcome bonus, at that point the Amex Gold card gives more miles per dollar spent (2 points in gas, grocery, pharmacy and travel) versus 1.5 for the TD Aeroplan Infinite Visa (gas, grocery, pharmacy, aircanada.com). Both offer 1 mile per $1 spent everywhere else. However, as you state, Amex isn’t accepted in some locations, just make sure the card is accepted where you shop regularly, and it comes with an annual fee that is $30 more expensive.

          GreedyRates Staff

  27. Hello, I signed up for a TD aeroplan infinite visa card through greedyrates website which I received. However, I was wondering if I need to sign up separately to get the Aeroplan membership card. Do I receive that in a different mail or do I have to go online and sign up for it? thanks

    • Hi Kaye,

      If you don’t already have an Aeroplan membership, one will be created for you automatically, when you apply for the TD Aeroplan credit card (unless you already have an Aeroplan membership). You will receive your Aeroplan credit card immediately, your Aeroplan membership will be created immediately, and your Aeroplan loyalty card will be mailed to you within 4-6 weeks.

      Hope that helps,

      GreedyRates Staff

  28. Would you know if I recently cancelled my AMEX Gold Reward card & my spouse’s supplementary card, will my spouse be able to apply as the primary cardholder during this new promo period and earn the sign up bonus? Thanks!

  29. Hi. Quick question. I applied and just received my TD aeroplan visa. When I called to activate, the guy on the phone told me didn’t mention anything about the first 3 months having a double points earning period. Even after I mentioned it to him. Did I mess something up? I applied through the link on this website. Thanks.

    • Hi Mari,

      There is no issue. So long as you applied through a link from GreedyRates.ca, or gave GreedyRates as the reference site to the CSR if you applied over the phone, your account will be automatically appended with the double bonus points promotion in the first 90 days. If there are ever any issues (there shouldn’t be), you can always reach back out to us and we will resolve the issue on your behalf.

      Thanks for using GreedyRates.ca!

      GreedyRates Staff

  30. Hi there,

    I had the TD Aeroplan Infinite Visa CC–I signed up last spring under their FYF and 25K aeroplan points promotion. I recently cancelled this card because my one year date was going to expire.

    It has been almost 2 weeks since I cancelled the card. Are you saying that if I reapply for this card today and get approved, I will receive the sign up bonus and FYF offer again?


    • Hi Vinny,

      That is correct. Because you applied for your last TD Aeroplan Infinite Visa card more than 6 months ago, you may be eligible to apply for the card again and receive the current first year free, up to 30K and 2X miles for first 90 days offer on GreedyRates.ca. TD does reserve the right to limit the number of applications, but as TD states itself:

      “If you have opened an Account in the last 6 months, you will not be eligible for these offers. We reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person.”

      We have had many people apply for their second cards successfully.


      GreedyRates Staff

  31. Hi, I have a TD Aeroplan Infinite Visa. Can I cancel or downgrade it and re-apply through GreedyRates and be eligible for the 30,000 points bonus?
    Also I have the Amex Gold Card Rewards card already – can I cancel it, wait 6 months and sign up again to get the 25,000 points?

    • Hi Amanda,

      You can apply for another TD Aeroplan Infinite card if you opened your previous card more than 6 months ago. That said, TD does “reserve the right to limit the number of Accounts opened by and the number of miles awarded to any one person.” But it may be a while before they catch-on.

      Amex now limits the churning of its own cards. You are only allowed one welcome bonus offer for the Gold Rewards card. We asked and were told that, even if you apply 1 year after cancelling your Gold Rewards card, you would not be eligible for another welcome bonus offer if you re-applied for the Amex Gold card. You can still apply for multiple Amex cards and receive multiple sign-up bonuses. You just can’t churn the same Amex card over and over again.

      Hope that helps,

      GreedyRates Staff

      • Hi,

        Just to continue this thread and for further clarification on your first point – I currently have the TD Aeroplan Infinite card which I received about 11 months ago. I am planning on cancelling it this week since my first free year is almost up. Are you saying that I could cancel it this week and then re-apply right away for the TD Aeroplan Infinite card on greedyrates and receive the 30K bonus? If so, do I need to wait a certain period of time between cancelling and re-applying through greedy rates?

        Lastly, have you heard of many cases where TD has limited the number of accounts opened or limited the number of miles awarded to someone?

        • Hi Clement,

          That is correct. Since you’ve had your TD Aeroplan Infinite card for more than 6 months, according to TD’s terms and conditions, you can cancel it and re-apply and receive another welcome bonus offer – subject to TD discretion. There is no stated wait period. Since TD adjudication is automated, we’re not sure of the benefit of waiting an extended period of time. I would wager you would not be flagged at one re-application. We have not heard of anyone, who followed the terms, being limited by TD as of yet – although that may change as the program matures.

          Let us know how it goes!

          GreedyRates Staff

  32. Hi!

    Thanks for all the great articles on here! I am going to be using the AMEX gold rewards in conjunction with the TD Aeroplan infinite now to maximize my Aeroplan earnings.

    I actually just received my TD Aeroplan Visa Infinite and I instantly noticed that the words “infinite” under the VISA sign looks very different than all the pictures to date of the card. This includes the brochure, website and even the VISA infinite website. The words are smaller and not italicized. Being the kind of paranoid person I am, can you guys confirm that this is a new font they’re using now? Or is it possibly because they’ve used my full name which is 14 letters long with 3 spaces?

    Thanks in advance!

    • Hi Sam,

      Thanks for the kind words! Interesting question. Since we don’t have the answer off the top of our heads, we’re in the process of hunting it down for you. Check back soon. We’ll update comments when we have the answer (if we can find it!)


      GreedyRates Staff

  33. Hi,

    Thanks for all the great articles. I have a question regarding eligibility for the TD Inifinite Aeroplan bonus. I just did a product transfer from TD First Class to the TD Aeroplan Visa Infinite. I did so because I was not using my First Class much and wanted to take advantage of the current offer (15,000 welcome points, 10,000 points after 1k spend in first 90 days, and 5000 points if I add an authorized user).

    As I did a product transfer, I was assured by the teller (who I’d like to add seemed like she was new as she had to constantly ask someone for answers) that I would be eligible for the Aeroplan bonus despite this being a product transfer. Would you be able to confirm that I would still be eligible for the offer as it would be extremely disappointing if I switched over to this card and did not receive the bonus offer when I could have cancelled and applied.


    • Hi Kent,

      Yes, we confirmed, you should get it. However, remember, you won’t get the GreedyRates Aeroplan offer, which is better than the one in the branch. On top of the 30K bonus miles, the GreedyRates offer waives the first year annual fee, gives you 3 bonus miles per dollar spent in the first 90 days, instead of 1.5, on gas, grocery and drugstore spend and there is no minimum spend requirement to recieve the incremental 10,000 miles – all you have to do is keep your account open and in good standing for 90 days.

      To get the GreedyRates offer you have to click through the link from GreedyRates.ca

      Hope that helps,

      GreedyRates Staff

      • Thank you for the response! I wish I had seen this bonus offer from GreedyRates earlier because 3 miles for every dollar is very enticing. Thanks again and I look forward to more great articles for you guys.

      • Hello there! My understanding is that you have to pay 50$ to get add an authorized user and get the 5000 bonus miles on the TD Infinite Visa. Is this right?

        Thanks and have a nice day!

        • Hi Sebastien,

          You are correct. For the current TD Aeroplan Infinite offer, you get your first 15,000 Aeroplan miles after your first purchase (could be a pack of gum). You get the next 10,000 miles when you keep your account open and in good standing for 90 days. That’s a total of 25,000 miles, which is good enough for a free round trip ticket to anywhere in North America. Then, if you add an authorized user for $50, you will get an additional 5,000 miles.

          With each Aeroplan mile valued on average around 1.27 cents, 5,000 miles is worth around $65. As a result the 5,000 miles authorized user bonus covers the incremental $50 fee and then some – and gives you the benefit of having the additional card.

          Hope that helps,

          GreedyRates Staff

  34. Hi there! Great article as always. With the great advice you offered in other posts, I applied for an MBNA Platinum Plus card and was approved with a sufficient credit limit to pay off almost two credit cards interest-free over the next twelve months! I’m thrilled. This only happened in the last couple weeks. Would it be too soon to be looking at applying for other credit cards to rack up travel points? I don’t want these credit applications to affect my credit score negatively…

    • Hi Concerned!

      Thanks for the kind words and glad we were able to help you save some money on unnecessary interest charges!

      There’s an ongoing debate on how long you should wait between applications. It really depends on a few things. First, how strong your credit is to begin with. The stronger it is, the less it will be impacted by additional applications. Second, it depends on whether it matters that your credit will be temporarily lowered. If you apply for another card and your credit score drops by 10 points for a month, does it make a difference (if you’re about to apply for a mortgage or refinance your house maybe it does).

      That said, you might want to wait a few weeks before your next application. If you’re going to be churning consistently, you might want to apply every 90 days. If once in a while, you can bunch two applications together a little closer.

      Hope that helps,

      GreedyRates Staff

  35. There’s no more referral bonus for the AMEX gold as off Jan 11, 2016. And I think the AMEX gold sign up bonus now a once per lifetime thing?

    • Hi Deborah,

      That’s correct. There is no more 10K refer-a-friend bonus for the Amex Gold Rewards card for the time being.

      With respect to the lifetime welcome bonus restrictions, Amex Cardmembers re-applying for a card with a welcome offer would not be eligible to receive a second welcome offer for any product they’ve already had. If they are applying for a different product, they wouldn’t be impacted. So you can apply for the Amex Gold Rewards, then the Amex Aeroplan Gold, then the Amex Aeroplan Platinum and get the welcome bonus offers for each. You just can’t apply for the Amex Aeroplan Gold, collect 15K miles, cancel, rinse, wash, repeat ad infinitum.

      GreedyRates Staff

  36. What about the Amex Aeroplan reserve card?

    • Hi Danielle,

      Frankly because of it’s $899 annual fee, we just didn’t think the Aeroplan Reserve card merited being listed as one of the top Aeroplan sign-up bonus offers. If your focus is on the sign-up offer, which this review is, you’d be better off getting the Amex Aeroplan which comes with 50,000 miles but a $499 annual fee.


      GreedyRates Staff

  37. UnHappy AMEXmember

    I signed up for the AMEX aeroplan card last year (with annual fee) to get the 25000 bonus points. After about 3 months, I noticed that they didn’t give me the bonus points yet. Ended up having to follow up with them 3 times on the phone and finally got the points a couple of months later. This year, I signed up for the AMEX gold rewards (no annual fee for the first year) and, despite meeting the $500 minimum within the first month, the same thing has happened! Am I just unlucky or are other people also not getting their bonus points automatically?

  38. Hi,

    I am not currently an Aeroplan card member but if I apply for the TD Aeroplan Visa Infinite Card will they also issue me an Aeroplan rewards card and number at the same time as the Visa card?


    • Hi Daniel,

      Yes, you will have an Aeroplan number automatically created and assigned to you when you apply for your credit card if you don’t and enter a pre-existing membership number on your application.

      Hope that helps,

      GreedyRates Staff

  39. The best way to waved the annual fee for TD credit cards is having $5000 in your account and convert your account in unlimited.

  40. I currently have the CIBC Aerogold visa and am thinking of switching to TD (bank as well as Visa). Whereas I already have an Aeroplan account and number, will the bonus miles go into my existing account, or will they have to go into a new account?


    • Hi Jeff,

      If you already have an Aeroplan account number, you can append it to any new Aeroplan credit card from TD or Amex, such that all of your bonus and points from spend go into your one Aeroplan account.

      Hope that helps,

      GreedyRates Staff

  41. Hi

    I know the offer was supposed to be October 30, but is there any way (by may be calling Aeroplan itself or something) i can still apply it? I did get this offer in the mail with the same expiry date.

    Great post btw!


    • Hi Ronald,

      Thanks for the kind words. Unfortunately the October 30th expiry is firm. That said, we are going to link to a new offer coming out tomorrow, November 2nd, with a first year annual fee rebate, 20,000 Aeroplan Miles and all you’ll have to do is activate your account and keep it open and in good standing for 90 days – no minimum spend. Still a great deal.

      GreedyRates Staff

  42. Hi – Great info, thank you.

    Question: I have a TD Aeroplan Visa Infinite (have had it for a few years). I was considering to get an additional card ($50/yr) for my husband- Aeroplan had (has?) a sign-up bonus of a few K miles.
    Is it better to sign up for a new Aeroplan Visa Infinite in his name, get the points and then cancel the card in a while – are we able to link Aeroplan accounts to transfer those new card bonus points into my Aeroplan account 1:1?


    • Hi Diana,

      You can’t transfer miles freely from one Aeroplan account to another. You can book a ticket for someone else using your miles. As a result, we absolutely think you should apply for another account in your husband’s name – this will give you guys access to an additional 25,000 miles with no annual fee, if you apply before October 30th.

      Hope that helps,

      GreedyRates Staff

  43. If traveling out side of Canada (the best use of Aeroplan points) you can also convert your Amex Gold Card points to Avios (Bristish Airways) and they are great for traveling in Australia and the UK/ Europe. They just had a promotion where they gave you an extra 25% for the conversion.

  44. Is there an expiry to the points converted to aeroplan from amex rewards?

    • Hi Jay,

      When you transfer your Amex points to Aeroplan, the expiry is then set to Aeroplan’s policy which is that the account has to be active within a 12 month period. Active is further defined as “one of the following activities is required: accumulate, redeem, donate, or transfer miles (subject to applicable fees)”. It’s a pretty easy thereshold to meet.

      GreedyRates Staff

  45. Hi,

    From reading the comments, and this blog for the past couple weeks, I noticed that the TD Aeroplan Infinite Visa has had varying promotions. Up until September 1, the promotion was a 25K mile sign-up bonus, first year free offer, and only a $1,000 min spend to get the bonus. But now the promotion has changed to a 15K mile sign-up bonus with the first purchase, an additional 10K mile bonus if the account is kept in good standing for 90 days, and first year free. The promotion going on right now seems like the more favourable of the two, as there is no minimum spend, and I would just need to keep the account open for 90 days.

    However my questions for you are: Is the current promotion for the TD Aeroplan Infinite Visa the best one that has been available in the past? What has the general trend of the past promotions been like (ex. better promotional offers as time progresses)? Do you know what the future promotions would be like, and how this one would measure up to them?

    Also, on another note.. I am looking to sign up for both the TD Aeroplan Infinite Visa, and the AMEX Gold, and cancel my AMEX Aeroplus Gold Card that I have already received rewards for. Would you recommend I stager my application and cancellation dates (and if so, how long between), or just do everything at once in the same day? I do not know what my credit score is, but I would like to minimize the negative effects on it.


    • Hi Janice,

      Welcome to the club! The TD Aeroplan Infinite Visa offer is the same now, as it was prior to September 1st – TD extended the offer on GreedyRates.ca. With respect to your questions:
      1. The current promotion on GreedyRates for the TD Aeroplan Infinite Visa is the best offer available. To our knowledge, no other TD offer has been as high as 25,000 miles (15,000 on activation, 10,000 keeping your account open and in good standing for 90 days), with a first year annual fee rebate. Most partners only have access to the 25,000 miles promotion, without the first year annual fee rebate. To our knowledge the offer on GreedyRates is the best offer that has been available.

      2. With respect to staggering your applications, you mentioned the two alternatives. If you don’t know your credit score, we would recommend first applying for the TD Aeroplan Infinite card, then waiting 60-90 days and applying for the Amex Gold Rewards card. Only cancel your Amex Aeroplan Gold once you’ve been approved for your TD Aeroplan Infinite card (you don’t want to be cardless).

      Hope that helps,

      GreedyRates Staff

  46. If I already have a T.D visa infinite card since early 2014 that I pay for ,can I get a second T.D infinite card and receive the 25000 welcome points as well as have the fees waived for the first yr on this card?

    • Hi Irene,

      TD’s policy for the Aeroplan Infinite Visa regarding bonus points is as follows “If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by, and the number of Welcome Bonus Miles awarded to, any one person.” We would need to hear from more readers to see how TD has implemented their policy in practice. You can always try and see what happens! That said, if you prefer not to, you can get the American Express Gold card above, which also has a 25,000 mile sign-up bonus, with only a $500 minimum spend requirement and also waives the annual fee in the first year. You will get your initial 25,000 mile sign-up bonus in Amex points, which you can then transfer to Aeroplan 1:1 with no fee.

      Hope that helps,

      GreedyRates Staff

  47. Hi,

    I just applied for the American Express Gold Rewards Card and the American Express Business Gold Rewards card. I have a couple of questions:

    1. I will be receiving an extra card for my husband. Do you recommend he still applies for two different cards that will allow him to accrue 25K in bonus points? If so, which cards would you recommend he apply for to maximize bonus point and rewards points collection? How many cards offering bonus rewards can one couple legally apply for?

    2. I am planning to renovate my office this fall/winter hence will try to spend the $5,000 within the first 3 months in order to get the 30K bonus points. I am thinking of putting $2,800 in spending for a trip I will be taking in October on this card, however, I am nervous that I may not actually accrue the full $5,000 on this card so is it worth taking that risk. In other words, should I simply put the $2,800 of travel expenses on the American Express Gold Rewards card? It seems that one can collect points faster using this card as compared to the business one? Do you have any further advice on whether these are two good cards to apply for? I applied over the telephone and requested that these two cards be linked to the same aeroplan account in order to simplify collection and redemption of points, was this a good idea?

    Thanks very much,


    • Hi Sandra,

      Fun challenge:

      1. If you’re husband has a good credit history, of course he should apply seperately to get access to the additional sign-up bonuses. It seems like the Amex corporate card might be a challenge for you, and potentially your husband, with the $5,000 min spend. Why not both apply for the Amex Gold card, which has a $500 min spend, and no fee in the first year, and then the TD Aeroplan Infinite Visa, which also has a 25K mile sign-up bonus, first year free offer, and only a $1,000 min spend to get the bonus.

      You can then convert your Amex Gold points to Aeroplan Miles at a rate of 1:1, with no fee. That would give you 50,000 Aeroplan miles, with no annual fee, and a minimum spend to get the points of $500 and $1,000 respectively.

      2. If you’re not sure you’ll make the min qualifying spend of $5,000, stick to the plan above. We never recommend stretching your spend to get the points. Yes linking your accounts to the same Aeroplan number was the right call. By the way, if the $5,000 min spend ends up not being a problem, nothing stops you from also applying for the TD Aeroplan Infinite Visa, 60 days from now.

      Hope that helps,

      GreedyRates Staff

  48. Hi,

    Can I apply a second time for a TD Aeroplan visa infinite card even if I already participated in the promotion 2 years ago? I cancelled the card in September 2014.

    • Hi Sylvia,

      Officially TD says “If you have opened an Account in the last 6 months, you will not be eligible for this offer. We reserve the right to limit the number of Accounts opened by and the number of Welcome Bonus Miles awarded to any one person.” That said, it’s been 11 months since you closed your account. We think you should give it a try – please let us know how it goes, so we can share with others.


      GreedyRates Staff

  49. Why are the points so low? and why are the card fees so high? 25,000 points won’t get me from Toronto to Mexico.
    I would have to churn 2 cards just for a flight to Cancun…4 cards to include my wife.
    There has to be a better way

    • Hi John,

      If you want your free return airfare to Cancun cost free, which is 40,000 Miles, get the TD Aeroplan Infinite and the Amex Gold Rewards card (transfer Amex point to Aeroplan 1:1 for free) – both offering 25,000 Miles and no fee in the first year. That will give you 50,000 Miles without paying an annual fee. You’re wife can then do them same on her own credit, and voila – you have 100,000 Miles.

      the 25,000 mile no fee offer is the best offer you’ll get in Canada right now for churners. In fact, the TD Aeroplan offer for 25K, FYF is only available through a select number of TD’s online partners as part of a special promotion. It’s not available in TD branches, or on TD’s website – frankly, it’s the best offer out there.

      While Canada does not offer sign-up bonuses anywhere near par with the U.S., 25,000 Miles gets you free return airfare from Toronto to ANYWHERE in Canada or continental USA (Florida, California, Arizona, Vancouver, etc…), that’s not terrible. Moreover, there are 2 cards above now offering 25,000 miles with no annual fee in the first year, so it’s virtually free – a churners dream.

  50. can i sign up for the platinum, make a purchase in 1 month of $1000, then cancel the card and still earn the 40K points, and not pay the full fee – only pay for the one month for the card use?

    • Hi Ben,

      Unfortunately, because there is no annual fee waiver, you will be charged the full annual fee whether you use the card for one month or 12 months. That said, you could spend the $1,000 on the Aeroplan Infinite Visa card, get 25,000 miles, then terminated your card, and you won’t pay an annual fee because the card has a first year annual fee waiver. You can also do the same with the Amex Gold card, which offers 25,000 points and no fee in the first year, and then allows you to transfer Amex point to Aeroplan Miles 1:1. Doing both those cards will earn you 50,000 Aeroplan Miles without any annual fee in the first year.

      Hope that helps,


  51. First 90 days for bonus points starts counting from the date when visa application has been approved, or the date when I activate my Visa card?
    I’m gonna leave Canada for 2 months, can I apply for visa, then receive my Visa card before I leave, but wait until I come back to canada to activate my card, then start to use it?


    • Hi Jasmine,

      Unfortunately for your situation, the 90 days start from the time of approval. Perhaps you can wait a little and then apply (you can even apply online while you’re away).


      GreedyRates Staff

  52. I applied for a TD Aeroplan Visa card in person at TD Canada Trust approximately the first days of May and I was sure that there was a first year annual fee waived , that’s also one of the reasons I applied, now I feel disappointed because I have received an statement where I have to pay $ 89.00. I don’t understand because while talking to the representative at the bank he even told me not to cancel it before the year ends, what for I would like to cancel it if I had to pay $89.00, that doesn’t make any sense at all. Could you please let me know if the promotion for the annual year fee waived was available at the beginning of May. Thanks

    • Hi Paola,

      The TD Aeroplan annual fee waiver offer is available from GreedyRates.ca, however, it is not available everywhere. It is an internet only offer available through a select number of TD partners, of which GreedyRates.ca is one. Some of the offers we have on our site are not available in the corresponding bank branches, websites or call centres. That said, the no annual fee offer is available when you click through to TD’s application page from GreedyRates. We cannot speak for what offers are available within the branches, call centres, direct mail or other internet properties.

      GreedyRates Staff

  53. Hi – I would like to apply for the TD Visa Infinite card with the 25,000 mile sign-up bonus, plus the first year annual fee waiver but you say it is only good until May 2015 – it is now May 5th – it is still good???

    • Hi Roxy, The TD Visa Inifinite promotion with the 25,000 mile sign-up bonus and first year annual fee waiver is good until May 8th.

      Thanks for pointing it out.

      GreedyRates staff

  54. thanks for the tips! Question: I cancelled the AMEX Aeroplan card recently, so can I sign up for the AMEX Gold and still get the points? Or do I need to wait 6 months?

    • Hi Robin,

      Absolutely! Assuming your credit is fine and you get approved, you will get the 25,000 point welcome bonus offer for the AMEX Gold card. In fact, you can even apply for an additional Amex Gold card, while having an existing Amex Aeroplan card (or vice versa) – and get the sign-up bonus points.

      GreedyRates Staff

  55. Hi GreedyRates,

    Thanks for the the table, very useful. I have a question..

    I am very new to this mils business, I need to travel from YYZ to YVR in June 1st week which i believe requires 25K Aeroplan miles. Do I have enough time to apply for a card from the ones suggested above, collect the welcome bonus aeroplan miles and book a flight using them?


    • Hi Ajn,

      You should have plenty of time. Most applicants are instantly approved. From there you will receive your card within 10 business days. You will have the first 15,000 miles credited to your account with your first purchase. Then all you have to do is spend $1,000 to get the additional 10,000 miles, which will be credited to your accounted immediately. All told, if you applied and we’re instantly approved today, you could have your 25,000 miles in hand by April 22nd.

      The only way this plan does not work, is if your credit is borderline acceptable (lets say it’s less than a 700 FICO). In that case, you may not be instantly approved and it could take up to 21~ days for approval, taking you into early May to receive your card – still leaving you time to book your trip.

      Hopefully that works for you.

  56. Hi

    I have the TD infinite Privilege aeroplan and found I will not be using all the perks this card offers. If I cancel this card and apply for the TD infinite card will I ;

    1. Be approved even if I hold or cancel the infinite privilge card
    2. Receive the sign up bonus offet and 1 year no fee


    • Hi Francois,

      1. You can get approved for the TD Infinite Visa Aeroplan card, even if you hold or have cancelled the TD Infinite Privilege Aeroplan card.
      2. If you apply separately, you will be eligible to receive the sign-p bonus and annual fee waiver – as long as you don’t do a product transfer.

  57. Hi,
    I just tried to apply for the TD Visa Infinite card and the small print states that the fee is $120 charged in the first month not rebated over 2 months as stated here. I called TD and they said you had to be targeted by aeroplan to get the 2 month rebate offer and that it was over yesterday. I am trying to collect 40,000 aeroplan or equivalent points asap and the the stores I shop at do not accept Amex. Any suggestions,
    Many Thanks

    • The offer for the TD Visa Infinite card is the 25,000 mile sign-up bonus, plus the first year annual fee waiver. The offer to the link above is an online only offer good until May, 2015. You will see the annual fee charged to your account in the first statement, but it will be reversed after the second statement. The fine print reads as follows “Annual Fee will be reversed within 2 monthly statements from the date of the charge.” Let me know if that clears things up for you.

      Even though the majority of the stores you shop at in your particular case don’t accept American Express, you can still get access to the 25,000 point welcome bonus. All you’ll have to do is get the Amex Gold card, and spend the $500 minimum. Chances are you’ll be able to find enough merchants that accept Amex to spend $500 – most gas stations accept Amex, so do IGA, Sobey and metro grocery stores. You can then transfer the 25,000 Amex welcome points to Aeroplan Miles 1:1 with no incremental fee. Let me know if that helps you.

      • Just chatted with a TD representative who said that the offer only applies to those who received the invitation for the waived fee. How can we be sure whether the waiver applies to us? That’s make-or-break for me.

        • Hi Robin,

          This TD offer is available through Greedyrates.ca – it is not available in TD branches or in their call center unless you received an invitation to apply. When you click through the link above, it takes you to TD’s secure landing page specifically for the first year annual fee waiver offer with 25,000 bonus points. At the top of TD’s landing page you will see both the first year annual fee waiver and 25,000 welcome bonus points offer described. Hopefully that helps answer your question. Let us know if you have any other questions.



          • Hi: I too am interested in this TD Aeroplan Visa Infinite deal. I go to the landing page you’ve described, then when I go further to apply there is no information whatsoever about the fee being waived or rebated. I haven’t gone all the way through the application process and perhaps there will be mention of it before I finalize the application? I too phoned TD and they indicated this offer was no longer in effect???
            Here is the fine print that comes up on the first page of the application process after the first page that links to your website –
            $120 ($50 each Authorized User Card). To be charged on the first statement after the Card is issued (regardless of activation) and annually thereafter in the same month.
            Should I continue through the application process to see if the note about the rebate/waiver appears?
            Thanks – this will be a great bonus if it works.

          • Hi John,

            The no annual fee, 25,000 mile sign-up bonus offer is available online only. The link will take you to TD’s secure landing page which will describe the offer at the top of the page. Once there, TD will track your application and the offer will be attributed to your application. None of TD’s special offers appear in the application itself. But they are applied upon approval. There should not be any issue.

            GReedyRates Staff

          • I had applied back in July, 2015 using the link above. I couldn’t complete my application for some reason and had to call TD to complete the application. The agent made sure that she took note of the “source” of my original application so that I get the fee waiver.
            TD was super quick to charge the annual fee to my account (I can see it online) — before I even got the card. Fortunately, they were just as quick to rebate the annual fee (just over 2 weeks later).

            So far so good.

            Thanks for offering this special promo!

  58. Is it possible to sign up for one of the “no annual fee for the first year” cards, receive the bonus miles, and then cancel the credit card before the year is up and still keep the miles?

    • Hi Sheldon,

      The answer is yes, even if you cancel your Aeroplan credit card, you still maintain your Aeroplan points:

      TD’s policy is as follows: “If you close your TD Aeroplan Visa Infinite card, your points will have an expiry date as per Aeroplan’s terms and conditions.” Aeroplan’s relevant expiry date terms and conditions are as follows: “Mileage will expire in accounts that have had no qualifying activity in the previous 12 months (1 year). This means that you must earn or redeem at least 1 mile in a 12 month period to keep your account active.” That means, all you’ll have to do is use your Aeroplan loyalty card (not your credit card) to earn points and keep your account active at least once per year. i.e. when you fill-up for gas or buy a pack of gum at Esso use your Aeroplan loyalty card, and your account will remain active.

      Does that help?

  59. Hi,

    Just cancelled Amex aeroplan plus gold in May. Is it possible to get the sign-up bonus again if I apply a new card before July 14? Thanks!

    • Hi Jay,

      Officially, as of 2013, Amex’s new accounts department now requires customers to wait a minimum of 6 months before they can apply for the SAME card and be eligible for the sign-up bonus offer. However, in your case, you could apply for the Amex Gold Rewards card, which is a different product than the Aeroplan Gold card, also has a first year annual fee waiver, get the 25,000 bonus points and then convert those same points back to Aeroplan 1:1, with no extra fees. Hope that helps Jay.

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