TD® Aeroplan® Visa Infinite* Card Review

Sign Up Bonus Points
Conditions Apply, Up to
50,000
Sign Up Cash Value
$1,400
Annual Fee
Annual Fee Rebate
$139
Purchase APR
19.99%
Cash Advance Interest Rate
22.99%
Recommended Credit Score
740 850 670 739 580 669 0 579
Good-Excellent
Online exclusive: Earn up to 50,000 Aeroplan points. Plus, first year no Annual Fee. Conditions Apply. Must apply online by January 3, 2023.

This offer is not available for residents of Quebec. For Quebec residents, please click here.

Best Travel Credit CardThe TD® Aeroplan® Visa Infinite* Card is a versatile credit card with competitive earn rates and a comprehensive travel insurance package.

If you like to collect Aeroplan Points or are a frequent traveler, we recommend reading up on this card and to see if you can take advantage of its benefits. This card might just be the one for you.

Pros and Cons of the TD® Aeroplan® Visa Infinite* Card

Pros:

  • The card has a high earn rate for Aeroplan Points, generating 1.5 points per $1 spent on eligible purchases.
  • Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
  • First year annual rebate if you apply online by January 3, 2023.

Cons:

  • No airport lounge membership or free lounge access.
  • Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.

Welcome Bonus

Earn up to $1,400 in value including up to 50,000 Aeroplan points, no annual fee for the first year and additional travel benefits. Must apply online by January 3, 2023.

  • Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card
  • Earn 20,000 Aeroplan points when you spend $1,500 within 90 days of Account opening
  • Plus, earn an additional 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening
  • Enroll for NEXUS and once every 48 months get an application fee rebate, and share free first checked bags
  • Plus, get an annual fee rebate for the first year.

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by January 4, 2023.

Click Here to Apply for the TD® Aeroplan® Visa Infinite* Card

Benefits and Features

Combined with the current sign up bonus, the Visa Infinite program offers a great collection of additional perks. Here are the excellent travel benefits for frequent flyers that come with the TD® Aeroplan® Visa Infinite* Card:

Travel Insurance Coverage

This card offers a comprehensive travel insurance package, including some things not typically covered by other credit card insurance programs. Here are some things this card’s insurance covers:

InsuranceCoverage
Travel Medical Emergency$1,000,000 for up to 21 days (4 days for those over 65)
Travel AccidentUp to $500,000
Trip Cancellation$1,500 per person up to $5,000
Trip Interruptionup to $5,000 per person with a max of $25,000
Flight/Trip Delay$500 (after 4 hours)
Delayed/Lost Baggage$1,000 (after 6 hours)
Car Rental InsuranceUp to 48 days
Hotel/Motel Burglary Insurance$2,500 for items stolen from hotels/motels

First Checked Bag Free

This card’s perks extend even further to checking your bags when you get to your flight. Cardholders will get their first checked bag free for themselves as well as up to 8 other travelers, when your flight originates on an Air Canada flight.

Emergency Travel Assistance Program

Cardholders have access to a toll-free number 24/7 for any issues or emergencies when it comes to your travels.

Aeroplan Point Expiration

As long as your credit card account is in good standing, your Aeroplan points will never expire. 

How to Earn Points

With the TD® Aeroplan® Visa Infinite* Card, you’ll earn Aeroplan points on everyday purchases you make with your card. You can earn 1.5 Aeroplan points for every $1 on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. You earn 1 Aeroplan point for every $1 spent on all other purchases. When you pay with your Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore, you can earn twice the Aeroplan points.

How to Redeem Points

With the new Aeroplan changes, it’s much easier to redeem those points. You can do so directly through the aircanada.ca website or the AirCanada app. The whole process has been transformed offering you more transparency and simplicity when redeeming your Aeroplan points.

Rates and Fees

Interest Rates

The TD® Aeroplan® Visa Infinite* Card comes with some standard interest rates. You’ll pay 19.99% on standard purchases, 22.99% on balance transfers, as well as 22.99% on cash advances.

Fees

  • Annual fee: $139 (first year annual fee rebate)
  • Additional cardholder annual fees: $75 (first year annual fee rebate)
  • Cash advance transaction: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque).
  • Foreign transaction fee: 2.5%

  • Dishonoured payment fees: $48
  • Rush card fee (per rush delivery request): $25
  • Overlimit fee: $29
  • Balance transfer / cheque fee: 3% of the amount of each Balance Transfer or TD Visa Cheque

Who is Eligible for the Card?

In order to be eligible for this card you have to be a Canadian resident at the age of majority of their province or territory. You’ll also have to have a minimum personal income of $60,000 or household income of $100,000 as well as a credit score in the good to excellent range.

How to get the TD® Aeroplan® Visa Infinite* Card

Applying for the TD® Aeroplan® Visa Infinite* Card is simple- you can click here to apply online. You need to fill out information on your name, address, occupation, income, and credit history. The application process shouldn’t take you too long so long as you have the information on hand.

How Does It Compare?

Card NameTD® Aeroplan® Visa Infinite* CardAmerican Express® Gold Rewards CardAlaska Airlines World Elite® Mastercard®
Welcome BonusOnline exclusive: Earn up to 50,000 Aeroplan points. Plus, first year no Annual Fee. Conditions Apply. Must apply online by January 3, 2023.A maximum 25,000-point welcome bonus, enough for a return long haul flight anywhere in continental North America.30,000 bonus miles††
Earn Rates1.5 Aeroplan points per $1 spent on eligible gas, grocery, and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card; 1 point per $1 spent on everything else2 points per $1 spent on gas, grocery, drugstore, and travel purchases; 1 point per $1 spent on everything else3 Miles‡ per $1 spent with Alaska Airlines; 1 Mile‡ per $1 spent on all other purchases
Key FeaturesComprehensive travel insurance program. Earn Aeroplan points twice at participating retailers and the Aeroplan eStore.Flexibility when redeeming points; transfer points to Aeroplan 1:1Annual $121 (USD) ($99 plus taxes and fees from $22)◊◊ Companion Fare after you make $1,000 or more in eligible purchases within the first 90 days of your account opening for a round-trip flight anywhere within the continental United States, Alaska, Canada, Hawaii, or Mexico
Regular Interest RatesPurchases: 19.99%; Cash Advances: 22.99%; and Balance Transfers: 22.99%Purchases: 30%Purchases: 19.99%; Cash Advances and Balance Transfers: 22.99%✪

As an Amex, the American Express® Gold Rewards Card has more limited merchant acceptance rates than a Visa or Mastercard, which is definitely a drawback. But the American Express® Gold Rewards Card does have a hidden feature worth pointing out: its Amex Membership Rewards points can be transferred 1:1 to Aeroplan. And if you instead opt to keep the points you earn as Amex points they will still be more flexible than Aeroplan points, as you can redeem Amex points directly against a charge to your credit card.

Though Alaska Airlines is far less popular among Canadians than Air Canada, the Alaska Airlines World Elite® Mastercard®* might nonetheless be worth looking at if you live in Western Canada (as it only flies out of Vancouver, Victoria, Edmonton and Calgary).  The Alaska Airlines® World Elite® Mastercard’s annual fee is far lower than the TD® Aeroplan® Visa Infinite* Card, at $99 vs. $139 respectively, and includes a round-trip companion fare that renews every year◊◊.

††, ‡, ◊◊, ӕ, ✪, Terms and Conditions apply.

Alaska Airlines® World Elite® Mastercard® offer is not available for residents of Quebec. For residents of Quebec, please click here.

Sponsored advertising. MBNA is a division of The Toronto-Dominion Bank (TD) and TD is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete information on this MBNA credit card, please click on the “Apply Now” button.

The Toronto-Dominion Bank is the issuer of this credit card. MBNA is a division of The Toronto-Dominion Bank. ®MBNA and other-trademarks are the property of The Toronto-Dominion Bank.

Our Verdict

In my opinion, the card’s best features are the travel insurance program and high earn rate. Rewards are valued higher when redeemed for Air Canada flights and lounges but if you can make your travel plans align, it can be worth it.

This card is a great option for eligible, frequent travellers who can take advantage of the high earn categories and practical travel perks. Its sign-up bonus and first-year annual fee rebate give the card immediate value, while its earn rate and included travel insurance maintain the card’s value when its annual fee kicks in after the first year.

Click Here to Apply for the TD® Aeroplan® Visa Infinite* Card

Terms and conditions apply.

Author Bio

Barry Choi
Barry Choi is a personal finance and travel expert at MoneyWeHave.com. He has been quoted by media in Canada and the United States, including The Financial Post, The Toronto Star, Business Insider, The Globe and Mail, and has appeared on HuffPost Live. You can follow him on Twitter: @barrychoi

Article comments

377 comments
Connie says:

I’m a card holder for TD Aeroplan visa infinite card. How can I claim the 1st checked baggage free of charge if I redeem tickets by Aeroplan points? At air Canada counter?

Daniel from GreedyRates says:

Hi Connie,
As a TD Aeroplan Visa Infinite’s customer, your 1st checked baggage free perk should be associated Aeroplan account. That status will be reflected at the Air Canada counter. You’ll have to visit the counter to avoid paying for your baggage (vs if you were to check in at the kiosk). Bon voyage!

Alex says:

Hi, thanks for the excellent article. One question regarding this statement:
“The Aeroplan points you earn on the TD® Aeroplan® Visa Infinite* Card can only be redeemed for Air Canada flights
and no other airline.”
Where can I find more details about this? What if Aeroplan points earned from TD adds on to my existing Aeroplan points? Does it mean I can’t redeem ALL my points for other airlines? Sounds like not a good way to accumulate points if I already have a large amount of Aeroplan points in my account.

Thanks,
Alex

Daniel from GreedyRates says:

Hi Alex,
Your Aeroplan points collected using your TD Aeroplan Visa Infinite card can be redeemed for flights with Air Canada and Star Alliance member airlines. We’ll be sure to get this updated in the post. Thanks for catching this.

Jenn says:

Hi…do you know how the free checked baggage works?? Do you have to go to the counter at the airport and present your card or is it something that happens at the time of booking?
Thanks

Daniel at GreedyRates says:

Hi Jenn,
You’ll need to add your Aeroplan frequent flyer number to your reservation at the time of booking. Provided that’s the same Aeroplan number that’s tied to your credit card, their systems should have it on file and attendants should process your first checked bag as free. If you’re checking in online and the system doesn’t give you the option for the free bag, you’ll need to visit the check in counter and they’ll get you sorted. Be sure to bring your card for best results. Bon voyage!

Adrian says:

Hello, do you know if all Visa Infinite cards have the same travel benefits? On TD, is says that only this card has access to the “Luxury Hotel Collection” and the other dining and wining stuff.

Aaron Broverman says:

Hi Adrian,
Not all Visa Infinite cards have the same benefits, but they do have benefits in common. Most notably, the Visa concierge service, the luxury hotel collection and the wine and dine benefits. If your card is aVisa Infinite card, you should be entitled to these benefits.

Suzana says:

Is there any benefit to each spouse having their own TD Aeroplan Visa Infinite Cards or is it just as good to have a primary and secondary card holder? We are transitioning from the previous cards and were told we do not qualify for the sign up bonus( obviously) nor the waived 1 year fee. Thoughts?

Aaron Broverman says:

Hi Suzana,
The new Aeroplan program allows family sharing so whether you have your own credit card or are primary and secondary cardholder on one credit card doesn’t matter from a points perspective. With family sharing, up to eight people can contribute points into a single Aeroplan account so you and your husband can have a cumulative balance even if you have two different credit cards. From a practical and spending perspective, I’m not a big fan about sharing a credit card because of the way the other person’s spending may affect the primary cardholder’s credit. Obviously, if your spending habits are similar, not harm done, so it’s up to you. But mainly, sharing a credit card isn’t necessary for two people to collect tons of points separately and then share them.

Peter says:

Do I still keep the aeroplan points if I decide to cancel or downgrade aeroplan visa later on?

Aaron Broverman says:

Hi Peter,
Yes, your Aeroplan account is separate from the credit card that helps you earn them, so once they are earned, they stay in your account regardless of what you do with the original credit card that got you them.

Michael says:

Looking at points, I can get $1200 worth of Fairmont Hotel Gift cards for approx 120,000 points (which I get from spending approx $60,000 on my MBNA World Elite Rewards Card. With my TD Aeroplan Visa Infinite card I can get $1200 worth of Fairmont Hotel Gift cards for approx 168,000 points (which I get from spending approx $160,000 points. In both cases I exclude the extra points for food, gas excetera. To me the best points card hands down is the MBNA World Elite Rewards Card.

Aaron Broverman says:

Hi Mike,
Thanks for the recommendation and that’s a lot of gift cards

Frank says:

Hi. Aaron,

If after 1 year you cancel your TD Visa Aeroplan card can you transfer your points to your Aeroplan card.

Frank

Aaron Broverman says:

Thanks for the info Frank, I’ll keep that in mind.

Frank says:

The CIBC Aeroplan card looks identical to to TD Aeroplan card. Nobody ever mentions it. Any comments.

Aaron Broverman says:

Hi Frank,
I would say they have some of the same features (The 10,000 Aeroplan point sign up bonus, most notably) but they are not identical. I would say the TD card is slightly better given that you get 1.5 points on gas and groceries, as opposed to just one on the CIBC card. However, the CIBC card has no annual fee and the TD one is $139, so huge difference there. Anyway, like I said, not identical, but similar. I actually think there’s only so much the Aeroplan program can give as perks, which is why some benefits are the same across Aeroplan cards.

Frank says:

Hi Aaron,
CIBC has a $139 fee and 1.5 points on gas and groceries also. They have a premium and a no fee Aeroplan card.

Aaron Broverman says:

Yeah, most credit card issuers have those credit card categories, TD and CIBC aren’t unique in that. I’m not a fan really of CIBC’s relatively new no fee option since the earn rate is literally one point per dollar and $1.50, which will mean it takes an excruciatingly long time to collect points past the 10,000 sign up bonus. As for the premium option, sure, I guess. If you can afford the $599 annual fee.

Aaron Broverman says:

Hi Corey,
Yes, you can transfer Aeroplan points to family members. Aeroplan has this new thing called Family Sharing where you can add up to 8 people and they don’t all have to be family to your account. These people will be able to redeem your aeroplan miles as a pooled balance, which also includes their points too. As the lead cardholder, people in your pool will also receive any card benefits you have, such as Aeroplan Elite Status if you have it. I would go to the Aeroplan website, start family sharing and add your daughter to your family share plan. This way you both can use the collective points. Once in a family sharing group, you can’t leave it for three months and you can’t join a new one for six months. Once in the group, your points are splint evenly based on the amount of points you have in the group, which means when they are redeemed they will be taken based on the percentage of the total number of points each individual contributes to the pot at the time of redemption.

Corey Fitts says:

Hello, I have this card for over 2 years and now I’m trying to apply for a new card for my daughter, but wondering if there’s any possibility that I may share a few of my Aeroplan points with her? If yes, how do i go about this?

Kevin says:

I am considering canceling my TD Visa Infinite Aeroplan card because I am not interested in paying the $ 139 yearly fee ( effective in Nov. 2020 the yearly fee will be $ 139. ). Here’s my question – if I cancel my card, will that affect the Aeroplan points that I have accumulated from this card ? I do have a ton of points and so I want to make sure those are protected ( that I will not lose them ) if I cancel this card.

Aaron Broverman says:

Hi Kevin,
That’s a great question. The answer is no. Your Aeroplan points are associated with your Aeroplan account, not the co-branded credit card you are considering canceling, so you will have to cancel your Aeroplan account in in order to lose your points and just canceling your credit card will have no affect on your points.

Corey Lisa Fitts says:

I’m outside Canada, can I still go ahead and apply for the card? Also applying for my daughter actually. I have mine and its over 3 years now already

Aaron Broverman says:

Hi Corey,
You can apply for this card for you and your daughter as long as you and your daughter are Canadian residents and your daughter is over the age of majority in the province where she lives. You may also want to know that her credit score, and yours too if you want this card, should be in the good to excellent range, which is 700-850 +

Stan Penner says:

My one year anniversary for my TD Aeroplan Visa Infinte card is now complete and I have billed and paid the renewal fee. I would like to cancel the card but have not yet received the Greedyrates 5000 Aeroplan anniversary bonus. Do I have to contact Aeroplan about this or is it automatic? If automatic when can I expect the bonus miles?

Aaron Broverman says:

If you haven’t received it yet, I would contact Aeroplan. Even if it would typically be automatic, with the pandemic, loyalty programs are in flux so I would make them aware you’re still waiting for the bonus.

JHV says:

Stan, can you reply on here what TD or Aeroplan says? I have the same issue and TD and Aeroplan say they have no record of the 5,000 at the one year mark.

Stan Penner says:

I called Aeroplan and they told me all reward miles are authorized by TD and they have not received anything on the 5000 mile bonus yet, nor do they know anything about it. They transferred me to TD. Person at TD said there a note on my file concerning the additional 5000 mile bonus but it usually takes 6 to 8 weeks for it to be processed through my account. I should see the 5000 miles on my next TD statement on July 22. I will wait and advise. I did have quite a problem purchasing the TD credit card and actually ended up receiving 2 credit cards. TD was able to determine which credit card was purchased through Greedyrates and I cancelled the other one. If you scroll down this chain to May 31 and my name you can read all about it. Hope it works out for you.

JHV says:

Thanks for the reply Stan. I called both Aeroplan and TD now twice and the answer is they will not honour this promotion. So I am going to wait until the July statement as well and see if something in the system goes through. If not I will cancel. I will never again get a card that I have to wait for an anniversary date (which means annual fee) to get a bonus amount. Let us know if you get yours on your next statement. Good luck 🙂

JHV says:

Hey Stan, did you have luck on your July 22nd statement? That happened to be my statement date too and nothing. I will see if anything on the August 22nd one and if not I will be cancelling.

JHV says:

Hello, I applied for this card, through your link, on June 2, 2019 when the promotion was Bonus 15,000 aeroplan miles on first purchase + 15,000 aeroplan miles after spending $1000 and 5,000 aeroplan miles on anniversary
The anniversary has just passed and TD is saying that they have no record of me being eligible for the 5k bonus. What is my recourse?

Aaron Broverman says:

Hi JHV,

There’s not much you can do unless you have an e-mail confirming your application which shows the offer during the period you applied or if you took a screenshot of the offer on the day you applied. You have to somehow be able to prove that you applied for the credit card while the promotion was still valid. If you don’t have evidence, there’s not much you can do, but if you do have evidence, you can send it in to the credit card issuer and get the oversight corrected.

JHV says:

This was your exclusive promotion, are you able to see my application that I went through your portal? Seems like there is another user (above that is listing the same issue).

B.Krucko says:

Worst card.If card is lost in mail you will wait up to 3 months to redeem points.Make promises they don’t keep.Flights have excessive taxes .Try another card

Vincent says:

Declined!

Barbara says:

I applied and got approved for the TD Aeroplan Infinite Visa yesterday. I have, of course, not received it yet. A few questions:

1) I plan to use it to book a trip to Europe. I understand the medical travel insurance is for trips up to 21 days. My trip will be 32 days. How do I top this up to have my coverage continue from day 21 through 32?

2) You responded in another post that to be eligible for trip cancellation insurance, the entire trip needs to be booked on the Infinite card. I will have my flight and hotels on there. However, I have paid a $350 deposit through my current MasterCard for a 15-day tour that I will be taking. I plan on paying the balance with my new Infinite card. Does having the deposit paid with a different card void my travel insurance for that component of my trip?

3) When redeeming flights using Aeroplan points (hopefully in a year or so), does Aeroplan send you on really convoluted routes like Air Miles does?

Nate Siegel says:

Hey Barbara,

Thanks for your questions! We’re ready and willing to help, and can address them one by one, starting with how to extend your emergency medical coverage. To extend your coverage simply call TD and there will be an option to speak to an agent about your TD Aeroplan Visa Infinite card. From there, they can connect you directly to their insurance department for the card (TD is its own insurer in this case) who will get the details of your trip and help you buy the required amount of days to ensure your entire trip is covered.

As far as how much of the trip you need to purchase with the card, remember that only expenses you used the TD Aeroplan Visa Infinite to pay are capable of being covered. This includes nonrefundable deposits, so if your deposit was lost and paid for with another card then the TD card’s trip cancellation or interruption insurance won’t cover it. Finally, Air Miles are redeemable for any airline in the Star Alliance program, so you should have a very healthy variety of flight paths and destinations to choose from. Thanks again for posting.

GreedyRates Staff

Vincent says:

Hi, I had this card and I cancelled it about 2-3 years ago. If I apply again, can I still get the perks, ie Aeroplan points and free first year? Thanks

Nate Siegel says:

Hey Vincent,

Great comment. Essentially, you’re asking if the TD Visa Aeroplan Infinite card is somewhat “churnable” on a medium-length timeframe of a few years, and indeed it is. We went through the fine print carefully to determine if there was anything blocking past cardholders, and the only line to be aware of is this: “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 miles awarded to any one person.” That’s essentially the magic phrase used by any bank these days to say, “The buck stops with us, and we can do what we want, like it or not.”

With your last account closed more than 2 years ago, you’re safe to reapply and should be able to grab that big 40,000-Mile bonus as well. Just make sure to fulfill all the conditions attached to the bonus—don’t count on it all coming with no effort! With a triple-layered bonus comes three milestones to cross (spending, activation, adding authorized users), so keep this in mind for when you’re planning your next few months’ expenses. Best of luck!

GreedyRates

Vincent says:

Thanks for the response Nate!
I just got an answer from TD and I got declined! Wow, that’s a first for me. My income is more than what they ask, my credit score is almost 900 and there’s absolutely no reason they would refuse a normal client with my credentials… So I can only think that they refused it based on my previous card which I kept for only one year (closed apr. 2018). So as you say ‘the bucks stops with the TD’

Liwen says:

Hi If I cancel my card before the end of the first year, are they going to freeze all the Bonus Aeroplan points that I got for signing up?

Nate Siegel says:

Hey Liwen,

Great comment. If you’re trying to apply for the TD Aeroplan Visa Infinite card and then cancel it before you have to pay the second year’s annual fee, then this is an entirely effective strategy. However, that’s not the same as churning, because it’s unlikely to then receive the same card again by getting approved after cancelling the previous version. This is all laid out pretty well in the fine print, which defines eligible bonus recipients as those who are “new” cardholders. It also says, “Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account.”

Essentially, that means you’ll get the annual fee rebate 2 months after you sign up before the promotion ending date (December 2019), then 15,000 Miles 8 weeks after your first purchase. The Miles earned during the accelerated rate promotion will likely show up in the account two months or 8 weeks after the 3-month window closes, and then the last 5,000 Miles requires your second authorized user to have activated their card before January 31, 2020. Accordingly, if you do all this you should be able to get your rewards before the first half-year has passed!

GreedyRates

Rupert says:

If you are over 65 what medical insurance coverage do you get with an Aeroplan Platinum card?

Nate Siegel says:

Hey Rupert,

Thanks for the post. If you’re looking at the AeroplanPlus Platinum Amex card, which is essentially the Aeroplan version of the top-tier Amex Platinum card, then you’re right to expect top-tier perks. It looks like there’s no insurance for those over the age of 65, however, but 15 days of consecutive medical coverage for those under 65. If you’re over 65 and want medical coverage then we recommend you look at the Meridian Visa Infinite Travel card, which does offer 15 days of consecutive coverage to those over 65.

It’s also a great all-purpose card as well, with the ability to earn 1.5 points per $1 spent on all purchases, 3 points per $1 spent in foreign currencies (which helps offset foreign transaction fees) and more. We’re also big fans of the Desjardins World Elite Odyssey card, and encourage you check it out as well. Best of luck.

GreedyRates Staff

Susan says:

I got my TD Aeroplan card in August 2019, and started earning points right away and also got the bonus 25,000 points. Why does it say “Keep earning until December 31, 2019” at the bottom of my points earned? Do I lose my points once 2020 hits?

Nate Siegel says:

Hey Susan,

Not to fear. This has to do with these banks and their agreement with Air Canada, which is right now in the process of acquiring Aeroplan. They’ve scheduled for cards to go through some changes as the plan unfolds. Air Canada will supposedly be shutting down Aeroplan and switching over their cards to the new program which will be launched in 2020, so now that December 31st date should make more sense. That said, you are absolutely not losing your Aeroplan miles.

After the new program launches, you’ll be seamlessly transferring into it, and will be able to convert your Aeroplan miles into whatever new type of miles there are. You’ll need to determine whether or not you want to do this. Consider that Aeroplan is costing Air Canada a lot of money for the acquisition, so many have speculated that there could be a devaluation of miles for Aeroplan transfers once the new program hits.

GreedyRates

Nadine says:

This may be a weird question. I have the infinite card and trying to find out how many miles I have. Where do I find my Aeroplan number?

The GreedyRates Team says:

Hey Nadine,

There are no questions too weird to answer here on GreedyRates! Your inquiry isn’t a problem whatsoever: If you’ve lost or can’t remember your Aeroplan member number, then you can log into the Aeroplan site using the credit card number and password attached to your Aeroplan card. You can also call Aeroplan customer service and have them retrieve your number or navigate to the ‘Account Number Recovery’ page to initiate the recovery process yourself. Once you’ve got it (typically they’ll email it back to the address associated with your account) then you can login to see how many Miles you’ve collected and spend them! Have fun.

GreedyRates

Hermina Jacobs-Sanson says:

I need the brochure that describes the travel insurance coverage through the TD VISA Aeroplan card. Would you please send me one. Please contact me for my address. I do not want to post it here publicly.

The GreedyRates Team says:

Hey Hermina,

We agree that you should be hesitant to post any identifying info online, so if you like you can always email us at [email protected]. Otherwise, simply call TD and ask them to resend a pamphlet to you or email you a link to the one that’s available online. They’ll happily comply!

GreedyRates

Bob says:

Just noticed that the TD site indicates your Aeroplan points will not be cancelled as long as you have a TD Aeroplan Card. I guess this means you have to use your points in the first year or you will have to keep renewing the card and pay the annual fee to maintain your points?

The GreedyRates Team says:

Hey Bob,

That’s exactly right. As long as you’re paying for the Aeroplan credit card then you’re essentially also paying to keep your Aeroplan account, and the miles you’ve accrued, active. They therefore won’t expire even if you haven’t spent them for over a year—just make sure to keep your account in good standing.

GreedyRates

Amar says:

Hi ,I have this card last 5 years ,I want to more detail about trip cancellations the flight ticket ,how it will work , please explain me and flight delay.because general I book through online and different flight not with air canada .

The GreedyRates Team says:

Hey Amar,

Great questions all. We’ll go into a little detail about when you can claim trip cancellation and flight delay coverage through the TD Aeroplan Visa Infinite card. For trip cancellation, first know that you must pay the entire cost of the trip using your Visa Infinite card or your Aeroplan Miles. Second, eligibility for coverage is subject to some caveats including pre-existing medical conditions, but also other notions that are described in depth online, but also in the information packet sent to you with your TD card. The same goes for flight delay insurance.

You’ll also need to know that if you encounter a flight delay or cancelled trip, no matter the cause, call TD and report it to them. A prerequisite of coverage eligibility is often that you immediately get in touch to inform the insurer, and even a slight delay can affect your outcome. Most non-preexisting medical conditions, airline mishaps, and other incidents out of your control are eligible, but you won’t know until you report it! Good luck!

GreedyRates

Ursula says:

Can points be transferred to a spouse?

The GreedyRates Team says:

Hi Ursula,

Thanks for the interesting comment. If you’ve got the TD Aeroplan Visa Infinite card, in what context are you trying to transfer points to your spouse? Do they have their own separate primary version of the TD Aeroplan Visa Infinite, for which they also pay an annual fee (not a supplementary card)? Is there a reason why you can’t spend the points yourself and buy your spouse an airline ticket, or another reward? Help fill us in and it will assist us in the inquiry.

Otherwise, the best bet is to call TD and ask about the possibility of moving TD Rewards between accounts. From our limited experience and research into this feat, it seems possible. If anyone will know when it’s allowed for sure, however, then it will be a TD representative. Get in touch and let us know how it works out. Thanks again for coming.

GreedyRates

Stan Penner says:

I tried to apply for the TD Aeroplan Visa Infinite card through your link. After completing and submitting the information I got this error after the system tried tried to process the application.

An error has occurred
Unfortunately, due to an error in our system, we are unable to process your application at this time.
If you would like to continue this application, please call us at 1-800-983-2582 or book an appointment at your nearest branch.

I called the number and completed the requirements over the phone with a TD representative. Once the card was approved he informed he could not provide the extra 5000 mile bonus offered on your website.

Is this still available to me since I thought I was still applying through Greedyrates and continuing the application I had started on-line.

The GreedyRates Team says:

Hey Stan,

Appreciate the thorough inquiry. Since you posted this comment on the 31st of May, then you’re right on the edge of the promotional window, as it ended just a couple days later on June 2nd. This may be the reason for the confusion, for example if the system didn’t process your application in time then it may have thrown up an error like the one you saw. This is unfortunate, because the representatives on the phone are usually unwilling to match or even acknowledge special promotions.

Another potential wrench in the machinery is that you had already started your application previously. These systems regularly work on a bookmarking system in-browser so if the bookmark expires or refreshes, it can mess with the application. Either way, you might still get those 5,000 Miles at the end of your first account anniversary. Sometimes representatives don’t have access to information about exclusive promotions, and so they’re told to avoid these topics of conversation.

Even if the year comes and goes with the bonus staying 30,000 miles instead of 35,000, it’s not such a bad deal. TD offers the card normally with 25,000 Miles as a bonus—check now and you can confirm. That means you still got a better deal than the majority of cardholders.

GreedyRates

Stan Penner says:

Follow-up to above:

Today I received 2 cards, presumably 1 processed online through Greedyrates, and 1 processed by the TD rep over the phone. TD was able to determine which one was the Greedyrates on-line application, so I cancelled the other one. I did not, however receive any documentation related to the 15,000 Aeroplan points after purchasing $1000.00 on the card within 3 months, your bonus 5000 points after 1 year, or the waving of the annual fee for the first year. Since that offer expired on June 2, 2019, is there any documentation the proves it existed?

Thanks,
Stan

Stan Penner says:

My one year anniversary for my TD Aeroplan Visa Infinte card is now complete and I have billed and paid the renewal fee. I would like to cancel the card but have not yet received the Greedyrates 5000 Aeroplan anniversary bonus. Do I have to contact Aeroplan about this or is it automatic? If automatic when can I expect the bonus miles?

Andrew says:

Your greedyrates bonus for the card is the same one as they currently have advertised. I don’t see any exclusive element. Is there a bonus applying through your link?

The GreedyRates Team says:

Hi Andrew,

The GreedyRates exclusive promotion for 35,000 Miles is no longer exclusive since the cutoff date was June 2, and it looks like TD now offers the same standard deal to everyone—not just readers of their favorite blog! We’ll need to confirm with TD, but there’s little arguing with what we also see on their website: 25,000 miles and the annual fee rebate for all eligible cardholders. For now, we still recommend you apply through our link even though the promotion has ended, but we promise to follow up and also to update the article in question. Hopefully you’ll still get a deal you’re satisfied with! Thanks!

GreedyRates

Walter says:

When I apply through your greedyrates link it takes me to a page and asks me to log into my online TD account. There it talks about the 30000 Aeroplan miles and the annual fee rebate but does not mention the 5000 bonus miles after one year. My question is…will I still get the 5000 miles after the first year for applying through your link? Thanks and keep up the good work…

Ken says:

G’Day All
I don’t see any questions or corresponding explanation about one peculiar aspect related to this TD Visa Aeroplan credit card.
Why is your additional 5000 mile Aeroplan bonus not eligible for Quebec residents such as myself ?
Seems discriminatory n’est pas ?
Ken

The GreedyRates Team says:

G’day Ken!

Good observation, and this isn’t the only case when Quebec residents get the short end of the stick. Due to provincial regulations which are stricter in Quebec than in Ontario or Alberta, among others, you’ll have a limited selection of credit cards and the bonuses that come with these cards won’t be as enticing. Take a look at the MBNA True Line card and its Quebecois cousin, for instance. The ROC True Line card offers 0.00% interest on balance transfers for 10 months, while your version charges 1.99%. This is simply the reality of living in Quebec, but it’s not as bad as it seems. You still have many of the same options, and though with the TD Visa Aeroplan you won’t get those 5,000 Aeroplan miles, you’ll still be able to avail of all the card’s other perks.

GreedyRates

Rosie says:

On the aeroplane Visa card do I qualify for travel insurance covered on my card , I am 72

The GreedyRates Team says:

Hey Rosie,

Thanks for the question. It’s important to understand where coverage starts and stops concerning travel insurance provided by a credit card, and especially for seniors. TD’s age where coverage is reduced from the advertised 15 consecutive days is 65, like most credit cards. Once you hit 65, you’ll only be protected for 4 consecutive days with the card’s regular amount of insurance coverage ($1,000,000). That means you’re covered, but for 4 days instead of 15.

This age restriction is applied individually to each eligible covered person on the trip with you, such as spouses and travelling dependents. If a companion age 35, for example, were to need medical insurance abroad on day 9 of the trip then he or she would be able to make a claim. TO extend your insurance so that you can claim coverage past day 4 (should you need it), you can easily call TD and have them charge your account for an insurance extension on the trip. Hope that helps—have a nice time.

GreedyRates

Patrick Begin says:

Hi,
“…the Miles are associated with a separate third-party rewards account held by Air Canada, so even if your card doesn’t exist anymore, you’ll still have your Miles available…”
How does the Aeroplan account works with the card… I already have an Aeroplan account. If I ask for the TD Aeroplan Visa Infinite card, will I a get a second Aeroplan account? Can I submit my current Aeroplan account when opening the TD Aeroplan Visa Infinite card? Would I be able to merge those two Aeroplan account if it is the case?
Thanks.

The GreedyRates Team says:

Hey Patrick,

Great question. The two accounts are separate because the card earns Miles to Air Canada’s Aeroplan rewards program—it’s not internal to the bank, so it instead prompts its partner brand (Aeroplan) to open a new account associated with the card. If you already have an Air Canada Aeroplan account and were given a brand new one with your latest card, then it’s easy to switch it to point at a new account, so that when the card earns Miles they’ll go to where your existing saved Miles already are. There’s even a place on each card application where you can put your Aeroplan membership number to prevent you needing to switch it over manually. This is something to keep in mind for future Aeroplan cards, but also if you’re planning on getting a card for your spouse or relative.

For help with your account, swapping or merging Aeroplan accounts and consolidating your miles, you should call their customer support phone line. They’ll deliver a solution in no time. Best of luck!

GreedyRates

Chen says:

Hello,

I applied for the card a week ago directly through TD’s website. I received the card today but it’s not activated yet. Before applying for the card I did check the bonus point offering from different websites to see if there are any differences. They were all 30000 IIRC so I applied through TD.

Just today I noticed the extra 5000 points if I apply through the link above, not sure if it’s new…. Anyway, I wanted to find out if there are possibilities that I can still qualify for the 5000 bonus, so I followed the Apply link above. The fine print on the landing page says:

To receive the one-time 5,000 Anniversary Bonus miles (“Anniversary Bonus”), you must (a) apply for a TD Aeroplan Visa Infinite Card Account (“Account”) between April 1 and June 2, 2019 and (b) keep your Account open, active and in good standing for twelve (12) consecutive months after Account approval (“Anniversary Date”).

So it doesn’t mention that the application must be originated from a specific website or link. Will I receive the 5000 bonus points? If not, will cancel re-applying the card give me all of the bonus, since my card is not yet activated?

Thank you very much.

The GreedyRates Team says:

Hey Chen,

We understand that you might have “applicant’s remorse” now that the bonus for TD’s Aeroplan Visa Infinite card has been boosted, but you probably won’t be able to get a retroactive upgrade from 30,000 to 35,000 Miles. The only two criteria required to get the 35,000 Miles are to apply between the dates of April 1st and June 2nd 2019, and through a GreedyRates link because it’s our exclusive promotion. From your comment it seems like you didn’t do either.

If we had to give our safest guess, that would mean you won’t receive those extra 5,000 Miles on your first account anniversary. It also doesn’t matter that there is no mention of the need to apply through special links (ours), because the landing page where that’s written only originates from our site anyway. When we say GreedyRates exclusive, we mean it. That said, we don’t think it’ll be worthwhile to cancel your new card and reapply just for 5,000 Miles, for a couple reasons.

Cancellation will impact your credit a bit, and you’ll need to have not opened an account within the last 6 months to be eligible for the bonus itself. This is TD’s rule, which you’ll find in the fine print. Another potential bonus for you is that you won’t need to keep the card for a full year just to get those extra Miles. There’s no pressure to keep it open and no need to pay the second year’s annual fee just for the bonus. All in all, the bonus is mostly a benefit to those who already love the card and plan on holding it for a while. Best of luck!

GreedyRates Staff

Francis says:

Will I receive the 5,000 bonus on the first year anniversary if I cancel my TD Aeroplan card at that time or do I have to renew the card at a yearly fee of $120 before I receive this 5,000 bonus?

The GreedyRates Team says:

Hey Francis,

Here’s what TD’s fine print says about the annual fee and when you’ll pay it: “[T]his fee will be charged to [your] Account after the first anniversary date of [your] Account opening and each anniversary thereafter.” To us, this means that you’ll be awarded the 5,000 bonus Miles at the same time the fee is applied, which seems deliberate. TD is of course trying to win your membership for another year and is incentivizing you with those extra Miles.

You’ll have to ask yourself if the 5,000 Miles is worth another year of membership, which also entails pondering how much value you got from it the previous year or stand to get this upcoming year. Though some cards offer a grace period that’ll help you avoid the annual fee (even if you forget to cancel before it’s applied), TD doesn’t allow this and especially not because the bonus is intentionally contingent on the fee.

GreedyRates

Ryan says:

I already have the TD Aeroplan Visa Infinite card (from a year ago). They agreed to waive my fee for the year.
I just read about this offer. Am I still able to sign up for the new card and get the bonus while having the original card?

The GreedyRates Team says:

Hi Ryan,

Good to hear from you, and nice job picking up the awesome TD Aeroplan Visa Infinite card! It’s one of the top tier travel cards in Canada, so it’s no wonder you want to go back for more now that the new bonus is live. With 30,000 miles (plus the annual fee rebate which you already got), you’ll be that much closer to a cheaper flight because these points are valued at around $300. That said, we think you’ve got a good shot at getting the full 30,000 miles, but it depends on whether or not you’re eligible given what the fine print says.

The 30,000-mile bonus is split into two 15,000-mile pieces (one for an initial purchase, and one for spending $1,000 within 3 months) and you’re able to earn both even if you’ve had the card before, just not within the last 6 months. You’ve had it for a year already, so according to this line you’re still eligible: “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.” You’re also eligible for the fee rebate, so if TD awarded the rebate retroactively on your year-old card, you’ll get it again on your new card.

Do keep in mind that you can’t share a credit limit among two of these cards, and this is why TD will let you get multiple cards, because you need to borrow more from them. If you’re responsible enough, stacking them can be beneficial however.

GreedyRates

Chad Fraser says:

I’ve flown with Air Canada enough to reach 50K Altitude status six years in a row. For frequent flyers, lounge access is already free and TD’s lousy lounge disadvantage is easily overlooked. I already worked how much Aeroplan value I’d receive by switching just my flight expenses away from my current non-aeroplan card to the TD or CIBC aeroplan visa.

I want to get the CIBC Aeroplan Visa Infinite for a few reasons but CIBC over the phone has refused to match TD’s current excellent sign up bonus offer, which leaves me with the inclination to just apply for both, take the points,
assess which is best over the next 9 months and eventually cancel one of the two.

What is Greedy Rates assessment of TD’s card cancelation policy? I didn’t see any information regarding this and I believe adding such info to all your reviews will help customers make better informed decisions.

It’s also my understanding that CIBC has better customer service for claims made relating to their card insurance policy. Seeing a credit card customer service rating or poll on the Greedy Rates web site would also be very helpful and informative tool.

If I were to cancel the TD Aeroplan Visa within 1 year would I be discredited 0, 15,000 or 30,000 Areoplan points?

In June 2020 when AirCanada launches their new Amex-Aeroplan product I expect we’ll all need to switch cards again anyway.

The GreedyRates Team says:

Hey Chad,

We understand you want the most comprehensive details possible but sorting through subjective and circumstantial data on some services, such as the level of support available for insurance claims (which also relies on the issuers’ various insurers) is extremely difficult. We’ve weighed the possibility of delving deeper into this type of comparison or rating, since the ability to claim coverage is vital, but the complicated nature of the problem and the many variables involved means it would be hard for any single cardholder to rely on the information we provide.

That said, your strategy to compare the two cards is sound, and TD has a favorable bonus schedule and cancellation policy that complements your plans. For example, if you haven’t opened an account within the last 6 months, you apply before June 2, 2019 and manage to spend $1,000 in the first 90 days, you’ll have fulfilled all the criteria necessary to receive the full 30,000 points plus annual rebate. 15,000 points is awarded after your first purchase, another 15,000 within 8 weeks of meeting the spending goal, and then the annual fee rebate within 2 monthly statements of your account opening. This means that if all goes well, it shouldn’t be more than 5 months maximum after opening your account that you have all your miles and the rebate and can then cancel and keep it all.

Remember that when you’re not earning rewards points (like TD Rewards), and collect Miles instead, the Miles are associated with a separate third-party rewards account held by Air Canada, so even if your card doesn’t exist anymore, you’ll still have your Miles available.

GreedyRates

Ap says:

Hello,
Got this card 2 months ago with no bonus and no rebate. Called today to inquire and they advised to cancel and reapply to get the perks because i have no balance. I asked if i could do that right away and they said yes. Now i read that there’s a 6 month period they never mentioned. Advice?

The GreedyRates Team says:

Hi Ap,

Great comment, thanks for coming to GreedyRates. It’s always unfortunate to apply for and receive a credit card right before the issuer introduces a lucrative new bonus for the card, and it can feel like you’ve been taken advantage of. However, as you’ve found out it’s pretty simple to get in touch with the issuer and get ahold of the bonus anyway, but instead of offering it to you retroactively they’ve told you to reapply. Make no mistake, this is poor advice (as you’re realized).

In the fine print for the card, we see that applicants who have opened an account within the last 6 months will be eligible for the card but not for the special bonus. If you were to take their advice and reapply, they’ll see that you’ve had an account recently and for that reason will approve you for the card, but you’d once again end up with no bonus or annual fee rebate. Another reason not to do this is because cancelling a credit card does impact your credit temporarily—not a serious detriment but something to be aware of.

If you already reapplied with the help of an agent over the phone, then they may have made a note in the system to ignore your prior card and to grant you the bonus, but we have no idea. If you made it clear to the agent that you’re reapplying just to receive the bonus and were disappointed that your previous month’s approval didn’t come with it, then maybe he or she pushed it through as an exception. Sometimes they have the power to override the system like this. We hope so!

GreedyRates

Kit says:

When will the annual membership rebate?

The GreedyRates Team says:

Hi Kit!

Thanks for reading GreedyRates and coming to get help with your question. If you’re interested in the TD Aeroplan Visa Infinite card but are worried about being charged the annual fee and then waiting 6+ months for the rebate, we have good news. The rebate usually lands in your month as a cash credit during the second statement period (month) after receiving the card. We’re not sure why TD chooses to do it like this, but you will have to deal with the $120 fee being on your balance for at least one month before seeing the rebate. Also, be aware that you aren’t eligible for the introductory bonuses (including the annual fee rebate) unless you’re approved before June 2, 2019. Best of luck!

GreedyRates

Cathy says:

Can I apply now if I had one before? How long do I have to wait since the last one?
Thanks.

The GreedyRates Team says:

Hey Cathy,

Thanks for the question. We looked at the fine print for the TD Aeroplan Visa Infinite card and can confirm that you can apply for the card even if you’ve had it before, but there’s a 6-month restriction on the introductory bonus. If you’ve opened an account in the last 6 months you will not be eligible for the 15,000-Mile bonus but can still get the card. To us this means that you’re able to effectively churn these cards by applying for them every 6 months, and you’ll still be eligible for approval and the bonus as well. However, TD “reserve(s) the right to limit the number of Accounts opened by, and the number of miles awarded to, any one person”, so unless you have excellent credit, income, and collateral it’s unlikely that this strategy will work. Best of luck!

GreedyRates

Kim says:

When I claimed the offer, it didn’t show bonus 30,000 miles.

The GreedyRates Team says:

Hey Kim,

Thanks for your question. We know that it’s confusing when banks don’t update their page and only show the default card deal, but we can assure you that the special deal we have going with TD still stands. You’ll get 30,000 miles when you’re approved for the TD Aeroplan Visa Infinite card, once you make an initial purchase (+15,000 miles) and when you spend $1,000 in the first three months (+15,000). You’ll also get a rebate on the annual fee of $120. As long as you apply through our links, you’ll get the promotion if the bank approves you and you applied before June 2, 2019. Best of luck!

*Updated to add that we spoke to TD about the issue. Clicking our application link should now lead to a page displaying the offer of 30,000 Aeroplan Miles. Thanks for your patience!

GreedyRates

Cindy says:

Hi there and thanks for the updates. When I click the link above ‘claim this offer’ it leads to the TD page that advertises 15k points for signup. I don’t see the 30k mentioned. Is this offer valid now?
Thanks:)
Cindy

The GreedyRates Team says:

Hey Cindy,

Thanks for your inquiry about the TD Aeroplan Visa Infinite card. We understand that the card’s generous bonus of 30,000 miles (15,000 for making an initial purchase and then 15,000 for spending $1,000 in your first 3 months) is a primary reason for applying, and that it’s confusing to see different information on TD’s page. We assure you that the promotion is still active, at least until June 2, 2019, so as long as you’re applying through our link initially (even if it brings you to a default TD page) you’ll be eligible to receive the promotion.

*Updated to add that we spoke to TD about the issue. Clicking our application link should now lead to a page displaying the offer of 30,000 Aeroplan Miles. Thanks for your patience!

GreedyRates

Angela says:

Hi GreedyRates, I applied for this card via your link last year, thanks! fyi, your Apply link above has a 404 Error and message “The page you were searching for has taken off for a while”

GreedyRates says:

Hey Angela! Thanks for your appreciation. To address your concerns with the $3,000 spending requirement, if you anticipate that you can’t responsibly spend this amount in the timeframe allotted, then don’t apply for the card. While $1,000 per month doesn’t seem like huge threshold, you’re correct in that some people might get overly ambitious and then end up with a balance they can’t pay off, just for 35,000 welcome points.

We advise that you sit down and do a little calculation to see how much you anticipate you’ll spend per month naturally. If it meets the spending requirements, we do recommend the BMO World Elite Mastercard. If not, we don’t recommend spending more money than you naturally would just to get the card bonus.

Good luck, and let us know if you need any further help deciding!

GreedyRates Staff

Mary says:

I have a question about the free bag allowance when I book aeroplan ticket with my TD Visa Infinite.

My husband and I both have TD Infinite cards and Aeroplan. If I book two flights on aeroplan points and pay with my TD Visa…. one would think that BOTH tickets should have one free bag. This is NOT the case which I think is ludicress. Each flight booked by my aeroplan points and using my TD Infinite Visa should get one free bag for each flight.

To get the free bag my husband and I both must book our tickets individually which is very inconvenient and then we have to do some fancy maneuvering to get seats together!

Why can’t this be fixed?

Txs!

GreedyRates says:

Hi Mary, thanks for your insightful comments. We’re aware, and also a bit disappointed, with this somewhat strict rule regarding free baggage and the TD Visa Infinite card. Basically, the benefit only applies to the primary cardholder’s ticket, as you mentioned, and so the only workaround is to get two of the cards and then coordinate ticket purchases. This could get tricky, as seats go quickly and if you’re using the same internet browser to purchase them, cookies from the airline’s website might change the flight’s details.

While this is a bit inconvenient, there are other cards that help every passenger save on these baggage fees. The WestJet World Elite Mastercard, for instance, helps the primary cardholder and up to 8 travelling companions get free checked bags. We’re sorry that you found your current card inconvenient, but sometimes it takes a little effort to get around airline restrictions. Thanks again for sharing.

GreedyRates Staff

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Jasmine says:

I didn’t get that 10k bonus points after first 3months. When I applied the visa, the offer was available in greedyrate.ca already, I even confirmed the benefit that my card comes with when I activated my card . So I called customer service to figure out why, and the customer representative told me that I aaplied the card a little bit earlier before the promotion started, the website was mileading

GreedyRates says:

Hi Jasmine! Thanks for your questions and concerns.

We’re sorry you had a misleading experience with our article and with customer service, but there is still hope. If you’re sure that you applied and were approved for the card while the promotion was still live, then you still may receive your 10,000 points. This does not occur until the first anniversary of your account’s creation however, meaning you still have some time to wait before receiving your reward.

The customer service agent may be correct, in that you missed the promotion window, but we cannot determine that from our side. It could also be that this is simply a boilerplate answer for all inquiries of this nature, but we won’t know until the end of your yearly billing cycle. Let us know how the situation progresses – and thanks again for following up.

GreedyRates Staff

Amy says:

I book reward ticket with my Aeroplan card associated with my TD Aeroplan Infinite Visa. For the free bag, I always need to do it manually at the airport as the online check in never allow that. Do I miss something? Or, this is a normal process? It’s frustrated that I cannot use self-service way to get the free bag. Please help me! Thanks!

GreedyRates says:

Hey Amy! Thanks for your questions.

We’re sorry to hear that you are having trouble with the way that TD requires its customers to redeem their bonuses.

Regarding the free bag perk, the bank and Air Canada like the representatives at the airline counter to check the particulars on-site to ensure that everything is in order. They want to be positive that the customer presents an ID that matches the Aeroplan card, that the Aeroplan account number is on the reservation and that Aeroplan miles were used with the flight. These are all conditions for receiving the free checked bag. It works the same way with the Maple Leaf Lounge access, and is simply an extra security measure. While it is not the most convenient method, it’s a reality that we must work with and still represents a great value.

We hope that helps,

GreedyRates Staff

Heather says:

Hi, I’ve been a TD Aeroplan Visa Infinite Cardholder for ages, too bad I’m not eligible for any sign up bonus! I’ve been thinking of switching cards, however, so I stumbled upon this page while I was looking for reviews on travel cards.

You mention a lot of perks above that I have never gotten as a cardholder with them, I am wondering why not? Do you need to book your flights using a specific process?

Specifically, I’m talking about:
1) Free checked bag when travelling on an Aeroplan flight rewards operated by Air Canada – I have booked many flights on Air Canada using my points and never gotten a free checked bag unless I get an upgraded flight (which costs more points)
2) Priority Check-in when travelling on an Aeroplan flight reward operated by Air Canada – I have booked many flights on Air Canada using my points and never gotten priority check-in
3) Priority Boarding when travelling on an Aeroplan flight reward operated by Air Canada – I have booked many flights on Air Canada using my points and never gotten priority boarding
4) Annual Air Canada Maple Leaf Lounge One-Time Guest Pass when travelling on an Aeroplan flight operated by Air Canada – I have booked many flights on Air Canada using my points and never gotten access to the Maple Leave Lounge
6) Comprehensive travel insurances including travel medical, trip cancellation & interruption, auto rental collision & loss, purchase security and extended warranty – this only comes with additional fees

Could you help me understand why I do not get these bonuses when I book? Or is it just that you didn’t mention that to get these perks you have to spend more points or cash on fees?

Thanks

GreedyRates says:

Hi Heather, thanks for your questions.

The benefits brought by the TD Aeroplan Visa Infinite truly are excellent, and we’re sorry that you’re having trouble redeeming some of them. Indeed, there are some specific conditions that must be fulfilled in order to get the bonuses that you mention in your comment. For instance, to get a free checked bag, priority check-in and priority boarding, you must have booked the flight with your TD Aeroplan card. However, you must have also used your Aeroplan rewards on the flight, and it must be with Air Canada and no other airlines. This may seem somewhat restrictive, and some people often miss out on the bonuses because they did everything but use their Aeroplan points on the purchase.

Additionally, it may be important to know that in order to get your free checked bag, you must remember to present your TD Infinite card and ID to the Air Canada agent at the booking counter. For access to the Maple Leaf Lounge, this applies as well.

Regarding the travel medical, trip cancellation and interruption and other protections extended to the cardholder from TD, you also must have paid for the relevant purchases with the TD Visa Infinite card to be eligible. Sometimes these things are easy to overlook, and if you still harbor doubts we think talking to customer service might help. Thanks!

GreedyRates Staff

Shane says:

Hi there,

I have applied for this TD card through your website and have received it already. But the attached documents did not mention that 15,000 miles with my first purchase and 10,000 miles when I keep your Account open, active and in good standing for 90 days. In addition, I have been asked to pay $120 annual fee in my first statement but it did not say that such fee will be returned later. Is it a normal situation?

GreedyRates says:

Hey Shane!

Thanks a lot for your great questions. We highly appreciate that you used GreedyRates to apply for your new TD Aeroplan Infinite Visa, and congratulations on receiving it!

To address your concerns that the Aeroplan bonus miles program is not mentioned in the documents you received from TD, this is because the 15,000, 10,000 and 5,000 mile rewards you will receive are a special affiliate offer that is available through our site. The fact that this information is missing from the official documents is nothing to fear – TD saw that your application went through our referral number and your account is associated with the special bonus.

You will receive your 15,000 Aeroplan miles within 6-8 weeks of your first purchase, 10,000 Aeroplan miles on the year anniversary of activation (given that the first 90 days were in good standing) and 5,000 for adding an authorized user (do this before the promotion ends on May 16th!).

Regarding the annual fee, it’s normal for cardholders to be automatically debited the $120 though there isn’t supposed to be one. TD’s system will credit you the same amount within 1-2 billing cycles. We are confident you will receive all bonuses outlined on our site in due time. It just requires a bit of patience.

Thanks for reading GreedyRates!

Rey says:

Can you collect aeroplan miles on balance transfers to my Td aeroplan infinite card? Thanks

GreedyRates says:

Hey Rey! Good question, and believe it or not, this isn’t the first time we’ve seen it.

Some things are only included in the fine print, including the answer to your inquiry about collecting Aeroplan miles on a balance transfer. Unfortunately, this is not allowed. TD states that balance transfers, cash advances, rebates, refunds, service charges and other fees that come from standard use are not eligible to earn Aeroplan miles. We apologize for any confusion.

GreedyRates Staff

Mard says:

Hi, do I still get all the bonuses if I apply for a new card, although I have this card before and have cancelled it a few months ago?

GreedyRates says:

Hey Mard,

Awesome question, and we have some good news for you. Under your circumstances it seems like you will be eligible for the bonus again. TD states in the fine print that approved applicants will receive the card but not the bonus miles if they have opened an account with TD within the last 6 months. This means that even if you are a current cardholder, but the account is 7+ months old, you can get the same card again and the bonus twice.

You said that you had recently cancelled your account, which has no bearing on your entitlement to the bonus. Additionally, it is not a requirement that applicants be completely new to the card, making it possible for those who have had it before to get the bonus twice. This includes you.

Before applying however, we recommend doing some due diligence with TD’s customer support, because everyone’s situation is unique, and even TD states that they reserve the right to deny multiple cards or excess Aeroplan miles to customers on a case-by-case basis.

Hope that helps,

GreedyRates Staff

Steve says:

I’ve applied and activated my TD Aeroplan Infinite card, but how long does it take for the 15000 points to get deposited into my aeroplan account? I have made a purchase but still have not seen the points deposited. Thanks!

GreedyRates says:

Hey Steve!

Good question – we’ve had a lot of our readers ask something similar. From what we’ve experienced ourselves and from what other readers have told us, cardholders sometimes wait up to 8 week after the first purchase to see their Aeroplan account credited with the bonus, so a little patience might be necessary. However, we’re confident that the miles will soon arrive without issue.

Be sure to add an authorized user before May 16th and keep the card in good standing too, and more miles will be heading your way. Best of luck!

GreedyRates Staff

Kathleen Maddams says:

I received my Infinite card last month and was billed the $120 annual fee. When I called Visa to discuss this I was told,that I had to pay it,and then they would refund it in 1-2 months. Nowhere in the terms and conditions does I tell you this. I find this very misleading. If they tell you up front you can make your decision accordingly. Also, I didn’t get my pass for the Map,e Leaf lounges. I had this card before and I got the pass with my welcome package. Also, I’m quite sure they credited me the fee on the same statement so that I didn’t need to pay anything

GreedyRates says:

Hi Kathleen, thank you for commenting on this.

We appreciate your concerns, and others do as well. In fact, many have voiced that TD’s rebate plan is not as clear as it could be. The banks operate as they may, and at the end of the day their statement that cardholders will not pay the $120 annual fee is correct. It just occurs as a $120 account credit after initially paying the same amount. We are also not sure how TD exempted customers from the fee in the past, but are sorry you feel you were misled.

Regarding the Maple Leaf lounge access, cardholders receive a one-time guest pass to the Air Canada Maple Leaf Lounge every calendar year. You can access this benefit simply by presenting your TD Aeroplan Infinite card and a boarding pass set for the same day at the entrance to the lounge. It only takes 2 weeks after a card’s activation for this to be available. It is also important to note that the cardholder must have used their Aeroplan miles on this flight for lounge access. For more details, we recommend that you give TD’s customer service line a ring and they will be glad to answer any specifics you have.

We hope that helps,

GreedyRates Staff

Vanessa says:

Hi GreedyRates,

Do you have to sign up an authorized user immediately to get the 5,000 bonus points or do you have a window where you can do it after?

Thank you!

GreedyRates says:

Hey Vanessa, thanks for your excellent question!

The 5,000 mile bonus for adding an authorized user is something that is not addressed enough, so we appreciate your calling attention to it.
The answer is twofold: the first part being that ideally, adding an authorized user is done when filling out the application for the card and going through the approval process. Because the bank must approve a second authorized user (other than yourself of course), it’s nice to be able to handle it all at once. This is the best way to go about it because there is indeed a window during which the bonus is active, and it lasts until the promotion ends. Cardholders that did not add an authorized user before the conclusion of the promotion did not receive their 5,000 bonus miles.

However, we have good news for you: we just secured an extension for this promotion until May 16th, 2017. As of today, you have 5 full days to call TD, add your second user and get your bonus miles – so act quickly. Good luck!

GreedyRates Staff

Richard says:

I am still unclear on when my Aeroplan points will be credited.
I just took advantage of this offer and am awaiting my Aeroplan points.
I made my first purchase March 24th 2017.
What date will I receive the 15000 Aeroplan points?

GreedyRates says:

Hi Richard, thanks for your question, and we’re very sorry that we didn’t make our previous answer clear enough.

How it works is like this: TD says that the 15,000 Aeroplan miles earned from the first purchase you make with the card are credited to the corresponding Aeroplan account immediately. However, in our experience with our own readers and how they have seen the bonus work in practice, the miles typically arrive to the relevant Aeroplan account anywhere from 1 to 8 weeks after the first purchase.

You should be seeing the miles credited to your account very soon, and around May 24th at the latest. If at the end of May you haven’t yet received them, we recommend calling customer support and asking about it. Good luck!

GreedyRates Staff

Walter says:

If I already have a TD Infinite Visa can I apply for another and get this offer? If not how long do I have to be without this card to take advantage of this great offer?

Keep up the fantastic work

GreedyRates says:

Hi Walter!

Thanks for your questions. To be eligible for the bonus offer that comes with a new TD Infinite Visa account, you cannot have opened an account at TD within the last 6 months. Otherwise, they will still likely approve you for the card but will not reward you the bonus miles.

If you’ve had your current TD card for longer than 6 months you may be eligible for the bonus again when you open another account, but we’ll let you interpret their official stance on the matter: “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.” The bottom line is, we think you’ll get the bonus offer without much trouble, but recommend speaking with customer service to be sure.

Hope that helps,

GreedyRates Staff

Angela says:

Hi GreedyRates, just a quick update, we applied for card a few weeks ago from your affiliate link, got the card and made a purchase on each card about a week ago and already, my hubby’s got the first 15 k intro miles, so am very impressed with Aeroplan speediness!! Just waiting for mine now.

As your previous affiliate offer expired in March 2017 (found from another blog) had the additional 10 k bonus only after a YEAR, does this current bonus affiliate offer expiring May 2017, of 10 k after 90 days, differ … and will post quicker than the 1 year anniversary date?

Seems misleading that offer says after 90 days and nowhere can I see (unless you have fine print of your affilaite offer) that 10 k additional bonus miles after 90 days will not be posted until 1 year anniversary date?

Thanks so much for your help in clarifying for me and your other readers!! So happy to have found GreendyRates!!

GreedyRates says:

Hey Angela,

We’re sorry it took longer than expected to respond to your thoughtful questions and comments. Also, congratulations on getting your first 15,000 bonus miles! It’s great that you and your husband were both able to take advantage of the bonus offer, and we are confident that the other 15,000 are coming your way soon.

Regarding your inquiry about the affiliate bonus schedule and how it works, we are pleased to inform you that we were able to extend the bonus miles offer until May 16th. This does not affect the schedule upon which cardholders receive their bonus miles. No matter when you signed up for the bonus, an account held in good standing for 90 days after the first purchase receives 10,000 miles a year afterwards. We understand that 90 days is not the same as a whole year, and we apologize that it seems misleading.

It’s important to note that even accounts closed after 90 days in good standing still receive the Aeroplan miles, because a cancelled credit card account is separate from an Aeroplan account, which stays open to hold any accrued miles until it is closed with express permission of the owner. So, while you will not receive those extra 10,000 miles immediately after the good standing period, you are not obligated to do much outside of those 90 days.

We hope that helps,

GreedyRates Staff

Sue says:

Hi,

Do I need to open a bank account with TD in order to get this card with all bonuses coming with it?

If yes – can I close it after the first 90 days (because I don’t want to pay the monthly fee for it) and still receive the additional 10,000 points at the 1 year anniversary of the card approval?

Thanks!

GreedyRates says:

Hey Sue! Thanks for your questions.

In order to get the full 30,000 points that this card offers customers, you will have to open an account with TD.

Your other question about how to get the bonus Aeroplan miles without paying monthly fees is a bit trickier. Here’s how the bonus schedule works: After opening your account and receiving your card, the Aeroplan account associated with it will be credited 15,000 points immediately upon the first purchase. This can be a small purchase made the same day as you get the card itself. Then, if you keep the account in good standing for 90 days you are credited 10,000 more Aeroplan points at the end of the yearly billing cycle. 5,000 more points go to you when another authorized user is added to the card. You will get all of these points even if you cancel the card after your first 90 days of responsible use – good news if you want to avoid monthly fees! This is possible because the points added go to your Aeroplan loyalty account, which is different than your TD account.

GreedyRates Staff

Stefan says:

Hi: I have had this credit card twice in the past and was not required that I open an account at TD. I am about to receive my third– never asked to open an account. This just means that you need to pay your bill by some other means than transferring funds from a TD bank account (savings, chequing, etc.). Also, one is NOT required to roll the credit card account over into a second year to receive the 10,000 bonus points; that is slated to occur after the 90-day period mentioned. If the bonus does not show up shortly after the 90-day period, just call them and sort it out, I did. Make sure you have the Greedyrates source code from the offer URL to quote to them. Cheers…

M.S. says:

Hi Greedyrates.ca,

I was looking into getting this card, on the TD website they don’t mention anything about first year annual fee rebate, and they have a $1000 spending limit within 90 days for the 10000 miles. Is this offer different? Is it exclusive to greedyrates? How to I make sure I get this offer?

Thank you,
M.S.

GreedyRates says:

Hi M.S.,

Thanks for writing in! Yes the GreedyRates offer for the TD Aeroplan Infinite card is different than the offer in TD branches or on the TD website. The GreedyRates offer is exclusively available at GreedyRates.ca, has a 100% first year annual fee rebate and there is no minimum spend required to receive the 25,000 bonus miles (15K upon activation, additional 10K open, active and in good standing for 90 days, additional 5k if you add an authorized user).

All you have to do to receive this offer is apply for the TD Aeroplan Infinite card through GreedyRates.ca by clicking on the link for the card or call TD’s credit card call centre directly at 800-983-2582 and ask for the GreedyRates offer for the TD Aeroplan Infinite Visa card with code SB6L9.

Hope that helps!

GreedyRates Staff

Charmaine says:

Hi,
I am wanting to get this visa card. Wondering what the definition of “household income” is. Can I include the income of my two roommates? There are 3 of us living in my house.

GreedyRates says:

Hi Charmaine,

Great question! The funny thing is, there is no agreed upon answer. Given the lack of a definition, we would take the widest interpretation possible that still satisfies a generalized definition for the term “household” i.e. anyone living in the house with you earning an income – parent, child, spouse, partner, friend or roommate.

Hope that helps!

GreedyRates Staff

dodge says:

Hi

I’m over the 90 days (have had my 3rd statement) and wondering when I can expect the 10k bonus points? Is there a number I should call to ask about this?

Dodge

GreedyRates says:

Hey Dodge!

Great question – and congrats on getting your bonus! You can expect your 10,000 points to be added to your account on the 1-year anniversary of your approval for the card, meaning that in 9 months you will see them credited to your rewards account. It might seem like a while to wait, but you’re already a quarter of the way there! Also, just a hint: if you cancel the card after you get the bonus and before the yearly billing cycle, you can avoid the annual fee.

We hope this helps,

GreedyRates Staff

dodge says:

Sorry I wasn’t clear (I didn’t realise the promo had changed) but I applied for this in December so it was the previous promo where the 10k bonus was to be applied after 90 days… still no sign of that 10k, who can I talk to about it?

dodge says:

all good – finally arrived in this month’s statement. thanks

GreedyRates says:

Hey Dodge,

Thanks for your response to our prior answer. We’re happy to clear this up for you! According to TD’s policy, cardholders who keep their account in good standing for 90 days will receive their 10,000 bonus Aeroplan miles no matter what. These miles arrive to your Aeroplan account on the 1-year anniversary of your account creation. Don’t worry – your miles are coming. Even if you cancel the card and close your TD account, because you cleared the “good standing” period, your Aeroplan miles will be credited to your account regardless. Look for them to arrive in another 6 months, and have yourself a discounted holiday vacation!

If our answer is unclear, you can call TD’s customer support line or talk with a representative via live chat on their website.

Hope that helps,

GreedyRates Staff

Kathleen Maddams says:

It does say that you get the additional 10000 miles if you keep your account open for 90 days. Nowhere does it say you have to wait an additional 9 months to actually receive them!

Emeet says:

If I don’t take this current promo offer on this TD Visa card into consideration which card offers better travel value long term between this card and the RBC Avion?

GreedyRates says:

Hi Emeet,

We glad you asked!

If you aren’t sure about the TD Visa card and are looking for a worthy adversary to RBC’s Visa Infinite Avion card, you should definitely consider the American Express Gold Rewards credit card. It offers some nifty travel benefits like a Welcome Bonus of 25,000 Membership Rewards® points (that’s worth about $350!) that can be redeemed against any travel expense on your credit card OR against Aeroplan mile points 1-for-1.

In addition, your first year with them is free of annual fee, you can earn double points on travel expenses (in addition to gas & groceries) and last but not least – Amex allows you to redeem for any travel expense on your statement at full value, while if you redeem with RBC’s Payback with Points feature, you’ll get closer to half a penny per point.

We hope this answers your question!

GreedyRates Staff

Angela says:

Hi GreedyRates.ca, I just came across your affiliate offer and it looks fantastic! We have a TD Visa Infinite card and will continue to use. If supplementing with a new card and to take advantage of your exclusive offer, just wanted to reconfirm your comment answers above. If I cancel after 12 months, before annual fee charged, is this before 13th month statement? If 1st statement is May 15 – June 14/16, would I need to cancel before May 15/17? And, most importantly, I will NOT lose any of the 15,000 Aeroplan Miles sign up miles earned (if not redeemed within the 12 months), as they will still reside in my Aeroplan account? If I need to reconfirm all annual fee + cancellation details with TD Aeroplan Visa Infinite Customer Service, please let me know! Thanks so much 🙂

GreedyRates says:

Hi Angela!

To confirm your question, Yes. Your 10,000 bonus will be accrued on the anniversary of your account approval, which is not necessarily the same as your statement’s billing cycle. This would allow you to collect the 10,000 anniversary points and cancel in time to avoid paying your annual fee. We would recommend checking your billing cycle dates, but in order to avoid an annual fee, you should try to cancel before your next billing cycle.

When it comes to your Aeroplan points, once you have completed the initial 90-day period in good standing, those points will remain in your account regardless of your card cancellation because they go into your Aeroplan loyalty account, and not TD. It is always good to check and confirm these details with TD Aeroplan Visa Infinite Customer Service, to ensure that everything you need is in order.

Thank you for visiting our site!

GreedyRates Staff

Angela says:

Hi Greedy Rates, thanks for your reply and for your great affiliate offer!

It was a headache to apply for mine online (hubby’s worked after 2 tries) as I had TD system issues with their online application Sunday night. Finally gave up and called in Monday night and got it done quickly over the phone!

Sorry, am confused as I thought one would receive “10,000 miles when you keep your Account open, active and in good standing for 90 days”? I can’t seem to find more info for the footnotes.

Are you saying that we receive 15,000 miles approx 8 weeks after 1st purchase made and the additional miles of 10,000 is accrued to one year from the approval date.

So, my husband’s card was approved on Sunday, March 26th and mine was approved on Monday, March 27th.

A few questions:

1. Depending on where in the billing cycle, if we receive our 10,000 accrued miles each by March 31/18 for example, and our 1st year statement Anniversary Date is not until the next statement, we will get the 10,000 accrued for a total of 25,000 bonus miles each?

2. Is the first statement triggered by first purchase or the day you first activate the card?

3. You mentioned in another comment, being able to change statement billing cycle. Can you explain more as I didn’t think it was possible to request a “customized” billing cycle with TD Visa?

4. Finally, the TD Phone Rep I spoke to, that was part of the Affiliates team told me I should pay my Annual Fee upfront even though this will be credited … or I may be charged interest!

As you mentioned in one your comments below, it will be rebated after 1 or 2 statements (and that they do not give refunds).

Therefore your recommendation is not to pay the annual fee, is that correct?

Thanks again for your detailed replies and great info/offers, it’s much appreciated!!

GreedyRates says:

Hey Angela, thanks for your comments, and we were sorry to hear you had troubles with TD’s online system. Glad to hear you were successful in the end!

The TD Aeroplan Visa Infinite awards 15,000 points to each holder upon activation. The 90 days begins counting down from that point and then pays out a year later, if the account was in good standing for 90 days at the beginning. So to answer your first question: Yes, if you received your 10,000 bonus miles before the annual billing cycle it is possible to keep the miles and then cancel before incurring the fee.

As to your second question, the 15,000 bonus is given when the card is activated, which happens when you make your first purchase (which can be as small as a pack of gum, or smaller).

Your third question concerning whether or not you can change your billing cycle is interesting. It is possible for TD Visa cards and can be accomplished through a quick call to customer service. Once the cycle date has been changed, the request takes effect immediately in the following bill or the one after that. For exact answers you will need to speak to a card services specialist at 888-561-8861.

The rep you spoke to on the phone was probably looking out for your best interests and may have assumed you were going to keep the card active past a year. If so, paying the annual fee would be best before it is incurred.

Hope that helps,

GreedyRates Staff

Trixie Mai says:

Hi, I just accepted the offer by TD for this promotion. However TD offers only 50% annual fee rebate not 100%. Should I contact TD to ask for 100% rebate?

Regarding the travel insurance, If I am only the primary card holder, does the travel insurance cover myself, spouse and my 2 dependent children? or just the primary card holder?

GreedyRates says:

Hi Trixie,

The GreedyRates offer is available exclusively through GreedyRates. As such it is only available if you apply through a GreedyRates link or reference the GreedyRates offer (or offer code SB6L9) when calling in to TD’s credit card call centre. You can give TD a call, however, we’re not sure if they’ll give you the offer if you already applied through a non-GreedyRates channel.

With respect to the travel insurance, if you book all 4 tickets with your TD Aeroplan Infinite card, your spouse and dependents should be covered as well, subject to the terms of the insurance (maximum coverage amounts, medical exclusions, etc…)

Thanks for using GreedyRates!

GreedyRates Staff

Pete says:

Could you please clarify whether the 10000 pts. are applied if the account is kept open for 90 days or 1 year ? Both of the below appear in this write up.
” 10,000 miles when you keep your Account open, active and in good standing for 90 days ”

” 10,000 Aeroplan Miles if keep your Account open and in good standing one year after account approval. ”

One more : ” 5) Miles will not expire as long as you are a TD Aeroplan Cardholder ”
If I were to cancel the card before the start of the second year do I lose the miles collected ?

Thank you

GreedyRates says:

Hi Pete,

1. The current offer gives you 15,000 miles upon activation and an additional 10,000 miles 90 days from approval if you keep your account open, active and in good standing.

2. You do not lose your collected, earned or bonus miles if you cancel the card before 12 months. One of the advantages of the Aeroplan card is that your miles go into your Aeroplan loyalty account and reside with Aeroplan, not TD. As such even if you cancel your card your miles stay with Aeroplan.

Hope that helps,

GreedyRates Staff

Melissa says:

Thanks so much for letting us about this offer!

When I click the link through GreedyRates.ca, it leads me to the promo page that advertises the 100% Annual Fee Rebate, however, when I continue through to click the “apply now” button on that page, it then leads me to the TD sign up page where it doesn’t mention anywhere at all about the fee rebate.
How can I confirm for certain that the first annual fee will be waived/rebated?

GreedyRates says:

Hi Melissa,

Thanks for using GreedyRates! If the code SB6L9 appears at the end of the url address when you’re on the application page, it means the offer code has been attributed to your application properly.

Hope that helps and enjoy the offer!

GreedyRates Staff

Alain says:

I currently have this card, opened it a year and a half ago.

I was planning to downgrade my current card and re-apply for this offer.

Will I still be able to get both the welcome bonus and the first year fee rebate?

GreedyRates says:

Hi Alain,

The quick answer is you should not have a problem. Here’s TD’s official policy in their own words: “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.”

Hope that helps!

GreedyRates Staff

Hank says:

Hello,

I’m looking to take this offer for the sign up bonus, I do already have the same TD Visa Infinite Card, are you aware if it is possible to have two of the same cards and still receive the sign up bonus?

Thanks!

GreedyRates says:

Hi Hank,

Great question. Yes it is possible. TD’s policy in their won words is 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.”

Hope that helps!

GreedyRates Staff

Pete says:

I just discovered this site. Do you have information on how to redeem the points from thiis card for travel. I would like to be able to use the points for going to All Inclusive resorts in the Caribbean. Thanks

GreedyRates says:

Hi Pete,

You can redeem your Aeroplan miles online at Aeroplan’s website for resorts and all-inclusive vacations through Air Canada Vacations or Cruises through Expedia Cruise Ship Centres and Air Canada Vacations.

Hope that helps!

GreedyRates Staff

Cory says:

I cancelled this card last year but would like to apply again now. Do you know what the waiting period is to earn the welcome bonus again?

GreedyRates says:

Hi Cory,

You can re-apply for the TD Aeroplan Infinite offer and still be eligible to receive TD’s bonus offer. TD’s terms on re-applying 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.”

Hope that helps,

GreedyRates Staff

Harm says:

I was just accepted for this TD promo again, roughly one year after I applied the first time. I cancelled the first card to avoid paying the second year fee. In contrast, the Amex promo appears to be a one-time deal.

Jon says:

For regular TD Bankers, if you have an all inclusive chequing account, the annual fee is waived for this card (as well as the TD first class travel Visa) which is great for people like me who don’t like paying credit card fees. I normally am not a fan of travel credit cards but with no annual fee this card is a steal.

GreedyRates says:

Hi Jon,

Agreed! The nice thing about the current offer, is that it’s no annual for the first year for non-customers, plus there’s no minimum spend to get the 25,000 Aeroplan miles – all you have to do is make one purchase (could be a pack of gum), and keep the account open and in good standing for 90 days. The TD offer in branches requires a minimum spend of $1,000 in the first 3 months!

Hope that helps!

GreedyRates Staff

Craig says:

Hey GreedyRates – just found this website – Awesome thanks – Can you tell me what you mean when TD all inclusive account holders get this card for free – I have been one for years, and always paid the charges……. Thanks!

GreedyRates says:

Hi Craig,

If you have a TD All Inclusive checking account, subject to approval, you can get one TD Infinite credit card and get the annual fee waived. Just make the request and the waiver is yours.

Enjoy!

GreedyRates Staff

Brian says:

Hi there, my girlfriend signed up for this card a couple months ago and linked it to my Aeroplan account (we collect points together). Can I also sign up for the account, take advantage of the welcome bonus points, and collect my month-to-month points all into the same account that her card is linked to?

Thank you

GreedyRates says:

Hi Brian,

Great question. The Aeroplan loyalty account name has to match the name of the primary cardholder on the Aeroplan credit card. The only way to combine the rewards from your future spend into one account, is to make one of you the authorized user. That way both the primary account holder and authorized user will earn rewards into the primary account holders Aeroplan loyalty account.

However, doing that means you’ll lose out on the welcome bonus. Most couples will do better off getting two separate accounts and taking advantage of 2X the 25,000 mile welcome bonus for 50,000 miles to start.

Hope that helps,

GreedyRates Staff

Hope that helps,

GreedyRates Staff

Singh says:

I currently have RBC Visa Infinite Avion. But i been offer from Td bank TD Aeroplan Visa Infinite Credit Card & Td first class travel visa infinite card. I am confuse which one i pick. Please help me out to choose right card.

GreedyRates says:

Hi Singh,

We’re big proponents of take advantage of opportunity where it exists. In this case, the TD Aeroplan Infinite card is currently offering a 100% first year fee rebate, and a 25K mile welcome bonus (valued at $350). Compare that to the TD First class Visa card which $120 annual fee and a 20,000 point welcome bonus (valued at $150). Sticking with the RBC leaves with a $120 annual fee and no welcome bonus.

For us the choice is obvious – go with the TD Aeroplan Infinite card at this time because of the generous welcome bonus. If you stick with the Avion card, you’ll have to spend close to $25,000 to get the equivalent amount of points from the TD Aeroplan Infinite card, plus the $120 annual fee.

Hope that helps,

GreedyRates Staff

Ginger says:

Hi, if I want to get both the 15,000 miles of welcome bonus plus the 10,000 miles of anniversary bonus, do I have to pay the full annual fee of $120 for the 2nd year? For example, if I cancel the card after 13 months, will they give me the anniversary bonus of 10,000 miles and only prorate the annual fee for one month? If the annual fee refundable if I cancel mid year? Thanks!

GreedyRates says:

Hi Ginger,

You do not necessarily have to pay the annual fee in the second year to receive the incremental 10,000 mile bonus. You will receive the 10,000 miles on the anniversary date of your account approval. Your annual fee gets charged on the billing cycle statement date as it was in the first year. If your 10,000 mile anniversary date is before your statements billing cycle, you will receive you Aeroplan miles before your annual fee is charged. That will give you the opportunity to collect the bonus and cancel the card prior to the second year annual fee. You can also change your billing cycle dates to add some flexibility…

Hope that helps,

GreedyRates Staff

Mehregan says:

Hi,

I applied for Aeroplan visa infiniti on august 31 from your web site and it was approved , at that time your special offer was from August 26 till Dec 2 , but in TD web site that offer is from Sep 3 to Dec 2 .
Am I still eligible for that offer?!

GreedyRates says:

Hi Mehregan,

First, thanks for using GreedyRates.ca!!!! Yes you are eligible for the offer. Not all of TD’s Aeroplan offers run co-terminously. You’re good!

Hope that helps and congrats,

GreedyRates Staff

Mark says:

Is there a time limit, in which to use the bonus points that are given on card issuance ? That is do the initial Aeroplan points expire at any point, if I keep making purchases and accumulating points ?
Like in the case of the recent widely publicised Air Miles fiasco?

GreedyRates says:

Hi Mark,

So long as you either earn or redeem at least one point every 12 months your points will remain live. You don’t even have to do it with your credit card. You can simply use your Aeroplan loyalty card at an Esso station once a year to buy a pack of gum and you’re safe.

Hope that helps,

GreedyRates Staff

linda says:

Hello,

Do I have to make $1,000 in purchases to my account to receive an additional 15,000 aeroplan miles?

If I applied today and I got approved after Dec 2 deadline, would I have to pay the annual fee?

Thank you,
Linda

GreedyRates says:

Hi Linda,

1. With the GreedyRates.ca offer there is no minimum spend requirement. All you have to do is activate your card with a purchase – a pack of gum will do – and you will receive the welcome bonus.

2. You have to Apply by Dec 2 to be eligible for the 100% annual fee rebate. It is not based on when you are approved.

Hope that helps and thanks for using GreedyRates.ca!

GreedyRates Staff

logan says:

can i still apply to this card if i am with a different bank and don’t have a td account? how would i view/see my statement? thanks!

GreedyRates says:

Hi Logan,

You absolutely can apply for the TD Aeroplan Infinite card, even if you don’t have a TD bank account, and you can still get access to your credit card statements online with a simple username and password. You can also pay your TD Aeroplan Infinite credit card balance electronically/online from any Canadian bank.

Hope that helps. Let us know if you have any other questions.

GreedyRates Staff

logan says:

thanks for the speedy reply! I have gone ahead and applied and got preapproved. During the process I was prompted to make an EasyWeb account (which I did), but they said they were not able to link the card and the account I created. I calledin and the CSR said I can get access card to view my statement online but I would have to pay in person at a TD branch (or open a TD everyday account). Do you mind going through how I would pay the balance online from my regular bank?

Thanks again in advance!

GreedyRates says:

Hi Logan,

Simply log onto your bank’s mobile banking app, or online banking site, select bill payments, select add payee, enter the account number on your bill, choose pay this bill, and enter the amount you’d like to pay. That’s it.

Hope that helps,

GreedyRates Staff

Kay says:

Hello!

I applied late Nov and just received my card, it will be activated next week. Am I still eligible for all the points, or is it too late because it is past Dec 2?

Thanks!

GreedyRates says:

Hi Kay,

Yes you are entitled Nov TD Aeroplan Infinite offer. The TD welcome bonus are effective from the day you apply for the card, not the day you’re approved, received or activate your card.

Congrats and thanks for using GreedyRates.ca!

GreedyRates Staff

Yuli says:

Hi,

I have a TD All-Inclusive account and a TD First Class Infinite VISA card for almost one year. I am thinking about change into TD Aeroplan Infinite VISA card. How shall I do to get your special promotion offer?

GreedyRates says:

Hi Yuli,

If you simply apply for the card through a GreedyRates.ca link, you will be taken directly to TD’s online application, and the GreedyRates offer will be automatically appended to your application and account without you having to do anything else. You will received the 100% annual fee rebate and the up to 30K Aeroplan miles welcome bonus.

Hope that helps and thanks for using GreedyRates.ca!

GreedyRates Staff

Daniel Lee says:

Hi Greedyrates team!

Thank you for letting us know of the best deals always, much appreciated 🙂

Question: If I already have a TD Visa Infinite Aeroplan that i signed up with via Greedyrates 11 months ago, would I still qualify for the miles offered if I took up this current promo?

GreedyRates says:

Hi Daniel,

The answer is yes, as long as you opened an account with TD more than 6 months ago. That said, TD does reserve the right to limit the number of accounts you open with a bonus – presumably to prevent massive churn and abuse. TD’s terms and conditions state 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.”

Hope that helps,

GreedyRates Staff

Dave says:

Are you saying one can apply for a TD Visa Infinite Aeroplan card even if they already have one? How?

GreedyRates says:

Hi Dave,

TD Aeroplan does not have a hard limit on the number of times you can apply for a TD Aeroplan Infinite card and receive the welcome bonus. The only written restriction is that you need to have opened your previous account at least 6 months prior to your new card application to be eligible for another welcome bonus (we suggest maybe adding another 3 months). It’s exact wording is 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.”

While TD does reserve the right to limit your bonuses, we’re not sure if it does, how it does or when it does. We do know that many people have received multiple cards with the welcome bonus offer.

Hope that helps!

GreedyRates Staff

Dave says:

Thanks for the reply but I’m still a little confused. I was under the impression that you can’t apply for a credit card you already have. When I go to apply for the card wont see that I already have the card(which Ive had for a long time..it was actually converted over from CIBC Aeroplan automatically when TD bought it)? Will they just cancel my existing card and issue me a new one with a new number? …or will I have two identical cards with two different account numbers? (And two annual fees?)

Thanks again

GreedyRates says:

Hi Dave,

Sorry for the confusion. Yes you can have two Aeroplan Infinite Visa cards – many people do. You will have two different account numbers. That said, we would definitely recommend you cancel the first card, to avoid the annual fee, once you get your second card. You might not want to cancel your first card beforehand (unless you have other cards you can rely on), just in case you don’t get approved.

Hope that clarifies things!

GreedyRates Staff

Kenno says:

Hi, is the $50 fee for supplementary cards waived as well for the first year?

GreedyRates says:

Hi Kenno,

The first year annual fee waiver is for the $120 primary cardholder fee only.

GreedyRates Staff

Haris says:

Hi,
I have a different TD credit card e and I wanted to switch over to this TD Aeroplan Visa Infinite Credit Card to take advantage of this offer, however when I called they refused to honor the Waiving of 120$ annual fee. They are saying you have to make a ‘new’ application to get that. They are giving me bonus miles as a new to the card but not the fee waiver?…I don’t get it???

GreedyRates says:

Hi Harris,

The TD Aeroplan Infinite offer, with the 100% first year fee waiver, is only available by opening a new account through GreedyRates.ca. That said, even though you currently have a different credit card with TD, why don’t you just apply for a new TD Aeroplan Infinite Visa card, instead of migrating your old account?

GreedyRates Staff

reena says:

if you keep up your account with $5000.00 then monthly fee for you and authorized person fee will be waived forever.

GreedyRates says:

Hi Reena,

Definitely an option. To elaborate on your point, if Harris opens a TD All Inclusive Checking Account he will be able to waive the annual fee for himself and an authorized user. However, to avoid any checking accounts fees, he will have to keep a minimum balance of $5,000 in the checking account.

Nice alternative if he’s currently a TD customer, or willing to become one.

GreedyRates Staff

Andrew says:

Hi guys!

Just to start off, this looks like a great site that’s very informative, has great deals, with helpful and friendly staff. Keep up the good work!

I have a question regarding the free checked bag. I understand that it only applies to Air Canada flights that were acquired by redeeming Aeroplan points. However, is it necessary to use the TD Aeroplan Visa Infinite card for the extra fees/taxes or can another card be used, and as long as you are a cardholder of the TD Aeroplan Visa Infinite, you are eligible for the free checked bag or Maple Leaf lounge?

Thanks in advance!

GreedyRates says:

Hi Andrew,

Thanks for the kind words!

When redeeming your Aeroplan miles for a flight, you can pay for the taxes and fees with whichever credit or debit card you’d like and still be eligible to receive the first checked bag free. The only things you have to make sure of are that you redeemed Aeroplan miles for your airfare, the name on the ticket matches the name on the Aeroplan account, and you may be asked to show your TD Aeroplan Infinite card to the Air Canada agent. Same goes for the annual free Air Canada Maple Leaf Lounge pass.

Hope that helps!

GreedyRates Staff

Mandy says:

Hi There!

If I already have an All-Inclusive account with TD (which was also opened with an Aeroplan VISA Infinite), and open another All-Inclusive account (as a joint account with my live in partner) and apply for another Aeroplan VISA Infinite, do I still receive the bonus Aeroplan points?

Is there any way the $50 additional card fee can be waived under any circumstance?

Thank you,
Mandy

GreedyRates says:

Hi Mandy,

Great questions! We actually called TD to get the answers. Here’s what we were told:

1. Yes you can open a second All-Inclusive account, and apply for another Aeroplan Infinite card, have the fee waived and receive the welcome bonus. Although they did not mention it, you likely will have had to apply for your first card more than 6 months ago, per their terms and conditions.

2. The TD All-Inclusive account waives both the primary cardholder’s annual fee and 1 authorized user fee.

Hope that helps,

GreedyRates Staff

Joanne says:

Hi,
I just cancelled my TD Visa Aeroplan Infinite card after using it for 11 months so that I don’t get charged the annual fee. I had benefited from the signup offer last year.
Can I reapply for a new card to get the signup bonus again before the current offer ends (Dec 2nd I believe), or do I need to wait a while to be eligible for the offer?

GreedyRates says:

Hi Joanne,

TD’s official policy is “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.” That said, in your case you’re well past the 6 months since you opened your last account. However, whether TD’s reserves the right to limit you is up to them. That said, we’ve certainly seen people get more than one account in similar situations.

Hope that helps,

GreedyRates Staff

Saboor says:

Hi just wondering if TD visa infinite covers Car Rental from Enterprise. I am planning a trip and wanted to rent a car. If I pay from my TD visa infinite would the rental fee covers it or it just covers insurance ?

Thanks

GreedyRates says:

Hi Saboor,

Thanks for writing in! Can you please clarify the question? What do you mean “if I pay from my TD visa infinite would the rental fee covers it?”

GreedyRates Staff

Saboor says:

Hi,

So lets say I booked a car from enterprise and I gave my TD VISA infinite credit card and they charged on the credit card. I would get a reimbursed that charge to my credit card or there is no rental coverage except insurance ?

GreedyRates says:

Hi Saboor,

Are you referring to the Avis Rent-A-Car and Budget Rent-A-Car preferred rates? If so, you need to do the following:

For Avis rentals, visit avis.com/tdcreditcards or call 1-800-879-2847 to reserve. Quote Avis Worldwide Discount (AWD) #C078400 at time of reservation.
For Budget rentals, visit budget.com/tdcreditcards or call 1-800-268-8900 to reserve. Quote Budget Customer Discount (BCD) #A331700 at time of reservation.

Hopefully that answers your question.

GreedyRates Staff

oydev says:

Is the exclusive offer still available? If so, for how long? If I call them what is your promotion code? Thanks.

GreedyRates says:

Hi Oydev,

Yes the promotion is still available until Dec 2, 2016. If you call-in, just let TD know your calling for the exclusive TD Aeroplan Infinite offer, available on GreedyRates.ca with promotion code is SB6L9.

Thanks for using GreedyRates.ca!

Carol says:

HI I already have received my TD infinite card last month….if i apply online now for a spousal card….would I get the 5000 additional points? Or do i need to call them?

GreedyRates says:

Hi Carol,

You had to add the authorized user by the end of the promotion. If you applied for the card last month, the promotional term ended September 2nd. It seems as though you missed the deadline. You could have added the authorized user during the application process, or added one afterwards over the phone or in branch.

The deadline to add an authorized user for the current promotion is December 2nd, after which the authorized user must call and activate their card by January 16, 2017.

GreedyRates Staff

Alan says:

Hi, What is the offer code for the promotion ends Dec 2, 2016? Is it still SB6L9? Thanks.

GreedyRates says:

Hi Alan,

Yes it is.

GreedyRates Staff

Alice says:

Hi there,
I am looking to apply for a credit card for a business for my business partner and myself. Does this credit card 1) Allow for a corporation to be the card holder name?
2) Could 2 cards be issued? one for myself and one for my business partner. We do not live in the same household nor our we married.
3) Would we be able to split the miles between the two of us, for example transfer half the miles to my air miles card and transfer the other half of the miles to my business partner’s air miles card.

GreedyRates says:

Hi Alice,

Unfortunately TD does not offer a pure Aeroplan business card that would go under your coporation’s name. The card would be under your name, address your company’s, but there would still be personal liability.

You might want to look at some of the business reward card options provided by Amex.

GreedyRates Staff

Erik says:

Hello,
I got my Visa Infinite last month and today I got my first 15000 miles, thanks Greedyrates! 🙂
Question here: I really don’t want to pay $120.00/year fee, so what would be the best thing to do after one year to avoid paying it while still keeping those aeroplan miles? Can I switch to a Visa Platinum? Thanks!

GreedyRates says:

Hi Erik,

Congrats and thanks for using GreedyRates! Even if you cancel your TD Aeroplan Infinite Visa card before 12 months (when your annual fee would kick-in), you will keep your Aeroplan Miles. Your accumulated Aeroplan miles reside with Aeroplan, not TD. As such all you have to do to keep your Aeroplan miles active is accumulate or redeem at least 1 Aeroplan mile every year to keep your Aeroplan account active. You can use your Aeroplan loyalty card to do that (swipe it at an Esso station), once you’ve canceled the TD Aeroplan credit card.

Hope that helps,

GreedyRates Staff

Alex says:

Hi,
For the TD credit card, how does the annual fee rebate work? Do we pay the fee when activated then after two months we get the fee back? If so, when we get the fee back, is it a balance on the statement or is a cheque sent?
Thanks!

GreedyRates says:

Hi Alex,

That’s correct. The $120 annual fee will be charged on the first statement and will either be rebated on the same statement or by the second statement. If it’s not rebated on the first statement (not sure why it happens on some statements and not others), you pay the balance and it gets rebated on the second statement. TD does not send a check.

GreedyRates Staff

Ronald says:

Just to follow up on this question.

I signed up mid November and was charged the first 120$ on my first statement. I haven’t been given a second statement yet.

Should I expect the credit to appear with the issuing of the second statement?

What should I do if they do not credit?

I should note I signed up through the link on this website.

GreedyRates says:

Hi Ronald,

First, thanks for using GreedyRates and applying for your TD Aeroplan Infinite offer through our site!

You shouldn’t have an issue with your annual fee rebate. As TD states, the “annual Fee will be reversed within 2 monthly statements from the date of the charge.” You’ll get the annual fee charged on the first statement. Expect it to be automatically rebated/reversed within 2 statement periods form then, which is 2-3 statements from when your account was first opened.

If there is every an issue, which there shouldn’t be, you can call TD or just let us know and we’d be glad to escalate the issue within TD and work on your behalf to ensure your account gets credited appropriately.

Hope that helps!

GreedyRates Staff

Alex says:

Just wondering if any others have encountered this error message when trying to complete the application: “Unfortunately, we have encountered system issues and cannot process your application at this time. Please try again in a few hours or visit any TD Canada Trust branch. We apologize for the inconvenience. Click here to find the nearest Canada Trust Branch or to book your appointment.” On attempting the application again 14 hours later, the issue still isn’t resolved. Changing the browser didn’t make any difference. Can we call TD to apply with the offer code, and what is the offer code?

GreedyRates says:

Hi Alex,

Sorry for the inconvenience. We have advised TD of the issue, although it is not being experienced by everyone. If you continue to issues with TD’s online application, you can call TD directly at 1-800-983-2582 and let them know you would like the GreedyRates offer for the TD Aeroplan Infinite card. The offer code is SB6L9.

Thanks for using GreedyRates!

David says:

I applied for the TD Aeroplan Visa Infinite in the summer of 2015. A few questions:

1) To receive the additional 10K bonus miles I needed to spend a $1000.00 in the first 90 days, but do you know if the clock starts on the 90 days a) the day you apply b) the date you are approved? c) the date that you activate the card or d) the date the annual fee is charged? I thought I had qualified for the 10K but never received them and want to get my ducks in a row with my purchase dates before I call them.

2) If I pay for a flight for myself, spouse and child with this card will we all be eligible for the various travel insurances (cancellation, interruption, medical etc) or just the card holder. Also, would we all get one free checked bag or just the cardholder and can we all access the free once per year lounge?

Thank you.

GreedyRates says:

Hi David,

1. Although the GreedyRates.ca offers no longer have a minimum spend requirement, we believe the start time on the offer you’re referring to was the date of approval.

2. Yes, if you pay for your travel with the card you, your spouse and your dependents will all be eligible for the travel insurances.

3. You only get to use the free checked bag and lounge access on flights in which you redeemed your miles, not on cash flights. Both are only available to the primary cardholder. Priority check-in and boarding is offered to the primary cardholder and companions.

Hope that helps!

Greedyrates Staff

LoAn Souto says:

How do I get the free checked bag?

GreedyRates says:

Hi LoAn,

The free checked bag “applies whenever the Primary Cardholder travels using an Aeroplan flight reward, only, on a flight operated by Air Canada. To access this benefit, the Primary Cardholder must redeem their Aeroplan flight reward with miles from their Aeroplan account. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Card to the Air Canada agent.”

Hope that helps,

GreedyRates Staff

Dave says:

Hi,

Just to clarify this point, if possible…so, I booked a flight on Air Canada via my existing Aeroplan miles *before* I applied for the TD card. I will have the card in hand by the time I take my trip. Can I still get the free checked bag by (from the sound of it) simply showing the Air Canada agent my card when I check in? What if I want to check in the night before online, and there’s no one to show my card to? 🙂

GreedyRates says:

Hi Dave,

To be doubly safe, put 0 bags to check during the on-line check-in process. Then check-in at the airport with your bag and show your TD Aeroplan Infinite credit card. That’s probably the safest bet.

GreedyRates Staff

Dave says:

Thanks very much!

A followup question, if I may–My wife and I both got our own TD Aeroplan Visa cards, each of us as primary cardholder on our own accounts. I made the reservation for both of us using my own Aeroplan miles, however, before we got the cards.

Is there any way for both of us, as primary cardholders on our own accounts, to get the “1st checked bag free”? Or would it only be me who gets that, since it’s my reservation?

GreedyRates says:

Hi Dave,

The terms and conditions specifically state “To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder.” It seems ambiguous to your specific situation, but the language could cover your wife’s bag, since she is a primary cardholder, has an Air Canada flight booking in her name, and an Aeroplan account profile. Present it as such at check-in and let’s see what happens. Report back!

GreedyRates Staff

nada kosovski says:

Hi I would like more about travel insurance how long is trip covered for people age 55 -61. What medical insurance include, where I can get inform before I apply for card Thanks, Nada

GreedyRates says:

Hi Nada,

The TD Aeroplan Infinite card offers free travel medical insurance for cardholders up to the age of 65 years for 21 consecutive days, for up to $1 million. You can go on multiple trips, and you’ll be covered for each trip for up to 21 consecutive days. If you’re over 65, you’re covered for 4 consecutive days.

The TD Infinite Visa card also comes with trip cancellation, trip interruption, flight delay, lost luggage, car rental, and lost luggage…

Check out our travel insurance chart for further coverages and comparisons.

Hope that helps,

GreedyRates Staff

Melanie says:

It works! I just got the card…and everything is as it says it is.

Lauren says:

Hey there! Great deal on this one – thank you for the info!

Two questions for you – I currently have the TD Aero plan platinum Visa. Would this make me ineligible to apply for the TD Aeroplan Infinite Visa? And secondly, is this card include a free bag on Air Canada flights that are not Aeroplan redemptions?

Thanks!!

GreedyRates says:

Hi Lauren,

Yes you can apply for the TD Aeroplan Infinite Visa card, even though you currently have the Platinum. You’ll want to make sure of 2 things first:

1. You now meet the minimum income requirements of $60K in personal income OR $100k in household income
2. You have the credit required to get the minimum line of credit for the TD Aeroplan Infinite Visa, which is $5,000.

Do not convert your card from a TD Aeroplan Platinum to a TD Aeroplan Infinite card – TD will not give you the new card welcome bonus offer.

Enjoy the free trip!

GreedyRates Staff

Lauren says:

Thanks so much! So I should apply for the new one independently of the platinum card? I was thinking that if they see I have one, it may not make sense to give me a second card so similar?

Also, could you please tell me if the infinite card offers a free bag on regular Air Canada flights?

Thanks so much for all of the great advice!!

GreedyRates says:

Hi Lauren,

The Aeroplan Infinite Visa card only offers free checked bags on flights in which you’re redeeming rewards.

Yes, if you’re looking to receive the bonus, you have to apply for a new TD Aeroplan Infinite Visa card. There is absolutely no issue in applying for a new TD Aeroplan Infinite Visa if you already have the TD Aeroplan Platinum. You’re application will be treated and evaluated as if you were a new applicant. You just have to meet the minimum income requirement and obviously have the credit to be approved like with any other card.

Thank you for using GreedyRates and let us know how you do!

GreedyRates Staff

Lauren says:

Thanks so much! I wonder if there are any cards out there that give a free checked bag in regular AC flights? Thanks again!!

GreedyRates says:

Hi Lauren,

The TD Aeroplan Visa Infinite Privilege card offers free checked bags on all AC flights, but it comes with a $399 annual fee.

GreedyRates Staff

peter m says:

I have a Aeroplan card that is not a credit card, but simply one i received from my work where i can collect aeroplan miles. Is it possible to transfer the points from this and apply it to the td aeroplan credit card?

GreedyRates says:

Hi Peter,

Yes. When you apply for the Aeroplan credit card, you can enter your Aeroplan loyalty card number on the application and the two cards will be synched to your one Aeroplan loyalty account.

GreedyRates Staff

Alannah K. says:

I was just wondering if the 90 days of double points (offered by greedyrates.ca) was still available if I applied through your website? That is such a great promo….

GreedyRates says:

Hi Alannah,

Thanks for using GreedyRates.ca! Unfortunately the 90 day double points bonus offer expired at the end of May. The current offer exclusively on GreedyRates of 1st year annual fee, 15K on activation, 5K open and in good standing for 90 days, plus 5K for an authorized user is the richest welcome bonus on the card in Canada today. The great thing is it doesn’t require a minimum spend threshold. It’s good until Sept 2.

GreedyRates Staff

Kelvin says:

Is the discount on annual fees still valid? I’m thinking of applying for the highest aeroplan visa ($399) is there a similar promo for that card? Thanks

GreedyRates says:

Hi Kelvin,

The first year annual fee rebate (with up to 25K miles welcome bonus) is in effect for the TD Aeroplan Infinite Visa card reviewed above until September 2nd, 2016 on GreedyRates.ca only.

The first year annual fee rebate is not in effect for the TD Aeroplan Infinite Privilege card (if that’s the card you’re looking for there is no promotion on it right now so the annual fee is $399 and the welcome bonus is only 25K miles).

Hope that helps,

GreedyRates Staff

Natalie says:

Do you know whether the aeroplan account you link to the card needs to be in the same name as the card holder? Can I apply for the card in my name, but link it to my spouse’s aeroplan account? It’s so much easier collecting all our aeroplan points in one account instead of splitting them up.

GreedyRates says:

Hi Natalie,

Unfortunately the name on the credit card has to match the name on the Aeroplan account. An alternative for you is to get the Aeroplan welcome bonus, which will have to be directed to your own account. But then get an authorized user account, thereafter, on your spouse’s card or vice versa. That way all of your future spend will be consolidated on one account.

GreedyRates Staff

Dheeraj says:

Hi ,

I have TD aeroplane card. Does it cover the travel insurance if I travel to USA for 1 week.

GreedyRates says:

Hi Dheeraj,

Yes, The TD Aeroplan Infinite card has out of country travel medical insurance which will cover you for 21 consecutive days while travelling in the United States, regardless of whether you used the credit card to pay for the trip or not – you can even drive and you’ll be covered. You just have to check on your end to be sure no pre-existing medical conditions or exclusions prevent coverage.

Hope that helps,

GreedyRates Staff

Liliana says:

Hi, I am going to travel to Spain and I will be renting a car with my TD Aeroplan Infinite Visa.
What coverage I have for the rental car from the visa that is can be used when I rent the car in Spain?
I will be renting from Aug6 to Aug 14, 2016.

GreedyRates says:

Hi Liliana,

Yes your TD Aeroplan Infinite Visa card does cover you for car rental Collision Damage Waiver (CDW) insurance in Spain for any SUV, minivan or car. However, please remember it does not cover you for 3rd party liability (damage to another car or person). You might want to check if your car insurance already covers you for 3rd party liability when renting a car.

GreedyRates Staff

Kris says:

If I apply but my income is just shy of 60,000 ($57,00) and my credit score is 750 would they even consider approving it?

GreedyRates says:

Hi Kris,

You sure you can’t make your $57,000 stretch to $60,000? Remember you can include all income from interest, stocks, gifts, etc… not just employment income. Alternatively, you can include household income from anybody your living with. A 750 credit score is fantastic. Get creative.

Hope that helps,

GreedyRates Staff

Sarah says:

I’ve tried applying for this twice online, and each time it says it can’t verify my identify (even though I’m 100% sure that I answered the credit history questions correctly). I tried calling to apply, and they said they have no way to waive the first year fee. Any suggestions for how to get around this?

GreedyRates says:

Hi Sarah,

If you’re having difficulties applying online, you absolutely can apply for the GreedyRates offer through TD’s call center. Just call TD’s credit card call centre at 1-800-983-2582 and let them know you want the GreedyRates offer (no fee first year, 15K miles on activation, plus 5K miles if you keep the account open and active for 90 days). If they ask for the offer code it’s SB6L9.

Hope that helps,

GreedyRates Staff

Sebastien says:

Could I transfer my balance from another card to this card and still be able to redeem all these perks?

GreedyRates says:

Hi Sebastien,

We would not recommend transferring a balance to this card. If you need to transfer a balance get a no fee balance transfer card offering 0% for 12 months, like the MBNA Platinum Plus card.

You always want to keep your balance transfer cards separate from cards intended for new purchases.

That said, there is no minimum spend requirement to be able to receive and redeem for the welcome bonus miles. All you have to do is activate the card with a purchase (could be a pack of gum) and the first 15,000 miles are yours. Then keep the account open and in good standing for 90 days and you’ll get an additional 5,000 miles. There is no annual fee in the first year, regardless of how much you spend.

Hope that helps,

GreedyRates Staff

Evie says:

Hi. I have a TD Aeroplan Visa before but I cancelled it around 5-6 months ago. If I apply again now through GreedyRates.ca, will I get this promotion?

GreedyRates says:

Hi Evie,

TD’s official policy is that “If you have opened an Account in the last 6 months, you will not be eligible for these offers.”

Hope that helps,

GreedyRates Staff

Cheryl says:

I just (May 21 2016) tried to apply for the card with the bonuses listed on greedyrates.ca – i.e. 30k max miles, 3x miles for the first 90 days, no fee for the first year – and get to a point in the application where the CONTINUE button link stops working – any thoughts on this? I have tried the Chat with the TD rep and got nowhere except for the advice to try using another browser than Firefox (I did with MS Edge – same issue) and /or to try again later because the server must be busy.

GreedyRates says:

Hi Cheryl,

If you’re having trouble applying online, you can call TD directly at 1-800-983-2582. Let the customer service rep know you want the GreedyRates.ca offer, offer code SB6L9 if they ask.

Thanks for using GreedyRates!

GreedyRates Staff

RJ Drum says:

I just applied and it took me to the TD website where I entered my information. How do I know that the greedyrates.ca code was used so that I get the 1 year fee waiver?

many Thanks

GreedyRates says:

Hi RJ,

Everything is done automatically. If you applied through a GreedyRates link, the offer will be automatically appended to your application, and if approved, to your account. If there are every any issues (which there shouldn’t be), you can always let us know and we’ll help you sort it out with TD.

Hope that helps,

GreedyRates Staff

Jim says:

Hi GreedyRates,

I’m interested in this offer. However, TD has a promo now for new clients to sign up for one of their 2 top accounts and get a Samsung Smart TV (40″ or 28″). There are things you need to do to qualify but one of them is to apply for a TD Visa. The Infinite Aeroplan card is one of the cards and it says to apply for it after opening the account. If I opened that account and then applied through here to get the Visa card, would I still qualify for both offers? mainly the points promo here and also qualify for the 40″ TV? I know if I apply through them I wouldn’t get the promo being offered here.

Thanks
J

GreedyRates says:

Hi Jim,

There’s been some confusion here. If you apply for the TD Samsung new account offer you can only combine it with the base offer for the TD Aeroplan Infinite card, which is 15K with the annual fee.

GreedyRates Staff

Jim says:

Thanks for the quick response.
So bonus points and new TV it is.

Thanks, enjoy the upcoming weekend
Cheers
J

Julie says:

Hi, I just received this promotion in the mail and changing my current TD VISA to the infinite aeroplane. Was wondering if the 90 days of double points applies to me as well.
Also, was thinking of adding my husband as an additional user, but would we benefit more for him just to sign up through your website for his own card and take advantage of the sign up bonus? We spent quite a bit every month and just wondering if it was better to have it all on one card or have two separate cards. Thanks.

GreedyRates says:

Hi Julie,

The promotion for 90 days of double points in bonus categories (gas, grocery, drugstore, aircanada.com) is available exclusively through GreedyRates.ca. Moreover, the GreedyRates offer does not have a minimum spend requirement to receive the welcome bonus – we understand the offer promoted by TD directly requires $1,000 spend in the first 90 days.

We would definitely recommend your husband get his own card, as opposed to an authorized user. With no fee in the first year, and a 25K welcome bonus, there is zero incremental cost to the decision. He would be getting an additional 20K miles (25K new card, versus 5K authorized user), at no additional cost.

Hope that helps,

GreedyRates Staff

steve says:

I just got my TD Aeoplan visa Infinite card in the mail. The documents say I get the 15000 bonus miles but nothing mentioned about the additional 10000, or the bonus points on purchases for the first 90 days. I know this site says only available if applied via Greedyrates, but I could not do that because of some notification/restriction on my TD account from 9 years ago, so I had to clear that up at the bank and the application for this card was done for me at the bank. Is there a way I can get the added bonuses applied to this card even though I didn’t apply with greedy rates?

GreedyRates says:

Hi Steve,

Unfortunately, as our website states, the TD Aeroplan Infinite Visa offer is only available through GreedyRates.ca. The offer as advertised is not available in TD branches, on TD’s websites or through any other websites.

That said, if you have any issues applying online, you can also get the GreedyRates.ca offer by calling TD directly at 1-800-983-2582 and asking the customer service representative for the GreedyRates offer or for offer code SB6L9. They will then append the offer to your application and it will automatically get attributed to your account upon approval.

GreedyRates Staff

steve says:

Thanks. I called and was confirmed for the additional bonus for applying. Also got an additional card for the wife for added bonus, and no fees ever because I have an account that eliminates the credit card fee. Not too sure about the double miles for the first 90 days, even after talking it was unclear, but I’m less concerned about that. It was suggested to use the credit card and the aeroplan card to double up, does that make sense?
Steve

GreedyRates says:

Hi Steve,

Great! If the GreedyRates source code was added by the TD customer service rep, which it seems to have been, you will automatically get the 2X bonus point in the first 90 days.

Whenever you can, always use your TD Aeroplan Infinite Visa card and the Aeroplan loyalty card to get miles from both. While you’ll get Aeroplan Miles wherever you use your credit card, you’ll be able to also use your Aeroplan loyalty card at Aeroplan partners such as Esso, Air Canada, Home Hardware, Shop.ca, etc…

GreedyRates Staff

Geoff says:

When you say in items 1-3 that free bag, priority check-in and boarding are perks received on an Aeroplan reward flight, does that mean only on flights where you are redeeming points, or does that include flights that you actually pay for?

GreedyRates says:

Hi Geoff,

That is correct. The free bacg, priority check-in and boarding are only available on flights in which Aeroplan miles have been redeemed.

GreedyRates Staff

Chad says:

Hi,

Just wondering, does the 90 day, 3X bonus Aeroplan miles promotion start on the day that the card was approved, or the day the card was activated? I would assume the latter but I just wanted to check. And it is a full 90 calendar days and not valid through just your first three statements or something, correct?

Thanks!

GreedyRates says:

Hi Chad,

It is 90 days from the date of approval “…during the first 90 days after Account approval”. And it is for the first 90 days, not 3 billing cycles, statements or months. Still a fantastic deal!

Hope that helps,

GreedyRates Staff

Chad says:

Hello,

Great review and website! Loved going through archive of articles…really learned a lot!

With regards to this card, if I went to into a gas station or grocery store during the double Aeroplan miles promotion (during the first three months) and bought for example a $1000 gift card, would I get 3000 Aeroplan miles for that gift card purchase? Would the type of gift card matter (ie. would any retailer be acceptable)?

Thanks!

GreedyRates says:

Great idea to maximize Mile earnings during the promo period!!!!

Yes, you could absolutely buy gift cards in eligible bonus categories, such as gas stations, supermarkets & pharmacies and earn the 3 points per dollar spent bonus. It would not matter what type of gift card you purchased.

We would recommend you buy your gift cards at a standalone retailer, to ensure TD reads the merchant code correctly. For example, buy your gift cards at a Shoppers Drug Mart, Metro or Esso – avoid the big box retailers like Costco, WalMart and Canadian Tire, where even if you buy from their gas station or pharmacy, it may be read as a purchase from a general retailer or wholesaler as opposed to a pharmacy or gas station.

Hope that helps and thanks for the kind words about GreedyRates!

GreedyRates Staff

Chad says:

Hello again,

Thanks for the quick response!

I am thinking that if I bought the $1000 gift card for example at Esso, I could double-dip on the Aeroplan miles by swiping my Aeroplan card at time of purchase. Is that correct? Would that not be a fantastic way to accumulate Aeroplan miles during the double Aeroplan miles promotional period? Similarly, could I not buy a $1000 gift card at Rexall, pay with the credit card to get the double Aeroplan miles but also swipe my Airmiles card at time of purchase to get a bunch of Airmiles as well?

The possibilities of exploiting the credit card bonus period in this way is making my mouth water! LOL

Thanks!

GreedyRates says:

Hi Chad,

Go for it! You can absolutely double dip on top of the 3X miles bonus with your Aeroplan card. Can’t do it at Rexall though, they stopped being an Aeroplan partner in 2014.

GreedyRates Staff

Chad says:

Hi,

Looks like you can buy Air Canada gift cards on aircanada.com. Would a gift card purchase on aircanada.com during the three month double Aeroplan miles promotional period qualify for the 3X Aeroplan miles, or does the purchase have to be a flight in order to qualify?

Thanks!

Chad

GreedyRates says:

Hi Chad,

The disclosure agreement reads as follows “…and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) charged to your Account.” However, we would suggest trying it with the smallest denomination gift card first, seeing if you get the bonus multiplier. If so, go have a field day!

Another great idea Chad.

GreedyRates Staff

Princi says:

Hi

Nicely presented. I am planing to apply for card,I have one question. Can I book anyoneès ticket through my card. and if i alread have Visa card by TD can I apply for this card as well at same time.

GreedyRates says:

Hi Princi,

Thanks for the kind words!

1. Yes you can book anyone’s ticket with your Aeroplan miles.

2. Yes you can get the TD Aeroplan Infinite card, even if you have another TD credit card. You can have multiple TD cards open at the same time.

Hope that helps,

GreedyRates Staff

Clement says:

Hi there,

Is there an annual fee rebate for the TD AEROPLAN VISA PLATINUM* CARD as well through Greedy Rates? I may not qualify for the TD Visa Infinite, so it would be great if the Platinum card also had a first year annual rebate.

GreedyRates says:

Hi Clement,

The Platinum card comes with am $89 annual fee. The value is obviously in the Infinite card offer. Remember, if you can’t qualify for the minimum personal income of $60K, perhaps you can meet the minimum household income threshold of $100K. You can combine the incomes of those you live with including your spouse, girlfriend, parents, siblings, etc… without requiring co-signature.

Hope that works out for you,

GreedyRates Staff

C w says:

Hi,
Thanks so much for getting back to me. How strict are they about literally being in the same household? Our household income is about $75K. Could I use my brother’s income even though he doesn’t live with me anymore? If the answer is no, how do I apply for the card and get the promotion while using him as a co-signor?

GreedyRates says:

Hi Clement,

The only thing we’ll say about that is, they do not ask for proof of income, as some other cards and/or loans do.

Kindest,

GreedyRates Staff

Jensen says:

So where does it say double for the first 90 days? I don’t actually see any reference to that in the link provided

GreedyRates says:

Hi Jensen,

You just have to scroll down a bit to the title “How you earn Aeroplan Miles”. It then reads:

“For every $1 spent on eligible gas, grocery, drugstore and aircanada.com purchases with your Card. Earn double Aeroplan Miles for these purchases for the first 90 days after Account approval – that’s 3 miles instead of 1.5 miles for every $1 spent.”

Let us know if you have any other questions!

GreedyRates Staff

Jensen says:

Oh sorry. I must have missed that!

BME says:

I already have this card and it is coming up to the end of the first free year and I was planning on cancelling it to avoid the fees.

Could I apply for a second TD Infinite card and the cancel my first one or will I be denied as I already have the same existing card?

I would like to get a similar or even the same card with bonus miles and no fees or no fees for the first year. What is my best option? I spend around 1500/month and always pay my balance in full.

GreedyRates says:

Hi Brent,

Seems like the answer is yes, you can cancel and re-apply to get the bonus offer. All TD states is that “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.”

Enjoy!

GreedyRates Staff

Carl says:

Is the waived fee still valid? Going through the application process the fee applies.

GreedyRates says:

Hi Carl,

The 100% annual fee rebate absolutely still applies. The promotion is valid until May 27th, 2016.

You will see the annual fee waiver on TD’s offer landing page. The promotion will be automatically appended to your account by TD.

GreedyRates Staff

HJM says:

If I already have a TD Infinite VISA card can I cancel it and then after still get this new deal with the 30,000 Aeroplan miles offer, etc.?

GreedyRates says:

Hi HJM,

TD terms and conditions state you can only apply for another TD Aeroplan Infinite card if your previous TD Aeroplan Infinite card was opened more than 6 months ago. That said, TD does state that it reserves the right “to limit the number of accounts” opened by any one person. We’ve had a few readers do it a few times. Given the size of the bonus and the annual fee waiver, it makes sense to give it a shot until TD says you’ve reached your limit.

Hope that helps,

GreedyRates Staff

Dave says:

I have read on other threads that first purchase at shop.ca gives you 3k points and $50 discount with certain TD aeroplan cards. Is this card a part of that promotion ?

Thanks you,

GreedyRates says:

Hi Dave,

The answer would be yes. However, that specific Shop.ca Aeroplan offer for 3K points and $50 to which you are referring, expired iOctober 30th, 2015. The current Shop.ca Aeroplan promotion offers “1 Aeroplan Mile* for every dollar spent. Members with Aeroplan status receive 2 Miles for every 1 dollar spent.”

Hope that helps,

GreedyRates Staff

Sam says:

I applied aeroplane card a month ago but I didn’t activate the card… If now I apply again then I would get a 30,000 miles right???

GreedyRates says:

Hi Sam,

If you get approved, and you didn’t activate the previous offer, then yes you would be eligible for the current TD Aeroplan Infinite offer on GreedyRates.ca of:

First year annual fee rebate, 25,000 bonus miles (no min spend), + 5,000 miles for authorized user and 3X miles per $1 of spend on gas, groceries, pharmacy & aircanada.com purchases in the first 90 days.

Good luck!

GreedyRates Staff

vince says:

2 questions;

1. Is there a minimum purchase amount to qualify for the 15,000 aeroplan points?
2. How would I cancel my card if I wish to in the future?

GreedyRates says:

Hi Vince,

To answer your questions:

1. There is no minimum purchase required to recieve the 15,000 aeroplan miles. All you have to do is activate your card with at least 1 purchase. It could be a pack of gum. To receive the additional 10,000 aeroplan miles, all you have to do is keep your account open and in good standing for 90 days. Again, there is no minimum spend requirement for either bonus.

2. All you have to do to cancel your card is call TD and cancel the card. Once you’ve receive your 25,000 bonus Aeroplan Miles, they’re yours, even after you cancel your card.

Hope that helps answer your questions.

GreedyRates Staff

Cyn says:

Would the first year annual fee be waived for the additional authorized cardholder?

Thanks!

GreedyRates says:

Hi Cyn,

The $120 annual fee is waived for the primary card holder. The $50 annual fee remains for the authorized user. That said, if you value an Aeroplan mile at 1.27 cents, the incremental 5,000 miles you receive for get the authorized user card has a $63.50 value. Essentially, you’re getting an authorized user card for free for one year – hopefully allowing you to accrue more Aeroplan miles by consolidating your spend and rewards into one Aeroplan account.

Even if you decide not to get the authorized user card, you still get 25,000 miles (return trip anywhere in north america) with a first year annual fee waiver and 3X miles in gas, grocery, drugstore and aircanada.com spend for the first 90 days – the best welcome bonus offer we’ve ever seen for the TD Aeroplan Infinite card.

GreedyRates Staff

Jess says:

Hi there,

Can you clarify how I can earn the 3x the points for gas, grocery, drug, or aircanada.com through greedyrates? Do you mean I just have t