TD Aeroplan Visa Infinite Credit Card Review (20,000 AP Points + FYF)

The TD Aeroplan Visa Infinite credit card is a popular one amongst Canadians. As of writing this article, they have a current promotion that will earn you 20,000 Aeroplan points and the annual fee is free for the first year. Is this card good to get after the newly launched Aeroplan program? Read on to find out.

I have no affiliation with TD or this credit card.

VIDEO – TD Aeroplan Visa Infinite Review

Earning Aeroplan points

As mentioned, you will earn 20,000 Aeroplan points for this card. You will receive 10,000 Aeroplan points after your first purchase. Then, you will receive the rest of the 10,000 points after hitting the minimum spend requirements of $1000 within 3 months of being approved for this card. After hitting the minimum spend, you will also get an Air Canada buddy pass which acts as a buy-one-get-one-free voucher.

You’ll also earn 1.5 Aeroplan points for every $1 spent on groceries and gas. Finally, you will earn 1 Aeroplan points for every $1 spent on all other purchases.

Features

  • First year annual fee is waived, then it’s $139 per year
  • Free first checked bags with Air Canada
  • $100 Nexus rebate
  • Your Aeroplan points won’t expire as long as you are a cardholder
  • Emergency medical insurance for up to $1,000,000 for the first 21 days of your trip (4 days for those ages 65+)
  • Trip cancellation insurance for up to $1,500 per person or $5,000 per group
  • Trip interruption insurance for up to $5,000 per person or $25,000 per group
  • Flight delay insurance for up to $500
  • $500,000 Common Carrier Accident Insurance
  • Car rental insurance
  • Preferred pricing on Air Canada flights

Who should get this card?

To be honest, the sign-up bonus are not as good as before. Kind of. First, the sign-up bonus for the TD Aeroplan Visa Infinite ranges between 25,000-30,000 points. With this new card, your sign-up bonus is just 20,000 points. The new advantage; though, is the Air Canada buddy pass.

The buddy pass can only be redeemed for flights within Canada, USA, or Mexico. As you can see, it already limits the number of destinations you can visit. If you like travelling to only those region of the world, then the buddy pass will be good. The buddy pass is basically a buy-one-get-one-free voucher. The downside of the buddy pass is that it only works when you purchase an actual airline ticket. So for those people trying to really maximize their savings, they do have to pay out of pocket to book a flight with the buddy pass.

So the question is, do you prefer to get 5,000-10,000 more Aeroplan points or will you find a use for the buddy pass?

The good thing about this current promotion is that there’s no annual fee for the first year. This means getting this credit card is still a bonus towards your Aeroplan balance. The travel insurance associated with this card is also pretty good; though, I’m not sure how useful it is at the moment due to the pandemic.

Conclusion

The TD Aeroplan Visa Infinite card is an okay card to get to top up your Aeroplan points balance. If you are someone that would benefit from the buddy pass, then this card is an excellent card to get for yourself.

I’m on the fence whether I will apply for this card or not. But since the deadline is not until May 30, 2021, there’s plenty of time to think about getting this credit card or not.

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