TD® Aeroplan® Visa Infinite Privilege* Card Review 2024

By Heidi Unrau | Published on 09 Aug 2023

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The TD® Aeroplan® Visa Infinite Privilege* credit card is the “go big or go home” travel card for Air Canada lovers. If you’re a frequent flyer, this credit card will level-up your entire travel experience to VIP status. The TD® Aeroplan® Visa Infinite Privilege* has one of the highest base earn rates for rewards on purchases, helping you earn even more Champagne trips at beer prices, or entirely free! The welcome offer plus other card perks give you up to $2,700 worth of benefits in the first year alone.

But free travel might actually be one of the less impressive perks of this card. From booking to baggage claim, the TD® Aeroplan® Visa Infinite Privilege* gives you priority status at the airport, a free checked bag, and special access to lounges. Your points can pay for your Amazon.ca purchases, your morning double-shot on ice at Starbucks, or even help send your kids to college! Explore everything this power-house card has to offer in our full review. 

A three-step welcome offer

Right now, TD is offering a generous welcome offer for those who apply by March 4, 2024. You could earn up to 75,000 bonus Aeroplan points in the first year. Once you make a first purchase with your TD® Aeroplan® Visa Infinite Privilege* card, TD will credit your Aeroplan member account with 20,000 bonus points.

Next, you can earn another 30,000 bonus Aeroplan points when you spend $10,000 on your card within the first 180 days (roughly 6 months) of opening your account. For a premium travel card, that’s low-hanging fruit. Your monthly grocery bill alone could probably meet that spending requirement in 6 months. 

Finally, you could earn another 25,000 bonus points if your account is open and active for 12 consecutive months and you make $15,000 net purchases on the card within the first 365 days. Your account must be in good standing.

You also get this great stuff:

  • Nexus members get their application fee rebated every 4 years (48 months)
  • First check bag is free for you and up to 8 travel companions
  • Unlimited access to Maple Leaf Lounges including complimentary access for one guest
  • Primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program

Perks & Benefits of the TD® Aeroplan® Visa Infinite Privilege* Card

The list of TD Aeroplan Visa Infinite Privilege benefits is impressive. It is indeed one of the best Aeroplan credit cards . However, the eligibility criteria require that you have $150,000 in annual personal income or $200,000 in annual household income to get this card.

In summary, you are looking at:

  • Up to 75,000 Aeroplan bonus points 
  • Earn 50% more Aeroplan points & 50% more Stars at Starbucks
  • Redeem points through Air Canada with no seat restrictions or blackout periods 
  • Redeem points at Starbucks and Amazon.ca
  • Redeem points for merchandise, gift cards, experiences
  • Redeem points to pay student loans or tuition
  • High base earn rate for points 
  • Earn more points on gas, groceries, dining, and Air Canada purchases
  • Double-up points with Aeroplan member number  
  • Up to 10% off car rentals through Avis & Budget 
  • Annual discounted travel companion pass 
  • Complimentary access to Maple Leaf Lounges
  • Complimentary Dragonpass lounge access 
  • NEXUS application fee rebate every 4 years 
  • Travel insurance benefits 
  • Purchase protection 
  • Extended warranty protection 
  • Mobile device insurance
  • Free checked bag
  • Priority check-in
  • Priority boarding 
  • Priority stand-by
  • Priority upgrades 
  • Priority baggage handling 
  • Various priority access at select Canadian airports 
  • Access to Visa Infinite Dining Series 
  • Access to Visa Infinite Luxury Hotel Collection 
  • Access to Visa Infinite Screening Series 
  • Access to Visa Infinite Wine Country Program
  • Troon Rewards® Gold Status
  • Earn Aeroplan points with Rocky Mountaineer

Because many of those perks relate to travel, we can say that this credit card is also one of the best travel credit cards in Canada .

What are Aeroplan Points? 

Aeroplan is the loyalty program owned and offered by Air Canada. Aeroplan points can be used to book flights with Air Canada and partner airlines. There are no blackout dates or seat restrictions, and any Air Canada seat that can be purchased with cash can also be purchased with your Aeroplan points. Points can also be used for things like seat upgrades and in-flight Wi-Fi.

Aeroplan points do not restrict you to plane tickets. They can also be redeemed for vacation packages, hotel rooms, rental cars, merchandise in the Aeroplan eStore, and even gift cards. As with all travel rewards credit cards, you’ll get the best redemption value when you redeem points for flights.

Earning points with your TD® Aeroplan® Visa Infinite Privilege* Card

The TD® Aeroplan® Visa Infinite Privilege* is one of the best travel cards in Canada with an aggressive base earn rate that is higher than some of its competitors. You earn 1.25 Aeroplan points for every $1 charged to your card. There are also accelerated points categories that earn even more points per $1 on certain types of purchases.

Eligible gas, groceries, travel, and dining purchases earn 1.5 points per $1. Purchases made directly with Air Canada and Air Canada Vacations get you the highest earn rate of 2 points per $1. 

There is a maximum annual spending limit of $100,000 combined across all the accelerated points categories. Once you hit the annual spend limit, the earn rate drops to 1.25 Aeroplan points per $1. However, there is no limit to the total amount of Aeroplan points you can accumulate. 

Double-up your points

Yes! You can actually double the points you earn on eligible purchases. When shopping with an Aeroplan partner merchant, provide your Aeroplan membership number at the time of purchase and pay with your TD® Aeroplan® Visa Infinite Privilege* Card . 

Aeroplan is one of the best travel rewards loyalty programs in Canada with over 150 partner merchants and over 200 online partner retailers. Here are a few of the most popular retailers where you can double-dip your points: 

  • Amazon.ca 
  • Apple 
  • Hello Fresh

Bonus points at Starbucks! 

Through TD EasyWeb or the TD app, add Starbucks to your  TD® Aeroplan® Visa Infinite Privilege* card from the list of partners. Then, open your Starbucks Rewards app and add your card. Use your TD card to pay your Starbucks coffee. Eligible purchases earn both 50% more Starbucks Stars and 50% more Aeroplan points!

Shop the Aeroplan eStore 

Aeroplan is partnered with over 200 online retailers and they often run bonus-point promotions through the Aeroplan eStore . If you have to make a big purchase, like a new computer or BBQ, check out the eStore first. You could snag that item for the same price you would have paid in person, but get significantly more points than you would have otherwise. 

Promotions have been known to offer up to 10x the Aeroplan points. At the time of writing, there was an offer of up to 5x the points on selected electronics during the “Tech Event”.

Additional cardholders 

For $199 per year, you can add an authorized user to your TD® Aeroplan® Visa Infinite Privilege* credit card to earn points on their purchases too. Once you add a cardholder, make sure they have an Aeroplan member account and link it to their card. They can also access some of the travel benefits as the primary cardholder even if they aren’t travelling with you. 

The Aeroplan Family Sharing feature! 

Aeroplan recently launched a new Aeroplan Family Sharing feature that allows up to 8 Aeroplan members to connect their accounts to a shared balance. Both existing and earned points are then added to the shared balance.

From there, authorized family members can redeem points for travel and other rewards. If someone in the group has Aeroplan Elite Status, everyone benefits from those exclusive perks too.  

Buy, transfer, and give points

The Aeroplan program allows you to buy Aeroplan points for cash to top up your account. You can also transfer points between Aeroplan members for a fee. 

Saving for that big family trip to the happiest place on earth? Instead of birthday or holiday gifts, you can ask loved ones to buy you Aeroplan points! 

Convert points from other programs

Yep, you read that right. You can convert points from other loyalty programs into Aeroplan points. Each loyalty program has a different conversion ratio, so pay attention to make sure you’re getting the best bang for your points. Loyalty points that can be swapped include, but are not limited to: 

  • American Express Membership Rewards
  • Best Western Rewards
  • Hilton Honors Points

Redeeming points with your TD® Aeroplan® Visa Infinite Privilege* Credit Card

Aeroplan points have the best redemption value when redeemed for travel directly through Air Canada. But the points don’t have a fixed value. Aeroplan uses dynamic pricing which means the redemption value of your points will vary depending on where you’re going, where you’re leaving from, distance, and type of seat. 

Points can also vary based on demand. To get the best value for your points, you’ll need to plan carefully, pay close attention to the details, and have your calculator handy. You can also redeem your Aeroplan points for: 

  • Seat upgrades
  • In-flight Wi-Fi
  • Rental cars
  • Vacation packages 
  • Merchandise 
  • Experiences 
  • Donations to a charitable organization 
  • Starbucks purchases
  • Amazon.ca purchases

Attention parents! 

You can redeem your Aeroplan points to help your kids pay for college! Aeroplan and the HigherEdPoints program let you purchase education credits for students, like your child or someone you love. Students can use education credits to pay down their federal/provincial student loans or to cover the cost of tuition at a participating institution. You’ll need 35,000 Aeroplan points to get a $250 credit.

Air Canada perks with your TD® Aeroplan® Visa Infinite Privilege* Card

The TD® Aeroplan® Visa Infinite Privilege* card is your ticket to a VIP travel experience with Air Canada for you, and up to 8 companions travelling together on the same reservation. Here’s what you get from Air Canada: 

  • One free checked bag on Air Canada flights 
  • Priority Check-in lets you jump long lines to check-in and get through the airport faster
  • Priority Airport Standby bumps you up the list to snag a seat ahead of other standby travellers who don’t have the TD® Aeroplan® Visa Infinite Privilege*.
  • Priority Airport Upgrades allow Aeroplan Elite Status holders to jump the list and grab a better seat ahead of other Aeroplan Elite Status holders who don’t have the  TD® Aeroplan® Visa Infinite Privilege*
  • Priority Boarding lets you get to your seat faster with Zone 2 priority boarding. 
  • Priority Baggage Handling unloads your baggage onto the carousel ahead of everyone else, so you can grab your stuff and be on your way faster. 
  • Possibility to reach Aeroplan Elite Status more quickly by earning 1,000 Status Qualifying Miles and one Status Qualifying Segment for every $5,000 of net purchases
  • Roll over of unused credit: Primary cardholders who also hold Aeroplan Elite Status and requalify for the next year can roll over up to 50 unused eUpgrade credits to the following year

Visa perks with your TD® Aeroplan® Visa Infinite Privilege* Card

TD® Aeroplan® Visa Infinite Privilege* cardholders get exclusive travel perks separate from Air Canada. No matter who you book with, or where you go, you can access additional benefits like: 

  • Visa Infinite Privilege Airport Benefits give you priority status at several major airports across Canada. You’ll enjoy things like priority security lanes, priority taxi and limo lanes, premium parking spots, and up to 20% off parking fees.
  • Global Airport Lounge Access gives you a complimentary membership to the Visa Airport Companion Program hosted by Dragonpass International and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide.
  • Visa Infinite Dining Experience gives you exclusive access to gourmet dining events.
  • Visa Infinite Luxury Hotel Collection unlocks 7 exclusive benefits at over 900 properties around the world, and an 8th privilege at over 200 properties. 
  • Visa Infinite Screening Series gives you exclusive access to things like advanced screenings, special movie events, presales, priority status lines, and exclusive benefits and offers for the Toronto International Film Festival® (TIFF).
  • Visa Infinite Wine Country Program gives exclusive benefits, discounts, complimentary tasting and private tours at over 95 wineries in BC, Ontario, and Sonoma Valley. 
  • Troon Rewards® Gold Status gives 20% off green fees, lessons, and merchandise at over 150 participating gold courses. You can also access over 25 participating private clubs across the U.S. for $99 USD a round. 
  • Complimentary upgrade to Avis President’s Club lets you unlock two-car-class rental upgrades

Are there any insurance benefits? 

Sometimes a travel card is big on points, but lame on benefits. Not the case with the TD® Aeroplan® Visa Infinite Privilege* . It provides comprehensive credit card insurance . This premium travel card delivers the goods with many different types of insurance coverage. Here’s what you get: 

Travel Insurance

  • Travel Medical Insurance provides up to $5 million in coverage for the first 31 days of your trip. If you’re over 65, you’re only covered for the first 4 days. 
  • Common Carrier Travel Accident Insurance provides up to $500,000 of coverage for specific losses sustained while travelling on a common carrier like a plane, bus, train, ferry, etc. 
  • Flight/Trip Delay Insurance provides up to $1,000 of coverage if your flight or trip is delayed for more than 4 hours. 
  • Trip Cancellation/Trip Interruption Insurance provides up to $5,000 of coverage combined for all insured persons if the trip is cancelled, and up to $25,000 combined for all insured persons if the trip is interrupted. 
  • Delayed and Lost Baggage Insurance provides up to $1,000 coverage per insured person if baggage is delayed over 4 hours, and up to $2,500 per insured person if baggage is lost. 
  • Hotel/Motel Burglary Insurance provides up to $2,500 coverage if certain personal items are stolen from your room. 
  • Auto Rental Collision/Loss Damage Insurance provides coverage on rental cars for up to 48 days. 

Purchase insurance

Purchase Security provides coverage for most new items if theft or damage occurs within 120 days from the date of purchase. Extended Warranty Protection can double the manufacturer’s warranty up to 2 additional years on eligible items. Mobile Device Insurance provides coverage up to $1,500 for accidental damage, theft, loss, or mechanical failure on eligible mobile devices. 

Additional perks & discounts 

The TD® Aeroplan® Visa Infinite Privilege* also includes various other perks like special access and discounts. Let’s take a look: 

  • Complimentary access to any Air Canada Maple Leaf Lounge in Canada and the U.S.
  • An annual round-trip companion pass for as low as $99 when you spend $25,000 on your card each year before the renewal date.
  • Sign up for NEXUS and get a rebate of $100 on the application fee every 4 years for you and any additional cardholders. 
  • Get 10% off car rentals through Avis and Budget in Canada and the U.S. Get 5% off car rentals through international Avis and Budget locations 
  • Get 2 Aeroplan Points per $1 spent with Rocky Mountaineer luxury train trips, and you could qualify for a GoldLeaf upgrade, and a hotel room upgrade.

Rates & fees on the TD® Aeroplan® Visa Infinite Privilege* Card

The interest rates of this card are standard on purchases and cash advances. Quebec residents may be subject to different rates. But you should probably sit down for the annual fee. This is a premium rewards credit card with an aggressive base earn rate, many insurance benefits, and tons of additional perks. 

The annual fee comes in at a whopping $599 for the primary cardholder and $199 for an additional cardholder. Yes, it’s a steep fee. But the insurance benefits and additional perks you get in return are almost unmatched. 

The Aeroplan program is arguably the best travel rewards program in Canada for frequent fliers, and the TD® Aeroplan® Visa Infinite Privilege* is one of the best Aeroplan credit cards in Canada , too. Points can be redeemed through Air Canada which is the largest airline carrier in the country. And they can also be redeemed on partner airlines. 

The TD® Aeroplan® Visa Infinite Privilege* card unlocks white-glove perks not available on other TD Aeroplan cards. According to the TD website, the welcome bonus points, additional travel benefits, and other discounts come to an eye-popping $2,700 value.

Are you eligible for the TD® Aeroplan® Visa Infinite Privilege* Card? 

Premium rewards cards are typically harder to qualify for, and the TD® Aeroplan® Visa Infinite Privilege* is no exception. To be eligible for this card, you need to have an annual personal income of at least $150,000, or an annual household income of at least $200,000. That alone puts this travel card out of reach for the average Canadian. 

You also need to be a permanent resident of Canada and the age of majority in the province or territory where you live. Generally, you need to have a good credit score to qualify for a premium card.  To lower the risk of rejection, the higher the score the better. Having said that, approval is never guaranteed and your application requires a hard credit check . 

Who is this card for? 

The TD® Aeroplan® Visa Infinite Privilege* card is definitely designed for high-income frequent fliers who prefer Air Canada. Several travel cards cater to this group, but the TD® Aeroplan® Visa Infinite Privilege* card makes it easier to earn Aeroplan points on essential purchases like gas, groceries, and Air Canada travel. 

Not only that, but this card has one of the highest base earn rates on all card purchases outside the accelerated points purchase categories. For travel addicts, the TD® Aeroplan® Visa Infinite Privilege* offers an incredibly robust suite of travel insurances with higher-than-average coverage amounts. 

This card is the perfect fit for Air Canada lovers who prefer the finer things in life, first-class treatment, and stress-free travel from start to finish. 

Rating the TD® Aeroplan® Visa Infinite Privilege* credit card

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Heidi Unrau

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TD First Class Travel® Visa Infinite* Card Review 2024

Updated: Mar 6, 2024, 3:51am

Fact Checked

Frequent travellers will find plenty of value in this card. Considering that it earns a minimum of 2 TD Rewards points on every dollar, it has flexible redemption options, plenty of insurance coverage, a travel credit of $100 when you book travel through Expedia ® for TD   and a birthday bonus of up to 10,000 points, it easily earns its spot in your wallet.

  • High earn rate for rewards with Expedia.
  • Exclusive travel benefits.
  • Expensive annual fee.
  • Low annual net rewards earnings for average spenders.

TD First Class Travel Visa Infinite Card Review

Table of Contents

Introduction, quick facts, td first class travel visa infinite card rewards, td first class travel visa infinite card benefits, how the td first class travel visa infinite card stacks up, methodology, is the td first class travel visa infinite card right for you, advertising disclosure.

  • Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
  • Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
  • Earn a Birthday Bonus of up to 10,000 TD Rewards Points†
  • Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
  • To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
  • This offer is not available for residents of Quebec.
  • † Terms and conditions apply.

The TD First Class Travel Visa Infinite Card is considered to be one of Canada’s higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential, a flexible rewards program, and a generous insurance package, it’s definitely worth considering if you are a frequent traveller.

The travel perks and benefits aren’t quite as inclusive as other high-end credit cards. The absence of lounge access is a big one to note. Another downside is that the points cannot be converted into other rewards programs. That being said, for its price point, it’s quite competitive and still gives good value.

  • Get an Annual Fee Rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.
  • Cardholders will earn points for every dollar spent with accelerated rates on groceries, restaurants, recurring bill payments and travel booked through Expedia® For TD.
  • Cardholders will benefit from an annual $100 travel credit when they book travel through Expedia® For TD as well as an annual birthday bonus of up to 10,000 TD Rewards Points.
  • Cardholders can redeem points for a range of options at any time as long as they have at least 200 TD points available.

Earning Rewards

Earning rewards with the TD First Class Travel Visa Infinite card is easy as you can earn on every purchase you make. Travel booked through Expedia For TD will earn you 8 TD rewards points per dollar spent. Eligible grocery and restaurant purchases will earn you 6 TD rewards points for every dollar spent. If you set up regularly recurring bill payments to your account you will earn 4 TD rewards points for every dollar spent. Meanwhile, all other purchases will earn 2 TD rewards points per dollar spent. Note that there is an annual spending cap of $25,000 for the accelerated categories. If you exceed the spending cap you will then earn 2 TD rewards points for every dollar spent.

Redeeming Rewards

Rewards can be redeemed at any point, in increments of 200 points. You can redeem them for options such as travel (you’ll get the best rewards value if you book through Expedia For TD), Amazon purchases, gift cards, cash credits, and education credits. Redeeming points is easy and the multiple rewards options are attractive. However, some other top-tier credit cards allow you to convert points to other programs like airline or hotel partners for more flexibility which this card is lacking.

Rewards Potential

Cardholders will get the best value for their points by booking travel through Expedia For TD. However, if you are someone who likes to book directly with hotels or airlines to get status points then it’s not the best rewards potential out there, since booking outside of Expedia For TD lowers the value of your points. With Expedia for TD, 200 points are equal to dollar. For travel booked outside of Expedia For TD, you need 250 points for that same dollar value.

That said, based on average Canadian spending, Forbes Advisor estimates this card could earn $127.34 in rewards value per year with Expedia and $111.67 with other travel partners (both calculations factor in the cost of the annual fee).

  • Comprehensive travel insurance coverage.
  • Discounts on car rentals with Avis and Budget Rent-A-Car.
  • Link your card to Starbucks Rewards to earn 50% more TD points and Starbucks Rewards on Starbucks purchases.

Interest Rates

  • Regular APR: 20.99%
  • Cash Advance APR: 22.99%
  • Foreign Transaction Fee: 2.50%
  • Annual Fee: $139 (Get an annual fee rebate in the first year; account must be approved by June 3, 2024)
  • Any other fees:  Additional cardholder $50.00 (To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024)

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Infinite* Privilege

While both travel cards, the TD Aeroplan Visa Infinite is a luxury travel card. The annual fee is a hefty $599, but it comes with considerably more perks and benefits. including lounge access and NEXUS card rebates. It also uses Aeroplan rewards rather than TD rewards. The TD Aeroplan Visa Infinite is a strong card, but it’s best for those who travel frequently and can offset the cost of the card with the included benefits.

TD First Class Travel ® Visa Infinite* Card vs. Scotiabank Scene+ Visa Card for Students

Students studying away from home may consider a travel card like the TD First Class Travel Visa Infinite Card to help offset the cost of flights home. However, with the annual fee and rewards earning potential, you might be better off sticking to a $0 annual fee card geared towards student spending. The Scotiabank Scene+ Visa card for students allows you to earn points that can be used for day-to-day expenses like dining out, entertainment and even banking.

TD First Class Travel ® Visa Infinite* Card vs. TD ® Aeroplan ® Visa Platinum* Card

With an annual fee of $89, the TD Aeroplan Visa Platinum is a bit more affordable. The earn rates aren’t as high, but it’s also a different rewards program. While TD Rewards points are best with Expedia, Aeroplan points are best with Air Canada. So your choice between these two cards should depend on who you are most likely to book travel with to get the best value for your points.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With the TD First Class Travel ® Visa Infinite*, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonuses and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The TD First Class Travel ® Visa Infinite* Card is a decent travel card . It’s easy to earn and redeem points and the suite of travel insurance is a huge perk. However, it has the best value for those who like to book their travel via Expedia. If you prefer to book directly with hotels or airlines or via other travel portals, then there are better travel credit cards out there where your rewards will go further.

Related : What is the best Canadian credit card

Frequently Asked Questions (FAQs)

Does the td first class travel visa infinite card have airline lounge access.

No, this card does not include airport lounge access .

Does the TD First Class Travel Visa Infinite Card have foreign exchange fees?

Yes, this credit card charges foreign exchange fees (or FX fees) at a rate of 2.5%. If you’re looking for a credit card without without foreign exchange fees , there are plenty available.

How many TD points do you need for a flight?

You need a minimum of 200 TD points to redeem them for rewards. If you book your flight through Expedia ® For TD the points value is 200 TD points per dollar.

Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

Hannah Logan is a Canadian freelancer writer and blogger who specializes in personal finance and travel. You can follow her adventures on her travel blog EatSleepBreatheTravel.com or find her on Instagram @hannahlogan21.

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Home » Credit Card Review: TD® Aeroplan® Visa Infinite Privilege* Card

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Credit Card Review: TD® Aeroplan® Visa Infinite Privilege* Card

The TD® Aeroplan® Visa Infinite Privilege* Card was recently voted as the best Ultra Premium credit card in Canada by readers of Rewards Canada in our 2022 Canada’s Choice awards . Now it receive the Rewards Canada review treatment!

The review of the TD Aeroplan Visa Infinite Privilege Card is broken down into the following sections:

  • Costs & Sign Up Features
  • Features & Benefits

What is good about this card

What is not so good about this card, who should get this card.

The TD® Aeroplan® Visa Infinite Privilege* Card is a card targeted towards Canadians who love to travel with Air Canada and want to avail of benefits that can make that travel more enjoyable. From providing the airport lounge access including Maple Leaf Lounges in North America to Priority Boarding and the ability to earn an annual companion pass, this card was developed with the Air Canada traveller in mind. That being said you don’t have to be a frequent Air Canada traveller to have this card – if you fly Air Canada even just several times per year the card could make sense for earning more Aeroplan points and taking advantage of the travel benefits for your flights.

Costs & Sign up Features

The TD Aeroplan Visa Infinite Privilege Card has an annual fee of $599. This may seem high however it is more than made up for with all the benefits and earning potential the card provides. You can add additional cardholders for $199 annually and those supplementary cardholders will avail of all the same benefits as the primary cardmember like lounge access etc.

Right now the TD Aeroplan Visa Infinite Privilege Card is offering a welcome bonus of up to 105,000 Aeroplan points . The bonus is awarded as 20,000 points when you make your first purchase card and then 30,000 Aeroplan points when you spend $3,000 within 90 days of Account opening. You can earn an additional 55,000 points when you spend $12,000 within 12 months of Account opening. This offer is available until January 3, 2023. This offer is not available for residents of Quebec. For Quebec residents, please click here .

Income requirements for the card are $150,000 annual personal income or $200,000 annual household income.

The card earns Aeroplan points and earns those points as follows

  • 2 Points per dollar spent on Air Canada Purchases (includes Air Canada Vacations)
  • 1.5 Points per dollar spent on eligible gas, grocery, travel and dining purchases
  • 1.25 Points per dollar spent on all other eligible purchases

The card also provides the ability to earn status points and segments that help you qualify for Air Canada Elite Status. You’ll earn 1,000 Status Qualifying Points and 1 Status Qualifying Segment for every $5,000 spent on the card.

Point Valuation Chart

This is where the strength of the Air Canada Aeroplan program comes through and makes the TD Aeroplan Visa Infinite Privilege Card shine. Aeroplan offers numerous redemption options but being a frequent flyer program the primary redemption option is reward flights on Air Canada and Aeroplan partner airlines. Overall you can redeem Aeroplan points to well over 13000 destinations Worldwide which is one of the reasons Aeroplan is so popular.

The new Aeroplan program has done away with their standard award charts (Classic Flights) that were the norm with the program since its inception in the 1980s. That being said, for travel on Air Canada, they do provide a range of points you could expect to redeem for flights on Air Canada with the claim that approximately 80% of redemptions will fall in that range but 20% could end up being less or more than what is published. Essentially what Air Canada has done is made the old Market Fare awards (any available seat at any time for a dynamic range of points) as their standard redemption model now for Air Canada flights. Flights on partner airlines will still follow a fixed price reward chart model. You can see all the redemption values in this PDF here .

What hasn’t changed in the Aeroplan program is the ability to redeem for Economy, Premium Economy, Business and First Class flights. With the latter three tending to provide outsized value when you compare to any other loyalty program in the market. Speaking of premium flights, just in case you didn’t know you can redeem Aeroplan points to fly in Etihad’s ultra luxurious Apartment first class seats. And the great news with the TD Aeroplan card (or any Aeroplan co-brand card) is that you receive preferred award pricing when you redeem points for flights. This discount varies by route, date, time etc. but we have seen it in the 10 to 30% range. The discount gets slightly bigger if you have Air Canada elite status but that only adds a few percentage points to the overall discount – the biggest portion does come from having the credit card.

On top of all this the new Aeroplan program no longer has to those dreaded carrier surcharges that could run into hundreds and sometimes thousands of dollars. While the surcharges have been done away on all airlines Aeroplan does charge a reasonable $39 fee for booking flights on partner airlines. The removal of the surcharges does however translate into an average higher cost in points for a lot of the redemption options albeit in many of our searches the increase in points is much less than what you used to have to pay for those surcharges.

We didn’t want to make this review go on forever so we have kept the redemption section to a very top level description however it you want to learn more about redeeming for flights with the Aeroplan program we recommend reading the following articles:

  • The New Air Canada Aeroplan program is now live
  • A guide to the new Air Canada Aeroplan program flight reward redemption process
  • The new Air Canada Aeroplan reward flight pricing compared: no status no credit card pricing versus elite status + credit card Preferred pricing

Finally you are also able to redeem Aeroplan points for non-flight rewards including hotels, car rentals, Air Canada Vacations packages, gift cards (soon to be electronic only so you’ll get them right away!), merchandise (the catalog is being expanded greatly thanks to partnerships with new retailers) and more.

Features and Benefits

The TD Aeroplan Visa Infinite Privilege Card is full of benefits and additional features that complement and go beyond the Aeroplan program. Some have already been mentioned – the preferred pricing on Aeroplan reward flights is one such benefit. As well as the elite status earning portion of the card and now will take a look at more of the benefits.

First Checked Bag Free on Air Canada flights

Probably the most popular benefit that has been added to all Aeroplan co-brand cards is the first checked bag free benefit. It is provided for the cardholder and up to 8 companions on the same reservation and it waives the fee associated with basic and standard economy class fares. This saves the cardholder $30 per bag on flights in Canada, to the U.S., Mexico & Caribbean. It will also save $70 per bag if you buy the cheapest economy basic fares to Europe. (Pricing was current as of November 2, 2022)

Share Air Canada Travel Benefits with additional cardholders

If you choose to add the fee based additional cards at $199 each those cardmembers will receive all the same Air Canada Travel Benefits as the primary cardholder. Note: the Priority Pass benefit is not extend to additional cardholders.

Airport Lounge Access

The card provides access to over 1,300 business class lounges in over 130 countries around the world. The lounge access benefits are as follows

  • Maple Leaf Lounges : Cardmembers have complimentary access for themselves and one guest to Maple Leaf Lounges (including the Air Canada Cafe) in North America. Access is available with a same day ticket on a departing Air Canada or Star AllianceTM flight.
  • Visa Airport Companion Program hosted by Dragonpass – Includes six (6) free visits annually. After you use up the 6 free visit you can pay US$32 per person to access lounges

Priority check in / boarding / baggage

The card provides Priority Check In for the cardmember and up to 8 guests on the same reservation. Priority Boarding falls into the Zone 2 Category for Air Canada flights and Priority Baggage will see your luggage come out first at your destination.

Priority airport standby

By having the TD Aeroplan Visa Infinite Privilege Card should a seat becomes available on a full-capacity flight, you’ll have priority access over other travelers with the same Aeroplan status and fare type

Priority airport upgrades

Elite or Super Elite status Cardmembers will receive higher priority when requesting eUpgrades by holding the TD Aeroplan Visa Infinite Privilege Card.

Annual worldwide companion pass

An Annual Worldwide Companion Pass is awarded after the primary cardmember spends more than $25,000 on net purchases in the 12 months prior to their Card anniversary date.

The pass can be used for travel to anywhere Air Canada flies with companion paying only $99 for flights in Canada & Continental U.S., $299 for Hawaii, Caribbean, Central America and Mexico, $499 for Africa, Europe, Middle East and South America, $599 for Asia, Australia and New Zealand. Taxes and fees are extra on top of those amounts

Rollover status qualifying miles

Primary Cardmembers who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQMs) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.

Rollover eUpgrade credits

Primary Cardmembers who also hold Aeroplan Elite Status and re-qualify for the next year, can roll over up to 50 unused eUpgrade credits, to be used during the following status year.

NEXUS Statement Credit

With the TD Aeroplan Visa Infinite Privilege Card you can receive up to $125 CAD in statement credits every four years when NEXUS application or renewal fees are charged to your Card.

Visa Infinite Privilege benefits

  • Visa Infinite Privilege Airport Benefits Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport – Priority Security Lanes at International and Domestic checkpoints (Toronto, Vancouver, Ottawa, Montreal-Trudeau) – Priority airport taxi and limo lane (Vancouver) – Access to dedicated premium parking spots (Vancouver, Ottawa) – Up to 20% off parking (Ottawa, Vancouver, Montreal-Trudeau)
  • Visa Infinite Luxury Hotel Collection provides benefits like room upgrades, complimentary Wi-Fi and breakfast, late checkout, and so much more at over 900 Visa Infinite Luxury Hotel Collection properties around the world.
  • Visa Infinite Dining Series – Each event includes multi-course meals, drink pairings and an interactive experience. You’ll get to taste dishes from some of the country’s top chefs and restaurants as they guide you through each course.
  • Wine country benefit from wineries across Ontario and British Columbia including complimentary tastings and tours. You can also get access to online offers like complimentary shipping and savings on wine purchases.
  • Get golf perks with Troon Rewards® through your Visa Infinite card and automatically receive Silver Status. You’ll save 10% on golf fees, merchandise, and lessons at over 150 courses around the world.
  • Access to private movie events and at-home offers as part of the Visa Infinite Screening Series. In the fall, get special perks at the Toronto International Film Festival®.
  • Visa Infinite Privilege cards include a Complimentary Concierge service that can offer help with anything like the perfect travel itinerary, restaurant recommendations, finding the perfect birthday gift, and more
  • RSVP Rewards Diamond Status: Enroll in the Visa RSVP Rewards Benefit and automatically receive Diamond status delivering benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.

The TD Aeroplan Visa Infinite Privilege Card comes with a very strong insurance package that includes the following:

  • Out of Province/Country Emergency Medical Insurance (31 days under 65, 4 days 65+)
  • Trip Cancellation Insurance
  • Trip Interruption Insurance
  • Flight Delay Insurance
  • Baggage Delay Insurance
  • Lost or Stolen Baggage Insurance
  • Car Rental Theft and Damage Insurance
  • Hotel Burglary Insurance
  • $500,000 Travel Accident Insurance
  • Purchase Protection Plan
  • Buyer’s Assurance Protection Plan
  • Mobile Device Insurance

Most things about this card good or even great!

The welcome bonus is great – at up to 105,000 Aeroplan points it is the highest available for Aeroplan co-brand cards. Those 105,000 points will be worth a minimum of $1,575 for most cardmembers if not more.

On the points side, you have really good earn rates of no less than 1.25 Aeroplan points per dollar spent. From our Point Valuation chart above you can see that your effective rate of return per dollar spent should range from 1.88% to over 10%. This is all dependent on what sort of flights you redeem for but you won’t find many cards giving potential returns like that!

The benefits, we spent a lot of time discussing them above but should point out the most popular and best are the first checked bag free and the Maple Leaf Lounge access.

Being a Visa card you can count on the card being accepted almost everywhere – the only big name merchant not accepting Visa in Canada is Costco. Outside of that you should be golden having this card accepted!

There isn’t too much that is bad about this card outside of your traditional frequent flyer program issues. In fact the issues lie more with Aeroplan than the card itself. There is less flexibility when it comes to economy class flights when you compare Aeroplan to many of the proprietary credit card reward programs. Some of the other top programs allow you to book flights on any airline at anytime including low cost airlines such as Flair Airlines. You are strictly limited to redeeming on Air Canada and their partner airlines. In terms of business or first class pricing – the dynamic pricing of late has seen some very high points requirements that can put these awards out of reach.

Although you have access to any available seat at any time you are still competing for a more finite amount of seats and routes when compared to any airline any flight credit card programs. Want to redeem for travel during Christmas season? You’ll be up against a lot of other Aeroplan members and regular revenue ticket buyers which will most likely bump up the cost in points for those flights. That’s the one downfall there is the potential to have to spend a lot of Aeroplan points for the redemption you want due to the dynamic pricing of reward flights (but on the flip side it can be the opposite)

The $599 annual fee is definitely something to consider – it is on the higher end of publicly available cards in Canada. If you cannot avail of the benefits this card provides it can be hard to justify that high of fee. You may want to look at the Premium level of Aeroplan cards that have annual fees under $200.

While the earn rates are really decent if you are all about earning the most Aeroplan points possible there are cards in the market that can earn even more than this card. Namely the American Express Cobalt Card and ideally if you want an awesome card combo for flying with Air Canada and earning the most points possible you would get the Cobalt Card in addition to the TD Aeroplan Visa Infinite Privilege Card.

  • Individuals, couples or families who fly Air Canada semi-frequently but not enough to have status benefit but want their experience flying with Air Canada elevated with Priority Boarding, Lounge Access, First checked bag free etc.
  • Air Canada flyers / Aeroplan members who don’t have lounge access and want to visit Maple Leaf lounges in North America
  • Aeroplan Elite Status members who may come up shy of reaching the next elite level from their flying alone
  • People who have a lot spend in non-accelerated categories. Being able to receive 1.25 Aeroplan points as your base earn rate can translate to some outsized returns when redeeming for business class or higher flights.

If Air Canada and Aeroplan are your go to airline and loyalty program and you want extra benefits when you fly with them, this card which was voted as the Top Ultra Premium Card for 2022 should be your choice. With strong points earn rates, amazing benefits and a full suite of insurance coverage this card has you covered. You’ll access Maple Leaf lounges in major Canadian cities and several US cities, get priority boarding and more. Basically you are getting elite status benefits without the need for being an elite status member.

Click here to learn more or to apply for the TD ® Aeroplan ® Visa Infinite Privilege* Card

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TD ® Aeroplan ® Visa Infinite Privilege* Credit Card   🇨🇦

  • Air Canada Benefits
  • NEXUS Credit
  • Access to VIP Lounges

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Earn up to $2,900 in value † , including up to 85,000 Aeroplan points (enough for a round trip to Honolulu † ) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

  • Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card †
  • Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening †
  • Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening †

Additional Travel Benefits

  • Enroll for NEXUS and once every 48 months get an application fee rebate †
  • Share first free checked bags with up to 8 travel companions † and get unlimited access to Maple Leaf Lounges † including complimentary access for one guest.
  • Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program. †
  • Earn 2 points † for every $1 spent on eligible purchases made direct through Air Canada ® purchases (including Air Canada Vacations ® )
  • Earn 1.5 points † for every $1 spent on eligible gas, grocery, travel and dining purchases
  • Earn 1.25 points † for every $1 spent on all other purchases made with your Card
  • Earn points twice † when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Earn Aeroplan Points on your everyday purchases
  • Redeem your points for travel and more.
  • Take advantage of an extensive suite of travel insurance † .
  • Get access to Priority Airport Services † like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades † .
  • Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges) † .
  • Complimentary Visa Infinite Concierge † : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
  • Global Airport Lounge Access † : Receive a complimentary membership to the Visa Airport Companion † Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
  • Visa Infinite Luxury Hotel Collection † : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.

Card Awards

Fees & conditions.

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 85,000 Aeroplan points † :

  • 20,000 Aeroplan points when you make your first purchase with your new card †
  • $100 NEXUS fee rebate †
  • Access to Air Canada Maple Leaf lounge †
  • 6 annual visits to airport lounge members of the Visa Airport Companion † Program hosted by Dragonpass International Ltd.
  • Up to eight passengers travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight †

It’s the best TD credit card for Air Canada frequent flyers.

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you earn 1.5 points † per dollar for:

  • Grocery stores
  • Gas stations
  • travel purchases
  • Dining purchases

And 2 points † per dollar for Air Canada, including Air Canada Vacations. Everywhere else, you’ll get 1.25 points † per dollar.

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  • TD Aeroplan Privilege Visa Infinite Card Offer: Up To 85,000 Points †
  • TD: How to get started with the TD Aeroplan Visa Infinite Privilege Card
  • What are the advantages of Visa Infinite Privilege credit cards in Canada?

Alternative Cards

  • Great Welcome Offer
  • Card Details

Earn up to $1,200 in value † , including up to 50,000 Aeroplan points † (enough for a round trip to New York City † ) and additional travel benefits. Account must be approved by June 3, 2024.

  • 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 $6,000 within 180 days of Account opening †
  • Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening †
  • Plus, share free first checked bags with up to 8 travel companions †
  • Earn 1.5 points † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations ® ) made with your card
  • Earn 1 point † for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD ® Aeroplan ® Visa Infinite* Cardholder in good standing.
  • Earn big rewards on the little things : Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks ® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks ® Rewards account. Conditions apply.
  • Travel lightly through the airport and save on baggage fees † : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
  • Visa Infinite Luxury Hotel Collection † : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

† Terms and conditions apply.

  • Primary card $139
  • Additional card $75
  • Individual $60,000
  • Household $100,000
  • Purchase Rates 20.99 % 20.99 % (QC)
  • Cash Advance Rates 22.99 % 20.99 % (QC)
  • Balance Transfer Rates 22.99 % 20.99 % (QC)
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  • Groceries 1.5 Aeroplan Points
  • Gas 1.5 Aeroplan Points
  • Air Canada 1.5 Aeroplan Points
  • Year 1 $1,425
  • Year 2+ $425
  • Annual Credit
  • VIP Lounges
  • Travel credit

Earn up to $500 in value † including up to 20,000 Aeroplan points † and no annual fee for the first year. Conditions apply. Account must be approved by September 3, 2024.

  • Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening †
  • 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 September 4, 2024.

  • Earn 1 point † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point † for every $1.50 spent on all other eligible purchases† made with your Card
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Platinum* Cardholder
  • Primary card $89
  • Additional card $35
  • Individual $0
  • Household $0
  • Groceries 1 Aeroplan Point
  • Gas 1 Aeroplan Point
  • Air Canada 1 Aeroplan Point
  • Year 1 $866
  • Year 2+ $288
  • 2X points on all purchases
  • Premium Insurance
  • Visa Infinite Benefits

Earn up to $800 in value † , including up to 100,000 TD Rewards Points , no Annual Fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.

  • Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card †
  • Earn 80,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
  • Earn a Birthday Bonus of up to 10,000 TD Rewards Points †
  • Get an annual TD Travel Credit † of $100 when you book at Expedia® For TD.

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. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by June 4, 2024.

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

  • Earn 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD †
  • Earn 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
  • Earn 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
  • Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

  • An extensive suite of travel insurance coverages which helps you travel prepared
  • No travel blackouts † , no seat restrictions † and no expiry † for your TD Rewards Points as long as your account is open and in good standing.

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .

  • Additional card $50
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  • Expedia For TD: How To Redeem TD Rewards Points?
  • Groceries 6 TD Rewards Points
  • Dining and Food delivery 6 TD Rewards Points
  • Recurring Payments 4 TD Rewards Points
  • Year 1 $1,149
  • Year 2+ $371

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Priority Pass App

  • Accessibility

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  • Book Travel
  • Credit Cards

T.J. Dunn

DragonPass Lounge Access with Visa and Mastercard Products

DragonPass is the exclusive provider of lounge access for Mastercard and Visa products in Canada.

In This Post

What is dragonpass, which credit cards provide free dragonpass memberships, how to enroll in dragonpass, how to access dragonpass lounges, which lounges are accessible via dragonpass in canada, which dragonpass lounges are available globally.

DragonPass is a Guangzhou-based travel services provider, best known for its lounge memberships. Under its network, it lists 1,300+ lounges and 1,000+ restaurants in 700 airports worldwide.

For some time, DragonPass has been the lounge partner of Visa products in certain markets, such as Asia-Pacific and Europe. In Canada, DragonPass became the sole provider of lounge access on Visa and Mastercard products in 2022.

It’s worth noting that Canadian credit card issuers market DragonPass lounge memberships under the Visa Airport Companion Program and Mastercard Travel Pass, which we’ll discuss in detail below.

As mentioned, DragonPass is the exclusive lounge access partner of Visa and Mastercard in Canada.

Through these partnerships, select credit cards provide complimentary DragonPass memberships, with the only requirement being that you have one of those credit cards.

Visa cardholders can access DragonPass memberships through the Visa Airport Companion Program, which is available as an app on the Apple App Store and Google Play.

The Canadian-issued Visa cards that provide the cardholder with a complimentary DragonPass membership, as well as a specific number of free visits each year, are as follows:

  • BMO eclipse Visa Infinite Privilege* Card,  six complimentary visits
  • CIBC Aeroplan ® Visa Infinite Privilege* Card,  six complimentary visits
  • CIBC Aventura ® Visa Infinite Privilege* Card , six complimentary visits
  • CIBC Aventura ® Visa Infinite* Card, four complimentary visits
  • CIBC Aventura ® Gold Visa Card, four complimentary visits
  • Desjardins Odyssey Visa Infinite Privilege Card , six complimentary visits
  • RBC ® Avion Visa Infinite Privilege†,  six complimentary visits
  • Scotiabank Passport Visa Infinite Card , six complimentary visits
  • Scotiabank Passport Visa Infinite Business Card , six complimentary visits
  • TD ® Aeroplan ® Visa Infinite Privilege* Card, six complimentary visits
  • Vancity enviro Visa Infinite Privilege Card, six complimentary visits (closed for new applications)
  • RBC ® Avion ® Visa Infinite Business (no complimentary visits)

Visits exceeding the complimentary access are charged $32 (USD) per person. The same fee applies for cards with a pay-per-visit membership.

Many Canadian-issued World Elite Mastercards come with a complimentary DragonPass membership as a perk. However, even with the free DragonPass membership, you’ll still have to pay $32 (USD) to access the applicable lounges most of the time.

The following Canadian World Elite Mastercards offer a complimentary DragonPass membership. Unless otherwise noted, no free visits are included with the membership.

  • Air France KLM World Elite Mastercard
  • ATB World Elite Mastercard
  • BMO AIR MILES ® † World Elite ® * Business Mastercard ® *
  • BMO AIR MILES ® † World Elite ® * Mastercard ® *
  • BMO Ascend World Elite Mastercard , four complimentary visits
  • BMO CashBack ® World Elite ® * Mastercard ® *
  • BMO World Elite Business Mastercard , two complimentary visits
  • Brim World Elite Mastercard
  • Brim World Mastercard
  • Cathay World Elite ® Mastercard ® – powered by Neo
  • Desjardins Cash Back World Elite Mastercard
  • Desjardins Odyssey World Elite Mastercard
  • HSBC World Elite Mastercard (closed for new applications)
  • RBC ® Cash Back Preferred World Elite Mastercard
  • Rogers World Elite ® Mastercard ®
  • Tangerine World Mastercard
  • WestJet RBC ® World Elite Mastercard

As with the Visa cards, visits exceeding the complimentary access allotments are charged $32 (USD) per person. The same fee applies for cards with a pay-per-visit membership.

Customers eligible for complimentary enrollment with DragonPass from their Visa or Mastercard must first register prior to receiving lounge access.

Visa Airport Companion Program

To activate your DragonPass membership as an eligible Visa cardholder, simply head to the Visa Airport Companion Program website or enroll using the Visa Airport Companion app. The process is fairly quick, and you’ll be given a membership number with immediate access to applicable lounges.

First, you’ll need to enter your card information to confirm your eligibility. If you have an eligible card, you’ll then need to fill in your personal information and create a password. 

Once you’ve successfully registered, you can view your digital DragonPass card on your account dashboard, as well as a tracker indicating how many complimentary lounge visits you have remaining.

Note that you may add more than one membership with a single account. This means that you can switch between memberships from different credit cards and access your free passes from each one.

Mastercard Travel Pass

Similarly, if you need to activate your DragonPass membership as an eligible World Elite Mastercard cardholder, head to the Mastercard Travel Pass website or use the Mastercard Travel Pass app.

On the website, select “Register” and enter in your card information to confirm your eligibility.

Then, enter in your personal information, create a password, and you’re all set! You’ll be given a membership number instantly. 

Like the Visa Airport Companion Program, you can also add more than one membership into Mastercard Travel Pass and switch them to access your free passes on each one.

In order to access airport lounges after you’ve enrolled, simply open your Visa or Mastercard app and present your QR code to the lounge’s front desk staff. You won’t be sent a physical card, and you can’t use your credit card to enter, so you must set up your app and QR code beforehand.

If you need to pay for your visit, the credit card attached to the DragonPass membership you’re using will automatically be charged. However, the lounge staff will likely inform you of the fee, or you can ask proactively to be sure.

You’ll also need to show an eligible same-day boarding pass. In many cases, you may present a boarding pass for a flight you’ve arrived on at your arrival airport, but there’s always a chance that you’ll be turned away.

One thing to note is that individual lounges reserve the right to turn away DragonPass members if the lounge is overcrowded. That’s one of the drawbacks to lounge memberships like this – if the program gets too popular, certain lounges might not have enough room to accommodate everybody.

You should also keep in mind that lounges will always prioritize business class or First Class passengers over DragonPass or other lounge memberships. There’s always a chance that you’ll be turned away if you’re trying to enter a few hours before a flight the lounge is contracted to service.

In Canada, DragonPass has access to all Plaza Premium Lounges, as well as most independently operated lounges, outlined as follows:

  • Toronto Pearson (YYZ) :  KLM Crowne Lounge  (International),  Plaza Premium Lounge (Terminal 1, Domestic),  Plaza Premium Lounge (Terminal 3, Domestic),  Plaza Premium Lounge (Terminal 1, International) ,  Plaza Premium Lounge (Terminal 3, International),  Plaza Premium Lounge (Terminal 1, Transborder), Plaza Premium Lounge (Terminal 3, Transborder)
  • Toronto Billy Bishop (YTZ):   Aspire Lounge/Air Canada Café
  • Vancouver (YVR) :  SkyTeam Lounge (International), Plaza Premium Lounge (Domestic, Pier C),  Plaza Premium Lounge (Domestic) , Plaza Premium Lounge (International),  Plaza Premium Lounge (Transborder)
  • Montreal (YUL):  National Bank Lounge (International) ,  Air France Lounge and KLM Lounge (International)
  • Calgary (YYC) :  WestJet Elevation Lounge  (Domestic/International), Aspire Lounge (International), Aspire Lounge (Transborder)
  • Edmonton (YEG):  Plaza Premium Lounge (Domestic & International) , Plaza Premium Lounge (Transborder)
  • Ottawa (YOW):  Aspire Salon Lounge (Domestic/International)
  • Quebec City (YQB):  V.I.P. Lounge by Club Med
  • Winnipeg (YWG):   Plaza Premium Lounge

As mentioned, DragonPass lists a network of 1,300+ lounges in 700 airports worldwide. A list of accredited lounges, as well as location, details on the services provided, and hours of operation for each one, can be found on the Visa Airport Companion or Mastercard Travel Pass app.

Note that restaurants that provide credit in lieu of lounge access are generally not included with DragonPass memberships from credit cards.

Also conspicuously missing from the list are The Club Lounges in the US and Chase Sapphire Lounges, since those are operated by the Collinson Group, the owner of DragonPass rivals Priority Pass and Lounge Key.

Still, there are lounges that are accessible with DragonPass but not Priority Pass, such as the Air Canada Maple Leaf Lounge in Frankfurt (FRA) and the KIX North Lounge in Osaka (KIX).

Airport lounge access is a great perk for travellers, and having it included as part of a credit card’s suite of benefits enhances the overall travel experience.

In Canada, DragonPass is the sole lounge access provider for Visa and Mastercard products. Some come with just a membership, and you have to pay per visit, while others come with a handful of lounge visits each year.

If you have an eligible card, be sure to register for the Visa Airport Companion Program or Mastercard Travel Pass, and then enjoy free food and drinks on your next visit to the airport.

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  • Earn 1x 2x Scene+ points on groceries, dining, entertainment, and transit
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10 Tricks to Easily Get Airport Lounge Access, According to an Airline Miles Expert

Posted: September 9, 2023 | Last updated: September 9, 2023

<p> You can completely upgrade your airport experience by passing the time in an amazing airport lounge. </p> <p> We’re talking about opportunities to sit and relax away from busy waiting areas while enjoying free food and beverages. Even better, getting in doesn’t have to cost you an arm and a leg. </p> <p> For over a decade, I’ve been using credit card benefits as one of my <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=13334&synd_backlink_title=travel+planning+secrets&synd_backlink_position=1&synd_slug=top-travel-credit-cards">travel planning secrets</a> to get to some destinations nearly free of charge. Here are some simple ways you can boost your airport experience, too. </p> <p>  <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=1&synd_postid=13334&synd_backlink_title=Compare+the+best+travel+credit+cards+for+nearly+free+travel&synd_backlink_position=2&synd_slug=top-travel-credit-cards">Compare the best travel credit cards for nearly free travel</a>   </p>

You can completely upgrade your airport experience by passing the time in an amazing airport lounge.

We’re talking about opportunities to sit and relax away from busy waiting areas while enjoying free food and beverages. Even better, getting in doesn’t have to cost you an arm and a leg.

For over a decade, I’ve been using credit card benefits as one of my travel planning secrets to get to some destinations nearly free of charge. Here are some simple ways you can boost your airport experience, too.

Compare the best travel credit cards for nearly free travel

<p> One of the easiest ways to get lounge access is having a credit card that provides an airport lounge benefit. </p> <p> In many cases, that’s your key to gaining access to a network of over a thousand airport lounges worldwide. And you often don’t have to do much more than qualify for a specific credit card and enroll in the lounge benefit. </p> <p>Many <a href="https://financebuzz.com/top-travel-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=2&synd_postid=13334&synd_backlink_title=top+travel+credit+cards&synd_backlink_position=3&synd_slug=top-travel-credit-cards">top travel credit cards</a> also provide airport lounge access as a benefit. </p> <p>  <p class=""><a href="https://financebuzz.com/extra-newsletter-signup-testimonials-synd?utm_source=msn&utm_medium=feed&synd_slide=2&synd_postid=13334&synd_backlink_title=Get+expert+advice+on+making+more+money+-+sent+straight+to+your+inbox.&synd_backlink_position=4&synd_slug=extra-newsletter-signup-testimonials-synd">Get expert advice on making more money - sent straight to your inbox.</a></p>  </p>

Use a credit card with lounge access

One of the easiest ways to get lounge access is having a credit card that provides an airport lounge benefit.

In many cases, that’s your key to gaining access to a network of over a thousand airport lounges worldwide. And you often don’t have to do much more than qualify for a specific credit card and enroll in the lounge benefit.

Many top travel credit cards  also provide airport lounge access as a benefit.

Get expert advice on making more money - sent straight to your inbox.

<p> If you don’t currently qualify for a credit card with airport lounge access, that doesn’t have to be the end of your airport lounge story. </p> <p> It’s possible to have a friend or family member add you as an authorized user on one of their credit cards that provides lounge access. Depending on the card, this might cost you a fee each year. </p> <p> But you typically receive your own physical credit card and don’t have to be with the primary cardholder to access applicable airport lounges. So you can travel on your own and still enjoy lounge access benefits. </p>

Become an authorized user

If you don’t currently qualify for a credit card with airport lounge access, that doesn’t have to be the end of your airport lounge story.

It’s possible to have a friend or family member add you as an authorized user on one of their credit cards that provides lounge access. Depending on the card, this might cost you a fee each year.

But you typically receive your own physical credit card and don’t have to be with the primary cardholder to access applicable airport lounges. So you can travel on your own and still enjoy lounge access benefits.

<p> If you typically travel with a friend or family member with a premium travel card, you can enter airport lounges with them as a guest. </p> <p> Access depends on the card, but many premium travel credit cards provide free access for a certain number of guests. Sometimes, you might have to pay a discounted rate to enter as a guest. </p> <p>  <a href="https://financebuzz.com/ways-to-travel-more?utm_source=msn&utm_medium=feed&synd_slide=4&synd_postid=13334&synd_backlink_title=6+ways+to+build+a+life+where+you+can+travel+any+time+you+want&synd_backlink_position=5&synd_slug=ways-to-travel-more">6 ways to build a life where you can travel any time you want</a>  </p>

Enter as a guest

If you typically travel with a friend or family member with a premium travel card, you can enter airport lounges with them as a guest.

Access depends on the card, but many premium travel credit cards provide free access for a certain number of guests. Sometimes, you might have to pay a discounted rate to enter as a guest.

6 ways to build a life where you can travel any time you want

<p> You can join a third-party lounge program like Priority Pass or DragonPass that will give you access to its worldwide network.  </p> <p> These types of memberships could cost upwards of a few hundred dollars annually, but you typically have multiple plan options depending on how often you travel. </p><p>For example, you might consider a cheaper plan if you only think you’ll visit lounges a few times per year. </p>

Consider a third-party lounge membership

You can join a third-party lounge program like Priority Pass or DragonPass that will give you access to its worldwide network.

These types of memberships could cost upwards of a few hundred dollars annually, but you typically have multiple plan options depending on how often you travel. 

For example, you might consider a cheaper plan if you only think you’ll visit lounges a few times per year.

<p> Apart from third-party lounge memberships, you can also purchase lounge memberships directly from airline loyalty programs. </p> <p> For example, you can purchase a Delta Sky Club membership if you’re a Delta SkyMiles Medallion Member. The membership would give you access to over 50 Delta Sky Club locations. </p> <p>You can typically use cash or miles to purchase an airline lounge membership. Using miles for a membership might not give you the best redemption rate (redeeming miles for travel is often better), but it could help if you're flush with airline miles and don’t want to spend extra.  </p> <p>  <a href="https://financebuzz.com/ways-to-make-extra-money?utm_source=msn&utm_medium=feed&synd_slide=6&synd_postid=13334&synd_backlink_title=13+legit+ways+to+make+extra+cash&synd_backlink_position=6&synd_slug=ways-to-make-extra-money">13 legit ways to make extra cash</a>  </p>

Buy an airline lounge membership

Apart from third-party lounge memberships, you can also purchase lounge memberships directly from airline loyalty programs.

For example, you can purchase a Delta Sky Club membership if you’re a Delta SkyMiles Medallion Member. The membership would give you access to over 50 Delta Sky Club locations.

You can typically use cash or miles to purchase an airline lounge membership. Using miles for a membership might not give you the best redemption rate (redeeming miles for travel is often better), but it could help if you're flush with airline miles and don’t want to spend extra.

13 legit ways to make extra cash

<p> Many airport lounges offer the option to pay for a one-time pass to enter, allowing you to enjoy a lounge without having a particular credit card, membership, or other access. </p> <p> Note that you have to research individual lounges to see if they allow one-time entries and how much they might cost. Whether paying for a day pass is worth it depends on how much you’re willing to spend if you have a long layover and what amenities the lounge offers. </p> <p> For instance, if you’re about to spend $30 on airport food anyway, it might be worth spending $35 to get into a lounge that offers unlimited food and beverages. </p>

Buy a day pass

Many airport lounges offer the option to pay for a one-time pass to enter, allowing you to enjoy a lounge without having a particular credit card, membership, or other access.

Note that you have to research individual lounges to see if they allow one-time entries and how much they might cost. Whether paying for a day pass is worth it depends on how much you’re willing to spend if you have a long layover and what amenities the lounge offers.

For instance, if you’re about to spend $30 on airport food anyway, it might be worth spending $35 to get into a lounge that offers unlimited food and beverages.

<p> Business and first-class travelers enjoy excellent in-flight amenities, often including more legroom and better service. These premium fares can also grant them complimentary access to specific airport lounges. </p> <p> If you plan on booking a premium ticket, consider whether you receive airport lounge access at your departure airport. You can check with the airline operating your flight to see if your ticket provides any lounge benefits. </p>

Fly premium class

Business and first-class travelers enjoy excellent in-flight amenities, often including more legroom and better service. These premium fares can also grant them complimentary access to specific airport lounges.

If you plan on booking a premium ticket, consider whether you receive airport lounge access at your departure airport. You can check with the airline operating your flight to see if your ticket provides any lounge benefits.

<p> You can book one-time lounge passes to specific lounges using the LoungeBuddy mobile app.  </p> <p> The app is an easy way to see how much it might cost to access specific lounges and take care of your lounge access before you even get to the airport. </p> <p>LoungeBuddy can be a great way to research what lounges and amenities are available at airports worldwide, especially if you already have access to specific lounge networks with credit cards or memberships.  </p> <p>  <a href="https://financebuzz.com/southwest-booking-secrets?utm_source=msn&utm_medium=feed&synd_slide=9&synd_postid=13334&synd_backlink_title=9+nearly+secret+things+to+do+if+you+fly+Southwest&synd_backlink_position=7&synd_slug=southwest-booking-secrets">9 nearly secret things to do if you fly Southwest</a>  </p>

Search for lounge access with LoungeBuddy

You can book one-time lounge passes to specific lounges using the LoungeBuddy mobile app.

The app is an easy way to see how much it might cost to access specific lounges and take care of your lounge access before you even get to the airport.

LoungeBuddy can be a great way to research what lounges and amenities are available at airports worldwide, especially if you already have access to specific lounge networks with credit cards or memberships.

9 nearly secret things to do if you fly Southwest

<p> Earning a high elite status tier with specific airline loyalty programs could provide you with a certain level of airport lounge access.  </p> <p> For example, qualifying AAdvantage Executive Platinum, AAdvantage Platinum Pro, and AAdvantage Platinum members can access Admirals Clubs on flights between the U.S. and Asia, Australia, Europe, South America, and many other regions of the world. </p> <p> If you fly a lot with a particular airline, it is worth looking into what airport lounge benefits are available if you earn a certain elite status. </p>

Earn elite status

Earning a high elite status tier with specific airline loyalty programs could provide you with a certain level of airport lounge access.

For example, qualifying AAdvantage Executive Platinum, AAdvantage Platinum Pro, and AAdvantage Platinum members can access Admirals Clubs on flights between the U.S. and Asia, Australia, Europe, South America, and many other regions of the world.

If you fly a lot with a particular airline, it is worth looking into what airport lounge benefits are available if you earn a certain elite status.

<p> Many airport lounge networks offer complimentary access to active duty, uniformed military members. </p> <p> Of course, the rules can vary by lounge, and your actual experience with entering specific lounges can vary depending on the employee(s) there that day. </p> <p> But, in any case, active duty members can often access both Admirals Clubs and United Clubs. Military members and their spouses can often get annual fees waived on several travel credit cards. </p><p>For military personnel, accessing different lounge networks through credit card benefits is possible if you’re an eligible military service member or spouse. </p>

Take advantage of your military status

Many airport lounge networks offer complimentary access to active duty, uniformed military members.

Of course, the rules can vary by lounge, and your actual experience with entering specific lounges can vary depending on the employee(s) there that day.

But, in any case, active duty members can often access both Admirals Clubs and United Clubs. Military members and their spouses can often get annual fees waived on several travel credit cards. 

For military personnel, accessing different lounge networks through credit card benefits is possible if you’re an eligible military service member or spouse.

<p> Getting into airport lounges is easy if you plan ahead and follow tips to secure your lounge access. </p> <p> And with the right credit card benefits, you don’t have to worry about paying to enter incredible lounges. </p> <p> If you’re just starting with rewards cards, check out the <a href="https://financebuzz.com/top-credit-cards?utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=13334&synd_backlink_title=top+credit+cards&synd_backlink_position=8&synd_slug=top-credit-cards">top credit cards</a> to find the right fit. </p> <p>  <p class=""><b>More from FinanceBuzz:</b></p> <ul> <li><a href="https://www.financebuzz.com/shopper-hacks-Costco-55mp?utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=13334&synd_backlink_title=6+genius+hacks+Costco+shoppers+should+know&synd_backlink_position=9&synd_slug=shopper-hacks-Costco-55mp">6 genius hacks Costco shoppers should know</a></li> <li><a href="https://financebuzz.com/recession-coming-55mp?utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=13334&synd_backlink_title=9+things+you+must+do+before+the+next+recession.&synd_backlink_position=10&synd_slug=recession-coming-55mp">9 things you must do before the next recession.</a></li> <li><a href="https://financebuzz.com/offer/bypass/637?source=%2Flatest%2Fmsn%2Fslideshow%2Ffeed%2F&aff_id=1006&aff_sub=msn&aff_sub2=&aff_sub3=&aff_sub4=feed&aff_sub5=%7Bimpressionid%7D&aff_click_id=&aff_unique1=%7Baff_unique1%7D&aff_unique2=&aff_unique3=&aff_unique4=&aff_unique5=%7Baff_unique5%7D&rendered_slug=/latest/msn/slideshow/feed/&contentblockid=2708&contentblockversionid=18929&ml_sort_id=&sorted_item_id=&widget_type=&cms_offer_id=637&keywords=&utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=13334&synd_backlink_title=Can+you+retire+early%3F+Take+this+quiz+and+find+out.&synd_backlink_position=11&synd_slug=offer/bypass/637">Can you retire early? Take this quiz and find out.</a></li> <li><a href="https://financebuzz.com/extra-newsletter-signup-testimonials-synd?utm_source=msn&utm_medium=feed&synd_slide=12&synd_postid=13334&synd_backlink_title=9+simple+ways+to+make+up+to+an+extra+%24200%2Fday&synd_backlink_position=12&synd_slug=extra-newsletter-signup-testimonials-synd">9 simple ways to make up to an extra $200/day</a></li> </ul>  </p>

Bottom line

Getting into airport lounges is easy if you plan ahead and follow tips to secure your lounge access.

And with the right credit card benefits, you don’t have to worry about paying to enter incredible lounges.

If you’re just starting with rewards cards, check out the top credit cards to find the right fit.

More from FinanceBuzz:

  • 6 genius hacks Costco shoppers should know
  • 9 things you must do before the next recession.
  • Can you retire early? Take this quiz and find out.
  • 9 simple ways to make up to an extra $200/day

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Home  /  Canadian Credit Cards  /  Travel Rewards Credit Cards in Canada

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Travel Rewards Credit Cards in Canada

What is a travel credit card.

A Travel Credit Card is like other credit cards, except it allows you to earn travel Rewards Points on everyday purchases. Points can then be redeemed for flights, hotels and other eligible rewards items. A Travel Credit Card is an ideal choice for people who travel and are looking to optimize their spending.

Compare the Best TD Credit Cards for Travel Rewards points

Td first class travel® visa infinite* card.

td travel visa airport lounge

Earn up to $800 in value FCT-ROC-18 , including up to 100,000 TD Rewards Points UDI-NQ-EN-11  and no Annual Fee for the first year UDI-NQ-EN-11 . Conditions Apply. Account must be approved by June 3, 2024.

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TD Platinum Travel Visa* Card

td travel visa airport lounge

Earn up to $370 in value UDINQEN13SUP18 , including up to 50,000 TD Rewards Points UDINQEN13  and no Annual Fee for the first year UDINQEN13 . Conditions Apply. Account must be approved by September 3, 2024.

TD Rewards Visa* Card

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Earn a value of $50 UDINQEN14 , UDINQEN14plus in TD Rewards Points to use on eligible Amazon.ca purchases plus, no Annual Fee. Conditions Apply. Account must be approved by June 3, 2024.

TD Business Travel Visa* Card

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Earn a value of up to $1,122 d1 ,   d25   in TD Rewards Points (that's up to 175,000 TD Rewards Points) d1  with no Annual Fee in the first year d1 . Conditions Apply.  Account must be opened by June 3, 2024.

Benefits of a TD travel credit card

Aside from travel Rewards Points, you also enjoy additional perks - depending on the card you choose.

Affordable travel

If you love to globe-trot, a good travel credit card can make it more affordable without having to change your spending habits.

Redemption flexibility

You have the flexibility to choose how you want to redeem the points you've earned, whether on everyday perks or for travel.

Shop with confidence

Your Travel Credit Card allows you to make purchases safely and securely without the need for cash while travelling.

Travel with peace of mind

TD’s fraud detection systems can detect suspicious or unauthorized transactions, giving you the same security - home & abroad.

How to choose a travel credit card

You have a lot of choices when it comes to finding the best credit card for Travel Rewards Points, so it helps to know what to look for to get the most out of your card and your reward points.

Earning TD Rewards Points Choose a Travel Credit Card that best suits your spending habits. TD Travel Rewards Credit Cards are designed to help you achieve travel goals sooner by earning Rewards Points on everyday purchases.

Additional benefits There can sometimes be additional perks worth investigating. TD Travel Rewards Credit Cards come with exciting travel benefits such as Discounts and savings on rentals from Avis Rent-A-Car and Budget Rent-A-Car. You can also earn 50% more TD Rewards Points at participating Starbucks® stores. Conditions apply.  Learn more .

Frequently Asked Questions

How do travel credit cards work.

Travel credit cards work like other rewards credit cards, except they award TD Rewards Points to cardholders for making travel-related purchases and offer them travel-related rewards. Travel rewards points are awarded when eligible purchases are made. Travel credit cards may include features like travel insurance and airport lounge access. Check the cardholder agreement for details.

What travel benefits come with TD travel credit cards?

TD travel credit cards have various built-in travel insurance benefits such as Flight/Trip Delay Insurance or Travel Medical Insurance and Emergency Travel Assistance Services may also be included. Review your Cardholder agreement for more details.

What is a TD Rewards Point worth?

TD Rewards Points have great value in travel savings. Every 200 TD Rewards Points redeemed is worth $1 in travel savings off the cost of travel purchases made through Expedia® for TD. Redemptions can only be made in 200 TD Rewards Points increments.

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Annual interest rates, fees and features are current as of March 5, 2024 unless otherwise indicated and subject to change.

  • $189: Annual Fee Rebate for the Primary ($139) and first Additional Cardholder ($50) for the first year;
  • $100: TD Travel Credit on your first Eligible Travel Credit Purchase of $500 or more made through Expedia For TD;
  • $50: TD Rewards Birthday Bonus equal to 10% of the number of TD Rewards Points earned while using the TD First Class Travel Visa Infinite* card over the 12 months preceding the Primary Cardholder’s birthday, up to a maximum of 10,000 TD Rewards Points (travel value at Expedia For TD of up to $50). Previously earned points on other Rewards Cards, Acquisition Bonus Points, or other Promotional Rewards Points earned do not count towards your Birthday Bonus;
  • Welcome Bonus of 20,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $100);
  • Additional Bonus of 80,000 TD Rewards Points earned when you spend $5,000 within 180 days of Account opening (travel value at Expedia For TD of $400);

2  Account must be approved by September 3, 2024. Welcome Bonus of 15,000 TD Rewards Points will be awarded to the TD Platinum Travel Visa*  ("Account")  only after the first Purchase is made on the Account. To receive the additional 35,000 TD Rewards Points  ("Additional Bonus") , you must make $1,000 in Purchases on your Account, including your first eligible Purchase, within 90 days of Account opening. Rebate of the Annual Fee is only for the first year for the Primary Cardholder and the first Additional Cardholder added to the Account. 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. To receive the first Additional Cardholder Annual Fee Rebate you must add your first Additional Cardholder by September 4, 2024. Annual Fee Rebate will be applied within 2 monthly statements from the date of the statement with the first Annual Fee charge. The Primary Cardholder is responsible for all charges to the Account, including those made by any Additional Cardholder. Offer may be changed, withdrawn (excluding Quebec), or extended at any time and cannot be combined with any other offer unless otherwise indicated. This offer is not available customers who have activated and/or closed a TD Platinum Travel Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person. Your Account must be in good standing at the time the Welcome Bonus points and Additional Bonus points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account.

3  Limited Time Promotional Offer includes a Welcome Bonus, Monthly Bonus, Mobile Wallet Bonus Offer and Annual Fee Rebate Offer (described below and collectively the "Offer"): Welcome Bonus of 30,000 TD Rewards points ("Welcome Bonus") is only available to the Primary Business Cardholder of TD Business Travel ® Visa Card account ("Account") with an Annual Fee of $149 ("$149 Account"). $149 Account must be opened and approved by June 3, 2024.

Welcome Bonus will be awarded to the Primary Business Cardholder of the $149 Account only after the first Purchase is made on the $149 Account, where such Purchase is made within 90 days of account approval. The “Primary Business Cardholder” means the individual who is issued TD Business Travel ® Visa Card account with an Annual Fee of $149. Please allow eight - twelve weeks for your Welcome Bonus Points to be awarded.

To qualify for a monthly bonus of 10,000 TD Rewards Points ("Monthly Bonus") in the first 12 months after Account approval (up to a total maximum of 120,000 Monthly Bonus Points), the Primary Business Cardholder must have at least $2,500 in net Purchases posted to their Account each month by the last day of each monthly billing period. Once you have earned 120,000 Monthly Bonus Points during the first 12 months following Account approval, you will no longer be eligible for additional Monthly Bonus Points. Purchases made during a billing period but posted after the end of that billing period will not count towards eligible Purchases for that month and count towards eligible Purchases for the next billing period. For example, if your monthly billing period is from March 15 to April 14, a Purchase made on April 14 (transaction date) and posts on April 15 (posting date) will not count for eligible Purchase for that month and will count towards spend in the next month's billing period. If the March 15 to April 14 period was your 12th monthly billing period, then the Purchase that was made on April 14 and posted on April 15 would not count toward this Offer.

Limited Time TD Business Travel ® Visa Card Promotional Offer ("Mobile Wallet Bonus"): Applies to the TD Business Travel® Visa Card that is also an $149 Account. Mobile Wallet Bonus starts March 5, 2024 and ends on June 3, 2024 (the "Offer Period"). The $149 Account will earn 25,000 bonus TD Rewards Points (the "Bonus Points") when a Primary Business Cardholder makes at least $250 eligible Purchases using an eligible mobile wallet (Apple Pay, Google Pay, or Samsung Pay), where such Purchases are made within 90 days of account approval that are not subsequently rescinded, the subject of a chargeback request or otherwise disputed.

The Annual Fee rebate portion of this Offer ("Annual Fee Rebate Offer") is available only for the first year after Account approval, for the (i) Primary Business Cardholder, and the (ii) first two Additional Cards issued for the same business if any. The rebate of the $49 Annual Fee for the first two Additional Cards issued on the same business, if any, is for the first year only. Account ("$149 Account") must be opened by June 3, 2024. To receive the Additional Cardholder first -year annual fee rebates for Additional Cardholders ("Additional Cardholder Annual Fee Rebate"), you must add your Additional Cardholders to your Account by June 4, 2024.  The Annual Fee for any subsequent $149 Accounts or Additional Cards issued to the same business will continue to apply. The Annual Fee will be rebated within two monthly statements from the date of the charge. The full Annual Fee will be charged to the Primary Business Cardholder Account and the Additional Accounts (if applicable), after the first year. The Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated. This Offer is not transferable. If you have opened an Account in the last 12 months, you will not be eligible for this Offer. We reserve the right to limit the number of $149 Accounts opened by one person, and the number of Welcome Bonus points, the Monthly Bonus points and the Mobile Wallet Bonus Offer points awarded to any one business. Offers may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise specified. Your Account must be open, active in Good Standing at the time the Welcome Bonus points, Monthly Bonus points and the Mobile Wallet Bonus Offer points are awarded. Please allow 8-12 weeks after the conditions for each element of the Offer are fulfilled for the Welcome Bonus points, the Monthly Bonus points, and the Mobile Wallet Bonus points to be credited to the TD Business Travel ® Visa Card Account associated with the Primary Business Cardholder, as designated by the Business. Closing your Account or transferring to another TD Credit Card may result in forfeiture of any bonus points not yet awarded.

4  Account must be approved by June 3, 2024. To receive 15,152 Bonus TD Rewards Points awarded to the TD Rewards Account associated with the TD Rewards Visa*  ("Account") , you must keep your Account open, active and in good standing for 90 days after Account opening. Offer may be changed, withdrawn (excluding Quebec) or extended at any time and cannot be combined with any other offer unless otherwise indicated. Your Account must be in good standing at the time the Welcome Bonus TD Rewards Points are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the Welcome Bonus TD Rewards Points to be credited to your TD Rewards Account. This offer is not available customers who have activated and/or closed a TD Rewards Visa* Account in the last 12 months. We reserve the right to limit the number of Accounts opened by and the number of TD Rewards Points awarded to any one person.

5 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.

6  Offer ends September 3, 2024. The value of up to $370 could be earned in the first year of Account opening and is based on the combined value of:

  • $124: Annual Fee Rebate for the Primary ($89) and first Additional Cardholder ($35) for the first year;
  • Welcome Bonus of 15,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $75;
  • Additional Bonus of 35,000 TD Rewards Points earned when you spend $1,000 within 90 days of Account opening (travel value at Expedia For TD of $175;

Every 200 TD Rewards Points redeemed through Expedia For TD are worth $1 in travel savings.

7  1 TD Rewards Point is worth $0.0033 towards purchases at Amazon.ca that are eligible for the Shop With Points program. 3 TD Rewards Points minimum redemption. These are highlights of the Amazon.ca Shop with Points program for TD Rewards points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enroll in SWP for TD and terms, conditions and restrictions, visit  https://www.amazon.ca/tdrewards . Amazon.ca is operated by Amazon Services International, Inc. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

9 Offer ends June 3, 2024. The value of up to $1,122 could be earned in the first year of Account approval and is based on the combined value of:

  • $247: Annual Fee Rebate for the Primary ($149) and up to two Fee Rebates for two Additional Cardholder ($49 each) for the first year; Additional Cardholders must be added by March 5, 2024.
  • Welcome Bonus of 30,000 TD Rewards Points earned when you make your first Purchase with your Card (travel value at Expedia For TD of $150);
  • Monthly Bonus up to 120,000 TD Rewards Points earned when you spend $2,500 in Purchases each month for the first 12 months of account opening (travel value at Expedia For TD of $600);
  • Mobile Wallet Bonus Offer up to 25,000 TD Rewards Points earned when a Primary Cardholder makes at least $250 eligible purchases using an eligible mobile wallet (Apple Pay, Google Pay, or Samsung Pay), (travel value at Expedia For TD of $125); within 90 days of account opening.

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

* Trademark of Visa International Service Association; Used under license.

®Aeroplan is a registered trademark of Aeroplan Inc., used under license. Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively  “Starbucks Marks” ).

* Trademark of Visa International Service Association and used under license.

® The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

Visa, Mastercard agree to $30B deal with merchants. What it means for credit card holders.

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Visa and Mastercard earlier this week agreed to a settlement with U.S. merchants, promising to lower the fees stores have to pay to process credit card payments ‒ at least in the near term.

The settlement opens doors for retailers to place surcharges on cards with higher swipe fees, which could make using a premium card with a hefty rewards program more expensive. Some have speculated that the changes could affect credit card rewards, or perhaps allow merchants to pass down savings to customers.

But other experts are skeptical that this could lead to any significant changes for credit card users. 

The settlement doesn’t appear to have “any bearing on the credit card holder,” said Michael Kinsman , an emeritus professor of finance and accounting at Pepperdine University in California who operates a CPA firm in Laguna Beach. 

What did the settlement say?

Visa and Mastercard denied wrongdoing but agreed to a number of changes in the near term as part of the settlement. Among them:

Learn more: Best credit cards of 2023

  • The companies will lower interchange rates – the fee merchants have to pay to process a credit card payment, also referred to as “swipe rates” – by at least 4 basis points (0.04 percentage points) for three years. 
  • Swipe rates must be at least 7 basis points below the current average for the next five years. 
  • Merchants will be able to more easily steer customers to other payment methods, and can impose surcharges on premium credit cards with higher swipe fees.  

The settlement is still subject to court approval, and any changes would not go into effect until late 2024 or 2025, according to a statement from Mastercard.

What does this mean for credit card holders?

Patrick Payne , an associate professor of practice in personal and family financial planning at the University of Arizona in Tucson, doesn’t expect “dramatic changes” from the settlement but believes it could lead to more expensive premium cards.

The cards are already pricey; Chase Sapphire Reserve , for instance, has a $550 annual fee in exchange for perks like access to airport lounge membership and a $300 annual travel credit. The annual fee for the Platinum Card from American Express is nearly $700. 

Premium cards are more costly for merchants, too. The National Retail Federation says swipe fees average about 2% per transaction but can be as high as 4% for premium rewards cards. 

If this settlement is approved, merchants would have the ability to charge customers more for using premium Visa and Mastercard credit cards. 

But it’s not clear stores would want to charge these customers more, according to Lulu Wang , an assistant professor of finance at the Kellogg School of Management in Evanston, Illinois. Making certain customers ‒ especially high-paying customers ‒ pay an extra surcharge threatens to sour relationships and hurt business.

“People talk about some changes it can make for merchants, but those changes seem like such a giant pain … to implement,” he said. 

“If they tried to do that, the customer relations would be just bloody awful. They'd have egg all over their face,” Kinsman added. 

Credit card debt: Americans have more credit card debt than savings again in 2024. How much do they owe?

Will merchants pass down their savings to consumers?

Retailers that accept Visa and Mastercard are expected to save at least $29.79 billion in the five years following the settlement, according to a statement by one of the law firms representing U.S. merchants in the lawsuit. 

In theory, merchants could pass down some of those savings to customers by lowering prices. This could be especially prevalent in smaller businesses, according to Payne from the University of Arizona.

“They might be able to offer more competitive prices to draw people from the big retailers,” he said.  

But other experts say consumers shouldn’t get their hopes up. 

“Most people aren't going to know about (the settlement) anyway,” said Kinsman, the emeritus professor at Pepperdine University. “So why would I, as a merchant, pass those costs back to my customers?”

What will Visa and Mastercard do?

Beverly Harzog , author of “The Debt Escape Plan: How to Free Yourself from Credit Card Balances, Boost Your Credit Score, and Live Debt-Free," said she doesn't expect many changes among credit card issuers after the settlement, in part because the changes aren't a "permanent fix." The three- and five-year time spans give the companies little time to make significant changes, she said.

"It's like trying to turn a giant cruise liner," she said. "It takes a lot of time, and sometimes, by the time they're ready to make that turn, the market has changed again.”

Her caveat? If one credit card issuer does decide to make a change after the settlement – whether that’s raising an annual fee or pushing back on certain benefits or perks – others will likely follow.

“I would watch for that first domino,” Harzog said. “And right now, I'm not expecting that, just because this (settlement) hasn't been finalized. Even if it is, it's a temporary solution and things go back to normal within a couple of years.”

Visa plans to maintain its "rewards and access to credit" if the settlement is approved, according to a statement quoting Kim Lawrence, the company's president of North America, that was released earlier this week . Spokespeople for Visa and Mastercard did not immediately respond to requests for comment sent after normal business hours on Friday.

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  5. TD® Aeroplan® Visa Infinite Privilege* Review 2024

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    According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. That means that the TD Aeroplan Visa Infinite Privilege's welcome offer of 85,000 Aeroplan points is worth ...

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    The TD Aeroplan Visa Infinite Card is a travel rewards credit card that earns Aeroplan points from Air Canada's loyalty program. ... You want airport lounge access or other travel perks the TD ...

  8. TD Aeroplan Visa Infinite Privilege Card Review for 2023

    Primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program; Perks & Benefits of the TD® Aeroplan® Visa Infinite Privilege* Card. The list of TD Aeroplan Visa Infinite Privilege benefits is impressive. It is indeed one of the best Aeroplan credit cards. However, the ...

  9. TD First Class Travel® Visa Infinite* Card Review 2024

    The TD First Class Travel Visa Infinite Card is considered to be one of Canada's higher end travel credit cards, even though its annual fee makes it quite affordable. With easy earning potential ...

  10. Credit Card Review: TD® Aeroplan® Visa Infinite Privilege* Card

    Overview. The TD® Aeroplan® Visa Infinite Privilege* Card is a card targeted towards Canadians who love to travel with Air Canada and want to avail of benefits that can make that travel more enjoyable. From providing the airport lounge access including Maple Leaf Lounges in North America to Priority Boarding and the ability to earn an annual companion pass, this card was developed with the ...

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    Finally, the TD First Class Travel Visa Infinite Card doesn't offer airport lounge access, and you'll be charged foreign transaction fees. So, if you like to use airport lounges, or you often ...

  12. TD Aeroplan Visa Infinite Privilege Card

    With the TD® Aeroplan® Visa Infinite Privilege* Credit Card, you can earn up to 85,000 Aeroplan points†: 20,000 Aeroplan points when you make your first purchase with your new card †. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening †. Plus, earn a one-time anniversary bonus of 25,000 ...

  13. TD First Class Travel Visa Infinite Card Review

    While the TD First Class Travel® Visa Infinite* Card doesn't offer complimentary lounge access, it does provide cardholders with a 20% discount to Priority Pass memberships. So for $79 USD, instead of the regular $99 USD membership fee, you can get access to over 1,000 airport lounges worldwide (note: $32USD entrance fee also applies per visit).

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    per $5K eligible annual spend. Reach Aeroplan Elite Status more quickly. As the Primary Cardholder/Primary Business Cardholder, you will earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $5,000 or $10,000 of eligible purchases (less any returns and credits) made by the Primary Cardholder/Primary Business Cardholder or ...

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  17. The best credit cards with airport lounge access in March 2024

    Keep in mind that Delta cut some lounge benefits last year and increased the Delta Reserve card's annual fee to $650 (from $550) in early 2024. Beginning Feb. 1, 2025, Reserve card holders will ...

  18. The best credit cards for airport lounge access in Canada for 2024

    Perks: Visa Airport Companion Program membership with four lounge visits a year; Nexus card fee rebate ($100 value, every 4 years); out-of-province emergency travel medical insurance; flight delay ...

  19. TD First Class Travel vs TD Aeroplan: How to Choose

    Feature TD First Class Travel Visa Infinite card TD Aeroplan cards; Annual fee: $139: $89 to $599, depending on the card. Purchases APR: 20.99%: 20.99% (14.99% for the TD Aeroplan Visa Business)

  20. Visa Infinite Privilege Priority Benefits at Canadian Airports

    Earn 80,000 MR points upon spending $15,000 in the first three months; Plus, earn 40,000 MR points upon making a purchase in months 14-17 as a cardholder And, earn 1.25x MR points on all purchases; Also, receive a $200 annual travel credit; Transfer MR points to Aeroplan and other frequent flyer programs for premium flights; Unlimited airport lounge access for you and one guest at Priority ...

  21. DragonPass Lounge Access with Visa and Mastercard Products

    As mentioned, DragonPass lists a network of 1,300+ lounges in 700 airports worldwide. A list of accredited lounges, as well as location, details on the services provided, and hours of operation for each one, can be found on the Visa Airport Companion or Mastercard Travel Pass app. Nok Air Lounge at Don Mueang International Airport in Bangkok (DMK)

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  23. Alaska Lounge airport lounge locations and hours

    Daily: 5:00 am-11:00 pm. Yes. Alaska Lounge+ members have access to when arriving or departing that day on Alaska Airlines or American Airlines *. When traveling on Alaska Airlines or American Airlines*, Alaska Lounge+ members also get complimentary access for their immediate family (spouse or domestic partner and children under the age of 21 ...

  24. Best Travel Credit Cards from TD in Canada

    Travel credit cards may include features like travel insurance and airport lounge access. Check the cardholder agreement for details. What travel benefits come with TD travel credit cards? ... Limited Time TD Business Travel ® Visa Card Promotional Offer ("Mobile Wallet Bonus"): Applies to the TD Business Travel® Visa Card that is also an ...

  25. Chase Sapphire Reserve to lose Priority Pass restaurant access

    Priority Pass is an airport lounge network touting over 1,500 airport lounges worldwide. They're a comfy oasis away from the rackety terminal and they often come with free food and alcohol ...

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    The cards are already pricey; Chase Sapphire Reserve, for instance, has a $550 annual fee in exchange for perks like access to airport lounge membership and a $300 annual travel credit.The annual ...