Are you searching for a credit card that not only aligns with your lifestyle but also offers impressive travel rewards? Look no further than the TD® Aeroplan® Visa Infinite Card. This card is designed for individuals who want to earn Aeroplan points faster, enjoy exclusive travel benefits, and take advantage of a host of other perks. In this post, we’ll explore everything you need to know about this credit card, from its benefits and rewards to fees and the application process. By the end, you’ll see why the TD® Aeroplan® Visa Infinite Card might be the perfect fit for your wallet.
Benefits of the TD® Aeroplan® Visa Infinite Card
The TD® Aeroplan® Visa Infinite Card offers a range of benefits that cater to frequent travellers and those who value earning travel rewards on everyday purchases. Here’s what you can expect:
- Generous Welcome Bonus: New cardholders can take advantage of a generous welcome bonus. For a limited time, earn up to 50,000 Aeroplan points. This is enough to cover a round-trip short-haul flight within Canada or to the continental United States! Conditions apply, including a minimum spend requirement, so be sure to check the details on the TD website.
- Earning Aeroplan Points: The TD® Aeroplan® Visa Infinite Card allows you to earn Aeroplan points quickly:
- 1.5 points per dollar spent on eligible gas, grocery, and Air Canada purchases, including flights and Air Canada Vacations packages.
- 1 point per dollar spent on all other eligible purchases.
- Earn points twice when you use your card and provide your Aeroplan number at over 150 Aeroplan partner brands and online retailers via the Aeroplan eStore.
- Comprehensive Travel Insurance: This card comes with robust travel insurance, including:
- Travel Medical Insurance for trips up to 21 days for those under 65 years old.
- Trip Cancellation/Interruption Insurance to cover non-refundable costs if your trip is unexpectedly cancelled or interrupted.
- Delayed and Lost Baggage Insurance, Flight/Trip Delay Insurance, and Common Carrier Travel Accident Insurance.
- Auto Rental Collision/Loss Damage Insurance when you rent a car with your card.
- Exclusive Travel Benefits: Enjoy a range of exclusive travel benefits, such as:
- First Checked Bag Free: Receive a complimentary first checked bag for the primary cardholder and up to eight companions when travelling on the same reservation with Air Canada.
- Priority Boarding and Check-in: Breeze through check-in and board early on Air Canada flights.
- Visa Infinite Concierge Service: Access a 24/7 concierge service to assist with travel arrangements, dining reservations, and more.
- Visa Infinite Dining and Wine Country Program: Enjoy exclusive access to special dining experiences and complimentary wine tastings at participating wineries in Canada.
- Fraud Protection: The card offers enhanced fraud protection to keep your account secure. You won’t be held liable for unauthorized transactions, provided you’ve taken reasonable precautions to protect your account.
Rewards Program and Earning Potential
The TD® Aeroplan® Visa Infinite Card is an excellent choice for those who want to maximize their rewards. Here’s how you can make the most of it:
- Maximize Points on Everyday Purchases: Use your card for daily expenses such as groceries and gas to rack up Aeroplan points quickly. Since you earn 1.5 points per dollar in these categories, your points will add up fast.
- Boost Points Earnings with Air Canada: If you frequently travel with Air Canada, this card offers great value. Earn more points on your Air Canada purchases and enjoy the added benefits like free checked bags and priority boarding.
- Take Advantage of Aeroplan Partners: Boost your points by shopping with Aeroplan’s extensive network of partners, including online retailers through the Aeroplan eStore. This is a great way to double dip on rewards and earn points twice.
Fees and Interest Rates
Before applying for any credit card, it’s crucial to understand the associated costs. Here’s what you need to know about the TD® Aeroplan® Visa Infinite Card’s fees:
- Annual Fee: $139 for the primary cardholder. The first year’s annual fee may be waived under certain promotions.
- Additional Cardholder Fee: $75 for each additional cardholder.
- Interest Rates: The standard interest rate on purchases is 20.99%, and the interest rate on cash advances is 22.99%.
These fees are fairly standard for a premium travel credit card, especially considering the range of benefits and rewards that come with the card. The ability to waive the first year’s fee makes it even more attractive for new applicants.
How to Apply for the TD® Aeroplan® Visa Infinite Card
Applying for the TD® Aeroplan® Visa Infinite Card is straightforward. Here’s a step-by-step guide to help you get started:
- Eligibility Requirements: Before applying, ensure you meet the eligibility criteria:
- You are a Canadian resident.
- You have reached the age of majority in your province or territory.
- You have a personal annual income of at least $60,000 or a household income of at least $100,000.
- Application Process:
- Online Application: Visit the TD website and navigate to the Aeroplan Visa Infinite Card page. Click the “Apply Now” button to begin your application. You will be asked to provide personal information, including your name, address, and employment details. You will also need to provide financial information such as your annual income and housing costs.
- In-Branch Application: If you prefer, you can visit any TD branch to apply in person. A TD representative will guide you through the application process and help answer any questions you may have.
- Over the Phone: Call TD’s customer service to apply over the phone. This is a convenient option if you want to speak directly with a TD representative while filling out your application.
- Approval Process: Once you submit your application, TD will review your information and conduct a credit check. If approved, you will receive your new card in the mail within 5-7 business days. Make sure to activate your card upon receipt and start using it to earn rewards.
- Credit Limit and Account Setup: Your credit limit will be determined based on your creditworthiness and financial information provided during the application. Once your account is set up, you can manage it online through EasyWeb or the TD mobile app, where you can view your transactions, monitor your spending, and redeem your Aeroplan points.
Is the TD® Aeroplan® Visa Infinite Card Right for You?
The TD® Aeroplan® Visa Infinite Card is ideal for individuals who love to travel and want to maximize their rewards. It offers a robust suite of benefits, especially for frequent Air Canada travelers. With the opportunity to earn a high volume of Aeroplan points on everyday purchases, comprehensive travel insurance, and exclusive travel perks, this card is a valuable addition to your wallet.
However, it’s important to consider whether the annual fee and interest rates align with your financial situation. If you pay off your balance in full each month and take advantage of the travel benefits, the rewards can far outweigh the costs.
If you’re ready to start earning Aeroplan points and enjoying exclusive travel perks, the TD® Aeroplan® Visa Infinite Card might just be the perfect fit for you. Head over to the TD website or visit your local branch to apply today!
By choosing the TD® Aeroplan® Visa Infinite Card, you’re not just getting a credit card; you’re opening the door to a world of travel rewards and premium benefits that enhance every aspect of your travel experience. Don’t miss out on the opportunity to make your travels more rewarding!
