The ClearFin bottom line
✈️ Aeroplan Elite
Its strongest published earn rate in our data is 1.5% on dining. The $599 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD Aeroplan Visa Infinite Privilege
Start with up to 85,000 Aeroplan points, worth about $1,700.
Independent comparisonFees includedCanadian card data
- Annual fee
- $599
- Reward type
- Aeroplan
- Welcome offer
- 85,000 pts
- Insurance
- Not listed
Current new-cardmember offer
Confirm with the issuer
✈️ Aeroplan Elite
Welcome bonus
Up to 85,000 Aeroplan points
New cardmembers can earn up to 85,000 Aeroplan points by completing the steps below.
Offer details
New-account eligibility, purchase, spending and account-standing conditions apply.
How you earn
- Earn 2 Aeroplan points per $1 spent on eligible Air Canada purchases including Air Canada Vacations
- Earn 1.5 Aeroplan points per $1 spent on eligible gas, electric vehicle charging, groceries, travel, transit, and dining purchases
- Earn 1.25 Aeroplan points per $1 spent on all other eligible purchases
- Earn points twice when paying with your card and providing your Aeroplan number at Aeroplan partner brands and Aeroplan eStore retailers
- Aeroplan points can be redeemed for flights, hotels, car rentals, merchandise, gift cards, and experiences through the Aeroplan program
- No blackout periods on Air Canada reward flights (any seat available for cash can be booked with points)
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$599
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$150,000Issuer approval criteria apply
Additional card$199
Household income$200,000Alternative minimum
Recommended credit score720+ Very Good to Excellent (Prime to Ultra-Prime tier)
Not explicitly disclosed by issuer.
300Poor
560Fair
660Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is based on high-income eligibility ($150,000 personal or $200,000 household) combined with TD credit underwriting assessment, including credit history strength, utilization, and overall risk profile.
Reward limits: No explicit cap on Aeroplan point accumulation from spend-based earning rates. However, Status Qualifying Credits (SQC) accumulation is capped annually.
Earning cap
Earning cap
Earning cap
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem Aeroplan points for eligible Air Canada and partner-airline flights, with taxes, fees, availability, and program rules applying.
Use eligible points for hotels, car rentals, merchandise, gift cards, and other options available through Aeroplan.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
Unlimited Maple Leaf Lounge access
Primary and additional cardholders get access to Maple Leaf Lounges in North America when flying Air Canada or Star Alliance flights, including guest access privileges.
Priority airport services
Includes priority check-in, priority boarding (Zone 2), priority baggage handling, standby priority, and higher upgrade priority on Air Canada flights for cardholders and up to 8 companions.
Annual companion pass
Eligible cardholders receive a round-trip companion pass starting at $99 plus taxes/fees, earned annually after meeting spending requirements.
Aeroplan Elite Status acceleration
Earn Status Qualifying Credits through card spend (1,000 SQC per $5,000 spent up to 25,000 SQC annually) plus additional elite status boost mechanisms.
NEXUS application fee rebate
Receive up to $100 CAD rebate every 48 months for NEXUS membership application fees.
Visa Infinite Concierge service
24/7 concierge support for travel bookings, dining, shopping, and general lifestyle assistance.
Global airport lounge program
Includes 6 complimentary lounge visits annually through Visa Airport Companion across 1,200+ lounges worldwide.
Premium travel insurance package
Includes medical insurance, trip cancellation/interruption, baggage delay/loss, flight delay, rental car insurance, and emergency assistance coverage.
Show all 9 benefitsShow fewer
Lifestyle and luxury privileges
Access to Visa Infinite Dining Series, hotel collections, film festivals, golf programs, and curated premium experiences.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- Industry-leading travel benefits including unlimited Maple Leaf Lounge access for primary and additional cardholders plus guest privileges
- Strong Aeroplan earning structure with up to 2x points on Air Canada purchases and elevated multipliers across travel, dining, transit, and everyday spend
- Premium elite travel ecosystem benefits including annual companion pass, priority airport services, and accelerated Aeroplan Status Qualifying Credits (SQC)
Worth noting
- Very high annual fee ($599) plus $199 for additional cardholders increases cost of ownership significantly
- High income requirement ($150,000 personal or $200,000 household) limits accessibility to top income segment
- Foreign transaction fee of 2.5% still applies despite premium status, reducing efficiency for international spend
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Aeroplan Elite
2x Aeroplan on Air Canada. 1.5x on dining, grocery, gas, transit & travel. 1.25x on everything else.
How the rewards work
Dining, Groceries, Gas, Travel receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.3%.
What the annual cost means
Using the strongest estimated category return alone, roughly $39,950 in annual spending at that rate would equal the $599 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.