The TD Aeroplan Visa Infinite Card transcends the realm of ordinary credit cards, serving as a gateway to an abundance of travel benefits, generous rewards, and exclusive experiences.

In this article, we will explore the pivotal advantages and distinctive features of this card meticulously, providing you with a comprehensive understanding of why it stands as the prime choice for your financial requirements.

Key information about the credit card

The TD Aeroplan Visa Infinite Card is a powerful tool for accumulating Aeroplan points, which is the loyalty program of Air Canada, and can be used for a variety of rewards, from airfares to hotel stays and car rentals. Thus, with an annual fee of $139, this card offers a range of essential benefits for those who love to travel.

How the annual fee works

While the annual fee for the TD Aeroplan Visa Infinite Card amounts to $139 per year, the value proposition becomes evident when considering the array of benefits and rewards it provides. For frequent travelers or individuals who make regular purchases, the benefits far outweigh the cost, making the annual fee a worthwhile investment.

How the credit limit is determined

The determination of the credit limit for the TD Aeroplan Visa Infinite Card is conducted by TD Bank, taking into consideration a range of factors such as credit history and annual income. This careful assessment is made with respect to each individual’s unique circumstances, ensuring a personalized and fair approach.

Advantages of the credit card

• Accelerated accumulation of Aeroplan Points: The TD Aeroplan Visa Infinite Card allows you to accumulate points rapidly in specific categories. That means, for every dollar spent, you earn 1.5 points on gas, groceries, and directly with Air Canada. For all other purchases, you earn 1 point per dollar spent.

• Travel benefits: The TD Aeroplan Visa Infinite Card offers a range of exclusive benefits for travelers, such as the first free checked bag on Air Canada flights. Moreover, this benefit extends to the cardholder and up to eight companions on the same reservation.

• Access to special offers and exclusive promotions: Cardholders also have access to exclusive offers and promotions, providing a range of opportunities to maximize the value of accumulated Aeroplan points, including discounts on products and services.

• Protections and insurance: The TD Aeroplan Visa Infinite Card offers a range of travel and purchase protections and insurance, including trip cancellation and interruption insurance. Additionally, the card also provides emergency medical travel insurance and collision and loss damage insurance for rented vehicles.

Standout advantage

One of the most outstanding advantages of the TD Aeroplan Visa Infinite Card is the flexibility and convenience offered by the Aeroplan program, as the card allows for point sharing with up to eight family members. Additionally, the partnership with over 150 Aeroplan brands and over 200 online retailers through the Aeroplan eStore enables users to earn points twice, further accelerating reward accumulation.

Disadvantages

• Relatively high annual fee: The annual fee of $139 may be a downside for some users, especially those who do not take advantage of all the travel benefits offered by the card. That is, for those who travel infrequently, the fee may seem high compared to other credit cards with lower annual fees.

• Conditions and restrictions: Some benefits and rewards are subject to specific conditions and restrictions. That is, to receive the welcome bonus and additional points offered by the card, for example, users must spend a certain amount of money with the card within certain periods, which can be challenging for some customers who do not regularly spend with the card.

• Need for maintaining good financial discipline: Like any other credit card, the TD Aeroplan Visa Infinite Card requires users to maintain good financial discipline to avoid interest and additional fees, which can be a significant disadvantage for those who struggle to organize their finances.

Standout disadvantage

One of the main disadvantages of the TD Aeroplan Visa Infinite Card is the $139 annual fee, which may be considered high for some users, especially those who do not travel frequently or do not use the card benefits regularly enough to justify this cost. Additionally, the requirement of a minimum income of $60,000 annually or $100,000 annually per family may limit access to this card for many potential customers.

Who can apply for this card

To apply for the TD Aeroplan Visa Infinite Card, the applicant must be of legal age in the province or territory where they reside. Additionally, one of the main eligibility criteria for the TD Aeroplan Visa Infinite Card is the requirement of a minimum income, as applicants must have a personal annual income of at least $60,000 or a family annual income of at least $100,000.

To acquire the card, applicants must also be residents of Canada, which is important due to the fact that many of the card benefits, including those related to the Aeroplan program and travel insurance, are specifically tailored to Canadian residents.

Additionally, the credit history of the applicant is an essential factor for card approval, as TD Bank evaluates the credit history to determine the applicant’s ability to manage credit responsibly. That is, those with negative credit history may have their application rejected.

How to apply for the TD Aeroplan Visa Infinite Card

Through website

To initiate the TD Aeroplan Visa Infinite Card application process on the website, you should first access the official TD Canada Trust website. Then, look for the section that deals with credit cards, where you will find a specific page dedicated to the desired card.

After finding the TD Aeroplan Visa Infinite Card page, locate the highlighted button that says “Apply now” and click on it to be redirected to the online application form. With the application form open, you should fill it out providing a series of information, such as your personal details, including full name, date of birth, and residential address.

Additionally, the form will also request information about your income, including details about your current employment, annual salary, and any other sources of income you may have. Another important part of the form involves your contact details, meaning you’ll need to provide your phone number, email address, and any other contact method the bank may use to communicate the status of your application.

After completing all the form fields with the necessary information, it’s important to review everything carefully to avoid errors. When you’re satisfied that everything is correct, submit your application to TD Canada Trust, and your part in the process will be complete, with the bank analyzing your request.

If your application is approved, you will receive a notification, and your new credit card will be sent to the address you provided during the application process. This will allow you to enjoy the benefits as soon as it arrives.

Via app

To start your application, first access the App Store if you’re using an iOS device, or the Google Play Store if you’re using an Android device. Then, search for the “TD Canada” app, download, and install it. With the app installed, open it and log in to your account using your login details or create an account directly through the app.

After logging in, navigate through the main menu of the app until you find the section dedicated to financial products and credit cards. Among the options presented by the app, select the TD Aeroplan Visa Infinite Card.

The app will then guide you through the application process, so follow the instructions displayed on the screen carefully to start filling out the application form, providing the same information required in the card application through the website.

After filling out all the required fields in the form, review the provided information, and once you’re satisfied that all the data is accurate, submit your application for TD Canada Trust to proceed with the analysis of your request. If your application is approved, you’ll be notified through the app, and the card will be sent to the address you provided during the form completion.

In-person application

To initiate the application process for your TD Aeroplan Visa Infinite Card, first, visit the nearest TD Canada Trust branch to your location. Upon arrival, look for a banking representative available to assist you during the card application process.

Once you find a banking representative, explain that you’re interested in applying for the TD Aeroplan Visa Infinite Card. The representative will then fill out an application form on your behalf, requiring you to provide the same personal and financial information previously mentioned in this article.

Additionally, remember that the banking representative will be available to answer any questions you may have and ensure that all necessary information is provided correctly. After completing all the form fields with the representative’s assistance, it will be sent for TD Canada Trust analysis, which may take some time.

However, if your application is approved, you’ll be notified by the bank, and your new card will be issued and sent to the address you provided during the application process.

You will be redirected to another website.