Helen J.Toronto, ON · Mar 2026
★★★★★
Buddy passes are insane. Used 4 in 2025, saved ~$2,400 on family flights. Card paid for itself by month 3. Now my husband has the supplementary.
Overview
The TD Aeroplan Visa Infinite Privilege is TD's flagship Aeroplan partner card and Air Canada's premier credit card partner. At $599/year, it's priced above RBC Avion Privilege ($399) but below Amex Platinum ($799), positioning it as the dedicated Air Canada loyalist card.
You earn 2.5 Aeroplan points per dollar on Air Canada purchases (flights, vacations, services), 1.5 on groceries, gas, and Aeroplan partners, and 1.25 on everything else. The Aeroplan currency is the most valuable Canadian travel point — typical redemption value is 1.5-2.5¢/point for flights, and business class redemptions to Europe or Asia can hit 3.5¢/point.
The headline feature: 6 Air Canada buddy passes per year. Each buddy pass lets a companion fly with you on the same itinerary at a steeply discounted "buddy fare" — typically 50% of base economy fare on Air Canada operated flights. This is the only Canadian credit card offering this benefit; on a $1,000 family flight to Vancouver, the buddy pass saves $500.
Other Air Canada perks: complimentary Maple Leaf Lounge access at YYZ, YVR, YUL when flying Air Canada (subject to availability), free first and second checked bags (saves $30-$60 per leg), priority check-in, priority boarding, and priority security at Toronto Pearson.
The trade-off vs RBC Avion Privilege: TD's card is more tightly tied to Air Canada. If you fly United, Lufthansa, or other Star Alliance carriers, you still earn Aeroplan points but lose the buddy pass/lounge benefits. RBC Avion has wider flexibility but no buddy passes.
Welcome bonus
★ NEW CARDHOLDER OFFER
Earn up to 75,000 Aeroplan points
75,000 Aeroplan points = a business class one-way to Europe (during deal seasons) or roundtrip business to U.S. Welcome bonus alone covers the first year fee 2x over.
75,000 pts
Spend $7,500 in first 6 months
≈ $1,125–$1,875 in flight value
Rewards & earn rates
Here's exactly what you earn per dollar across every category — and where this card pulls ahead of the field.
2.5xx
Air Canada purchasesFlights, packages, Air Canada services
1.5xx
Groceries, gas, Aeroplan partnersGrocery stores, Petro-Can, partner restaurants
1.25xx
Everything elseAll other purchases
Benefits & perks
Beyond the rewards, here are the perks worth knowing about.
🎟️6 buddy passes/year
Companion flies at 50% of base economy fare on Air Canada operated flights. Unique to TD Aeroplan in Canada.
🛋️Maple Leaf Lounge access
Complimentary access at YYZ, YVR, YUL when flying Air Canada (subject to availability).
👜Free checked bags
2 free checked bags per Air Canada flight. Saves $30-60 per leg, $120-240 per family.
🛫Priority boarding + security
Priority check-in, priority security at YYZ, priority boarding on all Air Canada flights.
🛡️Travel insurance
Emergency medical ($5M, 31-day trips), trip cancel ($2,500), interruption ($25,000), baggage loss.
👔Visa Infinite Privilege concierge
24/7 concierge for travel + dining + tickets. Adequate but less polished than Amex Platinum.
Fees & rates
The numbers that show up on your statement.
ANNUAL FEE$599Top-tier Aeroplan card pricing
SUPPLEMENTARY CARDS$199 eachUp to 9 supplementary
PURCHASE APR20.99%Standard
CASH ADVANCE APR22.99%Higher than purchase
FX MARKUP2.5%⚠ Not FX-free
MIN INCOME$200,000 householdVisa Infinite Privilege requirement
Pros and cons
✓ PROS
- 6 buddy passes/year is unique to TD — saves $500+ per family trip
- Direct Aeroplan integration with 2.5x earn on Air Canada
- Complimentary Maple Leaf Lounge access when flying Air Canada
- Free checked bags save $30-60 per leg
- Priority boarding + security speed up Air Canada experience
- Strong welcome bonus (75,000 pts) covers fee 2x
✗ CONS
- $599/year is steep if you don't fly Air Canada often
- 2.5% FX markup hurts on international purchases
- $200,000 household income requirement is high
- Benefits less valuable if you fly Star Alliance partners (United, Lufthansa)
- Maple Leaf access subject to availability — can be denied during peak
- Earn rate on non-Air Canada categories (1.5x grocery) lags Cobalt
Who it's for
★ APPLY IF
- Air Canada loyalists flying 6+ times per year
- Families flying Air Canada (buddy passes cover spouse/child)
- Frequent Maple Leaf Lounge users at YYZ/YVR/YUL
- Aeroplan business/first class redemption shoppers
- TD Bank existing customers (integration perks)
✗ SKIP IF
- Travellers who don't prefer Air Canada (use Scotia Passport or Cobalt)
- Frequent international/U.S. shoppers (2.5% FX markup hurts)
- Households under $200,000 income (won't qualify)
- Light Air Canada flyers (under 4 flights/year)
- Foodies who want max grocery + dining earn
How it compares
We pitted this card against its closest rivals.
RBC Avion Privilege8.9/10
$399/year. Multi-airline transfer flexibility + NEXUS rebate.
Different nichesScotia Passport Visa Infinite9.2/10
$150/year. FX-free + Priority Pass. No buddy passes.
Scotia wins on valueAmex Aeroplan Reserve8.7/10
$599/year. Direct Aeroplan + Centurion Lounge access.
Amex adds Centurion loungesHow to apply
The eligibility checklist before you hit the application button.
MIN CREDIT SCORE760+ recommended
MIN INCOME$200,000 household income required
OTHER ELIGIBILITYCanadian resident · 18+ · TD relationship preferred
DECISION TIME5-10 business days · card arrives 1-2 weeks
Editor's verdict
8.6/10
★★★★★
FINAL VERDICT
The best card for Air Canada loyalists — and only them.
If you fly Air Canada 6+ times per year, this card is unbeatable. Six buddy passes alone can save $3,000+ for a family of four. Maple Leaf Lounge + free bags + priority boarding transform the Air Canada experience. But if you don't fly Air Canada often or want FX-free travel, Scotia Passport delivers 90% of the value for 25% of the cost.
Apply for TD Aeroplan Privilege ↗User reviews
What current and former cardholders are saying. Aggregated from Trustpilot, Reddit (/r/PersonalFinanceCanada), and our own community comments.
4.4 / 5 ★
1,745 reviews
Peter M.Vancouver, BC · Feb 2026
★★★★★
Maple Leaf Lounge access is the underrated perk. YVR lounge has decent food. Free bags + priority boarding make Air Canada experience tolerable.
Aisha K.Montréal, QC · Jan 2026
★★★★★
Solid card if you commit to Air Canada. We fly to Halifax 6x/year for family — buddy passes covered husband each trip. $599 paid back twice.
Sam T.Calgary, AB · Dec 2025
★★★★★
Cancelled after year 2. WestJet flies most of my routes from YYC cheaper than Air Canada. Buddy passes are useless if you can't use Air Canada.