The pre-launch of the New Aeroplan Program on August 11th came with announcement of new credit card portfolio comprising TD, CIBC, and AMEX cards. In addition to a power-packed portfolio, the new Aeroplan program is taking credit card integration to a whole new level, with exclusive card benefits catering to members at all levels and lifestyles. While banks are scheduled to start notifying existing customers of new card features the week of August 24th, new acquisition offers are expected to roll out with the soft launch of the new Aeroplan program on Nov 8, 2020.

The refresh of new TD Aeroplan Credit Cards is exciting to say the least, card art included. The refresh and rollout of the products come with a list of key details for existing customers;

  • All miles earned by existing customers will transform to the new Aeroplan program and will be honoured on a one-to-one basis
  • Cardholders can access new and enhanced airline benefits that they and their Additional Cardholders can share
  • The increased Annual Fee (on applicable cards) will be charged on the next anniversary date, on or after November 8, 2020
  • Current Cardholders can continue to use existing Card and the changes will take effect automatically on November 8, 2020. Newly designed replacement Card will be sent to existing customers at a later date

The refreshed portfolio of TD Aeroplan Credit Cards will consist of three consumer cards and one business card, as follows;

    • TD®Aeroplan®Visa Infinite Privilege* Card
    • TD®Aeroplan®Visa Infinite* Card
    • TD®Aeroplan®Visa Platinum* Card
    • TD®Aeroplan®Visa* Business Card

Each card comes with select benefit package, and targeted at specific type of consumers. Lets take a comparative look at the New TD Aeroplan Credit Cards, for features that take effect on Nov 8, 2020;

*Side Scroll to see full list*

 TD® Aeroplan® Visa Infinite Privilege* Card
TD® Aeroplan® Visa Infinite* Card

TD® Aeroplan® Visa Platinum* Card

TD® Aeroplan® Visa* Business Card

Income Requirements$200,000 annual household income $60,000 annual personal income or $100,000 annual household income NANA
Annual Fee$599 ($199 each Additional Cardholder) $139 ($75 each Additional Cardholder)
TD All-Inclusive Account holders can receive a full rebate of the Annual Fee
$89 ($35 each Additional Cardholder)$149 ($49 each Additional Cardholder)
Welcome BonusTBD - Nov 8, 2020TBD - Nov 8, 2020TBD - Nov 8, 2020TBD - Nov 8, 2020
Earn Rate2 points for every $1 spent on Air Canada Purchases
1.5 points for every $1 spent on Gas, Grocery, Travel and Dining Purchases
1.25 points for every $1 spent on all other Purchases, including Drugstore Purchases
1.5 points for every $1 spent on Air Canada Purchases
1.5 points for every $1 spent on Gas and Grocery Purchases

1 point for every $1 spent on all other Purchases, including Drugstore Purchases
1 point for every $1 spent on Air Canada® Purchases
1 point for every $1 spent on Gas, and Grocery Purchases

1 point for every $1.50 spent on all other Purchases, including Drugstore Purchases
2 points for every $1 spent on Air Canada Purchases
1.5 points for every $1 spent on Dining and Select Business Categories: shipping, Internet, cable and phone services
1.5 points for every $1 spent on Travel Purchases made with your Card
1 point for every $1 spent on all other Purchases, including Gas Purchases
Nexus fee ReimbursementRebate of up to $100 CAD for a NEXUS™ application and/or renewal feeRebate of up to $100 CAD for a NEXUS™ application and/or renewal feeNARebate of up to $100 CAD for a NEXUS™ application and/or renewal fee
Insurance Benefits
  • Flight/Trip Delay Insurance: available when at least 75% of the cost of the trip is charged to the Card

  • Trip Cancellation/Trip Interruption Insurance: when at least 75% of the cost of the trip is charged to the Card

  • Travel Medical Insurance: coverage for up to 31 days for Cardholders under age 65

  • Delayed and Lost Baggage Insurance: up to three Additional Cardholders in addition to the Primary Cardholder are eligible for coverage, and the benefit is available when at least 75% of the cost of the trip is charged to the card

  • Hotel/Motel Burglary Insurance coverage: up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder

  • Purchase Security and Extended Warranty Protection: up to three Additional Cardholders in addition to the Primary Cardholder are eligible for coverage, and this benefit is available when at least 75% of the cost of the item is charged to the card

  • Mobile Device Insurance coverage: up to $1,500 for eligible mobile devices in the event of loss, theft, accidental damage, or mechanical breakdown

  • Emergency Travel Assistance Services

  • Auto Rental Collision/Loss Damage Insurance

    Other Insurance Updates
  • Flight/Trip Delay Insurance: when at least 75% of the cost of the trip is charged to the Card

  • Trip Cancellation/Trip Interruption Insurance: when at least 75% of the cost of the trip is charged to the Card

  • Travel Medical Insurance

  • Delayed and Lost Baggage Insurance: up to three Additional Cardholders in addition to the Primary Cardholder are eligible for coverage, and this benefit is available when at least 75% of the cost of the trip is charged to the Card

  • Hotel/Motel Burglary Insurance: coverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder

  • Purchase Security and Extended Warranty Protection: up to three Additional Cardholders in addition to the Primary Cardholder are eligible for coverage, and this benefit is available when at least 75% of the cost of the item is charged to the Card

  • Mobile Device Insurance: coverage up to $1,000 for eligible mobile devices in the event of loss, theft, accidental damage, or mechanical breakdown

  • Emergency Travel Assistance Services

  • Auto Rental Collision/ Loss Damage Insurance

    Other Insurance Updates
  • Flight/Trip Delay Insurance: when at least 75% of the cost of the trip is charged to the Card

  • Delayed and Lost Baggage Insurance: up to three Additional Cardholders in addition to the Primary Cardholder are eligible for coverage, and this benefit is available when at least 75% of the cost of the trip is charged to the Card

  • Hotel/Motel Burglary Insurance: coverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder

  • Purchase Security and Extended Warranty Protection: up to three Additional Cardholders in addition to the Primary Cardholder are eligible for coverage, and this benefit is available when at least 75% of the cost of the item is charged to the Card

  • Mobile Device Insurance: coverage up to $1,000 for eligible mobile devices in the event of loss, theft, accidental damage, or mechanical breakdown

  • Emergency Travel Assistance Services

  • Auto Rental Collision/ Loss Damage Insurance
  • Flight/Trip Delay Insurance: when at least 75% of the cost of the trip is charged to the Card

  • Trip Cancellation Insurance and Trip Interruption Insurance: For Trip
    Cancellation, up to $1,500 for each insured person (maximum $5,000 for all those insured on same covered trip) and for Trip Interruption, up to $5,000 for each insured person (maximum $25,000 for all those insured on same covered trip)

  • Travel Medical Insurance

  • Delayed and Lost Baggage: when at least 75% of the cost of the trip is charged to the Card

  • Hotel/Motel Burglary Insurance: coverage up to $2,500 per occurrence for each Cardholder on the Account and eligible family members travelling with the Cardholder

  • Purchase Security and Extended Warranty Protection: when at least 75% of the cost of the item is charged to the Card. Drones are now excluded from this coverage

  • Mobile Device Insurance coverage: up to $1,000 for eligible mobile devices in the event of loss, theft, accidental damage, or mechanical breakdown

  • Emergency Travel Assistance Services

  • Auto Rental Collision/Loss Damage Insurance

    Other Insurance Updates
  • Air Canada Benefits
  • Annual Worldwide Companion Pass: Primary Cardholders get an annual round-trip companion pass, which entitles you to buy a companion ticket from $99 (plus taxes, fees, charges and surcharges). Primary Cardholders get a companion pass automatically on your Card anniversary if they have spent $25,000 on net purchases

  • Free First Checked Bag: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy your first checked bag free (up to 23kg/50lbs.) when travel originates on an Air Canada flight

  • Air Canada Maple Leaf LoungeTM Access: Primary Cardholders or Additional Cardholders on the account can access Air Canada Maple Leaf Lounges in North America whether they’re flying together or separately with a same day ticket on a departing Air Canada or Star Alliance flight. They can even each bring a guest

  • Aeroplan Elite Status Qualification Boost (Threshhold benefit for Primary Cardholder only): earn 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases (less any returns and credits) made by the Primary Cardholder or the Additional Cardholder(s) using their TD Aeroplan Visa Infinite Privilege Card

  • Rollover Status Qualifying Miles: Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) 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 Cardholders who also hold Aeroplan Elite Status and requalify for the next year, can roll over up to 50 unused eUpgrade credits, to be used during the following status year

    Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will also receive;
  • Priority Check-In
  • Priority Boarding
  • Priority Baggage Handling
  • Priority Airport Standby
  • Priority Airport Upgrades
  • Free First Checked Bag

  • Aeroplan Elite Status Qualification Boost (Threshhold Benefit): Primary Cardholder will earn 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases (less any returns and credits) made by the Primary Cardholder or the Additional Cardholder(s) using their TD Aeroplan Visa Infinite Card
  • NA
  • Free First Checked Bag

  • Air Canada Maple Leaf LoungeTM One-Time Guest Passes: Primary Business Cardholder will earn a pass for every $10,000 of net purchases (less any returns and credits), up to four passes a year. Passes can be used by the Primary Business Cardholder or Additional Cardholders and their guest, at select Air Canada Maple Leaf Lounges in North America with a same day ticket on a departing Air Canada flight

  • Aeroplan Elite Status Qualification Boost (Threshold Benefit): The Primary Business Cardholder will earn 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases (less any returns and credits)

  •  

    Personal Reflections:

    It’s evident that the best benefits and perks have been packed into the TD Aeroplan Visa Infinite Privilege card, but that it comes with a $599 CAD annual fee may be steep for some members. The core benefits of the card match the benefits that come with TD Aeroplan Visa Business Card, however, the Aeroplan benefits is where the business card pales. TD Aeroplan Visa Infinite Privilege card is squarely targeted at the frequent flyer that wants to roll in style and share the benefits with additional cardmembers. Core TD customers with all-inclusive accounts, that do not care for Air Canada benefits, may find the sweet spot in the TD Aeroplan Visa Infinite card, with a full annual fee rebate on the table, and a strong core benefit package to accompany. I have no doubt that TD has some stellar acquisition offers in the pipeline, one that will make this comparison even more compelling. This year, Christmas may be in November 🙂

    If you had to make a pick, which card would you choose? Share with a comment below!