Why do we recommend the TD® Aeroplan® Visa Infinite* Card?
The TD® Aeroplan® Visa Infinite* Card is a top choice for frequent travelers and those looking to maximize their spending rewards. One of the primary reasons to recommend this card is its attractive Aeroplan points program. Cardholders earn 1.5 Aeroplan points per dollar spent on eligible gas, grocery, and direct Air Canada purchases, and 1 point per dollar on all other purchases. This allows you to accumulate points quickly, which can be redeemed for flights, hotel stays, car rentals, and more.
Additionally, the card offers substantial travel benefits. For instance, cardholders enjoy a free first checked bag for themselves and up to eight travel companions on the same reservation when flying with Air Canada. This perk can lead to significant savings, especially for families or frequent flyers. The card also provides a rebate on the NEXUS application fee, which can expedite your border crossings and airport security checks.
Another highlight is the extensive travel insurance coverage, including travel medical insurance, trip cancellation/interruption insurance, flight/trip delay insurance, and lost or delayed baggage insurance. These protections provide peace of mind and financial security while traveling. Furthermore, the card offers access to the Visa Infinite Concierge service, which can assist with various travel and lifestyle needs, enhancing the overall travel experience.
The card also includes exclusive perks such as discounts at participating Avis and Budget car rental locations, and access to the Visa Infinite Luxury Hotel Collection, which offers special benefits at over 900 luxury hotels worldwide. With these comprehensive travel and lifestyle benefits, the TD® Aeroplan® Visa Infinite* Card is an excellent choice for those seeking to get the most out of their spending and travel experiences.
When can the TD® Aeroplan® Visa Infinite* Card be useful?
The TD® Aeroplan® Visa Infinite* Card is particularly useful for individuals who travel frequently, especially with Air Canada. If you often fly for business or leisure, the card’s travel perks, such as the first free checked bag and NEXUS fee rebate, can make your journeys smoother and more cost-effective. The ability to earn Aeroplan points on everyday purchases and redeem them for travel-related expenses adds significant value for regular travelers.
Moreover, the card’s comprehensive travel insurance can be a lifesaver in case of unforeseen events. If your flight is delayed, you have trip cancellation coverage, or your baggage is lost, you are financially protected. This can save you from unexpected expenses and provide peace of mind, allowing you to enjoy your trip without worry.
The TD® Aeroplan® Visa Infinite* Card is also beneficial for those who enjoy luxury travel experiences. With access to the Visa Infinite Luxury Hotel Collection and the Visa Infinite Dining Series, cardholders can indulge in exclusive hotel benefits and gourmet events. These perks can enhance your travel and dining experiences, making every trip more memorable.
Additionally, the card offers everyday value through its rewards program. Earning 1.5 points per dollar on gas, groceries, and Air Canada purchases can quickly add up, allowing you to accumulate points faster and redeem them for valuable rewards. The ability to earn points twice when shopping at Aeroplan partner brands or online through the Aeroplan eStore further maximizes your earning potential.
In summary, the TD® Aeroplan® Visa Infinite Card is useful for frequent travelers, luxury seekers, and those looking to maximize their everyday spending rewards. Its comprehensive benefits and robust rewards program make it a valuable addition to any wallet.
Benefits of the TD® Aeroplan® Visa Infinite* Card
The TD® Aeroplan® Visa Infinite* Card comes with a host of benefits tailored for frequent travelers and rewards enthusiasts. Cardholders earn Aeroplan points on everyday purchases, with 1.5 points per dollar on eligible gas, grocery, and Air Canada purchases, and 1 point per dollar on other purchases. This allows you to quickly accumulate points that can be redeemed for flights, hotels, and other travel-related expenses.
Travel benefits include a free first checked bag for the cardholder and up to eight companions on the same Air Canada reservation, saving significant baggage fees. The card also offers a NEXUS application fee rebate, which can expedite border crossings and security checks. Comprehensive travel insurance covers medical emergencies, trip cancellations, flight delays, and lost baggage, providing peace of mind during your travels.
Cardholders also enjoy access to the Visa Infinite Concierge service, which can assist with travel planning, dining reservations, and more. Additional perks include discounts at participating Avis and Budget car rental locations, and access to the Visa Infinite Luxury Hotel Collection, offering special benefits at over 900 luxury hotels worldwide.
Disadvantages of the TD® Aeroplan® Visa Infinite Card
Despite its numerous benefits, the TD® Aeroplan® Visa Infinite* Card has some drawbacks. The annual fee of $139 can be a deterrent for some, and additional cards cost $75 each. The card’s rewards and benefits are heavily geared towards Air Canada, which may not be as valuable for those who do not frequently fly with this airline. Additionally, the income requirement of $60,000 personal or $100,000 household may exclude potential applicants.
How is the credit analysis done for the TD® Aeroplan® Visa Infinite Card?
The credit analysis for the TD® Aeroplan® Visa Infinite Card involves several key factors to determine eligibility. Primarily, applicants must meet the minimum income requirement of $60,000 annual personal income or $100,000 annual household income. This ensures that cardholders have the financial capacity to manage the credit extended to them.
Credit history is another crucial aspect of the analysis. TD Bank reviews your credit score and credit report to assess your creditworthiness. A good to excellent credit score is typically required for approval, reflecting your ability to manage credit responsibly. Factors such as timely payments, low credit utilization, and a long credit history contribute positively to your credit profile.
Employment status and stability are also considered. TD Bank may evaluate your employment history and current job stability to ensure a steady source of income. Providing details about your employer, length of employment, and monthly income helps the bank assess your financial stability.
In addition to income and credit history, TD Bank may consider your existing debt obligations. A high debt-to-income ratio can negatively impact your application, as it suggests higher financial risk. Therefore, maintaining a manageable level of debt relative to your income improves your chances of approval.
Overall, TD Bank conducts a thorough review of your financial profile to determine your eligibility for the TD® Aeroplan® Visa Infinite* Card, ensuring that applicants can responsibly handle the credit extended to them.
Is there a maximum and minimum amount for this credit card?
The TD® Aeroplan® Visa Infinite Card does not have a specified maximum or minimum credit limit publicly disclosed. The credit limit assigned to cardholders varies based on individual financial profiles, including factors such as income, credit score, and overall creditworthiness. Applicants with higher income and excellent credit scores may receive higher credit limits, while those with lower income or credit scores might receive lower limits. It’s best to discuss your specific financial situation with TD Bank for precise details on your potential credit limit.
Do you want to apply? Learn how to get the TD® Aeroplan® Visa Infinite Card here
Applying for the TD® Aeroplan® Visa Infinite Card is straightforward. Click the button below to start your application and take advantage of all the travel and rewards benefits this card has to offer.
You will need to provide personal information, including your full legal name, date of birth, home address, phone number, email address, employment status, and gross annual income.
Ensure you meet the income and residency requirements before applying. Start your journey towards earning valuable Aeroplan points and exclusive travel perks today!