But for those frequent travelers or those mind who want to get more value out of every dollar or dollar and point earned, then the TD Aeroplan Visa Infinite Card might just be your new favorite credit card. This Card is not only designed to earn you Aeroplan points for your day to day purchases but to enhance your travel pleasure with a number of privileges. 

And even when you buy your first item, you are halfway to racking up impressive points for flights, hotels, car rentals, and every day merchandise. But it is not only the points, as well as the points rather nomadic and unexpected meetings on the way, during the travel or in the places of interest.

Main features of the TD Aeroplan Visa Infinite card 

The TD Aeroplan Visa Infinite Card is a credit card product of the TD Canada Trust which is a well known Canada’s bank and financial institution. This card is most suitable for the individuals who indulge in rather luxurious lifestyle and prefer to travel. 

This card is ideal for travelers who wish to travel frequently, and be bestowed with the VIP treatment when they do so. This card allows for Aeroplan points to be earnt for every dollar spent and these points can be transferred to up to eight members within the family, thus being ideal for families. 

Furthermore, all the points that you gain will not be expiring for as long as you are a cardholder who is in active use and compliance. TD Canada Trust has made sure that this particular kind of card provides the best of the travel services as well as the regular buying services in the best possible manner.

Understanding the annual fee 

the annual fee for the mentioned TD Aeroplan Visa Infinite Card is $139. It would not be unreasonable to observe that this is typical of such a card if it provides travel and lifestyle facilities. To some people it is a big turnoff to be charged some amount of money to have it bank with that firm, but the services that it gets in return can offset the amount charged.

Deciphering credit limits

The bank should be able to bring a limit that will help you have enough credit while at the same time not go beyond the manageable amount. However, the credit limit that can be ascertain for those with the so-called excellent credit rating as well as a higher income is typically large hence leading to good purchasing power. 

On the other hand, individuals who have lesser income or poor credit rating to their credit might get a smaller credit limit at first and then it can be raised with time depending on what the credit holder does to their card and the money they spend on it. 

Advantages of the TD Aeroplan Visa Infinite card

• Earn Aeroplan Points: Students obtain 1. The model award 5 points for each dollar spent in eligible purchases in gas, grocery and at Air Canada while giving 1 point for every dollar spent in other buys.
• Welcome Bonus: Earn up to 40,000 Aeroplan points in the first year for a range of spending accomplishments.
• Free First Checked Bag: Get a free check of the first bag for you and maximum 8 persons with the same reservation when traveling with Air Canada.
• NEXUS Fee Rebate: Get a refund on your NEXUS application fee after every forty eight months.
• Comprehensive Travel Insurance: It entails travel medical, trip cancellation/interruption, flight delay, lost baggage, and among others.

Standout advantage

Another notable feature of the TD Aeroplan Visa Infinite Card is the transfer and gifting of the Aeroplan points with other family members as a result of the Aeroplan Family Sharing. This feature enables one to accumulate points and get to the travel destination faster than accumulating points individually.

Addressing potential drawbacks

• Annual Fee: The annual membership fee of $139 may be problematic for some people mostly those who rarely travel.
• Income Requirement: The card comes with some basic measures that might not be friendly to every individual or family; the measures include; personal income of $60000 per annum or a household income of $100000.
• Foreign Transaction Fees: Foreign transaction fee applies on the purchases that is made outside of Canada.

Standout disadvantage

The main drawback of the TD Aeroplan Visa Infinite Card is the income condition. Being a premium credit card, it has requirements; one has to earn not less than $60,000 in personal income per year or $100,000 per household. 

Eligibility criteria 

Initially, you must be a resident of Canada and above the majority age in your province or territory of residence. Also, you must meet the minimum annual personal income requirement of $60000 or household income of $100000. Last but not the least, a credit score that ranges from good to excellent will enhance your chances of approval as the bank will carry a credit check during the assessment of the application.

How to apply for the TD Aeroplan Visa Infinite card

It is rather easy to apply for the TD Aeroplan Visa Infinite Card and this can be done online, in branch, by phone or by mail. The TD Canada Trust provides clients with several approaches to application which are online, smartphone application, and branch application.

Via website

The main channel through which people can take out the TD Aeroplan Visa Infinite Card is through the internet, specifically the TD Canada Trust website. One can begin by going to the official webpage of the TD Canada Trust bank and then locating the credit card category. Here the client can get all the necessary information about the card, its functions, the cost of services, and the list of requirements for the application. 

To start your application, there is a button labelled “Apply Online.” You will need to complete a questionnaire in which you enter your name; legal full name, date of birth, home address, phone number, e-mail address, occupation, and monthly gross income. After you complete the application form, you will get the answer immediately concerning your approval.

Through the mobile application

First, please, go to the appropriate store and download the terminal’s application, then, sign in. Go to the credit card tab and choose the TD Aeroplan Visa Infinite Card. The app will replica the application form and will subject the client to the same questions as when applying online. 

Through the store/branch

The applicant has to go to one of the TD branches and discuss with an officer around the requirements of the application. The representative will give you all the information that is needed with regards the card and assist you to complete the application form.