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TD First Class Travel® Visa Infinite* Card review

Welcome Offer Ends Sep 3, 2024

Earn up to $700 in value†, including up to 75,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by September 3, 2024.

Rates & Fees
Eligibility

8 Points Earn 8 TD Rewards Points for every $1 you spend through ExpediaForTD†

6 Points Earn 6 TD Rewards Points for every $1 you spend on groceries and restaurants.†

4 Points Earn 4 TD Rewards Points for every $1 you spend on recurring bill payments.†

2 Points Earn 2 TD Rewards points for every $1 you spend using your card.†

10% Bonus Points Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.

$100 Get an annual TD Travel Credit when you book at Expedia For TD†

USD The annual fee is in USD

20.99% Purchase APR APR for purchases 20.99%†

22.99% Balance Transfer Rate APR for balance transfers 22.99%†

22.99% Cash Advance APR APR for cash advances 22.99%†

$139 Annual Fee Annual fee is in USD. First additional cardholder is $50, subsequent cardholders are $0.

Good Recommended Credit Score

$60,000 Required Annual Personal Income

$100,000 Required Annual Household Income

By Tyler Wade & Scott Birke

Updated: June 04, 2024

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This offer is not available for residents of Quebec.

The TD First Class Travel® Visa Infinite* Card stands out among travel credit cards for its nice welcome bonus, strong rewards rate on all purchases, and particularly massive earn rate for purchases via through Expedia® For TD†. It also offers substantial long-term value for those who have a TD All-Inclusive Banking Plan, as that membership rebates the card’s annual fees for the primary cardholder and an Authorized User.

This could underwhelm some travelers but may be forgivable for those who are just focused on getting as many free flights and hotel nights as possible.

Who's the TD First Class Travel® Visa Infinite* Card for?

A travel lover who wants to accumulate points fast on everyday spending without any loyalty to a particular brand of store, but ideally can be loyal to TD Bank and their booking portal Expedia For TD to find the best travels deals.

TD First Class Travel® Visa Infinite* Card Welcome bonus

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card † .
Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit † of $100 when you book at Expedia ® For TD.
Get an Annual Fee Rebate for the first year † .

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.

Pros and Cons of the TD First Class Travel® Visa Infinite*

Major combined value for the welcome bonus (up to $700 in value)†

Good base earn rate on all purchases

Huge earn rate when you book travel through Expedia® For TD†

Very flexible redemption options

$100 TD Travel Credit†

Visa Infinite Benefits

Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan

Does not provide free lounge access

Charges foreign transaction fees

How to earn TD Points with the TD First Class Travel Visa Infinite

Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†
Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
Earn 2 TD Rewards Points For every $1 you spend on other purchases made using your card†

Points don’t expire as long as your account is active, and the card has no caps on the total amount of TD Points that can be earned.

How to redeem your TD Points

Though there are a number of redemption options with TD Points, you get the best value when redeeming for travel via one of two methods:

1. Book Any Way†

The Book Any Way† redemption path allows you to charge eligible travel expenses to your credit card and then retroactively redeem your points for those expenses within 90 days of the expense date. Travel expenses may include but are not limited to:

Air travel taxes
Baggage fees
Airport parking and shuttles
Car rentals
Local commuter transport, like trains, buses or subways
Travel attractions and entertainment

Each point redeemed via Book Any Way† is worth $0.004 for the first $1,200 of any redemption and $0.005 for the remainder of any redemption above $1,200.

Expedia® For TD

Points can alternatively be redeemed for flights, hotels, vacation packages and rental cars via ExpediaForTD.com. Redeeming with this method yields a flat value of $0.005 per point. The site will indicate the dollar value of the TD points you have on hand, and then you apply those points to your travel purchase when checking out.

Aside from the high value in earning and redeeming rewards via ExpediaForTD.com, the platform also provides a nice price guarantee feature: If you find a cheaper Flight + Hotel package within 24 hours of booking or a cheaper hotel rate up to 48 hours before check-in, Expedia will refund the difference between what you paid and the lower rate you found.

2. Other redemption paths

TD Points can also be redeemed for the following, though the value you get per point tends to be lower than what you get for the above two travel redemption methods.

Amazon’s Shop with Points † : Select your TD card as your method of payment at Amazon.ca checkout , then automatically apply points toward your purchase. 10K TD Points can be redeemed for $33 (value of $0.0033 per point) and can be redeemed for Amazon.ca purchases either in part or in full.
TD’s Shop the Mall † : Redeem points for clothing, electronics and computers from retailers like Roots, Zara, and the Body Shop.
TD’s Shop the Catalogue † : Redeem points for merchandise including clothing, games, furniture, and appliances.
Gift cards † at retailers like Bed Bath & Beyond, Best Buy, Canadian Tire, and more.
Cash statement credit † for your TD card account. This requires a minimum 10K points to redeem. The first 10,000-point minimum is worth $0.005 per point and then each additional 400 points is worth $1 (0.0025 per point).
Education credit † via HigherEdPoints.com . Credits must be purchased in minimum 62,500 points/$250 credit increments, for a redemption value of $0.004 per point.

TD First Class Travel Visa Infinite key benefits

Excellent welcome bonus of up to $700 in value, including up to 75,000 TD Rewards Points and no annual fee for the first year † and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
High earn rate on travel, groceries and restaurants, and recurring bills without loyalty to a particular store
Comprehensive travel insurance

TD First Class Travel Visa Infinite travel insurance and other protections

You can check out our guide to credit card travel insurance to learn more about the different types of coverage listed above, and to review other Canadian travel credit cards that might have stronger travel insurance benefits.

TD First Class Travel Visa Infinite extra benefits

$100 annual travel bonus
Mobile device insurance
Earn more at Starbucks when you link your card
Save a minimum of 10% with Avis and Budget in Canada and the U.S. (5% savings elsewhere)
Apple pay, Google Pay, or Samsung Pay to instantly use your credit card.
Complimentary Visa Infinite Concierge 24/7 for any cardholder request
Visa Infinite Luxury hotel collection, dining series, wine country, and entertainment access.

What people have to say about the TD First Class Visa Infinite

Redditor, alwaysdetermined points out that yes, the annual fee can be waived with TD's All Inclusive but notes "the All-Inclusive costs $29.95, but that account fee can be waived if you keep $5,000 in the account at all times."

Reddit user, SensitiveAward , has the card, says they travel multiple times a year and is please with the insurance coverage saying "TD [credit card] comes out cheaper" when comparing it to third-party travel insurance products.

However, some users say the Expedia For TD prices are higher than regular Expedia rates, so be sure to cross reference the two portals before booking (and clear your internet cache or browse in incognito to prevent tracking)

TD First Class Visa Infinite eligibility requirements, fees, and rates

Minimum income: $60,000 individual and $100,000 household annual income
Foreign transaction fee: 2.5%
Annual fee: $139, $50 for each additional cardholder (fees can be waived with TD's All inclusive banking plan)

How does TD First Class Visa Infinite compare?

When comparing travel credit cards with similar annual fees, the TD First Class Travel® Visa Infinite* Card strengths and weaknesses are clear:

Its sign-up bonus eclipses the competition, which gives it an immediate punch of value. It’s also something of a no-brainer card for those who have TD’s All-Inclusive Banking Plan, as the annual fee rebate† effectively makes the card free to use year after year.

It’s less ideal for those who are unlikely to spend a significant amount at through Expedia® For TD, want to avoid the foreign transaction fees and want free airport lounge access.

TD First Class Travel Visa Infinite vs. Scotiabank Gold American Express® card

No foreign transaction fees, earns 6X Scene points for each $1 CAD on all eligible purchases at Sobeys and eligible grocers¹, 5X Scene+ points for every $1 CAD spent on other eligible groceries and 3X Scene+ points for every $1 CAD spent on gas, and has an all-encompassing travel insurance package.

TD First Class Travel Visa Infinite vs. BMO Ascend™ World Elite®* Mastercard®*

Includes complimentary membership in Mastercard Travel Pass provided by DragonPass,* with four annual complimentary passes. That’s a ~$128 USD value that renews every year*. Plus the up to 60,000-point sign-up bonus* and first year annual fee waiver* is still competitive with the TD card’s sign-up bonus.

*Terms and conditions apply

Drawback: There are increased earn rates but you earn only 1 point for every $1 spent everywhere else where they do not apply.*

Is the TD First Class Travel Visa Infinite worth it?

Yes, for its welcome bonus alone it's a great card. You'll also get a first year annual fee rebate, high earn rate in everyday spending, 10% annual birthday bonus, a $100 annual travel credit, and comprehensive travel coverage.

Is TD First Class Travel good?

Yes, especially if you're a TD client. You can't lose with its awesome welcome bonus, high earn rate in everyday spending, special perks like its birthday bonus and $100 annual travel credit (nearly negating its annual fee), and full suite of insurance coverage.

Does TD First Class Travel have lounge access?

No, there is no airport lounge access with the TD FIrst Class Travel Visa Infinite. Check out the BMO Ascend or Scotiabank passport for cards with similar annual fees that include airport lounge access .

What does TD First Class Travel Cover?

It's the full suite of travel insurance as well as purchase protection and rental car. Check out all the details in the TD First Class Travel review insurance section.

†Terms and conditions apply.

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The best credit cards for airport lounge access in Canada for 2024

Choose from a solid selection of credit cards that feature airport lounge access as part of their perks.

6 annual passes to over 1,200 lounges globally. Plus pay no forex fees when abroad.

4 annual passes to 1,300 lounges globally.

Unlimited access to over 1,300 lounges globally (including premium centurion lounges). Plus get a $200 annual travel credit.

MoneySense is an award-winning magazine, helping Canadians navigate money matters since 1999. Our editorial team of trained journalists works closely with leading personal finance experts in Canada. To help you find the best financial products, we compare the offerings from over 12 major institutions, including banks, credit unions and card issuers. Learn more about our advertising and trusted partners .

By Sandra MacGregor on May 1, 2024 Estimated reading time: 13 minutes

Airport lounge access can transform an otherwise gruelling layover into a relaxing respite. Lounges may offer free snacks and drinks (including complimentary alcoholic beverages), free Wi-Fi, plentiful comfortable seating, dedicated work areas, showers, sleep pods and even spa services. It’s little wonder, then, that for many frequent fliers, lounge access is an especially coveted credit card feature. Let’s look at the lounge access cards that currently top the category in Canada.

MoneySense tip

Credit cards with airport lounge access come with an annual fee, but these fees vary significantly between cards. When searching for the perfect card, don’t get caught up on the fee alone. Knowing how much you fly in an average year, and what other travel perks you plan to make use of, will help you determine which card offers the most value.

—MoneySense editors

Best overall airport lounge access credit card

At a glance: With six complimentary airport lounge visits a year, the Scotiabank Passport Visa Infinite Card offers the most free visits among credit cards in a comparable fee range. For that reason alone, the card pays for itself. Adding to its travel-friendly allure is the fact that it’s one of the few cards in Canada that doesn’t charge a foreign transaction (FX) fee . Other cards typically charge 2.5% on purchases made in a foreign currency.

Scotiabank Passport Visa Infinite

Annual fee: $150
Earn rate : 3 Scene+ points per $1 spent at Sobeys stores; 2 points per $1 on groceries, dining, entertainment and transit; 1 point per $1 on everything else. Plus, pay no FX fees
Welcome offer: earn up to $1,300 in value in the first 12 months, including up to 40,000 bonus Scene+ points and first year annual fee waived. Offer ends July 1, 2024.
Annual income requirement: Personal income of $60,000 or household income of $100,000
Point value: 1 Scene+ point = $0.01 when redeemed for travel, store purchases and food and drink at Cineplex and Scene partners
Recommended credit score for approval : 700 or higher
Interest rates: 20.99% on purchases, 22.99% on cash advances, 22.99% on balance transfers
Receive complimentary Visa Airport Companion Program membership, which includes six free lounge visits per year, the most free visits of any travel credit card in a similar fee range.
No foreign transaction fees on purchases made in non-Canadian currency.
It’s one of the few cards that don’t make you book travel through a proprietary booking site in order to redeem points. While you can book with Scene+ Travel, you can also book travel online or with any travel agency and still redeem Scene+ points to cover the cost of your trip.
The highest earn rate of 3 Scene+ points is only available at a few grocery retailers.
No mobile device insurance coverage.
Scene+ points have a lower value when redeemed for gift cards or merchandise than when used for grocery purchases and travel.

Best luxury airport lounge access card

At a glance: For Aeroplan points collectors who want an elevated airport experience, the TD Aeroplan Visa Infinite Privilege credit card can be a great travel companion. It’s packed with travel benefits like unlimited free access for you and a guest to Maple Leaf Lounges throughout North America.

TD Aeroplan Visa Infinite Privilege

Annual fee: $599
Rewards: 2 Aeroplan points per $1 on direct purchases with Air Canada and Air Canada Vacations, 1.5 Aeroplan points per $1 on eligible gas, grocery, travel and dining purchases, 1.25 points per $1 spent everywhere else
Welcome bonus: You can earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card; Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening. Conditions apply. Account must be approved by September 3, 2024.
Annual income requirement: Personal income of $150,000 or household income of $200,000
Point value: Aeroplan points are worth $0.02 on average
Anniversary bonus: Plus, as an anniversary bonus, earn 30,000 Aeroplan points when you spend at least $24,000 within 12 months of opening the account. Conditions apply.
Interest rates: 20.99% on purchases, 22.99% on balance transfers, 22.99% on cash advances
Other perks: Access to Maple Leaf Lounges; Nexus fee rebate of up to $100 every two years; priority check-in; priority baggage handling; priority boarding; priority airport standby; priority upgrades; access a yearly round-trip companion pass from $99 (plus taxes, fees, charges and surcharges)

The card also comes with a complimentary membership in the Visa Airport Companion Program and includes six lounge visits, usable at over 1,200 airport lounges worldwide. You’ll really feel like a VIP at the airport with other perks like priority check-in, boarding and baggage handling, and you’ll get peace of mind with an extensive suite of travel insurance .

Includes unlimited access to Maple Leaf Lounges for you and a guest and six free visits per year to DragonPass partner lounges.
Take advantage of a Nexus fee rebate of up to $100 every two years.
Comes packed with generous travel-friendly perks like priority boarding and upgrades, as well as a companion pass.
The included travel insurance is robust—with coverage for the first 31 days of your trip if you are under 65, as opposed to the more common 15-21 days. You also get flight delay/ trip cancellation coverage, common carrier and rental car accident insurance.
To qualify, you’ll need a high personal or household income.
Even for a premium card with tons of perks, the annual fee is high, at $599.
Many of the travel benefits (like priority check-in and priority boarding) only apply to flights operated by Air Canada.

Best airport lounge access card for frequent travellers

At a glance: It’s one of the most expensive premium credit cards in Canada, but the $799 annual fee gets you access to the most comprehensive and amenity-laden selection of airport lounges worldwide, including top-tier American Express Centurion Lounges. Depending on the lounge, cardholders may have an unlimited number of free visits and can also bring one companion with them at no additional cost. Cardholders can also take advantage of a yearly $200 travel credit, which essentially brings the cost of the card down to $599 as long as you make a point of using the credit.

American Express Platinum

Annual fee: $799
Rewards: 2 points per $1 on dining and food delivery; 2 points per $1 on travel, plus 1 additional point on purchases booked through Amex Travel Online; 1 point per $1 on everything else.
Welcome bonus: You can earn up to 100,000 rewards points ($1,000 value). Conditions apply.
Annual income requirement: None
Point value: 1 Amex Membership Rewards point = $0.01 when redeemed with the Flexible Points Travel Program, $0.015 on average with the Fixed Points Travel Program, and up to $0.02 with airline points transfers
Recommended credit score: 760 or higher
Interest rates: N/A (as a charge card, you’re required to pay off your balance in full every month)
The card gives you access to The American Express Global Lounge Collection, which is the largest airport lounge collection available, featuring more than 1,300 lounges in over 140 countries. Lounges include American Express Centurion Lounges, Plaza Premium and Delta Sky lounges.
Get a $200 credit that can be redeemed towards a travel purchase made via American Express Travel Online.
When staying at eligible Fine Hotels + Resorts, enjoy extras like guaranteed late check-out and complimentary daily breakfast for two.
Comes with one of the highest annual fees in Canada.
The travel medical insurance is somewhat lacklustre for such a high annual fee—it only covers you for up to 15 consecutive days (other cards offer 20 days or more) and doesn’t offer any insurance to those who are 65 or older.
American Express isn’t as widely accepted by retailers in Canada as Visa and Mastercard.

Best airport lounge access card for occasional travel

At a glance: If you find yourself in an airport even just a few times a year, you’ll appreciate that the BMO Ascend World Elite Mastercard offers free membership in the Mastercard Travel Pass program provided by DragonPass, plus four free passes a year. BMO also has one of the most flexible redemption programs in the country, so you can redeem your points to cover eligible travel purchases like flights, hotels and car rentals no matter what travel provider you booked with.

BMO Ascend World Elite Mastercard

Earn rates: 5 points per $1 spent on eligible travel purchases; 3 points per $1 on dining, entertainment, and recurring bill payments; 1 point per $1 on everything else
Welcome bonus: You can earn up to 100,000 points
Annual income requirement: Personal income of $80,000 or household income of $150,000
Points values: 1 BMO Rewards point = $0.0067 when redeemed for travel
Interest rates: 20.99% on purchases, 23.99% on cash advances, 23.99% on balance transfers
Comes with free membership in the Mastercard Travel Pass program provided by DragonPass, as well as four free passes a year.
Solid selection of travel insurance that includes travel medical, trip cancellation/trip interruption insurance, and delayed and lost baggage insurance.
BMO Rewards has one of the most flexible redemption programs in the country, and you can redeem points for travel purchases without buying from a specific provider.
To qualify, you’ll need an annual personal income of $80,000 or a household income of $150,000.
The card’s base earn rate of 1 BMO point per dollar comes out to a return of 0.67%, which is considerably lower than 1 % return offered by most comparable cards on generic purchases that don’t fall under a bonus category

Best airport lounge access card for travelling to the U.S.

At a glance: If you frequently cross the border to the U.S. for vacations, work trips or family visits, consider the CIBC Aventura Visa Infinite. The card includes membership in the Visa Airport Companion Program and also gives you four free lounge visits a year. Every four years, you get a statement credit of up to $100 towards a Nexus application fee.

CIBC Aventura Visa Infinite

Annual fee: $139
Rewards: 2 points per $1 spent on travel through the CIBC Rewards Centre; 1.5 points per $1 on gas, groceries and drugstores; 1 point per $1 on everything else
Point value: 1 point= $0.01 on average
Welcome bonus: You can earn up to $1,500 in value including a first year annual fee rebate.
Perks: Visa Airport Companion Program membership with four lounge visits a year; Nexus card fee rebate ($100 value, every 4 years); out-of-province emergency travel medical insurance; flight delay and baggage insurance; purchase protection and mobile device insurance; use Journie awards to save on gas
Includes a free membership to the Visa Airport Companion Program managed by DragonPass, as well as four free lounge visits per year.
Flexible rewards program that allows you to redeem points for travel, merchandise, gift cards, mortgage payments and more.
Save up to 10 cents/litre on gas at eligible gas stations if you link your card with Journie Rewards, a loyalty program that helps you earn points at Pioneer, Fasgas, Ultramar and Chevron gas stations.
To get the highest earn rate of 2 points for every $1 spent, you must make a travel purchase via the CIBC Rewards Centre.
The value of points decreases when they’re not used for travel.
There is an $80,000 cap on the 1.5-point earn rate, after which you’ll only get 1 point per $1 spent on groceries, gas and drugstore purchases.

Our methodology: How we determine the best cards

The MoneySense editorial team selects the best credit cards by assessing the value they provide to Canadians across various categories. Our best credit cards for airport lounge access ranking is based on an extensive list of card details and features—with a focus on those that matter to air travellers—including the number of airport lounge visits, annual fees, interest rates, welcome offers, rewards earn rates and redemption options, annual income requirements and perks. We have also considered the pros and cons of each card to help you determine which ones best suit your financial needs. Our rankings are an unbiased source of information for Canadians. The addition of links from affiliate partners has no bearing on the results. Read more about how MoneySense makes money .

Airport lounge access programs in Canada

How to get free access to airport lounges in canada.

Several travel credit cards offer access to airport lounges for cardholders. Depending on the credit card, you can get a certain number of lounge visits every year in specific countries around the world. If you want to get free unlimited access to airport lounges, consider a credit card like the American Express Platinum Card which includes the American Express Global Lounge Collection. The card comes with a fairly large annual fee, like most credit cards with airport lounge access, but the card’s rewards and benefits may outweigh the fee if you are a frequent flier and value the ability to visit airport lounges when you’re traveling.

DragonPass vs. Priority Pass: Which should you choose?

DragonPass and Priority Pass are third-party lounge access membership providers. Up until 2022, Priority Pass was the primary partner for most Mastercard and Visa airport lounge programs. However, DragonPass has become the partner of choice for most credit card lounge access programs for cards like the TD Aeroplan Visa Infinite Privilege and the Scotiabank Passport Visa Infinite . You can still access the Priority Pass program with the American Express Platinum Card , however.

Frequently asked questions

Several different credit cards give you access to airport lounges. Select Mastercards provide membership to the Mastercard Travel Pass program, and some Visa cards offer membership to the Visa Airport Companion Program . Both Visa’s and Mastercard’s airport lounge programs are provided by DragonPass, which features access to over 1,200 lounges worldwide. The American Express Platinum card gives cardholders access to The American Express Global Lounge Collection, the largest lounge collection available.

As airport lounge access is an especially desirable perk, credit card providers generally make it obvious on their websites if they offer airport lounge access. Often, this perk is listed under “travel benefits.” The best way to make sure is to contact your provider directly and ask if it provides airport lounge access, and if any free visits are included. Note that some credit card providers give a free membership to a lounge program but don’t include any free visits. Lounge visits can cost upwards of USD$32 each, even with a membership.

More of Canada’s best credit cards :

Canada’s best credit cards
Canada’s best instant approval credit cards
Canada’s best no fee credit cards
Canada’s best credit cards for people with bad credit
Canada’s best travel credit cards
Canada’s best cash back credit cards

What does the * mean?

Affiliate (monetized) links can sometimes result in a payment to MoneySense (owned by Ratehub Inc.), which helps our website stay free to our users. If a link has an asterisk (*) or is labelled as “Featured,” it is an affiliate link. If a link is labelled as “Sponsored,” it is a paid placement, which may or may not have an affiliate link. Our editorial content will never be influenced by these links. We are committed to looking at all available products in the market. Where a product ranks in our article, and whether or not it’s included in the first place, is never driven by compensation. For more details, read our MoneySense Monetization policy.

The best cards – at a glance
The best airport lounge cards per category
About airport lounge programs

About Sandra MacGregor

TD First Class Travel ® Visa Infinite* Card 🇨🇦

2X points on all purchases
Premium Insurance
Visa Infinite Benefits

Earn up to $700 in value † , including up to 75,000 TD Rewards Points † and no Annual Fee for the first year . Conditions Apply. Account must be approved by September 3, 2024.

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card † .
Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening † .
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points † .
Get an annual TD Travel Credit † of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year † .

Earn TD Reward Points on all the things you normally do, whether you use your card for groceries, dining, paying bills or booking travel. The rewards will add up quickly so you can enhance your travel experience or enjoy a wide variety of rewards.

Earn 8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD †
Earn 6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
Earn 4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
Earn 2 TD Rewards Points for every $1 you spend on other Purchases made using your Card † plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Your Card also allows you to enjoy:

An extensive suite of travel insurance coverages which helps you travel prepared
No travel blackouts † , no seat restrictions † and no expiry † for your TD Rewards Points as long as your account is open and in good standing.

Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details .

Card Awards

Fees & conditions.

Per dollar of purchases

Travel Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

With the TD First Class Travel® Visa Infinite* Card, you can earn up to 75,000 TD Rewards Points † and a rebate on the annual fee for the first year :

20,000 TD Rewards Points for the first purchase made with your Card †
55,000 TD Rewards Points if you spend $5,000 within 180 days of opening †
A birthday bonus equal to 10% of the TD Rewards points you’ve earned in the past year, up to a maximum of 10,000 TD Rewards Points †

Get an Annual Fee Rebate for the first year †

With the TD First Class Travel® Visa Infinite* Card, you get:

8 TD Rewards Points † for every $1 you spend when you book travel through Expedia® For TD
6 TD Rewards Points † for every $1 you spend on Groceries and Restaurants
4 TD Rewards Points † for every $1 you spend on regularly recurring bill payments set up on your Account
2 TD Rewards Points † For every $1 you spend on other Purchases

This TD credit card is one of the best TD travel rewards cards.

TD Best Credit Cards - June 2024
The Best Travel Credit Cards - June 2024
Best Visa Credit Cards - June 2024
Canada's Best Credit Card Offers - June 2024
Expedia For TD: How To Redeem TD Rewards Points?

Alternative Cards

Great Welcome Offer
Air Canada Benefits
NEXUS Credit
Card Details

Earn up to $1,000 in value † including up to 40,000 Aeroplan † points and additional travel benefits. Account must be approved by September 3, 2024.

Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card †
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening †
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of account opening †
Enroll for NEXUS and once every 48 months get an application fee rebate †
Plus, share free first checked bags with up to 8 travel companions †
Earn 1.5 points † for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations ® ) made with your card
Earn 1 point † for every $1 spent on all other Purchases made with your Card
Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
Your Aeroplan Points do not expire as long as you are a TD ® Aeroplan ® Visa Infinite* Cardholder in good standing.
Earn big rewards on the little things : Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks ® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks ® Rewards account. Conditions apply.
Earn Aeroplan Points on your everyday purchases
Redeem your points for travel and more.
Take advantage of an extensive suite of travel insurance † .
Travel lightly through the airport and save on baggage fees † : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lb) when your travel originates on an Air Canada flight.
Complimentary Visa Infinite Concierge † : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
Visa Infinite Luxury Hotel Collection † : Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.

† Terms and conditions apply.

Primary card $139
Additional card $75
Individual $60,000
Household $100,000
Purchase Rates 20.99 %
Cash Advance Rates 22.99 %
Balance Transfer Rates 22.99 %
The Best Aeroplan Credit Cards in Canada - June 2024
Groceries 1.5 Aeroplan Points
Gas 1.5 Aeroplan Points
Air Canada 1.5 Aeroplan Points
Year 1 $1,225
Year 2+ $425
Annual Credit
VIP Lounges
Travel credit
4.5X points on grocery and restaurants purchases†
Purchase Insurance

Earn up to $370 in value † , including up to 50,000 TD Rewards Points † and no Annual Fee for the first year † . Conditions apply. Account must be approved by September 3, 2024.

Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card † .
35,000 TD Rewards Points when you spend $1,000 within 90 days of Account opening † .
Get an annual fee rebate for the first year †

To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders by September 4, 2024.

Earn 6 TD Rewards Points † for every $1 you spend when you book travel through Expedia ® For TD † .
Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants † .
Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account † .
Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card † .
Flexibility to redeem your TD Rewards Points on a wide variety of rewards at Expedia® For TD, Starbucks ® and more.
Booking your travel through Expedia ® For TD † to maximize the TD Rewards Points you can earn on your travel purchases.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply. See more details.

†Terms and conditions apply.

Primary card $89
Additional card $35
Individual $0
Household $0
Groceries 4.5 TD Rewards Points
Dining and Food delivery 4.5 TD Rewards Points
Recurring Payments 3 TD Rewards Points
Year 1 $647
Year 2+ $219
3% cash back on groceries and gas

Earn up to $500 in value † , including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500 † . Conditions apply. Account must be approved by January 6, 2025.

Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made † .

Earn 3% in Cash Back Dollars on eligible grocery Purchases and gas Purchases † , and on regularly recurring bill payments † set up on your account
Earn 1% Cash Back Dollars on all other Purchases made with your Card †
Earn Cash Back Dollars on every eligible purchase.
Redeem your Cash Back Dollars to help pay down your Account balance whenever you please – the choice is yours! †
Your Cash Back Dollars never expire as long as your account is open and in good standing
Emergency Road Services with Deluxe TD Auto Club Membership
Complimentary Visa Infinite * Concierge service † available 24/7
Mobile Device Insurance †
Additional card $50
Canada's Best Cash Back Credit Cards - June 2024
Groceries 3 %
Recurring Payments 3 %
Year 1 $969
Year 2+ $341

TD First Class Travel ® Visa Infinite * Card

Summary of flytrippers' review, why get this card.

Great welcome bonus of $625
Rewards of the more simple type that can be used for almost any travel expense
Excellent insurance coverage
Good multiplier earn rates
No annual fee the 1st year

WHO SHOULD GET THIS CARD

Those who want simple points that can be used for almost any travel expense
Those who want excellent insurance coverage
Those who want no annual fee the 1st year (even though the total value is always what you should look at)

Flytrippers award won

Scroll for all details or check out our review

Detailed review of the TD First Class Visa Infinite Card

Go to our editorial card review page (coming soon)
Keep scrolling here for all the details
Apply now via TD secure link
See all the best credit cards in Canada

All card details

Offer structure (2 separate bonuses)

20,000 TD Rewards points Bonus after making 1 purchase (no minimum amount)
55,000 TD Rewards points Bonus after spending $5,000 (in a maximum of 180 days)

75,000 TD Rewards points Total with the 2 parts of the bonus

(Limited-time offer — Ends September 3, 2024)

‣ Apply for the TD First Class Travel ® Visa Infinite * Card

Total rewards by unlocking the welcome bonus

75,000 TD Rewards points Welcome bonus (2 parts)
30,000 TD Rewards points Estimated earn on the minimum spending requirement of $5,000 (at multiplier earn rate of 6 pts/$)

105,000 TD Rewards points Welcome bonus + Earn on the minimum spending requirement to unlock it

Net value (at our Flytrippers Valuation of 0.5¢/pt)

$100 Welcome bonus after 1st purchase (20,000 pts)
$275 Welcome bonus after min. spend (55,000 pts)
$150 Earn on the required spending (30,000 pts)
$100 Travel credit on $500+ hotel booking (fixed value)
–$0 Card fee (no annual fee the 1st year)

$625 Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

Effective return rate

12.5% Return on the minimum spending requirement of $5,000 in 180 days

‣ Details about effective return rates (coming soon)

Rewards acquisition summary

$625 Rewards you get for $0 in fees paid

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 105,000 TD Rewards points you get by unlocking the welcome bonus:

$525 Travel booked on Expedia for TD
$420 Travel booked on any website
$346 Merchandise on Amazon
≈ $346 Gift cards
≈ $346 Merchandise
$262 Statement credit

‣ Details of the best redemptions of TD Rewards points (coming soon)

Value of redemption options (per point)

For each available redemption option, here is the value per TD Rewards point to help you understand:

0.5¢ Travel booked on Expedia for TD
0.4¢ Travel booked on any website
0.33¢ Merchandise on Amazon
≈ 0.33¢ Gift cards
≈ 0.33¢ Merchandise
0.25¢ Statement credit

‣ Details of the value per point

Redemptions for travel (Expedia for TD)

The more simple type of rewards redemption, with a fixed value. It is worth less but gives you more flexibility. TD Rewards points can be used for almost any travel expense this way, because Expedia for TD has just about every option, including activities and attraction tickets.

Redeem your 105,000 TD Rewards points for:

1,000 pts Discount of $5 on travel booked on Expedia for TD
10,000 pts Discount of $50 on travel booked on Expedia for TD
100,000 pts Discount of $500 on travel booked on Expedia for TD
105,000 pts Discount of $525 on travel booked on Expedia for TD

Redemptions for travel (any website)

Another more simple type of rewards redemption, with a fixed value. When using them this way, TD Rewards points are really as simple as points can be, as you can use them to simply erase any travel expense booked on any site.

1,000 pts Discount of $4 on travel booked on any website
10,000 pts Discount of $40 on travel booked on any website
100,000 pts Discount of $400 on travel booked on any website
105,000 pts Discount of $420 on travel booked on any website

Redemptions for anything other than travel

Should always be avoided , as with (almost) all rewards!

‣ Details about why you should always use your rewards for travel

Annual Birthday Bonus † On your birthday, you’ll get a bonus equal to 10% of the total points earned on your purchases in the 12 months prior, up to 10,000 points.

‣ Details about the TD Birthday Bonus (coming soon)

Annual $100 travel credit † You get a $100 travel credit that applies on your 1st hotel booking of $500 or more at Expedia For TD every calendar year.

‣ Details about the TD annual travel credit (coming soon)

Starbucks partnership† You get 50% more TD Rewards points and 50% more Stars.

‣ Details about the TD and Starbucks partnership (coming soon)

Access to the TD Lounge at Toronto Union Station † Not as nice as airport lounges, but this lounge provides free coffee and a few snacks.

‣ Details about the TD Lounge at Union Station (coming soon)

Visa Infinite Hotel Collection † You get exclusive perks at some expensive luxury hotels.

‣ Details about the Visa Infinite Hotel Collection (coming soon)

Visa Infinite Dining and Wine Country program † You get access to exclusive expensive gourmet experiences.

‣ Details about the Visa Infinite Dining and Wine Country program (coming soon)

Visa Infinite Entertainment Access † You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣ Details about the Visa Infinite Entertainment Access program (coming soon)

Insurance included

Medical travel insurance for age 64 and under (21 days) †
Medical travel insurance for age 65 and above (4 days) †
Flight delay insurance ($500, 4hr minimum) †
Trip cancelation insurance †
Trip interruption insurance †
Travel accident insurance †
Delayed and lost baggage insurance †
Rental car insurance †
Hotel burglary insurance †
Extended warranty coverage †
Purchase protection coverage †
Mobile device insurance †

‣ Details about the insurance coverage included with the card (coming soon)

Insurance not included (among the main types)

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

8 points per $ ( 4% ):

Travel booked through Expedia For TD †

6 points per $ ( 3% ):

Groceries †
Indirectly at all retailers from the gift cards display in grocery stores †
Restaurants† (and food delivery apps )

4 points per $ ( 2% ):

Recurring bill payments set up on your Account †

2 points per $ ( 1% ):

All other purchases †

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards) You can pool TD Rewards points with additional cards (“joint” cards) added to this account. Additional cards have a fee of $50 (rebated in the 1st year) † .

‣ Details about pooling rewards with additional cards (coming soon)

Pooling (with separate cards that earn TD Rewards points) You can pool points across your separate cards that earn TD Rewards points.

‣ Details about pooling TD Rewards points from separate cards (coming soon)

Pooling (with travel companions) You cannot pool TD Rewards points with travel companions. But the points are so easy to redeem that you don’t need to pool them either.

‣ Details about pooling TD Rewards points with travel companions (coming soon)

Expiration (if you have the card) TD Rewards points never expire as long as you have the TD First Class Travel ® Visa Infinite * Card !

‣ Details about TD Rewards points expiration (coming soon)

Expiration (if you don’t have the card) You have 3 options to easily keep your TD Rewards points from expiring even without the card:

Change the card to its no-fee version instead of closing it
Combine points with those from another card that earns TD Rewards points
Redeem points in the 90 days after closing the card

‣ Details about reward expiration policies (coming soon)

How to get started

Apply for the TD First Class Travel ® Visa Infinite * Card
Make 1 purchase (no minimum) to unlock 1st part of bonus
Spend $5,000 (in a maximum of 180 days) to unlock 2nd part of bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

How to use/manage rewards

Create a TD online account in a few clicks
Use/manage your TD Rewards points on the TD website

‣ Learn more about how to use/manage TD Rewards points (coming soon)

Card eligibility

Minimum income: $60,000 (personal) OR $100,000 (household) †
Age: Majority in your province
Estimated credit score: Good OR Excellent
Credit bureau: Equifax Canada

‣ Details about credit card eligibility requirements (coming soon)

Welcome bonus eligibility You must not have activated or closed the TD First Class Travel ® Visa Infinite * Card in the past 12 months.

‣ Details a bout credit card welcome bonus eligibility rules (coming soon)

Offer end date Account must be approved by September 3, 2024 † .

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

Summary of card details

Issuer: TD Bank Canada (Toronto-Dominion)
Network: Visa
Card type: Credit card
Product type: Personal card
Rewards: TD Rewards points
Rewards class: Bank rewards

‣ Details about credit card basics (coming soon)

Card fee: $139/year (rebated in the first year; account must be approved by September 3, 2024) †
Fee for optional additional card: $50/year (rebated in the first year; you must add your first Additional Cardholder by September 4, 2024) †
Foreign transaction fee: 2.5% †
Balance transfer fee: 3% †

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

Annual interest rates

Purchases: 20.99% †
Funds advances: 22.99% † (20.99% for Québec residents) †

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Earn up to $700 in value†, including up to 75,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.

Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 55,000 TD Rewards Points when you spend $5,000 within 180 days of Account opening†.
Earn a Birthday Bonus of 10% of the TD Rewards Points you have earned over the past year, up to a maximum of 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.

To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder by September 4, 2024.

Your Card also allows you to enjoy:

An annual TD Travel Credit† of $100 when you book at Expedia® For TD.
TD Rewards Birthday bonus† that helps you celebrate in style.
An extensive suite of travel insurance coverages which helps you travel prepared
No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
Redeem your TD Rewards Points towards making purchases at Amazon.ca with Amazon Shop with Points. Conditions apply.
Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
Earn 6 TD Rewards Points† for every $1 you spend on Groceries and Restaurants†.
Earn 4 TD Rewards Points† for every $1 you spend on regularly recurring bill payments set up on your Account†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus † of up to 10,000 TD Rewards Points

Explore the travel benefits and insurance coverages included with your Card:

$100 TD Travel Credit †

Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.

Travel Medical Insurance † Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Flight/Trip Delay Insurance †: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
Trip Cancellation/Trip Interruption Insurance † For Trip Cancellation, up to $1,500 of coverage per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption, up to $5,000 of coverage per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
Common Carrier Travel Accident Insurance † Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train, or auto rental)
Emergency Travel Assistance Services † Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
Delayed and Lost Baggage Insurance † Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
Auto Rental Collision/Loss Damage Insurance †

Coverage up to 48 consecutive days

Visa Infinite Luxury Hotel Collection † :  Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
Visa Infinite Dining Series † :  As a Visa Infinite Cardholder, you have access to exclusive gourmet events that cater to your astute tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
Visa Infinite Wine Country Program † :  Show your Visa Infinite card onsite and you can experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario and Sonoma Valley including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
Visa Infinite Entertainment Access † :  Get exclusive access to tickets to curated events across Canada throughout the year. Visa Infinite Cardholders can also enjoy exclusive benefits, access and offers for the Toronto International Film Festival®
Mobile Device Insurance † :

Up to $1,000 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.

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 † :   You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your Canadian Credit Card, should they be stolen or damaged within 90 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 12 additional months.

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid (it will open in a separate tab, or you can click here ).

via TD secure application

Questions? Make use of Flytrippers' expertise

Our travel tips have been featured in many major media outlets in canada.

We've been earning rewards since 2008 and sharing content since 2017. Millions of Canadian travelers have taken advantage of our experience. We can help you by answering all your questions!

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Terms & conditions — Travel rewards

† Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

You can learn more about our terms of use here .

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Apply now for the TD First Class Travel ® Visa Infinite * Card and get a welcome bonus worth $ 625 !

Introducing the new TD Visa Infinite Credit Card Lounge at Union Station

There is a new spot for TD® Visa Infinite* and TD Infinite Privilege * cardholders to kick back in style at Union Station.

Introducing TD’s new TD® Visa Infinite* Credit Card Lounge at Union Station. Located in the West Wing across from the VIA Rail Business Lounge, the lounge is an exclusive space where TD Visa Infinite* and TD Infinite Privilege* cardholders can go to relax and unwind while at the station. Whether you’re looking to quickly pop-in for Wi-Fi access during a commute, a quiet space to catch up on emails, or simply a comfortable spot to grab a complimentary beverage and snack, the TD® Visa Infinite* Credit Card Lounge creates a personalized experience to ensure all your needs are met.

Some of the amazing features include complimentary self-serve snacks and drinks, charging stations, and multiple screens where guests can get caught up on TD Card benefits and train schedules. The lounge will also feature a rotating Inuit art collection to showcase some of the amazing works that TD has in its collection.

The lounge will be available for use from 7am to 7:30 pm on weekdays and 9am to 5pm on weekends. Guests can check-in with the on-site concierge and can bring one guest in with them . This is another example of how, together with Union, TD is bringing services to enhance the commuter and customer experience.

All trade-marks are the property of their respective owners. * Trademark of Visa Int., used under license. The TD logo and other trade-marks are the property of The Toronto-Dominion Bank

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Which Airports Have Arrivals Lounges?

Many travellers are familiar with airport departure lounges, and enjoy access to them through credit cards, business class or First Class tickets, or elite status.

What many travellers may not know is that there are also airport lounges that are designated specifically to be used after your flight, when you arrive at your destination.

In This Post

What are arrivals lounges, accessing arrivals lounges.

As the name suggests, arrivals lounges are meant as a place of respite after your flight arrives at your destination airport.

The lounges typically offer showers, a space to get refreshed after a long journey, a place to work or make a phone call, free Wi-Fi, and a selection of food and drinks.

Generally speaking, arrivals lounges are much smaller than departure lounges, and they typically have stricter access requirements, with entrance often reserved solely for business class and First Class passengers.

Arrivals lounges can be particularly handy in a number of situations, such as getting refreshed after a long flight and before a big meeting, or if your hotel check-in time is hours away, and you need a quiet place to work or relax.

Additionally, some lounges also provide unique and helpful services (e.g., ironing your clothes), which we’ll highlight in detail below.

Arrivals lounges are hosted by individual airlines, as well as by hospitality groups like Plaza Premium .

Their hours of operation vary depending on the airport and its flight schedule, as the lounges are generally open to service passengers coming in on long-haul flights.

Access varies for each individual lounge, and we’ll explore this further in the section below.

Generally speaking, arrivals lounges hosted by airlines are made available for business class and First Class passengers of the associated airline and for passengers with related elite status (e.g., airline elite status, Star Alliance elite status).

For passengers travelling in economy class without elite status, some lounges are accessible through lounge pass memberships, such as Priority Pass and DragonPass, while others offer day-rates that can be reserved ahead of time or purchased at the entrance.

In this section, we provide details about a number of arrivals lounges from around the world to give you an idea about what you might expect on your visit.

Although the list is not exhaustive, it does showcase how arrivals lounges can range from incredibly luxurious to very basic, and everything in between.

London Heathrow (LHR)

Heathrow Airport is the United Kingdom’s largest airport, and one of the busiest airports in the world. As of early 2024, the airport is home to four arrivals lounges spread across three of its four passenger terminals.

The Arrivals Lounge is used by both United Airlines and Air Canada. The lounge is located in Terminal 2, and is open from 6am to 2pm.

The lounge is accessible to United Polaris business class passengers and Air Canada business class passengers arriving on an international flight, plus Aeroplan Super Elite 100k members (who may also bring one guest).

Visitors to the lounge can enjoy showers (17 suites in total), basic personal amenities to help get refreshed after a long flight, free Wi-Fi, buffet and à-la-carte food and drink options, and a few different seating options.

The American Airlines Arrivals Lounge is used by both American Airlines and British Airways. The lounge is located in Terminal 3 and is open from 6:30am to 3:30pm.

Access to the lounge is granted to those who flew on a same-day American Airlines flight, and who are, or who possess, the following:

Flying in Flagship First, Flagship Business Plus, or Flagship Business
AAdvantage Executive Platinum or AAdvantage Platinum Pro status
ConciergeKey status
Oneworld Emerald status
British Airways Premier status

You may also access the lounge if you flew on British Airways on a same-day, long-haul international flight that arrived in Terminal 3, and you are or have the following:

Flying in British Airways First Class or business class
one world Emerald status

The Arrivals Lounge offers shower suites (30 in total) stocked with towels and amenities, and the unique feature of valet ironing.

Each shower suite has a two-way closet where you can hang your clothes. You then ring a bell to inform the staff, and they will press your outfit while you freshen up.

The lounge also provides visitors with both buffet and à-la-carte food and drink options, a coffee and champagne bar, a business centre, free Wi-Fi-, and a selection of magazines for you to enjoy.

The Virgin Atlantic Revivals Lounge is also located in Terminal 3 and provides access to passengers flying Virgin Atlantic and Delta.

The lounge is open daily from 5am to 12:30pm, and can be accessed by the following passengers arriving at London Heathrow:

Passengers travelling in Virgin Atlantic Upper Class
Flying Club Gold members travelling with Virgin Atlantic or Delta
Passengers travelling in Delta One
Delta SkyMiles Diamond Medallion cardholders (travelling from the US on either Virgin Atlantic or Delta)
Delta SkyMiles Platinum Medallion cardholders (travelling from the US on either Virgin Atlantic or Delta)
Virgin Australia Velocity Club Platinum cardholders (travelling on Virgin Atlantic)
Virgin Australia Velocity The Club cardholders (travelling on Virgin Atlantic)

The Virgin Atlantic Revivals Lounge offers shower suites, luxury amenities, free Wi-Fi-, both buffet and à-la-carte food and drink options, a range of seating options, and, like the American Airlines lounge, you can also have your outfit ironed before you head out to continue your day.

The British Airways Galleries Arrivals Lounge is located in Terminal 5 and is open from 5am to 2pm. The lounge is available for the following guests:

British Airways customers arriving in First Class or business class (Club World) cabins
British Airways Executive Club Gold cardholders arriving on a long-haul British Airways flight
American Airlines customers arriving in First or business Class cabins
American Airlines ConciergeKey cardholders arriving on a long-haul American Airlines flight

The British Airways Galleries lounge offers showers (94 of them!), an à-la-carte food and drink menu (with a full English breakfast available until 12pm), a few small buffet items (mostly pastries and fruit), a variety of seating options, free Wi-Fi, and a small business centre.

Frankfurt International Airport (FRA)

The Frankfurt International Airport is home to two arrivals lounges, the Lufthansa Welcome Lounge and the LuxxLounge, both located in Terminal 1.

Lufthansa’s Welcome Lounge is located on the arrival level, immediately behind baggage claim area B, and is open from 5:15am to 12:30pm.

Access is granted to the following passengers:

First Class and business class passengers, as well as Lufthansa status passengers arriving on intercontinental Lufthansa or Discover Airlines flights
HON Circle members arriving on a flight operated by Lufthansa, SWISS, Austrian, or Discover Airlines
United Airlines Global Services Card members arriving on a United flight
First Class passengers arriving on an Air China flight

The Lufthansa Welcome Lounge spans two floors and has lockers to store your luggage immediately upon entry. The lounge offers ample seating options, a business centre, free Wi-Fi-, a buffet with a substantial selection of hot and cold food and drinks, and 28 shower suites, which provide towels and amenities.

The LuxxLounge is the first arrivals lounge that we’re looking at that is open to the general public, allowing those with and without premium boarding passes or elite status to enjoy the space for a fee of €35 for three hours.

The lounge can be found between Concourses B and C on the gallery level of Terminal 1, and is open from 6:30am to 9:30pm.

The space offers a range of seating options, some snacks and drinks, free Wi-Fi, and shower facilities.

As a unique feature, the LuxxLounge also provides a six-person conference room that you can book for an additional fee.

Zurich International Airport (ZRH)

Zurich International Airport, the largest airport in Switzerland, has one arrivals lounge located in Terminal 2.

The Swiss Arrivals Lounge is the open from 6am to 1pm and can be found after customs near Arrivals 2.

The lounge is accessible to First Class and business class passengers flying with Swiss and Lufthansa, as well as Miles & More HON Circle, Senator, and Frequent Travellers members.

Passengers who do not qualify for access based on the above list are welcome to purchase access through the Swiss website for 69 Swiss Francs ($110 CAD, $80 USD).

Similarly to the other lounges, the Swiss Arrivals Lounge offers a breakfast buffet with a range of hot and cold food and drink options, shower suites with amenities, free Wi-Fi, business rooms, and a variety of seating options, including “quiet” rooms with reclining chairs.

Notably, the lounge also provides visitors with the opportunity to reserve an actual bedroom to enjoy a private nap after a long flight. Unsurprisingly, these rooms are quite popular, so if you’re hoping to partake, you’ll want to note your interest with the staff as soon as you arrive at the lounge.

Paris Charles de Gaulle International Airport (CDG)

Charles de Gaulle International Airport in Paris is home to two arrivals lounges, both located in Terminal 1.

The Qatar Airways Premium Lounge grants access to First Class and business class passengers arriving on either a Qatar Airways flight or any Oneworld airline, as well as to Privilege Club members with Gold elite status or higher.

The lounge is open from 5am to 10pm daily and can be found on the 11th floor of Terminal 1, offering views all the way to the Eiffel Tower.

The Qatar Airways Premium Lounge provides a luxurious lounge experience with beautiful seating areas for relaxation, socializing, and working, and it offers a wide array of high-end dining options.

The space is also quite unique in that it has a fountain, two outdoor terraces, incredible views, male and female prayer rooms, shower suites, and more.

Alternatively, the Star Alliance Lounge is open to Star Alliance members with Gold status or higher, as well as to passengers with eligible lounge memberships and premium credit cards, making it considerably more accessible.

Furthermore, if you don’t have any free passes available through your lounge membership program, you can purchase a day-pass for $35 (USD).

The Star Alliance Lounge is open from 5:30am to 10pm and offers three buffets with rotating food and drink options, showers, free Wi-Fi, and a range of seating options.

Notably, the lounge also has an open-air terrace, which doubles as a designated smoking area. It’s worth noting that there are two Star Alliance Lounges in Paris; however, the newly opened Star Alliance Lounge is located airside, while this lounge is located prior to security.

Rio de Janeiro/Galeão–Antonio Carlos Jobim International Airport (GIG)

The Plaza Premium Lounge in Terminal 2 is part of Plaza Premium’s network of lounges, so access is available to anyone with an eligible credit card, members with available passes, and those who wish to purchase a single-entry pass.

The fee for single use is $35 (USD) per person, and the lounge is open 24/7, making it very convenient regardless of when you land.

Lounge visitors can enjoy a range of food and drink options, lots of seating options, free Wi-Fi, showers and amenities, and more.

The space also has relaxation suites that can be pre-booked (for an additional fee) if you’d like to grab a nap, plus a VIP room and a meeting room for your convenience.

Sydney Kingsford Smith International Airport (SYD)

Passengers arriving in Sydney are prime candidates for an arrivals lounge, given that this airport serves many long-haul and ultra-long-haul flights.

Terminal 1 is home to a Plaza Premium Lounge for arriving passengers, which can be accessed via an eligible premium credit card that offers Plaza Premium visits, or by paying the single-entry fee of around $40 (CAD) for an up to five-hour stay.

This large lounge offers a variety of food and drink options, free Wi-Fi, and loads of seating.

For an additional fee, you can also make use of their shower facilities, private relaxation suites, VIP room, and meeting room.

Johannesburg OR Tambo International Airport (JNB)

At OR Tambo International Airport in Johannesburg, there’s the South African Airways Arrivals Lounge, located in Terminal A.

Access to this lounge is open to the following passengers:

Voyager Lifetime Platinum, Platinum, and Platinum Elect members (plus one guest) when arriving on South African Airways
Business class passengers and Voyager Gold and Gold Elect members when arriving on South African Airways (no guest privileges)
Discovery Bank Purple cardholders and Investec Enigma cardholders, regardless of airline flown (no guest privileges)

The lounge offers its guests a variety of food and drink options, spaces to rest or to work, shower suites, clothes pressing services, an enclosed smoking area, and free Wi-Fi.

Dubai International Airport (DXB)

At the Dubai International Airport, there are two arrivals lounges in Terminal 3.

The Their Patio Lounge by Plaza Premium Group offers complimentary access to guests holding an eligible credit card or lounge membership, and to those who purchase a single-entry pass, which costs around $50 (CAD) for a two-hour stay.

Notably, the Their Patio Lounge is actually designed as a co-working space rather than a normal arrivals lounge, so it doesn’t have many of the usual lounge offerings.

There are no shower suites, and there is only the smallest range of snacks and beverages. However, the space does provide meeting rooms, a conference room, a co-working space, printing and photocopying, and a concierge service.

Uniquely, the lounge services also include a consultancy centre to help with business set-up, visa sponsorship, residency inquiries, and more.

The other arrivals lounge at the Dubai International Airport is the Jumeirah Airport Lounge, which is a high-end lounge reserved exclusively for passengers who’ve requested an airport transfer to one of Jumeirah’s hotels or resorts.

Given that this space is run by a luxury hotel chain, it’s not surprising that it’s a stunning space and functions more like a private spa than an airport lounge, offering food, drink, showers, and a range of bespoke concierge services to make your travel experience seamless.

Hamad International Airport (DOH)

Home to Qatar Airways, Hamad International Airport in Doha has two lounges for arriving passengers, one which is fairly exclusive, and the other which is considerably more accessible.

The Qatar Airways First and Business Class Arrivals Lounge is, as the name suggests, exclusively for Qatar Airways business class and First Class passengers.

The arrivals lounge is an extension of the dedicated premium immigration facility that exists to streamline the process for First Class and business class passengers.

The arrivals lounge is nicely appointed with many seating areas, a business centre, free Wi-Fi, shower suites, a buffet selection of food and drinks, and a small à-la-carte menu.

Another lounge option at the Hamad International Airport is the Al Maha Arrival Lounge, which is open 24 hours a day. Lounge access is complimentary for Platinum and Gold Privilege Club members and is also made available to passengers with eligible lounge memberships (though this access may be restricted during peak times).

Access is also available for the day-rate fee of 230 QAR ($85 CAD, $65 USD) for adults and 115 QAR ($42 CAD, $31 USD) for children.

If you’ve got an abundance of Avios points, you could choose to pay the entrance fee using your points by booking the services online.

The Al Maha Arrival Lounge is quite large and offers all the standard lounge amenities, including hot and cold food and drinks, first-come-first-served shower suites, free Wi-Fi, luggage lockers, loads of seating options, and a business centre.

More unique features of the lounge include family rooms, quiet rooms with reclined chairs suited for naps, and a smoking room.

Tokyo Narita International Airport (NRT)

Narita International Airport in Tokyo has four arrivals lounges on offer, two in Terminal 1 and two in Terminal 2.

The ANA Arrivals Lounge in Terminal 1 is open from 2pm to 5:55pm (or until the departure of the final ANA-operated domestic flight). These odd hours are because the lounge is also a departure lounge for domestic flights, so the space is shared with outgoing passengers as well.

Access to the lounge is reserved for passengers travelling on long-haul ANA flights in business class and First Class, as well as ANA elite members holding Diamond, Platinum, or Super Flyers Club status, and those with an ANA Million Miler Program’s lounge access card.

Additionally, each passenger may bring one guest to the lounge, with the exception of passengers travelling in business class.

The ANA Arrivals Lounge is quite large, with ample seating, and it offers shower suites, business facilities, free Wi-Fi, and a small offering of snacks and drinks.

Narita Airport also has two IASS Executive Lounge locations, one in Terminal 1 and the other in Terminal 2. The lounges are open from 7am until 9pm and provide free Wi-Fi, a quieter place to seat, and complimentary drinks (though alcohol is limited to a single drink).

It’s noteworthy that neither lounge has showers, though as discussed below, there’s a separate shower area in Terminal 1.

Access to both IASS Executive Lounges is available to those with eligible credit cards or membership to lounge pass programs, and the only notable difference between the two locations is that the Terminal 2 lounge has seating for over 130 people, while the lounge in Terminal 1 can only fit around 80 people.

If you’re hoping to have a shower when you land at Narita Airport, Terminal 1 is home to the Narita Airport Showers, which offers any passenger the opportunity to get refreshed after a long flight for a fee of ¥1,050 ($10 CAD, $7 USD).

A final option in Terminal 2 is the Rassurants Traveler’s Lounge, which, similarly to the IASS Executive Lounges doesn’t offer food or showers and charges a fee of around ¥1,000 ($10 CAD, $7 USD).

Given the lack of amenities, the space is mostly available to provide a quiet area to rest or work before venturing on to the next part of your journey, and we’re not sure that we’d really call it an “arrivals lounge.”

Tokyo International Airport – Haneda (HND)

Tokyo Haneda International Airport (HND), the city’s second major airport, currently has one arrivals lounge.

The Power Lounge Central is operated by Haneda Airport itself, and is located in Terminal 1.

The lounge offers some light food options as well as showers for an additional charge. You can purchase access to this lounge at ¥1,080 ($10, $7 USD) per person.

In Terminal 3, the airport also operates designated shower rooms for all passengers to enjoy. The TIAT Shower Rooms can be accessed for ¥1,030 ($10 CAD, $7 USD).

Additionally, in the past, ANA has had an arrivals lounge in Terminal 2, but unfortunately it’s temporarily closed. The lounge is currently scheduled to re-open in 2025.

Indira Gandhi International Airport (DEL)

India’s main airport, the Indira Gandhi International Airport in Delhi has one arrivals lounge in Terminal 3.

The Encalm Lounge is open 24 hours a day, and access is available to passengers with lounge memberships and eligible credit cards.

The lounge is fairly simple, with free Wi-Fi, some seating, and a small selection of food and drink options. Notably, the lounge does not have shower suites, so it is mostly designed to be a quieter place to relax or work before you leave the airport.

Mumbai Chhatrapati Shivaji Maharaj International Airport (BOM)

In Mumbai, at Chhatrapati Shivaji Maharaj International Airport, the Aviserv Lounge in Terminal 2 is available to welcome guests who are in transit. While it’s not exclusively an arrivals lounge, this space provides similar amenities.

Access to the lounge can be enjoyed by passengers with a Priority Pass and DragonPass membership, and it can also be purchased, with the prices ranging based on which amenities you’d like to use.

Prices range from around $15 (CAD) just for lounge entry, a meal, and Wi-Fi, to around $115 (CAD) for eight hours of access, including a sleeping pod, shower, meal, and Wi-Fi.

The lounge also offers à-la-carte pricing for the sleeping pods, showers, and clothes steaming.

Arrivals lounges provide travellers with a place to unwind, get refreshed, and do a bit of work after a long flight.

Many of the lounges offer refreshments, which range from very modest selections to high-end dining experiences, and most lounges provide shower suites to help revitalize you before the next part of your journey.

The next time you travel, consider looking in to whether your destination airport has an arrivals lounge, as it can be a great way to decompress after your flight.

Earn 80,000 MR points upon spending $15,000 in the first three months
Plus, earn 40,000 MR points upon making a purchase in months 14–17 as a cardholder
And, earn 1.25x MR points on all purchases
Also, receive a $200 annual travel credit
Transfer MR points to Aeroplan and other frequent flyer programs for premium flights
Unlimited airport lounge access for you and one guest at Priority Pass, Plaza Premium, Centurion, and other lounges
Credits and rebates for business expenses throughout the year with Amex Offers
Bonus MR points for referring family and friends
Qualify for the card as a sole proprietor
Annual fee: $799

LHR arrivals lounge came in handy when I traveled with my 5yo and we had to wait a few hours for our bus to depart for a nearby town in the UK. No lounges at the bus terminal, lol!

Puerto Vallarta had a small arrival lounge the last time I flew in there which turned out to be very useful during COVID times.

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TD® Aeroplan® Visa* Credit Cards in Canada

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TD® Aeroplan® Visa Infinite Privilege* Credit Card

Annual Fee $599
Interest: Purchases 20.99%
Interest: Cash Advances 22.99%
Additional Cardholder 2 $199
$150,000 annual personal income or $200,000 annual household income.
You are a Canadian resident and are of the age of majority in your province/territory of residence.

Limited Time Offer

Earn up to $2,700 in value * including up to 75,000 Aeroplan points (enough for a round trip to Honolulu 39 ) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.

Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card 1
Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening 1
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening 1

Additional Travel Benefits

Enroll for NEXUS and once every 48 months get an application fee rebate 8
Share first free checked bags with up to 8 travel companions 26 , and get unlimited access to Maple Leaf Lounges 4 , 5 including complementary access for one guest.
Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program. 11

Not only is this Card crafted with metal, it also comes with premium features designed to make your travel journey as luxurious as your destination.

At a glance

Start earning Aeroplan points that you can share with loved ones on all your Purchases made with the TD ® Aeroplan ® Visa Infinite Privilege * Card.

Up to 8 family members can share points together. Share your Aeroplan points family with Aeroplan Family Sharing .

Earn Aeroplan points on your everyday Purchases 3 . Whether you use your TD Aeroplan Visa Infinite Privilege Card for gas, bills or groceries, you’re rewarded with Aeroplan points that can take you across the globe.

Relax before takeoff with access to a Maple Leaf Lounge 4 , 5 .
Get an annual round-trip companion pass from $99 (plus taxes, fees, charges and surcharges) 25 .
Get access to Priority Airport Services 6 like Priority Boarding, Priority Baggage Handling, and Priority Airport Standby & Priority Airport Upgrades 7 .
Enroll for NEXUS and once every 48 months get an application fee rebate (up to $100 CAD) 8 . Additional Cardholders can also take advantage of this NEXUS fee rebate.

Additional Cardholders can receive access to some of the airline benefits, and when they spend on their card it will help you earn more points. If you have an Additional Cardholder, make sure they link their Aeroplan member card .

Award Winning TD Credit Card

Chosen as Top Ultra Premium Credit Card by readers of Rewards Canada in 2023. #1

It’s easy to earn Aeroplan points

Earn 2 points 3.

for every $1 spent on eligible purchases made directly with Air Canada® including Air Canada Vacations®.

Earn 1.5 points 3

for every $1 you charge to your Card on eligible gas, groceries, travel and dining purchases.

Earn 1.25 points 3

for every $1 you charge to your Card on all other purchases.

Earn points twice 9

Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore .

Redeem your points for travel and for so much more

Every seat, every flight, no restrictions Every Air Canada seat available to buy for cash is also available for points – no restrictions, no blackout periods.
Use Aeroplan points for more than just flights Redeem your points across your trip, from hotel rooms to car rentals.
Use Aeroplan points for life’s necessities Aeroplan isn’t just about travel. Use your points for merchandise, experiences and gift certificates.

Gas, grocery and Air Canada® purchases, including Air Canada Vacations®

All other purchases.

Earn more at Starbucks

Link your eligible Card to earn 50% more Stars at participating Starbucks stores. Conditions apply.

More Card Benefits and Features

Air canada travel benefits.

Your TD Aeroplan Visa Infinite Privilege Card comes with special Air Canada travel benefits 4 . Relax before takeoff with access to a Maple Leaf Lounge TM . 5 Primary Cardholders and 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.

Travel exceptionally with someone you love with the Annual Worldwide Companion Pass. As the Primary Cardholder, you can take advantage of an annual round-trip companion pass, which entitles you to buy a companion ticket from $99 (plus taxes, fees, charges and surcharges). You get a companion pass automatically on your Card anniversary if you have spent $25,000 on net purchases 25 .

Whether you book using points or cash, as the Primary Cardholder or as an Additional Cardholder 4 , you and travel companions (up to eight) travelling on the same reservation will enjoy the following travel benefits on any flight operated by Air Canada, Air Canada Rouge® or under the Air Canada Express® banner:

Priority Check-In. Check-in faster at the airport 6 . You and up to eight travel companions travelling on the same reservation will all receive priority check-in for any trip that originates on an Air Canada flight.
Priority Boarding. Get on board your flight earlier 6 . You and up to eight travel companions travelling on the same reservation will all enjoy Zone 2 priority boarding for any Air Canada flight.
Priority Baggage Handling. Save time leaving the airport 6 . All your baggage will be tagged priority, so you and up to eight travel companions travelling on the same reservation will find your luggage among the first on the carousel when arriving at your destination. This applies to travel that originates on an Air Canada flight.
Priority Airport Standby. Get better access to seats when you’re on standby 7 . If you and travel companions (up to eight) travelling on the same reservation are on standby at the airport for an Air Canada flight, get on your way with priority. Should a seat become available, you will be assigned it before members who have the same status but don’t hold a TD Aeroplan Visa Infinite Privilege Card.
Priority Airport Upgrades. Receive higher priority for airport upgrades 7 . If you’re a Cardholder with Aeroplan Elite TM Status, you and up to eight travel companions travelling on the same reservation get higher priority when you’re on standby for an upgrade at the airport on Air Canada flights. Should a seat become available, you will be assigned to it before members who have the same status but don’t hold a TD Aeroplan Visa Infinite Privilege Card.
Reach Aeroplan Elite Status more quickly 27 . The Primary 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) made by the Primary Cardholder or the Additional Cardholder(s) using their TD Aeroplan Visa Infinite Privilege Credit Card.
Maintain Aeroplan Elite Status more easily 28 . 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.
Enjoy your eUpgrades longer 29 . 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.
Complimentary upgrade to Avis President’s Club 38 : Unlock two-car-class rental upgrades, expedited service, dedicated phone line and more, by elevating to Avis® President’s Club

Exclusive benefits with the TD Aeroplan Visa Infinite Privilege Card

Complimentary Visa Infinite Concierge 10 : On call, 24 hours a day, seven days a week, the Visa Infinite Privilege Concierge can help with any Cardholder request - big or small, to help you get the most from life whenever you travel, shop and use your Card. Call toll-free from Canada and the U.S.: 1-855-822-1240 From outside Canada and the U.S.: 1-303-967-1036
Global Airport Lounge Access 11 : Receive a complimentary membership to the Visa Airport Companion 11 Program hosted by Dragonpass International Ltd. and take advantage of six lounge visits included for each Cardholder per membership year at over 1,200 airport lounges worldwide. Enroll through the Visa Airport Companion App or through visaairportcompanion.ca
Visa Infinite Privilege Airport Benefits 11 : Receive exclusive perks at Toronto City Airport Terminial, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport - Priority Security Lanes at International and Domestic checkpoints (Toronto, Vancouver, Ottawa, Montreal-Trudeau) - Priority airport taxi and limo lane (Vancouver) - Access to dedicated premium parking spots (Vancouver, Ottawa) - Up to 20% off parking (Ottawa, Vancouver, Montreal-Trudeau)
Get access to exclusive gourmet dining events that cater to those with refined tastes. The Visa Infinite Dining Series serves up culinary explorations with prized chefs and acclaimed wines.
Receive 7 exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
Get exclusive access to tickets for a series of advance screenings and special movie events with the Visa Infinite Screening Series. Visa Infinite Privilege Cardholders can also enjoy presale access, priority access line, exclusive benefits and offers for the Toronto International Film Festival®.
Experience exclusive benefits at over 95 participating wineries in British Columbia, Ontario, and Sonoma Valley through the Visa Infinite Wine Country Program. Discover a variety of exciting benefits onsite when you show your Visa Infinite Privilege card, including discounts on wine purchases, complimentary tastings, private vineyard tours and much more.
Receive elevated Troon Rewards® Platinum Status 36 at over 150 courses and 20% off on green fees, merchandise and lessons at participating Troon Rewards golf courses. Cardholders can also access a selection of over 25 private clubs across the U.S. for $99 USD per round.
Enroll in the Visa RSVP Rewards™ Benefit 37 and automatically receive Diamond status delivering benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond. For more details on the TD Aeroplan Visa Infinite Privilege Card benefits and to see all available offers, please visit visainfinite.ca/privilege

Travel Benefits

Travel Medical Insurance 12 : Up to $5 million of coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
Trip Cancellation/Trip Interruption Insurance 13 : For Trip Cancellation coverage of up to $2,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
Flight/Trip Delay Insurance 14 : Up to $1,000 in coverage if your flight/trip is delayed more than 4 hours.
Delayed and Lost Baggage Insurance 14 : For delayed baggage over 4 hours, up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries. For lost baggage, up to $2,500 of coverage per insured person.
Common Carrier Travel Accident Insurance 15 : Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
Auto Rental Collision/Loss Damage Insurance 17 : Coverage for up to 48 consecutive days.
Emergency Travel Assistance Services 18 : Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
Save time at the border with NEXUS: Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD) 8 . Additional Cardholders can also take advantage of this NEXUS rebate.
Check your TD credit card travel insurance benefits : Learn about what travel insurance benefits are available on your TD credit card with our Credit Card Travel Insurance Verification Tool .
Hotel/Motel Burglary Insurance 16 : Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel/motel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.

Review the Benefit Coverages Guide for more details.

Partner benefits

Save with Avis Rent A car and Budget Rent a Car. Use your TD Credit Card to save a minimum of 10% off the lowest available base rates 19 , 20 in Canada and the U.S., and a minimum of 5% off the lowest available base rates 19 , 20 internationally, on qualifying car rentals at participating Avis and Budget locations.
Chip & PIN technology TD Visa Cards with Chip and PIN technology provide an added level of security through the use of a Personal Identification Number (PIN). A PIN makes it much more difficult for unauthorized users to copy or access the information on your TD Credit Card
Instant Alerts with TD Fraud Alerts 21 You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your TD Aeroplan Visa Infinite Privilege Credit Card, or on any Additional Cardholder Card on your Account. Simply ensure that we have your current mobile phone number listed in your TD Customer Profile Learn more .
Visa Secure* Visa Secure provides you with increased security and convenience when you shop online.
Cash Advances You can ask for an emergency Cash Advance in an amount up to $5,000 for your TD Aeroplan Visa Infinite Privilege Card (subject to your available credit limit).
Mobile Device Insurance 16 Up to $1,500 of coverage in the event of loss, theft, accidental damage, or mechanical breakdown for eligible mobile devices.
Purchase Security and Extended Warranty Protection 22 You automatically have access to Purchase Security and Extended Warranty Protection, covering eligible new items you’ve purchased with your Card, should they be stolen or damaged within 120 days of purchase. If the item comes with a manufacturer’s warranty valid in Canada, you may be entitled to double the warranty period for up to 24 additional months.
Manage your credit card in the TD app Instantly lock your Credit Card and block international purchases in the TD app.

Optional Benefits

Optional TD Auto Club Membership 23
Optional TD Credit Card Payment Protection Plan 24 : Optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations in the event of a covered Job Loss, Total Disability, or loss of Life. To learn more about optional TD Credit Card Payment Protection Plan products, call 1-866-315-9069 or visit us online .

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Interest rates, fees and features are effective as of June 4, 2024, unless otherwise indicated, and are subject to change.

The Aeroplan program is a loyalty rewards and recognition program operated by Air Canada’s subsidiary Aeroplan Inc. Visit Air Canada for complete terms and conditions of the Aeroplan program.

$140: Based on first checked bags for two people, on a round-trip flight in the first year;
$136: Usage of the Nexus statement credit benefit at an approximate exchange rate of $1.36 USD as of Nov 24, 2023 ($50 USD = $68 CAD for each cardholder)
$550: Unlimited Maple Leaf Lounge access in North America based on annual membership cost, based on average published rate for Maple Leaf Lounge entry;
$59: Primary Cardholder and Additional Cardholder(s) are each entitled to offer one (1) guest complimentary access to the same eligible Maple Leaf Lounge and Air Canada Café through December 31, 2024. Any guest entering a Maple Leaf Lounge and Air Canada Café must be accompanied by a Primary Cardholder or Additional Cardholder;
$373: Visa Airport Companion Program (hosted and managed by DragonPass International Ltd. (“DragonPass”)) lounge access is based on the comparable cost of direct enrollment in the program for membership by a Primary cardholder, which costs $99 USD and includes one complimentary airport lounge visit every year and the cost of additional 5 paid visits costing $35 USD per person, per visit. At an approximate exchange rate of $1.37 USD as of Nov 24, 2023 ($274 USD = $373 CAD for each cardholder)
Welcome Bonus of 20,000 Aeroplan Points earned when you make your first purchase with your card
Additional Bonus of 25,000 Aeroplan Points earned when you spend $12,000 within 180 days of Account opening
Anniversary Bonus of 30,000 Aeroplan Points earned when you spend $24,000 and Account has been opened for 12 months

2 Primary Cardholder remains liable for all charges to the Account, including those made by any Additional Cardholder.

3 Purchase of Gas, Grocery, Travel, or Dining or Air Canada Products means a Purchase of gas or gas station services or products or a Purchase of grocery or grocery items including those at grocery locations, or a Purchase of travel products and services including hotels, flights and vacations booked via a third party travel agency or website, or a Purchase of dining items including those at restaurants, or a Purchase directly with Air Canada for Air Canada products and services completed online at aircanada.com, in-person at Air Canada customer service counter at the airport or aboard an Air Canada flight and Air Canada Vacations packages, each from a merchant classified through the Visa network with a merchant category code ( MCC ) that identifies the merchant in the “gas” or “grocery” or "Air Canada" category. Aeroplan points are earned on eligible purchases charged to the Account as follows:

2 Aeroplan points (Air Canada Bonus Rate) earned for each $1 in Purchases of direct through Air Canada Products; or
1.5 Aeroplan points (Bonus Rate) earned for each $1 in Purchases of Gas, Grocery, Travel or Dining Products; or
1.25 Aeroplan points earned for each $1 in all other Purchases.
Air Canada Bonus Rate and Bonus Rate are earned only on a maximum annual amount of $100,000 of Purchases of direct through Air Canada Products, Gas, Grocery, Travel or Dining Products.

Please contact TD if you wish to confirm the MCC that applies to a particular merchant, or if the Purchase qualifies as a Purchase of Gas, Grocery, Travel, Dining or Air Canada Products. If you have earned Aeroplan points on the maximum annual amount of Purchases of Gas, Grocery, Travel, Dining or Air Canada Products charged to your Account (from January 1 to December 31) or if your Purchase does not qualify as a Purchase of Gas, Grocery, Travel, Dining or Air Canada Products, you will instead earn the standard rate of Aeroplan points that applies to all other Purchases charged to the Account as described above. The Air Canada Bonus Rate and Bonus Rate are in place of and not in addition to the standard rate of Aeroplan points earned on all other Purchases charged to the Account.

4 Preconditions/General T&Cs Please ensure that you provide your personal Aeroplan number to be linked to your credit card as linking a different loyalty number will impact the airline benefit fulfillment. The Aeroplan number of the person accessing the benefit must be included in the qualifying reservation, and the name on the airline reservation must be identical to the name on the Aeroplan account of the traveller. For Additional Cardholders’ ability to access available benefits, their Aeroplan number must be linked to a valid credit card account as verified by the bank. Linking can be done by visiting www.aircanada.com/linkmycard. Please allow up to 72 hours after the credit card is approved, or the Aeroplan number of the Additional Cardholder is linked to the Additional Cardholder credit card, for these benefits to be activated. Aeroplan member accounts of the Primary Cardholder and Additional Cardholder(s) must be in good standing at time of flight for airline benefits to apply. Airline benefits will no longer be available upon account closure, regardless of reason for closure, or if the credit card product is changed. Aeroplan membership and benefits are subject to the Aeroplan Program Terms & Conditions and any applicable Air Canada terms and conditions relating to a benefit, as determined by Air Canada in its sole discretion and as may be changed from time to time.

5 Complimentary Air Canada Maple Leaf Lounge Access - A Primary Cardholder and Additional Cardholder(s) are each entitled to complimentary access to any Air Canada Café and any Maple Leaf Lounge located in Canada and the United States, including International Maple Leaf Lounges in Canada and the United States when travelling on an international itinerary. Access excludes Air Canada Signature Suites and lounges operated by third parties, such as Star Alliance member airlines. Exceptions may apply, please review the list of eligible lounges . The Primary Cardholder and Additional Cardholder(s) are each entitled to offer one (1) guest complimentary access to the same eligible Maple Leaf Lounge and Air Canada Café through December 31, 2024. Any guest entering a Maple Leaf Lounge and Air Canada Café must be accompanied by a Primary Cardholder or Additional Cardholder. Additional guest(s) may enter the Maple Leaf Lounge upon paying an applicable fee. For greater certainty, a Primary Cardholder or Additional Cardholder who holds Aeroplan EliteTM Status, may additionally take advantage of the lounge access benefits available to them as part of the Aeroplan Elite Status program. For more information on Aeroplan Elite Status, please visit aircanada.com/elitebenefits. Access to Maple Leaf Lounges and Air Canada Cafés are only available in conjunction with a same-day ticket when departing on a flight marketed or operated by Air Canada, Air Canada Rouge, under the Air Canada Express brand, or any Star Alliance member airline. Anyone under the age of majority entering a Maple Leaf Lounge or an Air Canada Café must be accompanied by an adult with access to the lounge. Age of majority is determined by the jurisdiction in which the Maple Leaf Lounge or an Air Canada Café is located. Benefit may only be used as described, and otherwise cannot be transferred. Access is subject to space availability. Use of Maple Leaf Lounge or Air Canada Cafés are subject to applicable Maple Leaf Lounges Terms and Conditions .

6 Priority Airport Services A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Check-in (where available), Zone 2 Priority Boarding and Priority Baggage Handling. Benefits only apply when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. To access this benefit, the Primary Cardholder or Additional Cardholder may be required to show their qualifying credit card to the Air Canada agent.

7 Priority Same Day Airport Standby and Upgrades A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to Priority Airport Standby, and a higher priority for upgrade requests to a premium cabin. Priority airport standby and upgrade clearance are available on day of travel when travelling on a fare that allows for airport standby or upgrades, and upon satisfying the applicable condition, such as payment of fees or use of upgrade instrument(s), such as eUpgrade credits. Benefit only applies for flights operated by Air Canada, Air Canada Rouge, or under the Air Canada Express brand. Priority on standby and upgrade lists is determined by several factors, including, but not limited to, holding Aeroplan Elite Status, an eligible Aeroplan-branded credit card, and other rules as determined by Air Canada in its sole discretion and as may be changed by Air Canada from time to time. See applicable Aeroplan Elite Status and eUpgrade conditions .

8 The Account will receive a statement credit up to a maximum of $100 CAD for the amount posted to the Account for a NEXUS application fee regardless of NEXUS application approval. There is a maximum of four (4) NEXUS statement credits available when a qualifying NEXUS application fee is posted to the Account in any given 48-month period and the number of available NEXUS statement credits will be equal to the number of Cardholders on the Account when a qualifying NEXUS application fee is posted to your Account. The 48-month period starts when the first qualifying NEXUS application fee is posted to the Account. To be eligible for the statement credit, the Account must be in good standing at the time the NEXUS application fee is charged and posted on the Account. NEXUS means the expedited border control program offered jointly by the Canada Border Services Agency and the U.S. Customs and Border Protection. The terms of the NEXUS program are established by NEXUS. The Toronto-Dominion Bank and its affiliates are not responsible for the NEXUS program.

9 The Toronto-Dominion Bank is not responsible for any Aeroplan points earned under this “earn points twice” feature of the Aeroplan program when the Aeroplan number is provided. See your Aeroplan program for full details. Feature may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

10 The goods and services Cardholders request or otherwise choose to obtain through the Visa Infinite Privilege Concierge Service are provided by various third-party service providers unrelated to Visa. Visa does not endorse, review or qualify these service providers. Visa makes no representations or warranties (either express or implied) about and assumes no responsibility or liability for these service providers or the goods and services that may be obtained through the Visa Infinite Privilege Concierge service. Neither Visa nor the Issuer is responsible for any claims or damages arising from the use of any benefits or services provided by a third party. Visa cannot guarantee the successful fulfillment of Cardholders’ requests in all instances. There is no fee for the Concierge’s services; however, Cardholders are responsible for the cost of any goods or services (including any related fees or costs) authorized by the Cardholder and purchased by the Visa Infinite Privilege Concierge on the Cardholder’s behalf. All costs will be charged directly to the Cardholder’s Visa Infinite Privilege Card.

11 Cardholders with a valid Canadian issued Visa Infinite Privilege Card have access to participating lounges within the Visa Airport Companion Program (“Program”), hosted and managed by Dragonpass International Ltd. Cardholders must enroll for this benefit either through the Visa Airport Companion App (available to download for free) or on the Program Website (visaairportcompanion.ca) using a valid Canadian issued Visa Infinite Privilege Card. Upon enrollment, 6 complimentary lounge visits will be available for the Cardholder per membership year; the complimentary visits can be used by the Cardholder for themselves and for their accompanying guests at participating lounges. All additional visits beyond the complimentary visits are subject to a fee of $35 USD (subject to change) per person per visit. Applicable lounge access charges will be billed to the Visa Infinite Privilege Card connected to the Cardholders’ Program membership. Unless suspended or cancelled, the Program membership and any included complimentary lounge visits (if applicable) will automatically renew annually on the anniversary date (e.g. when the Cardholder enrolled for the Program). To view a full list of participating airport lounges, their facilities, opening times and restrictions Cardholders can visit the Program App and Website for more information. Cardholders who participate in the Program are subject to the DragonPass Terms of Use, Terms of Service and Privacy Policy and Visa’s Privacy Notice. To view the full Terms and Conditions for the Program, please visit the Program App or Website. The Program services and benefits are provided by DragonPass and applicable third party offer providers and neither Visa nor The Toronto-Dominion Bank is responsible.

12 Underwritten by TD Life Insurance Company. Medical and claims assistance, claims payment and administrative services are provided by our Administrator. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions than the optional Travel Medical Insurance that may be medically underwritten and is available for purchase to all TD customers, with which you may be eligible to top up. The day of departure from and the day of return to your province or territory of residence each count as one full day. 31-day coverage if you’re under 65 and 4-day coverage if you’re 65 or older.

13 Underwritten by TD Life Insurance Company (for medical covered causes) and TD Home and Auto Insurance Company (for non-medical covered causes). To be eligible for this insurance, at least 75% of your trip cost must be paid for using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. Note that this insurance offers different benefits, with different terms and conditions than the optional Trip Cancellation and Trip Interruption Insurance that is available to all TD customers.

14 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of your trip cost must be paid for using your TD Credit Card and/or associated Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

15 Underwritten by TD Life Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or Aeroplan points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

16 Insurance coverages are underwritten by American Bankers Insurance Company of Florida (ABIC) under Group Policy TDA112020. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement. ABIC, its subsidiaries, and affiliates carry on business in Canada under the name of Assurant®. ®Assurant is a registered trademark of Assurant, Inc.

17 Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated Aeroplan points, cannot exceed 48 consecutive days and the rental agency's Collision Damage Waiver (CDW) coverage must be declined by the Cardholder. Please note, in some jurisdictions, rental agencies may require you to purchase the CDW coverage from them – it is important to call before booking your car rental to confirm their insurance requirements. Refer to the Auto Rental Collision/Loss Damage Insurance section of your TD Credit Cardholder Agreement for rental exclusions and further details.

18 Provided by our Administrator under a service agreement with TD Life Insurance Company. This is not an insurance benefit but assistance services only.

19 Provided by Avis Rent A Car System LLC. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

20 Provided by Budget Rent A Car System, Inc. Program terms are subject to change without notice. Certain blackout dates may apply. Offer subject to other terms and conditions.

21 You are responsible for ensuring the mobile phone number we have on file is accurate and for notifying us of any changes. We will send the TD Fraud Alerts text message instantly upon detection of suspicious activity; however, receipt of the text message may be delayed or prevented due to a variety of factors such as technology failures, service outages, or multiple third-party involvement. TD Fraud Alerts text messages will only be sent to customers who have a Canadian mobile phone number and a Canadian mailing address in their TD Customer Profile.

22 Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, at least 75% of the item cost must be paid for using your TD Credit Card. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificates of Insurance included with your TD Credit Cardholder Agreement.

23 TD Auto Club is provided by an independent third party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility or liability in respect of these services. Further details about the third party service provider can be found in your Membership Handbook at td.com/autoclub .

24 Life coverage is underwritten by American Bankers Life Assurance Company of Florida and Job Loss and Total Disability coverages are underwritten by American Bankers Insurance Company of Florida. The Toronto-Dominion Bank receives a fee from each insurer with respect to premium collection. Complete terms of coverage are in the Certificates of Insurance you will receive upon enrollment. Eligibility requirements, limitations and exclusions apply, and vary by benefit.

25 Annual Worldwide Companion Pass Primary Cardholders will receive one (1) Companion Pass after spending more than $25,000 on net purchases (less any returns and credits) in the 12 months prior to card renewal date. The pass will be deposited into the Aeroplan account up to 10 weeks after your cardholder renewal date. The pass entitles a companion to accompany Primary Cardholder for a fixed base fare, when Primary Cardholder books a published economy fare on a flight marketed and operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Passes are valid for 12 months from the date issued. The pass is valid towards a new booking only, and not valid on existing reservations. Bookings must be made directly with Air Canada, via aircanada.com, the Air Canada Mobile App, or through the Air Canada call center (“Air Canada Reservations”). Valid for one round-trip for a companion when travelling on the same itinerary and booked at the same time as Primary Cardholder. Maximum one companion pass may be used per booking. If one-way travel is booked, the full base fare will be charged, the pass will be deemed fully used and the return portion of travel is forfeited. Total pricing varies based on itinerary booked. Primary Cardholder may use the pass only once on their choice of travel (i) within Canada and continental United States (excluding Hawaii) for $99 CAD base fare (ii) to/from Hawaii, Mexico, Central America, and the Caribbean for $299 CAD base fare, (iii) to/from South America, Europe, Middle East, and Africa for $499 CAD base fare, and (iv) to/from Asia, Australia, and New Zealand for $599 base fare. Companion will be responsible to pay all applicable taxes, fees, charges and surcharges that apply above the companion’s base fare. All travel must originate or terminate in Canada or the United States. Valid for travel at any time with no blackout periods. Also valid against the purchase of fares on sale. Companion will be booked into same fare brand as Primary Cardholder and will receive all applicable benefits and services associated with that fare brand. The pass may not be used with premium cabin fares, or in conjunction with Aeroplan flight rewards, Flight Pass, group travel bookings, Air Canada Vacations bookings, or any other discounts or promotion codes. The pass must be redeemed at time of purchase, and if multiple companion passes are available for the Aeroplan number, the pass that would expire first will be used. Booking must be made before the pass expiry date; travel may occur after the pass expiry date subject to flight schedule availability at the time of booking. Pass may only be used as described, cannot be transferred and has no monetary or exchange value. Changes or cancellations are allowed according to the fare rules of the fare purchased. Changes and cancellations must be made at the same time for both guests, and failure to do so may result in a forfeit of the companion pass. If during a change or cancellation the pass is reinstated in the Primary Cardholder’s account, the original expiry date will take effect and the pass may then be considered expired. In the event of a change or cancellation, travellers are required to pay all applicable fees based on the fare type purchased for each ticket, plus the difference in fare, if applicable, and all applicable taxes, fees, charges and surcharges that apply above the base fare. Companions who are members of Aeroplan or other partner frequent flyer programs are eligible to accumulate points and/or miles for the ticket issued in exchange for the companion pass according to conditions of the fare brand purchased. Aeroplan Elite Status benefits and upgrades are applicable if the traveller holds appropriate status and the fare purchased allows. Air Canada reserves the right to apply additional fees for bookings made via Air Canada Reservations. Unused passes will automatically be cancelled on the date the credit card is closed, regardless of reason for closure, or if the credit card account is changed to a different product. Terms and conditions of the air transportation services on Air Canada are subject to the General Conditions of Carriage & Ta riffs at the time of redemption.

26 A Primary Cardholder or Additional Cardholder, and up to eight (8) other passengers travelling on the same reservation (up to a maximum of nine (9) travellers), are each entitled to a free first checked bag up to 23kg/50lbs. Benefit only applies when checking in with Air Canada, for a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express brand. Benefit is not available if check-in is with another airline. If the first checked bag is already complimentary (for example, as a result of Aeroplan Elite Status or fare purchased), there is no additional checked bag benefit that will be provided. Free first checked bag benefit may not be applied retroactively, and no refunds will be issued. Service charges for additional/oversized/overweight baggage may apply. More information on baggage restrictions .

27 Threshold Benefit: Aeroplan Elite Status Qualification Boost (for benefit of Primary Cardholder only) For every $5,000 in net purchases (less any returns and credits) charged to the credit card account, Primary Cardholders will receive 1,000 Status Qualifying Miles (SQM) and 1 Status Qualifying Segment (SQS), to be deposited in their Aeroplan member account at the end of the next credit card account billing period. Please allow up to 1 week after your credit card account statement date for the deposit to appear. SQM and SQS are not redeemable towards Aeroplan rewards and only count toward Aeroplan Elite Status qualification. SQM do not count towards Million Mile Status. Additional Cardholder(s) are not eligible to receive SQM or SQS through this benefit; however, all net spend by Additional Cardholder(s) will count towards the Primary Cardholder’s spend. The cardholder may earn unlimited bonus SQM and SQS during an Elite Status qualification period. All Aeroplan Elite Status conditions apply .

28 Rollover of Status Qualifying Miles Primary Cardholders who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 200,000 Status Qualifying Miles (SQM) from the prior qualification year to the next qualification year. This benefit applies when the member qualified for Aeroplan Elite Status by earning the required Status Qualifying Miles or Status Qualifying Segments (SQS), as well as the required Status Qualifying Dollars (SQD), in the prior qualification year. If the member has been granted complimentary status, as determined by Air Canada, that is higher than the status they would have earned via their Status Qualifying balances, the rollover amount will be based on the status they would have earned otherwise (if any), and not the granted status. To qualify for SQM rollover, the Primary Cardholder must be approved for the credit card prior to December 15th of the current calendar year. SQM rolled over from the previous qualifying year will apply towards status qualification for the following qualifying year. Rollover SQM will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member earned at least Aeroplan 25K Status based on their Status Qualifying balances from the prior qualifying year. Rollover does not apply to SQS or SQD. Benefit is only available to Primary Cardholders and does not apply to Additional Cardholders. In the event the credit card is changed to a different product or the account is closed, regardless of reason for closure, any SQM rolled over as a result of this benefit will be removed from the Aeroplan account, and any status earned as a result of these rolled over SQM may also be rescinded. SQM do not count towards Million Mile Status and are not redeemable towards Aeroplan rewards. Where a Primary Cardholder is eligible to roll over SQM under another Aeroplan credit card, the total cumulative roll over of all SQM towards Aeroplan Elite Status cannot exceed the maximum of 200,000 SQM. All Aeroplan Elite Status conditions apply and can be reviewed at aircanada.com/elite-termsandconditions .

29 Rollover of eUpgrade credits Primary Cardholders who also hold Aeroplan Elite Status will be able to roll over up to a maximum of 50 eUpgrade credits received in the prior status year to the next status year. eUpgrade credits issued on a promotional basis, as well as those already rolled over from a previous benefit year, are not eligible for this benefit. To qualify for eUpgrade rollover, the Primary Cardholder must be approved for the credit card prior to December 15th of the current calendar year. Rollover eUpgrade credits will be deposited directly into the member's Aeroplan account no later than March 30 of any given year, provided the member holds Aeroplan Elite Status at that time, and held Aeroplan Elite Status in the previous benefit year. If the credit card is changed to a different product or the account is closed, regardless of reason for closure, any unused, rolled over eUpgrade credits will be forfeited and removed from the member’s eUpgrade account. Benefit is only available to Primary Cardholders and does not apply to Additional Cardholders. Where a Primary Cardholder is eligible to roll over eUpgrade credits under another Aeroplan credit card, the total cumulative roll over of all eUpgrade credits cannot exceed the maximum of 50 eUpgrade credits. All eUpgrade conditions apply and can be reviewed at aircanada.com/eupgrade-termsandconditions .

36 You must be an eligible Canadian Visa Infinite cardholder with a valid Visa Infinite card to take advantage of the Visa Infinite Troon Golf Benefit. The Visa Infinite Troon Golf Benefit may be cancelled if your Visa Infinite card is cancelled. By reserving through Troon, the cardholder consents to be bound by all the terms and conditions, as stated herein through the Visa Infinite Troon Golf Benefit, as well as the Troon Rewards® Terms and Conditions and the Troon Privacy Policy. Troon, Visa and its Issuers, or any of its Concierge providers, are not responsible for any claims or damages arising from this offer. Troon and Visa reserve the right to modify or cancel this benefit at any time without notice. Should you require assistance enrolling for this benefit, please call the Concierge on 1-888-853-4458

37 You must be an eligible Visa Infinite Privilege Cardholder with a valid Canadian-issued Visa Infinite Privilege Card to take advantage of the Visa RSVP Rewards Benefit (“Benefit”), provided by Northland Properties Corporation (“Northland”). Cardholders must enroll for the RSVP Rewards program (“RSVP Rewards”) at rsvprewards.com/sign-up using their eligible Visa Infinite Privilege Card to qualify for the Benefit; existing RSVP Rewards program members who are eligible Cardholders should call 1.800.726.3626 for instructions on how to obtain the Benefit. Once enrolled, eligible Cardholders will receive automatic Diamond Status in the RSVP Rewards program. Current tier benefits can be found at rsvprewards.com/terms-conditions and are subject to change. The Card number used for enrollment in the Benefit may be validated for continued eligibility for the Benefit on an annual basis. If you cease to be an eligible Cardholder, the automatic status gained from the Benefit may be removed. Cardholders who enroll for the Benefit are subject to the RSVP Rewards’ Terms and Conditions and Privacy Policy as well as the Visa Privacy Notice. The Benefit is non-transferable and may be discontinued at any time. The Visa RSVP Rewards Benefit is provided by Northland and neither Visa nor The Toronto-Dominion Bank is responsible for any claims or damages arising from using the RSVP Rewards program or the Benefit.

38 Primary Cardholders are eligible to enroll for Avis President’s Club status. Enrollment into the Avis President’s Club status is required by completing the Aeroplan form here , and the status will be in effect immediately but may take up to 7 business days after enrollment registered by Avis to appear on your Avis Preferred® profile. Once approved, and subject to the Avis Preferred Terms and Conditions, your Avis President’s Club status is effective until the end of the following calendar year.

Additional Cardholders do not qualify for Avis President’s Club status unless they hold 75K or Super Elite status in the Aeroplan Elite TM Status Program. For full terms and conditions, please visit https://www.aircanada.com/ca/en/aco/home/aeroplan/partners/avis.html#/

39 Points required for this destination are based on an analysis conducted by Aeroplan of Aeroplan points redemptions completed during the period from December 7 th 2022 to December 6 th 2023 for economy bookings departing from Toronto Pearson, Montreal Pierre-Elliot Trudeau and Vancouver International Airports. For travel in high-demand periods, the amount of Aeroplan points required for this destination might be higher. Subject to availability. Due to travel restrictions, government recommendations and passenger demand, available destinations may vary. Points value does not include taxes and third-party charges which may apply. For flight rewards with a partner airline, a partner booking fee will apply. For full details please visit Aeroplan Program Terms and Conditions.

#1 As awarded on October 24, 2023, by votes cast in the RewardsCanada.ca Canada’s Choice awards. Learn more by visiting: https://rewardscanada.ca/canadaschoice/

All trade-marks are the property of their respective owners.

See Air Canada and Aeroplan trade-mark ownership details .

™ NEXUS Official mark and/or trademark of Her Majesty the Queen in Right of Canada, used under license.

* Trademark of Visa Int., used under license.

* Trademark of Visa International Service Association; Used under license.

® Aeroplan is a registered trademark of Aeroplan Inc., used under license.

Starbucks, the Starbucks logo, and other Starbucks trademarks, service marks, graphics, and logos used in connection with the Offer are trade names, trademarks or registered trademarks of Starbucks Corporation (collectively “ Starbucks Marks ”).

® The TD logo and other trademarks are the property of The Toronto-Dominion Bank or its subsidiaries.

Credit Cards
Best Credit Cards for Concierge Services In Canada

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Best Credit Cards For Concierge Services In Canada For June 2024

Published: Jun 6, 2024, 1:02pm

Fact Checked

Credit card concierge services offer a personal assistant-like experience that simplifies the complexities of your day-to-day tasks and travel arrangements.

These services, available through premium credit cards, handle everything from securing dinner reservations to booking flights, saving you valuable time. Ideal for frequent travellers, busy professionals or anyone who values their time and comfort, these concierge services can transform how you make the most of your lifestyle. Below are our top credit card picks that provide concierge services.

Featured Partners

Best Credit Cards for Concierge Services In Canada For June 2024

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Best Credit Cards
Best Travel Credit Cards
Best Airport Lounge Access Credit Cards
Best Cash Back Credit Cards
Best Credit Cards for Bad Credit
Best Aeroplan Credit Cards
Best No Foreign Transaction Fee Credit Cards
Best Balance Transfer Credit cards

TD® Aeroplan® Visa Infinite Privilege* Card

On TD’s Website

Welcome Bonus

Up to $2,700 in value† including up to 75,000 Aeroplan points†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

American Express Cobalt® Card

On American Express’s Secure Website

Up to 15,000 Membership Rewards points

$155.88 ($12.99 per month)

Regular APR

MBNA True Line® Mastercard®

On MBNA’s Website

12.99% / 24.99%

BEST TRAVEL CARD WITH EXCLUSIVE CONCIERGE SERVICES

Up to 35,000 Aventura Points

$139 (waived in the first year)

The CIBC Aventura Visa Infinite Card combines flexible travel rewards with valuable perks, including a personal and travel concierge service. This service expertly handles travel itineraries and personal errands, alongside access to exclusive airport lounges and comprehensive travel insurance, making it ideal for cardholders who travel frequently for business or pleasure.

12 types of travel and consumer protection insurance, including $500,000 in common carrier accident insurance and rare mobile device insurance.
Luxury upgrades, tickets and tours through Visa Infinite benefits.
4 complimentary airport lounge visits per year through the Visa Airport Companion Program.
A NEXUS application fee rebate every 4 years.
A $139 annual fee.
A $60,000 personal and $100,000 household annual income requirement.
Welcome offer of up to 35,000 Aventura Points (up to $1,400 in travel value): 15,000 Aventura Points after making your first purchase and 20,000 Aventura Points after spending $3,000 or more in net purchases in the first 4 monthly statement periods
$139 annual fee, rebated on your first year of card membership
4 complimentary airport lounge passes, valued at nearly $200
1 NEXUS application fee rebate, a $50 value
$60,000 minimum income requirement, $100,000 household
Earn 2 points for every dollar spent through the CIBC rewards centre
Earn 1.5 points for every dollar spent on gas, groceries, drug stores and EV charging stations
Earn 1 point for every dollar spent on all other purchases.
Points can be used for flights on any airline with points that don’t expire and cover airfare taxes and fees
Built-in travel insurance, including emergency medical, travel accident, trip cancellation/interruption, flight delay and baggage insurance.
Includes rental car collision/loss damage insurance, mobile device insurance and hotel/motel burglary insurance.
Access personalized travel booking and trip planning with no booking fees through Aventura’s travel assistant
Visa Infinite concierge service, hotel collection, and dining and wine country program
Offer is not available to residents of Quebec
Terms and conditions apply

Travel perks and insurance

Up to 50,000 Aeroplan points

$139 (rebate in the first year)

The CIBC Aeroplan Visa Infinite has a comprehensive suite of benefits tailored for frequent flyers, enhanced by a 24/7 concierge service that handles everything from travel planning to securing dining reservations. Its standout features include free checked bags and extensive travel insurance, making it a premium choice for travellers who value both practical travel benefits and personalized service.

Healthy welcome bonus
Annual fee rebate in the first year for the primary cardholder and up to three authorized users.
First free checked bag whenever you fly Air Canada for you, authorized users and up to 8 traveling companions
Reach Aeroplan Elite Status sooner.
Get a free checked bag whenever you fly Air Canada.
$139 annual fee.
A $60,000 individual and $100,000 household annual income requirement to qualify for the card.
$50 for each additional credit card.
Welcome bonus of up to 50,000 Aeroplan points (10,000 points with first purchase, 15,000 after four months of spending $4,000 or more and 25,000 as anniversary bonus)
1.5 points for every dollar spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly (with spending caps)
1 point for every dollar spent on other purchases
Car rental discounts of up to 25% at participating Avis and Budget locations worldwide
This offer is not available for residents of Quebec

BEST CARD FOR high-earners

80,000 Aventura Points

The CIBC Aventura Visa Infinite Privilege Card stands out for its high-tier travel benefits and exclusive concierge service, available 24/7 to assist with everything from vacation planning to dinner reservations. This card combines substantial rewards-earning potential across multiple categories with a comprehensive suite of travel insurance coverages, making it ideal for high earners who expect top-level service and support on their travels.

$200 annual travel credit
$100 NEXUS renewal refund
$499 annual fee
$150,000 income requirement ($200,000 household)
Welcome bonus of 80,000 Aventura Points (50,000 points for spending $3,000 in the first four months and 30,000 bonus points after the first year)
3 points per dollar on travel purchases through the CIBC Rewards Centre
2 points per dollar on dining, entertainment, gas, groceries and transportation (up to $200,000 spent annually)
1.25 points per dollar on daily purchases
Forbes Advisor estimates a rewards value of $471.72 in annual earnings based on average Canadian spending, with the annual fee factored in
6 complimentary airport lounge visits every year
$100 NEXUS application fee rebate
Save up to $0.10 per litre on gas with Journie Rewards
25% discount on car rentals from Avis and Budget Rent a Car
Built-in travel insurance for emergency medical care, flight and baggage delays, trip cancellations and interruptions, hotel burglary, car rental collision loss/damage and common carrier accidents

BEST personal and business CONCIERGE SERVICES

Up to $450 in WestJet Dollarsǂ

The WestJet RBC World Elite Mastercard provides exceptional value to WestJet flyers, enhanced by comprehensive concierge services supporting personal and business needs. This card not only offers substantial travel rewards and an annual companion voucher but also simplifies life with 24/7 concierge assistance for travel bookings, entertainment planning and special gift arrangements, making it perfect for cardholders who value convenience and savings on every trip.

Offers a generous welcome bonus
Flexible redemption options that include flights, vacation packages and with partner airlines.
An annual companion voucher to anywhere WestJet flies starting at $119.
Free first checked bag for you and up to 8 guests.
Link this card with your Petro-Points card to save $0.03 per litre on gas and 20% more in bonus Petro-Points.
Link this card with your Rexall Be Well membership and earn 50 Be Well Points per dollar at Rexall.
High income requirement of $80,000 in personal annual income or $150,000 household income.
Low base earn rate of 1.5% on all purchases.
WestJet Dollars don’t cover airline taxes and fees.
Increasing redemption minimums depending what you’re redeeming for (minimum $15 for one-way, $30 for round-trip and $50 for vacation packages).
Get up to $450 in WestJet dollars1 with the WestJet RBC® World Elite Mastercardǂ.
Plus, get a Round-Trip Companion Voucher Every Year – for any WestJet destination starting from $119 CAD (plus taxes, fees, charges and other ATC).
Get up to 450 WestJet dollars (a value of up to $450 off the base fare):
250 WestJet dollars upon your first purchase
200 WestJet dollars when you spend $5,000 in the first 3 months
Get free first checked bags for the primary cardholder and up to 8 guests on the same reservation
Earn WestJet dollars 1.5% on everyday purchases and 2% on flights or packages with WestJet or WestJet Vacations
WestJet dollars never expire10 Use your WestJet dollars to book flights anytime so you can travel when and where you want.
No blackout periods.
Travel coverage including emergency medical insurance as well as trip interruption insurance, hotel burglary and rental car insurance. Even eligible purchases you make on the card are protected.
Link your RBC card with a Petro-Points membership to and instantly save 3₵ per litre on fuel and always earn 20% more Petro-Points at Petro-Canada.
Free Boingo Wifi for Mastercard holders at over 1 million hot spots
Get a 12-month complimentary DashPass subscription± – a value of almost $120
Enjoy unlimited deliveries with $0 delivery fees on orders of $15 or more when you pay with your eligible RBC credit card

BEST CONCIERGE CREDIT CARD FOR EVERYDAY EXPENSES

Up to 40,000 Scene+ Points

The Scotiabank Gold American Express Card merges exceptional everyday rewards with versatile concierge services, offering a compelling blend for cardholders with active lifestyles. They benefit from ample Scene+ points on dining and groceries, enhanced by a comprehensive concierge service ready to assist with travel bookings, special occasions and more. This card also eliminates foreign transaction fees, making it practical abroad and at home.

Earns Scene+ rewards on every purchase
No foreign transaction fees
Built-in travel insurance
American Express perks like Amex Front Of The Line
$120 annual fee
Amex is not accepted at all locations
Welcome bonus of up to 40,000 Scene+ points (Earn 20,000 points by making at least $1,000 in the first three months, get 20,000 points when you spend at least $7,500 in your first year). Must open card by July 1, 2024 to qualify.
Earn 6 Scene+ points per dollar spent at select grocery stores including Sobeys, Safeway, FreshCo and Foodland.
Earn 5 Scene+ points per dollar spent at other grocery stores, restaurants and on food delivery and entertainment.
Earn 3 Scene+ points per dollar spent on gas, transportation and streaming services.
Earn 1 Scene+ points per dollar spent on everything else.
No foreign transaction fees.
American Express perks like Amex Front Of The Line.
Comprehensive travel insurance covers emergency medical, trip interruption, flight delays, travel accidents, rental car collision and hotel burglaries.
Includes mobile device coverage up to $1,000.
Includes purchase security and extended warranty protection.

BEST CONCIERGE CREDIT CARD FOR LUXURY TRAVEL PERKS

35,000 Avion points**

The RBC Avion Visa Infinite Privilege Card offers a rich rewards structure and unmatched concierge services, making it an essential tool for seasoned travellers. Not only can cardholders rack up Avion points swiftly with broad earning potential across all purchases, but they also enjoy personalized travel planning and lifestyle services. Whether booking a spontaneous trip to New York or a planned excursion to Europe, the flexibility in flight booking and premium concierge support puts this card in a class of its own.

Avion Points can potentially be worth a lot on redemption (between $0.2 and $0.233 per point when you redeem through the RBC Air Travel Redemption Schedule).
Flexible redemption options, including flights, merchandise, gift cards, charitable donations, RBC financial products, transfer to HBC Rewards and more.
4 different airlines to transfer points to, including Cathay Pacific, British Airways, WestJet and American Airlines.
12 different types of travel insurance and purchase protection, including the rare mobile device insurance policy.
A huge welcome bonus that allows you to fly anywhere in anywhere in North America or the Caribbean
High income requirements at $60,000 individual or $100,000 household annual income.
Low redemption value for anything besides the RBC Air Travel Redemption Schedule and transferring to airline partners.
A $120 annual fee.
Get 35,000 welcome Avion points on approval** – Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more points)
Earn 1 Avion point for every dollar you spend* and an extra 25% on eligible travel purchases.
Avioners can book flights with points on any airline, on any flight, at any time, early or last minute, with no blackout periods or restrictions.
Avioners earn points that never expire so your points will be waiting for your next adventure.
Redeem your points for travel and more. Use points for anything from paying bills and paying your card balance to redeeming for Gift Cards and
Merchandise at top brands like Apple. The Avion Rewards program gives you the freedom of choice to use your points your way, and helps you make the most as an Avioner.
Eligible Avion Rewards members can also convert points to other loyalty programs including WestJet dollars, British Airways Avios points and Hudson’s Bay Rewards points.
Link your RBC card with a Petro-Points membership to instantly save 3₵ per litre on fuel at Petro-Canada stations and earn 20% more Petro-Points and 20% more Avion points
Link your RBC card with a Rexall Be Well account and get 50 Be Well points for every $1 spent on eligible products at Rexall. Redeem Be Well points faster for savings in store on eligible purchases where 25,000 Be Well points = $10
Get access to RBC offers which provides access to earn points faster at specified brands
Extensive insurance including: mobile device insurance, travel insurance (trip cancellation, interruption and emergency medical) and other eligible purchases to protect you and your family
Avioners get access to luxury Visa Infinite benefits including first in line for exclusive events, and hotel and dining benefits.
Avioners no longer need 14-days to book travel using the RBC grid
Get a 12-month complimentary DashPass subscription – a value of almost $120

BEST CONCIERGE CARD WITH HIGH-END PERKS

The TD Aeroplan Visa Infinite Privilege Card provides high-value perks for avid travellers, pairing impressive Aeroplan Point earning potential for extensive travel opportunities and luxury travel benefits like Maple Leaf Lounge access and priority airport services. Together with a versatile concierge service, this card ensures that whether planning a trip or needing everyday assistance, cardholders experience top-tier convenience and support.

Extensive travel perks, insurance and consumer protections
Low credit score threshold for such a powerful card
The most expensive annual fee on the list
Requires minimum personal income of $150,000 a year or $200,000 in annual household income
Earn up to $2,700 in value† including up to 75,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by September 3, 2024.
Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†
Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†
Enroll for NEXUS and once every 48 months get an application fee rebate†.
Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges†, including complementary access for one guest.
Plus, primary card holders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†.
This offer is not available to residents of Quebec.
†Terms and conditions apply.

BEST CARD FOR EXCLUSIVE CONCIERGE SERVICES

Up to $1,000 in value† including up to 40,000 Aeroplan points†

The TD Aeroplan Visa Infinite Card is a standout choice due to its blend of Aeroplan Points earning potential and travel perks, complemented by comprehensive concierge services. The concierge service sets this card apart, offering personalized assistance that can elevate travel plans from ordinary to extraordinary. Whether booking a last-minute trip or organizing a special dinner, the concierge service adds a layer of luxury and convenience to every transaction.

Great rewards program earnings
Plenty of perks, including comprehensive travel insurance and a NEXUS rebate
High annual fee
Earn up to $1,000 in value†, including up to 40,000 Aeroplan points† and additional travel benefits. Account must be approved by September 3, 2024.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†.
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
Plus, share free first checked bags with up to 8 travel companions†.
† Terms and conditions apply.

BEST CONCIERGE CREDIT CARD FOR BANKING RELATIONSHIPS

The RBC Avion Visa Infinite card excels in blending lifestyle perks with practicality. Its welcome bonus of 35,000 Avion points—enough for a roundtrip flight within North America—and the absence of blackout dates or seat restrictions elevate it beyond typical rewards cards. Its concierge service enhances the cardholder’s experience by managing travel plans and special event bookings, ensuring personalized service whenever necessary.

BEST MID-RANGE TRAVEL CARD WITH CONCIERGE SERVICE

2,000 Air Miles

$120 (waived in the first year)

The BMO Air Miles World Elite Mastercard can accelerate reward accumulation and exceptional concierge services. This card maximizes your Air Miles on everyday purchases and ensures that expert assistance is just a call away, whether you’re booking travel or seeking restaurant recommendations.

25% annual flight redemption discount.
Special rates on airport lounge passes.
$500 monthly limit on grocery rewards.
High income requirement ($80,000 per individual, $150,000 per household).
Welcome bonus of 2,000 Air Miles when you spend $3,000 in the first three months.
3 Miles for every $12 spent at Air Miles partner locations.
2 Miles for every $12 spent at grocery stores (up to $500 monthly).
1 Mile for every $12 purchase.
Forbes Advisor estimates a rewards value of $188.63 in annual earnings based on average Canadian spending, with the annual fee factored in.
Save 25% on Miles used to book one flight per year (up to 750 Miles).
Collect bonus Miles from Air Miles partners.
Discounted rates on airport lounge passes.
Includes travel insurance for car rental collision loss/damage, legal services, trip cancellation or interruption, flight and baggage delay, emergency medical care, lost or stolen luggage and common carrier accidents.
Up to 25% off rentals at National Car Rental and Alamo Rent a Car participating locations.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With cash back and reward points, the scoring model used takes into account factors such as, but not limited to, earn rates and purchase categories, fees, welcome bonuses, and other benefits and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

The CIBC Aventura Visa Infinite Card is Ideal for jet-setters who value the efficiency of a concierge to manage travel details and everyday tasks. The card maximizes travel benefits without sacrificing rewards on daily spending.

Rewards: Earn 2 Aventura Points for every dollar spent on travel booked through the CIBC Rewards Centre, plus 1.5 points on eligible gas, grocery and drugstore purchases.

Welcome offer: Start strong with up to 35,000 Aventura Points in your first year—that’s 15,000 points on your first purchase and an additional 20,000 points when you spend $1,000 monthly during the first year.

Annual fee: $139 (with a first-year rebate for both the primary cardholder and three authorized users).

Other benefits and drawbacks: Alongside the impressive points system, cardholders enjoy four complimentary lounge visits per year, a rebate on NEXUS application fees and no annual fees for additional cardholders. However, the card’s 2.5% foreign transaction fee and the $139 annual fee from the second year onward could be drawbacks for some users.

The CIBC Aeroplan Visa Infinite Card is indispensable for travellers who regularly fly with Air Canada and its partners. Its concierge service, ready to assist with special requests and everyday needs, helps ensure a seamless travel experience and everyday convenience.

Rewards: Earn 1.5 Aeroplan Points per dollar on purchases with Air Canada and daily essentials like gas and groceries, plus 1 point per dollar on all other spending.

Welcome offer: Start your Aeroplan Points journey with up to 50,000 points in the first year—receive 10,000 points with your first purchase and an additional 40,000 when you spend $1,000 monthly during the first four months.

Annual fee: $139 (waived for the first year for both the primary cardholder and up to three additional cardholders)

Other benefits and drawbacks: In addition to earning rewards, cardholders enjoy travel-focused perks such as priority boarding and free first-checked bags on Air Canada flights. However, the card’s 2.5% foreign transaction fee may be a drawback for international spenders.

Tailored for the discerning traveller, the CIBC Aventura Visa Infinite Privilege Card offers luxurious travel benefits and a personal concierge service that takes care of travel logistics, special occasions, and more. This ensures a premium experience for anybody who enjoys travelling in style and comfort.

Rewards: Earn 3 points per dollar on travel booked through CIBC’s Rewards Centre, 2 points on dining, entertainment and daily transit, plus 1.25 points on all other purchases.

Welcome offer: Up to 80,000 Aventura Points can be yours in the first year, broken down into 25,000 points for spending $3,000 in the first four months, an additional 25,000 for spending $6,000 and 30,000 as an anniversary bonus.

Annual fee: $499

Other benefits and drawbacks: Beyond the generous points system, cardholders enjoy six free airport lounge visits per year, a $200 annual travel credit and double Nexus application fee rebates (a $100 value). However, the high annual fee and 2.5% foreign transaction fee could be drawbacks for less frequent travellers.

Designed for the devoted WestJet traveller, the WestJet RBC World Elite Mastercard maximizes returns on flight expenses and enriches travel with round-the-clock concierge services, ensuring the seamless enjoyment of every journey.

Rewards: Earn 2% back in WestJet dollars on WestJet flights and vacation packages, plus 1.5% back on all other eligible purchases.

Welcome offer: Get 450 WestJet dollars as a welcome bonus, with the first 250 awarded after your first purchase and an additional 200 after spending $5,000 within the first three months.

Annual fee: $119

Other benefits and drawbacks: In addition to earning rewards, cardholders enjoy a free first-checked bag, an annual round-trip companion voucher starting at $119 and extensive insurance coverage. However, the 2.5% foreign transaction fee is a notable drawback for international travellers.

The Scotiabank Gold American Express Card is perfect for cardholders who enjoy the finer aspects of travel and daily convenience. It provides extensive concierge services alongside powerful earning potential.

Rewards: Earn 5 Scene+ points per dollar spent on eligible dining and grocery purchases in Canada, 3 points per dollar on streaming and transit and 1 point per dollar on other purchases.

Welcome offer: Start with up to 40,000 bonus Scene+ points in your first year, accelerating your earning right out of the gate.

Annual fee: $120

Other benefits and drawbacks: This card’s strength lies in its broad spectrum of rewards and no foreign transaction fees, complemented by a rich array of concierge services. However, the annual fee might be a downside for cardholders who prefer a more straightforward rewards card.

The RBC Avion Visa Infinite Privilege Card is the ultimate travel companion for the discerning jet-setter, blending extensive travel benefits with tremendous reward earning potential.

Rewards: Earn 1.25 Avion points for every dollar spent.

Welcome offer: Upon meeting the spending requirements within the first year, you will receive an impressive 70,000 bonus Avion points.

Annual fee: $399

Other benefits and drawbacks: The RBC Avion Visa Infinite Privilege Card features comprehensive insurance, covering trip cancellations, auto rentals and mobile devices up to $1,500. Cardholders also enjoy savings on fuel at Petro-Canada and earn extra points at Rexall, adding everyday value. However, the $399 annual fee and high income requirement may be prohibitive for users. Plus, despite its strong rewards for affluent clients, higher merchant fees may restrict where the card is accepted.

The TD Aeroplan Visa Infinite Privilege Card is the premier choice for discerning travellers seeking to enhance their travel experience with luxury benefits and dedicated concierge support.

Rewards: Earn up to 2 Aeroplan Points for every dollar spent on eligible Air Canada purchases, further enhancing your travel rewards.

Welcome offer: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card. Earn an additional 25,000 Aeroplan points when you spend $12,000 within 180 days of account opening. Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening. Terms apply.

Terms apply.

Annual fee: $599

Other benefits and drawbacks: While the TD Aeroplan Visa Infinite Privilege Card offers extensive travel insurance and exclusive airport benefits, the high annual fee and income requirements might limit its appeal to higher earners committed to frequenting the Aeroplan program. The comprehensive concierge service, however, adds significant value, offering personalized assistance for travel, dining and everyday needs.

The TD Aeroplan Visa Infinite Card is your gateway to sophisticated travel benefits and essential lifestyle management, thanks to its powerful combination of rewards-earning potential and concierge services.

Rewards: Earn 1.5 Aeroplan Points for every $1 spent on eligible gas, groceries and direct Air Canada purchases.

Welcome offer: Earn up to 50,000 Aeroplan Points, enough to jet off to your next adventure, with conditions applying based on your spending within the first year.

Annual fee: $139

Other benefits and drawbacks: Although the card offers various travel and lifestyle benefits, including a comprehensive insurance package and exclusive access to airport lounges, its value is best realized by frequent travellers who will make the most of the Aeroplan rewards and concierge services. The annual fee and income requirements may limit its appeal to higher earners who frequently use Aeroplan for their travel plans.

RBC Avion Visa Infinite Card

Designed for the discerning traveller, the RBC Avion Visa Infinite Card enriches your travel experience with its concierge services and rewards you for your day-to-day transactions. Whether booking a last-minute business trip or a special anniversary dinner, this card offers the flexibility and luxury that ambitious professionals and avid adventurers seek.

Rewards: Earn 1 Avion point for every dollar spent, with an additional 25% on eligible travel purchases. This straightforward rewards structure makes it easy to accumulate points for a wide range of options, from flights to gift cards or even paying down your RBC mortgage or loan balances.

Welcome offer: Upon approval, new cardholders can immediately benefit from 35,000 Avion Points, offering a significant jumpstart to potentially covering a roundtrip flight across Canada or the U.S.

Other benefits and drawbacks: The RBC Avion Visa Infinite Card offers more than just travel—it includes premium insurance options like mobile device insurance and extensive travel insurance coverage, adding peace of mind to its suite of benefits. However, the card’s benefits are best leveraged by individuals who travel frequently and spend enough to maximize the reward structure. For less frequent travellers or those who prefer simpler rewards programs, the benefits might not justify the annual fee.

The BMO AIR MILES World Elite Mastercard, the optimal choice for cardholders who value a rich rewards program paired with comprehensive concierge services, is ideal for both frequent travellers and everyday shoppers.

Rewards: Earn 3 AIR MILES Reward Miles for every $12 spent at participating AIR MILES Reward Partners, 2 Miles for every $12 spent at any eligible grocery store and 1 Mile for every $12 on other credit card purchases.

Welcome offer: New cardholders can kickstart their rewards journey with 2,000 AIR MILES Bonus Miles and enjoy a first-year annual fee waiver—substantial upfront value.

Annual fee: $120 (waived for the first year)

Other benefits and drawbacks: The BMO AIR MILES World Elite Mastercard stands out for its travel and medical protection, offering up to $5 million in emergency medical coverage and collision damage waiver benefits on rental cars. However, the card’s steep income requirements can potentially limit its accessibility. Additionally, while the rewards are lucrative for frequent shoppers at Air Miles partners, everyday spenders might find the rewards rate on non-partner purchases less impressive.

Typically offered on premium credit cards, credit card concierge services act like personal assistants for cardholders, assisting with travel arrangements, booking events, securing dining reservations, and more—allowing cardholders to make the most of their day without getting bogged down by details.

To use a credit card concierge service, cardholders simply need to call the concierge phone number provided on the back of their card or via their card’s mobile app. After verifying their account, cardholders can request virtually anything within legal boundaries, from finding the perfect birthday gift to planning an entire vacation. The concierge will handle the details and follow up with the cardholder upon completion.

Time-saving: Concierge services handle tasks that can consume a significant chunk of your day.
Expertise: Access to professional concierge services with a network that can sometimes snag hard-to-get reservations or tickets.
Convenience: Support is just a phone call away, often available 24/7.
Cost: While the service itself might be complimentary, the credit cards offering it usually come with a high annual fee.
Underuse: Many cardholders forget to use the service or prefer handling things on their own.
Privacy concerns: Some tasks might require sharing personal information.

Credit card concierge services can handle travel bookings, restaurant reservations, event tickets—and even help with routine errands like picking up dry cleaning. They also offer more specialized requests like personal shopping or organizing business meetings. If it’s a service that can be outsourced to a personal assistant, a credit card concierge likely covers it.

To find out if your credit card includes a concierge service, check the benefits guide that came with your card or visit the card issuer’s website. Details about additional perks, like concierge services, are usually listed under the card’s benefits section. Alternatively, you can call the customer service number on the back of your card for confirmation.

The concierge service itself is typically included as a benefit of premium credit cards without any additional charge. However, you are responsible for paying for any goods or services you request through the concierge. This could include things like event tickets, floral deliveries or travel bookings.

Major credit card networks that provide concierge services include:

Visa Infinite
Mastercard World Elite
American Express Platinum

Whether a credit card concierge service is worth it largely depends on your lifestyle and how much you value your time. If you frequently need to make arrangements that can be delegated and enjoy accessing potentially exclusive opportunities, a concierge service can be invaluable. However, for anybody who prefers a hands-on approach or has simpler needs, the value might not justify the cost of a premium card.

Credit card concierge services offer a blend of luxury and convenience. They aim to enhance the lifestyle of cardholders by handling time-consuming tasks. While they come at a cost—usually in the form of a higher annual fee—these services can provide significant value through their time-saving and exclusive access benefits, particularly for busy professionals or individuals who frequently travel.

Is a credit card concierge free?

Yes, the service is free, but the card that includes it may have a high annual fee.

What credit score is needed for credit card concierge services?

Higher credit scores (700+) are typically required as these services are often included on premium cards.

When can I call my credit card concierge?

Most concierge services are available 24/7.

How should I pick a credit card with concierge services?

Consider how often you’ll use the service, the card’s other benefits and whether the annual fee is reasonable, given your spending and lifestyle.

Kevin Nishmas is an expert financial content writer with a long and successful history of working with Canada's largest financial institutions. His knack (and passion) for transforming complex personal finance information into clear, compelling content has landed him in leading business publications such as Report on Business, Advisor’s Edge, Benefits Canada and Investor's Digest of Canada.

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Mortgage Renewal
Getting a Second Mortgage
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How Does Mortgage Interest Work?
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Is Canada’s Housing Market Crashing?
Types of Houses in Canada
First-Time Home Buyer Grants and Assistance Programs
Types of Mortgages in Canada: Which Is Right for You?
How Does a Mortgage Work in Canada?

What Is an Interest Rate?
Guaranteed Investment Certificate (GIC)
Savings Account Guide
Common Canadian Bank Fees and Charges
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TD Bank Review
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Investing for Canadian Beginners
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Credit Cards

The Guide to Air Canada Premium Economy

In the world of air travel, extra amenities can make a difference, especially on long-haul flights. Air Canada’s premium economy offers larger seats, priority airport services and free food and drink, but it also comes with a heftier price tag than standard economy. Are the benefits worth the cost? That depends on the traveller.

Air Canada premium economy features

An Air Canada premium economy ticket comes with upgraded amenities that span the travel experience from airport check-in to baggage collection.

The seats in Air Canada premium economy are larger and offer more legroom and recline than those in standard Air Canada economy.

Depending on the plane, premium economy seat widths range from 45.7 cm (18 inches) to 50.8 cm (20 inches), compared to standard economy seat widths which range from 43.2 cm (17 inches) to 48.01 cm (19 inches).

Seat pitch is the distance from any point on one seat to the same point on the seat in front or behind it — essentially, a measure of legroom. The premium economy seat pitch on Air Canada flights is 96.5 cm (38 inches), while the standard economy seat pitch ranges from 73.6 cm (29 inches) to 81.3 cm (32 inches).

The seats in Air Canada’s premium economy cabin offer 17.8 cm (7 inches) of recline, compared to the 7.6 cm (3 inches) to 15.2 cm (6 inches) of recline available on standard economy seats.

Food and drink

Passengers receive complimentary food and beverages when they fly premium economy with Air Canada. Special meals, including vegetarian, vegan, kosher, halal, children’s meals and more are available upon request.

Flights within North America

Premium economy airfare on flights within North America includes a complimentary meal box with a preselected meal and snack item from the Air Canada Bistro. Water bottles are given before departure, and complimentary wine, coffee, tea and soft drinks are available.

Flights departing North America

For international flights travelling beyond North America, premium economy flyers receive a pre-packaged cold meal box that includes a main course, side salad, bread roll and dessert. Additionally, a light meal is served prior to landing. Some flights may serve a mid-flight cold sandwich.

Passengers may be able to check the menu for their flight on the Air Canada website within one week of departure. As an example, premium economy passengers on the Air Canada flight from Toronto to London in May 2024 got celeriac salad, a chicken or beef entree, a carrot cake dessert and a chicken salad sandwich.

As with domestic flights, complimentary water bottles and bar service, including wine, coffee, tea and soft drinks, are offered.

DID YOU KNOW? Air Canada does not categorize flights to the Caribbean and Central America as flights departing North America. Premium economy passengers on these flights may receive complimentary food and drink typically provided on Air Canada flights within North America or may be offered select food and beverage items to purchase.

Flights under two hours

Bar service and a bar snack are offered to Air Canada premium economy passengers on flights under two hours.

Priority airport services

A premium economy ticket with Air Canada includes priority airport services to enhance your travel experience.

Priority check-in is available via a dedicated counter to help expedite the flight check-in process. Priority boarding in zones 1 or 2 offer dedicated lanes for quicker boarding. Priority baggage handling includes special tags for checked bags to ensure they are among the first to arrive on the baggage carousel at the destination airport.

Free checked bags

An Air Canada premium economy ticket includes two free checked bags — a potential value of up to $175 per one way of travel.

In-flight amenities

A seat in Air Canada’s premium economy comes with several in-flight amenities:

A larger touch-screen TV with on-demand entertainment.
A complimentary earbud headset.
An adjustable headrest.
A pillow and blanket.
A CleanCare+ kit, which includes a mask, hand sanitizer and antiseptic wipes.
An amenity kit (only available on international flights).

Does Air Canada premium economy come with airport lounge access?

Air Canada premium economy does not offer complimentary airport lounge access. Many airlines require flyers to hold business or first-class tickets to access airport lounges, though there are a few exceptions. Some airlines, including Japan Airlines and Air Astana, offer airport lounge access for premium economy flyers.

Air Canada economy vs premium economy

Air Canada’s premium economy offers several benefits over its standard fare.

*Complimentary on international flights.

Is Air Canada’s premium economy worth it?

The perks of premium economy come at a higher cost. Whether or not springing for premium fare is worthwhile will depend on your lifestyle and budget.

NerdWallet Canada investigated one-way domestic and international Air Canada flights departing August 2024. Here are the price differences between economy and premium economy:

Economy: $321.
Premium economy: $703.
Economy: $436.
Premium economy: $712.
Economy: $1,095.
Premium economy: $1,904.
Economy: $1,198.
Premium economy: $2,018.
Economy: $1,383.
Premium economy: $2,449.
Economy: $2,060.
Premium economy: $2,241.

For the Air Canada flights we researched, premium economy fares were, on average, 68% more expensive than standard economy.

How to book Air Canada premium economy with Aeroplan points

Air Canada’s rewards program, Aeroplan , lets collectors earn points on eligible purchases. Aeroplan points can be redeemed for a bevy of rewards, including airfare, hotel stays, car rentals and more through the Air Canada website and mobile app.

An Aeroplan credit card may come in handy for those who want to accelerate their point accumulation. These credit cards allow cardholders to double down on points earned when they transact at Aeroplan program partners like Uber Eats, the LCBO and Starbucks.

There’s no shortage of Aeroplan credit cards on the market, from no- and low-fee options like the CIBC Aeroplan® Visa Card and TD® Aeroplan® Visa Platinum* Card to premium-tier options like the American Express® Aeroplan®* Reserve Card and TD® Aeroplan® Visa Infinite Privilege* Credit Card . The ideal credit card for your finances will depend on your budget, spending habits and lifestyle.

About the Author

Shannon Terrell is a lead writer and spokesperson for NerdWallet, where she writes about credit cards and personal finance. Previously, she was a writer, editor and video host for financial…

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London Heathrow (LHR)

Frankfurt International Airport (FRA)

Zurich International Airport (ZRH)

Paris Charles de Gaulle International Airport (CDG)

Rio de Janeiro/Galeão–Antonio Carlos Jobim International Airport (GIG)

Sydney Kingsford Smith International Airport (SYD)

Johannesburg OR Tambo International Airport (JNB)

Dubai International Airport (DXB)

Hamad International Airport (DOH)

Tokyo Narita International Airport (NRT)

Tokyo International Airport – Haneda (HND)

Indira Gandhi International Airport (DEL)

Mumbai Chhatrapati Shivaji Maharaj International Airport (BOM)

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