World of Hyatt: The Best Sweet Spots for Your Points

Chez Milesopedia, nous suivons de près la grille de récompenses World of Hyatt depuis sa refonte à cinq niveaux de mai 2026. Notre constat : c’est l’un des points hôteliers qui offre le meilleur rendement, à condition de savoir où le placer. Voici les sweet spots à viser.

En bref

Même après la refonte de mai 2026, World of Hyatt conserve une grille de points fixe et publiée, alors que la plupart des grands programmes hôteliers fonctionnent en tarification dynamique.
Les meilleurs rachats se trouvent aux deux extrémités : les hôtels de catégorie 1 (3 000 à 9 000 points la nuit) et les propriétés de luxe des catégories 7 et 8 (jusqu’à 75 000 points la nuit).
Les tout-inclus (Secrets, Dreams, Zoëtry, Miraval) ajoutent la valeur du forfait repas et activités, payé en points.
L’échange de points Aéroplan contre une nuitée Hyatt (25 000 points pour la catégorie 1 à 4, 75 000 pour la catégorie 1 à 7) est ouvert à tout membre ayant lié ses comptes, peu importe la carte, et se maximise sur les nuits les plus chères du plafond visé.
À éviter : les catégories moyennes au niveau « maximum » de la nouvelle grille, où le tarif payant est souvent plus avantageux.

Pour tout ce qui touche l’accumulation, les statuts et le fonctionnement détaillé du programme, la fiche complète de World of Hyatt reste votre référence.

Pour comparer la valeur du point Hyatt à celle des six autres grands programmes hôteliers, consultez notre comparatif des programmes de fidélité hôteliers en 2026.

Pourquoi le point Hyatt reste l’un des plus payants

La refonte de mai 2026 a remplacé l’ancien système à trois niveaux (hors-pointe, standard, pointe) par une échelle à cinq niveaux : le plus bas, bas, modéré, supérieur et maximum. Les 8 catégories d’hôtels demeurent, mais chacune se décline désormais sur ces cinq paliers, ce qui a repoussé le sommet de certaines catégories vers le haut.

L’atout de Hyatt tient dans un mot : la prévisibilité.

Chez Hyatt : chaque catégorie a un coût en points connu à l’avance, publié dans une grille officielle. Vous calculez la valeur d’un rachat avant même de réserver.
Chez la plupart des autres programmes hôteliers : la tarification est dynamique, le coût en points suit le prix payant. Quand le tarif monte, le nombre de points requis monte aussi, et le rendement par point plafonne.
Exemple concret : une nuit facturée 700 $ dans une propriété Hyatt de catégorie 8 reste plafonnée à 75 000 points, peu importe la flambée du tarif payant.

Notre méthode pour repérer un bon rachat tient en deux étapes :

Comparez le tarif payant tout compris (taxes incluses) au coût en points.
Divisez pour obtenir la valeur par point.

Voici quelques repères de la nouvelle grille, à titre indicatif :

Catégorie	Niveau « le plus bas »	Niveau « maximum »
Catégorie 1	3 000 points	9 000 points
Catégorie 4	variable	jusqu’à 25 000 points
Catégorie 8	variable	jusqu’à 75 000 points

Catégorie 1 : les nuits à petit prix

La catégorie 1 est souvent négligée, à tort. À 3 000 points au niveau « le plus bas » et jusqu’à 9 000 points au niveau « maximum », ce sont les nuits les moins chères de tout le programme. On y trouve surtout des Hyatt Place et des Hyatt House, mais aussi quelques adresses bien placées dont le tarif payant grimpe pendant les périodes de forte demande.

Le sweet spot apparaît quand un hôtel de catégorie 1 se trouve dans une ville où l’hébergement coûte cher lors d’un événement (congrès, festival, semaine de relâche). Exemple générique : un hôtel de catégorie 1 dont le tarif payant grimpe à 220 $ la nuit pendant un week-end achalandé, réservé à 3 500 points, dégage une valeur d’environ 6,3 cents par point. À l’inverse, le même hôtel à 95 $ en semaine ne vaut pas la peine d’être payé en points : gardez-les pour les nuits chères.

Réservez en points seulement quand le tarif payant tout compris dépasse nettement le coût en points.
Surveillez les nuits « le plus bas » (3 000 à 5 000 points) : ce sont les meilleures affaires du programme pour les courts séjours.
Une nuit de catégorie 1 est aussi la cible parfaite pour un échange de points Aéroplan contre une nuitée gratuite (voir plus bas).

Catégories 7 et 8 : le luxe payé en points

C’est ici que le point Hyatt brille le plus. Les catégories 7 et 8 regroupent les enseignes de prestige : Park Hyatt, Andaz, Grand Hyatt et les propriétés Alila. Dans les destinations où le tarif payant s’envole (300 à 500 $ et plus la nuit), le plafond en points transforme un séjour autrement inaccessible en rachat très rentable.

Les Park Hyatt se répartissent généralement entre les catégories 7 et 8. À titre d’exemples connus, le Park Hyatt Paris-Vendôme et le Park Hyatt New York se situent en catégorie 7, tandis que des adresses comme le Park Hyatt Maldives ou le Park Hyatt Marrakech se trouvent en catégorie 8. Les catégories des propriétés changent périodiquement : validez toujours la catégorie et le coût en points au moment de réserver.

Exemple générique de calcul : une nuit de catégorie 8 facturée 650 $ tout compris, réservée à 45 000 points, dégage environ 1,4 cent par point. Le même hôtel réservé à son niveau « maximum » de 75 000 points pour le même tarif payant tombe à environ 0,9 cent par point. La leçon est claire : sur le luxe, le sweet spot se joue sur les nuits aux niveaux plus bas, pas sur les dates de pointe au tarif « maximum ».

Les tout-inclus : la valeur du forfait complet

World of Hyatt couvre 9 marques tout-inclus, dont Secrets, Dreams, Zoëtry, Hyatt Ziva et Hyatt Zilara, ainsi que les centres de bien-être Miraval. La particularité de ces établissements : le tarif payant inclut les repas, les boissons et une bonne partie des activités. Quand vous réglez la nuit en points, vous ne payez pas seulement la chambre, vous couvrez aussi tout ce qui vient avec.

C’est ce qui rend ces rachats intéressants : sur une destination soleil, une nuit tout-inclus payante peut atteindre 500 à 800 $ pour deux personnes en haute saison. Réglée en points, elle transforme un budget vacances complet en séjour presque gratuit, repas et boissons compris. Miraval fonctionne un peu différemment (crédit de complexe inclus pour les activités de bien-être), mais la logique de valeur reste la même.

Comparez le tarif tout-inclus par personne : la valeur du forfait grimpe vite pour une famille ou un couple.
Vérifiez si l’établissement facture des frais de complexe ou des taxes non couvertes par la nuit-récompense.
L’option Points + argent, ou l’achat de points lors d’une promotion, peut aider à compléter un solde insuffisant sans renoncer au séjour.

Couple à la piscine d'un centre de villégiature tout-inclus de luxe

Les fenêtres « le plus bas » de la nouvelle grille

La nouvelle échelle à cinq niveaux a une contrepartie positive : elle crée un palier « le plus bas » sous l’ancien plancher hors-pointe. Sur les nuits les moins demandées, certaines catégories descendent donc sous ce qu’elles coûtaient auparavant. Ces fenêtres sont les vraies aubaines du barème 2026.

Où les trouver ? Les périodes creuses classiques restent vos meilleures alliées :

Basse saison de la destination : saison des pluies en zone tropicale, milieu de semaine dans les villes d’affaires, hors vacances scolaires.
Nuits isolées en dehors des week-ends et des grands événements locaux.
Réservations tôt : les niveaux « le plus bas » et « bas » ont tendance à partir en premier sur les propriétés populaires.

Concrètement, une propriété de catégorie 1 réservée à 3 000 points au lieu de 3 500 points sous l’ancien plancher représente une économie de 500 points par nuit, soit une nuit gratuite « offerte » tous les six séjours environ. Sur un voyage de plusieurs nuits, l’écart devient significatif.

Les nuitées gratuites en points Aéroplan

Depuis le partenariat entre Aéroplan et World of Hyatt, tout membre Aéroplan qui lie ses comptes peut échanger directement ses points contre une nuitée gratuite chez Hyatt : 25 000 points pour un hôtel de catégorie 1 à 4, ou 75 000 points pour un hôtel de catégorie 1 à 7. Cet échange est ouvert à tous les membres, peu importe la carte détenue : le statut Aéroplan Élite et les cartes prestige donnent d’autres avantages (statut Discoverist, nuitées qualifiantes, défis de statut), pas celui-ci. Comme la nuitée est couverte sans égard au tarif payant (dans la limite de la catégorie visée), la stratégie est la même que pour les points eux-mêmes : viser la nuit la plus chère possible de son plafond.

Exemple générique : un échange de 25 000 points Aéroplan utilisé sur un hôtel de catégorie 4 dont le tarif payant atteint 350 $ la nuit vous fait récupérer 350 $ de valeur, contre 120 $ seulement si vous le brûlez sur une catégorie 1 tranquille en semaine. La catégorie visée prime : visez le haut de la fourchette permise par votre échange.

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

TD Aeroplan

Annual fee: $599
Our valuation: $2,000Milesopedia first-year estimate First-year valueWelcome bonus$2,000Total$2,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 100,000 points

Terms of the offer

Limited Time Offer! Apply by December 1, 2019 to earn up to 60,000 Aeroplan Miles (equivalent to 2 business class short-haul roundtrip flight rewards)¹ as follows:
- Welcome Bonus of 25,000 Aeroplan Miles when you make your first Purchase with your card¹.
- + Earn 2x miles on your purchases⁴,5 made using your Card for a total of up to 30,000 Aeroplan Miles, for first 3 months¹.
- + Earn 5,000 Aeroplan Miles when you add an Authorized User to your Account by December 1, 2019. Annual Fees for Authorized Users continue to apply¹.
Earn Aeroplan Miles with every purchase made on your Card and arrive at your dream destination sooner
Enjoy Air Canada®³ and Visa Infinite Privilege benefits⁴
- Priority Check-in on Air Canada®³ flights
- Priority Boarding on Air Canada®³ flights
- First checked bag free on Air Canada®³ flights
- Four annual One-Time Guest Passes to the Maple Leaf Lounge (when travelling on flight rewards)
- 50% discount on companion tickets for eligible Executive Class or Executive First fare (booking classes J & C) on tickets entirely operated by Air Canada®³ & Air Canada Express
- Global Airport Lounge Access⁴
- Visa Infinite Privilege* Airport Benefits⁴ at Vancouver, Ottawa and Montreal-Trudeau International airports
An extensive suite of travel insurance
Earn 1.5 miles⁵ for every $1 spent on eligible grocery, gas, drugstore and Air Canada Purchases (excluding Air Canada Vacation packages) made with the Card (capped annually on the first $100,000 across these categories)
Earn 1.25 miles⁶ for every $1 spent on all other purchases made with the Card
Earn miles twice⁷ when you pay with your Card and present your Aeroplan Membership Number at participating partner brands and online retailers via the Aeroplan eStore
Your Aeroplan Miles don’t expire as long as you’re a TD Aeroplan Credit Cardholder

Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.

Fees / Rates / Eligibility

Type	Details
Personal annual income	-
Household annual income	$200,000
Purchase APR	19.99%
Cash Advance APR	22.99%
Interest Grace Period	21 days on all new purchases
Balance Transfer Rate	22.99%
Foreign Transaction Rate
Annual Fee	$399
Authorized User Cards	$99
Balance Transfer Fee	Promotional Balance Transfer/ Cheque Fee: 3% of the amount of each Balance Transfer or TD Visa Cheque that we may offer to you at a promotional interest rate which is an interest rate that is lower than the regular annual interest rate that applies to Cash Advances on your Account. The Bank may waive or lower this 3% fee at the time the promotional interest rate offer is made to you. You will be advised of the exact fee that applies at the time the offer is made.
Cash Advance Fee	1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque)
Foreign Currency Conversion Fee	2.50%
Over Credit Limit Fee	N/A

Disclaimer

Annual interest rates, fees and features are current as of June 19, 2017 unless otherwise indicated and subject to change. The Aeroplan Program is a coalition loyalty marketing program owned and operated by Aeroplan Inc. Visit aeroplan.com for complete terms and conditions of the Aeroplan Program. The Toronto-Dominion Bank and its affiliates are not responsible for the Aeroplan Program. 1 Must apply by December 1, 2019. Welcome Bonus of 25,000 Aeroplan Miles will be awarded to the Aeroplan Member account associated with the TD Aeroplan Visa Infinite Privilege* Card Account (“Account”) only after the first Purchase is made on the Account. Welcome Earn Bonus of 2x in Aeroplan Miles ("Welcome Earn Bonus") applies to new Account in the first 3 months of Account opening ("First 3 Months") to a maximum total collective miles of 30,000 ("Welcome Earn Bonus Cap") on all purchases charged to your ("Account"). During the Welcome Earn Bonus promotional period, 3 Aeroplan Miles are earned for each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) charged to your Account and 2.5 Aeroplan Miles are earned for each $1.00 for all other Purchases charged to your Account. Any returned items, refunds, rebates or other similar credits on any Purchases made during the First 3 Months will reduce or cancel the Aeroplan Miles earned at the Welcome Earn Bonus on the original Purchase, as applicable. Welcome Earn Bonus Cap: Once the Welcome Earn Bonus Cap is reached, any further Purchases made in the First 3 Months will earn Aeroplan Miles at the regular 1.5 Bonus Aeroplan Miles that applies to each $1.00 in Purchases of eligible gas, groceries, drugstore, and aircanada.com products and services (excluding Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com) and 1.25 Aeroplan Mile to each $1.00 to all other eligible Purchases. To receive the additional 5,000 Aeroplan Miles for adding an Authorized User to your Account ("Authorized User Bonus"), you must: (a) apply for an Account and add an Authorized User between September 4, 2019, and December 1, 2019; and (b) Authorized User must call and activate their Card by January 31, 2020. You can have a maximum of three (3) Authorized Users on your Account but you will only receive 1 (one) 5,000 Authorized User Bonus Aeroplan Miles offer. Annual Fee for each Authorized User Card added to the Account will apply. The Primary Cardholder is responsible for all charges to the Account, including those made by any Authorized User. Other conditions apply. Offers may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise specified. Welcome Bonus and 2x miles earned through Welcome Earn Bonus are not eligible for Aeroplan status. Your Account must be in good standing at the time bonus miles are awarded. Please allow 8 weeks after the conditions for each offer are fulfilled for the miles to be credited to your Aeroplan Member account. The number of Aeroplan Miles required for the destination is accurate as of September 4, 2019 and is subject to change at any time by Aeroplan Inc. According to Aeroplan's current reward chart, destinations reflect two short-haul Fixed Mileage Flight Reward® in Business Class departing from within Canada or the continental US (plus applicable fees and taxes). Fixed Mileage Flight Reward availability is capacity controlled and is subject to availability at time of booking as well as seasonality of demand. Aeroplan Flight Rewards are subject to taxes, landing and departure fees, and other charges and surcharges may apply. Aeroplan Partners, rules and regulations are subject to change without notice. For full details on Aeroplan's current reward chart, please visit aeroplan.com. 2 Primary Cardholder remains liable for all charges to the Account, including those made by an Authorized User. 3 All Air Canada benefits are fulfilled in whole or in part by Air Canada or its designated affiliates or other third parties, and are subject to change at any time. The Toronto-Dominion Bank and its affiliates are not responsible for fulfilling these benefits. For more details about these benefits, please contact Air Canada directly. Air Canada Benefit Eligibility – Priority Travel Services : With the TD Aeroplan Visa Infinite Privilege Card, Air Canada benefits (the complimentary first checked bag, priority check in and priority boarding) apply whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access priority check-in and priority boarding, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards® or Market Fare Flight Rewards®) using miles from their Aeroplan account. To access these benefits, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. Where zonal boarding is available, the priority boarding status will be recognized by a Zone 2 descriptor for the Primary Cardholder and companions travelling on the same reservation checking-in at the same time, which will be displayed on the Air Canada issued boarding pass. Priority check-in may also be extended to companions travelling on the same reservation checking-in at the same time as the Primary Cardholder. To access priority check-in and priority boarding, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege* Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag , up to 23kg (50lb), applies whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) using miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege * Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. The complimentary first checked bag, up to 23kg (50lb), applies whenever the Primary Cardholder travels on a flight operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. Flights operated by other airlines are not eligible. To access this benefit, the Primary Cardholder must include their Aeroplan Number on their reservation at time of booking, or redeem their Aeroplan flight reward (defined as Fixed Mileage Flight Rewards or Market Fare Flight Rewards) using miles from their Aeroplan account. To access this benefit, the Primary Cardholder must also ensure that the name on the Air Canada flight booking is identical to the name on the Aeroplan account profile of the traveler. The complimentary first checked bag applies solely to the Primary Cardholder, and service charges for additional/oversized/overweight baggage may apply. Applicable on flights that do not already offer a complimentary first checked bag. To access this benefit, the Primary Cardholder may be required to show their TD Aeroplan Visa Infinite Privilege Card to the Air Canada agent. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be activated. Air Canada Benefit Eligibility – Air Canada Maple Leaf Lounge One-Time Guest Access Benefit : With the TD Aeroplan Visa Infinite Privilege Card, the Primary Cardholder will receive four Air Canada Maple Leaf Lounge™ One-Time Guest Access Benefits once every calendar year (January 1 - December 31). The Primary Cardholder may access an Air Canada Maple Leaf Lounge™, where available, upon presentation of an active TD Aeroplan Visa Infinite Privilege Card with a valid, same-day boarding pass for travel using an Aeroplan Flight Reward, only, on flights operated by Air Canada, Air Canada Rouge or under the Air Canada Express banner. To access this benefit, the Primary Cardholder must redeem their Aeroplan Flight Reward (defined as Fixed Mileage Flight Rewards® or Market Fare Flight Rewards®) with miles from their Aeroplan account. Each Air Canada Maple Leaf Lounge One-Time Guest Access Benefit applies for a single entry during the calendar year for which it was provided by the Primary Cardholder only and cannot be carried forward to the next calendar year. As of November 2, 2015, Air Canada Maple Leaf Lounge One-Time Guest Access Benefits associated with the TD Aeroplan Visa Infinite Privilege Card may be used by a traveling companion, pending space availability, provided that the companion is booked on the same reservation as the eligible Primary Cardholder. Only applicable if the companion ticket is also redeemed using miles from the eligible Primary Cardholder’s Aeroplan account. Companion must be accompanied by the eligible Primary Cardholder who is using a One-Time Guest Access Benefit to access the same Air Canada Maple Leaf Lounge. The One-Time Guest Access Benefit may be extended to more than one companion at any given time, pending space availability, provided that the conditions above are met and that this does not exceed the maximum annual allotment of One-Time Guest Access Benefits. Additional conditions may apply and are outlined on aircanada.com/tdbenefits. Air Canada Maple Leaf Lounge access is subject to availability and all other terms and conditions located here that are subject to change at Air Canada’s sole discretion from time to time. Please allow two (2) weeks from receiving your Card for these Air Canada benefits to be in effect. Air Canada® Benefit Eligibility – 50% Discount on Companion Ticket : Upon the purchase from Air Canada of two (2) eligible Business Class (Flexible) fares for the Primary Cardholder and a companion (booking classes J, C, and D only) on tickets entirely operated by Air Canada or under the Air Canada Express banner, the Primary Cardholder will be eligible for a 50% discount on the companion ticket. Flights operated by other airlines, including Air Canada-marketed codeshare flights are not eligible. The 50% discount only applies on the published fare, and will not apply to any additional taxes, fees, charges or surcharges. This offer is available once every calendar year (January 1 – December 31) to each Primary Cardholder. The Primary Cardholder can only access the 50% discount each year when booking online at aircanada.com using that year’s promotional code. All travel must be completed by December 31 of the following year. Offer also applies to select Premium rouge bookings, where booking classes J, C, or D are available, on flights operated by Air Canada rouge to select destinations in Canada, the United States, or the Caribbean. Should you require assistance completing your 50% discount during your online booking, please contact Air Canada at 1-888-247-2262. Offer is non-transferable, and the companion Business Class ticket must be booked on the same reservation as the eligible Business Class (Flexible) booking by the Primary Cardholder. Please note that promotional codes apply to undiscounted published fares. Some of our previously discounted fares, while not eligible for the promotion, may be lower than the final price of the undiscounted fare to which the promotion applies. 4 You must be an eligible Visa Infinite Privilege cardholder with a valid Visa Infinite Privilege Card to take advantage of the Visa Infinite Privilege benefits and services. Certain benefits and services require enrolment. Offers and benefits are non-transferable and discounts cannot be combined with any other offer or discount. Neither Visa nor the Issuer of the card is responsible for any claims or damages arising from use of any benefits or services provided by a third party. Visa reserves the right to modify or cancel offers or benefits at any time and without notice. All offers, benefits and services made available through Visa are subject to complete terms and conditions, including third party suppliers’ terms and conditions (available at www.visainfinite.ca/privilege/terms.jsp). The Visa Infinite Privilege privacy policy (available at www.visainfinite.ca/privilege/privacy.jsp) applies to all benefits and services that require enrolment through, or are otherwise provided by, the Visa Infinite Privilege Concierge or the Visa Infinite Privilege website. The collection, use and disclosure of cardholders’ personal information by third party suppliers of services and benefits to Visa Infinite Privilege cardholders are subject to such third parties’ own privacy policies. 5 1.5 Bonus Aeroplan Miles (“Bonus Rate”) are earned on each $1.00 in Purchases of gas, groceries or drugstore products/services charged to your TD Aeroplan Visa Infinite Privilege Card Account (“Account”). This Bonus Rate is also earned on each $1.00 in Purchases from Air Canada charged to your Account for products and services completed online at aircanada.com, in-person at an Air Canada customer service counter at the airport or aboard an Air Canada flight. Excluded from the Bonus Rate are Air Canada Vacations packages, car rentals, hotel bookings, and other third party partner products and services that can be purchased through aircanada.com. Any returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned on the original Purchase. To earn this Bonus Rate, Purchases of gas, groceries, drugstore products/services and Air Canada Purchases must be made at merchants classified through the Visa* network with a Merchant Category Code (“MCC”) that identifies them in the “gas”, “grocery”, “drugstore” or “Air Canada” category. Some merchants may sell gas, groceries or drugstore products/services or Air Canada products/services, or have separate merchants located on their premises that also sell gas, groceries or drugstore products/services or Air Canada products/services, but may not be classified with a gas, grocery, drugstore or Air Canada MCC and such Purchases will not earn this Bonus Rate. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472. Bonus Rate is only available on the first $100,000 in net annual Purchases of gas, groceries, drugstore products/services and Air Canada Purchases made from January 1 to December 31 each year on your Account. Once the maximum net annual amount has been reached, Purchases of gas, groceries, drugstore products/services or Air Canada Purchases on the Account will not earn the Bonus Rate but will only earn Aeroplan Miles at the standard rate that applies to all other Purchases on the Account. This Bonus Rate offer is in place of, and not in addition to, the standard rate earned on all other Purchases made on your Account. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. 6 1.25 Aeroplan Miles are earned on each $1.00 in Purchases charged to your TD Aeroplan Credit Card Account (“Account”). Credit for returned items, refunds, rebates or other similar credits will reduce or cancel the Aeroplan Miles earned by the amount originally charged to your Account. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional services, refunds, rebates or other similar credits do not earn Aeroplan Miles. Please see the Aeroplan Terms for Your TD Credit Card section of the Cardholder Agreement for complete details on Aeroplan Miles earned on Purchases (a copy of your Cardholder Agreement is available at http://www.tdcanadatrust.com/tdvisa/agreements ). 7 The Toronto-Dominion Bank is not responsible for any Aeroplan Miles under this “earn miles twice” feature of the Aeroplan Program when the Aeroplan Membership Card is presented. 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. For full details on hotel accommodation and car rental booked with Aeroplan Travel Services, please visit aeroplan.com. All trade-marks are the property of their respective owners. * Trademark of Visa Int., used under license. TM Air Canada Maple Leaf Lounge is a trademark of Air Canada, used under license. ® Air Canada, Air Canada Express, Air Canada Rouge and the Air Canada Maple Leaf logo are registered trademarks of Air Canada, used under license. ® Air Canada is a registered trademark of Air Canada, used under license. ® Fixed Mileage Flight Rewards and Market Fare Flight Rewards are registered trademarks of Aimia Canada Inc. Aeroplan® and the Aeroplan logo are registered trademarks of Aeroplan Inc. The TD logo and other trade-marks are the property of The Toronto-Dominion Bank.

Legal

^†Terms and conditions apply.

With the TD^® Aeroplan^® Visa* Infinite Privilege* Card, you can earn up to 100,000 Aeroplan points^† with a tiered welcome offer.

This card also offers premium travel benefits, including:

A partial rebate on NEXUS program application fees (up to $100 CAD per eligible cardholder) every 48 months^†
Unlimited access to Air Canada Maple Leaf Lounges^†, with complimentary access for one guest
6 complimentary visits per year to select international airport lounges through the Visa Airport Companion Program^† presented by DragonPass International Ltd.
First checked bag free for you and up to 8 travel companions on the same reservation when travel begins with an Air Canada flight^†

With the TD^® Aeroplan^® Visa* Infinite Privilege* Card, you earn:

Earn 2 points^† for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
1.5 points^† per dollar on eligible purchases of gas, electric vehicle charging, groceries, travel, public transit and dining
1.25 points^† per dollar on all other eligible purchases

Annual fee

Primary card$599

Additional card$199

Annual income required

Individual$150,000

Household$200,000

Conversion fees

2.5%

Earning rate

2xAir Canada flights
1.5xRestaurants
1.5xGroceries
1.5xTravel
1.5xTransit
1.5xGas & EV
1.25xAll spending

Value

1st Year Value$2,334

2nd Year Value$461

Card benefits

Concierge service24/7

Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 31 days

Travel medical (55-64)Up to $5,000,000 / 31 days

Travel medical (65+)Up to $5,000,000 / 4 days

Trip CancellationUp to $2,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $2,500

Flight DelayUp to $1,000

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+2 years

Mobile DeviceUp to $1,500 / 2 years

Auto Rental CollisionUp to $65,000 / 48 days

Les rachats à éviter

Un point payant reste un point payant seulement si le rachat bat le tarif payant. Voici les cas où vos points valent mieux ailleurs :

Les catégories moyennes au niveau « maximum » : une nuit de catégorie 4 à 25 000 points alors que le tarif payant est de 180 $ donne à peine 0,7 cent par point. Payez comptant et gardez vos points.
Les nuits en semaine à bas tarif : quand un hôtel se réserve à 100 $ ou moins, les points rapportent presque toujours davantage ailleurs.
Les transferts vers les compagnies aériennes : Hyatt permet de convertir des points vers 25 transporteurs à un ratio de 2,5 pour 1, et vers Aéroplan à taux fixe (50 000 points Hyatt donnent un certificat de 30 000 points Aéroplan). Le rendement y est bien inférieur à celui d’une nuit d’hôtel : réservez-le aux cas où il ne vous manque qu’un petit solde pour un billet.

La règle de base tient en une phrase : si le tarif payant divisé par le coût en points donne moins d’environ 1,5 cent par point, réglez comptant et conservez vos points pour un meilleur sweet spot.

Questions fréquentes sur les sweet spots World of Hyatt

Quel est le meilleur rachat de points World of Hyatt ?

Les deux extrémités du barème offrent les meilleurs rendements. En bas, les hôtels de catégorie 1 (3 000 à 9 000 points la nuit) dans une ville où le tarif payant grimpe pendant un événement. En haut, les propriétés de luxe des catégories 7 et 8 (Park Hyatt, Andaz, Grand Hyatt) dans les destinations où le tarif payant dépasse 300 à 500 $ la nuit, puisque le coût en points y est plafonné. Dans les deux cas, comparez le tarif payant tout compris au coût en points avant de réserver.

La refonte de mai 2026 a-t-elle rendu les points Hyatt moins intéressants ?

Le coût de certaines nuits a augmenté, surtout dans les catégories élevées où le sommet passe à 75 000 points la nuit au niveau « maximum ». Mais Hyatt conserve son avantage principal : une grille fixe et publiée, ce qui permet de calculer la valeur d’un rachat à l’avance, contrairement à la tarification dynamique de la plupart des autres programmes. La nouvelle échelle à cinq niveaux crée aussi un palier « le plus bas » qui, sur les nuits creuses, descend parfois sous l’ancien plancher.

Vaut-il la peine du0027utiliser des points Hyatt dans un tout-inclus ?

Souvent, oui. Dans les marques tout-inclus de World of Hyatt (Secrets, Dreams, Zoëtry, Hyatt Ziva, Hyatt Zilara), le tarif payant couvre les repas, les boissons et une bonne partie des activités. Régler la nuit en points revient donc à couvrir un forfait complet, pas seulement une chambre. En haute saison, une nuit tout-inclus payante pour deux peut atteindre 500 à 800 $, ce qui améliore nettement le rendement par point. Vérifiez toutefois les frais de complexe et les taxes qui ne sont pas toujours couverts par la nuit-récompense.

Comment maximiser lu0027échange de points Aéroplan contre une nuitée Hyatt ?

L’échange (25 000 points Aéroplan pour une nuitée de catégorie 1 à 4, 75 000 points pour une catégorie 1 à 7) est ouvert à tout membre ayant lié ses comptes Aéroplan et World of Hyatt, peu importe la carte détenue. La stratégie : l’utiliser sur la nuit la plus chère possible dans la limite de la catégorie visée, par exemple un hôtel de catégorie 4 dont le tarif payant atteint 300 à 400 $ pendant une période de forte demande. Les détails complets se trouvent dans notre article sur le partenariat Aéroplan et World of Hyatt.

Faut-il transférer ses points Hyatt vers une compagnie aérienne ?

Rarement comme stratégie principale. Hyatt permet de convertir des points vers 25 transporteurs à un ratio de 2,5 pour 1, et vers Aéroplan à taux fixe (50 000 points Hyatt pour un certificat de 30 000 points Aéroplan). Le rendement par point y est bien plus faible que pour une nuit d’hôtel. Réservez ces transferts aux situations où il ne vous manque qu’un petit solde pour compléter un billet récompense. Pour le reste, vos points valent davantage sur une nuit d’hôtel bien choisie.