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How to Get and Use the Air Canada Worldwide Companion Pass

How to Get and Use the Air Canada Worldwide Companion Pass
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The Air Canada Annual Worlwide Companion Pass allows you to travel with a guest at a reduced price anywhere in the world. Here’s how to use it to its full potential.

How to Get and Use the Air Canada Worldwide Companion Pass - Passe compagnon monde Air Canada

How Does the Air Canada Worldwide Companion Pass Work?

You must purchase an economy class ticket (one-way or round-trip) for yourself.

Then, you can bring a guest with you at a fixed base fare between $99 and $599 depending on the destination. Taxes and other surcharges (carrier surcharges) must also be paid on the second ticket.

To qualify for the Air Canada Annual Worldwide Companion Pass, all flight segments must be operated by Air Canada (and its Rouge and Jazz subsidiaries). In addition, it only applies to flights paid for with cash and not with Aeroplan points.

The cost of the Air Canada Annual Worldwide Companion Pass depends on your destination:

  • $99 for Canada or the continental United States (Hawaii excluded),
  • $299 for Hawaii, Mexico, Central America or the Caribbean,
  • $499 for South America, Europe, Middle East or Africa,
  • $599 for Asia, Australia or New Zealand.
How to Get and Use the Air Canada Worldwide Companion Pass - business class-26

The Air Canada Worldwide Companion Pass

To better understand how the Air Canada Worldwide Companion Pass works, here’s an example of how it was used for a trip to Disney World during the holiday season.

Two plane tickets to Montreal-Orlando cost $2,376.

With the Annual Worldwide Companion Pass:

PersonCost of ticketTaxes and surcharges
You$1,188$120 + $230
Your companion$99$120 + $230
Total$1,987 (or $994 per person)

The Air Canada Worldwide Companion Pass saves you $389 ($2,376 – $1,987).

Disney: Our tips for visiting Walt Disney World - Orlando - Hollywood Studio Disney World Orlando-05

How to Get an Air Canada Worldwide Companion Pass

Before we get into the analysis of where to best use it, let’s first look at how to get it.

You can receive the Air Canada Worldwide Companion Pass after making $25,000 in net purchases (not including annual fees) on certain « premium » credit cards. These purchases must be made before the anniversary date of your Card membership.

The terms and conditions state that this pass will be paid into the Aeroplan account between 8 and 10 weeks after the anniversary date of Card membership. Therefore, you must pay the annual fee for the second year in order to receive the Air Canada Worldwide Companion Pass. In fact, it is a retention offer.

The credit cards that offer the Air Canada Annual Worldwide Companion Pass are:

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$599Welcome offer
Up to 85,000 points
Apply Now
Annual fee$599Welcome offer
Up to 90,000 points
Apply Now
Annual fee$599Welcome offer
Up to 100,000 points
Apply Now
Annual fee$599Welcome offer
Up to 100,000 points
Apply Now
How to Get and Use the Air Canada Worldwide Companion Pass - air canada passe compagnon monde

There are no restrictions on the dates you can use it, and it is valid for 1 year after the deposit to the account. Reservations can be made beyond the expiry date of the Air Canada Annual Worldwide Companion Pass, so you have a 2-year window to use it after acquisition.

However, if you cancel your trip after the expiry date of the Air Canada Worldwide Companion Pass, the pass cannot be added back to your account and will disappear.

What’s more, the Air Canada Worldwide Companion Pass is linked to the credit card you used to obtain it; if you no longer hold that card, you lose your pass if you haven’t used it yet.

At American Express, the net purchase amount is displayed on each statement. With TD and CIBC, you have to do the counting yourself to determine whether or not you’ve reached the threshold.

How to Get and Use the Air Canada Worldwide Companion Pass - Montant d-achat net

How to Use the Air Canada Worldwide Companion Pass?

The steps to make a booking with your Air Canada Annual Worldwide Companion Pass are as follows:

  • Login to your Aeroplan account
  • Search for a destination served by Air Canada with a minimum of 2 passengers
  • Click on your privileges and apply the pass to your search
How to Get and Use the Air Canada Worldwide Companion Pass - air canada passe annuelle pour compagnon monde

Then you’ll see that the Annual Worldwide Companion Pass is applied.

Proceed with payment as usual.

How to Maximize the Use of the Air Canada Worldwide Companion Pass

The basic principle of the Annual Worldwide Companion Pass is that the higher the cost of the ticket for the first passenger, the more you save on the cost of the second ticket.

Using the Air Canada Annual Worldwide Companion Pass by Region

First of all, we need to know which routes Air Canada operates around the world, to make our search easier. The best tool to proceed is Flight Connections where we can see their flights on a map.

How to Get and Use the Air Canada Worldwide Companion Pass - Liaisons AC

Europe

It’s not uncommon to find cash deals on flights to Europe. A fare of between $800 and $1,000 (including taxes and fees) is a very realistic way to get there, especially during less busy periods.

In these cases, using an Air Canada Annual Worldwide Companion Pass is not as optimal, since you will not save a significant amount after paying the base cost of $499 plus surcharges, which can be quite high.

Indeed, don’t forget that you can use Google Flights to find the best flights to the Old Continent. Also, combining with a low-cost carrier is often very advantageous for travelling at a lower cost. Here is an example where the Annual Worldwide Companion Pass is absolutely NOT a good use.

PersonCost of ticketTaxes and surcharges
You$1$530 + $233.21
Your companion$499$530 + $233.21
Total$2,026.42 (or $1,013.21 per person)
Savings– $498 (1,528 – $2,026)

However, since everything depends on the base fare of the first ticket; obviously, you will not deliberately choose to pay more.

However, if you are limited to travelling due to school restrictions, such as only during March break, construction weeks, or the holiday season, the Air Canada Annual Worldwide Companion Pass can be very useful for saving on your family vacation budget!

Similarly, if you are the type who does not book in advance, the Air Canada Annual Worldwide Companion Pass can save you and help offset the exorbitant costs of last-minute travel.

PersonCost of ticketTaxes and surcharges
You$1,260$173.11 + $954.97
Your companion$499$173.11 + $954.97
Total$4,015.16 (or $2,007 per person)
Savings$761

Central America and the Caribbean

In this region, base fares are around $500 to $1,500 (excluding taxes and fees of around $200 to $500); paying a base fare of $299, you’ll save between $200 and $700 with the Air Canada Worldwide Companion Pass.

An excellent tool to view prices quickly is Google Flights; you can apply filters so that only Air Canada flights are displayed.

You will see the total price (base rate + taxes and fees), but it can give you an idea.

Then, you can visit the Air Canada website to find out the exact amount of taxes and carrier surcharges in order to calculate the actual price for two people travelling with an Air Canada Annual Worldwide Companion Pass.

South America

If we look at the possible savings in South America, again on Google Flights, we can save around $400 to $700, depending on the price of the ticket, which varies between $900 and $2,000 (with taxes between $200 and $600 per person, depending on the destination).

For example, rates for Lima can be around $1,000, while those for Santiago are more like $1,300.

The Air Canada Annual Worldwide Companion Pass would be more advantageous for travelling to Patagonia via Santiago or Buenos Aires compared to Bogotá, where prices can be lower.

Our Patagonia Travel Guide - 19-base of the three towers

The Middle East and Africa

Africa is vast, but Air Canada only serves Morocco, Algeria and Egypt. Yet it’s not uncommon to find low fares to these destinations at around $900 and $1,500 (with taxes between $200 and $700 per person, depending on location).

So once again, taking into account the base fee of the Air Canada Annual Worldwide Companion Pass at $499, we’re talking about savings of between $200 and $700.

Similarly, basic fares to Dubai and Tel Aviv are in the same price range, although surcharges can approach $1,000 for a place like Dubai.

All these savings of $200 to $700 are far from negligible! Then, in periods when it’s more expensive… you’ll simply save more!

United Arab Emirates: must-do activities in Dubai - dubai-01

Asia

For Asia, the savings with an Air Canada Annual Worldwide Companion Pass are very variable, as prices also fluctuate greatly depending on the destination and dates.

Indeed, to get to Japan in the middle of the sakura season, I found base fare tickets for $1,368 on a direct flight!

PersonCost of ticketTaxes and surcharges
You$1,368$119.31 + $530
Your companion$599$119.31 + $530
Total$3,265.62 (or $1,632.81 per person)
Savings$769

While in Bangkok, the gateway to Southeast Asia, prices are significantly more expensive. Therefore, the pass becomes more advantageous.

PersonCost of ticketTaxes and surcharges
You$1,919$113.31 + $719.97
Your companion$599$113.31 + $719.97
Total$3,351.28 (or $1,675.64 per person)
Savings$2,153

Looking at the options above, we’d say that using a pass to get to Tokyo isn’t all that cost-effective, since it only saves us $700 compared to $2,100 if we go to Bangkok.

However, it’s important to remember that to save $2,100 with the Air Canada Worldwide Companion Pass, you’ll also be paying more out of pocket. Finally, you also have to ask yourself: where do I really want to go on my vacation? Going to Japan to see the sakura in bloom with a direct flight for $1,600 per person is pretty good, even if you only save $700.

Once in a lifetime trips: 10 journeys you should take - IMG-9923

India

Then, for Asia, there is India which is a very good choice to use an Air Canada Annual Worldwide Companion Pass. In fact, Air Canada flights to India generally cost over $2,000 per person, and even more for direct flights.

PersonCost of ticketTaxes and surcharges
You$1,356.03$103.71 + $933.97
Your companion$599$103.71 + $933.97
Total$4,030.39 (or $2,015.20 per person)
Savings$757

Of course, there are other airlines selling tickets to India for between $1,200 and $1,500, but it’s important to remember that the Air Canada Worldwide Companion Pass only applies to flights operated by Air Canada. Then again, $2,000 per person for a direct flight on the 787 to this region is still pretty good.

Bucket List: Visiting the 7 Wonders of the World - Taj Mahal

Australia and New Zealand

Finally, the Oceania region is also a good destination for using an Air Canada Annual Worldwide Companion Pass, as the cost ends up being around $1,800 per person. Then, the taxes and fees are extremely low. Therefore, it is a sweetspot.

PersonCost of ticketTaxes and surcharges
You$2,472$222.81 + 29.99
Your companion$599$222.81 + $29.99
Total$3,576.60 (or $1,788.30 per person)
Savings$1,873

I’ve noticed that prices are at least around $2,000 if you’re lucky, and that’s with several connections. So, the pass allows you to get to Australia via the fastest route (1 stopover) and in a much more affordable way!

If you are planning to celebrate New Year’s Eve in Sydney, the Air Canada Annual Worldwide Companion Pass will definitely save you a lot of money, as prices are very expensive during this period! Then, you don’t want to go solo anyway!

Celebrate New Year's Eve in Sydney with points - Mrs Macquarie Point

The Race for Aeroplan Elite Status

The Air Canada Annual Worldwide Companion Pass can be used to book tickets in Standard, Comfort, Flex, and Latitude Economy classes; it cannot be used for Premium Economy or Business Class cabins.

The advantage of doing this is when you are chasing Aeroplan Elite Status; you can earn more Status Qualifying Dollars (SQD) towards status with higher base fares.

Then, both passengers could move closer to status and earn more Aeroplan points in the process. However, the second passenger will earn fewer Status Qualifying Dollars (SQD) since their base fare paid is lower.

Use of eUpgrade Credits

Then, it is possible to use the Air Canada Annual Worldwide Companion Pass on the Latitude Economy fare and use eUpgrade credits to upgrade to Business Class. The benefits of an Aeroplan Elite status apply; for example, if both passengers have a 25K status, they could have immediate confirmation of the upgrade.


The companion pass cannot be used with premium cabin fares.


Privileges and upgrades linked to Aeroplan Elite status apply if the traveller holds the appropriate status and if the fare purchased allows it. Air Canada

Since the introduction of dynamic pricing for Aeroplan points tickets, prices have skyrocketed and it can be costly when travelling as a pair. Therefore, you should always calculate the value of your points before booking.

The Annual Worldwide Companion Pass can be a great alternative for obtaining business class tickets via eUpgrades, although a latitude economy class ticket can still cost several thousand dollars.

Here is an example between Montreal and Lisbon for a trip to Portugal in latitude:

How to Get and Use the Air Canada Worldwide Companion Pass - passe compagnon monde eco lat argent
How to Get and Use the Air Canada Worldwide Companion Pass - passe compagnon monde eco lat argent 2
PersonCost of ticketTaxes and surcharges
You$3,000$790 + $142.31
Your companion$499$790 + $142.31
Total$5,363.62 (or $2,681.81 per person)

Then you’ll need to use 44 eUpgrade credits (11 credits per segment, per person) to upgrade to business class.

Applying this technique with Air Canada’s companion pass, the total cost for two people would be $5,363.62 plus 44 upgrade credits. By comparison, booking two business class tickets directly would cost $9,044.62 ($4,522.31 per person). This strategy offers substantial savings of nearly $3,700.

How to Get and Use the Air Canada Worldwide Companion Pass - comparatif avec achat en argent

Using the famous technique of booking a latitude economy award ticket with points and using eUpgrade credits, we would still need 212,300 Aeroplan points per person.

How to Get and Use the Air Canada Worldwide Companion Pass - comparatif achat en points eco lat

And 303,800 Aeroplan points in Business Class per person! Of course, ideally, you hope to find availability directly in Business Class with a partner like TAP Air Portugal using Roame to get a fixed rate of 120,000 Aeroplan points! If a fixed partner rate is available, the Air Canada Annual Worldwide Companion Pass will not be worthwhile.

How to Get and Use the Air Canada Worldwide Companion Pass - comparatif achat en points en j

So the choices for achieving two business class tickets in this specific situation (same flights, same carrier, same dates) are:

  • Use of Air Canada Worldwide Companion Pass + $5,364 + 44 eUpgrade credits;
  • 424,600 Aeroplan points in latitude economy + $278 + 44 credits;
  • Pay 607,600 Aeroplan points in business class + $278 in taxes and fees;
  • Pay $9,045 for business class in cash.

The cheapest way to get the pass is to use the same credit cards that offer the possibility of earning eUpgrade credits.

Our credit card selection
Credit cardAnnual feeWelcome offer
Annual fee$599Welcome offer
Up to 85,000 points
Apply Now
Annual fee$599Welcome offer
Up to 90,000 points
Apply Now
Annual fee$599Welcome offer
Up to 100,000 points
Apply Now
Annual fee$599Welcome offer
Up to 100,000 points
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Portugal: Portugal Travel Guide | Itineraries and Must-Sees - Porto 4

Is It Worth Unlocking the Air Canada Annual Worldwide Companion Pass?

The Air Canada Annual Worldwide Companion Pass can be a very useful tool for saving money when travelling as a pair; with potential savings ranging from $200 to $2,100 according to the examples in this article, there are certain situations where its use is highly recommended.

Since you need to make $25,000 in net purchases on your card to unlock it, a savings of $2,100 corresponds to a return of 8.4% on top of the reward points on your purchases. Bear in mind that you’re already earning Aeroplan points on this amount, and that the savings generated by the Worldwide Companion Pass add up to your « investment ».

How to Get and Use the Air Canada Worldwide Companion Pass - Passe compagnon monde Air Canada

Credit cards that offer this advantage are « premium » cards. So, initially, they are aimed at people with a higher-than-average volume of purchases. For someone who has « only » $25,000 in annual purchases, I would instead suggest splitting your purchases across multiple credit cards as a strategy to give you the best return with your one $25,000.

On the other hand, if you have a lot of annual expenses, it’s definitely a good idea to put a small $25,000 (mostly in the « other » category) on a card like the TD® Aeroplan® Visa Infinite Privilege* Credit Card or the American Express® Aeroplan®* Reserve Card.

This amount will also be used to achieve Aeroplan Elite status! In this situation, you have so many expenses that it will be easy to divide the remainder among other cards and maximize the various categories.

In addition to providing an Air Canada Annual Worldwide Companion Pass, there are a multitude of benefits for the cardholder and their group, including:

  • Priority passage at security checkpoints in Canadian airports ;
  • A first bag free of charge for the cardholder and each of his 8 companions on the same reservation;
  • Priority baggage handling;
  • Up to $100 discount on Nexus membership;
  • Priority boarding in zone 2 to ensure you have room for your carry-on bag (indirectly, you also get the carry-on bag included on Air Canada if you ever book a basic fare).

And with the hustle and bustle in airports, there’s nothing better than enjoying a drink in a Maple Leaf Lounge away from the crowds! These days, these benefits are highly coveted.

Plus, to get you started, these cards have generous welcome bonuses if you’re not yet convinced of their many benefits.

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Credit cardAnnual feeWelcome offer
Annual fee$599Welcome offer
Up to 85,000 points
Apply Now

Air Canada Annual Worldwide Companion Pass or Aeroplan Points?

In all cases, we need to look at and compare all our opportunities.

Is it better to use an Air Canada Annual Worldwide Companion Pass or Aeroplan points?

In the Orlando example earlier in this article, the total cost for two people was determined to be $1,987 using the Worldwide Companion Pass. Following a search for the same flights in Aeroplan points, we can see that the cost would be 79,200 points + $327.20 in taxes for two.

Therefore, we can calculate the valuation of the points as follows:


($1,987 – $327) ÷ 79,200 Aeroplan points x 100 = 2 cent / Aeroplan point

Knowing that an Aeroplan point is worth 2 cents in this example, this is well in line with Milesopedia’s valuation of 2 cents. In fact, the higher the value of an Aeroplan point above this 2 cents, the more worthwhile it is to use your points for a trip.

So it would be much better to pay in points and keep your companion pass for another trip.

Bottom Line

There is no doubt that an Air Canada Annual Worldwide Companion Pass is a good card to play in certain circumstances. To find out what’s best for you, as in every other situation in the world of travel hacking… get your calculators!

Annual fee
$599
Our valuation
$1,800

Milesopedia first-year estimateFirst-year valueWelcome bonus$1,800Total$1,800Rewards 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 90,000 points
Apply Now

on American Express's website

Apply with confidence — no impact on your credit scoreApply with confidenceCheck whether your application will be approved before you submit it, with no impact on your credit score*When you apply for a personal American Express Credit Card, we will tell you whether you are eligible without affecting your credit score. So you can apply with confidence.*Instant decisions are only available for consumer Card applications (also called “personal Cards”).

[vc_row][vc_column][vc_column_text el_class="checkmarks"]This metal credit card is the Best Aeroplan Business Credit Card in Canada. For a limited time, you can get, as a welcome bonus:
  • Up to 100,000 Aeroplan Points (an estimated $1,700 value)
  • 10 Aeroplan points for every $1 in card purchases on eligible Gas, Eats & Drinks for the first six months of Cardmembership
With this Card you can earn:
  • 3 points per dollar on purchases made with Air Canada and Air Canada Vacations
  • 2 points per dollar on hotel and car rental purchases
  • 1 point per dollar on all other purchases.
Also, as a Cardmember, you get many benefits such as:
  • Unlimited access to Air Canada Maple Leaf Lounges in North America
  • The first checked bag free for you and up to 8 companions
  • An Annual Worldwide Companion Pass
  • Exclusive benefits with Air Canada (Priority check-in, Priority Boarding and Priority Standby List)
  • The ability to earn 1,000 Status Qualifying Miles and 1 Statuts Qualifying Segment for every $5,000 in purchases charged to your Card.
Finally, you are covered with reliable insurance for your travels and purchases.[/vc_column_text][/vc_column][/vc_row]

With this welcome offer for the American Express Aeroplan Business Reserve Card, you can earn up to 90,000 Aeroplan points:

  • Earn 65,000 Aeroplan points after making $10,500 in purchases in the first three months.
  • Earn an additional 25,000 Aeroplan points when you spend $3,500 in the 13th month.

With this Card, you earn 3X the points on purchases made directly with Air Canada and Air Canada Vacations. And 2X the points on hotels and car rentals. Everywhere else, you will earn 1.25X the points.

With this Card, you benefit from many Air Canada travel benefits such as access to Maple Leaf lounges in North America for you and one guest, priority check-in, priority boarding and priority baggage handling.

Enjoy your first checked bag free (up to 23kg/50lb) for up to 9 people travelling on the same reservation on Air Canada®* flights.

Like all American Express Canada Cards, there is no minimum income requirement.

Annual fee

Primary card$599
Additional card$199

Annual income required

Individual$0
Household$0

Conversion fees

2.5%

Earning rate

  • 3xAir Canada flights
  • 2xTravel
  • 1.25xAll spending

Value

1st Year Value$2,056
2nd Year Value$426

Card benefits

Concierge service24/7
Airport lounge access$400

Travel insurance

Travel medical (under 55)Up to $5,000,000 / 15 days
Travel medical (55-64)Up to $5,000,000 / 15 days
Trip CancellationUp to $1,500
Trip InterruptionUp to $1,500
Delayed BaggageUp to $1,000
Lost BaggageUp to $1,000
Flight DelayUp to $1,000
Hotel BurglaryUp to $1,000
Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded
Extended Warranty+1 years
Auto Rental Collision (primary)Up to $85,000 / 48 days

Frequently Asked Questions

Which credit card should you choose for travel?

If you travel regularly, the credit card you carry makes a real difference – travel insurance, points earning, airport lounge access and no foreign exchange fees. Use our credit card comparator to filter through 200+ Canadian cards based on your needs, or browse the best credit cards in Canada, ranked monthly by the Milesopedia team.

What is an Air Canada Annual Worldwide Companion Pass?

The Air Canada Annual Worldwide Companion Pass is a pass that allows you to bring a guest on a trip at a low fixed price.

How to get an Air Canada Annual Worldwide Companion Pass?

A minimum of $25,000 in net purchases is required on certain premium credit cards.

When will I receive my Air Canada Annual Worldwide Companion Pass?

The Air Canada Annual Worldwide Companion Pass is deposited to the account until 10 weeks after the credit card anniversary date.

Do I have to pay the annual fee twice to get the Air Canada Annual Worldwide Companion Pass?

Yes, because it is a retention offer and the pass is deposited up to 10 weeks after the credit card anniversary date.

Is the Air Canada Annual Worldwide Companion Pass valid on a round-trip ticket?

Yes, it can be used on a round-trip or one-way ticket. In the case of a one-way ticket, there is no compensation for using it on a cheaper ticket.

Is it cheaper if I use the Air Canada Annual Worldwide Companion Pass on a one-way ticket?

No, the base fare will be the same.

How much does it cost to use the Air Canada Annual Worldwide Companion Pass?

The first passenger pays the full fare and the guest pays a fixed base fare + taxes and surcharges. The base fare is between $99 and $599 depending on the destination.

Can I use the Air Canada Annual Worldwide Companion Pass with Aeroplan points?

No, payment must be made in cash.

Can I book a business class flight with the Air Canada Annual Worldwide Companion Pass?

No, you can’t use the pass for high-end cabins. However, eUpgrade credits can be used for business class travel.

Can I use eUpgrade credits with the Air Canada Annual Worldwide Companion Pass?

Yes, it is possible to do so depending on the fare options of the tickets purchased.

Does the Air Canada Annual Worldwide Companion Pass have an expiry date?

Yes, it is valid for one year after the deposit to the account.

Is it possible to book beyond the expiry date of the Air Canada world companion pass?

Yes, the trip can be made after the pass has expired.

Can I transfer my Air Canada Companion Pass to another person?

No, it is not transferable and you must be one of the two people travelling.

What happens if I cancel a reservation with the Air Canada Annual Worldwide Companion Pass?

Fare class cancellation policy applies and the pass will be returned to the account; the original expiry date takes precedence and if the expiry date has passed, the pass will not be returned.

Can I change a ticket with the Air Canada Annual Worldwide Companion Pass?

Yes, according to your fare conditions and changes must be made for both passengers at the same time.

Do I earn Aeroplan points with the Air Canada Annual Worldwide Companion Pass?

Yes, according to your tariff conditions.

Do we lose the Air Canada Annual Worldwide Companion Pass if we cancel the credit card?

Yes, because the pass is linked to your card.

Our featured card

Annual fee
$599
Our valuation
$2,000

Milesopedia first-year estimateFirst-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
Apply Now

on TD's website

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.

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

Our editorial integrity

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