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TD Aeroplan Visa Infinite Privilege Review 2024: Is It Worth It?

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet Rating

NerdWallet CA

Best for: Travel enthusiasts who frequently fly Air Canada.

Anyone seeking a credit card that earns Aeroplan points and comes with luxurious travel perks will want to consider the TD Aeroplan Visa Infinite Privilege Card. Learn more about how we evaluate cards .

The TD Aeroplan Visa Infinite Privilege Card earns Aeroplan points with accelerated rates on dollars spent with Air Canada. The metal card carries a hefty annual fee but may be worthwhile for travel bugs seeking airport lounge access and comprehensive insurance coverage.  

TD® Aeroplan® Visa Infinite Privilege* Credit Card

• Annual Fee $599
• Interest Rates 20.99% / 22.99% 20.99% on purchases, 22.99% on cash advances.
• Rewards Rate 1.25x-2x Points Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®). Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases. Earn 1.25 points† for every $1 spent on all other purchases made with your Card.
• Intro Offer Up to 85,000 Points Earn up to 85,000 Aeroplan points: Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†. Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening†.
• Earn 2 points† for every $1 spent on eligible purchases made direct through Air Canada® purchases (including Air Canada Vacations®).
• Earn 1.5 points† for every $1 spent on eligible gas, grocery, travel and dining purchases.
• Earn 1.25 points† 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.
• Global Airport Lounge Access†: Receive a complimentary membership to the Visa Airport Companion† 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
• 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. Enjoy an additional 8th benefit at over 200 properties, exclusively for Visa Infinite Privilege cardholders.
• Travel Medical Insurance†: 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†: 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†: Up to $1,000 in coverage per insured person if your flight/trip is delayed for over 4 hours.
• Delayed and Lost Baggage Insurance†: 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†: 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).
• 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)†. Additional Cardholders can also take advantage of this NEXUS rebate.
• To be eligible, $150,000 annual personal income or $200,000 household annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• 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 any TD product, please click the Apply Now button.
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TD Aeroplan Visa Infinite Privilege vs American Express Aeroplan Reserve Card

• Rating methodology

TD Aeroplan Visa Infinite Privilege full review

The TD Aeroplan Visa Infinite Privilege Card is a travel rewards credit card that earns Aeroplan points. Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.

Benefits of the TD Aeroplan Visa Infinite Privilege

The TD Aeroplan Visa Infinite Privilege’s travel perks are its crown jewel. The card comes with unlimited Maple Leaf Lounge access across Canada and the U.S., priority boarding and baggage handling, discounted flight passes for travel companions, NEXUS rebates and more. 

» MORE: Best credit cards with airport lounge access

Drawbacks of the TD Aeroplan Visa Infinite Privilege

The $599 annual fee may be a dealbreaker for those considering the TD Aeroplan Visa Infinite Privilege Card. Another limiting factor? The steep annual income criteria. Applicants must have a personal annual income of at least $150,000 or an annual household income of at least $200,000 to qualify. 

Who should get the TD Aeroplan Visa Infinite Privilege?

Travellers and jet-setters who frequently fly with Air Canada stand to benefit most from the TD Aeroplan Visa Infinite Privilege Card. The card offers its highest earn rate on money spent on eligible Air Canada purchases, and some of its travel perks, like priority boarding and baggage handling, are only available on Air Canada flights.  

Is the TD Aeroplan Visa Infinite Privilege worth it?

The card carries a very hefty $599 annual fee that won’t make it a good fit for many consumers. However, the TD Aeroplan Visa Infinite Privilege Card may be worthwhile for those who frequently travel and fly Air Canada, as they will be best positioned to take advantage of this card’s numerous perks. 

TD Bank customer ratings

• Below average customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study.
• Low Trustpilot rating: 1.4 out of 5 possible stars based on over 2,000 customer reviews, as of this writing.
• Poor Better Business Bureau rating: 1.25 out of 5 possible stars based on 80 customer reviews, as of this writing. 

TD Aeroplan Visa Infinite Privilege eligibility

Who qualifies for the td aeroplan visa infinite privilege.

To qualify for the TD Aeroplan Visa Infinite Privilege Card, you must:

• Be a Canadian resident.
• Be at least the age of majority for your province or territory.
• Have a personal annual income of at least $150,000 or an annual household income of at least $200,000. 

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores , which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for. Want to learn more? Visit our “ What Credit Score is Needed for a Credit Card? ” page.

TD Aeroplan Visa Infinite Privilege rewards

Earn up to 85,000 Aeroplan points. 

• Get 20,000 points when you make your first purchase with your new card. 
• Get an additional 40,000 points when you spend at least $10,000 within your first six months of card membership. 
• Get a 25,000-point anniversary bonus when you spend at least $15,000 within the first year of card membership. 

Earn Aeroplan points at the following rates:

• 2 Aeroplan points per $1 spent on eligible Air Canada purchases.
• 1.5 Aeroplan points per $1 spent on groceries, gas, travel and restaurant purchases.
• 1.25 Aeroplan points per $1 spent on all other purchases.  

Points can be redeemed for flights, hotel stays, car rentals, merchandise, gift cards and more.

According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. That means that the TD Aeroplan Visa Infinite Privilege’s welcome offer of 85,000 Aeroplan points is worth about $1,896, depending on how you redeem your points. But this card’s true value resides in its travel perks. 

The TD Aeroplan Visa Infinite Privilege Card offers a slew of luxurious benefits. Cardholders get unlimited Maple Leaf Lounge access across Canada and the United States — a membership that would cost at least $375 annually to purchase outright. And the airport lounge access doesn’t end there. Cardholders receive an additional six airport lounge passes annually via the Visa Airport Companion Program for access to over 1,200 airport lounges worldwide.

The TD Aeroplan Visa Infinite Privilege Card also offers access to NEXUS rebates of up to $100 every two years.

The card comes with robust travel insurance, as well, including up to $5 million of travel medical coverage per insured person per trip. The extensive insurance could prove valuable if it ever needs to be put to use.

Point value breakdown

NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights. Based on our analysis, the average value of 1 Aeroplan point is worth 2.23 cents.

More specifically, you can expect to get around:

• 1.69 cents in value per Aeroplan point for economy class awards on Air Canada flights.
• 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.

How to apply for the TD Aeroplan Visa Infinite Privilege

The application process for the TD Aeroplan Visa Infinite Privilege Card can be completed online by visiting TD Bank’s website:

• Navigate to the TD Aeroplan Visa Infinite Privilege Card’s page and select Apply online.
• Review the card’s terms and conditions and select I Agree to continue. 
• Enter your full name, date of birth, phone number, email address and residential address.
• Tell TD Bank more about your employment status and finances, including your annual income and residential status.  
• Review your information and submit your application.

If you want a metal credit card that earns Aeroplan points, the TD Aeroplan Visa Infinite Privilege is far from your only option. For instance, the American Express Aeroplan Reserve Card charges the same annual fee ($599) and comes with comparable benefits, but it earns Aeroplan points at a higher rate.

Having trouble deciding? Check out our review of the American Express Aeroplan Reserve Card .

Reasons you might want a different card

The TD Aeroplan Visa Infinite Privilege Card may not be a practical fit if:

• You don’t fly Air Canada often.
• You want to earn a different type of reward, like cash back or Air Miles . 
• You want a credit card with no annual fee .

TD Aeroplan Visa Infinite Privilege facts

Rating methodology.

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.

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…

DIVE EVEN DEEPER

23 Best Credit Cards in Canada for April 2024

NerdWallet Canada’s picks for the best credit cards include top contenders across numerous card categories. Compare these options to find the ideal card for you.

Interest charges don’t need to be a mystery. Use our credit card interest calculator to see how much interest you’d owe if you carry a credit card balance.

Aeroplan vs. Air Miles: Differences and Alternatives

Aeroplan is usually an ideal choice for those who want to use points for Air Canada flights, while Air Miles is a better choice for those who want flexible point redemption options.

13 Best Aeroplan Credit Cards in Canada for 2024

The best Aeroplan credit cards in Canada earn points for Air Canada’s loyalty program on every purchase. Aeroplan points have an average value of 2.23 cents per point.

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• TD® Aeroplan® Visa Infinite Privilege* Review

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First , we provide paid placements to advertisers to present their offers. The payments we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market.

Second , we also include links to advertisers’ offers in some of our articles. These “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor.

While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof.

TD Aeroplan Visa Infinite Privilege Review 2024: A Travel Card With Tons Of Additional Benefits

Updated: Apr 9, 2024, 2:40pm

Fact Checked

The TD® Aeroplan® Visa Infinite Privilege* card is a top-of-the-line travel credit card. With some of the highest earning potential among comparable cards, and a bevy of additional benefits, including comprehensive travel insurance, this card can be well worth its staggering annual fee.

That said, people who don’t require the additional travel insurance benefits can likely find comparable cards with much lower annual fees, and higher net earnings. But, as it stands, this card is ideal for frequent flyers seeking extensive additional rewards.

• Extensive travel insurance benefits
• High Aeroplan earn rates
• Earns double the Aeroplan points on eligible Air Canada purchases (including Air Canada Vacations®)
• $599 annual fee
• $150,000 minimum personal income requirement
• $199 additional cardholder fee

Table of Contents

Introduction, quick facts, td aeroplan visa infinite privilege rewards, td aeroplan visa infinite privilege benefits, eligibility, how to apply for the td aeroplan visa infinite privilege card, ways to access your td credit card account, ways to pay with your td aeroplan visa infinite privilege card, how the td aeroplan visa infinite privilege stacks up, methodology, is the td aeroplan visa infinite privilege card right for you, advertiser’s disclosure, featured partner offers.

TD Cash Back Visa Infinite* Card

On TD’s Secure Website

Welcome Bonus

Up to $500 in value†

$139 (rebated in the first year, account must approved by June 3, 2024)

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

20.99% / 22.99%

TD® Aeroplan® Visa Platinum* Card

$89 (first year of annual fee rebated)

TD® Aeroplan® Visa Infinite Privilege* Card

Up to 85,000 Aeroplan points†

High-end perks while collecting Aeroplan points? Sign up for the TD Aeroplan Visa Infinite Privilege

• Earn up to $2,900 in value† including up to 85,000 Aeroplan points (enough for a round trip to Honolulu†) and additional travel benefits. Conditions Apply. Account must be approved by June 3, 2024.
• Earn a welcome bonus of 20,000 Aeroplan points when you make your first purchase with your new card†.
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening†.
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 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.

The TD Aeroplan Visa Infinite Privilege card offers a wide array of benefits out of the many Aeroplan cards on the market. In addition to a generous welcome bonus, the card has commendable earning potential. Every $1 spent earns 1.5 points on common purchases, namely gas, groceries, travel and dining. With groceries being at peak prices due to inflation, you can expect to earn more points in this economic climate.

Though the $599 fee is high, cardholders have access to many travel-enhancing benefits including complete travel insurance (medical, flight cancellation, baggage, etc.) and up to 28 days of auto rental collision coverage. Cardholders that spend $25,000 annually can purchase a companion pass for their travel partner starting at $99. Perks like these make the higher than average annual fee worth the cost.

• Each dollar spent earns 2 points on Air Canada specific purchases, 1.5 points on gas, dining, travel and grocery purchases and 1.25 points on all other purchases.
• Redeem points for vacations, merchandise, gift cards, hotels and activities.
• Earn double the Aeroplan points by purchasing items with your card and presenting your Aeroplan member number to Aeroplan partner brands—or online through the Aeroplan eStore.

Earning rewards

The TD Aeroplan Visa Infinite Privilege card has robust earning potential with Air Canada direct purchases earning 2 points per dollar; gas, dining, groceries and travel purchases earning 1.5 points; and all other purchases earning 1.25 points per dollar. Compared to other Aeroplan cards, users can expect to earn points at a much faster rate as few other cards have staple purchases (for example, groceries ) at a mid-tier earn rate.

Keep in mind that there is a purchasing cap of $100,000 annually across all categories. Once that limit is reached, all purchases will only earn 1.25 points. Still, a solid base rate.

Plus, there are ways to earn even more points even faster by adding up to three additional cardholders without paying an annual fee. They may receive many of the same benefits you will as the primary cardholder, including purchase security and extended warranty protection, visa zero liability, travel medical insurance, trip cancellation/trip interruption insurance, delayed and lost baggage insurance, mobile device insurance, hotel/motel burglary insurance and even a TD Auto Club Membership. You can also earn extra points at a rate of 1.25 per dollar by setting up recurring bill payments.

If you really want to see how many points you can earn in the first year, TD helps you out with a points calculator where you can use a slider to figure out how much you spend annually in the various purchase categories with accelerated earn rates each month on top of the welcome bonus of 20,000 provided you meet all the spending requirements.

In addition to rewards, cardholders will earn 1,000 Status Qualifying Miles (SQM) and one Status Qualifying Segment (SQS) for every $5,000 charged to the card in net purchases made by the primary or additional cardholders, which earns the primary cardholder additional benefits on Air Canada flights when they reach Elite Status.

Redeeming Rewards

Cardholders can redeem their points on the Air Canada or Aeroplan websites. Options for redemption include flights, flight upgrades, hotels , car rentals, vacation packages or merchandise. Users can also donate their points to a charity of their choice.

The Aeroplan program in general offers decent flexibility when it comes to redeeming points, since users can also use a combination of points and cash.

It is worth noting that Aeroplan points do not necessarily have a fixed dollar value when redeeming them for flights. The value of your points for a flight booking depends on multiple factors such as market value, distance and demand. Cardholders looking to make strategic redemption choices will need to pull out a calculator—for better or worse.

Your points can take you many different places. Air Canada will fly you to over 200 destinations and to over 1,300, together with over 30 airline partners. The Aeroplan homepage also has a points predictor tool where you can see exactly what your points will earn you. Plus, if you’re the primary cardholder, it will take fewer Aeroplan points to get to your destination when you book through aircanada.com.

Rewards Potential

With a $599 annual fee—one of the highest on the Aeroplan card market—one would expect high rewards potential. Based on average Canadian spending, Forbes Advisor estimates cardholders earning a total of $377.71 after subtracting the annual fee. Compared to lower-cost cards, such as the TD Aeroplan Visa Platinum card with an approximate return of $360.80, cardholders should not expect this credit card to have the highest net earning potential among competitors. That said, it’s based on average annual spending, so big spenders might find more rewards value overall.

However, though the card may have moderate rewards potential, its extra benefits, such as travel insurance and priority perks, solidify its place as a high-value card to have for Canadian flyers.

Card Benefits

• Earn a $99 (minimum fee) round-trip companion pass by spending $25,000 annually.
• Access to priority check-in, boarding, baggage handling and airport standby for the cardholder and up to eight companions.
• Full suite travel insurance, including medical coverage up to $5 million for the first 31 days of a trip.

Air Canada Travel Benefits

• Annual Worldwide Companion Pass. As the Primary Cardholder,. you get a companion pass automatically on your Card anniversary if you have spent $25,000 on net purchases and you can buy a companion ticket on flights for $99 on an annual round-trip.
• Priority check-in. You and up to eight travelling companions will receive priority check-in for any trip originating on an Air Canada flight.
• Priority boarding. You get on your flight first every time.
• Priority stand-by. If your put on stand-by, you’ll be the first to be called when seats become available.
• Priority baggage handling.  You and up to eight travelling companions will see your bags among the first on the carousel at baggage claim.
• Priority upgrades.  Be the first to be called upon for upgrades.
• Maintain Aeroplan Elite Status more easily. 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 towards the next qualifying status the next year.
• Enjoy eUpgrades longer.  Primary cardholders that will get Aeroplan Elite Status just by virtue of having this card will also be able to roll over up to 50 Air Canada eUpgrades into the next status year. However, to qualify, you must be approved for the card by December 15th of the current calendar year.
• Complimentary upgrade to Avis President’s Club.  Get two car-class upgrades, a dedicated phone line, expedited service and more just because of this included Avis President’s Club upgrade.

Exclusive Benefits

• Complimentary Visa Infinite Concierge.  Available 24/7, wherever you are with your card, the concierge can fulfill nearly any request, including making hard-to-get reservations, booking tickets, reserving car rentals and more.
• Global Airport Lounge Access.  A complimentary membership in the Visa Airport Companion Program by DragonPass, which entitles each cardholder to six free visits to over 1,200 airport lounges worldwide per year.
• Visa Infinite Privilege Airport Benefits. Receive exclusive perks at Toronto City Airport Terminal, Vancouver Airport, Ottawa Airport and Montreal-Trudeau International Airport, including priority security lanes at domestic and international terminals, priority airport limo and airport taxi lane and 20% off parking.
• Access to exclusive dining events.  These events are hosted by reputable chefs and come with notable wine pairings.
• Seven exclusive hotel benefits. These include late checkout, free Wi-Fi, room upgrades and more when you book through Visa’s Luxury Hotel Collection.
• Access to special events, screenings, wine tastings and golf courses and lessons.  These are from the Visa Infinite Screening Series, the Visa Infinite Wine Country Program and platinum status with Troon Rewards at golf courses around the world.
•  Visa RSVP Rewards Benefit . Enroll  a nd automatically receive Diamond status delivering benefits at over 60 participating Sandman, Sandman Signature and Sutton Place Hotels across Canada and internationally.

Travel Benefits

• Travel medical insurance.  $5 million coverage for the first 31 days. If you or your spouse is aged 65 or older, you are covered for the first four days of your trip. Plus, additional top-up coverage is available if you need it.
• Trip cancellation/interruption. Up to $2,500 per person to a combined maximum of $5,000.
• Flight/Trip delay insurance.  Up to $1,000 in coverage when your flight is delayed up to four hours.
• Delayed and Lost Baggage Insurance . Up to $1,000 of coverage per insured person for the purchase of essentials, such as clothing and toiletries, when your flight is delayed up to four hours. Up to $2,500 in coverage per person for lost baggage.
• Common Carrier Travel Accident Insurance.  Up to $500,000 in coverage for covered losses on common carriers, such as a plane, bus, train, ferry or vehicle rental.
• Auto Rental Collision/Loss Damage Insurance.  Up to 48 consecutive days of coverage.
• Emergency Travel Assistance Services.  A toll-free contact number for  personal emergency help when travelling.
• NEXUS application fee rebate.  An application fee rebate up to $100 every 48 months for priority and expedited passage across the U.S.-Canada border.
• Hotel/Motel burglary insurance. Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel/motel room that belong to the Cardholder or eligible family members travelling with them.

Partner Benefits

• Avis Rent A Car or Budget Rent A Car. Save a minimum of 10% off the lowest available base rates in Canada and the U.S., and a minimum of 5% off the lowest available base rates internationally, on qualifying car rentals at participating Avis and Budget locations.
• Rocky Mountaineer. Earn 2 Aeroplan points for every dollar spent on eligible purchases with Rocky Mountaineer.
• Starbucks. Earn 50% more Aeroplan points and 50% more Starbucks Rewards Stars at participating Starbucks stores. Simply link your card to your Starbucks® Rewards account. Conditions apply.

Security Benefits

• Chip & PIN technology. Prevents unauthorized use of the card.
• TD Fraud Alerts. You can automatically receive TD Fraud Alerts to your mobile phone any time we suspect suspicious activity on your card or the card of any additional cardholder
• Visa Secure.  Extra convivence and security when you shop online.
• Cash Advances. You can ask for an emergency cash advance in an amount up to $5,000 (subject to your credit limit).
• Mobile device insurance. Up to $1,500 of coverage in the event of loss, theft, accidental damage or mechanical breakdown for eligible mobile devices.
• Purchase Protection and Extended Warranty.  Get purchase protection if your purchase is lost, stolen or damaged within 120 days of buying it and if there’s a one-year warranty on the product, it will be doubled up to 24 months.
• Manage your card from the TD app. Lock your card and restrict international purchases from the TD app.

Optional Benefits

• Optional TD Auto Club Membership.  Chose from deluxe, standard and business TD Auto Club memberships, which includes 24/7 emergency roadside and towing assistance. Depending on the level chosen, you may receive meals and accommodations or not and towing distance restrictions or not.
• Optional TD Credit Card Payment Protection Plan. The optional TD Credit Card Payment Protection Plan is designed to help you deal with your TD Credit Card payment obligations when you lose your job, become disabled, or die.

Interest Rates

• Regular APR: 20.99%
• Cash Advance APR: 22.99%
• Balance Transfer APR: 22.99%
• Cash Advance fee: 22.99%
• Balance Transfer fee: 3%
• Foreign Transaction Fee: 2.5%
• Annual Fee: $599
• Any other fees: $199 to add an additional cardholder

To be eligible for the TD Aeroplan Visa Infinite Privilege, you need to fulfill the following requirements.

• You are a Canadian resident and are of the age of majority in your province/territory of residence.
• Have $150,000 annual personal income or $200,000 annual household income.
• Have a valid email address for digital transactions.
• You can be approved for a credit limit of at least $10,000.

If you are looking to apply for the TD Aeroplan Visa Infinite Privilege Card, follow the steps below once you navigate to the TD Bank website.

• Make sure you fulfill all eligibility requirements.
• Click “Apply” on the TD Aeroplan Infinite Privilege landing page.
• Review the terms and conditions and click “I Agree” to continue.
• Enter your full name, date of birth, phone number, email address and residential address.
• Fill out your employment status, annual income and confirm your residential status
• Review your information and submit your application.

There are several ways to access your TD credit account with the following services:

• EasyWeb (TD’s online banking interface)
• EasyLine (TD’s telephone banking interface)

There are several payment options that are built into the TD Aeroplan Visa Infinite Privilege Card that you can take advantage of.

• Set up regularly recurring bill payments on your account. Save time and avoid late fees by ensuring bills will always be paid on time automatically. Plus, earn 1.25 Aeroplan points for every dollar on regularly recurring bill payments on your account.
• Apple Pay. If you have an iPhone, just a tap of your device to make a payment at participating merchants.
• Samsung Pay. If you have a Samsung Galaxy phone, just a tap of your device to make a payment at compatible merchants.
• Google Pay. If you have an Android phone, make everyday purchases by just tapping your device at merchants that have Google Pay advertised.
• Add your Card as the primary card on your favourite apps. From food delivery to transportation apps, earn Aeroplan points on purchases made through those apps on your phone.

TD Aeroplan Visa Infinite Privilege vs. American Express Aeroplan Card

Both of these cards are travel-specific cards and carry similar earning potential: both cards earn two times the points on Air Canada purchases and 1.5 points per dollar for dining. Visa’s card comes ahead in terms of earnings, as its lowest base rate is 1.25 points compared to Amex’s 1 point.

Conversely, the American Express Aeroplan Card® carries a much lower annual fee of $120—while still offering various types of travel insurance. However, the TD Aeroplan Visa Infinite Privilege comes with more robust coverage, making the higher annual fee an investment with solid returns—so long as they are utilized.

TD Aeroplan Visa Infinite Privilege vs. CIBC Aeroplan Visa Infinite Privilege Card

As both of these cards come with identical benefits through the Visa Infinite Privilege program, this comparison comes down to the wire. Both cards carry a high $599 annual fee, but CIBC’s can have $139 of it rebated every year—so long as you open a CIBC Smart Plus Account.

Both cards have identical earning potential across tiers and categories (e.g. both offer 1.5 points for grocery spending), but TD’s Visa card comes with a higher welcome bonus amount. New customers can earn up to 85,000 Aeroplan points† in the first year. CIBC on the other hand, is currently offering up to 80,000 Aeroplan points in the first year.

Taking into account the fact that both have identical earnings but dissimilar welcome offers, rebate options and that TD’s equivalent has less stringent credit rating requirements, we think TD’s offering comes out slightly ahead.

TD Aeroplan Visa Infinite Privilege vs. TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite* card is TD’s travel card for those that don’t meet the stringent income requirements for the Visa Infinite Privilege. It comes with a much lower fee of $139 per year, but has limited earning potential: the top-tier earnings are 1.5 points per dollar compared to 2, and a base rate of 1 points per dollar compared to 1.25. Moreover, the lower-tier card carries less travel benefits coverage ( for example, $2 million medical insurance vs. $5 million). Another major difference is the lack of worldwide companion pass for $99 and up—that’s savings TD Aeroplan Visa Infinite cardholders are missing out on.

Setting aside the travel coverage and other benefits, if you’re simply looking for a card with a high net-earning potential without bells and whistles, TD’s Aeroplan Visa Infinite card is a good match.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With rewards, the scoring model used takes into account factors such as, but not limited to, rewards rates and 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.

TD’s premium Visa travel card comes with substantial travel benefits for frequent flyers, but at a steep price. Its earning potential is high compared to competitors, but the price tag warrants use of the card’s additional benefits (e.g. travel insurance, companion pass) to increase its rate of return relative to costs. Consumers looking to earn Aeroplan points at a similar rate without the extra bells and whistles that accompany a high fee, will find other less-expensive cards more useful.

Related : Find the Best Credit Card for Canadians

Featured Partner Offer

Frequently asked questions (faqs), is the td aeroplan visa infinite privilege card worth it.

For some. If you’re a low spender who doesn’t travel often, I’d probably skip this card. However, it’s a must-have for frequent flyers. To make the best use of the card given its high fees, it’s best to utilize its many travel benefits, such as travel insurance, rental car insurance and the like.

Do you get lounge access with the TD Aeroplan Visa Infinite Privilege?

Yes. Cardholders have free access to Air Canada’s Maple Leaf Lounge. The primary cardholder also receives a complimentary membership to the Visa Airport Companion Program, allowing them to take six complimentary lounge visits—per year—at select airports†

What is the income requirement for the TD Aeroplan Visa Infinite Privilege?

The income requirements are $150,000 annual personal income or $200,000 annual household income, respectively.

*Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.

† Terms and Conditions Apply

Brett Surbey is a corporate paralegal and writer based out of Alberta. His work has appeared in Publishers Weekly, Thrive Insider, and various academic journals. He lives with his wife and two children.

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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. Get $50 gift card upon approval with Ratehub.ca.

4 annual passes to 1,300 lounges globally. Plus get a $50 cash bonus upon approval with Ratehub.ca.

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 April 2, 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 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening. Conditions apply. Account must be approved by June 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 25,000 Aeroplan points when you spend at least $15,000 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

• Annual fee: $
• 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
• 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: % on purchases, % on cash advances, % 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.

Table of contents

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

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About Sandra MacGregor

10 credit cards that offer Priority Pass airport lounge access

Update : Some offers mentioned below are no longer available. View the current offers here .

Accessing an airport lounge can make traveling much more enjoyable by providing a quiet space to work, free Wi-Fi, complimentary food and drinks and sometimes even top-tier amenities like showers, kids' areas and quiet rooms.

While you typically have to pay for access to airport lounges, several of the best travel rewards credit cards include airport lounge access among their many benefits.

Some airline credit cards , such as the Citi® / AAdvantage® Executive World Elite Mastercard® (see rates and fees ) and the United Club℠ Infinite Card , only get you into their own carriers' lounges.

Others, however, including The Platinum Card® from American Express , the Chase Sapphire Reserve® and the Capital One Venture X Rewards Credit Card , allow cardholders to register for Priority Pass Select memberships and enjoy access to over 1,500 airport lounges worldwide that participate in Priority Pass (enrollment is required). Unfortunately, those with Priority Pass Select membership through an Amex or personal Capital One card do not enjoy benefits, such as statement credits toward food and drink purchases, at restaurant locations that participate in Priority Pass.

With all that in mind, here are the best credit cards for Priority Pass lounge access at airports across the globe and how you can use them to make your upcoming travels even better.

What is Priority Pass?

Priority Pass is a network of over 1,500 lounges, Minute Suites, Be Relax Spas and even some restaurants . You can find them at over 600 airports in more than 150 countries. Many of Priority Pass's participating locations are outside the U.S., though you can find outposts in major airports like Atlanta (ATL), Chicago O'Hare (ORD), Dallas-Fort Worth (DFW), New York-JFK and San Francisco (SFO), among many others.

Some lounges, specifically, that are part of Priority Pass are actually airline-specific lounges belonging to carriers like Air France-KLM, British Airways, Lufthansa or Turkish Airlines, while others are not associated with a specific carrier. If in doubt, check the airports where you'll be flying ahead of time on the Priority Pass site to see which options might be available to you and what amenities they have.

Which are the best credit cards for Priority Pass lounge access?

The following cards offer Priority Pass lounge access, though the number of visits included and guest policies can vary widely:

• Capital One Venture X Rewards Credit Card

Capital One Venture X Business

Chase sapphire reserve.

• Citi Prestige® Card
• The Platinum Card® from American Express
• The Business Platinum Card® from American Express
• Marriott Bonvoy Brilliant® American Express® Card

U.S. Bank Altitude Reserve Visa Infinite Card

• U.S. Bank Altitude® Connect Visa Signature® Card
• Bank of America® Premium Rewards® Elite credit card

The information for Citi Prestige, U.S. Bank Altitude Connect Visa Signature, U.S. Bank Altitude Connect Visa, and Bank of America Premium Rewards Elite cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Enrollment is required for select benefits.

Related: The best Priority Pass lounges in the world

Comparing benefits of credit cards with Priority Pass access

Here are the details on each card, along with current welcome bonuses, annual fees and other notable perks:

Related: Best credit cards for airport lounge access

Credit cards with Priority Pass memberships

Now that we've gone over the Priority Pass-specific perks of each card, here are some of the other compelling benefits each offers.

Capital One Venture X

Capital One's premium travel credit card packs a punch. First, it offers $300 in annual credits toward bookings made through Capital One Travel . Then, you also get 10,000 bonus miles every account anniversary (worth even more toward free travel). Both of these perks help offset the card's $395 annual fee (see rates and fees ).

Add in extensive airport lounge access (including Capital One's own lounges and Priority Pass Select), plus excellent travel protections and rental car insurance, and we're talking about one of the best premium cards out there. It is worth noting, however, that Priority Pass membership from Venture X does not include Priority Pass restaurants and spa services .

On a more positive note, cardholders get unlimited Priority Pass lounge guest access (subject to capacity constraints).

Related: Capital One Venture X Card review .

The Venture X Business card offers many of the same benefits as the Venture X card, including $300 in annual credits for bookings made with Capital One Travel , 10,000-anniversary bonus miles and access to Capital One lounges . You'll also receive unlimited visits to Priority Pass lounges — plus a benefit the Venture X card doesn't offer: access to Priority Pass restaurants .

Related: Capital One Venture X Business review .

The Chase Sapphire Reserve is one of the most popular premium travel rewards credit cards , thanks to its impressive list of benefits. Notably, cardholders receive up to $300 in annual statement credits for a wide range of travel purchases .

The card earns 3 points per dollar on travel and dining and also earns bonuses in the following categories:

• 10 points per dollar on Chase Dining booked through Ultimate Rewards
• 10 points per dollar on hotel and car rental purchases made through Chase's Ultimate Rewards travel portal
• 10 points per dollar on qualifying Lyft rides (through March 2025 )
• 10 points per dollar on Peloton equipment and accessory purchases of $150 or more (through March 2025, up to 50,000 points)
• 5 points per dollar on airline travel booked through the Ultimate Rewards travel portal

Ultimate Rewards can be transferred to 11 airlines and three hotel partners . Points may also be redeemed at a rate of 1.5 cents apiece through the Chase Ultimate Rewards travel portal .

The card reimburses members up to $100 once every four years for a Global Entry or TSA PreCheck application and waives foreign transaction fees .

Official application link: Chase Sapphire Reserve with 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

The Platinum Card from American Express

In addition to Priority Pass lounges, cardholders have access to Amex's own Centurion Lounges , Delta Sky Clubs *, Escape, Airspace, Plaza Premium and certain Lufthansa lounges. However, Amex Priority Pass memberships cannot be used for non-lounge Priority Pass experiences such as restaurants. Enrollment is required for select benefits.

The card earns 5 points per dollar on airfare booked directly with the airline or with American Express Travel (on up to $500,000 on these purchases per calendar year) and prepaid hotels booked with American Express Travel. Cardholders can transfer Membership Rewards points to 20 airline and hotel partners .

The card also comes with a laundry list of perks , including an annual up to $200 statement credit on incidental fees charged by an airline you select each calendar year and up to $200 in annual Uber Cash toward U.S. Uber rides and U.S. Uber Eats orders, among other credits that provide more than $1,500 in potential value each year.

Cardholders qualify for a Global Entry or TSA PreCheck application fee refund of up to $100 once every four years (4½ years for PreCheck). Booking stays through Amex Fine Hotels + Resorts includes plenty of value-added benefits, and cardholders can register for both Gold status with Hilton Honors and Gold Elite status with Marriott Bonvoy . Bookings made through Amex's International Airline Program can secure deep discounts on premium economy, business- and first-class tickets on over a dozen airlines, too. Enrollment is required for select benefits.

*Effective February 1, 2025: Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.

Official application link: The Platinum Card from American Express with 80,000 bonus points after you spend $8,000 on purchases in the first six months of card membership.

The Business Platinum Card from American Express

The Business Platinum Amex offers a host of annual statement credits, including up to $400 for Dell technology U.S. purchases , an up-to-$120 annual wireless telephone credit and much more. Enrollment required for select benefits.

Cardholders earn 1.5 points per dollar on up to $2 million in eligible purchases in the U.S. per calendar year with:

• Electronic goods retailers
• Cloud service providers
• Construction materials and hardware supplies
• Shipping providers
• Other purchases of $5,000 or more

They also receive a 35% rebate when redeeming points through Amex Pay with Points for airfare on their designated airline (enrollment is required) or specifically for business- or first-class tickets on select qualifying airlines booked on Amex Travel, up to 1 million points back per calendar year.

The Business Platinum Card offers the same lounge benefits as the Amex Platinum Card above, including the same limitation on not visiting Priority Pass restaurants .

Official application link: The Business Platinum Card from American Express with 150,000 points after you spend $20,000 on eligible purchases with the card within the first three months of card membership.

Citi Prestige

Unfortunately, the Citi Prestige is no longer available to new applicants. However, it earns a phenomenal 5 points per dollar at restaurants and on air travel, 3 points per dollar at hotels and cruise lines , and 1 point per dollar on all other purchases. Cardholders are eligible for up to $250 worth of annual statement credits each calendar year toward travel purchases.

Citi ThankYou Rewards points can be transferred to over a dozen airline and three hotel partner programs and are worth 1 cent apiece when redeemed directly for travel through the Citi portal. Cardholders can book a fourth night free on up to two hotel stays per year when reserving through the Citi concierge. They're also eligible for a Global Entry or TSA PreCheck application fee reimbursement once every five years.

Related: Citi Prestige card review

Marriott Bonvoy Brilliant American Express Card

This card accrues 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program, 3 points per dollar at worldwide restaurants and on flights booked directly with airlines and 2 points per dollar on other eligible purchases.

Cardholders get up to $300 in statement credits each year of card membership for purchases at restaurants worldwide. They also receive automatic Marriott Platinum Elite status plus 25 elite night credits per year toward reaching a higher tier. Each cardmember anniversary after renewal gets a free night award worth up to 85,000 points at hotels participating in the Marriott Bonvoy program (certain hotels have resort fees). Special cardmember rates on stays of two nights or more at The Ritz-Carlton or St. Regis properties are eligible for up to $100 in credit for qualifying charges.

Finally, this card offers a Global Entry or TSA PreCheck application reimbursement worth up to $100 once every four years (4½ years for PreCheck).

Official application link: Marriott Bonvoy Brilliant American Express with 185,000 Marriott Bonvoy bonus points after you spend $6,000 in purchases on the card in your first six months.

This card earns 5 points per dollar on prepaid hotels and car rentals booked directly in the Altitude Rewards Center, 3 points per dollar on travel and mobile wallet purchases and 1 point per dollar on everything else.

Cardholders can redeem points for 1.5 cents apiece on airfare, hotels and car rentals (or lower values for other purchases). They can also count on reimbursement for a Global Entry or TSA PreCheck application once every four years (up to $100).

Finally, this card comes with up to $325 in statement credits per cardmember year for purchases made directly from airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines, as well as takeout, food delivery and dining.

Related: The best U.S. Bank credit cards

U.S. Bank Altitude Connect Visa Signature Card

The Altitude Connect Visa added Priority Pass benefits in February 2023. It's rare to see a card with a sub-$100 annual fee offering lounge perks, but note that you'll only get four complimentary visits per year. Each visit after that costs $35.

You'll earn 5 points per dollar on prepaid hotels and car rentals booked in the Altitude Rewards Center; 4 points per dollar on travel, gas stations and EV charging stations; 2 points per dollar at grocery stores, grocery delivery, dining and streaming services; and 1 point per dollar on other purchases. Cardholders also get up to $30 in annual credits toward eligible streaming subscriptions.

Additional cardholder benefits include reimbursement for your Global Entry or TSA PreCheck application fee (once every four years) and cellphone protection of up to $600 for theft or damage. To activate this benefit, the phone must be on a plan you pay for each month with your card.

Bank of America Premium Rewards Elite Credit Card

With Bank of America's Premium Rewards Elite card, you'll earn 2 points per dollar spent on travel and dining and 1.5 points per dollar on other purchases. However, you can earn up to 75% more on each purchase as a member of Bank of America's Preferred Rewards program .

Cardholders can take advantage of a 12-month Priority Pass Select membership to access over 1,400 lounges within the Priority Pass network, while also being able to bring in two guests at no cost. A unique perk of this benefit is that Bank of America allows up to four authorized users to enroll and receive Priority Pass Select membership. Additional benefits for the cardmember are up to $300 in airline incidental fee credits per year, up to $150 in annual lifestyle credits for things like streaming services and food delivery and reimbursement for your Global Entry or TSA PreCheck application fee every four years. You'll also receive a 20% discount when paying for flights with points using this card.

Bottom line

Accessing an airport lounge before your flight can be a great perk. Rather than paying for each visit, you can use popular travel credit cards to unlock access ahead of your trips regularly — and in many cases, this includes guest privileges, too.

Priority Pass is a great option for frequent travelers, thanks to its vast worldwide network of airport lounges and other facilities such as restaurants. Carrying a credit card that enables you to enroll in Priority Pass Select membership for free and enjoy lounge visits can be a great way to save money and make your travel experience that much better. If that sounds like you, consider adding one of the cards above to your wallet.

Related credit card guides:

• Best credit cards for airport lounge access
• Best airline credit cards
• Best rewards credit cards

For rates and fees of the Amex Platinum card, click here . For rates and fees of the Amex Business Platinum card, click here. For rates and fees of the Marriott Bonvoy Brilliant card, click here.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

• Credit cards

TD Aeroplan Privilege Visa Infinite Card Offer: Up To 85,000 Points †

TD Aeroplan Visa Infinite Privilege Card - Welcome Offer

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card , you can earn up to 85,000 Aeroplan points † :

• 20,000 Aeroplan points when you make your first purchase with your new card †
• Earn an additional 40,000 Aeroplan points when you spend $10,000 within 180 days of Account opening †
• Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $15,000 within 12 months of Account opening †
• $100 NEXUS fee rebate †
• Access to Air Canada Maple Leaf lounge †
• 6 annual visits to airport lounge members of the Visa Airport Companion † Program hosted by Dragonpass International Ltd.
• Up to eight passengers 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 †

It’s the best TD credit card for Air Canada frequent flyers.

With the TD® Aeroplan® Visa Infinite Privilege* Credit Card , you earn 1.5 points † per dollar for:

• Grocery stores
• Gas stations
• travel purchases
• Dining purchases

And 2 points † per dollar for Air Canada, including Air Canada Vacations . Everywhere else, you’ll get 1.25 points † per dollar.

Welcome Bonus in Aeroplan Points

This is an excellent welcome offer in Aeroplan Points for this premium Aeroplan credit card. Based on our valuation of Aeroplan points (2 cents per point), this welcome bonus corresponds to an approximate value of $1,700 .

This welcome offer is divided into three parts.

First, you’ll earn 20,000 Aeroplan Points on your first purchase with your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card . This is the fastest part of the offer: the 20,000 Aeroplan Points will be credited to your Aeroplan account after your first statement is issued, showing your first purchase.

Second, you’ll earn 40,000 Aeroplan Points after spending $10,000 within 180 days of account opening. You have six months to achieve this goal. This represents an average of $1,667 in purchases per month.

In six months, you’ll have earned 60,000 Aeroplan points .

Finally, to earn an additional 25,000 Aeroplan points , you must meet two conditions:

• Spend $15,000 in the first 12 months (this includes the $10,000 spent in the first six months: you only have to spend an additional $5,000 on your card)
• Renew the card for a second year (this is an anniversary bonus)

It’s an Aeroplan credit card accompanying me on many trips (and it gives me complimentary access to Air Canada’s Maple Leaf Lounges)!

TD Aeroplan Visa Infinite Privilege Card - Air Canada Benefits

Access to air canada maple leaf lounges.

As a TD ® Aeroplan ® Visa Infinite Privilege* Credit Card holder, you have complimentary access to all Air Canada (and Café Air Canada) Maple Leaf lounges in North America when travelling with Air Canada or a Star Alliance partner.

This benefit is reserved for the primary TD ® Aeroplan ® Visa Infinite Privilege* Credit Cardholder . Until December 31, 2024, the primary cardholder and additional cardholders can each offer one guest complimentary access to the same Maple Leaf or Air Canada Café lounge.

Free first checked bag

As a TD ® Aeroplan ® Visa Infinite Privilege* Credit Cardholder , you get the first free checked bag for you and up to 8 passengers on the same reservation for travel starting with Air Canada.

This is a significant saving, especially for families and frequent travellers!

Priority check-in

With your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card , you can benefit from priority check-in for you and up to 8 passengers being on the same reservation for travel starting with Air Canada.

No more waiting in line at the airport to check in your luggage!

Priority Baggage Handling

Checking in your luggage? With your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card, you can benefit from priority baggage handling for you and up to 8 passengers on the same reservation when travelling on Air Canada.

Your luggage will be among the first on the carousel upon arrival, and you will be able to exit the airport quickly.

Priority online check-in

Would you like to be the first to board the plane (and secure a place for your carry-on bag)? With your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card, you can enjoy priority boarding (Zone 2 ) for you and up to 8 passengers on the same reservation when travelling on Air Canada.

Priority Airport Standby & Priority Airport Upgrades

Did you know that you can request for Same-Day Standby to board an earlier flight when you are at the airport? With your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card , you can enjoy priority stand-by for you and up to 8 passengers on the same reservation when travelling on Air Canada.

This way, you will have priority access to seats that become available to leave earlier.

Similarly, suppose you have Aeroplan Elite status in addition to your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card . In that case, you’ll be privileged over other members of the same status who don’t have the card in airport upgrades thanks to the Priority Upgrades benefit.

Benefits for your Aeroplan Elite Status

With your TD ® Aeroplan ® Visa Infinite Privilege* Credit Card, you can earn your Aeroplan Elite status faster (or keep it easier) :

• Earn SQM and SQS 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 .
• SQM Rollover 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.
• eUpgrade Credits : 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.

TD Aeroplan Visa Infinite Privilege Card - Other Travel Benefits

Six dragonpass airport lounge visits.

Not flying with Air Canada or no Air Canada Maple Leaf Lounge at the airport you are in? With the TD ® Aeroplan ® Visa Infinite Privilege* Credit Card, you’ll access over 1,200 airport lounges worldwide with complimentary membership to the Visa Airport Companion program presented by DragonPass and six complimentary annual visits .

For example, the National Bank Lounge or the Air France Lounge at Montreal-Trudeau are members of DragonPass.

Visa Infinite Privilege benefits at the airport

As a TD ® Aeroplan ® Visa Infinite Privilege* Credit Cardholder , you will enjoy all the benefits reserved for Visa Infinite Privilege credit card holders at Canadian airports, including:

• Fast-track through security in Montreal (YUL), Toronto (YYZ and YTZ), Vancouver (YVR), Ottawa (YOW)
• Vancouver Limousine and Priority Taxi Service (YVR)
• Reserved parking spaces in Ottawa (YOW) and Vancouver (YVR)
• Up to 20% discount on parking in Montreal (YUL), Ottawa (YOW) and Vancouver (YVR)

Visa Infinite Luxury Hotel Collection

As a TD ® Aeroplan ® Visa Infinite Privilege* Credit Card holder, you can access the Visa Infinite Luxury Hotel Collection and enjoy numerous benefits at over 900 hotels worldwide:

• Guaranteed best available rate
• Automatic room upgrade upon arrival, subject to availability
• Free Internet access, subject to availability
• Free breakfast for two every day
• A $25 USD credit for meals or beverages
• Guest of honor status
• Late check-out on request, if available

$100 NEXUS Fee rebate

As a TD ® Aeroplan ® Visa Infinite Privilege* Credit Card , you’ll receive a $100 rebate on your NEXUS membership. With travel resuming in 2022, it is even more helpful to get NEXUS to cross the U.S. border and return to Canada. This allows you to avoid long lines at customs!

Also, it allows you to go through the expedited security lines at some Canadian airports (and TSA Precheck in the U.S.).

Visa Infinite Concierge

As a TD ® Aeroplan ® Visa Infinite Privilege* Credit Cardholder , you benefit from a complimentary Visa Infinite Concierge Service available at the following numbers:

• Call toll-free from Canada or the United States at 1-855-822-1240
• Call from outside Canada and the United States at 1-303-967-1036

Golf: Platinum Troon Rewards status

By holding the TD ® Aeroplan ® Visa Infinite Privilege* Credit Card , you will receive Platinum status in Troon Rewards at over 150 golf clubs and 20% off green fees, merchandise and course fees at participating Troon Rewards golf clubs.

Also, you can get access to over 25 private clubs in the United States for only $99 USD per round.

TD Aeroplan Visa Infinite Privilege Card - Insurance

Here are the insurance coverages offered by the TD ® Aeroplan ® Visa Infinite Privilege* Credit Card :

TD Aeroplan Visa Infinite Privilege Card - Summary

Here’s a summary of the exceptional welcome offer and features of the TD ® Aeroplan ® Visa Infinite Privilege* Credit Card :

† Terms and conditions apply.

TD Aeroplan Visa Infinite Privilege Card - Conclusion

Take advantage of this exceptional offer from TD Bank to get the TD ® Aeroplan ® Visa Infinite Privilege* Credit Card !

Have you just applied to the TD ® Aeroplan ® Visa Infinite Privilege* Credit Card ? Read our article on how to get started with this Aeroplan credit card .

All posts by Jean-Maximilien

Suggested Reading

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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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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Stepping into an airport lounge from the chaotic main terminal can feel like stepping onto dry land from a whitewater raft. It evokes a feeling of peace, tranquility and “phew – we made it.”

As a result, airport lounge access is one of the most enviable perks you can get with a travel rewards credit card. But which cards still offer it in 2024, and from that list, which are still worth getting?

The best cards for airport lounge access in May 2024

Best overall: capital one venture x rewards credit card, best for extensive lounge access: the platinum card® from american express, best for affordable lounge access: u.s. bank altitude® connect visa signature® card, best for delta: delta skymiles® reserve american express card, best for united: united club℠ infinite card, best for american airlines: citi® / aadvantage® executive world elite mastercard®.

The Capital One Venture X Rewards Credit Card offers unlimited complimentary access for you and two guests to a wide lounge network comprising Capital One Lounges, Priority Pass and Plaza Premium Group. Plus, its $395 annual fee is easy to recoup on account of the $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary. 

Capital One Venture X Rewards Credit Card

Intro bonus.

Rewards Rates

• 10X 10x miles on hotels and rental cars booked through Capital One Travel
• 5X 5x miles on flights booked through Capital One Travel
• 2X 2x miles on everyday purchases
• Annual $300 travel credit and 10,000 Miles upon card anniversary make up for the annual fee
• Airport lounge access
• Capital One Miles require effort to maximize
• Limited cash redemption options

Other benefits

• Travel protections including car rental insurance, trip cancellation/interruption and travel delay protection
• Consumer protections including extended warranty and return protection

Why we like this card: We like how the Capital One Venture X comes with a hefty 75,000 bonus miles after spending $4,000 on purchases within the first 3 months from account opening, unlimited complimentary access for you and two guests to 1,300+ airport lounges, including Capital One Lounges and our Partner Lounge Network, and 10x miles on hotels and rental cars booked through Capital One Travel. 

The $395 annual fee may seem steep, but it’s actually a relative bargain among premium travel cards offering unlimited lounge access. Plus, you’ll earn $300 back annually for bookings made through Capital One Travel plus 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary–a combined $400 in travel value–which instantly covers your fee for the year.

The cherry on top is up to $100 credit for Global Entry or TSA PreCheck®, so you can scoot through security and get to the lounge a little faster. And the Capital One Lounge network is small, but mighty, with game-changing features such as extensive to-go options. All things considered, the Capital One Venture X Rewards Credit Card is the airport lounge card to beat. 

The Platinum Card® from American Express claims to have the widest lounge access of any card on the market, with access to well over 1,500 lounge locations in over 140 countries. Combine that with a list of travel-centric benefits longer than a CVS receipt, and it’s an easy pick for this list. 

The Platinum Card® from American Express

See Rates and Fees

Reward Rates

• 5X Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 on these purchases per calendar year)
• 5X Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel
• 1X Earn 1x points on all other eligible purchases
• Packed with valuable potential credits for digital entertainment, Equinox gym, Walmart+ membership, and more.
• Airport lounge access with a larger network than any other card
• Membership Rewards are valuable due to their flexibility.
• The multiple potential credits can be cumbersome to track.
• Sky-high annual fee
• Some of the perks can be hard to use if they don’t align with your lifestyle.
• Travel benefits including hotel and car rental chain statuses, car rental insurance, trip cancellation/interruption and travel delay protection

Why we like this card: Like a fully-loaded Mercedes S-Class, The Platinum Card® from American Express comes with an eye-watering price tag but an expansive list of benefits to justify it. 

Naturally, one of those benefits is airport lounge access. You’ll have access to Amex’s Global Lounge Collection, which includes the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. That’s 1,500+ lounges in total, meaning an Amex Platinum is the closest we have to an airport lounge master key. 

You’ll also get up to $189 back per year on a CLEAR® Plus membership (subject to auto-renewal) when you use your Platinum Card®, up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your card, up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal (enrollment required), up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card® (minimum 2-night stay required) and a welcome bonus of at least 80,000 Membership Rewards® Points after spending $8,000 on purchases on the Card in your first 6 months of card membership, so there are plenty of ways to extract value from your “Plat” outside of an airport lounge. 

To view rates and fees of the The Platinum Card® from American Express , see this page  

Amex Centurion Lounge Atlanta review Best travel credit cards What is Global Entry and why should I want it? What is TSA Precheck and why should I want it?

The U.S. Bank Altitude® Connect VISA Signature® Card card includes four free visits to over 1,500 Priority Pass locations worldwide, a $100 TSA PreCheck/Global Entry credit and a $500 welcome bonus–all for a modest annual fee of $95, which is waived for the first year.

U.S. Bank Altitude Connect

• 5x 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
• 4x 4X points on travel, at gas stations and EV charging stations
• 2x 2X points at grocery stores, grocery delivery, dining and streaming services
• 1x 1X on all other purchases
• High earnings on travel
• No annual fee the first year
• 4 Priority Pass lounge visits per year
• Points not transferable to travel partners
• Additional perks: Cell phone protection, Trip cancellation/interruption, TSA/Global Entry fee rebate
• Foreign transaction fee: None

Why we like this card: As an affordable travel rewards card, U.S. Bank’s Altitude Connect card is a worthy rival to the reigning Chase Sapphire Preferred ® Card . Unlike the “CSP,” the U.S. Bank Altitude® Connect VISA Signature® Card includes complimentary Priority Pass Select membership with four airport lounge passes, a $100 credit towards TSA PreCheck or Global Entry and up to 4X on travel purchases. 

The card also waives its $95 annual fee for the first year and offers a hefty welcome bonus of 50,000 bonus points after spending $2,000 in the first 120 days worth $500 towards travel and more. In short, it’s positively packed with value for travelers, and if you’re not sure whether you’ll even visit a lounge more than four times this year, it’s a logical choice.

The Delta SkyMiles® Reserve American Express Card offers Delta fans a truly elevated experience, with 15 visits to the Delta Sky Club per year, four guest passes, free checked bags, an Annual Companion Certificate, upgrade priority and more. It doesn’t include automatic Medallion status, but offers plenty of ways to to get there faster (e.g. MQD Headstart).

Delta SkyMiles® Reserve American Express Card

Intro bonus.

• 3x Earn 3X Miles on Delta purchases
• 1x Earn 1X Mile on all other eligible purchases.
• Premium benefits for Delta flyers, like first checked bag free and access to the Delta Sky Club
• Companion certificate good for a round trip domestic Main Cabin, Comfort+ or First Class flight each year upon renewal of your card
• Access to Centurion Lounge network
• High annual fee
• Access to Delta Sky Club limited to 15 passes a year after February 2025
• Base earnings rate is low compared to other cards
• 15% discount on Delta award flights
• Travel protections including accident insurance, rental car coverage, trip cancellation and delay insurance
• Consumer protections including cell phone insurance, extended warranty, purchase and return protection

Why we like this card: Though it charges a heart-stopping $650 annual fee, the Delta SkyMiles® Reserve American Express Card does include a 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership to help cover your first two years with the card. You’ll also 3X Miles on Delta purchases, up to 15% off award travel on Delta when booked on Delta.com, a free first checked bag, up to $240 Resy Credit, up to $200 Delta Stays statement credit and more to make the card’s high fee more palatable. 

In terms of lounge access, the Delta SkyMiles® Reserve American Express Card includes 15 visits to the Delta Sky Club per year. That’s objectively pretty stingy considering there are cheaper cards on the market offering unlimited access to a larger network for both you and multiple guests. Still, if you’re a solo Delta traveler, 15 visits to the Delta Sky Club per year may be all you need.

The United Club℠ Infinite Card may charge $525 per year, but it covers a United Club membership–which alone retails for $650–and includes a litany of other travel-friendly benefits like Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

United Club℠ Infinite Card

• 4x 4 miles per $1 spent on United® purchases
• 2x 2 miles per $1 spent on all other travel and dining
• 1x 1 mile per $1 spent on all other purchases
• United Club lounge membership
• Valuable welcome bonus
• Path to earn elite airline status by card spend
• Mostly useful if you want lounge access
• Additional perks: Primary rental car coverage, trip cancellation/interruption insurance, trip delay reimbursement, baggage delay insurance, lost luggage reimbursement

Why we like this card: If you and your travel companion frequently fly United, check multiple bags each and relish the thought of decompressing in the United Club lounge, the United Club℠ Infinite Card might deserve a place in your wallet. 

That’s because the card’s marquis feature is a $650 United Club membership, granting unlimited access for you and your travel companions. You’ll also get Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access® travel services, 4 miles per $1 spent on United® purchases, 25% back on food/beverage/Wi-Fi purchases and 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening. 

Once the welcome bonus dries up it can be hard to continue justifying the United Club℠ Infinite Card‘s $525 annual fee–especially since you can only take advantage of the card’s best benefits while traveling with United. The lack of Polaris Lounge access is a bummer, too. But if you’re a hardcore brand loyalist who doesn’t travel light, the United Club℠ Infinite Card could still be a worthy travel companion. 

With complimentary Admirals Club membership (valued up to $850), up to nine free checked bags per trip and an “enhanced airport experience,” the Citi® / AAdvantage® Executive World Elite Mastercard® rolls out the figurative red carpet for AA frequent flyers.

Citi® / AAdvantage® Executive World Elite Mastercard®

• 10x Earn 10X AAdvantage miles on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
• 4x 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases (5X after you spend $15,000 on airfare)
• 1x 1x AAdvantage miles on all other purchases
• Earns AAdvantage miles, which are not easily accessible outside of co-branded AAdvantage credit cards.
• Every dollar spent earns one Loyalty Point toward elite status.
• Includes Admirals Club lounge membership, valued at up to $850.
• High spending requirement for earning the 70,000-mile welcome bonus
• No category bonuses outside of American Airlines spending.
• Travel perks: AAdvantage club membership, checked bag benefit, trip cancellation and interruption protection
• Credits: Up to $120 annual credit to Avis or Budget rental cars, Up to $10 monthly credits to Lyft and Grubhub

Why we like this card: If you’re ready to pledge fealty to American Airlines via a $595 rewards card, you’ll be receiving plenty of perks and value in return from the Citi® / AAdvantage® Executive World Elite Mastercard®. For starters, you’ll get a complimentary Admirals Club membership and free first checked bags for you and up to eight travel companions–saving up to $720 per round trip. 

You’ll also get 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening, 25% savings on inflight purchases of food and beverages on flights and 10X AAdvantage® miles on hotels booked through aa.com/hotels. But perhaps most intriguingly, the card unlocks an “enhanced airport experience” with priority check-in, screening and boarding when flying with AA. 

Just keep in mind that Admirals Club membership only includes access to 50ish Admirals Clubs and 60ish partner lounge locations total, so you may want to confirm that there’s one in your home airport before committing. 

Frequently asked questions

Which card is best for airport lounge access.

The Platinum Card® from American Express has the most expansive lounge access, with unlimited visits to locations within the Centurion Network, Delta Sky Club, Lufthansa Lounge, Plaza Premium Lounge and Priority Pass Select. 

However, we think the Capital One Venture X Rewards Credit Card offers better value, with access to Capital One Lounges, Priority Pass and Plaza Premium Group locations for a $395 annual fee ($300 less than the Platinum).  If you are looking for a lower price tag, check out our article about the best cards for cheap airport lounge access .

Are lounge access cards worth it? 

A rewards card with airport lounge access could be worth it if you fly several times a year, value having a secluded place to work, and relax and plan to take advantage of the card’s other benefits. 

Some say that the most underrated perk of airport lounges is having access to a dedicated airline representative inside. That way, you can skip the long customer service line outside if something goes wrong with your travel plans. 

How do I know if my credit card has lounge access? 

Check your card benefits, which can usually be found online following a quick search. While you’re there, check to see if any of the included lounge networks require you to register your membership in advance–that way, you can save time and hassle at the airport.

Methodology

Fortune Recommends surveyed all the cards still offering airport lounge access in 2024 and handpicked the very best. In evaluating cards that offer airport lounge access, we compared the annual fees to the amount of lounge access provided. From the card granting access to the most locations worldwide to another charging a mere $95 annual fee ($0 for the first year), we found the best credit cards for airport lounge access in 2024.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.  

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefits guide for more details. Underwritten by Amex Assurance Company.  

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

Guide to airline credit cards

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The smart way to do business and travel

Discover your TD Business Travel Visa* Card

To save or print a copy of this guide,  download the PDF Welcome Guide .

Getting Started

Manage Expenses

Earn TD Rewards Points

Redeem TD Rewards Points

Travel Benefits

Business Card Benefits

Card Security

Your new TD Business Travel Visa* Card

Quick steps for getting started and making the most of your card.

Learn more about the features and benefits of your TD Business Travel Visa* Card by calling 1-800-983-8472 to speak with a Business Credit Card specialist.

Visit My TD Rewards in the TD app or EasyWeb® Online banking to manage your TD Rewards Points and discover loyalty perks.

Update your business Card as the primary Card on your favorite mobile apps like auto-reloads and transportation to make everyday business purchases more convenient 1 .

Learn how to add your business Card to Apple Pay , Google Pay or Samsung Pay , to make convenient, everyday business payments with just a tap of your device.

Set up regularly recurring bill payments on your TD Business Travel Visa* Account with participating merchants so bills are paid automatically on their due dates. You'll save time and avoid late fees.

Register for online statements on EasyWeb® Online banking to save time and stay organized.

Learn more about the TD app to access your Business Credit Card Account almost anywhere. Plus, you can bank at home or on the go.

Help and assistance

If your TD Credit Card is damaged or not working , you can request a replacement Card online through EasyWeb, through the TD app using your mobile device or by phone at 1-800-983-8472 .

If your TD Credit Card has been lost or stolen , you must immediately report this to us by phone at 1-800-983-8472 .

Fast, reliable access to cash . You can ask for an emergency Cash Advance of up to $5,000 in emergency funds (subject to your available credit limit), at over one million ATMs worldwide, at all TD branches and at select financial institutions around the world.

• Getting information when you need it . The TD Credit Card Contact Centre can help you with important information, such as the location of the nearest Visa member office for Cash Advances or contact numbers for embassies and consulates.
• Stay connected to important people. In the event of an emergency, messages can be forwarded to family members at home.
• Ways to Pay

Cover business expenses with TD Visa* Cheques

If you need to pay for a business expense that can’t be charged to a credit card, use TD Visa* Cheques 2 anywhere cheques are accepted and the amount of your business expense will be processed directly to your TD Business Travel Visa* Card Account as a Cash Advance.

To learn more, call 1-800-983-8472

Tap to pay with Visa

Contactless payments are a secure way to pay for small-dollar purchases at participating retailers. It’s faster and more convenient than cash – and your Card never leaves your hand.

Save time with Apple Pay, Google Pay or Samsung Pay

These Digital Wallets are accepted in a growing number of shops, restaurants, and other retailers, making it convenient and easy to use for your everyday purchases for your business.

Pay online easily and securely

The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

Manage your Account, your way

Td green machine® atms.

Access and manage your Card Account at any of our ATMs.

EasyWeb® Online banking

Manage your Card Account easily online.

Business Credit Card specialist

Give us a call to access or manage your Card Account.

Get secure access to TD’s mobile banking service anywhere you are.

Stay on top of your Business Credit Card spending with the new TD Card Management Tool.

As a business owner, you have a lot on your plate. That’s why when you get a TD Business Credit Card, you also get exclusive access to the TD Card Management Tool — designed to save you time and make your day-to-day easier.

You can access and organize the information you need to help you make informed decisions about what matters most.

By separating your business and personal expenses, you can get a clear, real-time view of your spending behaviour and balances, all in one easy-to-use online tool. Plus, you can create custom reports, track your employees’ spending, adjust your credit limits and apply spend controls with the click of a button.

It’s just business, not personal

When you get a business credit card with TD, you get access to the TD Card Management Tool.

This easy-to-use tool lets you:

• Redistribute your business’s available credit between Cardholders any time
• Easily set restrictions on spend type, geography and thresholds of your Card
• Have the ability to temporarily turn a Card on and off
• View a dashboard of your key business expenses
• Track your and your employees’ spending
• Create numerous customizable reports with up to 18 months of business transaction data
• Search your spending by date, amount or vendor
• Access your balances and payment history, and more

Take control

Flexibility.

Move your credit limits between your Cards any time.

Easy-to-use features put your finances in your hands – anytime, anywhere.

Faster and easier

Simplified expense management means more time to focus on growing your business.

All your reports are conveniently organized in one place online.

Separate your business from personal spending

Don’t mix business with pleasure is a common saying, but not everyone follows that advice when it comes to their credit cards. By keeping your business expenses and personal spending separate, you can take advantage of the TD Card Management Tool.

• Track Employees’ Usage: Ever wonder who’s spending what and where? Now you can organize spending reports by Cardholder or supplier category, so you always know how your funds are being spent.

Watch Your Spending: The TD Card Management Tool’s dashboard makes it easy to view your expenses at a glance or take an in-depth look through category and individual Cardholder spend views.

Get the Added Confidence of Spend Control: As a business owner, the TD Card Management Tool makes it easy to stay in control while employees are spending on behalf of your business. With Spend Controls, you can temporarily block Cards as well as set limits on employee transactions, from the dollar amount to the geographic location to the type of transaction that’s permitted.

Redistribute Credit Limits: It’s never been so easy to reallocate your credit limits. Redistribute your available credit between Cardholders to meet your specific business needs with the simple click of a button.

Customize Reporting Periods: You can gain new insights about your business by setting reporting periods between any dates you choose — not just your billing cycle.

View Balance & Payment History: Delve into an archive of your balances, payments and reports to monitor changes in spending behaviour over time.

Get Started

Try it today in your EasyWeb Business Account.

Get in touch to find out more about the TD Card Management Tool.

Your TD Rewards Points

With your TD Business Travel Visa* Card, you earn 3  TD Rewards Points with every eligible business Purchase and redeem them how and when you want

• Earn 9 TD Rewards Points for every $1 when you book travel online through ExpediaForTD.com using your Card 4 .
• Earn 6 TD Rewards Points for every $1 in foreign currency purchases 5 , restaurant purchases 6  and regularly recurring bill payments 7 .
• Earn 2 TD Rewards Points for every $1 you spend on all other eligible purchases 8 .
• Enjoy ExpediaForTD.com, your exclusive travel booking site with special offers designed just for you. With ExpediaForTD.com, you can be confident that you’ll earn the most rewards points and get the best point redemption value.
• No travel blackouts 9 , no seat restrictions 9  and no expiry for your TD Rewards Points.
• Turn your everyday business purchases into TD Rewards Points that you can also redeem for retail business merchandise, gift cards and more.
• Your TD Rewards Points never expire as long as you are a Cardholder.
• 50% more TD Rewards Points at Starbucks when you link your Card with your Starbucks® Rewards account. Conditions apply. Visit  td.com/starbucksoffer  to learn more.

† This chart is for illustrative purposes only. Welcome Bonus applies only in the first year.

†† Total TD Rewards Points and corresponding dollar value equivalent assumes no redemption of TD Rewards Points towards any travel purchases made during the year. Maximum dollar value of TD Rewards Points shown, only applies to TD Rewards Points redeemed for travel purchases charged to your Card and booked through Expedia For TD.

††† TD Rewards Points must be redeemed in minimum 200-point increments for travel purchases charged to your Card that are booked online or by phone through Expedia For TD. For travel purchases charged to your Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points.

Earn more with regularly recurring bill payments

Set up Pre-Authorized Payments on your account for business expenses, like utilities or phone bills. You'll earn TD Rewards Points and your bills will be paid automatically on their due dates.

Your redemption options

The TD Rewards Program provides you with the flexibility to redeem your TD Rewards Points on what you want - business travel purchases, retail merchandise, gift cards and so much more. Discover the possibilities at  TDRewards.com.

Travel where you want

• Expedia For TD 10 Redeem 11  your TD Rewards Points through  ExpediaForTD.com , available exclusively to TD Credit Cardholders who earn travel rewards. Book business travel while earning TD Rewards Points fast or redeem your TD Rewards Points for any Expedia For TD purchase you make with your card,  including taxes & fees . You can search over a million flights, hotels, packages and more!
• Book Any Way Travel Purchases 11 You can also book your business trip through other travel agencies or websites to take advantage of any discounts and last-minute deals they offer. Whether you want to take clients for a round of golf or park at the airport, you have the flexibility to use your TD Rewards Points towards all kinds of travel expenses – including taxes — within 90 days of this type of  travel purchase !

Shop for your business using your rewards

• Merchandise and Gift cards Redeem your TD Rewards Points for great deals on a wide selection of merchandise and gift cards.
• Amazon.ca Shop with Points Redeem your TD Rewards Points towards making business purchases at Amazon.ca to get what you want, when you want, quickly and easily. Conditions apply 12 .  Learn more  about how you can redeem your points for all or just part of your purchase.

Financial Rewards

• Pay with Rewards Redeem your TD Rewards Points for a cash credit to help pay down your TD Business Travel Visa* Card Account.
• Redeem for Education TD Rewards Points can be redeemed for education credits from HigherEdPoints to help cover tuition and other higher education costs at over  100 participating institutions  for yourself, an employee, a relative or a friend.

Explore TDRewards.com

Register at  TDRewards.com  to:

• See how many TD Rewards Points you’ve earned on each purchase
• Stay on top of great deals by signing up for special offer emails
• View and redeem TD Rewards Points through EasyWeb or the TD app

Your TD Business Travel Visa* Card comes with travel perks

Travel medical insurance 13.

You have coverage for eligible medical emergencies without even having to charge the trip to your business Card! To help you with the consequences of eligible unforeseen events, your TD Business Travel  Visa*  Card includes Travel Medical Insurance, which provides:

• Up to $2 Million of comprehensive emergency medical coverage for when you are travelling outside of your province or territory, whether within Canada or internationally.
• No out-of-pocket costs for eligible emergency medical expenses, when possible.
• 24/7 emergency medical assistance.
• Coverage for the first 15 days of your trip. If you or your spouse is aged 65 or older, you have coverage for the first 4 days of your trip. For longer trips, top-up coverage is available for purchase by calling  1-800-293-4941 .

Enjoy a suite of insurance benefits with your Card

• Flight/Trip Delay Insurance 14 If your flight/trip is delayed for longer than four hours, each insured person could receive up to $500 for reasonable and eligible hotel, motel and restaurant expenses when you charge the full cost of your flight on your business Card and/or TD Rewards Points.
• Trip Cancellation Insurance/Trip Interruption Insurance 15 Help protect yourself from cancellations and recover eligible trip expenses. With Trip Cancellation, receive up to $1,500 of coverage for each insured person, up to a maximum of $5,000 for all insured persons. Your time is valuable. When facing a trip interruption, you can receive 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 16 Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane or train).
• Delayed and Lost Baggage Insurance 17 If your baggage is delayed for longer than six hours, each insured person is eligible for emergency purchases of essentials, such as clothing and toiletries. Coverage may also be provided if your baggage is lost by a Common Carrier. Charge the full cost of the tickets with your business Card and/or TD Rewards Points, so each insured person may be eligible for coverage up to an overall maximum of $1,000 per trip.
• Auto Rental Collision/Loss Damage Insurance 18 Use your business Card and/or TD Rewards Points to pay for the full cost of an eligible car rental and get the Collision Damage Waiver ("CDW") coverage at no additional cost for up to 48 consecutive days. Please note, some rental agencies may require you to buy the CDW coverage from them. It's important to contact the rental agency before reserving a car to verify their policies.

Emergency Travel Assistance Services 19

Help is just a call away. Get toll-free access to help, should you have a personal emergency while travelling. Emergency Travel Assistance Services can help you with:

• Translation services in the event of an emergency situation
• Lost document and ticket replacement
• Emergency Cash Transfer in the event of a theft, loss or emergency. Our Administrator can assist you with obtaining a Cash Advance which will be charged to your Account

In Canada and U.S. call  1-800-871-8334 . In other countries call collect  416-977-8297 .

Save with Avis Rent a Car and Budget Rent a Car

Save a minimum of 10% on the lowest available base rates 20 , 21  in Canada and U.S., and a minimum of 5% on the lowest available base rates 20 , 21  internationally, on qualifying car rentals at participating Avis and Budget locations.

• Avis:  You can reserve your Avis car rental by visiting  avis.com/tdcreditcards . Quote  Avis Worldwide Discount ("AWD") #C078400  at time of reservation and charge the full rental to your TD Business Travel Visa* Card.
• Budget:  You can reserve your Budget car rental by visiting  budget.com/tdcreditcards . Quote  Budget Customer Discount ("BCD") #A331700  at time of reservation and charge the full rental to your TD Business Travel Visa* Card.

Dedicated Business Solutions

Expertise you can trust, technical support you can count on and solutions that adapt to your changing needs. Our dedicated advisors will take the time to understand your growing business and provide knowledgeable advice and solutions that are right for you.

Enjoy discounts with the Visa SavingsEdge* Program

Enroll your TD Business Travel Visa* Card in the Visa SavingsEdge* Program 22  at no cost and enjoy discounts of up to 25% on qualifying business purchases, including business travel and entertainment, computers and electronics, business services and more. Your savings are automatically applied to your Account and appear as credits on your future statements.

Add Additional Cards

Need more Cards for your business? Easily apply for and manage additional Cards 23  for your employees.

Optional Business TD Auto Club Membership

With optional Business TD Auto Club Membership 24 , know that in the event of a road emergency, help is just a phone call away.

Balance Transfer

Consider consolidating any higher-rate non-TD credit card balances you may have to your TD Business Travel Visa* Card Account through a Balance Transfer 25 . By transferring your balances you can more easily keep track of your expenses with one monthly payment. Talk to us about the convenience and potential interest savings of consolidating your balances to your TD Business Travel Visa* Account.

For more information, visit us at your nearest TD Canada Trust branch or call 1-800-983-8472

Explore your TD Business Travel Visa* Card's security and protection

Protecting the security of your Card should always be a priority. That’s why your TD Business Travel Visa* Card comes with features that help protect you when you shop online and in person.

Security features

Shop online and in person securely with Visa Zero Liability and be protected in the event that unauthorized transactions are made on your Card. See your Cardholder Agreement for complete information on unauthorized transactions and your responsibilities, including your responsibility to protect your ("PIN").

Shop with confidence with chip & PIN technology . Chip and PIN technology provides an added level of security through the use of a Personal Identification Number (PIN).

Purchase Security and Extended Warranty Protection 26 . You automatically have access to Purchase Security and Extended Warranty Protection, covering most eligible new items you’ve purchased with your 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.

Personal Identification Number (PIN) Security Tips

• Choose a PIN you can remember that's difficult to guess. Don't use a phone number or a birthday.
• Never write down your PIN.
• Protect your PIN and use your hand or body to shield the keypad when you enter your PIN.
• Never let anyone else know or use your PIN or use your business Card.
• Make transactions only when and where you feel secure. If in doubt, don’t use your Card.

Reset your PIN easily and conveniently at a TD Canada Trust Branch or 24/7 at any TD Green Machine (ATM).

24 hour Fraud Protection

Our enhanced protection measures help protect you from Credit Card fraud. Should we detect unusual activity relating to your Account:

You may receive a phone call from a TD Credit Card Customer Service Representative asking you to confirm that you or an Additional User, performed a transaction on your TD Business Travel Visa* Card or Account.

During a transaction, a merchant may receive an electronic message requesting that they contact the TD Credit Card Contact Centre and allow you to speak with one of our Customer Service Representatives.

Your Card may be temporarily blocked until we can contact you for verification.

You can now automatically receive TD Fraud Alerts to your mobile phone any time we suspect unusual activity on your TD Business Travel Visa* Card or on any Additional Card on your Account. Learn more .

More about your TD Business Travel Visa* Card

Cardholder agreement.

For complete information about your Card, please refer to your Cardholder Agreement

• Cardholder agreement (PDF)

Benefit Coverages

For complete information about your Card, please refer to your Benefit Coverages Guide.

• Benefit Coverages Guide (PDF)
• Product Summaries (For Quebec Residents Only) (PDF)

Welcome Guide

Save a copy of this guide for reference when you're offline.

• Welcome guide (PDF)

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1  The Toronto-Dominion Bank is not responsible for any third-party retail apps, including their use and any services or products provided through such apps.

2  TD Visa Cheques (“Cheques”) are processed as Cash Advances to your TD Credit Card Account (“Account”) and interest is charged at the annual interest rate that applies to your Account for Cash Advances from the transaction date until the total amount of the Cheque is paid in full. Your transaction date appears on your monthly statement. A Cheque will not be processed if the total amount exceeds the available credit on your Account or if the Account is not in good standing. Cheques cannot be used for repayment of any TD credit account. Stop payments are not allowed on Cheques. See your TD Business Cardholder Agreement for more details.

3  TD Rewards Points are earned for Purchases charged to the Account. Credits for refunds, returned items, rebates and other similar credits will reduce or cancel the TD Rewards Points earned by the full or partial amount originally charged to the 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 TD Rewards Points.

4  Earn 9 TD Rewards Points for every $1 in Purchases of travel made online through Expedia For TD (" Online Travel Purchases ") and charged to your TD Business Travel Visa Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Online Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer. Earn 6 TD Rewards Points for every $1 in Purchases of travel made by phone through Expedia For TD (" Phone Travel Purchases ") and charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Phone Travel Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

5  Earn 6 TD Rewards Points (" Foreign Currency Rebate ") for every $1 in Purchases in a Foreign Currency (" Foreign Currency Purchases ") charged to your TD Business Travel  Visa * Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Foreign Currency Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD  Visa  Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $80,000 Cap : The Foreign Currency Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached for Foreign Currency Purchases, then any further Foreign Currency Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (" Standard Rebate ").  Applicability of Foreign Currency Rebate:  The Foreign Currency Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

6  Earn 6 TD Rewards Points (" Restaurant Rebate ") on each $1 in Purchases at restaurants (" Restaurant Purchases ") charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Restaurant Purchase, as applicable. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $80,000 Cap:  The Restaurant Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached for Restaurant Purchases, then any further Restaurant Purchases made on the Account will earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (" Standard Rebate ").  Applicability of Restaurant Rebate:  The Restaurant Rebate is in place of, and not in addition to, the Standard Rebate. Merchant Category Codes: To earn the Restaurant Rebate, the Restaurant Purchases must be made at merchants classified through the Visa network with a Merchant Category Code (" MCC ") that identifies them in the "restaurant" category. Some merchants may not be classified with a restaurant MCC and such Purchases will not earn the Restaurant Rebate as applicable. If you have questions about the MCC that applies to a Purchase, contact TD at 1-800-983-8472 .  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

7  Earn 6 TD Rewards Points (" PAP Rebate ") on each $1 in payments made on a monthly or other regularly recurring basis for merchant bills, including insurance premiums, magazine/newspaper/online streaming subscriptions, membership fees and telecommunication fees, that are set up by the merchant with your consent to be automatically charged to your TD Business Travel Visa* Card Account (" Account ") and that are classified through the Visa network as "recurring payments" (" Pre-Authorized Payments "). You must confirm with your merchant if they can accept Pre-Authorized Payments. Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Pre-Authorized Payment. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  $80,000 Cap : The PAP Rebate is only available to a $80,000 maximum net annual spend (" $80,000 Cap "). Once the $80,000 Cap has been reached, then any further Pre-Authorized Payments made on the Account will only earn TD Rewards Points at the standard rebate rate of 2 TD Rewards Point that applies to all other Purchases on the Account as set out in your Cardholder Agreement (" Standard Rebate ").  Applicability of PAP Rebate:  The PAP Rebate is in place of, and not in addition to, the Standard Rebate.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

8  Earn 2 TD Rewards Points (" Standard Rebate ") on every $1 on all other Purchases (" Other Purchases ") charged to your TD Business Travel Visa* Card Account (" Account "). Any returned items, refunds, rebates or other similar credits will reduce or cancel the TD Rewards Points earned on the original Purchase. Fees, Cash Advances (including Balance Transfers, Cash-Like Transactions and TD Visa Cheques), interest charges, optional service, refunds, rebates or other similar credits do not earn TD Rewards Points.  Other Conditions:  Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer.

9  Subject to carrier/space availability.

10  Expedia For TD is operated by Expedia, Inc. at ExpediaForTD.com and 1-877-222-6492 . The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

11  TD Rewards Points must be redeemed in minimum 200-point increments for travel Purchases charged to your business Card that are booked online or by phone through Expedia For TD. For travel Purchases charged to your business Card that are not booked through Expedia For TD, TD Rewards Points must be redeemed in minimum increments of 200 or 250 TD Rewards Points as fully explained in the TD Travel Credit Cardholder Agreement for your business Card. The Travel Terms are available on  www.td.com/businesscardagreements . We can decrease the required minimum TD Rewards Point redemption increment at any time. To redeem TD Rewards Points for travel Purchases charged to your business Card that are not booked through Expedia For TD, Cardholder must contact the TD Rewards Program after the travel Purchase has been posted to the Account and within 90 days from the transaction date of the travel Purchase. The required TD Rewards Points will be deducted from the Cardholder’s TD Rewards Points balance available at the time the TD Rewards Points are redeemed for the travel Purchase, not the transaction date of the travel Purchase. The amount that will be credited towards the travel Purchase will be equal to the value of the TD Rewards Points redeemed. If there are insufficient TD Rewards Points available to cover the entire amount of the travel Purchase, the Account will only be credited by the value of the TD Rewards Points redeemed. Any amount of the travel Purchase not covered by the TD Rewards Points redeemed will remain on the Account for payment. Expedia For TD is operated by Expedia, Inc. at  www.TDRewards.com  and 1-877-222-6492 .The Toronto-Dominion Bank and its affiliates are not responsible for any of the services and products offered/provided by Expedia, Inc.

12 These are highlights of the Amazon.ca Shop with Points program for TD Rewards Points (“SWP for TD”). SWP for TD is provided by Amazon.ca. To use your TD Rewards Points to pay for an order at Amazon.ca, your eligible TD credit card must be linked to your Amazon.ca account. For more information, including how to enrol in SWP for TD and terms, conditions and restrictions, visit www.amazon.ca/tdrewards. Amazon.ca is operated by [Amazon.com, Inc.]. The Toronto-Dominion Bank and its affiliates are not liable or responsible for SWP for TD or any of the services and products offered/provided by Amazon.ca. SWP for TD may be amended or cancelled at any time without notice.

Amazon, the Amazon.ca logo and the smile logo are trademarks of Amazon Services International, Inc. or its affiliates.

13  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 Certificate of Insurance included with your Benefit Coverages Guide. The day of departure from and the day of return to your province of residence each count as one full day. 15-day coverage if you're under 65 and 4-day coverage if you're 65 or older. 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, which you may be eligible to top-up with.

14  Underwritten by TD Home and Auto Insurance Company. To be eligible for this coverage, your trip must be paid for in full using your TD Credit Card and/or associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide.

15  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, your trip must be paid for in full using your TD Credit Card and/or TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions, including a pre-existing condition exclusion, that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide. 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.

16  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 associated TD Rewards Points. Benefits, features and coverages are subject to conditions, limitations and exclusions that are fully described in the Certificate of Insurance included with your Benefit Coverages Guide.

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

18  Underwritten by TD Home and Auto Insurance Company. Car rentals must be charged in full to the Card and/or associated TD Rewards Points, cannot exceed 48 consecutive days and the rental agency’s Collision Damage Waiver 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 business car rental to confirm their insurance requirements. Refer to Auto Rental Collision/Loss Damage Insurance section of your Benefit Coverages Guide for rental exclusions and further details.

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

20  Provided by Avis Rent A Car System ULC. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate refers to time and kilometer/miles charges only and other charges, including taxes, may apply. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Avis Rent A Car System ULC.

21  Provided by Budget Rent A Car System, Inc. Minimum discount offer subject to discount code and to terms and conditions which may change without notice. Blackout dates may apply. Base rate is based on time and kilometer/miles charged only. The Toronto-Dominion Bank is not responsible for any vehicles, services, discounts or other offers made available by Budget Rent A Car System, Inc.

22  The  Visa SavingsEdge * Program is provided by Visa Canada. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of this Program.

23  Business and business owners are jointly and severally liable for all charges to made to each TD Business Travel Visa Card Account.

24  TD Auto Club is provided by Dominion Automobile Association (2004) Limited, an independent third-party service provider. The Toronto-Dominion Bank and its affiliates accept no responsibility in respect of these services.

25  Subject to available credit. Balance Transfers are treated as Cash Advances and accrue interest at the Cash Advance rate that applies to your Account from the date the Cash Advance is made. See your business Cardholder Agreement for complete information on Cash Advances including how we apply your payments and interest to Cash Advances.

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

*  Trademark of Visa Int., used under license.

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

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

TM Android and Google Play are trademarks of Google Inc.

Samsung and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.

Trademark The EMV® SRC payment icon, consisting of a pentagon design oriented on its side with a stylized depiction of a fast forward symbol on the right, formed by a continuous line, is a trademark owned by and used with permission of EMVCo, LLC.

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”).

© 2023 Expedia, Inc., an Expedia Group company. All rights reserved. Expedia and the Airplane Logo are trademarks or registered trademarks of Expedia, Inc.

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

The TD Business Travel Visa Card was designed for hard workers like you who want to do business and travel the smart way. Earning your way to your next destination couldn't be simpler. With a TD Business Travel Visa Card, you can easily turn everyday business purchases into TD Rewards Points faster for travel and experiences. You can earn the most points when you book travel through expediafortd.com. Earn nine TD Rewards Points for every dollar you spend on online travel purchases. You can book all your travel needs from flights to hotels, car rentals and attractions.

Make the most of every trip through expediafortd.com. Earn six TD Rewards Points for every dollar you spend on restaurant purchases and recurring bill payments made on your card. You can also earn six TD Rewards Points when you make foreign currency purchases so you can earn faster no matter where you need to go. Plus, earn two TD Rewards Points for every dollar spent on all other everyday business purchases. And when you're ready to redeem your TD Rewards Points, you can be sure your points will take you farther with expediafortd.com.

You'll get the best redemption value, period. You also have the option to redeem your points for merchandise, gift cards, or a cash credit. When you decide to travel, you'll travel with an extensive suite of travel insurance plans available to cardholders. The TD Business Travel Visa Card makes keeping track of all your spending simple. Your card comes with access to the TD Card Management tool, an easy way to access online custom reporting, review your business expenses, manage your existing credit limits, and apply spend controls. Paying for business expenses has never been this rewarding.