TD Aeroplan Infinite Privilege: 100k points cost $24k spend and $1,198 in fees. Run the math.
The TD Aeroplan Visa Infinite Privilege offers up to 100k points, but requires $24k spend over 12 months and two years of $599 annual fees to unlock the full bonus. At 2 cents per point, that's $2,000 value minus $1,198 in fees, yielding $802 net on $24k spend - about 3.3% back. Meanwhile, the TD Aeroplan Visa Infinite offers up to 50k points with a first-year fee rebate, $12k spend, and only $139 in year-two fees. That yields $861 net on $12k spend, or 7.2% back - more than double the yield of the premium card. The Infinite Privilege's lounge access and status credits have value, but for pure welcome bonus return, the lower-tier card wins.
the play
Apply for the TD Aeroplan Visa Infinite card to maximize welcome bonus yield per dollar spent, targeting the $12k spend within 12 months to earn the full 50,000 points.
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This drop was reframed from a real reader question asked around the web. Written with the assistance of a language model in the voice of Vanessa Bloome.
