Visa

TD Aeroplan Visa Infinite Card

5/5 — Our rating
TD Aeroplan Visa Infinite Card

At a glance

Travel

$139

Annual fee

1.5x

Miles per dollar

Visa

Network

Welcome Bonus

Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase. Earn an additional 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening. Also receive an annual fee rebate for the first year.

Benefits included

Up to 45,000 Aeroplan points welcome bonus
First-year annual fee rebate
NEXUS application fee rebate (up to $100 CAD) every 48 months
Free first checked bag for primary, additional cardholders, and up to 8 travel companions on Air Canada flights
Aeroplan points do not expire as long as cardholder is in good standing
Aeroplan Family Sharing
Earn 1.5 Aeroplan points per $1 on eligible gas, EV charging, grocery, and direct Air Canada purchases
Earn 1 Aeroplan point per $1 on all other purchases

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Pros & Cons

Pros

  • Excellent earn rate on everyday categories (gas, EV charging, grocery) and Air Canada purchases
  • Generous welcome bonus including up to 45,000 Aeroplan points and a first-year annual fee rebate
  • Extensive travel insurance coverage, including emergency medical, trip cancellation/interruption, and baggage
  • Significant Air Canada travel benefits such as free first checked bag for up to 8 companions and NEXUS application fee rebate
  • Aeroplan points do not expire as long as the cardholder is in good standing
  • Access to premium Visa Infinite benefits like concierge, luxury hotel collection, dining series, and more
  • Opportunity to earn Aeroplan Elite® Status Qualifying Credits (SQC)

Cons

  • High annual fee after the first year ($139)
  • High purchase interest rate (21.99%)
  • Requires a relatively high minimum personal ($60,000) or household ($100,000) income
  • Fee for additional cardholders ($75)
  • Travel medical insurance coverage duration is limited (21 days, or 4 days for ages 65+)

Our Verdict

Elevate your travel experience with the TD Aeroplan Visa Infinite Card. Earn Aeroplan points faster on daily essentials, enjoy free Air Canada checked bags, comprehensive insurance, plus exclusive Visa Infinite perks. Discover premium journeys.

Technical sheet

Annual fee$139
Interest rate21.99%
Minimum income$60000
NetworkVisa
Miles per dollar1.5x
Welcome bonusEarn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase. Earn an additional 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening. Also receive an annual fee rebate for the first year.

Detailed analysis

Elevating the Travel Experience with Aeroplan Rewards

Finding a credit card that aligns with specific lifestyle needs and travel goals is a priority for many Canadian residents. The TD Aeroplan Visa Infinite Card serves as a primary tool for individuals who frequently travel within Canada or internationally, particularly those who prefer flying with Air Canada. By integrating daily spending with a well-known loyalty program, this card offers a pathway to various rewards and travel-related conveniences.

A sophisticated travel card for those seeking to enhance their Air Canada experience through Aeroplan rewards.

Key Highlights of the TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card is recognized for its robust suite of features that cater to both everyday spending and specialized travel needs. Cardholders can benefit from a range of qualitative advantages designed to make travelling more efficient and secure. The card is tailored for those who value travel loyalty and comprehensive protection.

  • Accelerated earning potential on common daily expenses such as groceries and fuel.
  • Dedicated travel benefits for Air Canada flights, including complimentary baggage services for the primary cardholder and companions.
  • Extensive insurance package covering health, travel disruptions, and mobile devices.
  • Access to exclusive Visa Infinite services, including concierge assistance and luxury hotel benefits.
  • Rebate opportunities for application fees related to trusted traveller programs like NEXUS.

Earning Aeroplan Points on Daily Purchases

One of the primary advantages of the TD Aeroplan Visa Infinite Card is its ability to accumulate Aeroplan points through regular consumer activity. The earning structure is designed to reward cardholders more heavily on the categories where Canadians typically spend the most. This includes significant rewards for grocery shopping and gas station visits, as well as electric vehicle charging.

In addition to these daily essentials, the card offers enhanced earning rates for direct purchases made through Air Canada, including travel packages through Air Canada Vacations. For all other spending that does not fall into these specific categories, cardholders continue to earn points at a steady base rate. This ensures that every dollar spent contributes toward future travel opportunities, whether it is for a weekend getaway or an international excursion.

Exclusive Air Canada Travel Perks

As a card co-branded with Canada’s flagship carrier, the TD Aeroplan Visa Infinite Card provides several perks that enhance the airport and inflight experience. One of the most notable features is the free first checked bag benefit. This applies to the primary cardholder, additional cardholders, and up to eight companions travelling on the same reservation, providing substantial value for families or groups.

Furthermore, the card assists in streamlining the travel process through a NEXUS application fee rebate. By covering the cost of the application once every few years, the card helps users access expedited security and border clearing. These features are designed to reduce the stress and costs associated with frequent flying, making the journey as rewarding as the destination.

Comprehensive Insurance and Protection

Safety and security are central to the TD Aeroplan Visa Infinite Card offering. Cardholders are supported by a wide array of insurance coverages that provide peace of mind during various stages of travel and daily life. This includes travel medical insurance for emergencies outside of the home province or country, as well as coverage for trip cancellations or interruptions.

The protection extends to baggage, covering delays or loss, and provides common carrier accident insurance. For those who frequently rent vehicles, the card includes auto rental collision and loss damage insurance, which can eliminate the need for additional coverage from rental agencies. Beyond travel, the card also features mobile device insurance, purchase security, and extended warranty protections, ensuring that valuable personal items are guarded against theft or accidental damage.

The Visa Infinite Lifestyle

Being part of the Visa Infinite tier allows cardholders to access a variety of premium lifestyle services. This includes the Visa Infinite Concierge, a service that can assist with dinner reservations, event tickets, or travel planning. Additionally, the Visa Infinite Luxury Hotel Collection provides eligible cardholders with special benefits at participating properties worldwide, such as room upgrades or late check-outs when available.

For those interested in culinary and leisure activities, the card offers access to the Visa Infinite Dining Series and the Wine Country Program. Golf enthusiasts can also take advantage of the Troon Golf benefit, which provides access and discounts at high-end courses. These lifestyle perks complement the travel rewards, offering a well-rounded experience for the modern Canadian consumer.

Eligibility and Application Requirements

To apply for the TD Aeroplan Visa Infinite Card, applicants must meet specific criteria established by TD Canada Trust. This includes being a Canadian resident and reaching the age of majority in their respective province or territory. The card is designed for individuals with a stable financial background, requiring a minimum annual personal or household income.

The application process is conducted online and requires standard documentation, including full legal details, employment status, and gross annual income. For those who meet the requirements, the card also offers modern payment conveniences such as support for Apple Pay, Google Pay, and Samsung Pay, as well as the ability to set up structured payment plans for larger purchases.

Curious about the exact rates, fees, and how much you could really earn with this card?

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