The TD Aeroplan Visa Infinite is Canada’s most popular Aeroplan credit card and, for most everyday spenders, the easiest way to earn Aeroplan points quickly. With elevated earn rates on groceries and gas, a strong travel insurance package, and a welcome bonus that can cover a domestic round trip, it’s a natural first choice for Canadians who want to build Aeroplan balances without flying.
Quick Verdict
Best for: Everyday earners who shop at grocery stores and fill up at the gas station regularly, want solid travel insurance, and plan to redeem for Air Canada flights.
Not ideal for: Heavy restaurant spenders (no dining bonus), frequent international travellers (foreign transaction fee applies), or those who rarely fly Air Canada.
Key Card Details
| Feature | Detail |
|---|---|
| Annual fee | $139 ($0 for first year — check current promotion) |
| Additional cardholder fee | $75 |
| Purchase interest rate | 20.99% |
| Cash advance rate | 22.99% |
| Foreign transaction fee | 2.5% |
| Income requirement | $60,000 personal / $100,000 household |
| Network | Visa Infinite |
| Welcome bonus | Up to 50,000 Aeroplan points (verify with TD — terms change) |
Always verify the current welcome bonus and annual fee waiver with TD before applying. Promotions change frequently.
Welcome Bonus
The TD Aeroplan Visa Infinite regularly offers welcome bonuses in the range of 20,000–50,000 Aeroplan points, often with a first-year annual fee waiver. The exact structure varies — typically a base bonus on first purchase plus additional points for meeting a minimum spend threshold within the first 3–6 months.
What 50,000 Aeroplan points are worth:
- Economy return flight within Canada: ~25,000–40,000 points → surplus points remain
- Economy return to the US: ~35,000–50,000 points → approximately one round trip covered
- Contribution toward a transatlantic economy flight: significant down payment
At a conservative 1.5 cents per point, 50,000 Aeroplan points = approximately $750 in travel value. At 2.0 cpp (long-haul economy), that’s $1,000.
Earn Rates
| Spending Category | Earn Rate |
|---|---|
| Groceries (eligible) | 1.5 Aeroplan points per $1 |
| Gas | 1.5 Aeroplan points per $1 |
| Air Canada purchases | 1 Aeroplan point per $1 |
| Everything else | 1 Aeroplan point per $1 |
Stacking bonus at Esso/Mobil: Use the TD Aeroplan Visa Infinite at Esso or Mobil stations AND present your Aeroplan number to earn both credit card points and Esso partner Aeroplan points on the same fuel purchase.
How much can you earn annually?
Based on a $2,000/month household spend:
| Category | Monthly | Rate | Annual Points |
|---|---|---|---|
| Groceries | $1,000 | 1.5x | 18,000 |
| Gas | $200 | 1.5x | 3,600 |
| Other | $800 | 1x | 9,600 |
| Total | $2,000 | 31,200 |
31,200 points per year is worth approximately $468–$686 in economy flight redemptions.
Travel Perks and Benefits
First checked bag free
The primary cardholder and up to eight travel companions on the same reservation each get their first checked bag free on Air Canada flights. At Air Canada’s current checked baggage fee of $30–$35 per bag, a family of four flying round trip saves $240–$280 on each trip — potentially covering the entire annual fee.
Nexus fee reimbursement
The card reimburses the NEXUS application or renewal fee (currently US$50) once every four years. NEXUS streamlines Canadian/US border crossing at land, air, and marine ports of entry. The reimbursement is applied automatically as a statement credit.
Travel emergency medical insurance
Up to $2 million in emergency medical coverage for cardholders and immediate family members when travelling, for trips up to 21 days in duration.
Trip cancellation and interruption insurance
Coverage up to $1,500 per person (up to $5,000 total) for trip cancellation, and up to $5,000 total for trip interruption, when the full trip cost is charged to the card.
Flight/trip delay insurance
Coverage up to $500 per trip for hotel, meals, and other reasonable expenses when a flight is delayed 4 or more hours.
Lost, delayed, and damaged baggage insurance
Up to $1,000 coverage for lost or damaged baggage, and up to $500 for delayed baggage expenses when your bag is delayed 4+ hours.
Rental vehicle collision/loss damage insurance (CDLI)
Provides coverage for collision damage or theft when renting a vehicle for up to 48 days. Decline the rental agency’s collision damage waiver to activate this coverage and save $15–$35 per day.
Purchase security and extended warranty
- Purchase protection: 90 days against loss, theft, or accidental damage
- Extended warranty: doubles the manufacturer’s warranty up to one additional year
Fees and Rates
| Fee | Amount |
|---|---|
| Annual fee (primary) | $139 |
| Annual fee (additional) | $75 |
| Purchase interest | 20.99% |
| Cash advance | 22.99% |
| Foreign transaction | 2.5% |
| Over-limit fee | $29 |
Note on the foreign transaction fee: At 2.5%, using this card abroad adds meaningful cost. If you travel internationally frequently, consider pairing with a no-FX-fee card (such as the Scotiabank Passport Visa Infinite or the Home Trust Preferred Visa) for foreign currency purchases.
Who Is the TD Aeroplan Visa Infinite Best For?
Ideal cardholders:
- Canadian households spending $800–$1,500/month on groceries who want to convert that spending into Aeroplan points
- Families who regularly check bags on Air Canada and will use the free first-bag benefit
- Travellers who want robust travel insurance included with their credit card
- Canadians who want NEXUS coverage (cross-border road travellers benefit particularly)
- Those starting an Aeroplan points strategy and want the most popular mid-tier card
Less suitable if:
- You prefer a card with no foreign transaction fees for international travel
- Your top spending categories are dining and entertainment (no bonus on those)
- You rarely fly Air Canada and have no plans to use flight redemptions
- You’re a premium traveller who would benefit more from the CIBC Aeroplan Visa Infinite (for Air Canada earn) or the Amex Aeroplan Reserve (for Air Canada 3x + dining 2x)
TD vs. CIBC Aeroplan Visa Infinite: Which Is Better?
Both cards carry a $139 annual fee and earn 1.5x on groceries and gas. The key difference:
- CIBC adds 1.5x on Air Canada purchases. If you spend significantly on Air Canada flights, the CIBC card earns more on that category.
- TD has a slightly stronger insurance package on some metrics, including extended warranty and specific coverage limits.
- Both have similar welcome bonuses — compare current offers directly before applying.
For most Canadians who aren’t heavy Air Canada spenders, the cards are essentially equivalent. Apply to whichever bank you already have a relationship with for a smoother approval process.
See the full TD Aeroplan vs. CIBC Aeroplan Visa Infinite comparison for a detailed breakdown.
Alternatives to the TD Aeroplan Visa Infinite
| Card | Annual Fee | Key Difference |
|---|---|---|
| CIBC Aeroplan Visa Infinite | $139 | 1.5x on Air Canada purchases |
| TD Aeroplan Visa Platinum | $89 | Lower fee, lower earn rates |
| Amex Aeroplan Reserve | $599 | 3x on Air Canada, 2x dining, premium perks |
| Scotiabank Gold Amex (Scene+) | $120 | No FX fee, 6x grocery at Sobeys, different program |
TD Aeroplan Visa Infinite FAQ
Is the TD Aeroplan Visa Infinite worth the $139 annual fee? For households spending $700+/month on groceries and gas, yes. The free first checked bag alone can recover the annual fee for a family of four on a single return Air Canada trip ($240–$280 saved). Add the welcome bonus value and the earn rate premium over a no-fee card, and the math typically works.
What income do I need to apply for the TD Aeroplan Visa Infinite? TD requires a minimum personal income of $60,000 or household income of $100,000. Having an existing TD banking relationship can strengthen your application.
Can I transfer TD Aeroplan points to hotel programs? No. Aeroplan points earned through credit cards are held in your Aeroplan account and can be redeemed for Aeroplan program offerings (flights, hotels, car rentals, merchandise). They cannot be transferred to hotel programs — the transfer direction is one-way (hotel programs can transfer to Aeroplan).
Does the free first checked bag work for additional cardholders? Yes — the benefit applies to the primary cardholder and up to eight companions on the same Air Canada reservation, regardless of whether companions hold an additional card.
Is the annual fee waived in the first year? TD periodically offers a first-year annual fee waiver as part of the welcome bonus promotion. This offer is not always active — verify with TD or check their current promotions page before applying.
Bottom Line
The TD Aeroplan Visa Infinite is the benchmark mid-tier Aeroplan card in Canada. Its 1.5x earn on groceries and gas, solid travel insurance, free first checked bag on Air Canada, and NEXUS reimbursement make it a well-rounded card for households who fly Air Canada at least once or twice a year.
It’s not the highest-earning Aeroplan card available — the Amex Aeroplan Reserve outperforms it for Air Canada and dining spending — but at $139/year versus $599/year, the TD Aeroplan Visa Infinite is the right anchor card for the vast majority of Canadian Aeroplan collectors.
Card terms, earn rates, welcome bonus offers, and annual fees are subject to change. Always verify current details at td.com before applying.