Reviewed by Jen, founder of MoneyMint · Updated August 15, 2026

TD Canada TrustTravel Card

TD Aeroplan Visa Infinite Card

Our take: strongest for everyday spending — about 2% back in value (est.) for $139 a year, plus a welcome bonus we value at roughly $1,000.

#4 Travel

Welcome bonusUp to 50,000 Aeroplan points + first-year fee rebate

Apply on TD’s site →

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Our review

The TD Aeroplan Visa Infinite Card is a $139/year travel card built around Air Canada perks — a free checked bag, Aeroplan Elite Status credits, and 1.5x points on gas, groceries, and direct Air Canada purchases. Its welcome offer (up to 50,000 points plus a first-year fee rebate) comfortably clears the annual fee, and the insurance suite is solid for the price. It’s a strong fit if you actually fly Air Canada and meet the income requirement — less so if you don’t, since Aeroplan points aren’t transferable to other loyalty programs.

4.4out of 5

MoneyMint rating

#4 of 30 travel rewards cards · How we rate

Rewards value

2/10

Insurance

10/10

Flexibility

9/10

Welcome bonus

10/10

Fee value

10/10

Perks

8/10

≈ $865

estimated first-year value after the annual fee, on a typical $2,050/month budget. Points are converted to dollars using MoneyMint’s own valuations — see our points value calculator for how each program is valued. See it for your spending →

At a Glance

Annual fee

$139/yr$75/yr per additional card; first-year rebate offered

Welcome bonus

Up to 50,000 ptsplus first-year fee rebate, ~$1,550 claimed value

Rewards

~2%on everyday spending (est. value)

Foreign transaction fee

2.5%via TD’s official FAQ tool, not on the product page itself

Income requirement

$60K / $100Kpersonal / household — credit score not published

Purchase APR 21.99% · Cash advance APR 22.99%

Pros & Cons

Pros

1.5x points on gas, EV charging, groceries, and direct Air Canada purchases (up to $80,000/yr combined)
First checked bag free for you plus up to 8 travel companions on the same Air Canada reservation
Strong travel insurance suite, including up to $2,000,000 in emergency medical coverage
Welcome offer worth up to $1,550 in claimed value, including a first-year annual fee rebate
Up to 25,000 Status Qualifying Credits per year toward Aeroplan Elite Status
Mobile device insurance up to $1,000 for loss, theft, accidental damage or mechanical breakdown of eligible mobile devices

Cons

$139/year fee, plus $75/yr per additional cardholder
Relatively high income bar ($60K personal / $100K household) narrows who can realistically qualify
Base earn rate outside bonus categories is only 1 point/$1
Aeroplan points aren’t transferable to other loyalty programs — value is tied to Air Canada’s own program
Cash advance APR is unclear — TD’s own pages disagree (21.99% vs. 22.99%)

Rewards & Earn Rates

Gas, EV charging & groceries1.5 pts/$1up to $80,000/yr combined with Air Canada spend

Direct Air Canada purchases1.5 pts/$1same combined annual cap

Hyatt hotel stays1.5 pts/$1plus 1 bonus World of Hyatt point per $1

Everything else1 pt/$1

Aeroplan members also earn points twice at 150+ Aeroplan partner brands and 200+ online retailers when their Aeroplan number is provided at checkout — a program-level benefit, not a card-specific multiplier.

Note: TD’s Welcome Guide doesn’t explicitly state what rate applies once you cross the $80,000/year combined bonus-category cap. Treat spend above that threshold as reverting to the base 1 pt/$1 rate until TD confirms otherwise.

Perks & Benefits

Lifestyle Perks

First checked bag free (up to 23kg) for you plus up to 8 companions on the same reservation
Up to 25,000 Status Qualifying Credits annually toward Aeroplan Elite Status
NEXUS application fee rebate, up to $100, once every 48 months
Visa Infinite Concierge service, available 24/7
Visa Infinite Dining Series and Luxury Hotel Collection access
10%+ discount on Avis and Budget car rentals
Aeroplan Family Sharing — pool points across up to 8 family members

Travel Insurance

Emergency travel medical insurance up to $2,000,000 (21 days/trip; 4 days if 65+)
Trip cancellation/interruption up to $1,500–$5,000/person
Flight/trip delay up to $500 (delays of 4+ hours)
Delayed/lost baggage up to $1,000/person
Common carrier travel accident up to $500,000
Auto rental collision/loss damage waiver, up to 48 consecutive days

Worth Knowing

Aeroplan is a single-program currency — no transfer flexibility to other loyalty programs
Balance transfer APR is not published by TD

Who It’s For

Best For

Air Canada flyers who’ll use the free checked bag and Elite Status credits every year
Households that meet the $60K/$100K income requirement and travel internationally
Cardholders whose spending fits the 1.5x categories (gas, groceries, EV charging)

Not For

Infrequent flyers who won’t fly Air Canada or use Aeroplan redemptions
Anyone below the $60K personal / $100K household income requirement
Readers who want flexible, transferable points instead of a single-airline program
Anyone carrying a balance, given the unclear cash advance rate

Not Sure? Three Cards People Compare It With

All travel cards →

Marriott Bonvoy Business American Express Card

Pick this instead if most of your spending is travel (~4.5% est.).

Fee $150Rating 4.2 ★Bonus $720

Read review

American Express Aeroplan Business Reserve Card

Pick this instead if you want a bigger welcome bonus (~$1,800 est.).

Fee $599Rating 4.2 ★Bonus $1,800

Read review

RBC British Airways Visa Infinite

Pick this instead if travel insurance matters more to you.

Fee $165Rating 4.2 ★Bonus $850

Read review

Frequently Asked Questions

What is the annual fee for the TD Aeroplan Visa Infinite Card?

The TD Aeroplan Visa Infinite Card has an annual fee of $139/year for the primary cardholder; $75/year for each additional cardholder.

What is the rewards rate on the TD Aeroplan Visa Infinite Card?

The TD Aeroplan Visa Infinite Card offers: 1.5 Aeroplan points per $1 on gas, EV charging, groceries, and direct Air Canada purchases (up to $80,000 in combined annual spend); 1.5 points per $1 on Hyatt hotel stays, plus 1 bonus World of Hyatt point per $1; 1 point per $1 on all other purchases; 2x points at 150+ Aeroplan partner brands and 200+ online retailers

Does the TD Aeroplan Visa Infinite Card have a welcome bonus?

Up to 50,000 Aeroplan points — 10,000 on your first purchase, 15,000 after spending $3,000 in the first 90 days, and 25,000 more on your first anniversary after spending $12,000 in the first 12 months — plus a first-year annual fee rebate. TD states this offer is worth up to $1,550 in value. Offer shown is effective as of September 1, 2026, with no stated expiry date. TD notes that offers may be changed or withdrawn at any time, so confirm current terms directly with TD before applying. The exact dollar amount of the first-year fee rebate was not itemized in the terms reviewed.

What credit score do I need to qualify for the TD Aeroplan Visa Infinite Card?

Generally, you’ll want a very good credit score to be considered for the TD Aeroplan Visa Infinite Card. Approval also depends on income and overall credit history, not credit score alone.

Does the TD Aeroplan Visa Infinite Card charge foreign transaction fees?

2.5%