TD Aeroplan Visa Infinite Card
CREDIT CARD REVIEW
🎁 Up to 40,000 Aeroplan points + first-year fee rebate
MoneyMint Rating: 3.2/5 — based on our published rating criteria (rewards value, fees, flexibility, and eligibility transparency). Not sponsored by TD.
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 40,000 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.
At a Glance
Annual fee
$139/yr$75/yr per additional card; first-year rebate offered
Purchase APR
21.99%confirmed on TD’s official page
Cash advance APR
22.99%one TD page shows 21.99% — confirm before carrying a balance
Welcome bonus
Up to 40,000 ptsplus first-year fee rebate, ~$1,350 claimed value
Foreign transaction fee
2.5%via TD’s official FAQ tool, not on the product page itself
Rewards currency
Aeroplan pointsVisa Infinite network
Income requirement
$60K / $100Kpersonal / household — credit score not published
Issuer
TD Canada TrustVisa Infinite
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 $1,350 in claimed value, including a first-year annual fee rebate
- Up to 25,000 Status Qualifying Credits per year toward Aeroplan Elite Status
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
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.
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
Key Drawbacks to Know Before Applying
TD’s own pages disagree on this card’s cash advance APR (21.99% on one page, 22.99% on another) — confirm your actual rate before carrying any balance. The 1.5x bonus categories are also capped at $80,000 in combined annual spend, and TD doesn’t clearly state what rate applies above that cap, so budget for the base 1 point/$1 rate on anything you’re not sure about. And because Aeroplan points are a single-program currency tied to Air Canada’s own dynamic pricing, this card carries more redemption risk than a card with flexible, transferable points.
This is general information, not personalized financial advice — consider your own spending habits and consult a professional for decisions specific to your situation. Rates, fees, and offers are set by TD and can change without notice; always confirm current terms on the issuer’s official page before applying.