Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

Best for travel bugs who fly Air Canada, and want to earn extra points at the grocery store and gas pumps.
Frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this travel rewards credit card.
Learn more about how we evaluate cards.
TD® Aeroplan® Visa Infinite* Card
-
Annual Fee$139
-
Interest Rates20.99% / 22.99%20.99% on purchases, 22.99% on cash advances.
-
Rewards Rate1x-1.5x PointsEarn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card. Earn 1 point† for every $1 spent on all other Purchases made with your Card.
-
Intro OfferUp to 70,000 PointsEarn up to 70,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 40,000 Aeroplan points when you spend $5,000 within 180 days of Account opening†. Plus, earn an anniversary bonus of 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening†. Must apply by September 5, 2023.
The TD Aeroplan Visa Infinite Card provides access to exclusive food, golf and drink experiences, making it an excellent choice for shoppers with a taste for the finer things. The $7,500 spending target in the first year should put the introductory point offers within reach for many cardholders.
Pros
- A low annual fee and unique perks, including 10% off car rentals at Avis and Budget.
- Earn points twice when you provide your Aeroplan number.
Cons
- Opportunities for earning more than 1.5x the points are rather limited.
- Some perks, like a once-every-four-years NEXUS rebate, might not blow your hair back.
TD Aeroplan Visa Infinite Card pros and cons
Pros
- Accelerated Aeroplan points on groceries, gas and Air Canada purchases.
- Rental car discounts.
- One free checked bag per traveller.
- NEXUS fee rebates.
- Travel and rental vehicle insurance coverage.
- Concierge support and exclusive hotel, food and event experiences.
Cons
- Opportunities to earn more than 1.5x the points are rather limited.
- Some perks, like a once-every-four-years NEXUS rebate and once-a-year airport lounge access, might not blow your hair back.
TD Aeroplan Visa Infinite Card full review
The TD Aeroplan Visa Infinite Card is a travel rewards credit card that earns Aeroplan points from Air Canada’s loyalty program. Cardholders earn one Aeroplan point per dollar spent, with accelerated earning rates on eligible grocery stores, gas stations and Air Canada purchases.
Benefits of the TD Aeroplan Visa Infinite Card
The TD Aeroplan Visa Infinite Card earns Aeroplan points and offers robust travel insurance. You’ll also get one free checked bag per person on Air Canada flights and NEXUS fee rebates of up to $100 every 48 months. Access to the Visa Infinite program, which offers a 24/7 concierge and gourmet food and wine event opportunities, is also included.
Drawbacks of the TD Aeroplan Visa Infinite Card
While this card’s $139 annual fee is on par with other rewards cards, it’s possible to get a credit card without a yearly fee. The TD Aeroplan Visa Infinite Card also has an annual income requirement: $60,000 for an individual or $100,000 for a household, which may exclude some applicants.
Airport lounge passes are only available once per year — and only on flights booked with Aeroplan points.
Is TD Bank reliable and secure?
The Toronto Dominion Bank, or TD Bank, is one of Canada’s Big Six Banks. It offers personal and business banking services to over 27 million customers worldwide. Its branch and ATM network spans every province and territory except Nunavut.
TD Bank has Canada Deposit Insurance Corporation (CDIC) insurance, which covers customer deposits up to $100,000 in the unlikely event TD goes under. TD Bank credit card transactions are also protected from losses that result from unauthorized transactions through Visa Secure.
TD Bank customer satisfaction ratings
TD Bank ranks 11th (and below industry average) in customer satisfaction with credit card issuers, according to J.D. Power’s 2022 Canada Credit Card Satisfaction Study, a survey of 6,478 cardholders in Canada [1]. Card issuers were rated on their benefits and services, communication, card terms, customer support and rewards. The credit card issuers with the highest customer satisfaction ratings in the survey were Tangerine Bank, Canadian Tire and American Express.
At the time of this writing, TD Bank had a Trustpilot rating of 1.3 out of 5 possible stars, based on more than 1,600 customer reviews.
At the time of this writing, TD Bank had a Better Business Bureau rating of 1.33 out of 5 possible stars, based on more than 60 customer reviews.
TD Aeroplan Visa Infinite Card details and eligibility
Who qualifies for the TD Aeroplan Visa Infinite Card?
You must be a Canadian resident and at least the age of majority for your province or territory to be eligible for the TD Aeroplan Visa Infinite Card. You’ll also need to meet credit score and income requirements.
Approximate credit score needed for approval
Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. It also means any score suggestion we make would be our best guess — which may not be accurate and could result in card application rejections. We don’t want that.
Suggesting that you’d need a “good” or “excellent” score would also be confusing, because the meaning of those terms can vary depending on the rating system card issuers use.
Instead, we’ll tell you what we do know: higher scores have better chances of approval — that’s true no matter what type of credit you’re applying for. Visit our “What Credit Score is Needed for a Credit Card?” page to learn more.
» MORE: How to Check Your Credit Score
Income requirements
A minimum annual income of $60,000 for an individual or $100,000 for a household is required to qualify for the TD Aeroplan Visa Infinite Card.
Who should get the TD Aeroplan Visa Infinite Card?
The TD Aeroplan Visa Infinite earns Aeroplan points and offers its highest earn rate on groceries, gas and Air Canada purchases. Frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this credit card’s travel rewards program.
How to know if the TD Aeroplan Visa Infinite Card is right for you
The TD Aeroplan Visa Infinite Card might be a practical choice if you typically use your credit card at the grocery store and gas station and frequently fly Air Canada.
» MORE: Best Aeroplan Rewards Cards in Canada
Value of the TD Aeroplan Visa Infinite Card’s welcome offer: $1,100+
The intro offer for the TD Aeroplan Visa Infinite Card includes up to 70,000 Aeroplan points and additional travel benefits.
According to NerdWallet analysis, the average value of 1 Aeroplan point is 1.69 cents. So, the 70,000 Aeroplan points may be worth about $1,100, depending on how the points are redeemed.
(A quick caveat: You don’t get 10,000 Aeroplan points just for opening the account. You’ll get 10,000 points when you make your first purchase. To receive the next 40,000 bonus Aeroplan points, you must spend at least $5,000 within the first 180 days of account ownership. You can also receive 20,000 “anniversary bonus” Aeroplan points when you spend $7,500 within the first year of having the card.)
You also get NEXUS application fee rebates of up to $100 every 48 months with the TD Aeroplan Visa Infinite.
You also get one complimentary checked bag per traveller on the same reservation on Air Canada flights — which typically saves $30 on one-way economy tickets across Canada, the US and the Caribbean. Plus, the travel insurance that comes with the TD Aeroplan Visa Infinite could be worth thousands, should you ever need to put it to use.
Is the TD Aeroplan Visa Infinite Card worth it?
It could be — but it all comes down to your spending habits. If one Aeroplan point has an average value of 1.69 cents, you’d need to earn 8,225 Aeroplan points to recoup the card’s annual fee of $139.
The TD Aeroplan Visa Infinite Card offers 1.5 Aeroplan points per $1 spent on eligible gas, grocery and Air Canada purchases. To earn the 8,225 Aeroplan points needed to offset the card’s annual fee, you’d need to spend at least $5,483 per year on groceries, gas and Air Canada flights — or more on purchases outside of those categories, which only earn 1 Aeroplan point per $1 spent.
Point value breakdown
NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights.
- Based on our analysis, the average value of 1 Aeroplan point is 1.69 cents.
More specifically, you can expect to get:
- Around 1.69 cents in value per Aeroplan point for economy class awards on Air Canada.
- Around 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.
How to apply for the TD Aeroplan Visa Infinite Card
You can complete the TD Aeroplan Visa Infinite Card application from TD Bank’s website:
- Select the Apply Online button from the TD Aeroplan Visa Infinite Card’s page on TD Bank’s website.
- Select your province of residence.
- Review the card’s terms and conditions and select I Agree to continue.
- Enter your personal details, including your full name, date of birth, phone number, email address and residential address.
- Tell TD Bank about your employment status.
- Tell TD Bank about your finances, including your annual personal income, household income and residential status.
- Review the information you’ve submitted and select your preferred credit limit.
- Add personal information for any additional cardholders you’d like to add to the account.
- Review the card’s insurance coverage and terms and conditions.
- Submit your application.
How to maximize the benefits of the TD Aeroplan Visa Infinite Card
Get the most from your TD Aeroplan Visa with the following tips:
- Enroll for NEXUS. Receive a NEXUS fee rebate of up to $100 every 48 months.
- Pool your Aeroplan points. The Aeroplan Family Sharing program lets you combine your Aeroplan points with up to eight family members.
- Fly Air Canada. Primary and additional cardholders and up to eight travel companions each get one free checked bag when flying with Air Canada.
- Use your card for car rentals. To be covered by this card’s vehicle rental insurance coverage, you must book the rental using your TD Aeroplan Visa Infinite Card.
- Pay your bill on time. Fail to make your minimum payment, and TD will enforce a penalty APR of 25.99%. This penalty APR will stay in place until you’ve made 12 consecutive payments on time. Your account may fall into default if you continue to miss payments.
Alternatives to the TD Aeroplan Visa Infinite Card
If you already bank with TD and you’d like to keep your accounts under one roof, the TD Aeroplan Visa Platinum Card might be worth a look — it also earns Aeroplan points but has a lower annual fee. Or, if you don’t feel that loyal to Air Canada, consider the TD First Class Travel Visa Infinite Card: a TD travel card that earns TD points instead of Aeroplan rewards.
If travel rewards don’t appeal, numerous card alternatives exist, including cash back cards, cards with no annual fees and more.
» MORE: Read our in-depth review of TD Cash Back Visa Infinite Card
Reasons you might want a different card
The TD Aeroplan Visa Infinite Card has plenty to offer, but there are a few circumstances where it won’t be ideal:
- You don’t want a credit card with an annual fee.
- You don’t travel Air Canada very often.
- You don’t meet the minimum income requirements.
- You’d prefer to earn a different reward, like cash back.
If you bank with TD and are looking for a credit card, you can review the credit card types, rewards and perks that come with other TD Bank credit cards.
TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card
Both of these travel cards earn rewards, but their annual fees and rewards programs differ.
TD Aeroplan Visa Infinite Card | TD First Class Travel Visa Infinite Card | |
---|---|---|
Annual fee | $139 | $139 |
Minimum annual income | $60,000 for an individual or $100,000 for a household. | $60,000 for an individual or $100,000 for a household. |
Rewards | Aeroplan points can be redeemed for Air Canada airfare, hotel rooms, car rentals, merchandise and more. | TD points can be redeemed for travel-related purchases, Amazon.ca purchases, cash back, gift cards and more. |
Benefits | Travel insurance. Car rental discounts. Visa Infinite perks. One free checked bag on Air Canada flights. | Travel insurance. Car rental discounts. Visa Infinite perks. $100 annual travel credit on a travel purchase of $500 or more. |
TD Aeroplan Visa Infinite Card facts
TD Aeroplan Visa Infinite Card | |
---|---|
Card Type | Travel credit card |
Interest Rates | |
Regular/purchase APR | 20.99% |
Cash advance APR | 22.99% |
Penalty APR | 25.99% after two missed minimum payments within any 12 consecutive statement periods. |
Fees | |
Annual fee | $139. |
Balance transfer | 3% promotional balance transfer fee. |
Cash advance | 1% of any cash advance transaction made in Canada. If the fee is less than $3.50, TD Bank charges a minimum cash advance fee of $3.50 up to a maximum of $10. Cash advance transactions outside Canada cost $5. |
Foreign transaction | 2.5% of the transaction amount. |
Reward Earn Rates | |
Signup Bonus or Welcome Offer | 70,000 points. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Earn 40,000 Aeroplan points when you spend $5,000 within 180 days of Account opening. Plus, earn an anniversary bonus of 20,000 Aeroplan points when you spend $7,500 within 12 months of Account opening. Must apply by September 5, 2023. |
Rewards and benefits | 1.5 points for every $1 spent on groceries, gas and Air Canada purchases, like flights. 1 point for every $1 spent on all other purchases. |
Other perks | |
Free first checked bag on Air Canada flights. You, your additional cardholders and up to eight travel companions get one free checked bag each when you fly with Air Canada. NEXUS application fee rebates. Receive a NEXUS application fee rebate of up to $100 every 48 months. Aeroplan Family Sharing. Combine Aeroplan points with up to eight family members to redeem bigger rewards sooner. Visa Infinite Concierge. Gain access to the Visa Infinite Concierge service team 24 hours a day to book travel accommodations, shopping, dining reservations and more. Visa Infinite Luxury Hotel perks. Take advantage of exclusive cardholder benefits when you book a stay on a property from the Visa Infinite Luxury Hotel Collection. Visa Infinite Dining Series. Access gourmet culinary events through the Visa Infinite Dining program. Visa Infinite Wine Country Program. Tap into exclusive perks at over 95 wineries across Canada and the U.S. when you show your TD Aeroplan Visa Infinite Card. Visa Infinite Entertainment Access. Receive ticket offers to special events across Canada, including the Toronto International Film Festival. Visa Infinite Troon Golf. Enjoy Troon Rewards Silver Status at over 95 golf courses alongside 10% off green fees, lessons and merchandise at Troon Rewards golf courses. Rental car discounts. Save a minimum of 10% off the lowest base rates for rental cars through Avis Rent A Car and Budget Rent A Car locations in Canada and the US. |
|
Insurance coverage | |
Extended warranty | Up to one additional year. |
Purchase protection | 90 days. Some exceptions apply. |
Travel Medical Insurance | Up to $2,000,000 for medical emergencies. |
Flight and Trip Delay Insurance | Up to $500 per person to cover the cost of meals and accommodations. |
Delayed and Lost Baggage Insurance | Up to $1,000 per person per trip to cover the cost of emergency essentials, like toiletries and clothes. |
Trip Cancellation and Trip Interruption Insurance | Up to $1,500 per person up to $5,000 per trip for costs that arise from a cancelled trip from a covered cause, such as a medical emergency. Up to $5,000 per person up to $25,000 per trip covers expenses that arise from having to cancel the remainder of a trip in progress from covered causes. |
Common Carrier Travel Accident Insurance | Up to $500,000 for injury and loss, including loss of life, that take place on common carriers, like planes, trains, buses and ferries. |
Hotel and Motel Burglary Insurance | Up to $2,500 of coverage for personal items stolen from a hotel or motel room on a trip. |
Mobile Device Protection | Up to $1,000 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply. |
Rental Car Theft & Damage | For up to 48 days. Some exceptions apply. |
Rating Methodology
NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.
Frequently asked questions about TD Aeroplan Visa Infinite Card
Yes, but only for one visit per year, and only if you use your Aeroplan points to book the flight.
Visa Infinite Privilege cards tend to have higher annual fees and income requirements than Visa Infinite cards. Besides other differences, you may want to consider the various card tiers the Visa credit cards fall under.

How to Choose a Travel Credit Card
Seventy-one percent of Canadian adults plan to travel this year, according to a March 2022 NerdWallet survey conducted online by The Harris Poll among 1,018 Canadians. Of those planning to travel in 2022, many say it’s because they need a break or to get away (42%) or they want to visit friends and family (39%) […]

25 Best Travel Credit Cards in Canada for June 2023
Explore the best travel credit cards in Canada for daily spending, flexible travel rewards, big welcome bonuses and more.

2022 Canadian Holiday Travel Report
The holidays are upon us, and for many Canadians, celebration plans include travel. This year, nearly 2 in 5 Canadians (37%) plan to spend money on flights or hotel stays during the 2022 holiday season. And most of those 2022 holiday travellers say they’ll use various strategies to save for holiday travel, like choosing flights […]

American Express Aeroplan Card Review
The American Express Aeroplan Card is a charge card that allows cardmembers to earn Aeroplan points with each purchase.