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Published May 30, 2023

TD Aeroplan Visa Infinite Card Review

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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.

    5.0

    NerdWallet Rating

    Learn more about how we evaluate cards.

    TD® Aeroplan® Visa Infinite* Card

    TD® Aeroplan® Visa Infinite* Card
    • Annual Fee
      $139
    • Interest Rates
      20.99% / 22.99%
    • Rewards Rate
      1x-1.5x Points
    • Intro Offer
      Up to 70,000 Points
    Our Take
    Why we like it

    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

    Cons

    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.

    More specifically, you can expect to get:

    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:

    1. Select the Apply Online button from the TD Aeroplan Visa Infinite Card’s page on TD Bank’s website.
    2. Select your province of residence.
    3. Review the card’s terms and conditions and select I Agree to continue.
    4. Enter your personal details, including your full name, date of birth, phone number, email address and residential address.
    5. Tell TD Bank about your employment status.
    6. Tell TD Bank about your finances, including your annual personal income, household income and residential status.
    7. Review the information you’ve submitted and select your preferred credit limit.
    8. Add personal information for any additional cardholders you’d like to add to the account.
    9. Review the card’s insurance coverage and terms and conditions.
    10. 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:

    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 cardscards 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:

    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 CardTD 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.
    RewardsAeroplan 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.
    BenefitsTravel 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 APR20.99%
    Cash advance APR22.99%
    Penalty APR25.99% after two missed minimum payments within any 12 consecutive statement periods.
    Fees
    Annual fee$139.
    Balance transfer3% 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 transaction2.5% of the transaction amount.
    Reward Earn Rates
    Signup Bonus or Welcome Offer70,000 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 benefits1.5 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 warrantyUp to one additional year.
    Purchase protection90 days. Some exceptions apply.
    Travel Medical InsuranceUp to $2,000,000 for medical emergencies.
    Flight and Trip Delay InsuranceUp to $500 per person to cover the cost of meals and accommodations.
    Delayed and Lost Baggage InsuranceUp to $1,000 per person per trip to cover the cost of emergency essentials, like toiletries and clothes.
    Trip Cancellation and Trip Interruption InsuranceUp 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 InsuranceUp to $2,500 of coverage for personal items stolen from a hotel or motel room on a trip.
    Mobile Device ProtectionUp to $1,000 of mobile device protection in case of loss, theft, accidental damage or mechanical issues. Conditions apply.
    Rental Car Theft & DamageFor 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

      Does TD Aeroplan Visa Infinite Card have airport lounge access?

      Yes, but only for one visit per year, and only if you use your Aeroplan points to book the flight.

      What’s the difference between Visa Infinite and Visa Infinite Privilege?

      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.

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