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Best for travellers who fly Air Canada and want to earn points on groceries and gas.
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.
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.
TD® Aeroplan® Visa Infinite* Card
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Annual Fee$139
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Interest Rates20.99% / 22.99%20.99% on purchases, 22.99% on cash advances.
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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.
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Intro OfferUp to 50,000 PointsEarn up to 50,000 Aeroplan points†: Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†. Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†. Account must be approved by June 3, 2024.
- Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†), and additional travel benefits. Account must be approved by June 3, 2024.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card†.
- Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†.
- Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening†.
- Earn 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.
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Interest Rates: 20.99% on purchases and 22.99% on cash advances.
- Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
- Complimentary Visa Infinite Concierge†: On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card.
- Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
- Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
- Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
- To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
- †Terms and conditions apply.
- This offer is not available for residents of Quebec.
- The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
TD Aeroplan Visa Infinite Card full review
The TD Aeroplan Visa Infinite Card is one of four TD Bank credit cards that earn Aeroplan points. You can redeem your points for flights, hotel stays, car rentals, merchandise, gift cards and more.
Benefits of the TD Aeroplan Visa Infinite Card
- Robust travel insurance offerings.
- One free checked bag per person on Air Canada flights.
- 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, and more.
Drawbacks of the TD Aeroplan Visa Infinite Card
- Annual fee for average perks. 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.
- Minimum annual income requirements, which may exclude some applicants.
- No airport lounge access.
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. With that in mind, 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.
Is TD Aeroplan Visa Infinite Card worth it?
Whether the TD Aeroplan Visa Infinite Card is worth it comes down to your spending habits. One Aeroplan point has an average value of 2.23 cents, according to NerdWallet’s analysis. So, you’d need to earn at least 6,233 Aeroplan points to recoup the card’s annual fee of $139.
TD Bank customer ratings
- Low in customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study[1].
- Low Trustpilot rating: TD Bank scored 1.3 out of 5 possible stars based on over 2,100 customer reviews, as of this writing.
- Low Better Business Bureau customer rating: TD Bank scored 1.1 out of 5 possible stars based on over 280 customer reviews, as of this writing.
TD Aeroplan Visa Infinite Card 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 the following income requirements:
- A minimum annual income of $60,000 for an individual, or;
- $100,000 for a household.
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. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.
Want to learn more? Visit our “What Credit Score is Needed for a Credit Card?” page.
TD Aeroplan Visa Infinite Card rewards
Earn up to 50,000 Aeroplan points. Conditions apply. Account must be approved by June 3, 2024.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card.
- Earn 20,000 points when you spend $6,000 within 180 days of account opening.
- Earn a one-time anniversary bonus of 20,000 points when you spend $10,000 within 12 months of account opening.
- 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.
- Twice the points when you use the card at eligible retailers and provide your Aeroplan number.
- 50% more points at Starbucks when you link your card to a Starbucks account.
According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. So, the 50,000 Aeroplan points may be worth a little under $1,115 on average, depending on how the points are redeemed.
A quick caveat: You don’t receive any bonus points until you start spending with the card. You’ll earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase; 20,000 points when you spend $6,000 within 180 days of account opening; plus, an anniversary bonus of 20,000 points when you spend $10,000 within 12 months of account opening.
You also get NEXUS application fee rebates of up to $100 every 48 months with the TD Aeroplan Visa Infinite.
And, you (plus up to eight companions) get one complimentary checked bag per traveller on Air Canada flights, which could save you upwards of $60 on an economy round trip ticket 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.
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 worth 2.23 cents.
More specifically, you can expect to get around:
- 1.69 cents in value per Aeroplan point for economy class awards on Air Canada, and
- 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, residential status and mortgage or rent payments.
- 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.
TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card
Both of these travel cards earn rewards, but their rewards programs differ.
| TD Aeroplan Visa Infinite Card | TD First Class Travel Visa Infinite Card | |
|---|---|---|
| Annual fees | $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. |
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| Benefits |
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Reasons you might want a different card
The TD Aeroplan Visa Infinite Card has plenty to offer, but it may not be the right choice for you if:
- You don’t want a credit card with an annual fee.
- You don’t travel with Air Canada very often.
- You don’t meet the minimum income requirements.
- You want airport lounge access or other travel perks the TD Aeroplan Visa Infinite Card doesn’t offer.
- 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. If you are specifically interested in a travel card that includes lounge access, you can review NerdWallet’s list of the best credit cards that offer lounge access.
TD Aeroplan Visa Infinite Card facts
| TD Aeroplan Visa Infinite Card | |
|---|---|
| Card type | Travel credit card. |
| Fees and interest rates | |
| Annual fee | $139. |
| Regular/purchase APR | 20.99%. |
| Penalty APR | 25.99% if you miss two payments within 12 months. |
| Cash advance APR | 22.99%. |
| Cash advance fee | 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. |
| Balance transfer APR | 3% promotional balance transfer fee. |
| Foreign transaction fee | 2.5% of the transaction amount. |
| Rewards and benefits | |
| Intro offer | Up to 50,000 Aeroplan points. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card. Earn 20,000 points when you spend $6,000 within 180 days of account opening. Plus, earn an anniversary bonus of 20,000 points when you spend $10,000 within 12 months of account opening. Conditions apply. Account must be approved by June 3, 2024. |
| Reward earn rates |
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| Other perks |
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| Insurance coverage | |
| Travel accident | Up to $500,000. |
| Travel medical | Up to $2,000,000 for medical emergencies. |
| Flight delay | Up to $500 per person to cover the cost of meals and accommodations. |
| Lost or delayed baggage | Up to $1,000 per person per trip. |
| Hotel burglary | Up to $2,500 of coverage for personal items stolen from a hotel or motel room on a trip. |
| Trip cancellation | Up to $1,500 per person up to $5,000 per trip. Plus, up to $5,000 per person up to $25,000 per trip for trip interruptions. |
| Rental car theft/damage | For up to 48 days. |
| Extended warranty | Up to one additional year. |
| Purchase Protection | 90 days. |
| Mobile Device Protection | Up to $1,000. |
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
No, there is currently no airport lounge access with this card.
Visa Infinite Privilege cards tend to come with more perks and higher rewards earn rates than Visa Infinite cards. But with those benefits comes steeper annual fees and income requirements.
Interested in a Visa Infinite Privilege card? Check out our full review of the TD Aeroplan Visa Infinite Privilege for more information.
Article Sources
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J.D. Power, “J.D. Power 2023 Canada Credit Card Satisfaction Study,” accessed October 12, 2023.
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