TD Aeroplan Visa Infinite Card Review 2026: Is It Worth It?
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 groceries, gas, electric vehicle charging and Air Canada purchases.
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Points for every $1 spent on eligible gas and electric vehicle charging purchases.
Points for every $1 spent on eligible grocery purchases.
Points for every $1 spent on eligible direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Point for every $1 spent on all other Purchases made with your Card.
With a full suite of travel insurances, free checked bags for up to 8 companions, family point sharing, rental car perks and no blackouts or restrictions on travel bookings, the TD Aeroplan Visa Infinite card checks a lot of boxes. However, the $139 annual fee may be too steep for some users, and anyone looking for airport lounge access won’t find it here. Best for: Families who fly Air Canada and spend big on everyday purchases.
Pros
- Rental car discounts.
- Free checked bags.
- NEXUS rebates.
Cons
- Low max earn rate (1.5x points).
- Slightly higher than average $139 annual fee for a travel card.
- Up to $1,450 in value† including up to 45,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply. Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†. Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
- Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, 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 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. 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.
- 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.
- 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.
The TD Aeroplan Visa Infinite earns Aeroplan points and offers a high earn rate (1.5x points) on groceries, gas, electric vehicle charging 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.
Robust travel insurance offerings.
One free checked bag per person on Air Canada flights.
Partial 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.
Annual fee for average perks. While this card’s $139 annual fee is on par with other travel cards, it’s possible to get a travel credit card without a yearly fee
Minimum annual income requirements, which may exclude some applicants.
No airport lounge access.
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 1.60 cents, according to NerdWallet’s analysis. So, you’d need to earn at least 8,688 Aeroplan points to recoup the card’s annual fee of $139 (which is waived in the first year).
TD Bank customer ratings
Below average customer satisfaction: TD Canada Trust ranks 9th out of 14 issuers in J.D. Power’s 2025 Canada Credit Card Satisfaction Study. The TD Aeroplan Visa Infinite Card ranked 8th out of 13 cards that charge an annual fee.
Low Trustpilot rating: TD Bank scored 1.4 out of 5 possible stars based on over 2,300 customer reviews, as of this writing.
Low Better Business Bureau customer rating: TD Bank Financial Group scored 1.37 out of 5 possible stars based on just 60 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 45,000 Aeroplan points, plus no annual fee for the first year. Conditions apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card.
Earn 15,000 points when you spend $3,000 within 90 days of account opening.
Earn a one-time anniversary bonus of 20,000 points when you spend $12,000 within 12 months of account opening.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
1.5 points for every $1 spent on groceries, gas, electric vehicle charging 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.
TD Bank advertises up to $1,450 in first-year value, based on:
$214 for the first-year annual fee rebate (primary and one additional cardholder),
$140 in first checked bag savings for two travellers on one round-trip,
$200 in NEXUS statement credits (primary and one additional cardholder),
$900 value for the 45,000-point welcome offer (based on a $0.02/points redemption value).
Plus, the travel insurance that comes with the TD Aeroplan Visa Infinite could offer thousands in coverage, should you ever need to put it to use.
However, using NerdWallet’s average 1.60-cent valuation for Aeroplan points, the same 45,000 Aeroplan points may be worth $720, putting the overall first-year value at roughly $1,300, depending on how you redeem and which benefits you use.
Aeroplan point value breakdown
NerdWallet searched more than 50 flights in 2024 to determine the average value for Air Canada flights. Based on our analysis, the average value of one Aeroplan point is worth 1.60 cents.
More specifically, you can expect to get around
1.29 cents in value per Aeroplan point for economy class awards on Air Canada.
1.80 cents in value per Aeroplan point for business class awards on Air Canada flights.
Based on this data, if the value of your redemption is worth at least 1.29 cents per point, then you should book your flight on points. If the value you’re getting falls below this threshold, you’re better off paying cash and saving your points.
TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card
Both of these TD credit cards earn rewards, but their rewards programs differ.
Rewards breakdown
Rewards breakdownPoints for every $1 spent on eligible gas and electric vehicle charging purchases.
Points for every $1 spent on eligible grocery purchases.
Points for every $1 spent on eligible direct through Air Canada® purchases (including Air Canada Vacations®) made with your card.
Point for every $1 spent on all other Purchases made with your Card.
NerdWallet's take
NerdWallet's takeWith a full suite of travel insurances, free checked bags for up to 8 companions, family point sharing, rental car perks and no blackouts or restrictions on travel bookings, the TD Aeroplan Visa Infinite card checks a lot of boxes. However, the $139 annual fee may be too steep for some users, and anyone looking for airport lounge access won’t find it here. Best for: Families who fly Air Canada and spend big on everyday purchases.
Pros
- Rental car discounts.
- Free checked bags.
- NEXUS rebates.
Cons
- Low max earn rate (1.5x points).
- Slightly higher than average $139 annual fee for a travel card.
Card details
Card details- Up to $1,450 in value† including up to 45,000 Aeroplan points† could be yours and receive an annual fee rebate for the first year†. Conditions Apply. Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†. Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†. Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
- Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, 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 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. 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.
- 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.
- 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.
Rewards breakdown
Rewards breakdownPoints for every $1 you spend when you book travel through Expedia® For TD†.
Points for every $1 you spend on Groceries, Dining, and Public Transit†.
Points for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
Points for every $1 you spend on other Purchases made using your Card†.
NerdWallet's take
NerdWallet's takeAvid Expedia users will get the most out of this card, with its top earn rate (8x TD points) on bookings made through the travel platform. An annual travel credit, airport lounge access and insurances round out this card as a solid pick for jetsetters. But the $139 may be too steep for some, and if you don’t use Expedia, the rewards may not be as fruitful. Best for: Frequent travellers and Expedia surfers who spend big on groceries, dining, and transit.
Pros
- $100 travel credit, annually.
- Airport lounge access and four free passes.
- Comprehensive travel insurance.
Cons
- Higher than average $139 annual fee for points card.
- Top earn rate (8x points) only applies to Expedia bookings.
Card details
Card details- Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)*.
- To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
- Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- Earn 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points.
- Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
- No travel blackouts†, no seat restrictions† and no expiry† for your TD Rewards Points as long as your account is open and in good standing.
- Each year, you will receive one $100.00 TD Travel Credit on your first Eligible Travel Credit Purchase of $500.00 or more made with Expedia For TD and posted to the Account in a calendar year.
- Interest Rates: 21.99% on purchases and 22.99% on cash advances.
- Go Places on Points: Your Points are worth more when you redeem through Expedia® For TD: Search over a million flights, hotels, packages and more! When you’re ready to book, you can redeem† your TD Rewards Points towards your travel purchase right away.
- 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.
- To be eligible, $60,000 (individual) or $100,000 (household) annual income is required. Also, you must have a Canadian credit file and be a Canadian resident of 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.
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 | |
Fees and interest rates | |
Annual fee | $139.00 |
Regular/purchase APR | 21.99%. |
Penalty APR | 26.99% 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. |
Promotional balance transfer fee | Up to 5% promotional balance transfer fee. |
Foreign transaction fee | 2.5% of the transaction amount. |
Rewards and benefits | |
Intro offer | Up to 45,000 Aeroplan points. Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card. Earn 15,000 points when you spend $3,000 within 90 days of account opening. Plus, earn a one-time anniversary bonus of 20,000 points when you spend $12,000 within 12 months of account opening. Conditions apply. Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated. |
Reward earn rates |
|
Other perks |
|
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. |
Methodology
BACK TO TOPFrequently asked questions
Does TD Aeroplan Visa Infinite Card have airport lounge access?
No, there is currently no airport lounge access with this card.
What’s the difference between Visa Infinite and Visa Infinite Privilege?
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.
How do I apply for the TD Aeroplan Visa Infinite Card?
You can apply for the TD Aeroplan Visa Infinite Card online on TD’s website or at any TD branch.
DIVE EVEN DEEPER
Shannon Terrell