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TD Aeroplan Visa Infinite Card Review 2024: Is It Worth It?

Jan 18, 2024Frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this travel rewards credit card.
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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.

Annual fee$139First year rebate available
Regular APR20.99% / 22.99%
Rewards rate1x-1.5x Points
APPLY NOW
on TD's website

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 1.60 cents, according to NerdWallet’s analysis. So, you’d need to earn at least 8,687 Aeroplan points to recoup the card’s annual fee of $139.

TD Bank customer ratings

  • Below average customer satisfaction: TD Canada Trust ranks 10th out of 13 issuers in J.D. Power’s 2024 Canada Credit Card Satisfaction Study. The TD Aeroplan Visa Infinite Card ranked 8th out of 15 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 50,000 Aeroplan points. Conditions apply. Account must be approved by January 6, 2025.

  • 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 $7,500 within 180 days of account opening. 

  • Earn a one-time anniversary bonus of 25,000 points when you spend $12,000 within 12 months of account opening.

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 1 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, and

  • 1.80 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:

  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, residential status and mortgage or rent payments.

  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.

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.

Annual fee
$139
First year rebate available
Regular APR
20.99% / 22.99%
Rewards rate
1x-1.5x Points
Sign-up bonus
Up to 50,000 Points
Recommended credit scoreN/A
APPLY NOW
on TD's website

TD First Class Travel® Visa Infinite* Card
APPLY NOW
on TD's website
Annual fee
$139
Waived first year
Regular APR
20.99% / 22.99%
Rewards rate
2x-8x Points
Sign-up bonus
Up to 135,000 Points
Recommended credit score660-724

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

$139.00

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 15,000 points when you spend $7,500 within 180 days of account opening. Plus, earn a one-time anniversary bonus of 25,000 points when you spend $12,000 within 12 months of account opening. Conditions apply. Account must be approved by January 6, 2025.

Reward earn rates

1.5x Aeroplan points for every $1 spent on groceries, gas and Air Canada purchases, like flights.

1x Aeroplan 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.

Other perks

Free first checked bag on Air Canada flights for you, your additional cardholders and up to eight travel companions.

Up to $100 NEXUS application fee rebates every 48 months.

Combine Aeroplan points with up to eight family members to redeem bigger rewards sooner.

Access to the Visa Infinite Concierge service team 24 hours a day.

Visa Infinite Luxury Hotel perks.

Access gourmet culinary events through the Visa Infinite Dining program.

Tap into exclusive perks at over 95 wineries across Canada and the U.S. when you show your TD Aeroplan Visa Infinite Card.

Receive ticket offers to special events across Canada, including the Toronto International Film Festival.

Enjoy Troon Rewards Silver Status at over 95 golf courses alongside 10% off green fees, lessons and merchandise at Troon Rewards golf courses.

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, and 5% off internationally.

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 TOP

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


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.