TD Aeroplan Visa Infinite Card Review 2025: 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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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.
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. Offer effective as of September 4, 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 20,000 points when you spend $12,000 within 12 months of account opening.
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).
However, using NerdWallet’s average 1.60-cent valuation for Aeroplan points, the same 45,000 Aeroplan points may be worth $720, putting the first-year value at roughly $1,274, depending on how you redeem and which benefits you use.
Plus, the travel insurance that comes with the TD Aeroplan Visa Infinite could offer thousands in value, should you ever need to put it to use.
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; 15,000 points when you spend $7,500 within 180 days of account opening; plus, a one-time anniversary bonus of 20,000 points when you spend $12,000 within 12 months of account opening.
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 breakdown
NerdWallet's take
NerdWallet's take
Card details
Card details
Rewards breakdown
Rewards breakdownNerdWallet's take
NerdWallet's takeCard details
Card detailsReasons 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 $7,500 within 180 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 effective as of September 4, 2025. |
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?
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?
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?
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.
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Shannon Terrell
Shannon Terrell