TDĀ® AeroplanĀ® Visa Infinite* Card review

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Overall rating

First year value

$436

Get this card if you:

  • want to quickly rack up Aeroplan points
  • need comprehensive travel insurance benefits
  • value a great welcome offer

At a glance

The TDĀ® AeroplanĀ® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.

Highlights

$436

First year value

up to 40,000 pts†

Welcome bonus

$139

Annual fee

Additional cardholder is $75† ; Get an annual fee rebate for the first year†

Interest Rates

21.99%

Purchase APR

22.99%

Balance transfer APR

22.99%

Cash advance APR

Eligibility

Excellent

Recommended credit score

$60,000

Required annual personal income

$100,000

Required annual household income

Quick overview of the TDĀ® AeroplanĀ® Visa Infinite* Card

The TDĀ® AeroplanĀ® Visa Infinite* Card is a versatile credit card with various benefits and features. It offers perks and rewards, making it a great choice for maximizing credit card benefits. The Visa Infinite* version of the TDĀ® AeroplanĀ® Card provides Aeroplan points on every purchase, exclusive travel benefits like priority boarding, and comprehensive travel insurance coverage.

āœ… Who is the TD AeroplanĀ® Visa Infinite* Card for?

With its competitive earn rates and comprehensive travel insurance package, this card is perfect for individuals who enjoy collecting Aeroplan Points or frequently travel. If you fall into either of these categories, we highly recommend learning more about this card and seeing if it aligns with your needs and preferences. 

Pros and cons

Pros
  • The card has a high earn rate for Aeroplan Points, generatingĀ 1.5Ā points† per $1 spent on eligible purchases.
  • Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
  • No airport lounge membership or free lounge access.
  • Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.

šŸ’°Current welcome bonus

While the $139 annual fee might raise eyebrows, the AeroplanĀ® Visa Infinite* from TD Bank more than recoups that cost with its impressive welcome bonus.

Here is how the welcome offer breakdown:

Earn up to $1,300 in value†, including up to 40,000 Aeroplan points†, no annual fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of January 7, 2025.

  • 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 $7,500 within 180 days of Account opening† 

  • Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening† 

  • Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.

  • Plus, share free first checked bags with up to 8 travel companions†

  • Get an annual fee rebate for the first year†.

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.

Starbucks Bonus Offer for New Linked Members†: Link your TD Aeroplan Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.

†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. Sponsored Content.

With the TDĀ® AeroplanĀ® Visa Infinite* Card, you’ll earn Aeroplan points on everyday purchases you make with your card:

  • Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air CanadaĀ® purchases (including Air Canada VacationsĀ®)
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card

Beyond the basic earning categories with the card you can expect a few other nice surprises, including:

Earn double points: Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.†

Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating StarbucksĀ® stores. Link your TD Aeroplan Visa Infinite Card to your StarbucksĀ® Rewards account. Conditions apply. Learn more here.

Aeroplan points never expire as long as your account is open and in good standing. Redeeming points through Aeroplan is easy. You can do so directly through the aircanada.ca website or the AirCanada app. The whole process has been transformed offering you more transparency and simplicity when redeeming your Aeroplan points.

The TDĀ® AeroplanĀ® Visa Infinite* Card provides many insurance benefits as a Visa Infinite product. This card offers a comprehensive travel insurance package, including some things not typically covered by other credit card insurance programs. Here are some things this card’s insurance covers:

Insurance Coverage
Travel Medical Emergency† Up to $2,000,000 for the first 21 days (4 days for those over 65); Additional top-up coverage is available
Travel Accident† Up to $500,000
Trip Cancellation† Up to $1,500 per person to a max. $5,000
Trip Interruption† Up to $5,000 per person with a max of $25,000
Flight/Trip Delay† Up to $500 (after 4 hours)
Delayed/Lost Baggage† Up to $1,000 (after 6 hours)
Car Rental Insurance† Up to $65,000 for up to 48 days
Hotel/Motel Burglary Insurance† Up to $2,500 for items stolen from hotels/motels

Cardholders have access to a toll-free number for any issues or emergencies when it comes to your travels.

Here are the other excellent travel and lifestyle benefits for frequent flyers that come with the TDĀ® AeroplanĀ® Visa Infinite* Card:

  • Free checked bag: This card’s perks extend even further to checking your bags when you get to your flight. You get your first checked bag free as well as up to 8 other travelers on the same reservation when your flight originates on an Air Canada flight.†
  • NEXUS credits: Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.. NEXUS provides pre-screened travelers with expedited processing at the U.S./Canadian border.
  • Additional rental car savings: With your TD credit card, you can save 10% off at Avis and Budget locations in North America and at least 5% on locations elsewhere. The TD Aeroplan Visa car rental insurance coverage protects the car and other people's property from damage. Pay the full amount with your card and you can decline the additional insurance coverage at the counter. The car's retail price must be less than $65,000 new, and your rental period cannot exceed 48 consecutive days.
  • Visa Infinite concierge access: 24/7 access to Visa Infinite Concierge can help with any Cardholder request, no matter what the size.
  • Luxury Hotel Collection access: Exclusive access to bookings at more than over 900 of the finest properties in the world.
  • Visa Infinite services: Enjoy access to wine experiences, exclusive golfing events, hard-to-get dinner reservations, and more through Visa Infinite.
  • Mobile wallet compatibility: Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
  • Chip and pin technology for an added layer of security.

Interest rates

The TDĀ® AeroplanĀ® Visa Infinite* Card comes with some standard interest rates. You’ll pay 21.99% on standard purchases, 22.99% on balance transfers, as well as 22.99% on cash advances.

Fees

  • Annual fee: $139
  • Additional cardholder is $75† ; Get an annual fee rebate for the first year†
  • Foreign transaction fee: 2.50%†

The TD Aeroplan Visa Infinite is ideal for Air Canada loyalists who want direct access to Aeroplan rewards and travel perks like lounge visits and strong insurance coverage. It offers solid earn rates on travel and everyday spending, but redemptions are limited to Aeroplan, and it requires a minimum income to qualify.

The American Express Gold Rewards Card is better for those who value flexibility. It offers strong earn rates across a wide range of categories and lets you transfer points to various travel partners, including Aeroplan. Your Amex Membership Rewards points can be transferred 1:1 to Aeroplan. And if you instead opt to keep the points you earn as Amex points they will still be more flexible than Aeroplan points, as you can redeem Amex points directly against a charge to your credit card. While it doesn’t include airline perks or lounge access, it’s more accessible and versatile for general travel rewards.

TD Disclosures:

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.

†Terms and conditions apply.

Amex Disclosures:

Contact American Express for the most up-to-date referral bonus figures.

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

up to 60,000 points*

Welcome Bonus

$680

First Year Value

$80

Annual Value

Welcome Bonus: Earn up to 60,000 Membership RewardsĀ® points* by earning 5,000 Membership Rewards points for each monthly billing period in which you spend $1,000 on your Card in your first year as a new Cardmember.*

Apply Now On American Express' Secure Site

The TD Aeroplan Visa Infinite offers strong value for Air Canada flyers, with solid earn rates, a good welcome bonus, and added perks like a lounge pass and comprehensive travel insurance. It's widely accepted and integrates seamlessly with Aeroplan, making it a reliable choice for frequent travelers. The CIBC Aeroplan Visa Infinite is nearly identical in its core features but may have slight differences in promotions, such as first-year fee waivers or bonus structures. It also includes preferred Air Canada pricing and strong travel insurance. The choice between them often comes down to which bank you prefer or where you already have accounts.

CIBC Disclosures:

The information for the CIBC AeroplanĀ® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer. ā€ Terms and Conditions Apply. This offer is not available for residents of Quebec.

TD Disclosures:

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.

up to 40,000 points

Welcome Bonus

$1,646

First Year Value

$546

Annual Value

Welcome Bonus: Join and get up to $1,100 in value in your first year!†

Apply Now On CIBC's Secure Site

The TD First Class TravelĀ® Visa Infinite Card* offers flexible travel rewards that can be used with any airline, though you’ll get the best value when booking through Expedia for TD. Both TD Rewards and Aeroplan points don’t expire, and the two cards share similar insurance coverage, annual fees, and loyalty perks. Since both are competitive, the real question is which points provide better value. While the TD Aeroplan Visa Infinite Card generally offers a higher overall rewards return, especially when used within the Aeroplan ecosystem, the TD First Class TravelĀ® card may appeal more to those who prefer broader travel flexibility.

TD Disclosures:

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.

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.

up to 135,000 pts†

Welcome Bonus

$468

First Year Value

$0

Annual Value

Welcome Bonus: Earn up to $1,250 in value†, including up to 135,000 TD Rewards Points† and no Annual Fee for the first year†. Conditions Apply.

Apply Now On TD's Secure Site

Is TD Visa Infinite worth it?

In my opinion, the card’s best features are the travel insurance program and high earn rate. Rewards are valued higher when redeemed for Air Canada flights and lounges but if you can make your travel plans align, it can be worth it.

This card is a great option for eligible, frequent travellers who can take advantage of the high earn categories and practical travel perks. Its sign up bonus gives the card immediate value, while the earn rates and included travel insurance maintain the card’s value even as you pay an annual fee.

TDĀ® AeroplanĀ® Visa Infinite* credit card eligibility requirements

In order to be eligible for this card you have to be a Canadian resident at the age of majority of their province or territory. You’ll also have to have a minimum personal income of $60,000 or household income of $100,000 and a credit score in the good to excellent range.

†Terms and conditions apply.

This offer is not available to 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. Sponsored Content.

TD Aeroplan Visa Infinite FAQs

  • How to claim the TD Aeroplan Visa Infinite NEXUS rebate

    +

    To claim the NEXUS rebate with the TD Aeroplan Visa Infinite Card, pay the NEXUS application fee using the card. The rebate will be credited to your account automatically, usually within one to two billing cycles after the fee is charged. Ensure your account is in good standing to receive the rebate​

  • How to claim the TD Aeroplan Visa Infinite NEXUS rebate

    +

    To claim the NEXUS rebate with the TD Aeroplan Visa Infinite Card, pay the NEXUS application fee using the card. The rebate will be credited to your account automatically, usually within one to two billing cycles after the fee is charged. Ensure your account is in good standing to receive the rebate​

  • Does TD Visa Infinite cover car rental insurance?

    +

    The TD Aeroplan Visa Infinite Card offers Auto Rental Collision/Loss Damage Insurance. This covers damage or theft of a rental car up to $65,000 value, for rentals up to 48 consecutive days. You must decline the rental company's insurance and pay in full with the card​

  • Does TD Aeroplan Visa Infinite have lounge access?

    +

    No, for Maple Leaf Lounge access, you'll need the TD Aeroplan Visa Infinite Privilege and for guest passes (max 4 per year) you'll need the TD Aeroplan Visa Business card.

  • Does my TD Visa Infinite cover trip cancellation?

    +

    The TD Aeroplan Visa Infinite Card offers Trip Cancellation and Trip Interruption Insurance, covering up to $1,500 per person and $5,000 for all insured persons per trip, subject to conditions and exclusions

Barry Choi Contributor

Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.

Tyler Wade Personal finance content strategist & writer

Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.

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†Terms and Conditions apply.