This offer is not available for residents of Quebec.
Quick overview of the TD® Aeroplan® Visa Infinite*
The TD® Aeroplan® 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 TD® Aeroplan® Card provides Aeroplan points on every purchase, exclusive travel benefits like airport lounge access and priority boarding, and comprehensive travel insurance coverage.
Who is the TD Aeroplan® Visa Infinite* 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.
TD® Aeroplan® Visa Infinite* card: Pros and cons
Pros
-
The card has a high earn rate for Aeroplan Points, generating 1.5 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
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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.
Welcome bonus of the TD® Aeroplan® Visa Infinite* credit card
While the $139 annual fee might raise eyebrows, the Aeroplan® Visa Infinite* from TD Bank more than recoups that cost with its impressive welcome bonus. New accounts can 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.
Here is how the welcome offer breakdown:
- 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†
How to earn Aeroplan reward points with the Aeroplan® Visa Infinite* credit card
With the TD® Aeroplan® 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, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
- Earn 1 point for every $1 spent on all other purchases†.
Beyond the basic earning categories with the card you can expect a few other nice surprises, including:
Earn double points: Pay with your Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore to earn doublethe Aeroplan points†.
Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply. Learn more here.
How to redeem Aeroplan points
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.
Key Benefits of the TD Aeroplan Visa Infinite Card
The TD® Aeroplan® Visa Infinite* Card packs a hefty punch for its $139 annual fee. The card earns an enhanced 1.5 Aeroplan pointer per dollar spent on eligible gas, grocery, and Air Canada purchases, including Air Canada Vacations. Those categories are robust and should provide cardholders with plenty of opportunities to quickly attain elite Aeroplan program tiers.
But there is so much more. The card packs many travel and other insurance and protection benefits, including travel interruption and cancellation insurance, baggage protection, cell phone coverage, and more. Those are in addition to the other benefits, namely the free 1st checked bag for up to 8 guests on the same itinerary and NEXUS security fast pass credits.
TD Aeroplan Visa Infinite credit card insurance coverage
The TD® Aeroplan® 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 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.
Extra Benefits of the Aeroplan Visa Infinite credit card from TD
Here are the other excellent travel and lifestyle benefits for frequent flyers that come with the TD® Aeroplan® 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: Enroll for NEXUS, and once every 48 months, get an application fee. 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.
Rates and fees of the TD Aeroplan Visa Infinite
Interest rates
The TD® Aeroplan® Visa Infinite* Card comes with some standard interest rates. You’ll pay 20.99% on standard purchases, 22.99% on balance transfers, as well as 22.99% on cash advances.
Fees
- Annual fee: $139
- Additional cardholder† annual fees: $75
- Cash advance transaction: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque).
- Foreign transaction fee: 2.5%
- Dishonoured payment fees: $48
- Rush card fee (per rush delivery request): $25
- Overlimit fee: $29
- Balance transfer / cheque fee: 3% of the amount of each Balance Transfer or TD Visa Cheque
How the TD® Aeroplan® Visa Infinite* compares
Aeroplan - TD Aeroplan Visa Infinite Card vs. American Express Gold Card
| TD Aeroplan Visa Infinite vs. American Express Gold card | TD® Aeroplan® Visa Infinite* Card | American Express® Gold Rewards Card |
|---|---|---|
| - |  |
 |
| Annual fee | $139 | $250 |
| Welcome bonus | Earn up to $1,200 in value† including up to 50,000 Aeroplan points† (enough for a round trip to New York City†). Conditions Apply. Account must be approved by June 3, 2024. | Earn up to 60,000 Membership Rewards® points |
| Earn rates | Earn 1.5 Aeroplan points† per $1 spent on eligible gas, grocery, and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card; 1 point† per $1 spent on everything else | 2x the points on travel (flights, hotels, car rentals, cruises), and gas, groceries, drugstore purchases in Canada, 1x the points on everything else from dining to takeout, subscriptions, shopping and more |
| Key features | Comprehensive travel insurance program†. Earn Aeroplan points twice at participating retailers and the Aeroplan eStore†. | Flexibility when redeeming points; transfer points to Aeroplan 1:1 |
| Get started | Apply now | Apply now |
†Terms and conditions apply.
As an Amex, the American Express Gold Rewards Card has more limited merchant acceptance rates than a Visa or Mastercard, which is definitely a drawback.
But the American Express® Gold Rewards Card does have a hidden feature worth pointing out: its 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.
Comparing Aeroplan Visa Infinite cards
| TD Visa Infinite Aeroplan vs. CIBC Visa Infinite Aeroplan | TD Aeroplan Infinite Visa Card | CIBC Aeroplan Infinite Visa Card |
|---|---|---|
| - |  |
 |
| Annual fee | $139, $75 for an additional card holder | $139 (first year annual fee rebate), $50 each for up to 3 additional cards (first year annual fee rebate) |
| Minimum income | $60,000 annual personal income or $100,000 annual household income. | $60,000 annual personal income or $100,000 annual household income. |
| Welcome bonus | 50,000 Aeroplan points†. | 50,000 Aeroplan points*. |
| Earn rate per $1 | 1.5 points on eligible gas, grocery and direct through Air Canada® purchases, 1 point on all other purchases. | 1.5 points on eligible gas, electric vehicle charging, groceries and with Air Canada directly, 1 point on all other purchases. |
| Insurance | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, car eental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty |
| Extra perks | Unlock one-car class rental upgrades with Avis, 10% discounts at Avis and Budget in North America, at least 5% internationally, NEXUS application fee rebate every 48 months, share free first checked bags with up to 8 travel companions | Unlock one-car class rental upgrades with Avis, Avis and Budget car rental discounts, free first checked bag for 2 travellers for each round-trip flight |
| Get started | Apply now | Apply now |
†Terms and conditions apply.
With virtually the same benefits, complete insurance coverage, and earn rates, it's hard to lose with either card—they're both winners.
The CIBC has a bigger welcome bonus whereas the TD gives you the NEXUS rebate (both are valued at around $100).
TD Aeroplan Infinite Visa vs. TD Visa Infinite Rewards
| Aeroplan vs. TD Rewards | TD Aeroplan Visa Infinite Card | First Class Travel® Visa Infinite* Card |
|---|---|---|
| - |  |
 |
| Annual fee | $139 | $139 (first year annual fee rebate) |
| Minimum income | $60,000 annual personal income or $100,000 annual household income. | $60,000 personal or $100,000 annual gross household income |
| Welcome bonus | Earn up to $1,200 in value† including up to 50,000 Aeroplan points†. Conditions apply. Account must be approved by June 3, 2024. | Earn up to $800 in value†, including up to 100,000 TD Rewards Points, no Annual Fee for the first year† and additional travel benefits. Conditions Apply. Account must be approved byJune 3, 2024. |
| Earn rate per $1 | 1.5 points on eligible gas, grocery and direct through Air Canada® purchases, 1 point on all other purchases. | Earn 8 TD Rewards Points on Travel Purchases with Expedia® For TD, 6 TD Rewards Points with groceries and dining, 4 TD Rewards Points on Regular Recurring Bill Payments, 2 TD Rewards Points on all other Purchases |
| Insurance | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty |
| Extra perks | Unlock one-car class rental upgrades with Avis, 10% discounts at Avis and Budget in North America, at least 5% internationally, NEXUS application fee rebate every 48 months, share free first checked bags with up to 8 travel companions† | Annual TD Travel Credit of $100 when you book at Expedia® For TD, Birthday Bonus equal to 10% of TD Rewards points earned over the past year. |
| Get started | Apply now | Apply now |
†Terms and conditions apply.
The TD First Class Travel® Visa Infinite* Card unlocks any airline, but the best value is when you book with Expedia. Neither Aeroplan nor TD Rewards points expire.
With the same insurance, annual fee, and similar perks, and both highly rated loyalty programs, the question becomes which points have more value.
The net annual rewards (deducting the annual fee) of the TD Aeroplan Visa Infinite Card is just under $400 and the TD First Class Travel® Visa Infinite* Card (also deducting the annual fee) is around $230 (if you're spending about $2,000 a month).
The welcome bonus with TD Aeroplan Visa Infinite Card is worth about $735 where the TD First Class Travel® Visa Infinite* Card is $575.
So TD Aeroplan Visa Infinite Card wins, right? Well, are you more loyal to the Aeroplan where you can switch to Amex, CIBC, Scotia with ease or are you loyal to TD and its reward program?
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.
TD® Aeroplan® 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.
TD Aeroplan Visa Infinite FAQs
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 has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.
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