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Mr. Loonie
TD® Aeroplan® Visa Infinite Card

TD® Aeroplan® Visa Infinite Card

7.7
Good
Expert Score · 16 reviews How we score

Best for: Air Canada flyers who want Aeroplan points on groceries and gas plus a free checked bag

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$1,896
Every year after
$757

Ranked #3 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$1,000
The full offer. Up to 50,000 Aeroplan points.
Annual fee
$0 first year
Then $139 a year
Apply now on TD’s site (opens in a new tab)
Needs $60,000 personal or $100,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from TD’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $400 or more a month on groceries, gas and flights?

Is your personal income $60,000 or more, or your household’s $100,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 1.5 points per $1 on groceries, gas and flights At our value for these points, that’s about 3% back.
  • Good: No fee in the first year Then $139 a year.
  • Good: Welcome offer up to 50,000 Aeroplan points About $1,000 at our value for these points.

Watch for

  • Watch for: $139 a year from year two You need about $400 a month on groceries, gas and flights to earn it back.
  • Watch for: 2.5% on foreign purchases Use a no foreign fee card when you travel.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

Aeroplan points valued at 2¢ each.

  • Groceries $288
    1.5 points per $1 · 3% back $800 a month · 14,400 Aeroplan points a year
  • Restaurants $60
    1 point per $1 · 2% back $250 a month · 3,000 Aeroplan points a year
  • Gas $90
    1.5 points per $1 · 3% back $250 a month · 4,500 Aeroplan points a year
  • Recurring bills $60
    1 point per $1 · 2% back $250 a month · 3,000 Aeroplan points a year
  • Travel $36
    1 point per $1 · 2% back $150 a month · 1,800 Aeroplan points a year
  • Everything else $156
    1 point per $1 · 2% back $650 a month · 7,800 Aeroplan points a year
  • Foreign currency $36
    1 point per $1 · 2% back $150 a month · 1,800 Aeroplan points a year
For you Year one Later years
Points you earn36,300 Aeroplan points a year, at 2¢ each $726 $726
Welcome offer50,000 Aeroplan points you’d reach $1,000 $0
Annual fee $0 −$139
Foreign currency fee2.5% on $1,800 a year −$45 −$45
Travel medical insurance1 trip at $50 $50 $50
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Phone insurance$60 a year $60 $60
Total $1,896 $757

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Groceries
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories).
Gas
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories). Including EV charging
Flights
1.5 points per $1 Up to $80,000 in spending per year (shared with other categories). Bought directly from Air Canada, including Air Canada Vacations
Everything else (base rate)
1 point per $1

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

How Aeroplan points work, and why 2¢

We count Aeroplan points at 2¢ each, a typical value when you use them well. Depending on how you use them, they’re usually worth 0.7¢ to 6¢.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    10,000 Aeroplan points · about $200

    Get approved for the card.

    • On purchases within the first 90 days
    • Earn 10,000 points when you make your first purchase with your card
    • Plus, earn an additional 25,000 points when you spend $12,000 within 12 months of Account opening
  2. 2

    15,000 Aeroplan points · about $300

    Spend $3,000 in your first 3 months.

    You’d reach it in month 2.

  3. 3

    25,000 Aeroplan points · about $500

    Spend $12,000 in your first 12 months.

    You’d reach it in month 5.

The annual fee is waived in the first year. Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $60,000 or more Issuer says
  • Household income $100,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What critics say

Other reviewers on this card

7.7
Good
Expert Score How we score
  • NerdWallet (opens in a new tab) Mar 2026
    10

    “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.”

  • Forbes (opens in a new tab) Jan 2024

    “The TD® Aeroplan® Visa Infinite* Card is a decent rewards card but perhaps not for everyone. If you are looking for a reward card to redeem points for categories other than travel, there are more lucrative rewards cards on the market with higher earning potential. At the same time, if you are a frequent traveller, then it might be worth upgrading to a high-end card that has more travel-related perks and benefits.”

  • Yore Oyster (opens in a new tab) Dec 2022

    “TD Aeroplan Visa Infinite Card is a personal credit card targeted toward middle-income earners in Canada. With bonus rewards of up to 50,000 points when you spend $7,500 within the 1st 12 months, the card is excellent for accumulating reward points. The card also offers a rebate on the annual fee for the first year, which makes it easy to recoup the high yearly cost of $139. It also has several travel perks, making it an excellent travel option.”

  • Reviewlution (opens in a new tab) Oct 2022

    “Consolidating the welcome proposal with the focus on procuring points on ordinary buys, the TD Aeroplan Visa Infinite Card stands out as an exceptionally competitive travel card. Even though it has a few obvious drawbacks such as the annual fee or minimum income requirement, it still occupies one of the top positions in Canada’s best travel credit cards. Therefore, if you have itchy feet and like rewards on your everyday purchases, the TD Visa is your go-to.”

  • Rewards Canada (opens in a new tab) Sep 2022

    “It's no wonder the newly revamped TD Aeroplan Visa Infinite Card has been crowned as the Top Airline Credit Card in Canada. When you take the complete package of what the card offers and the value that the Aeroplan programs brings there isn't too much bad to say about it. Yes it is Aeroplan specific and you have to want to use the Aeroplan program to make the most of this card. If Aeroplan isn't your primary program or you don't fly Air Canada often (think less than once a year) there are other more flexible options out there for you. If you are an Aeroplan utilizer, fly Air Canada at least once per year with checked baggage and/or you want access to some of those amazing business class or first class experiences then this card should definitely be on your radar.”

  • Rewards Canada (opens in a new tab) Aug 2022

    “It's no wonder the newly revamped TD Aeroplan Visa Infinite Card has been crowned as the Top Airline Credit Card in Canada. When you take the complete package of what the card offers and the value that the Aeroplan programs brings there isn't too much bad to say about it. Yes it is Aeroplan specific and you have to want to use the Aeroplan program to make the most of this card.”

What cardholders say

Ratings from people with this card

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Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Extended warranty Included
  • Purchase protection Included
  • Travel accident Included
  • Travel medical $2,000,000 per person
  • Trip cancellation Included
  • Trip interruption Included
  • Flight delay Included
  • Baggage delay Included
  • Lost baggage Included
  • Hotel burglary Included
  • Mobile device $1,000 per device
  • First checked bag free
  • Access to Visa Infinite Luxury Hotel Collection
  • Access to Visa Infinite Dining Series
  • Access to Visa Infinite Wine Country Program
  • Access to Visa Infinite Entertainment Access
  • Access to Visa Infinite Troon Golf
  • Trip Cancellation/Trip Interruption Insurance
  • Flight/Trip Delay Insurance
  • Delayed and Lost Baggage Insurance
  • Hotel/Motel Burglary Insurance
  • Statement Credits For NEXUS Holders every 48 months
  • Mobile Device Insurance
  • Free 6 months Uber Pass membership
  • Mobile wallets Samsung Pay
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read TD’s insurance certificate before you count on any coverage.

Fees and interest

What it costs

Annual fee
$0 first year Then $139 a year
Purchase interest
21.99%
Cash advance interest
22.99%
Foreign currency fee
2.5%
All fees and rates

Fees

Extra cards
$75
Fee waivers
First year: $139 off (Get an annual fee rebate for the first year)
Cash advance fee
1%, Minimum of $3.50, maximum of $10.00
Balance transfer fee
3%, Maximum
Over-limit fee
$29
Late payment fee
None
Source
Issuer page

Interest rates

Balance transfer interest
22.99%
Source
Issuer page

Read the card terms and conditions for the full terms.

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $1,896 year one, $757 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the TD® Aeroplan® Visa Infinite Card?

$0 the first year, then $139 a year. Each extra card costs $75.

How much is the TD® Aeroplan® Visa Infinite Card welcome offer worth?

Up to 50,000 Aeroplan points, about $1,000. You get it in 3 steps: 10,000 Aeroplan points when you are approved; 15,000 Aeroplan points after you spend $3,000 in the first 3 months; 25,000 Aeroplan points after you spend $12,000 in the first 12 months.

What income do I need?

TD asks for $60,000 in personal income.

Does it charge a foreign transaction fee?

Yes, 2.5% on purchases in other currencies.

What is the interest rate?

21.99% on purchases. Cash advances are 22.99%.

Does it include insurance?

It lists extended warranty, purchase protection, trip cancellation/trip interruption insurance and flight/trip delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$1,896
year one for you
Apply now on TD’s site (opens in a new tab)
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