A solid travel credit card that is ideal for Canadians who prefer to travel with Air Canada and collect Aeroplan points, the TD® Aeroplan® Visa Infinite* Card gives you Aeroplan points on every purchase and is robust enough in its rewards value to have made both our Best Aeroplan Credit Cards and Best TD Credit Cards lists.
It’s a decent way to both get Aeroplan points regularly towards free Air Canada flights and enjoy plenty of perks, like a NEXUS pass application fee rebate every 48 months, so you can always skip the line when traveling across the American border and a free first checked bag for up to eight travel companions on Air Canada flights. It also comes with lots of travel insurance coverage and that coverage still applies, even when you purchase a ticket with your Aeroplan points.
Pros
- Earn Aeroplan points on every purchase
- Allows you to earn points twice when you use your card and Aeroplan number at select merchants
- Aeroplan family sharing allows you to share points with up to eight family members
Cons
- Low accelerated rate
- Minimal categories for accelerated rates
- Lacks travel perks and benefits when compared to other travel cards
Table of Contents
Highlights
- 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 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- Enroll for NEXUS and once every 48 months get a partial application fee rebate†
- 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.
- This offer is not available to residents of Quebec.
- † Terms and conditions apply.
Introduction
The TD Aeroplan Visa Infinite Card is a travel card aimed at Canadians who are Aeroplan members or who fly frequently with Air Canada.The credit card allows you to earn Aeroplan points on all purchases that can then be redeemed via the Air Canada website or app for travel, or via the Aeroplan eStore for other rewards.
Perks and benefits include a suite of travel insurance, however, other travel related perks such as lounge passes are lacking. Additionally, the earn rates are quite low compared to other rewards credit cards on the Canadian market.
Quick Facts
- Earn Aeroplan points that can be shared among up to eight family members.
- Includes comprehensive travel insurance coverage.
- Earn 1.5 points for every dollar spent on eligible gas, grocery and direct Air Canada purchases.
- Earn 1 point for every dollar spent elsewhere.
- Cardholders and companions (up to eight) can benefit from getting their first checked bag free if flights are booked on the same reservation and originate on an Air Canada flight.
TD Aeroplan Visa Infinite Rewards
Earning Rewards
Earning rewards with the TD Aeroplan Infinite Visa Card is easy, as you will earn at least 1 Aeroplan point for every 1 dollar spent. If you use your credit card for purchases at eligible gas and grocery stores, you will earn 1.5 points for every dollar spent. If you book travel directly through Air Canada, you will also earn the accelerated rate of 1.5 points per dollar spent.
While it’s nice to see accelerated earn rates on day-to-day spending categories such as gas and groceries, 1.5 points isn’t a big boost. Many reward cards offer higher rates. Also, keep in mind that there is a maximum earning cap on the accelerated rate categories; up to a maximum spend of $80,000 per year combined.
Redeeming Rewards
Redeeming rewards is easy and you have a number of options. As is typical with travel credit cards, the best value for your Aeroplan rewards is for travel. Specifically, travel with Air Canada or other Star Alliance partners. You can redeem your Aeroplan points for these options either via the Air Canada website or via the Air Canada app.
If you prefer, you can also use your Aeroplan points for merchandise, gift cards and more. This can be done online via the Aeroplan eStore.
Rewards Potential
Aeroplan is a pretty good rewards program, especially for Canadians who fly a lot with Air Canada. However, the earning potential is lacking. As mentioned above, 1.5 points for an accelerated rate is quite low so saving up for any flights is going to take a while if you are only depending on the credit card. You should also be an Aeroplan member and shop with Aeroplan partners to boost your earning potential.
Based on average Canadian spending, Forbes Advisor estimates this card could earn $635.70 in rewards value per year, with the annual fee factored in.
TD Aeroplan Visa Infinite Benefits
- Comprehensive travel insurance package including travel medical insurance, trip cancellation/interruption insurance, flight delay/trip delay insurance, lost and delayed baggage insurance, common carrier travel accident insurance and auto rental collision/loss damage insurance.
- Air Canada benefits including free checked luggage (first bag only) with Air Canada flights.
- Discounts on car rentals with Budget and Avis Rent-A-Car companies.
- The Visa Infinite Wine Country Program gives you discounts on wine, complementary tastings and free wine tours at over 95 vineyards in B.C., Ontario and Sonoma Valley when you present your TD Aeroplan Infinite Visa Card on-site.
- The Visa Infinite Luxury Hotel Collection gives you seven exclusive benefits at 900 luxury hotels around the world just for having a Visa Infinite Card like the TD Aeroplan Infinite Visa Card. These include best available rate guarantee, automatic room upgrade upon arrival, when available, complimentary in-room Wi-Fi, when available, a complimentary breakfast for two, a $25 USD food or beverage credit, VIP Guest status and late check-out upon request, when available.
- The Visa Infinite Entertainment Access Program gives you exclusive access to curated ticketed events in Canada throughout the year, as well as exclusive access to and benefits from the Toronto International Film Festival.
- The Visa Infinite Dining Series gives you access to exclusive culinary events hosted by notable chefs and featuring acclaimed wines.
Fine Print
Interest Rates
- Regular APR (Purchases): 20.99%
- Cash Advance: 22.99%
Fees
- Foreign Transaction Fee: 2.5%
- Annual Fee:$139 (Get an annual fee rebate in the first year. Terms and conditions apply.)†
- Any other fees: Additional cardholder $75.00
How the TD Aeroplan Visa Infinite Stacks Up
TD® Aeroplan® Visa Infinite* Card vs. TD® Aeroplan® Visa Platinum* Card
The TD® Aeroplan® Visa Platinum* Card is like the younger sibling of the TD Aeroplan Visa Infinite Card. With an annual fee of $89 (first year of annual fee rebated), you can still earn Aeroplan points on every purchase but there are no accelerated categories. There are some benefits like some types of travel insurance and discounts with car rentals but the Visa Infinite option offers much more. If you are travelling regularly, it’s probably worth the upgrade for the extra perks and more comprehensive insurance.
TD® Aeroplan® Visa Infinite* vs. TD® Aeroplan® Visa Infinite Privilege* Card
The TD® Aeroplan® Visa Infinite Privilege* credit card is a step up. The rewards program is the same but it comes packed with travel perks and benefits including Global Airport Lounge Access, priority airport services for Air Canada flights, an annual worldwide companion pass, and more on top of the benefits included with the TD Aeroplan Infinite Visa. While the extras are great, they do come with a hefty annual fee of $599. The earn rate is a little higher as well but for the price tag, this card is best for those who travel frequently and can benefit from the additional perks.
TD® Aeroplan® Visa Infinite* vs. CIBC Aeroplan Visa Infinite
The CIBC Aeroplan Visa Infinite card is very comparable to the TD Aeroplan Visa Infinite card. Both cards have the same annual fee, earn rates, and perks and benefits. The big difference is that one is a TD product and one is a CIBC product. When comparing the two your best bet is to see who has the better welcome bonus at the time you are looking to apply.
Methodology
When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With this card, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonus, and other benefits and features. Keep in mind what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.
Is the TD Aeroplan Visa Infinite Card Right for You?
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.
Related: Check Best Canadian Credit Cards
Frequently Asked Questions (FAQs)
What is the income limit for the TD Aeroplan Visa Infinite Card?
In order to be eligible for this credit card you will need to earn a minimum annual income of $60,000 as an individual or $100,000 as a household.
Does the TD Aeroplan Visa Infinite Card have airport lounge access?
No, this credit card does not offer any airport lounge access. For lounge access, you will need to look to the next level up and apply to for the TD Aeroplan Visa Infinite Privilege Card. That card comes with unlimited Maple Leaf Lounge access across North America. Plus, primary card holders get six complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program.
How do you apply for the TD Aeroplan Visa Infinite Card?
Applying for this credit card is easy and can be done online in just a few minutes.
Is the TD Aeroplan Visa Infinite Card worth it?
If you are an Aeroplan member and you appreciate red carpet-like experiences when you travel, the TD Aeroplan Visa Infinite Card may be worth it as long as you can consistently pay off the balance, meet the income requirements and can afford the annual fee without much trouble. Otherwise, you might want to look for a card with not as many barriers to entry.
What is the limit on TD Aeroplan Visa Infinite Card?
There’s no predetermined credit limit on the TD Aeroplan Visa Infinite Card. The limit is set by TD Bank, the issuer, according to the credit history and annual income of the applicant. The limit any cardholder receives depends on the issuer’s confidence in their ability to pay back the full balance up to that limit.
Advertising Disclosure
Our partners are not responsible for anything reported by Forbes Advisor. To the best of our knowledge, everything is accurate at the time of publishing as of the date posted. For full information and details, please visit the advertiser’s website.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
- Best Credit Cards
- Best Travel Credit Cards
- Best Cash Back Credit Cards
- Best No Foreign Transaction Fee Credit Cards
- Best Airport Lounge Access Credit Cards
- Best Aeroplan Credit Cards
- Best Student Credit Cards
- Best Rewards Credit Cards
- Best Mastercards
- Best Credit Cards for Bad Credit
- Best Business Credit Cards
- Most Exclusive Credit Cards In Canada
- Best Prepaid Credit Cards
- Best TD Credit Cards
- Best Low-Interest Credit Cards
- Best Visa Cards
- Best RBC Credit Cards
- Best of Instant Approval Credit Cards
- Best Cash Back Credit Cards With No Annual Fee
- Best Secured Credit Cards in Canada
- American Express Cobalt Review
- KOHO Essential Prepaid Mastercard Review
- EQ Bank Card Review
- Neo Standard Mastercard Review
- TD Aeroplan Visa Infinite Privilege Review
- TD First Class Travel Visa Infinite Card
- RBC Avion Visa Infinite Review
- Simplii Financial Cash Back Visa Review
- MBNA Rewards World Elite Mastercard
- Scotiabank Passport Visa Infinite Review
- Neo Secured Credit Card Review
- MBNA True Line Mastercard Review
- TD Aeroplan Visa Platinum Card Review
- TD Cash Back Visa Infinite Review
- BMO CashBack World Elite Mastercard Review
- Platinum Card From American Express Review
- TD Platinum Travel Visa Card Review
- American Express Aeroplan Card Review
- American Express Green Card Review
- What's The Best Day & Time To Book Flights
- Air Canada Aeroplan: The Ultimate Guide
- Guide To American Express Credit Card Levels
- What Credit Cards Does Costco Accept In Canada?
- Is American Express Better Than Visa Or Mastercard?
- How To Get The Apple Card In Canada
- What Happens If You Overpay Your Credit Card?
- How To Redeem Aeroplan Points
- Foreign Transaction Fees: How To Avoid Them
- How To Spot A Credit Card Skimmer
- What Is The Highest Limit Credit Card In Canada?
- Benefits And Perks Of Amex Platinum Card
- How Much Is The Amex Platinum Foreign Transaction Fee?
- Negative Balance On A Credit Card: What To Do?
- Fee Increases Here For Both Platinum Cards From Amex
