TD Aeroplan® Visa Infinite* Card Review

If you’ve been keeping up with our blogs, you’ll remember that the TD Aeroplan Visa Infinite Card was listed as our best Aeroplan credit cards in Canada – and for good reason.

This well-balanced, co-branded credit card allows cardholders to collect respectable Aeroplan points on everyday purchases and travel, while also boasting useful travel coverage and benefits.

Ultimately, this card is ideal for frequent Air Canada travellers who’d like to optimize their day-to-day and vacation purchases in order to support their next trip.

Check out the rest of this review to learn more.

How You Earn Rewards with the TD Aeroplan Visa Infinite Card

Let’s get into those rewards.

With the TD Aeroplan Visa Infinite Card, you can earn the following:

• Earn 1.5 points^† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada^® purchases (including Air Canada Vacations^®) made with your Card.
• Earn 1 point^† for every $1 spent on all other Purchases made with your Card
• 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 (www.aeroplan.com/estore).

As you can see, the points-system is pretty straight-forward, optimizing daily expenses like gas and groceries alongside travel-focus costs associated with Air Canada.

The beauty of this rewards program is that you can earn Aeroplan points towards your next trip simply by running your regular errands or by taking the actual trips themselves – because who doesn’t want their vacation to help fund future vacations?

Redeeming your Rewards with the TD Aeroplan Visa Infinite Card

So, what exactly can you do with these Aeroplan points once you earn them? The answer, of course, is simple.

Here’s a breakdown of the top redemption categories offered for the TD Aeroplan Visa Infinite Card, ranked from most valuable to least valuable:

• Travel with Air Canada: when you use your points to make flight bookings with Air Canada.
• Transfers to airline partners: when you transfer your points to an airline that’s partnered with your credit card and use those points to buy plane tickets.
• Travel: when you book travel through partnered platforms to redeem your points towards eligible flights or vacation packages.
• Gift Cards: redeeming your points to purchase eligible gift cards.

Clearly, you can make the most out of your Aeroplan points by using them towards travel – specifically Air Canada travel.

11 Benefits of the TD Aeroplan Visa Infinite Card

To complement its rewards program, the TD Aeroplan Visa Infinite Card has plenty of travel-oriented perks to optimize your trips, making it one of the top TD credit cards in Canada.

Take a look for yourself:

A Comprehensive Welcome Bonus

There are tons of ways to earn big with the TD Aeroplan Visa Infinite Card’s welcome bonus. 

For starters, you can earn extra Aeroplan points when you make your first purchase with your brand new card.

You can then earn even more points when you meet a specific spending requirement within the first few months of account opening.

If that wasn’t enough, you’ll also tack on added points through a one-time anniversary bonus when you meet other spending requirements within the first year of account opening.

The Annual Fee Rebate

Another intro offer that might entice applicants is the fact that the TD Aeroplan Visa Infinite Card’s Annual Fee is rebated in the first year of card membership!

Extensive Insurance Coverage

Overall, the TD Aeroplan Visa Infinite Card protects cardholders with 13 different types of insurance.

While most categories cater to travellers – with sought-after inclusions like trip interruption and trip cancellation insurance, flight and baggage delay coverage, and emergency medical protections – there are also some other valuable everyday additions like mobile device insurance.

Free First Checked Bags

One of the most notable benefits on the TD Aeroplan Visa Infinite Card is the fact that the primary cardholder and up to 8 accompanying guests get free first checked bags on their Air Canada Flights.

Just make sure your travel companions are featured on the same flight reservation and that all baggage meet specified weight requirements.

Nexus Program Rebate

If you’re enrolled in a NEXUS program to save you some time at the border (paid for by your TD Aeroplan Visa Infinite Card), you can expect an application fee rebate once every 4 years. The best part? This perk can also apply to additional cardholders.

Concierge Services

The complimentary Visa Infinite Concierge is on-call 24/7 and can help you make reservations, secure tickets, or book travel. Think of them as your personal spending assistant.

Troon Rewards Gold Benefits

Calling all golfers! The TD Aeroplan Visa Infinite Card grants you elevated Troon Rewards Silver Status at tons of courses, plus discounts on green fees, merchandise, and lessons at select locations.

Extra Points at Participating Retailers

To optimize your spending even further, cardholders have a few opportunities to earn extra points at participating retailers, including Starbucks, over 150 Aeroplan partner brands, and more than 200 online merchants through the Aeroplan eStore.

Expedited Status Lift

As a TD Aeroplan Visa Infinite Card member, you also have the opportunity to reach Aeroplan Elite Status sooner by earning extra Status Qualifying Miles and a Status Qualifying Segment once you meet a specific spending requirement.

Aeroplan Elite Status unlocks access to extra perks like complimentary checked bag allowance, maple leaf lounge access, and priority rewards.

A Couple of Car Rental Discounts

Your TD Aeroplan Visa Infinite Card is also your ticket to discounts on rental cars at participating Avis Rent A Car and Budget Rent A Car locations. Discounts are bigger in Canada and the U.S. and slightly smaller internationally.

Trip and Legal Assistance

Travel with peace of mind knowing that TD’s toll-free emergency assistance services are available to help cardholders retrieve lost documentation, track down translation services, and locate medical and legal help while abroad.

3 Downsides of the TD Aeroplan Visa Infinite Card

As with anything, there are a few downsides to the TD Aeroplan Visa Infinite Card that are worth considering.

Reward Rates Could be Higher

In general, the reward rates on the TD Aeroplan Visa Infinite Card could be higher, especially if you start to consider other non-Aeroplan-affiliated cards with points that can be transferred to Aeroplan – like the Cobalt Card from American Express (which we’ll get into in the comparison section). Cards like the Cobalt Card offer more competitive points on everyday purchases that can be converted to Aeroplan at a 1:1 ratio.

Loyalty Limitations

Of course, when you get a credit card that’s so tightly aligned with Air Canada, you have less flexibility when it comes to optimizing trips with other airlines. Therefore, you’ll only want an Aeroplan-affiliated card if you plan on being loyal to Air Canada each time you travel.

Income Requirements

While they aren’t especially high, the TD Aeroplan Visa Infinite Card comes with income requirements which may make it inaccessible to some applicants.

Comparison to Other Top Aeroplan Credit Cards

In this section, we’re going to compare the TD Aeroplan Visa Infinite Card to other top Aeroplan credit cards with a similar price-point.

Here’s a sneak peek at the comparisons we’ll be making:

TD

4.5

TD Aeroplan® Visa Infinite* CardView full review

CIBC

3.3

CIBC Aeroplan® Visa Infinite* CardView full review

American Express

3.8

American Express® Aeroplan®* CardView full review

American Express

4.9

American Express Cobalt® CardView full review

Best travel points earning credit card in Canada

Annual Fee

$139

$0 first year

$139

$0 first year

$120

$191.88

Interest Rates

Purchase

21.99%

Cash advance

22.99%

Quebec

21.99%

Purchase

20.99%

Cash advance

22.99%

Quebec

21.99%

Balance transfer

22.99%

Purchase

30% Annual^*

Cash advance

30% Annual^*

Rate details

Purchase

21.99%^*

Cash advance

21.99%^*

Rate details

Welcome Bonus

Up to $1,550 in value† including up to 50,000 Aeroplan points† and a first-year Annual Fee rebate.

Up to 50,000 Aeroplan® points

Earn up to 45,000 Aeroplan points

Up to 15,000 Membership Rewards® points

Rewards

1x - 1.5x

1x - 1.5x Aeroplan®

1x - 2x

1x - 5x

Apply Now

on TD's website

View Terms & Conditions

Learn More

View Terms & Conditions

Apply Now

on American Express' website

Apply with Confidence — won't impact your credit score

View Terms & Conditions

Apply Now

on American Express' website

Apply with Confidence — won't impact your credit score

View Terms & Conditions

Welcome Bonus Details

Earn Rates

Insurance Coverage

Extra Benefits

Requirements

TD Aeroplan Visa Infinite Card vs. CIBC Aeroplan Visa Infinite Card

Let’s start by comparing one Aeroplan Visa Infinite Card to another.

As far as applying goes, both cards come with the same income requirements and the same annual fee that’s rebated in the first year.

Similar to the TD Aeroplan Visa Infinite Card, the CIBC Aeroplan Visa Infinite Card earns cardholders identical Aeroplan points per dollar spent on eligible gas, groceries, Air Canada and Air Canada vacation purchases. The only difference is that the CIBC Aeroplan Visa Infinite Card also optimizes electric vehicle charging in this same specialized category.

As far as coverage goes, the two cards have the same insurance categories but some of those categories have higher coverage amounts on the TD Aeroplan Visa Infinite Card (like trip interruption, flight and baggage delay, and emergency medical coverages).

Both cards also share benefits like the Avis and Budget car rental discounts, the expedited chance to reach Aeroplan Elite Status, free first checked bags, and of course Visa Infinite Exclusive Benefits. In addition to these shared perks, the CIBC Aeroplan Visa Infinite Card includes a gas discount at participating Pioneer, Fas Gas, Ultramar, and Chevron gas stations, a discount on flight rewards, and a free extra night at partnered hotels for every 3-night stay paid for by Aeroplan points. Still, the TD Aeroplan Visa Infinite Card offers more benefits overall.

All in all, you might choose the CIBC Aeroplan Visa Infinite Card over the TD Aeroplan Visa Infinite Card if you want extra Aeroplan-point-optimization on electric vehicle charging, or if you want some gas and hotel perks in particular. Otherwise, the TD Aeroplan Visa Infinite Card offers you much more in terms of insurance coverage and benefits for the same annual price.

TD Aeroplan Visa Infinite Card vs. American Express Aeroplan Card

Moving on to Amex territory, the American Express Aeroplan Card is another top Aeroplan-affiliated contender for a similar annual fee.

In fact, this annual fee is actually lower than those of both Aeroplan Visa Infinite Cards mentioned so far—although, unfortunately, the fee isn’t rebated in the first year of membership.

Applicants with any financial background will also be pleased by the fact that the American Express Aeroplan Card has no income requirements – making it much more accessible than anything we’ve seen so far.

Impressively, the American Express Aeroplan Card also earns better Aeroplan points per dollar spent on Air Canada and Air Canada vacation purchases, it also swaps a specialized category on gas and groceries (something we’ve seen so far with the Aeroplan Visa Infinite Cards) for an optimized category on dining and food delivery purchases in Canada.

Keep in mind, however, that the coverage on this card isn’t as comprehensive as the coverage provided by the TD Aeroplan Visa Infinite Card, offering only 7 insurance categories instead of a whopping 13. Unfortunately, the American Express Aeroplan Card also lacks valuable categories like trip interruption and trip cancellation insurance, not to mention emergency medical coverages.

When we look at benefits, both the American Express Aeroplan Card and the TD Aeroplan Visa Infinite Card share the expedited chance of reaching Aeroplan Elite Status, free first checked bags, and extra points at participating retailers. In addition to this, the TD Aeroplan Visa Infinite Card goes on to add plenty more perks, whereas the American Express Aeroplan Card only adds free extra nights at hotels for every 3-night stay redeemed with Aeroplan points, and standard Amex Experiences that come with every American Express card.

Ultimately, the American Express Aeroplan Card is best for those who want to save on annual fees in the long run, those who want to earn more Aeroplan points on Air Canada purchases, and those who prefer to optimize pricey dining expenses. Otherwise, if you don’t mind paying a little more for better coverage, gas and grocery optimization, and more benefits, then the TD Aeroplan Visa Infinite Card is still the better selection for you. When comparing a Visa credit card to an American Express credit card, you should also factor in Amex's low acceptance rate as a reason to opt for Visa instead. Compared to other networks like Mastercard and Visa, American Express is less accepted as a payment method globally (particularly in places across Europe) and less recognized by small-scale retailers.

TD Aeroplan Visa Infinite Card vs. American Express Cobalt Card

Before we wrap things up, we just had to include the card that's voted best overall in most categories – the American Express Cobalt Card. 

Why? Because the Cobalt Card earns cardholders some of the highest American Express Membership Rewards points on everyday purchases like dining, groceries, streaming subscriptions, gas, and transit. 

How does this relate to Aeroplan? Well, after you earn these competitive American Express Membership Rewards points, you can transfer them at a 1:1 ratio to Aeroplan – which is technically as though you’re earning Aeroplan points in the first place.

Still, the coverage on the Cobalt Card isn’t quite as extensive as the coverage on the TD Aeroplan Visa Infinite Card (it’s missing emergency medical over 65, trip interruption, and trip cancellation insurance), and some of the categories that the two cards share have better insurance value on the TD Aeroplan Visa Infinite Card (like hotel burglary insurance, travel accident coverage, and flight and baggage delay insurance).

Of course, the benefits of the TD Aeroplan Visa Infinite Card also surpass those of the Cobalt Card – which only offers an annual hotel-oriented travel credit and standard Amex Experiences.

While the Cobalt Card’s annual fee is similar to the TD Aeroplan Visa Infinite Card, it's a bit more expensive, but to make up for it, the Cobalt Card doesn’t come with any income requirements (unlike the TD Aeroplan Visa Infinite Card).

The Cobalt Card may also offer some more airline flexibility since it's not affiliated with a particular airline or travel platform like Air Canada.

In conclusion, when it comes to collecting points, the Cobalt Card earns cardholders more Aeroplan-transferable points on popular everyday categories and therefore might be the better option for purchase optimization and travel booking flexibility. Still, if you want to earn Aeroplan points directly (especially on Air Canada trips in particular), and if you want more coverage and benefits for your Aeroplan travels, the TD Aeroplan Visa Infinite Card still takes first place for frequent travellers. Since we're comparing a Visa card to an Amex card yet again, you can also factor in American Express's low acceptance rate as a reason to choose a Visa alternative instead.

How to apply for the TD Aeroplan Visa Infinite Card

After all of our featured comparisons, if you’re still interested in applying for the TD Aeroplan Visa Infinite Card, here’s a step-by-step guide on how you can do so:

1. Visit the official TD website and select “Credit Cards” from their homepage drop-menu.
2. From here, you can filter TD credit cards by type. Choose “Aeroplan points” for the fastest route towards the TD Aeroplan Visa Infinite Card.
3. Right away, you’ll see the TD Aeroplan Visa Infinite Card pop up as the top credit card in this category, hit “Apply now” to begin your application.
4. Agree to the card’s terms and conditions, and take the time to enter any personal and financial details – this might include your address, your date of birth, your income and so on.
5. Carefully review your information along with the card's terms and conditions before formally submitting your application.

To fast-track your way towards the application, you can always select the “Apply Now” button featured below the TD Aeroplan Visa Infinite Card at the top of this review.

Final Verdict

At the end of the day, the TD Aeroplan Visa Infinite Card is the best overall Aeroplan-affiliated credit card on the Canadian market on account of its balanced rewards, coverage, and benefits – all for a reasonable Annual Fee.

There are, however, some non-Aeroplan-affiliated credit cards, like the American Express Cobalt Card, that allows cardholders to transfer competitive American Express Membership Rewards points to Aeroplan at a 1:1 ratio. In cases like these, you might be able to collect more “Aeroplan points” on a daily basis but lose access to many Aeroplan specific perks.

Still, the TD Aeroplan Visa Infinite Card is definitely a top contender when it comes to overall perks – even when its reward program falls short.

Frequently Asked Questions

Is the TD Aeroplan Visa Infinite Card worth it?

The TD Aeroplan Visa Infinite Card is worth it if you’re a frequent Air Canada traveller who intends on optimizing everyday and Air Canada travel purchases for Aeroplan points to use towards your next trip.

The card also comes with tons of coverage and benefits which, when used to their full-potential, can ultimately help offset the Annual Fee associated with the card.

What are the income requirements for the TD Aeroplan Visa Infinite Card?

As of now, the TD Aeroplan Visa Infinite Card has a minimum personal income requirement of $60,000 and a minimum household income requirement of $100,000.