TD Aeroplan Visa Infinite Card
Air Canada flyers who want Aeroplan points, free checked bags and strong insurance from a Visa.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
The benchmark Aeroplan Visa in Canada: airline perks plus high-value points make it an easy keeper for anyone who flies Air Canada a few times a year.
Reward rates
Air Canada & Air Canada Vacations (direct) | 1.5x |
Gas & EV charging | 1.5x |
Groceries | 1.5x |
All other purchases | 1x |
VaultNerd values these points at ~2¢ each.
Welcome bonus
Up to 40,000 Aeroplan points (10,000 on first purchase + 15,000 with initial spend + 15,000 anniversary bonus) plus a first-year annual fee rebate; TD values the full offer at up to $1,350. Value shown is points at 2 cents each plus the $139 fee rebate.
Requirement: Spend $3,000 within 90 days for 15,000 points; spend $12,000 within 12 months for the 15,000-point anniversary bonus
Pros
- Valuable Aeroplan points worth roughly 2 cents each
- Free checked bags can easily offset the annual fee for Air Canada flyers
- Comprehensive travel insurance including 21-day medical
Cons
- Modest 1.5x top earn rate compared with Amex Aeroplan options
- Anniversary bonus requires $12,000 annual spend
Perks
- Free first checked bag on Air Canada for you and up to 8 travel companions
- NEXUS application fee rebate (up to $100) once every 48 months
- Aeroplan Family Sharing to pool points with up to 8 family members
- Aeroplan points never expire while you're a cardholder in good standing
- Visa Infinite Concierge and lifestyle benefits
Insurance
- Travel emergency medical (up to $2M, 21 days under age 65)
- Trip cancellation (up to $1,500/person) / trip interruption (up to $5,000/person)
- Flight/trip delay (up to $500/person)
- Delayed and lost baggage (up to $1,000/person)
- Common carrier travel accident (up to $500,000)
- Auto rental collision/loss damage (up to 48 days)
- Hotel/motel burglary (up to $2,500)
- Mobile device insurance
Frequently asked questions
Is the TD Aeroplan Visa Infinite Card worth it?
It charges a $139 annual fee, and we rate it 4.5 out of 5. It's best suited to air Canada flyers who want Aeroplan points, free checked bags and strong insurance from a Visa. The welcome bonus is worth roughly $939, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the TD Aeroplan Visa Infinite Card earn?
It earns 1.5x on air canada & air canada vacations (direct), 1.5x on gas & ev charging and 1.5x on groceries. We value these points at about 2¢ each, so the top rate works out to roughly 3.0% back.
What credit score do you need for the TD Aeroplan Visa Infinite Card?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $60,000 personal or $100,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“TD Aeroplan Visa Infinite Card Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/td-aeroplan-visa-infinite, updated June 2026.
- TD cardholder agreement and rates & fees disclosure
- VaultNerd cards database