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TD Aeroplan Visa Infinite Card
travel4.5 / 5

TD Aeroplan Visa Infinite Card

TD

Best for

Air Canada flyers who want Aeroplan points, free checked bags and strong insurance from a Visa.

Apply on TD
Annual fee
$139
FX fee
2.5%
Purchase APR
21.99%
Income req.
$60,000 personal / $100,000 household
Recommended credit score
725+
Approval difficulty
Hard approval

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

~$939 value

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
Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site — this does not influence our editorial content.
Written by
The VaultNerd Team

Researching and writing about Canadian credit cards and rewards since 2026.

Cite this page

“TD Aeroplan Visa Infinite Card Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/td-aeroplan-visa-infinite, updated June 2026.

Sources
  • TD cardholder agreement and rates & fees disclosure
  • VaultNerd cards database