TD Aeroplan Visa Infinite Card Review 2024: Is It Worth It?

The TD Aeroplan Visa Infinite Card is a travel rewards credit card that earns Aeroplan points from Air Canada’s loyalty program.

Written By

Edited By

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card’s rates, fees, rewards and other features.

Best for travellers who fly Air Canada and want to earn points on groceries and gas.

Frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this travel rewards credit card.

The TD Aeroplan Visa Infinite Card is a travel rewards credit card that earns Aeroplan points from Air Canada’s loyalty program. Cardholders earn one Aeroplan point per dollar spent, with accelerated earning rates on eligible grocery stores, gas stations and Air Canada purchases.

TD® Aeroplan® Visa Infinite* Card

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 by January 6, 2025.

Earn 1.5 points† for every $1 spent on eligible gas, 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 up to 40,000 Aeroplan points†: 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 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†. Account must be approved by January 6, 2025.

• Earn up to $1,300 in value† including up to 40,000 Aeroplan points† and no Annual Fee for the first year†. Conditions Apply. Account must be approved by January 6, 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 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
• 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 by January 6, 2025.
• Earn 1.5 points† for every $1 spent on eligible gas, 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 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
• Interest Rates: 20.99% on purchases and 22.99% on cash advances.
• Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
• Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
• Travel lightly through the airport and save on baggage fees†: Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight.
• Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
• To be eligible, a $60,000 annual personal income or $100,000 household annual income is required. You must also be a Canadian resident and be the age of majority in the province or territory where you live.
• †Terms and conditions apply.
• This offer is not available for residents of Quebec.
• The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.

JUMP TO:

• Full review
• Customer ratings
• Eligibility
• Rewards
• How to apply
• TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card
• Card facts
• Rating methodology
• FAQs

TD Aeroplan Visa Infinite Card full review

The TD Aeroplan Visa Infinite Card is one of four TD Bank credit cards that earn Aeroplan points. You can redeem your points for flights, hotel stays, car rentals, merchandise, gift cards and more.

Benefits of the TD Aeroplan Visa Infinite Card

• Robust travel insurance offerings.
• One free checked bag per person on Air Canada flights.
• NEXUS fee rebates of up to $100 every 48 months.
• Access to the Visa Infinite program, which offers a 24/7 concierge and gourmet food and wine event opportunities, and more.

Drawbacks of the TD Aeroplan Visa Infinite Card

• Annual fee for average perks. While this card’s $139 annual fee is on par with other rewards cards, it’s possible to get a credit card without a yearly fee.
• Minimum annual income requirements, which may exclude some applicants.
• No airport lounge access.

Who should get the TD Aeroplan Visa Infinite Card?

The TD Aeroplan Visa Infinite earns Aeroplan points and offers its highest earn rate on groceries, gas and Air Canada purchases. With that in mind, frequent fliers with big grocery bills or multi-vehicle households will be able to make the most of this credit card’s travel rewards program.

Is TD Aeroplan Visa Infinite Card worth it?

Whether the TD Aeroplan Visa Infinite Card is worth it comes down to your spending habits. One Aeroplan point has an average value of 2.23 cents, according to NerdWallet’s analysis. So, you’d need to earn at least 6,233 Aeroplan points to recoup the card’s annual fee of $139.

TD Bank customer ratings

• Low in customer satisfaction: TD Canada Trust ranks 10th out of 13 in J.D. Power’s 2023 Canada Credit Card Satisfaction Study[1].
• Low Trustpilot rating: TD Bank scored 1.3 out of 5 possible stars based on over 2,100 customer reviews, as of this writing.
• Low Better Business Bureau customer rating: TD Bank scored 1.1 out of 5 possible stars based on over 280 customer reviews, as of this writing.

TD Aeroplan Visa Infinite Card eligibility

Who qualifies for the TD Aeroplan Visa Infinite Card?

You must be a Canadian resident and at least the age of majority for your province or territory to be eligible for the TD Aeroplan Visa Infinite Card. You’ll also need to meet the following income requirements:

• A minimum annual income of $60,000 for an individual, or;
• $100,000 for a household.

Approximate credit score needed for approval

Canadian credit card issuers rarely disclose required credit scores, which makes it hard to know your chances of approval when comparing credit cards. However, higher scores generally mean better chances of approval, and that’s true regardless of the type of credit you’re applying for.

TD Aeroplan Visa Infinite Card rewards

Earn up to 40,000 Aeroplan points. Conditions apply. Account must be approved by January 6, 2025.

• Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with the card.
• Earn 15,000 points when you spend $7,500 within 180 days of account opening.
• Earn a one-time anniversary bonus of 15,000 points when you spend $12,000 within 12 months of account opening.

• 1.5 points for every $1 spent on groceries, gas and Air Canada purchases, like flights.
• 1 point for every $1 spent on all other purchases.
• Twice the points when you use the card at eligible retailers and provide your Aeroplan number.
• 50% more points at Starbucks when you link your card to a Starbucks account.

According to NerdWallet analysis, the average value of 1 Aeroplan point is 2.23 cents. So, the 40,000 Aeroplan points may be worth a little under $892 on average, depending on how the points are redeemed.

A quick caveat: You don’t receive any bonus points until you start spending with the card. You’ll earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase; 15,000 points when you spend $7,500 within 180 days of account opening; plus, an anniversary bonus of 15,000 points when you spend $12,000 within 12 months of account opening.

You also get NEXUS application fee rebates of up to $100 every 48 months with the TD Aeroplan Visa Infinite.

And, you (plus up to eight companions) get one complimentary checked bag per traveller on Air Canada flights, which could save you upwards of $60 on an economy round trip ticket across Canada, the US and the Caribbean. Plus, the travel insurance that comes with the TD Aeroplan Visa Infinite could be worth thousands, should you ever need to put it to use.

Point value breakdown

NerdWallet searched more than 75 flights in 2021 and 2022 to determine the average value for Air Canada flights. Based on our analysis, the average value of 1 Aeroplan point is worth 2.23 cents.

More specifically, you can expect to get around:

• 1.69 cents in value per Aeroplan point for economy class awards on Air Canada, and
• 2.81 cents in value per Aeroplan point for business class awards on Air Canada flights.

How to apply for the TD Aeroplan Visa Infinite Card

You can complete the TD Aeroplan Visa Infinite Card application from TD Bank’s website:

1. Select the Apply Online button from the TD Aeroplan Visa Infinite Card’s page on TD Bank’s website.
2. Select your province of residence.
3. Review the card’s terms and conditions and select I Agree to continue.
4. Enter your personal details, including your full name, date of birth, phone number, email address and residential address.
5. Tell TD Bank about your employment status.
6. Tell TD Bank about your finances, including your annual personal income, household income, residential status and mortgage or rent payments.
7. Review the information you’ve submitted and select your preferred credit limit.
8. Add personal information for any additional cardholders you’d like to add to the account.
9. Review the card’s insurance coverage and terms and conditions.
10. Submit your application.

TD Aeroplan Visa Infinite Card vs TD First Class Travel Visa Infinite Card

Both of these travel cards earn rewards, but their rewards programs differ.

• 1.5x Aeroplan points for every $1 spent on groceries, gas and Air Canada purchases, like flights.
  
• 1x Aeroplan point for every $1 spent on all other purchases.
  
• Twice the points when you use the card at eligible retailers and provide your Aeroplan number.
  
• 50% more points at Starbucks when you link your card to a Starbucks account.
  

• 8x TD Rewards Points on Expedia For TD bookings.
  
• 6x TD Rewards Points on restaurants and groceries.
  
• 4x TD Rewards Points on recurring bill payments.
  
• 2x TD Rewards Points on everything else.
  

• Travel insurance.
  
• Car rental discounts.
  
• Visa Infinite perks.
  
• First checked bag on Air Canada flights is free for you and up to eight companions on the same flight.
  
• Up to $100 rebate for NEXUS application fee.
  

• Travel insurance.
  
• Car rental discounts.
  
• Visa Infinite perks.
  
• $100 annual travel credit on a travel purchase of $500 or more.
  
• Free Uber One membership for the first year (worth $120)
  

Reasons you might want a different card

The TD Aeroplan Visa Infinite Card has plenty to offer, but it may not be the right choice for you if:

• You don’t want a credit card with an annual fee.
• You don’t travel with Air Canada very often.
• You don’t meet the minimum income requirements.
• You want airport lounge access or other travel perks the TD Aeroplan Visa Infinite Card doesn’t offer.
• You’d prefer to earn a different reward, like cash back.

If you bank with TD and are looking for a credit card, you can review the credit card types, rewards and perks that come with other TD Bank credit cards. If you are specifically interested in a travel card that includes lounge access, you can review NerdWallet’s list of the best credit cards that offer lounge access.

TD Aeroplan Visa Infinite Card facts

• 1.5x Aeroplan points for every $1 spent on groceries, gas and Air Canada purchases, like flights.
  
• 1x Aeroplan point for every $1 spent on all other purchases.
  
• Twice the points when you use the card at eligible retailers and provide your Aeroplan number.
  
• 50% more points at Starbucks when you link your card to a Starbucks account.
  

• Free first checked bag on Air Canada flights for you, your additional cardholders and up to eight travel companions.
  
• Up to $100 NEXUS application fee rebates every 48 months.
  
• Combine Aeroplan points with up to eight family members to redeem bigger rewards sooner.
  
• Access to the Visa Infinite Concierge service team 24 hours a day.
  
• Visa Infinite Luxury Hotel perks.
  
• Access gourmet culinary events through the Visa Infinite Dining program.
  
• Tap into exclusive perks at over 95 wineries across Canada and the U.S. when you show your TD Aeroplan Visa Infinite Card.
  
• Receive ticket offers to special events across Canada, including the Toronto International Film Festival.
  
• Enjoy Troon Rewards Silver Status at over 95 golf courses alongside 10% off green fees, lessons and merchandise at Troon Rewards golf courses.
  
• Save a minimum of 10% off the lowest base rates for rental cars through Avis Rent A Car and Budget Rent A Car locations in Canada and the US, and 5% off internationally.
  

Rating Methodology

NerdWallet Canada rates credit cards according to overall consumer value and their suitability for specific kinds of consumers. Factors in our evaluation methodology include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as airline or hotel perks or the ability to transfer points.