This offer is not available for residents of Quebec.
Quick overview
The TDĀ® AeroplanĀ® Visa Infinite* Card is a versatile credit card with competitive earn rates and a comprehensive travel insurance package.
If you like to collect Aeroplan Points or are a frequent traveler, we recommend reading up on this card and to see if you can take advantage of its benefits. This card might just be the one for you.
TDĀ® AeroplanĀ® Visa Infinite* card: Pros and cons
Pros
-
The card has a high earn rate for Aeroplan Points, generatingĀ 1.5Ā pointsā Ā per $1 spent on eligible purchases.
-
Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
-
No airport lounge membership or free lounge access.
-
Aeroplan points canāt be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Welcome bonus
Earn up to $1,200 in valueā , including up to 50,000 Aeroplan pointsā , (enough for a round trip to New York Cityā ) and additional travel benefits. Account must be approved by June 3, 2024.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new cardā
- Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account openingā
- Plus, earn an one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account openingā
- Enroll for NEXUS and once every 48 months get an application fee rebateā
- Plus, share free first checked bags with up to 8 travel companionsā
TD Aeroplan Visa benefits and features
Combined with the current sign up bonus, the Visa Infinite program offers a great collection of additional perks, including:
Here are the excellent travel benefits for frequent flyers that come with the TDĀ® AeroplanĀ® Visa Infinite* Card:
TD Aeroplan Visa car rental insurance and savings on rental cars
With your TD credit card, you can save 10% off at Avis and Budget locations in North America and at least 5% on locations elsewhere. The TD Aeroplan Visa car rental insurance coverage protects the car and other people's property from damage. Simply pay the full amount with your card and you can decline the additional insurance coverage at the counter. The car's retail price must be less than $65,000 new and you rental period cannot exceed 48 consecutive days.
Travel insurance coverage
This card offers a comprehensive travel insurance package, including some things not typically covered by other credit card insurance programs. Here are some things this cardās insurance covers:
| Insurance | Coverage |
|---|---|
| Travel Medical Emergencyā | Up to $2,000,000 for the first 21 days (4 days for those over 65); Additional top-up coverage is available |
| Travel Accidentā | Up to $500,000 |
| Trip Cancellationā | Up to $1,500 per person to a max. $5,000 |
| Trip Interruptionā | Up to $5,000 per person with a max of $25,000 |
| Flight/Trip Delayā | Up to $500 (after 4 hours) |
| Delayed/Lost Baggageā | Up to $1,000 (after 6 hours) |
| Car Rental Insuranceā | Up to 48 days |
| Hotel/Motel Burglary Insuranceā | Up to $2,500 for items stolen from hotels/motels |
TD Aeroplan Visa Infinite free checked bag
This cardās perks extend even further to checking your bags when you get to your flight.You get your first checked bag free as well as up to 8 other travelers on the same reservation, when your flight originates on an Air Canada flight.ā
Emergency travel assistance program
Cardholders have access to a toll-free number for any issues or emergencies when it comes to your travels.
Aeroplan point expiration
As long as your credit card account is in good standing, your Aeroplan points will never expire.
How many points per dollar with TD Aeroplan Visa Infinite?
With the TDĀ® AeroplanĀ® Visa Infinite* Card, youāll earn Aeroplan points on everyday purchases you make with your card. You can earn 1.5 Aeroplan pointsā per dollar spent on eligible gas, grocery and direct through Air CanadaĀ® purchases (including Air Canada VacationsĀ®) made with your card.
You earn 1 Aeroplan pointā for every $1 spent on all other purchases.
When you pay with your Card and present your Aeroplan Membership Card at participating retailers and the Aeroplan eStore, you can earn twice the Aeroplan pointsā .
Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating StarbucksĀ® stores. Simply link your TD Aeroplan Visa Infinite Card to your StarbucksĀ® Rewards account. Conditions apply. Learn more here.
How to redeem TD Visa Infinite travel points
With the current Aeroplan points program, itās much easier to redeem those points. You can do so directly through the aircanada.ca website or the AirCanada app. The whole process has been transformed offering you more transparency and simplicity when redeeming your Aeroplan points.
Rates and fees
Interest rates
The TDĀ® AeroplanĀ® Visa Infinite* Card comes with some standard interest rates. Youāll pay 20.99% on standard purchases, 22.99% on balance transfers, as well as 22.99% on cash advances.
Fees
- Annual fee: $139
- Additional cardholderā annual fees: $75
- Cash advance transaction: 1% of the amount of the transaction (minimum fee of $3.50 up to a maximum fee of $10.00) (in Canada) or $5.00 (outside Canada), plus $3.00 at a PLUS* network ATM. (Fee does not apply to a Balance Transfer or TD Visa Cheque).
- Foreign transaction fee: 2.5%
- Dishonoured payment fees: $48
- Rush card fee (per rush delivery request): $25
- Overlimit fee: $29
- Balance transfer / cheque fee: 3% of the amount of each Balance Transfer or TD Visa Cheque
Who is eligible for the card?
In order to be eligible for this card you have to be a Canadian resident at the age of majority of their province or territory. Youāll also have to have a minimum personal income of $60,000 or household income of $100,000 as well as a credit score in the good to excellent range.
How to get the TDĀ® AeroplanĀ® Visa Infinite* card
Applying for the TDĀ® AeroplanĀ® Visa Infinite* Card is simple. You need to fill out information on your name, address, occupation, income, and credit history. The application process shouldnāt take you too long so long as you have the information on hand.
Aeroplan - TD Aeroplan Visa Infinite Card vs. American Express Gold Card
| TD Aeroplan Visa Infinite vs. American Express Gold card | TDĀ® AeroplanĀ® Visa Infinite* Card | American ExpressĀ® Gold Rewards Card |
|---|---|---|
| - |  |
 |
| Annual fee | $139 | $250 |
| Welcome bonus | Earn up to $1,200 in valueā including up to 50,000 Aeroplan pointsā (enough for a round trip to New York Cityā ). Conditions Apply. Account must be approved by June 3, 2024. | Earn up to 60,000 Membership RewardsĀ® points |
| Earn rates | Earn 1.5 Aeroplan pointsā per $1 spent on eligible gas, grocery, and direct through Air CanadaĀ® purchases (including Air Canada VacationsĀ®) made with your card; 1 pointā per $1 spent on everything else | 2x the points on travel (flights, hotels, car rentals, cruises), and gas, groceries, drugstore purchases in Canada, 1x the points on everything else from dining to takeout, subscriptions, shopping and more |
| Key features | Comprehensive travel insurance programā . Earn Aeroplan points twice at participating retailers and the Aeroplan eStoreā . | Flexibility when redeeming points; transfer points to Aeroplan 1:1 |
| Get started | Apply now | Apply now |
ā Terms and conditions apply.
As an Amex, the American Express Gold Rewards Card has more limited merchant acceptance rates than a Visa or Mastercard, which is definitely a drawback.
But the American ExpressĀ® Gold Rewards Card does have a hidden feature worth pointing out: its Amex Membership Rewards points can be transferred 1:1 to Aeroplan. And if you instead opt to keep the points you earn as Amex points they will still be more flexible than Aeroplan points, as you can redeem Amex points directly against a charge to your credit card.
Comparing Aeroplan Visa Infinite cards
| TD Visa Infinite Aeroplan vs. CIBC Visa Infinite Aeroplan | TD Aeroplan Infinite Visa Card | CIBC Aeroplan Infinite Visa Card |
|---|---|---|
| - |  |
 |
| Annual fee | $139, $75 for an additional card holder | $139 (first year annual fee rebate), $50 each for up to 3 additional cards (first year annual fee rebate) |
| Minimum income | $60,000 annual personal income or $100,000 annual household income. | $60,000 annual personal income or $100,000 annual household income. |
| Welcome bonus | 50,000 Aeroplan pointsā . | 50,000 Aeroplan points*. |
| Earn rate per $1 | 1.5 points on eligible gas, grocery and direct through Air CanadaĀ® purchases, 1 point on all other purchases. | 1.5 points on eligible gas, electric vehicle charging, groceries and with Air Canada directly, 1 point on all other purchases. |
| Insurance | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, car eental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty |
| Extra perks | Unlock one-car class rental upgrades with Avis, 10% discounts at Avis and Budget in North America, at least 5% internationally, NEXUS application fee rebate every 48 months, share free first checked bags with up to 8 travel companions | Unlock one-car class rental upgrades with Avis, Avis and Budget car rental discounts, free first checked bag for 2 travellers for each round-trip flight |
| Get started | Apply now | Apply now |
ā Terms and conditions apply.
With virtually the same benefits, complete insurance coverage, and earn rates, it's hard to lose with either cardāthey're both winners.
The CIBC has a bigger welcome bonus whereas the TD gives you the NEXUS rebate (both are valued at around $100).
TD Aeroplan Infinite Visa vs. TD Visa Infinite Rewards
| Aeroplan vs. TD Rewards | TD Aeroplan Visa Infinite Card | First Class TravelĀ® Visa Infinite* Card |
|---|---|---|
| - |  |
 |
| Annual fee | $139 | $139 (first year annual fee rebate) |
| Minimum income | $60,000 annual personal income or $100,000 annual household income. | $60,000 personal or $100,000 annual gross household income |
| Welcome bonus | Earn up to $1,200 in valueā including up to 50,000 Aeroplan pointsā . Conditions apply. Account must be approved by June 3, 2024. | Earn up to $800 in valueā , including up to 100,000 TD Rewards Points, no Annual Fee for the first yearā and additional travel benefits. Conditions Apply. Account must be approved byJune 3, 2024. |
| Earn rate per $1 | 1.5 points on eligible gas, grocery and direct through Air CanadaĀ® purchases, 1 point on all other purchases. | Earn 8 TD Rewards Points on Travel Purchases with ExpediaĀ® For TD, 6 TD Rewards Points with groceries and dining, 4 TD Rewards Points on Regular Recurring Bill Payments, 2 TD Rewards Points on all other Purchases |
| Insurance | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty | Travel medical, travel accident, Trip Cancellation/Trip Interruption, Flight/Trip Delay Insurance, Delayed and Lost Baggage Insurance, Auto Rental Collision / Loss Damage Insurance, Hotel/Motel Burglary, Mobile device, purchase security and extended warranty |
| Extra perks | Unlock one-car class rental upgrades with Avis, 10% discounts at Avis and Budget in North America, at least 5% internationally, NEXUS application fee rebate every 48 months, share free first checked bags with up to 8 travel companionsā | Annual TD Travel Credit of $100 when you book at ExpediaĀ® For TD, Birthday Bonus equal to 10% of TD Rewards points earned over the past year. |
| Get started | Apply now | Apply now |
ā Terms and conditions apply.
The TD First Class TravelĀ® Visa Infinite* Card unlocks any airline, but the best value is when you book with Expedia. Neither Aeroplan nor TD Rewards points expire.
With the same insurance, annual fee, and similar perks, and both highly rated loyalty programs, the question becomes which points have more value.
The net annual rewards (deducting the annual fee) of the TD Aeroplan Visa Infinite Card is just under $400 and the TD First Class TravelĀ® Visa Infinite* Card (also deducting the annual fee) is around $230 (if you're spending about $2,000 a month).
The welcome bonus with TD Aeroplan Visa Infinite Card is worth about $735 where the TD First Class TravelĀ® Visa Infinite* Card is $575.
So TD Aeroplan Visa Infinite Card wins, right? Well, are you more loyal to the Aeroplan where you can switch to Amex, CIBC, Scotia with ease or are you loyal to TD and its reward program?
Is TD Visa Infinite worth it?
In my opinion, the cardās best features are the travel insurance program and high earn rate. Rewards are valued higher when redeemed for Air Canada flights and lounges but if you can make your travel plans align, it can be worth it.
This card is a great option for eligible, frequent travellers who can take advantage of the high earn categories and practical travel perks. Its sign up bonus gives the card immediate value, while the earn rates and included travel insurance maintain the cardās value even as you pay an annual fee.
TD Aeroplan Visa Infinite FAQs
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