TD Aeroplan Visa Infinite Review 2024

TD Aeroplan Visa Infinite Review
  • Annual Cost
  • Earn Rate
  • Perks and Rewards
  • Customer Service

TD Aeroplan Review Summary:

Now that travel is back in full swing, you might be looking for a card that will get you further on your next trip. The TD Aeroplan Visa Infinite card is one of TD’s best cards for frequent travelers. Although there is an annual fee, as well as an income requirement, which other cards do not have, it can still pay off.

In our TD Aeroplan Visa Infinite review, we will break down the many benefits of the card, how to earn maximum points, and how it compares to another popular Aeroplan card, the CIBC Aeroplan Visa Infinite card.


  • Generous welcome bonus (up to 50k free points)
  • Good earn rate
  • Travel insurance coverage
  • Perks and benefits
  • Best overall Aeroplan card in Canada


  • $139 annual fee (waived in the first year if certain requirements are met)
  • Aeroplan points aren’t as flexible as some other travel points programs

Recipient of multiple credit card awards, including our own Best Aeroplan Card prize, the TD Aeroplan Visa Infinite is widely recognized as a top travel credit card. Our TD Aeroplan Visa Infinite review breaks down what makes this card so good, as well as how it compares to one of its closest competitors.

Aeroplan is Air Canada’s signature loyalty program, allowing members to use their points to book travel on Air Canada and other Star Alliance airlines. Members booking with Air Canada have no seat or flight restrictions, and no cash surcharges on flight rewards.

Collectors can earn points by presenting their Aeroplan number at any one of 150+ Aeroplan partner stores—but an Aeroplan credit card like the TD Aeroplan Visa Infinite expands points earning capacity, allowing collectors to earn points no matter where they shop. Cardholders can double their earn rate at Aeroplan partner stores by paying with their TD Aeroplan Visa Infinite card and presenting their Aeroplan number as well.

So, how does the TD Aeroplan Visa Infinite really stack up against the competition and why did we give it our Best Aeroplan Card award? Let’s break it down.

TD Aeroplan Visa Infinite Review: The Numbers

Annual Fee: $139 ($75 per additional card)

Minimum Income: $60,000 personal or $100,000 household

Interest Rate: 20.99% on purchases, 22.99% on cash advances

Earn Rate: The TD Aeroplan Visa Infinite has a good earn rate, including accelerated earning (1.5 points per dollar) on eligible gas, grocery, and Air Canada purchases. The base earn rate on all other purchases is 1 point per dollar spent.

Cardholders can earn double the points by paying with their card and providing their Aeroplan number at Aeroplan partner stores.

TD Aeroplan Visa Infinite Welcome Bonus:

The TD Aeroplan Visa Infinite has one of the most generous welcome bonuses in this category, offering new customers up to 50,000 Aeroplan points, plus a Buddy Pass, as well as waiving the annual fee for the first year:

  • 10,000 points for opening a TD Aeroplan Visa Infinite card account and making a purchase within the first three months of opening the account.
  • A second 25,000 points when you spend $5,000 within the first 180 days of account opening.
  • Receive an anniversary bonus of 15,000 points when you spend $7,500 within the first 12 months of account opening. 
  • Receive your first checked bag for free, along with the first checked bag of up to 8 travel companions. 
  • Get a NEXUS application fee rebate of up to $100 every 48 months, which extends to additional cardholders.

Insurance Coverage

The TD Aeroplan Visa Infinite offers comprehensive travel insurance including:

  • Up to $2 million of travel medical insurance
  • Trip cancellation/interruption insurance
  • Flight/Trip delay insurance
  • Delayed and lost baggage insurance
  • Common carrier travel accident insurance
  • Hotel/motel burglary insurance·  Auto rental collision/loss damage insurance.
  • Auto rental collision/loss damage insurance.

Perks and Benefits

TD offers its Aeroplan Visa Infinite cardholders some excellent perks. This includes:

  • First checked bag free on trips that originate with Air Canada flights
  • A NEXUS application fee rebate up to $100 every 48 months
  • 1.5 bonus Aeroplan points for each $1 spent at Starbucks (at participating locations)
  • 10% off Avis and Budget car rentals in the US and Canada (5% off internationally)
  • Purchase security (eligible new items purchased on the card are covered against theft or damage for 90 days)
  • Extended warranty (if a purchased item comes with a manufacturer’s warranty, you may be eligible to double the warranty period up to 12 months).
  • Earn 50% more Aeroplan points and 50% more stars when you spend at participating Starbucks locations.

TD also offers cardholders exclusive Visa Infinite perks including:

  • Visa Infinite Concierge Service
  • Visa Infinite Luxury Hotel Collection
  • Visa Infinite Dining Series
  • Visa Infinite Wine Country
  • Visa Infinite Entertainment Access·  Visa Infinite Troon Golf

TD Aeroplan Visa Infinite Card vs CIBC Aeroplan Visa Infinite Card

For our TD Aeroplan Visa Infinite review, our editorial team put TD’s card up against another close competitor, the CIBC Aeroplan Visa Infinite. These cards are remarkably similar, with the same annual fees, interest rates, earn rates, and required minimum income.

Both cards offer a similar welcome bonus. Currently the TD Aeroplan Visa Infinite offers a welcome bonus of 45,000 points. We’re big fans of generous welcome bonuses, and this one could cover two short-to-medium haul domestic flights, depending on your destination. Again, keep an eye on TD’s welcome bonuses because they have recently offered even more points to new cardholders.

In addition, both cards offer to waive the first year’s fee for the primary cardholder, including up to three additional cardholders.

In terms of travel insurance, TD and CIBC have put together similar packages, offering equal amounts of:

  • Trip cancellation insurance
  • Common carrier travel accident insurance
  • Hotel/motel burglary insurance
  • Auto rental loss/collision/damage insurance

However, there are a few differences worth noting:

  • TD offers more generous trip interruption insurance ($5,000 per person to a maximum of $25,000) and delayed/lost baggage insurance (up to $1,000 per person).
  • CIBC offers significantly more emergency medical coverage ($5 million as opposed to $2 million), but they offer it for less total time (15 days instead of TD’s 21-day coverage).
  • Travellers 65 and over receive emergency medical coverage for 4 days with TD and 3 days with CIBC, neither of which makes them an industry leader.

In the end, we feel that TD comes out slightly on top in this contest, although we would like to emphasize that CIBC’s coverage is also excellent.

In terms of other perks, these two cards share many of the same or similar perks, but in our books, the TD Aeroplan Visa Infinite comes out on top: 

  • TD’s rental car discount offer is less robust than CIBC’s, but they offer it at more than one car rental company, which allows for more flexibility. 
  • TD offers cardholders a NEXUS application fee rebate up to $100 every 48 months. 
  • TD currently offers 1.5 points per dollar spent at participating Starbucks locations. If you buy as much coffee as some members of our editorial team do, this could really add up.

Whichever of these two cards you choose, you’ll be getting a quality card with a solid earn rate, plus good perks and insurance, so let your own preferences guide you – we prefer the TD Aeroplan Visa Infinite, but we appreciate what CIBC has to offer and we won’t judge you if you sway the other way (we promise).

TD Aeroplan Visa Infinite Review: Research Always Pays Off

When we reviewed the best travel cards on offer for 2024, we gave the Best Aeroplan Card prize to the TD Aeroplan Visa Infinite because of its earn rate, perks, and one of the best welcome bonuses on offer. However, just because it was the best to us, that doesn’t guarantee that it will be the best for you. Make sure you investigate all the options before you decide.

Look at your own situation and preferences. Take some time to figure out what you want most from an Aeroplan credit card and then look at the options to see which one best fits your needs. You can see from the previous section that there are excellent and very similar options available. The TD Aeroplan Visa Infinite is a great choice for people who are looking for an Aeroplan card—but is it the best choice for you? Only you can make that call.

TD Aeroplan Visa Infinite FAQ

How to apply for the TD Aeroplan Visa Infinite

Personal Requirements: You can apply for this card if you are a Canadian resident who has reached the age of majority in your province/territory of residence.

Required Minimum Income: $60,000 personal annual income, or $100,000 household income

Predicted Credit Score Requirement: 760-900 (Good to Excellent)

TD Aeroplan Visa Infinite Review: Final Verdict

The TD Aeroplan Visa Infinite card has some serious benefits for travelers. Not only are there many ways to earn points, but you’ll also receive additional perks such as a generous welcome bonus, free checked bag, travel insurance and more. 

As you can see, there are many reasons why we voted it the Best Aeroplan Visa for 2024. While this is a fantastic card for those that qualify in terms of income, and who don’t mind the somewhat high annual fee, it might not be the right fit for everyone. If you are looking for a no fee card with a lower income requirement, check out our review of the CIBC Aeroplan Visa.


Meg Goodmanson is a writer, editor, virtual assistant, credit card expert, and lifelong learner-of-things. A self-proclaimed nerd, Meg’s favourite thing is collecting information and presenting it in an interesting and helpful way—especially if it helps her travel for free!
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3 years ago

Love this card. Can’t wait until I can sign up for it again!

Last edited 3 years ago by AnotherLoonie