• Annual Fee: $139
  • APR: 19.99% - 22.99%
  • Maximum Earnings Rate: 1.5 Aeroplan Points for $1 spent
  • Minimum Personal Income Requirement: $60,000
  • Recommended Credit Score: 760-900

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TD Aeroplan Visa Infinite Review: Pros and Cons [Reviewed in 2022]

If you’ve ever wondered which Visa card gives you a bang for your buck, look no further than the TD Aeroplan Visa Infinite. This card lets you experience truly amazing travel benefits and equips you with some magnificent and sought-after features.

Let’s get to the nuts and bolts!

TD Aeroplan Visa Infinite Review: Pros and Cons [Reviewed in 2022]

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  • Annual Fee: $139
  • APR: 19.99% - 22.99%
  • Maximum Earnings Rate: 1.5 Aeroplan Points for $1 spent
  • Minimum Personal Income Requirement: $60,000
  • Recommended Credit Score: 760-900

Best For

Best For Aeroplan Points


  • Great welcome bonus
  • Comprehensive travel insurance
  • Extended purchase warranty
  • High earn rates
  • Top-notch concierge service
  • Discounts on car rentals


  • High annual fee
  • High minimum income requirement
  • No airport lounge access


If you live in Canada, you’ve probably heard of the TD Bank Group. The TD Bank Group is a subsidiary of the Toronto Dominion Bank, a financial services company that offers a wide range of financial products. 

The company has been around for a while, since 1955. It was founded in Toronto, Ontario, and its headquarters are still located there. According to the bank’s corporate profile, it consists of approximately 90,000 employees from all around the world. 

As far as customers go, TD Bank Group currently offers their services and products to over 26 million people worldwide. Their popularity was evident by their $1.7 trillion in assets in 2021!

The company has recently made a name for itself by issuing rewards credit cards, with their TD Aeroplan Visa Cards enjoying high acclaim for their numerous perks. This is mainly because TD Aeroplan offers many opportunities for earning Aeroplan Points, which you can then redeem for flights, and who doesn’t want that?

Main Features

The TD Aeroplan Visa Infinite program provides an extraordinary assortment of unique features and advantages. Let’s take a peek into the main package so that you’d know what you’re getting into before committing.

Welcome bonus

The welcome offer is undoubtedly one of the most significant selling points of the TD Aeroplan Infinite. Following the registration, you get up to 50,000 TD Aeroplan points and up to $1,400 in value, along with a Buddy Pass that allows you to bring a friend to any Economy flight with Air Canada for a $0 base fare.

Plus, the Buddy Pass is valid for all travels within North America.

To be eligible for the abovementioned points, you need to apply online before September 5, 2022, as this is a limited-time offer. After it ends, cardholders will get up to 25,000 Aeroplan points.

What’s more, for your first year, the TD Visa Aeroplan Infinite gives you an annual fee rebate if you make your first purchase within the first three months of registering. 

Earn rates

This new Visa from TD Aeroplan will provide you with 1.5 Aeroplan points for every $1 spent on gas, groceries and direct purchases through Air Canada. Otherwise, you earn 1 point for every $1 spent on all other eligible purchases made with your TD Aeroplan credit card.

Additionally, you can earn points twice if you pay with your card and provide your Aeroplan number at partner brands.

Mobile payments

If you’re new to the world of TD Aeroplan cards, you’d be surprised to discover that you can make purchases through your TD mobile app.

To do this, you need to choose which TD credit card you want to use for each purchase (or set a default one). Then, you can hold up your smartphone over the merchant point of sale terminal, and your purchase is made automatically.

Generally, you can use these mobile payments for small purchases in drug stores, restaurants, or coffee shops that accept contactless payments. Plus, this method is available internationally, not just in Canada or the US. 

Rewards on everyday spending

Unsurprisingly, TD Aeroplan offers rewards on a wide range of everyday purchases.

For example, when visiting Starbucks, you can earn 50% more Aeroplan points if you link your new TD Aeroplan card to your Starbucks Rewards account. Then, you can buy your favourite drink or snack entirely with points! Coffee and points? Sign us up!

Emergency card replacement

TD Bank’s Aeroplan Visa comes with an advantageous emergency card replacement feature. Fortunately, if your card gets damaged or stops working, you won’t have to panic-call the customer support reps and demand an explanation. Instead, you can simply request a replacement card.

But how? Well, all you need to do is send a request through EasyWeb or through the TD mobile app you have on your phone. If not, you can directly call customer service to rectify the situation. However, if your TD Infinite Visa has been stolen or lost, you must reach out by phone immediately. 

Additional Perks and Benefits

As you can imagine, the TD Aeroplan Visa Infinite offers benefits beyond your expectations. Most of these perks come in handy for frequent travellers, but other cardholders can also reap the rewards. 

Travel Benefits

TD Aeroplan Visa Infinite’s travel insurance leaves nothing to be desired, with multiple insurances for specific predicaments, assistance services, and other perks. It covers the following:

  • Travel medical insurance of up to $1 million for the first 21 days
  • Trip cancellation/interruption insurance of up to $1,500 per one insured person
  • Flight delay insurance of up to $500 for delays longer than four hours
  • Lost baggage insurance of up to $1,000 per insured person
  • Travel accident insurance of up to $500,000 while travelling on a common carrier
  • Hotel burglary insurance of up to $2,500 per occurrence for stolen eligible items
  • Auto Rental Collision/Loss Damage insurance of up to 48 consecutive days

Believe it or not, this isn’t the full extent of travel benefits! 

Apart from these, the TD Aeroplan Visa card provides top-notch Emergency Travel Assistance Services, which will aid you in the event of a personal emergency while travelling. 

Furthermore, by applying for a NEXUS, you will get an application fee rebate of up to $100. These benefits are also applicable to Additional Cardholders, so no one’s left out!

Purchase insurance

If you thought the TD Aeroplan Visa insurance covers only travel issues, you’re dead wrong! What makes this review even more positive is the purchase insurance covering the following categories:

  • Mobile device insurance
  • Purchase security
  • Extended warranty

The maximum coverage limit for mobile devices is $1,000. Moreover, you’re entitled to compensation if something happens to your phone or tablet. For this to take effect, you’re required to charge the total amount to your Aeroplan Visa Infinite.

The purchase protection covers the purchases made on your card for up to 90 days.

On the other hand, the extended warranty feature doubles the purchases’ original warranty for one year. 

Complimentary checked bag

If you’re still not convinced about the benefits of the Aeroplan TD Visa, we have more to tell you. By purchasing this card, Primary Cardholders, Additional Cardholders, and their travel companions travelling on the same reservation with Air Canada will have their first checked bag free of charge. And we know how expensive checked bags can get!

Concierge service

Have you ever wanted to feel like you’re a VIP? Well, with this Aeroplan credit card from TD, you can get your own 24/7 complimentary Visa Infinite Concierge to help you with any requests – big or small. Your concierge will be available to you whenever you need them, providing you with tips to get the most out of your trip or shopping experience. 

Miles Rewards Program

As an Aeroplan member, you can take advantage of the TD Aeroplan Miles Rewards Program when booking a flight with Air Canada. Moreover, your miles are not set in stone because you’re allowed to transfer and even donate them if you wish.

There are two different ways you can redeem your miles: Fixed Mileage or Market Fare Flights

The former is self-explanatory and requires your destination to be under a fixed number of miles with limited seats available at any time. On the other hand, the latter is a bit more flexible and costly by allowing you to pay the flight taxes and fees using your Aeroplan miles.

Exclusive benefits

As soon as you sign up for an Aeroplan Visa Infinite, you’ll gain access to a rich suite of services, such as:

  • Visa Infinite Luxury Hotel Collection allows you to receive exclusive benefits when booking at some of the featured luxury hotels
  • Visa Infinite Dining Series gives you access to gourmet events and culinary explorations with prized chefs
  • Visa Infinite Wine Country Program gives you discounts on wine purchases, private tours, and complimentary tastings at over 95 wineries in British Columbia and Ontario
  • Visa Infinite Entertainment Acess provides you with exclusive access to events in Canada, such as the Toronto International Film Festival
  • Visa Infinite Troon Golf helps you receive elevated Troon Rewards Silver Status and provides a 10% discount on merchandise, green fees, and golf lessons

If you’re still looking to upgrade, cardholders of TD Aeroplan Visa Infinite Privilege gain exclusive access to the TD Aeroplan Maple Leaf Lounge, where you can sit back and wait for your flight privately in maximum comfort. However, bear in mind that the Privilege card has higher annual fees.

Rates and Fees

Cash Advance APR 22.99%
Balance Transfer APR 22.99%
Purchase APR 19.99%
Hidden Fees Foreign transaction fee, Over-limit fee, Dishonoured payment

As you can see from the table above, the interest rates for this card are standard for the industry. Moreover, cardholders should keep in mind the additional fees applicable. 

The TD Aeroplan Visa Infinite has a foreign transaction fee of 2.5%, an over-limit fee of $29, and a dishonoured payment of $48. Although this isn’t too expensive, it’s crucial not to overlook these fees when making payments, as they might quickly drain your account if you’re reckless.

To compare rates and fees, check out our selection of the best Aeroplan credit cards


As with other Visa cards, the TD Aeroplan Visa’s eligibility requirements aren’t too restrictive. Namely, to qualify for this card, you’ll need:

  • To be a Canadian resident
  • To be the age of majority in your province or territory
  • $60,000 personal annual income or $100,000 household annual income

Although officially there is no credit score requirement, to be on the safe side, we recommend good to excellent credit. Keep in mind that rejections for the Visa are pretty common, so you should make sure to give yourself a good fighting chance. 

Application Process

Contrary to popular belief, the application process for an elite Visa isn’t overly complex. But, before you sign a TD Aeroplan Visa Infinite cardholder agreement, you need to ensure you fulfill the requirements we’ve listed above. 

Then, all you need to do is go to the TD website, find your desired card and click the Apply Now button. The application page requires your basic information, credit history, and income. After you’ve filled this in, your application will be sent for approval, which doesn’t take long. 

Finally, TD Bank Group will send your card in the mail after your approval, and you’ll be ready to take advantage of all its rewards!

Want to Consider Other Options?

Undoubtedly, TD Aeroplan Visa Infinite is a great travel card. But is it the best? Let’s find out through a brief comparison with similar cards.

TD Aeroplan Visa Infinite vs. American Express Platinum

As far as luxury travel cards go, we can’t help but mention the American Express Platinum Card. This card gives new members up to 100,000 reward points along with the $200 bonus travel credit per year.

Cardholders also gain access to the platinum concierge service, which is thought to be the best in the industry, along with the best-in-class travel insurance. Moreover, AmEx Platinum enables its cardholders to experience a wide range of luxury experiences from dining and travelling to events. It seems as if they haven’t missed a thing!

In terms of expenses, the AmEx Platinum has a steep annual fee of $699, an APR ranging from 15.99% to 22.99%, no recommended credit score or minimum annual income, and a maximum earning rate of 3 points per $1 spent. 

TD Aeroplan Visa Infinite vs. American Express Cobalt Card

Another similar card from AmEx is the one and only Cobalt Card. As a cardholder, you can save up to 15% on grocery purchases and other eligible expenses. Furthermore, this rewards credit card allows you to earn 5 points per $1 spent on groceries for a monthly fee of only $12.99.

Additionally, the Cobalt card offers a nice $100 hotel credit, comprehensive phone insurance, excellent hotel upgrades, and more. Besides the annual fee of $155.88, the card has an APR of 20.99% on purchases and 21.99% on cash advances.

And if your credit score doesn’t qualify for the TD Aeroplan Visa, you can try your luck with the Cobalt, as it requires a score of 575-649.

So, if you’re looking for a card that has both great travel perks and rewards on everyday spending, consider the AmEx Cobalt as a contender. We’re sure you won’t regret it.

Final Verdict

Consolidating the welcome proposal with the focus on procuring points on ordinary buys, the TD Aeroplan Visa Infinite Card stands out as an exceptionally competitive travel card.

Even though it has a few obvious drawbacks such as the annual fee or minimum income requirement, it still occupies one of the top positions in Canada’s best travel credit cards. Therefore, if you have itchy feet and like rewards on your everyday purchases, the TD Visa is your go-to.


Is TD Aeroplan Visa worth it?

Assuming you like to spend a decent load of cash each year on groceries, gas, and travel – then you might want to add TD Aeroplan Visa Infinite to your shortlist. However, if you’d like to get more access to airport lounges, we suggest you keep looking for other options.


How do I link my Aeroplan card to my account?

Please visit www.aircanada.com/linkmycard and follow the instructions. It takes up to 72 hours for the activation process to be completed.


With an early start in journalism and years of work as a technical translator, Marija felt it was natural to blend the two. Passionate about news and research, she enjoys sifting through the data, researching new currents and the constant changes in our technologically and financially driven lives, as well as presenting the stats and facts to the readers so you don’t have to dig deep on your own.