The TD® Aeroplan® Visa Infinite* Card is the Aeroplan card Canadians apply for the most across our network, by a wide margin. The formula: up to 40,000 Aeroplan points, a first-year fee rebate, and a free first checked bag on Air Canada for you and up to eight companions.
Here is exactly how the offer pays out, what the card earns, and who should pick it over the premium tiers. For the whole category, see our best Aeroplan credit cards ranking.
Welcome Offer: Up to 40,000 Points
TD splits the offer into three instalments, so the full amount depends on your first-year spending:
- 10,000 points: on your first purchase
- 15,000 points: when you spend $3,000 in the first 90 days
- 15,000 points: on your first anniversary, if you spend $12,000 over the year
- First year free: the $139 annual fee is rebated for the primary and additional cardholders
Earn Rates
Earning concentrates on two everyday categories, with Aeroplan partner stacking on top:
| Category | Points per $1 |
|---|---|
| Groceries | 1.5 |
| Gas | 1.5 |
| Air Canada purchases | 1.5 |
| All other purchases | 1 |
Air Canada Perks and Insurance
- Free first checked bag: for the cardholder and up to 8 companions on the same Air Canada booking
- Preferred pricing: on Aeroplan flight rewards while you hold the card
- Insurance: travel medical, trip cancellation and interruption, rental car coverage, mobile device insurance, purchase protection and extended warranty
The checked-bag benefit alone is the quiet star: a family of four checking bags both ways saves roughly $280 per round trip, twice the annual fee.
Fees and Eligibility
| Item | Amount |
|---|---|
| Annual fee | $139 (rebated year 1) |
| Additional card | $75 (also rebated year 1) |
| Purchase rate | 21.99% |
| Cash advance rate | 22.99% |
| Foreign currency conversion | 2.5% |
| Minimum income | $60,000 personal or $100,000 household |
If your income sits below the Visa Infinite floor, the Amex Aeroplan Card has no such requirement; our Aeroplan ranking compares the full lineup.
Who This Card Is For
- Air Canada households: anyone flying the airline two or more times a year, where the bag benefit compounds
- Aeroplan collectors: the 1.5x groceries and gas rates feed the program without changing habits
- First premium card: a fee-waived year makes it a low-risk step up from no-fee cards
Who Should Look Elsewhere
- Non-Air Canada flyers: the perks concentrate on one airline; a flexible travel card returns more
- Lounge seekers: no lounge access at this tier; that starts at the $599 cards
How It Compares
Against its own family, the card sits between the $89 TD Aeroplan Visa Platinum, which drops the anniversary tranche and insurance depth, and the $599 Visa Infinite Privilege, which adds lounge-grade perks. Against Amex, the Aeroplan Card matches the bag benefit with no income floor, but posts a smaller first-year offer.
Our Verdict
For most Aeroplan members, the TD® Aeroplan® Visa Infinite* Card is the sweet spot: real airline perks at a mid-range fee, waived in year one. The anniversary tranche rewards keeping the card active rather than churning it.
Frequent flyers who want Maple Leaf Lounge access should look one tier up; occasional flyers who mostly want the bag benefit and preferred pricing are exactly where this card wins. Compare it side by side in our comparison tool.
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