Daniela Hanna
The TD Aeroplan Visa Infinite Card gives you a straightforward way to earn points toward flights, hotels or other travel, with a welcome offer, boosted points on grocery, gas and Air Canada purchases, free checked bag on Air Canada flights, and a full suite of travel protections. It’s ideal if you fly with Air Canada, want flexible redemptions, and don’t need ultra-luxury perks.
Quick highlights
- 🎁 Welcome offer: up to 45,000 Aeroplan points under the current promotion (first purchase + spend thresholds + possible anniversary bonus).
- ⛽ 1.5× Aeroplan points per $1 on eligible gas, EV charging, grocery, and Air Canada purchases.
- 💳 1× Aeroplan point per $1 on all other eligible purchases.
- 🧳 First checked bag free for you + up to 8 travel companions on any Air Canada flight.
- 🌍 Points don’t expire as long as the account is in good standing.
- 🛫 Solid travel insurance including medical, trip interruption, baggage & rental-car coverage.
- 🎯 Ability to earn Status Qualifying Miles (SQM) and Segments (SQS) for every $10,000 spent — useful if you chase elite status with Air Canada.
Why we like the TD Aeroplan Visa Infinite Card
If you fly regularly with Air Canada — or plan to — this card’s combination of boosted earn on groceries, gas and airline spending, a generous welcome bonus, and perks like free checked baggage for you and your family or friends can add up quickly.
The flexibility of the Aeroplan program means you’re not locked into one airline, and points can be redeemed for flights, hotels, car rentals, vacation packages — or even gift cards and merchandise. For a mid-tier fee and straightforward earning, this card balances everyday value with travel perks nicely.
Pros
- Up to 45,000 welcome Aeroplan points under current offer.
- Strong 1.5× earn rate on groceries, gas, EV charging and Air Canada purchases — great for everyday spenders.
- First checked bag free on Air Canada flights for you and up to 8 travel companions.
- Points don’t expire while card is active, offering long-term flexibility.
- Comprehensive travel insurance and trip protection benefits suitable for most trips.
- Earn Status Qualifying Miles / Segments toward Aeroplan elite status when you spend enough — useful for frequent flyers.
- Lower annual fee than premium travel cards yet still offers valuable travel perks.
Cons
- No airport lounge access — not ideal for travellers who value premium lounge perks.
- Earn rate reverts to 1× on non-bonus purchases, which is modest compared to dedicated cash-back or high-reward cards.
- Aeroplan points redemption value can vary and sometimes isn’t great if not used carefully.
- To get full value from the welcome bonus and benefits, you need to plan spending and travel — casual users may see limited upside.
- Points value is best when redeemed for travel; merchandise or gift-card redemptions often deliver lower cents-per-point value.
Rewards program
The TD Aeroplan Visa Infinite Card uses Aeroplan points — a flexible travel currency that works across flights, hotels, car rentals and other travel bookings, or for merchandise and gift cards if you prefer. Earning and redemption are simple and give you plenty of flexibility.
- 1.5 Aeroplan points per $1 on eligible gas, grocery, EV charging, and direct Air Canada purchases.
- 1 Aeroplan point per $1 on all other eligible purchases.
- Welcome bonus: up to 45,000 Aeroplan points under the current promotion (first purchase + spend milestones + possible anniversary bonus).
How to maximize points
-
Load up on groceries, gas, EV charging and Air Canada spend.
Since those categories earn 1.5× points, saturating them with everyday expenses builds points quickly. -
Use the welcome bonus wisely.
The 45,000-point bonus gives a strong head start — using it for flights or hotels usually yields the best value. -
Plan with flexibility.
Aeroplan points don’t expire while your account remains in good standing, giving you freedom to wait for deals. -
Use the complimentary checked bag perk.
This benefit can save significant money, especially for family travel or multiple round-trip flights. -
Redeem for travel for best value.
Flights, hotels and rentals typically provide higher cents-per-point value compared with gift cards or merchandise.
Insurance & benefits
This card includes a comprehensive travel and trip-protection package, including travel medical insurance, trip cancellation/interruption, flight delay, baggage delay/loss, rental car coverage, hotel/motel burglary insurance, and purchase protection & extended warranty for eligible purchases.
Cardholders can also earn Status Qualifying Miles (SQM) and Segments (SQS) toward Aeroplan elite status through eligible spending, and enjoy free first checked bag on Air Canada flights for themselves and companions.
Rates & fees
| Annual fee | $139 |
|---|---|
| Welcome bonus | Up to 45,000 Aeroplan points |
| Purchase APR | 19.99% |
| Cash advance APR | 22.99% |
| Foreign transaction fee | 2.5% |
| Grace period | At least 21 days on new purchases when you pay your statement balance in full |
Best for
- ✈️ Regular travellers with Air Canada wanting free checked baggage and flexible point redemptions.
- 🛒 Canadians who spend frequently on groceries, gas, EV charging or Air Canada purchases.
- 🧳 Travellers who want insurance and practical perks without paying premium-card fees.
- 🎯 People who want simple, predictable earning with easy-to-use travel rewards.
Where it falls short
- No airport lounge access.
- 1× earn rate on non-bonus purchases is average.
- Aeroplan redemption value varies depending on route and availability.
- Not ideal for people who want premium travel perks.
- Gift card and merchandise redemptions offer weaker point value.
Customer reviews
Positive feedback
“I love that I earn 1.5× on groceries and gas — points stack up fast from weekly spending.”
“The free checked bag benefit saves my family money every trip. Very helpful perk.”
Critiques
“Wish it had lounge access — would make long flights much nicer.”
“Good earn rates, but for big spend I pair it with another travel card.”
Community insights
Among Canadian travel-reward users, the TD Aeroplan Visa Infinite Card is seen as a reliable, balanced card. It’s often used as a primary Aeroplan earner thanks to its strong everyday categories, while travellers seeking premium perks pair it with higher-end cards. Its straightforward structure and flexible rewards make it a favourite for families and occasional travellers who want value without complication.
AI review (straight talk)
The TD Aeroplan Visa Infinite Card is a practical, high-value travel card that works well even if you don’t travel constantly. Boosted earn on everyday categories makes it easy to accumulate points, and the free checked bag perk is genuinely useful — especially if you often fly with Air Canada.
It’s not a luxury card — no lounge access or elite-tier perks — but for the price, it delivers a strong mix of rewards, value and protection. Most Canadians will find it easy to get solid utility out of the card with minimal effort.
Alternatives & comparison
| Card | Annual Fee | Top Earn / Bonus | Other Earn | Key Perks | Best For |
|---|---|---|---|---|---|
| TD Aeroplan Visa Infinite Card | $139 | 1.5× on gas/grocery/EV/Air Canada, up to 45,000 bonus pts | 1× | Free checked bag, solid travel insurance, flexible Aeroplan redemption | Frequent Air Canada flyers & everyday spenders |
| TD Aeroplan Visa Infinite Privilege* | Higher fee | Higher earn on Air Canada & travel | Higher base earn | Lounge access, luxury hotel perks, premium travel insurance | High-spend travellers |
| Other Travel Rewards Cards | Varies | Different bonus categories | Varies | Different airline and travel perks | Travellers not loyal to Air Canada |
| Cash-back Cards | Often $0–$120 | Flat cash-back rates | Flat | No travel restrictions, simple rewards | Everyday spenders, non-travellers |
FAQ
What is the annual fee?
$139.
What is the welcome bonus?
Up to 45,000 Aeroplan points under the current promotional structure.
How does the card earn points?
You earn 1.5 points per dollar on gas, groceries, EV charging and Air Canada purchases, and 1 point per dollar on all other eligible spend.
Does it include travel insurance?
Yes — including medical, trip interruption, trip cancellation, baggage protection and car rental coverage.
Who should get this card?
Travellers who fly with Air Canada and want flexible points, free checked baggage and strong earn rates on everyday categories.
Final verdict & ratings
Our take The TD Aeroplan Visa Infinite Card strikes an excellent balance between everyday value and travel perks. Its boosted earn, practical benefits and flexible redemption make it one of the strongest mid-tier travel cards in Canada. It’s ideal for Air Canada flyers and everyday spenders who want reliable rewards without premium-card pricing.
| Overall | ★★★★☆ 4.3 / 5 |
|---|---|
| Rewards value | 4.2 / 5 |
| Benefits & protections | 4.1 / 5 |
| Fees & costs | 4.0 / 5 |
| Ease of approval | 4.0 / 5 |
