TD® Aeroplan® Visa Infinite* Card

Flytrippers opinion: A good Aeroplan card with many Air Canada benefits.
Flytrippers Valuation
of Welcome bonus (net value)
ends June 3rd

via TD secure application link
≈ $ 622

Rewards: ≈ $761

Card annual fee: $139

Card eligibility
min. income: $60k
OR $100k household

Welcome bonus eligibility
must not have opened this card
in the past 12 months
OR a same-level Aeroplan card ever
Aeroplan points (more lucrative)
Bonus: 50k pts
Earn on min. spend: 10k pts (total: 60k pts)

• ≈ $900 to ≈ $6000+
for specific flights
• ≈ $660 for any flight
on Air Canada
How to unlock bonus
spend $10000 in 12 months
(or $6000 for lower bonus)

Interest rates:
Purchases: 20.99%
Cash advances: 22.99%
Cash advances (QC): 20.99%
Terms and conditions apply.
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Summary of Flytrippers' review

WHY GET THIS CARD

  • The excellent welcome bonus worth ≈ $622
  • The partial welcome bonus option available with a lower minimum spend
  • The extremely valuable Aeroplan points that offer outsized value
  • The Air Canada travel benefits like free checked bags
  • The $100 NEXUS credit
  • The excellent insurance coverage

WHO SHOULD GET THIS CARD

  • Those who want valuable points that can provide outsized value
  • Those who want very valuable Aeroplan points
  • Those who want many travel benefits (especially on Air Canada)
  • Those who want excellent insurance coverage

Card details

Special Offer
Earn up to $1,200 in value†, including up to 50,000 Aeroplan points† (enough for a round trip to New York City†) 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 card† 
  • Earn 20,000 Aeroplan points when you spend $6,000 within 180 days of Account opening†
  • Plus, earn a one-time anniversary bonus of 20,000 Aeroplan points when you spend $10,000 within 12 months of Account opening† 
  • Earn Aeroplan Points on your everyday purchases
  • Travel with confidence with Travel Medical Insurance†
  • Earn 1.5 points† for every $1 spent on eligible gas, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your card
  • Earn 1 point† for every $1 spent on all other Purchases made with your Card
  • Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 170+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
  • Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
  • Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
  • Travel lightly through the airport and save on baggage fees† : Primary Cardholders, Additional Cardholders, and travel companions (up to eight) travelling on the same reservation will all enjoy their first checked bag free (up to 23kg/50lbs) when your travel originates on an Air Canada flight. 
  • Complimentary Visa Infinite Concierge† : On-call 24 hours a day, seven days a week, the Visa Infinite Concierge can help with any Cardholder request — big or small, to help you get the most out of life whenever you travel, shop and use your Card. 
  • Visa Infinite Luxury Hotel Collection†: Receive seven exclusive benefits when you book your stay through the Visa Infinite Luxury Hotel Collection featuring over 900 of the world’s most intriguing properties.
  • Travel Medical Insurance†: Up to $2 million of coverage for the first 21 days. If you or your spouse is aged 65 or older, you are covered for the first 4 days of your trip. Additional top-up coverage is available.
  • Trip Cancellation/Trip Interruption Insurance†: For Trip Cancellation coverage of up to $1,500 per insured person, with a maximum of $5,000 for all insured persons, and for Trip Interruption coverage of up to $5,000 per insured person, with a maximum of $25,000 for all insured persons on the same covered trip.
  • Flight/Trip Delay Insurance†: Up to $500 in coverage per insured person if your flight/trip is delayed for over 4 hours.
  • Delayed and Lost Baggage Insurance†: Up to $1,000 overall coverage per insured person toward the purchase of essentials such as clothes and toiletries if your baggage is delayed more than 6 hours or lost.
  • Common Carrier Travel Accident Insurance†: Up to $500,000 of coverage for covered losses while travelling on a common carrier (for example, a bus, ferry, plane, train or auto rental).
  • Hotel/Motel Burglary Insurance†: Up to $2,500 of coverage per occurrence for eligible personal items stolen from your hotel or motel room that belong to the Cardholder on the Account and eligible family members travelling with the Cardholder.
  • Auto Rental Collision / Loss Damage Insurance†: Coverage for up to 48 consecutive days.
  • Emergency Travel Assistance Services†: Help is just a call away. Toll-free access to help in the event of a personal emergency while travelling.
  • Save time at the border with NEXUS – Enroll for a NEXUS and once every 48 months get an application fee rebate (up to $100 CAD). Additional Cardholders can also take advantage of this NEXUS rebate.

Terms and conditions apply.

Welcome bonus structure (3 separate bonuses)
(SPECIAL OFFER — ends June 3, 2024)

10,000 Aeroplan points Bonus after making 1 purchase (no minimum amount)
20,000 Aeroplan points Bonus after spending $6,000 (in a maximum of 180 days)
20,000 Aeroplan points One-time anniversary bonus when you spend $10,000 within 12 months of Account opening†

50,000 Aeroplan points Total with the 3 parts of the bonus

Earn on the minimum spending requirement

6,000 Aeroplan points Minimum earn on the minimum spending requirement of $6,000 (at base earn rate of 1 pt/$)
4,000 Aeroplan points Minimum earn on the minimum spending requirement of $4,000 more (at base earn rate of 1 pt/$)

Total rewards by unlocking the welcome bonus

60,000 Aeroplan points Welcome bonus + earn on the minimum spending requirement to unlock it

Apply for the TD® Aeroplan® Visa Infinite* Card

Value of the welcome bonus offer
(at our Flytrippers Valuation of ≈ 1.5¢/pt)

≈ $150 Bonus after 1st purchase (10,000 pts)
≈ $300 Bonus after min. spend (20,000 pts)
≈ $90 Earn on min. spend (6,000 pts)
≈ $300 Anniversary bonus (20,000 pts)
≈ $60 Earn on additional min. spend (4,000 pts)
–$139 Card fee Year 1 (deducted from Valuation)
–$139 Card fee Year 2 (deducted from Valuation)

≈ $622 Total net value by unlocking the welcome bonus alone

Learn more about our Flytrippers Valuation of welcome bonuses

Effective return rate

≈ 6.22% Return on the minimum spending requirement (≈ $622 on $10,000 in 12 months)

‣Learn more about effective return rates (coming soon)

Rewards acquisition summary

≈ $900 Rewards you get for $278

Apply for the TD® Aeroplan® Visa Infinite* Card

Rewards from welcome bonus

You will have 60,000 Aeroplan points after unlocking the welcome bonus.

That gives you:

  • ≈ $900 in rewards at the Flytrippers Valuation

Concrete examples of redemptions

Here are some of the actual redemptions you can get with these rewards:

10 one-way short-distance reward flights such as Toronto-New York or Montreal-Washington

6 one-way medium-distance reward flights such as Toronto-Miami, Montreal-Nashville, or Vancouver-Las Vegas

4 one-way longer distance reward flights such as Toronto-Costa Rica or Montreal-Mexico

1 one-way business class reward flights such as Vancouver-Japan or Montreal-Switzerland

8 one-way short-distance reward flights in several regions of the world

≈ $660 discount on Air Canada flights without having to be flexible or having to choose specific flights

Learn more about the best uses of Aeroplan points

Redemptions
Aeroplan points can be used for specific flights to maximize their value (on partner airlines) or for any seat on any flight to have more flexibility (on Air Canada). 

‣Learn more about the Aeroplan rewards program (coming soon)

Pricing
Aeroplan points are variable-value rewards (the value depends on how you use them; our Flytrippers Valuation is ≈ 1.5¢).

‣Learn more about Aeroplan points (coming soon)

Expiry
Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.

‣Learn more about Aeroplan points expiry (coming soon)

Pooling
Aeroplan points can be pooled into a shared account if you have travel companions.

‣Learn more about pooling Aeroplan points (coming soon)

Other redemption options
Aeroplan points can be used for rewards other than flights, but this should be avoided.

‣Learn more about why you should always use your rewards for travel (coming soon)

Rewards program logistics
Aeroplan points can be used directly on the Air Canada website or app.

‣Learn more about how to get started with Aeroplan rewards (coming soon)

Rewards program summary
Rewards: Air Canada Aeroplan points
Source: Airline rewards
Type: More valuable

‣Learn more about rewards programs basics (coming soon)

Earn rates

1.5 points per $ (≈ 2.25%):

1 point per $ (≈ 1.5%):

  • All other eligible purchases

Earning with additional cards

Fee for additional cards: $75
Quantity allowed: N/A
Minimum age: N/A

‣Learn more about additional cards (coming soon)

$100 NEXUS credit
A credit will appear if you charge a NEXUS fee to your card — and you should really have NEXUS if you don’t already.

‣Learn more about the TD NEXUS credit (coming soon)

Preferred pricing for Aeroplan flights on Air Canada
Cardmembers get slightly lower prices when redeeming Aeroplan points for reward flights on Air Canada (not partner airlines).

‣Learn more about Aeroplan preferred pricing (coming soon)

Free checked bag on Air Canada
Cardmembers get the 1st checked bag free on Air Canada flights (as do up to 8 travel buddies on the same booking).

‣Learn more about the free bag benefit (coming soon)

Aeroplan Elite Status shortcut
Earn 1,000 SQMs and 1 SQS for every $10,000 charged to your card.

‣Learn more about the Aeroplan elite status shortcut benefit (coming soon)

Access to the TD Lounge at Toronto Union Station
Not as nice as airport lounges, but this lounge provides free coffee and a few snacks.

‣Learn more about the TD Lounge at Union Station (coming soon)

Visa Infinite Hotel Collection
You get exclusive perks at some expensive luxury hotels.

‣Learn more about the Visa Infinite Hotel Collection (coming soon)

Visa Infinite Dining and Wine Country program
You get access to exclusive expensive gourmet experiences.

‣Learn more about the Visa Infinite Dining and Wine Country program (coming soon)

Visa Infinite Entertainment Access
You get exclusive access to tickets to curated events across Canada throughout the year, including the Toronto International Film Festival.

‣Learn more about the Visa Infinite Entertainment Access program (coming soon)

Complimentary Visa Infinite Concierge
You get the Visa Infinite Concierge on-call 24 hours a day, seven days a week, to help with any request — big or small.

‣Learn more about the Visa Infinite Concierge program (coming soon)

Insurance included

Medical travel insurance for 21 days (64 years and under)
Medical travel insurance for 4 days (65 years and above)
Flight delay insurance ($500, 4hr minimum)
Trip cancelation insurance
Trip interruption insurance
Travel accident insurance
Delayed and lost baggage insurance
Rental car insurance
Hotel burglary insurance
Purchase protection coverage
Extended warranty coverage
Mobile device insurance

‣Learn more about the insurance coverage included with the TD® Aeroplan® Visa Infinite* Card (coming soon)

‣Learn more about the different types of insurance coverage (coming soon)

Card eligibility
Minimum income: $60,000 (personal) OR $100,000 (household)
Age: Majority in your province
Estimated credit score: Good or Excellent
Credit bureau: Equifax Canada

Learn more about credit card eligibility requirements (coming soon)

Welcome bonus eligibility
You must not have opened this specific card in the past 12 months AND you must not have obtained a welcome bonus on another Aeroplan card of the same level

Learn more about credit card welcome bonus eligibility rules (coming soon)

Offer end date
Account must be approved by June 3, 2024

Subscribe to Flytrippers’ free travel rewards newsletter to get all card updates

Card details
Issuer: TD Bank Canada
Network: Visa
Card type: Credit card
Product type: Personal card

‣Learn more about credit card types basics (coming soon)

Fees and rates
Card fee: $139/year
Fee for additional card: $75/year
Foreign transaction fee: 2.5%
Purchases annual interest rate: 20.99%
Funds advance annual interest rate: 22.99% (20.99% for Québec residents)
Balance transfer fee: 3%

‣Learn more about what Flytrippers recommends regarding fees and rates (coming soon)

Start earning rewards today

And make sure to download our free checklist for when you get a new card—it includes very important mistakes to avoid
(it will open in a separate tab, or you can click here)

via TD secure application

*Beta version of card page. Sign up to get updated guide soon.*

Terms & conditions — Travel rewards

Terms and conditions apply.

This content is not sponsored. However, this page may contain some affiliate links that allow Flytrippers to earn a commission at absolutely no cost to you. Thank you for using our links and helping us keep all our content free for everyone. This helps us fulfill our mission of helping Canadians travel more for less.

The views and opinions expressed on this page are purely our own. They have not been provided, approved, endorsed, or ratified by any third party mentioned on the site.

Financial institutions are not responsible for updating or ensuring the accuracy of the information on Flytrippers’ website. All the information was independently collected by Flytrippers and not provided by financial institutions.

All offers described on the Flytrippers website are subject to the financial institutions’ latest terms and conditions, which can be found on their official website. No efforts are spared to ensure this page is up to date but offers from financial institutions change quickly. It is your responsibility to ensure the accuracy of these offers on their website. Flytrippers will not accept any responsibility for the accuracy of the offers or the result of your actions.

Flytrippers’ website does not contain all available credit card offers or all available credit card products on the market. In addition, Flytrippers never shares an offer if it is not considered advantageous for some travelers, at its sole discretion.

No author on Flytrippers’ website is a financial advisor, a financial planner, a legal professional, or a tax professional. No author on Flytrippers’ website can in any way be considered as such.

All articles, pages, and content on Flytrippers’ website are merely personal opinions of a general nature and are for informational purposes only and should not be considered advice for specific situations. It is your responsibility to perform your own personal research to ensure that travel rewards are appropriate for your own situation.

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