TD® Aeroplan® Visa Infinite* Card review
May 9, 2025
While we adhere to strict editorial guidelines, partners on this page may provide us earnings.
Overall rating
First year value
$486
Get this card if you:
- want to quickly rack up Aeroplan points
- need comprehensive travel insurance benefits
- value a great welcome offer
At a glance
The TD® Aeroplan® Visa Infinite* Card is a travel rewards credit card designed for frequent Air Canada travelers, offering elevated Aeroplan points on eligible gas, grocery, travel, and dining purchases. Cardholders benefit from perks such as a NEXUS application fee rebate†, a complimentary first checked bag for the primary cardholder and up to eight companions on Air Canada flights†, and access to select airport lounges†; however, the card carries an annual fee and requires a minimum personal or household income for eligibility.
Highlights
$486
First year value
up to 40,000 pts†
Welcome bonus
$139
Annual fee
Additional cardholder is $75† ; Get an annual fee rebate for the first year†
Interest Rates
21.99%
Purchase APR
22.99%
Balance transfer APR
22.99%
Cash advance APR
Eligibility
Excellent
Recommended credit score
$60,000
Required annual personal income
$100,000
Required annual household income
Quick card overview
Quick overview of the TD® Aeroplan® Visa Infinite* Card
The TD® Aeroplan® Visa Infinite* Card is a versatile credit card with various benefits and features. It offers perks and rewards, making it a great choice for maximizing credit card benefits. The Visa Infinite* version of the TD® Aeroplan® Card provides Aeroplan points on every purchase, exclusive travel benefits like priority boarding, and comprehensive travel insurance coverage.
Who's the card for?
✅ Who is the TD Aeroplan® Visa Infinite* Card for?
With its competitive earn rates and comprehensive travel insurance package, this card is perfect for individuals who enjoy collecting Aeroplan Points or frequently travel. If you fall into either of these categories, we highly recommend learning more about this card and seeing if it aligns with your needs and preferences.
Pros and cons
Pros and cons
Pros
- The card has a high earn rate for Aeroplan Points, generating 1.5 points† per $1 spent on eligible purchases.
- Insurance offered includes coverage in the categories that travellers need, and is generally better than its Aeroplan peers at a similar annual fee level.
Cons
- No airport lounge membership or free lounge access.
- Aeroplan points can’t be redeemed for flights outside the Star Alliance network, nor can they be redeemed for cash credit. This makes them less flexible than some competing travel rewards programs.
Welcome bonus
💰Current welcome bonus
While the $139 annual fee might raise eyebrows, the Aeroplan® Visa Infinite* from TD Bank more than recoups that cost with its impressive welcome bonus.
Here is how the welcome offer breakdown:
Up to $1,350 in value† including up to 40,000 Aeroplan points† could be yours. Plus, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†
Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening†
Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†
Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.
Plus, share free first checked bags with up to 8 travel companions†
Get an annual fee rebate for the first year†.
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
How to earn rewards
With the TD® Aeroplan® Visa Infinite* Card, you’ll earn Aeroplan points on everyday purchases you make with your card:
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®)
-
Earn 1 point† for every $1 spent on all other Purchases made with your Card
Beyond the basic earning categories with the card you can expect a few other nice surprises, including:
Earn double points: Earn points twice with Aeroplan partner brands and on the Aeroplan eStore.†
Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply. Learn more here.
Aeroplan points never expire as long as your account is open and in good standing. Redeeming points through Aeroplan is easy. You can do so directly through the aircanada.ca website or the AirCanada app. The whole process has been transformed offering you more transparency and simplicity when redeeming your Aeroplan points.
Insurance coverage
The TD® Aeroplan® Visa Infinite* Card provides many insurance benefits as a Visa Infinite product. This card offers a comprehensive travel insurance package, including some things not typically covered by other credit card insurance programs. Here are some things this card’s insurance covers:
| Insurance | Coverage |
|---|---|
| Travel Medical Emergency† | Up to $2,000,000 for the first 21 days (4 days for those over 65); Additional top-up coverage is available |
| Travel Accident† | Up to $500,000 |
| Trip Cancellation† | Up to $1,500 per person to a max. $5,000 |
| Trip Interruption† | Up to $5,000 per person with a max of $25,000 |
| Flight/Trip Delay† | Up to $500 (after 4 hours) |
| Delayed/Lost Baggage† | Up to $1,000 (after 6 hours) |
| Car Rental Insurance† | Up to $65,000 for up to 48 days |
| Hotel/Motel Burglary Insurance† | Up to $2,500 for items stolen from hotels/motels |
Cardholders have access to a toll-free number for any issues or emergencies when it comes to your travels.
Here are the other excellent travel and lifestyle benefits for frequent flyers that come with the TD® Aeroplan® Visa Infinite* Card:
- Free checked bag: This card’s perks extend even further to checking your bags when you get to your flight. You get your first checked bag free as well as up to 8 other travelers on the same reservation when your flight originates on an Air Canada flight.†
- NEXUS credits: Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†.. NEXUS provides pre-screened travelers with expedited processing at the U.S./Canadian border.
- Additional rental car savings: With your TD credit card, you can save 10% off at Avis and Budget locations in North America and at least 5% on locations elsewhere. The TD Aeroplan Visa car rental insurance coverage protects the car and other people's property from damage. Pay the full amount with your card and you can decline the additional insurance coverage at the counter. The car's retail price must be less than $65,000 new, and your rental period cannot exceed 48 consecutive days.
- Visa Infinite concierge access: 24/7 access to Visa Infinite Concierge can help with any Cardholder request, no matter what the size.
- Luxury Hotel Collection access: Exclusive access to bookings at more than over 900 of the finest properties in the world.
- Visa Infinite services: Enjoy access to wine experiences, exclusive golfing events, hard-to-get dinner reservations, and more through Visa Infinite.
- Mobile wallet compatibility: Use Apple Pay, Google Pay or Samsung Pay wherever contactless payments are accepted.
- Chip and pin technology for an added layer of security.
Rates and fees
Interest rates
The TD® Aeroplan® Visa Infinite* Card comes with some standard interest rates. You’ll pay 21.99% on standard purchases, 22.99% on balance transfers, as well as 22.99% on cash advances.
Fees
- Annual fee: $139
- Additional cardholder is $75† ; Get an annual fee rebate for the first year†
- Foreign transaction fee: 2.50%†
How it card compares
The TD Aeroplan Visa Infinite is ideal for Air Canada loyalists who want direct access to Aeroplan rewards and travel perks like lounge visits and strong insurance coverage. It offers solid earn rates on travel and everyday spending, but redemptions are limited to Aeroplan, and it requires a minimum income to qualify.
The American Express Gold Rewards Card is better for those who value flexibility. It offers strong earn rates across a wide range of categories and lets you transfer points to various travel partners, including Aeroplan. Your Amex Membership Rewards points can be transferred 1:1 to Aeroplan. And if you instead opt to keep the points you earn as Amex points they will still be more flexible than Aeroplan points, as you can redeem Amex points directly against a charge to your credit card. While it doesn’t include airline perks or lounge access, it’s more accessible and versatile for general travel rewards.
TD Disclosures:
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
†Terms and conditions apply.
Amex Disclosures:
Contact American Express for the most up-to-date referral bonus figures.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. Conditions apply. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.
up to 60,000 points
Welcome Bonus
$680
First Year Value
$80
Annual Value
Welcome Bonus: Earn up to 60,000 Membership Rewards® points*.
Get this card if you...
- are a frequent traveller who wants to earn flexible rewards
- want a great welcome bonus and rewards on everyday spending
- want great travel perks and comprehensive travel insurance
Annual Fee & Annual Interest Rates
$250
Annual Fee
21.99%
Purchase
21.99%
Cash Advance
Our Take
The American Express® Gold Rewards Card is a travel credit card that allows cardholders to earn points on everyday purchases, with accelerated rates for categories such as gas, groceries, and travel. These points can be flexibly redeemed for travel bookings, merchandise, or transferred to various airline and hotel loyalty programs, offering versatility for those seeking to maximize rewards on routine expenditures.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
- Generous welcome bonus of up to 60,000 Membership Rewards® points.
- Convertibility of Member Rewards® points to popular airline and hotel loyalty programs (e.g. Aeroplan, Marriott).
- Earn two points per dollar on travel, gas, grocery and drugstore purchases.
- $100 annual travel credit when booking through American Express® Travel online.
- Built-in travel medical insurance and trip coverage.
Cons
- $250 annual fee.
- 2.5% foreign transaction fee.
- Travel medical insurance only covers those under age 65.
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$250
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
2
Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
2
Earn 2 points for every $1 in Card purchases on eligible travel purchases, including flights, hotels, car rentals, and more
1
Earn 1 point for every $1 in Card purchases everywhere else
1
Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 60,000 Membership Rewards® points*
Our Take
The American Express® Gold Rewards Card is a travel credit card that allows cardholders to earn points on everyday purchases, with accelerated rates for categories such as gas, groceries, and travel. These points can be flexibly redeemed for travel bookings, merchandise, or transferred to various airline and hotel loyalty programs, offering versatility for those seeking to maximize rewards on routine expenditures.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
Pros
- Generous welcome bonus of up to 60,000 Membership Rewards® points.
- Convertibility of Member Rewards® points to popular airline and hotel loyalty programs (e.g. Aeroplan, Marriott).
- Earn two points per dollar on travel, gas, grocery and drugstore purchases.
- $100 annual travel credit when booking through American Express® Travel online.
- Built-in travel medical insurance and trip coverage.
Cons
- $250 annual fee.
- 2.5% foreign transaction fee.
- Travel medical insurance only covers those under age 65.
Annual Interest Rates
21.99%
Purchase
21.99%
Cash Advance
25.99% - 29.99%
Penalty
Fees
$250
Annual Fee
2.50%
Foreign Transaction
$2.75
Cash Advance
$29
Over The Limit Penalty
$45
Return Penalty
Rewards Membership Rewards
2
Earn 2 points for every $1 in Card purchases at eligible gas stations, grocery stores and drugstores in Canada
2
Earn 2 points for every $1 in Card purchases on eligible travel purchases, including flights, hotels, car rentals, and more
1
Earn 1 point for every $1 in Card purchases everywhere else
1
Earn 1 additional Membership Rewards point for every $1 you charge to your Gold Rewards Card on eligible hotel or car rental bookings made with American Express Travel
Insurance Benefits
$5,000,000
Emergency medical insurance amount
$500,000
Travel accident insurance amount
$500
Hotel burglary insurance
$85,000
Rental car insurance amount
Earn up to 60,000 Membership Rewards® points*
The TD Aeroplan Visa Infinite offers strong value for Air Canada flyers, with solid earn rates, a good welcome bonus, and added perks like a lounge pass and comprehensive travel insurance. It's widely accepted and integrates seamlessly with Aeroplan, making it a reliable choice for frequent travelers. The CIBC Aeroplan Visa Infinite is nearly identical in its core features but may have slight differences in promotions, such as first-year fee waivers or bonus structures. It also includes preferred Air Canada pricing and strong travel insurance. The choice between them often comes down to which bank you prefer or where you already have accounts.
CIBC Disclosures:
The information for the CIBC Aeroplan® Visa Infinite* Card has been collected independently by Money.ca. The card details on this page have not been reviewed or provided by the card issuer. †Terms and Conditions Apply. This offer is not available for residents of Quebec.
TD Disclosures:
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
up to 40,000 points
Welcome Bonus
$1,646
First Year Value
$546
Annual Value
Welcome Bonus: Join and get up to $1,100 in value in your first year!†
Get this card if you...
- frequently travel with Air Canada and collect Aeroplan points
- value comprehensive travel insurance
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The CIBC Aeroplan® Visa Infinite* Card is a travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan point accumulation on eligible gas, grocery and direct Air Canada purchases. Cardholders benefit from perks such as a free first checked bag on Air Canada flights, access to exclusive Visa Infinite offers, and comprehensive travel insurance.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Earn up to 40,000 bonus Aeroplan points in the first year
- Earn up to 1.5 Aeroplan points on purchases
- Free checked bags on Air Canada flights
- Special pricing on Aeroplan flight rewards
- Includes travel insurance
Cons
- High income requirement of either $60,000 personal or $100,000 household
- Rewards go furthest when redeeming for Air Canada flights, so that can limit your travel options
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$139
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1.5 pts
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 pt
for every $1 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Join and get up to $1,100 in value in your first year!†
Get a total of up to 40,000 Aeroplan points (up to $800 in travel value†):
10,000 Aeroplan points when you make your first purchase†.
10,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
20,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†.
Our Take
The CIBC Aeroplan® Visa Infinite* Card is a travel rewards credit card tailored for frequent Air Canada travelers, offering elevated Aeroplan point accumulation on eligible gas, grocery and direct Air Canada purchases. Cardholders benefit from perks such as a free first checked bag on Air Canada flights, access to exclusive Visa Infinite offers, and comprehensive travel insurance.
Eligibility
Very Good (671 - 739)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Earn up to 40,000 bonus Aeroplan points in the first year
- Earn up to 1.5 Aeroplan points on purchases
- Free checked bags on Air Canada flights
- Special pricing on Aeroplan flight rewards
- Includes travel insurance
Cons
- High income requirement of either $60,000 personal or $100,000 household
- Rewards go furthest when redeeming for Air Canada flights, so that can limit your travel options
Annual Interest Rates
20.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
25.99%
Penalty
Fees
$139
Annual Fee
2.50%
Foreign Transaction
5.00%
Balance Transfer
$5
Cash Advance
$29
Over The Limit Penalty
$42.5
Return Penalty
Rewards Aeroplan
1.5 pts
for every $1 you spend on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 pt
for every $1 you spend on all other purchases.
2x
Earn points twice at over 150 Aeroplan partners and more than 170 online retailers through the Aeroplan eStore.
Insurance Benefits
$1,000
Mobile device insurance amount
$5,000,000
Emergency medical insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Join and get up to $1,100 in value in your first year!†
Get a total of up to 40,000 Aeroplan points (up to $800 in travel value†):
10,000 Aeroplan points when you make your first purchase†.
10,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods†.
20,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods†.
Enjoy a free first checked bag: a $140 value for 2 travellers for each round-trip flight, assuming you take one round-trip Air Canada flight in the first year†.
Plus, get a one-time annual fee rebate ($139) for you (the primary cardholder) and up to three authorized users ($50 each): up to $189 value†.
The TD First Class Travel® Visa Infinite Card* offers flexible travel rewards that can be used with any airline, though you’ll get the best value when booking through Expedia for TD. Both TD Rewards and Aeroplan points don’t expire, and the two cards share similar insurance coverage, annual fees, and loyalty perks. Since both are competitive, the real question is which points provide better value. While the TD Aeroplan Visa Infinite Card generally offers a higher overall rewards return, especially when used within the Aeroplan ecosystem, the TD First Class Travel® card may appeal more to those who prefer broader travel flexibility.
TD Disclosures:
To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
up to 165,000 pts†
Welcome Bonus
$618
First Year Value
$0
Annual Value
Welcome Bonus: Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.
Get this card if you...
- are a frequent traveler and prefer Expedia for bookings
- want comprehensive travel insurance to ensure peace of mind
- value a great welcome offer
Annual Fee & Annual Interest Rates
$139
Annual Fee
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD†, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit†, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Major combined value for the welcome bonus (up to $1,400 in value)†
- Good base earn rate on all purchases
- Huge earn rate when you book travel through Expedia® For TD†
- Very flexible redemption options
- $100 TD Travel Credit†
- Visa Infinite Benefits
- Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
Cons
- Charges foreign transaction fees
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through Expedia® For TD†.
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10k Bonus Points
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
$100
An annual TD Travel Credit† of $100 when you book at Expedia® For TD†.
4
Enjoy your 4 complimentary visits by enrolling now for the Visa Airport Companion Program†.
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Our Take
The TD First Class Travel® Visa Infinite* Card is a travel rewards credit card offering elevated TD Rewards Points on purchases made through Expedia® For TD†, as well as on groceries and dining. Cardholders benefit from a substantial welcome bonus, an annual $100 TD Travel Credit†, and access to Visa Infinite privileges, including concierge services and exclusive experiences.
Eligibility
Good (620 - 670)
Recommended Credit Score
$60,000
Required Annual Personal Income
$100,000
Required Annual Household Income
Pros
- Major combined value for the welcome bonus (up to $1,400 in value)†
- Good base earn rate on all purchases
- Huge earn rate when you book travel through Expedia® For TD†
- Very flexible redemption options
- $100 TD Travel Credit†
- Visa Infinite Benefits
- Great savings on annual fees for accountholders of TD’s All-Inclusive Banking Plan
Cons
- Charges foreign transaction fees
Annual Interest Rates
21.99%
Purchase
22.99%
Cash Advance
22.99%
Balance Transfer
Fees
$139
Annual Fee
2.50%
Foreign Transaction
Rewards TD Rewards
8 Points
Earn 8 TD Rewards Points† for every $1 you spend through Expedia® For TD†.
6 Points
Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†.
4 Points
Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†.
2 Points
Earn 2 TD Rewards points for every $1 you spend using your card.†
10k Bonus Points
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
$100
An annual TD Travel Credit† of $100 when you book at Expedia® For TD†.
4
Enjoy your 4 complimentary visits by enrolling now for the Visa Airport Companion Program†.
Insurance Benefits
$1,000
Mobile device insurance amount
$500,000
Travel accident insurance amount
$2,500
Hotel burglary insurance
$65,000
Rental car insurance amount
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
Get an Annual Fee Rebate for the first year†.
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†.
To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
†Terms and conditions apply.
This offer is not available for residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
Is it worth it?
Is TD Visa Infinite worth it?
In my opinion, the card’s best features are the travel insurance program and high earn rate. Rewards are valued higher when redeemed for Air Canada flights and lounges but if you can make your travel plans align, it can be worth it.
This card is a great option for eligible, frequent travellers who can take advantage of the high earn categories and practical travel perks. Its sign up bonus gives the card immediate value, while the earn rates and included travel insurance maintain the card’s value even as you pay an annual fee.
Eligibility requirements
TD® Aeroplan® Visa Infinite* credit card eligibility requirements
In order to be eligible for this card you have to be a Canadian resident at the age of majority of their province or territory. You’ll also have to have a minimum personal income of $60,000 or household income of $100,000 and a credit score in the good to excellent range.
†Terms and conditions apply.
This offer is not available to residents of Quebec.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button. Sponsored Content.
FAQs
TD Aeroplan Visa Infinite FAQs
Barry Choi
Contributor
Barry Choi is a Toronto-based personal finance and travel expert who makes frequent media appearances. When he's not educating people on how to be smarter with money, he's earning and burning miles and points for luxury travel.
Tyler Wade
Personal finance content strategist & writer
Tyler Wade has worked in personal finance for over 5 years writing for brands like Ratehub, Forbes, KOHO, and now Money.ca.
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How Canadians really get financial advice
Federal research highlights gaps in who gets financial guidance and where they turn for it
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