The TD Aeroplan Visa Infinite is the best Aeroplan card for Canadians who need Visa acceptance everywhere. While the Amex Cobalt earns points faster on food (5x vs 1.5x), the TD Aeroplan’s Visa network means it works at every merchant in Canada — including Costco, small businesses, and the roughly 10–15% of merchants that don’t accept Amex. The welcome bonus (typically 20,000–40,000 Aeroplan points) is worth $300–$600 in flights, which can offset the $139 annual fee for the first year or two. For Air Canada loyalists who fly regularly, the included priority boarding and free checked bag add practical value beyond the points.
Card at a Glance
| Feature | Details |
|---|---|
| Card name | TD Aeroplan Visa Infinite |
| Annual fee | $139 |
| Minimum income | $60,000 personal / $100,000 household |
| Network | Visa Infinite |
| Rewards program | Aeroplan |
| Welcome bonus | Typically 20,000-40,000 Aeroplan points (confirm current offer at td.com) |
| Insurance | Trip cancellation, car rental, travel medical |
Card terms confirmed as of August 2026. The annual fee and income requirements are set by TD and rarely change, but should be verified on TD’s credit cards page before applying. The welcome bonus is promotional and changes often — always confirm the current offer directly with TD.
Earning Rates
| Category | Points per $1 |
|---|---|
| Air Canada purchases | 1.5x |
| Groceries | 1.5x |
| Gas | 1.5x |
| Everything else | 1x |
Earning Scenario
At $1,800/month in total spending with $600 on groceries and $200 on gas (both at 1.5x), you’ll earn about 26,400 Aeroplan points per year. Valued at 1.5–2.5¢ per point depending on how you redeem them, that’s $396–$660 in annual value — a net of $257–$521 after the fee. The best redemptions are for premium cabin flights (business or first class on Star Alliance partners), where Aeroplan points are worth 2.5¢+ each. Economy flight redemptions are solid at 1.5¢/point. Avoid non-flight redemptions (merch, gift cards) which drop the value below 1¢.
| Monthly Spend | Category | Annual Points |
|---|---|---|
| $600 groceries | 1.5x | 10,800 |
| $200 gas | 1.5x | 3,600 |
| $1,000 other | 1x | 12,000 |
| Total | 26,400/year |
Value: ~$396-660/year (at 1.5-2.5¢/point). After $139 fee: $257-521 net.
TD Aeroplan VI vs Alternatives
| Feature | TD Aeroplan VI | Amex Cobalt | Amex Aeroplan Reserve |
|---|---|---|---|
| Annual fee | $139 | $191.88 | $599 |
| Grocery rate | 1.5x Aeroplan | 5x MR (transfers to Aeroplan) | 3x Aeroplan |
| General rate | 1x | 1x | 1.25x |
| Network | Visa | Amex | Amex |
| Lounge access | ❌ | ❌ | ✅ Maple Leaf Lounges |
| Best for | Visa + Aeroplan | Food-focused earning | Premium travel |
Who Should Get This Card
| Profile | Recommendation |
|---|---|
| Aeroplan collector who needs Visa | ✅ Best Visa Aeroplan card |
| Frequent Air Canada flyer | ✅ Priority boarding included |
| Want highest earn rate | ⚠️ Amex Cobalt earns more on food |
| Premium traveller wanting lounges | ⚠️ Amex Aeroplan Reserve better |
The Bottom Line
The TD Aeroplan Visa Infinite is the top pick for Aeroplan collectors who want a Visa card that works everywhere. The Amex Cobalt earns more on food but requires a backup card for Amex-excluded merchants. If you fly Air Canada 2+ times per year, the Aeroplan points, priority boarding, and welcome bonus make this card a strong net-positive investment. For cash-back simplicity instead, the Scotiabank Momentum earns more on everyday spending.
Frequently asked questions
Is the TD Aeroplan Visa Infinite worth the $139 annual fee? For frequent Air Canada travellers, yes — the welcome bonus alone (typically 20,000–40,000 Aeroplan points, worth ~$400–$800 in flights) justifies the first year fee. Ongoing benefits — including first checked bag free (saves $30–$34/flight per person), Aeroplan preferred pricing, and Priority security access at Air Canada Maple Leaf Lounges — provide continuing value for Air Canada loyalists.
What is the income requirement for the TD Aeroplan Visa Infinite? TD requires a minimum personal income of $60,000 or household income of $100,000 to qualify for the TD Aeroplan Visa Infinite. The higher-tier TD Aeroplan Visa Infinite Privilege requires $150,000 personal income.
How many Aeroplan points do you earn with the TD Aeroplan Visa Infinite? Earn rates: 1.5 points per $1 on grocery, gas, and Air Canada direct purchases; 1 point per $1 everywhere else. Additional miles are earned through the Aeroplan program itself when flying Air Canada. The card’’s earn rate is below the TD Aeroplan VI Privilege (2 pts/$1 at gas/grocery) but the annual fee is substantially lower.
TD Aeroplan Visa Infinite earn rates and benefits
| Category | Earn rate |
|---|---|
| Air Canada direct purchases | 1.5 pts/$1 |
| Eligible grocery purchases | 1.5 pts/$1 |
| Gas stations | 1.5 pts/$1 |
| All other purchases | 1 pt/$1 |
Key card benefits:
- First checked bag free on Air Canada (primary cardholder + up to 8 companions)
- Aeroplan preferred pricing (lower point requirements on some redemptions)
- TD Travel Medical Insurance (up to $2M, 21 days per trip)
- Trip cancellation/interruption coverage
- Delayed/lost baggage coverage
- Extended warranty and purchase protection
- Nexus application fee rebate (every 4.5 years)
Aeroplan base earn: In addition to card earn, you earn Aeroplan miles when flying Air Canada by scanning your Aeroplan number — separate from credit card earn.