The TD Aeroplan Visa Infinite is a strong choice among the Aeroplan credit cards 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. TD’s welcome offer for this card has been tiered, with Aeroplan points on your first purchase, more after a spending threshold and an anniversary tier, sometimes with a first-year annual fee rebate. Welcome offers change frequently, so check the current terms at td.com before applying. For Air Canada loyalists who fly regularly, the included free first checked bag adds practical value beyond the points – note that priority boarding is a benefit of the higher-tier TD Aeroplan Visa Infinite Privilege, not this base card. The other Aeroplan cards are reviewed on our credit card reviews hub.
| Fact | Details |
|---|---|
| Card | TD Aeroplan Visa Infinite Card |
| Issuer | TD |
| Annual Fee | $139/year |
| Additional Card Fee | $75/year |
| Income Requirement | $60,000 personal or $100,000 household |
| Base Earn Rate | 1.5x gas/EV charging/groceries/direct Air Canada purchases (first $80,000/yr), 1x everything else |
| Purchase Interest Rate | 21.99% |
| Cash Advance Interest Rate | 22.99% |
Stable card facts (fee, income requirement, base earn rate, and any confirmed interest/FX rates) current as of 2026-10-03. Welcome/sign-up bonuses change frequently and are not included here — confirm the current offer on the issuer’s site before applying.
It’s a Visa Infinite card that earns Aeroplan points. Included insurance: trip cancellation, car rental, travel medical. Welcome offer: tiered Aeroplan points released in stages, which has included a first-year annual fee rebate; check the current offer at td.com.
Earning Rates
| Category | Points per $1 |
|---|---|
| Air Canada purchases | 1.5x (up to $80,000/year combined with gas/EV charging/groceries) |
| Groceries | 1.5x (up to $80,000/year combined) |
| Gas, EV charging | 1.5x (up to $80,000/year combined) |
| 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) | 1.25x Aeroplan (no grocery bonus category; 3x applies only to direct Air Canada/AC Vacations purchases) |
| General rate | 1x | 1x | 1.25x |
| Network | Visa | Amex | Amex |
| Lounge access | 1 Maple Leaf Lounge guest pass/year (only when redeeming an Aeroplan flight reward on Air Canada/Rouge/Express) | ❌ | ✅ Unlimited 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 | ✅ Free first checked bag included (priority boarding is Privilege-tier only) |
| 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, free checked bag, 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, often yes. Any welcome offer adds to the first year (check the current one at td.com). Ongoing benefits, including first checked bag free (saves $30–$34/flight per person) and Aeroplan preferred pricing: provide continuing value for Air Canada loyalists. Note this base card does NOT include unlimited Maple Leaf Lounge access or priority boarding – both are reserved for the higher-tier TD Aeroplan Visa Infinite Privilege. It does include one Air Canada Maple Leaf Lounge one-time guest access pass per calendar year, but only when redeeming an Aeroplan flight reward on Air Canada, Air Canada Rouge, or Air Canada Express.
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 higher-tier TD Aeroplan VI Privilege earns 2 pts/$1 on direct Air Canada purchases specifically (gas/grocery/travel/dining stay at 1.5 pts/$1, the same as this base card), but the annual fee is substantially higher ($599 vs $139).
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)
- 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 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.
Related Resources
Sources
The figures and rules on this page come from these sources, last checked against them on October 3, 2026. How we check facts.