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TD Aeroplan Visa Infinite Review 2023

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TD Aeroplan Visa Infinite

TD Aeroplan Visa Infinite

Rated 3.3/5 stars.

Rewards
  • 1.5pts Collect 1.5 points for every $1 you spend on gas, groceries, and Air Canada purchases.
  • 1pt Collect 1 point per $1 spent on all other purchases.

The TD Aeroplan Visa Infinite, in partnership with Air Canada, offers its customers the opportunity to earn Aeroplan points that they can redeem for flights, hotels, and more. It’s well-known around the Canadian travel circuit for being one of the best travel credit cards in the country.

In this TD Aeroplan Visa Infinite card review, we’ll take a look at rewards, fees, perks, and more, so you can decide if this card is right for you.

TD Aeroplan Visa Infinite: an overview

The TD Aeroplan Visa Infinite is a travel rewards credit card that allows you to earn Aeroplan points on all your purchases and then redeem them for Air Canada travel expenses, or at the Aeroplan store. This card is geared toward those who take Air Canada flights frequently and/or are Aeroplan members.

TD Aeroplan Visa Infinite rewards

The TD Aeroplan program is one of the most robust travel rewards programs in Canada. The premise is simple: cardholders earn points for every dollar they spend. The number of points per dollar depends on the following categories: 

  • 1.5 points for every $1 spent on gas, groceries, and Air Canada flights and vacation packages
  • 1 point for every other purchase
  • Earn points twice with any purchases made on the Aeroplan ePlan or with partner retailers when you present both your Aeroplan Visa and Aeroplan card

Cardholders have the choice of redeeming their points for flights with Air Canada (or any other Star Alliance partner). Accommodation rentals, car rentals, travel experiences, gift cards, and select retail merchandise are also eligible for point redemption.

Redeeming points is easy to do through the online Aeroplan booking portal or the Aeroplan ePlan online store.

TD Aeroplan Visa Infinite eligibility

To qualify for the TD Aeroplan Visa Infinite card, you must:

  • Earn a minimum of $60,000 individually, or $100,00 as a household
  • Be the age of majority in your province or territory
  • Be a Canadian resident

The TD Aeroplan Visa Infinite also requires a credit score in the good to excellent range. This is usually around 660 and above.

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TD Aeroplan Visa Infinite Limited Time Offer

Apply by January 3, 2024, and earn up to 50,000 Aeroplan points (value of $1,400). Conditions apply.

TD Aeroplan interest rates and fees

Fees

  • Annual fee: $139 (primary cardholder); $75 (additional cardholders). The annual fee is rebated if you also have a TD All-Inclusive Banking Plan account.
  • Foreign transaction fee: 2.5%
  • Extra card fee: $0
  • Cash advance fee: 1% of any cash advance transaction (domestic); if less than $3.50, you’ll be charged that fee as a minimum, up to a maximum of $10. Otherwise, $5 (international)
  • Balance transfer fee: 3%

Interest rates

  • Purchases: 20.99%
  • Cash advances: 22.99%

TD Aeroplan Visa Infinite perks 

As a TD Aeroplan Visa Infinite cardholder, you’ll get access to some great travel and insurance perks — particularly if you fly Air Canada.

 

  • Save on baggage fees

    All Aeroplan Visa Infinite cardholders (and their travel companions) get one standard checked bag for free, provided their flight journey originates on an Air Canada flight. 

  • Insurance

    This card includes medical insurance, trip interruption, delay, and cancellation insurance, lost/delayed baggage insurance, travel accident insurance, burglary insurance, auto rental insurance, and emergency travel assistance services. 

    Aeroplan Visa Infinite cardholders can also count on up to $1,000 of device coverage for their mobile phones in the event that it’s broken, stolen, or lost. 

  • Nexus fee reimbursement

    Nexus is a North American Trusted Traveller Program that frees up wait times at customs and airport security lines. While there’s usually a nominal fee to apply for the Nexus program, Aeroplan Visa Infinite waives this fee for its members. 

  • Rental car deals

    Cardholders get up to 10% off of car rentals at Avis and Budget in Canada and the United States and up to 5% off of Avis and Budget rentals worldwide.

  • An enhanced travel experience

    Get access to a 24/7 concierge, the Visa Infinite collection of Luxury Hotels, Visa-exclusive gourmet dining events, and specialized wine tours in Ontario, B.C., and California. And enjoy curated entertainment events, including the Toronto International Film Festival.

  • Earn Aeroplan Elite status 

    Primary Aeroplan Visa Infinite cardholders become eligible for 1,000 miles and 1 Status Qualifying Segment (SQS) for every $10,000 they spend. After 25,000 miles or 25 SQS, you’re eligible for Aeroplan Elite Status, which includes benefits like Maple Leaf Lounge Access, private customer support lines, and flight updates. 

Compare TD Aeroplan Visa Infinite alternatives

Our Pick
TD Aeroplan Visa Infinite

TD Aeroplan Visa Infinite

  • Welcome Offer Up to 50,000 Aeroplan points.
  • Annual Rewards $276
  • Annual Fee $139 (waived with a TD All-Inclusive Banking Plan)
  • Minimum Income Required $60,000 personal; $100,000 household
American Express® Aeroplan®* Card

American Express® Aeroplan®* Card

  • Welcome Offer Up to 50,000 Welcome Bonus Aeroplan®* points
  • Annual Fee $120
  • Interest Rates Charge card
  • Recommended Credit 760 +
CIBC Aeroplan® Visa Infinite* Card

CIBC Aeroplan® Visa Infinite* Card

  • Welcome Offer Up to 50,000 Aeroplan points
  • Annual Fee $139
  • Interest Rates Purchases: 20.99% Cash Advances: 22.99%
  • Annual Fee 760 - 900

Our final thoughts

Based on our TD Aeroplan Visa Infinite review, you can see that the card comes with a decent earn rate, and unique travel perks. This card is best suited for frequent Air Canada flyers and Aeroplan members who can meet either the personal or household income threshold.

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