TD Aeroplan Visa Infinite Review

TD Aeroplan Visa Infinite Review 2022

Female using TD Aeroplan Visa Infinite to pay using smart phone

The TD Aeroplan Visa Infinite is well-known around the Canadian travel circuit for being one of the best travel cards in the country, but should you believe the hype? Let’s investigate. 

First, a brief intro: the TD Aeroplan Visa Infinite, in partnership with Air Canada, offers its customers the opportunity to earn points (called “Aeroplan points”) that they can redeem for flights, hotels, and more.

Ready to learn more? Ensure that your seatbelt is securely fastened, your bag is pushed under the eat in front of you, and your tray table is up—this TD Aeroplan Visa Infinite card review is cleared for takeoff. 

Table of Contents

TD Aeroplan Visa Infinite Features

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. 

An enhanced travel experience

Cardholders have access to a 24/7 concierge, the Visa Infinite collection of Luxury Hotels, Visa-exclusive gourmet dining events, and specialized wine tours in Ontario, BC, and California. 

Cardholders also get access to curated entertainment events including the Toronto International Film Festival. For those more athletically inclined, the card comes with special status and savings at over 95 golf courses. 


The card has other benefits that ensure its travelers are taken care of. This 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. 

How Does the Aeroplan Rewards Program Work? 

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.

Other Perks 

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 that they spend. After 25,000 miles or 25 SQS, the cardholder is eligible for Aeroplan Elite Status. Benefits of Aeroplan Elite Status offers include Maple Leaf Lounge Access, private customer support lines, and flight updates. 

Nexus card reimbursement

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

Mobile device insurance 

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

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. 


To qualify for an Aeroplan Visa Infinite card, applicants must make a minimum of $60,000 individually or $100,00 as a household. They must also be the age of majority and a Canadian resident. 

Fees and Interest

The Aeroplan Visa Infinite carries a standard APR of 19.99% on regular purchases and 22.99% on cash advances. Primary cardholders are subject to a yearly fee of $139 ($75 for additional cardholders). In some cases, the annual fee for the first year will be waived. 

TD Aeroplan Visa Infinite Card Pros & Cons

Pros: The Good Stuff

Logo No blackout periods for flight redemptions

Logo Comprehensive trip and flight insurance

Logo Easy point redemption system

Logo Extra perks like Nexus reimbursement

Logo Extra point redemption at participating retailers

Cons: The Not So Good Stuff

Logo No airport lounge access

Logo Flight redemption limited to Star Alliance members

Is the TD Aeroplan Visa Infinite Card right for me?

It’s no wonder that the TD Aeroplan Visa Infinite is travel card royalty. From excellent travel and trip cancellation insurance to a fair point redemption system, this is a well-rounded travel card that’s well-suited for both the sporadic and frequent traveler. If you find yourself staying in hotels and flying on airplanes at least a few times a year, then the TD Aeroplan Visa Infinite is well worth it. In fact, it’s worth it for the trip cancellation and interruption insurance alone—especially with the steady increase in flight delays.

Frequently Asked Questions

The TD Aeroplan Visa Infinite requires a credit score in the “good” to “excellent” range. This is usually around 660 and above. In addition to this credit score requirement, applicants also need to make $60,000 a year as an individual or $100,000 as a household. Cardholders who don’t qualify for this card qualify for the TD Aeroplan Visa Platinum. There is a $5,000 minimum limit for all cardholders.

No, the TD Aeroplan Visa Infinite doesn’t come with lounge access. This is one of the card’s main shortcomings when compared with its competitors. However, depending on spending habits, some cardholders may be eligible for Aeroplan Elite status which comes with Maple Leaf lounge access at participating airports. The TD card does come with 24/7 concierge services as well as special access to Visa-specific entertainment and athletic events which might make up for the lack of lounge access for some customers.

There’s plenty of debate online over the monetary worth of an Aeroplan point—the worth of an individual Aeroplan point would likely only be a matter of cents. It’s easier to judge an Aeroplan point’s worth by its redemption value. 1,000 Aeroplan points won’t get you very far on an airplane, but 5,000 will get you on a short-haul flight of 500 miles or less. Most gift card redemptions start at around 3,500 points for a $25 gift card.

About the Author

Related Reviews