TD Canada TrustTD Aeroplan Visa Infinite

4959 7600 7489 7247

VALID THRU 02/31MORGAN LEE

A person in a blue suit walking with luggage past airport carts — Photo: Yanhao Fang / Unsplash

Travel Rewards · Canada

TD Aeroplan Visa Infinite Card

4.5 / 5 editorial rating

Best for: Air Canada flyers who'll redeem Aeroplan and use travel perks

Reviewed by the CreditCardCompare editorial team · Fees and rates checked September 2026 — confirm on the issuer's site before you apply

Annual feeC$139/yr

IssuerTD Canada Trust

NetworkVisa

Purchase APR20.99% on purchases, 22.99%…

Foreign transaction fee2.5% on foreign currency pur…

Credit neededGood to excellent credit

Pros

High Aeroplan earn rate across everyday categories
The free first checked bag is worth real money to flyers
Thorough travel insurance bundle

Cons

A yearly fee applies
2.5% fee on foreign transactions
A minimum income is needed to qualify

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Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.

Our take on the TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite is the best choice for someone who flies Air Canada a few times a year with a partner or family, because the free first checked bag for you and up to eight companions on the same reservation can be worth more than the $139 fee on a single trip. As of September 2026 TD pays 1.5 Aeroplan points per dollar on gas, EV charging, groceries and direct Air Canada purchases, and 1 point elsewhere.

The earn rate itself is modest. Even at a conservative 1.5 cents per point, 1.5x on groceries works out to 2.25%, only a little ahead of a good cash back card, and 1x on other spending is 1.5%. The card's value lies in the bag benefit, which applies when your travel begins on an Air Canada flight, and in points that can be redeemed for Air Canada flights.

So the break-even is about trips rather than spending. A family checking bags on one round trip can recover the fee, while someone who rarely flies Air Canada is paying $139 to earn roughly 2% in points. TD's welcome offer currently includes a first-year fee rebate, so the first year is a low-risk test.

Good fit if

You fly Air Canada at least once or twice a year and check bags
You travel with family on the same booking, so the bag benefit covers everyone
You spend heavily on groceries and gas and want those purchases to earn Aeroplan points

Skip it if

You rarely fly, or you mostly fly WestJet or other carriers
Your personal income is under $60,000 and your household income under $100,000

Worked example

Assume $600 a month on groceries, $200 on gas, $100 a month on average in direct Air Canada purchases, and $900 on everything else. The 1.5x categories total $900 a month, or $10,800 a year, earning 16,200 points. The remaining $10,800 of spending adds 10,800 points at 1x. That is 27,000 Aeroplan points. At a conservative 1.5 cents per point, that is $405, or $266 after the $139 fee, before counting any checked bag savings.

How it stacks up

The CIBC Aventura Visa Infinite has the same $139 fee and similar 1.5x categories but earns flexible points with no free bag, so it suits travellers who don't fly Air Canada often. WestJet flyers should compare the WestJet RBC World Elite Mastercard, which also includes a free first checked bag plus an annual companion voucher once you spend $5,000 a year.

The TD Aeroplan Visa Infinite is a top pick for Canadians flying Air Canada, earning Aeroplan points with bonus rates on travel, groceries and gas plus airport benefits. The roughly CAD 139 fee (as of 2026) is justified if you redeem Aeroplan for flights and use perks like the first-checked-bag waiver, which alone can save a couple a fair bit per trip. If you rarely fly Air Canada, a no-fee cash-back Visa returns more usable value. The Visa Infinite tier also carries an income eligibility requirement. Confirm the fee, earn rates and qualifying rules on td.com.