TD Aeroplan Visa Infinite Review (2023): Get up to $1,500
The TD Aeroplan visa infinite card is one of Canada’s best Visa and credit card options, with a competitive rewards structure and excellent additional benefits. Until March 28, 2023, TD offers up to 55,000 Aeroplan points as a welcome bonus (worth up to $1,500), making now the best time to consider this credit card.
About the TD Aeroplan visa infinite card
The TD Aeroplan visa infinite card is ranked as one of Canada’s best Aeroplan credit cards, giving Canadians more opportunities and ways to earn Aeroplan points. This card earns aeroplan points on everyday purchases & higher rewards in specific categories that can be redeemed for travel. Here is what you need to know at a glance:
Annual fee: $139 (1st-year annual fee rebate available)
Welcome bonus points: 55,000 Aeroplan points – worth $1,500 (until May 28, 2023)
Aeroplan rewards rates: 1.5 Aeroplan points earned on eligible purchases, including Gas, grocery & Air Canada purchases. One point on all other purchases
Purchase APR: 20.99% annually
Cash advances: 22.99% annually
Rewards & Aeroplan Points Breakdown
The TD Aeroplan Visa Infinite earns your Aeroplan points for everyday purchases, with higher rewards in specific categories. The current rewards rate current structure per $1 spent earns you the following tips in these categories:
Gas purchases: 1.5 Aeroplan points
Grocery purchases: 1.5 aeroplan points
Air Canada purchases (including Air Canada Vacations Packages): 1.5 Aeroplan points
All other purchases: 1 Aeroplan point
Additionally, you can earn points twice when you pay with your TD Aeroplan visa infinite card and include your Aeroplan number at over 300 Aeroplan-partnered brands & partnered online retailers from the Aeroplan eStore. Here is a breakdown of the best-featured retailers at the Aeroplan eStore.
Best Buy – 1 pt/$1
Amazon.ca – 1 pt/$1
Apple – 1 pt/$1
Dyson – 3 pts/$1
The bay – 1 pt/$1
Indigo – 1 pt/$1
Dell – 1 pt/$1
Noom – 10 pts/$1
Sephora – 4 pts/$1
WeCook – 10 pts/$1
Dell – 4 pts/$1
Lululemon – 2 pts/$1
While this is a great way to earn points for travel, many credit cards offer higher cash-back rewards on several of these purchase categories. If you want straight cash-back rewards, visit my breakdown of the best credit cards in Canada. Overall, this is a fairly strong rewards credit card. I rank this a 4 out of 5 for rewards.
Air Canada rewards breakdown
The TD Aeroplan visa infinite card is excellent for Air Canada vacations, Air Canada Flights & in-flight Air Canada Purchases. From the Air Canada website, you can quickly redeem with Aira Canada for holidays, flights, hotels, car rentals, and more. You can use a combination of Aeroplan points and cash to buy Air Canada Vacations.
Since Air Canada reacquired the Aeroplan program, they are making it easy and better than ever to redeem Aeroplan points for Air Canada flights. Aeroplan points are worth different amounts in terms of dollars, depending on what you redeem them for:
As you can see from the graph above, the best bang for your buck means redeeming Aeroplan points for Air Canada Flights.
The TD Aeroplan visa infinite credit card has an annual fee of $139, and additional cardholders will cost $75 per cardholder. This annual fee is on the higher end; however, you can receive a yearly fee rebate for the first year if you activate your credit card and make your first purchase within three months of activating your account.
This card will charge you interest at 20.99% on purchases and 22.99% on cash advances. These rates are in line with most major credit cards and issuers. As always, best practice includes paying off your credit card balance in full to avoid interest charges and build your credit history.
Welcome bonus points
The TD Aeroplan visa infinite credit card has one of Canada’s best Welcome bonus offers. You can earn 55,000 Aeroplan points for signing up by May 28, 2023. It is important to note that specific qualifications exist to earn these Aeroplan points:
Earn 10,000 bonus Aeroplan points when you make your first purchase with your new card
Earn 30,000 bonus Aeroplan points when you spend $5,000 within 180 days of opening your account
Earn an anniversary bonus of 15,000 Aeroplan points by spending $7,500 within 12 months of account opening your Aeroplan member account
By completing these three welcome bonus offers, you can earn 55,000 Aeroplan points, with a value of up to $1,500. The $5k bonus Aeroplan points and $7.5k anniversary bonus points are harder to earn but help rack up the savings. Especially useful if you will be making these purchases anyways.
Ways to redeem points
Aeroplan rewards can be redeemed from Air Canada and the Aeroplan rewards eStore. This lets you make purchases to save for an Air Canada flight, Air Canada Vacation packages, & purchase items from great partnered retailers like Bestbuy, Amazon, Apple & Dyson.
As you can redeem Aeroplan points for more than just travel, this card has great versatility and is used for everyday purchases. Ensure you check the conversion of one point to its dollar equivalent to get the most out of your points.
Extra benefits and features
The TD Aeroplan visa infinite card has many excellent benefits and features to help make it one of the best credit cards available. There are too many to list, but I’ll cover the highlights below.
Air Canada travel benefits:
Travel through the airport and save on baggage fees. All cardholders and travel companions (up to 8) travelling on the same reservation enjoy free first-checked bags while flying on Air Canada flights.
Primary cardholders will reach Aeroplan Elite status faster by earning 1,000 status-qualifying miles and one status-qualifying segment for every $10k in purchases made on the account.
Exclusive benefits with TD Aeroplan visa infinite card
Complimentary Visa Infinite Concierge
Visa infinite wine Country Program
Visa infinite luxury hotel collection
Visa Infinite Entertainment Access
Visa Infinite dining series
Visa Infinite Troon Golf
All other Benefits
This credit card has many additional benefits you will eventually need to take advantage of. The benefits don’t stop there; you can also enjoy travel benefits (medical insurance, trip cancellation, flight & trip delay insurance) and security benefits. It’s always better to have these options and not need them.
What’s required to qualify?
Certain qualification restrictions are essential to know about. To qualify for this TD card, you need an annual personal income of $60,000 or a household income of $100,000. You must also be a Canadian resident and are the age of majority in your province or territory to qualify. Unfortunately, the TD Aeroplan visa infinite card is not available to residents of Quebec.
Pros & Cons of the TD Aeroplan Visa Infinite Card
Throughout this post, I have highlighted many of the pros and cons of this card. See below for a quick summary of the pros and cons.
Comparison to other top cards
While this card offers a good reward structure, there are many cards with better reward structures & similar extra features. The Tangerine MasterCard provides a flat rate of 2% cash-back on all purchases. The BMO cash-back World Elite MasterCard offers 1-5% cash-back rewards. Click here for a list of the best credit cards in Canada.
In this TD Aeroplan visa infinite card review, I have highlighted why this is one of the best Visa and credit cards available to Canadians. While it does not have the highest rewards structure available, it is still pretty good compared to many credit card options. Where this card shines is in the additional benefits and features.
A combination of credit cards can fit into a personal finance strategy that lowers your cost of living. I recommend using this credit card and another card with a higher rewards structure to maximize your cash-back and earning points to reduce your everyday expenses. Click here to learn more about all things personal finance.
About the Author
Nick Robert is the founder and creator of Nickrobert.com. I created this website to educate Canadians about everything related to personal finance. As a Chartered Professional Accountant & Chartered Accountant, I have worked with many Canadians to achieve their personal finance goals.
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