TD Aeroplan Visa Infinite Card Review Canada 2026

Last Updated: September 18, 2026

Who Is the TD Aeroplan Visa Infinite Card Best For?

This card is the natural starting point for TD customers who want to begin collecting Aeroplan points without paying an annual fee in the first year. If your family already banks with TD, keeping your credit card under the same roof makes life simpler at tax time and when you’re tracking your monthly budget in one app. It suits families who fly Air Canada at least occasionally and want free checked bags and a modest Aeroplan-earning boost on the gas and grocery spending they’re doing anyway.

It’s a particularly good fit for a family that hasn’t collected Aeroplan points before and wants to try the program out before committing to a bigger annual fee. Because the first year is free, you get a full twelve months to see whether Aeroplan redemptions actually fit how your family travels before deciding whether to keep paying for the card in year two.

Welcome Bonus — Is It Worth It?

Up to 50,000 Aeroplan points arrives in three stages: 10,000 points on your first purchase, 15,000 points after $3,000 in spend within 90 days, and a 25,000-point anniversary bonus after $12,000 in spend across the first year. That structure rewards patience — the biggest chunk only lands once you’ve used the card as your everyday driver for close to a full year, so this bonus is best suited to families planning to keep the card long-term rather than those chasing a quick one-time payout.

Fifty thousand Aeroplan points is enough for a round-trip economy flight within North America for one adult, or a meaningful down payment toward a bigger family redemption. Combined with the waived first-year fee, you’re earning that value at effectively zero cost for year one, which is hard to beat as an entry point into the Aeroplan program.

Earning Points: The Day-to-Day Reality

You’ll earn 1.5 Aeroplan points per dollar on gas, EV charging, groceries, and direct Air Canada purchases, and 1 point per dollar on everything else. That’s a solid, if not spectacular, everyday rate — it rewards the categories most families spend the most in without requiring you to think about where you’re swiping. The addition of EV charging to the bonus categories is a useful, family-relevant update as more households make the switch to electric vehicles.

Where this card is honest about its limits: outside gas, groceries, and Air Canada, you’re earning the base 1 point per dollar, same as a card with no annual fee at all. If your family’s spending is spread across daycare, utilities, and home improvement stores, you won’t see the accelerated rate kick in very often. This card earns its keep specifically through the categories it’s built around.

The Fees: Breaking Down the Real Cost

The $139 annual fee is waived entirely in year one, along with the fee for your first additional cardholder — so your family can add a second card to the account at no extra cost while you’re trying the program out. From year two onward, the free checked bag perk alone (worth roughly $30 to $35 per person, per direction) can offset most or all of the fee for a family that takes even one round-trip Air Canada flight a year. The one fee to watch is the 2.5% foreign transaction charge, which applies to any purchase made in a currency other than Canadian dollars — worth keeping in mind if your family shops online from U.S. retailers or travels stateside.

The Perks Canadian Families Actually Use

The free first checked bag for the cardholder and up to eight companions on the same Air Canada reservation is the standout perk here, and it’s genuinely useful for any family that checks bags when they fly. The $100 NEXUS application fee rebate (available every 48 months) is another practical one if your family crosses the border by land or air with any regularity — NEXUS makes those trips noticeably smoother, and getting the fee reimbursed removes the main reason families put off applying.

The card also earns Status Qualifying Credits toward Aeroplan Elite Status — 1,000 SQC per $20,000 in spend, capped at 25,000 SQC per year — which is a nice bonus for a family working steadily toward elite perks over time, even if it’s a slow climb at this earn rate. There’s no lounge access, no priority boarding, and no eUpgrade credits on this tier; those perks are reserved for the Visa Infinite Privilege card above it.

The Honest Downsides

This card is close to a mirror image of the CIBC Aeroplan Visa Infinite — same annual fee, same general bonus structure, same free-bag perk. If you already bank with CIBC, there’s little reason to switch just to get this card; pick whichever bank you already do business with. The 2.5% foreign transaction fee is a real, recurring cost if your family shops or travels outside Canada with any frequency, and the base 1-point-per-dollar rate outside bonus categories is unremarkable compared to cards built specifically for everyday spending.

Ms Miles Family Hack

💡 Use the waived first year to test-drive Aeroplan redemptions before committing — book one flight with your points in year one and you’ll know exactly whether this program fits your family’s travel style before the fee kicks in.

A lot of families sign up for a points card and let the balance sit untouched for years, never quite getting around to booking anything. The waived first-year fee here is a built-in trial period — use it deliberately. Book a real flight with your Aeroplan points before your first renewal date, even a shorter domestic trip, so you actually experience how the redemption process works. That hands-on experience will tell you far more about whether to keep the card long-term than any review, including this one.

Ms Miles Verdict

For a TD customer just getting started with Aeroplan, this card is a low-risk way in. The free first year, the free checked bags, and the NEXUS rebate combine to deliver real value before you’ve paid a cent in fees, and 50,000 welcome points is a strong enough bonus to make the effort worthwhile. It’s a sensible, uncomplicated choice for a family that wants to dip a toe into the Aeroplan ecosystem.

Just know going in that this isn’t the card that will unlock lounge access or a big companion pass — for that, you’d look at the Visa Infinite Privilege tier above it. And if you’re not already a TD customer, the nearly-identical CIBC Aeroplan Visa Infinite means your choice really comes down to which bank you’d rather deal with. This is not my top pick overall, but as a fee-free entry point into Aeroplan for a TD family, it does exactly what it promises.

Frequently Asked Questions

Is the TD Aeroplan Visa Infinite Card worth it in Canada?

The TD Aeroplan Visa Infinite Card is worth it for families starting out with Aeroplan, since the $139 annual fee is waived in the first year. With up to 50,000 welcome bonus points and free checked bags, it can pay for itself quickly for anyone flying Air Canada.

Is the TD Aeroplan Visa Infinite fee really waived the first year?

Yes, under the current offer TD waives the $139 annual fee for the primary cardholder and the first additional cardholder for the first year. The regular annual fee applies starting in year two.

How does the TD Aeroplan Visa Infinite compare to the Privilege version?

The base Visa Infinite card has a lower annual fee and no first-year waiver on the Privilege tier’s premium perks, such as unlimited Maple Leaf Lounge access, a Companion Pass, and a bigger welcome bonus. The Privilege card also has a much higher income requirement.

What is the minimum income needed for the TD Aeroplan Visa Infinite Card?

You need a personal income of at least $60,000 or a household income of at least $100,000 to qualify for the TD Aeroplan Visa Infinite Card.