Your guide to secure and master the TD Aeroplan Visa Infinite card.

The TD Aeroplan Visa Infinite Card has expanded benefits and a streamlined digital interface, getting this card into your wallet is the first step toward significant travel savings. However, a premium card requires a precise application strategy to ensure approval and to maximize the lucrative welcome offers.

This guide provides a comprehensive step-by-step walkthrough of the application process and answers the most critical questions for prospective cardholders in 2026.

Step-by-Step: The Path to Your First Free Flight

Applying for the TD Aeroplan Visa Infinite is a digital-first experience designed to take less than 15 minutes. Here is how to navigate the process effectively:

Step 1: The “Infinite” Qualification Check

Before clicking “Apply,” ensure you meet the high-bar criteria for this specific tier. In 2026, the requirements remain firm:

• Income: A minimum personal annual income of $60,000 or a household income of $100,000.
• Credit Health: A recommended credit score of 660+ (though 700+ is ideal for instant approval).
• Status: You must be a permanent Canadian resident and of the age of majority in your province.

Step 2: Documentation Readiness

To avoid the session timing out, have these details ready:

• Identification: Your Social Insurance Number (SIN) is the fastest way for TD to verify your identity and credit history.
• Financials: Accurate gross annual income and employment details (Employer name, job title, and years of service).
• Aeroplan Number: If you are already a member, have your number ready to link your accounts immediately. If not, TD will create one for you during the process.

Step 3: The Digital Application

Navigate to the TD Canada Trust website.

1. Select the “Secure Apply Now” button. If you are an existing TD customer, log in through EasyWeb.
2. Consent to the Credit Pull: Understand that this is a “hard” inquiry on your credit report.
3. Review the Welcome Offer: Ensure the offer for up to 45,000 points and the first-year fee rebate is active on your screen before submitting.

Step 4: Approval and Delivery

Most applicants receive a decision within 60 seconds. If approved, your physical card will arrive via Canada Post (usually Xpresspost) within 5 to 7 business days. If your status is “Pending,” TD may request a follow-up call or a visit to a branch to verify income via pay stubs or a T4.

Step 5: The “First 90 Days” Strategy

Once the card arrives, activate it through the TD app and immediately add it to your mobile wallet. To secure the full bonus, you must:

1. Make your first purchase (unlocks 10,000 points).
2. Spend $3,000 within the first 90 days (unlocks 15,000 points).
3. Plan for an annual spend of $12,000 to trigger the 20,000-point anniversary bonus.

FAQ: Everything you need to know in 2026

1. How do I get the $139 annual fee waived every year?

The most effective “hack” for this card is opening a TD All-Inclusive Banking Plan. As long as you maintain the required balance in that account, the $139 annual fee for the primary cardholder is rebated every single year, making this a permanent “no-fee” premium card.

2. Does the “Free First Checked Bag” work for everyone in my group?

Yes. As long as the travel originates on an Air Canada flight, the primary cardholder and up to eight companions traveling on the same reservation get their first bag free (up to 23kg). This can save a large group over $500 on a single round-trip.

3. Can I “double dip” on points at the grocery store?

Absolutely. When you shop at an Aeroplan partner like Starbucks or LCBO, or use the Aeroplan eStore for online shopping, you earn points for the purchase on your card (1.5x or 1x) plus the points from the retailer by showing your Aeroplan membership.

4. What happened to the NEXUS benefit in 2026?

The benefit remains strong. You receive an application fee rebate of up to $100 CAD every 48 months. Interestingly, this also applies to additional cardholders, allowing your partner or child to get their NEXUS fee rebated as well.

5. Are EV Charging and Electric bills included in the 1.5x rate?

Yes. In line with 2026 sustainability trends, TD has categorized Electric Vehicle (EV) charging at the same 1.5x earn rate as traditional gas stations, alongside groceries and Air Canada purchases.

6. Do my Aeroplan points still expire?

Not as long as you hold this card. The TD Aeroplan Visa Infinite acts as a “freeze” on your points expiration. As long as your account is in good standing, your points will remain active regardless of how often you fly.

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