Elevate Your Travel: A review of the TD Aeroplan Visa Infinite Card

Is TD Aeroplan Visa Infinite Card worthy?

Everything about the TD Aeroplan Visa Infinite Card. This guide covers the income requirement, fee structures, and how to maximize your points.

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Elevate Your Travel: A 2026 Review of the TD Aeroplan Visa Infinite Card

For Canadians who view travel not just as a luxury but as a lifestyle, the TD Aeroplan Visa Infinite Card has long been the gold standard. In 2026, as Air Canada continues to expand its global reach, this card remains the most powerful tool for turning everyday expenses into “bucket-list” destinations. Whether you are commuting to work, buying groceries, or booking a direct flight to Tokyo, every dollar spent brings you closer to your next departure gate.

Here is a deep dive into the advantages, costs, and requirements of the card that consistently wins “Best Airline Credit Card” in Canada.

Core Advantages & Exclusive Travel Perks

The primary strength of the TD Aeroplan Visa Infinite is its seamless integration with the Aeroplan ecosystem, offering benefits that go far beyond simple point accumulation.

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  • The “First Bag Free” Benefit: This is often cited as the card’s most valuable feature. The primary cardholder, along with up to eight travel companions on the same reservation, receives their first checked bag free on any flight originating with Air Canada. For a family of four, a single round-trip can save over $240 in baggage fees, instantly offseting the annual fee.
  • NEXUS Rebate: To make the airport experience even smoother, you receive a NEXUS application fee rebate (up to $100 CAD) once every 48 months. This benefit also extends to additional cardholders, helping your whole family breeze through security and customs.
  • Aeroplan Family Sharing: You don’t have to chase rewards alone. With Family Sharing, up to eight members can combine their points into a single pot, making it much faster to redeem for high-value international flights.

It only gets better: as long as you remain a cardholder in good standing, your Aeroplan points never expire.

Point Earning Structure

The card is designed to reward the categories where Canadians spend the most, ensuring a steady flow of points into your account:

  • 1.5 Points per $1: Earned on eligible groceries, gas, electric vehicle (EV) charging, and any purchase made directly through Air Canada (including Air Canada Vacations).
  • 1 Point per $1: Earned on all other eligible purchases.
  • Double Dipping: You can “earn twice” by paying with your card and providing your Aeroplan number at over 150 partner brands (like Starbucks or LCBO) and 200+ retailers via the Aeroplan eStore.

Fees & Financial Details

While it is a premium card, its fee structure is competitive, especially when paired with TD’s banking ecosystem.

  • Annual Fee: $139. However, for new applicants in 2026, this fee is typically rebated for the first year.
  • The “Free Forever” Hack: If you have a TD All-Inclusive Banking Plan, the $139 annual fee is rebated every single year, effectively making this a “no-fee” premium travel card.
  • Additional Cardholders: $75 per year (also rebated for the first year under the current special offer).
  • Interest Rates: 21.99% on purchases and 22.99% on cash advances.

Eligibility & Requirements

To qualify for this Infinite-tier product, TD requires applicants to meet the following criteria:

  • Minimum Income: A personal annual income of $60,000 or a household income of $100,000. (If you fall below this, the TD Aeroplan Visa Platinum is the recommended alternative).
  • Credit Standing: Applicants should have a “Good to Excellent” credit score and a clean Canadian credit file.
  • You must be a Canadian resident.
  • You must have reached the age of majority in your specific province or territory (18 or 19 years old).

Get the Special Welcome Offer

Currently, new cardholders can unlock up to $1,450 in total value. This includes a welcome bonus of 10,000 points on your first purchase, an additional 15,000 points for spending $3,000 in the first 90 days, and a massive 20,000-point anniversary bonus for spending $12,000 in the first year. That’s a total of 45,000 Aeroplan points!

Final Verdict

If you fly with Air Canada even twice a year, the TD Aeroplan Visa Infinite Card is a mathematical “no-brainer.” Between the free checked bags, the NEXUS rebate, and the accelerated points on gas and groceries, the card pays for itself several times over. It is your permanent “fast-pass” to a better travel experience.

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