TD Aeroplan Visa Infinite

Overview

The TD Aeroplan Visa Infinite Card is TD Bank's mid-tier personal Aeroplan card — one of the most widely held travel cards in Canada. It earns Aeroplan points directly at 1.5x on groceries, gas, EV charging, and Air Canada purchases, and 1x on everything else. The $139 CAD annual fee sits at standard Visa Infinite territory, and you'll need at least $60,000 CAD in personal income or $100,000 CAD in household income to qualify. Points accumulate in your Aeroplan account and never expire as long as the account stays open and in good standing.

Who this card is for

This card is built for Canadians who fly Air Canada at least a few times a year and want their grocery and gas spending to contribute to the same Aeroplan balance they're building through flights. The income requirement narrows the applicant pool slightly, but for anyone earning above the threshold, it offers a meaningful combination of travel perks and accelerated earn on genuinely high-spend categories. If you have a partner or family flying together, the free bag benefit on shared bookings is where this card starts earning back its fee quickly.

Key benefits

The first free checked bag for the primary cardholder and up to eight companions on the same Air Canada booking is the single most tangible perk. On a round-trip flight with one companion, you're already saving roughly $120 CAD in bag fees — nearly covering the annual fee outright. NEXUS membership fee rebate (up to $100 CAD once every 48 months) extends the value further for frequent cross-border travellers.

Spend $2,000 CAD per month on groceries and gas at the 1.5x rate and you're earning 36,000 Aeroplan points annually from those categories alone. The 1.5x accelerated rate is subject to an $80,000 CAD combined annual spend cap across the bonus categories — above that, those purchases drop to 1x (a cap generous enough that very few cardholders will ever hit it). The welcome bonus is structured with an initial points award on first purchase plus a larger tranche when you meet a spending threshold — the combined value is typically among the stronger personal travel card offers. Aeroplan Family Sharing allows up to eight household members to pool points.

Potential drawbacks

The 1x rate on everything outside the bonus categories is ordinary. If grocery, gas, and Air Canada spending don't represent your biggest spend categories, the earn rate advantage shrinks. Visa Infinite income requirements also cut out lower-income earners who might otherwise get strong value. The card earns Aeroplan directly — there's no conversion step — which is efficient, but it also means you're locked into the Aeroplan ecosystem with no flexibility to redirect points to hotel programs.

How it compares

The American Express Aeroplan card carries a $120 CAD annual fee and earns 1.5x on groceries and dining with preferred Aeroplan pricing on redemptions. It's slightly cheaper but lacks the free bag benefit and NEXUS rebate. The TD Aeroplan Visa Infinite Privilege steps up to 2x on Air Canada and unlimited Maple Leaf Lounge access at $599 CAD — a significant jump in cost for frequent Air Canada travellers.

Bottom line

For Canadians who fly Air Canada regularly and spend heavily on groceries and gas, the TD Aeroplan Visa Infinite is an efficient all-in-one card. The free checked bag alone often covers the annual fee in the first trip, and the direct Aeroplan earning keeps the programme frictionless.