Overview
The TD Aeroplan Visa Infinite Card is Canada's most popular Aeroplan credit card — and arguably the best mid-tier airline card in the country. It's the card that consistently sweeps industry awards: Best Airline Credit Card (Milesopedia 2025), Top Overall Travel Rewards Credit Card (Rewards Canada readers 2024), and Best Overall Aeroplan Card (RATESDOTCA 2025).
The current welcome offer delivers up to $1,350 in total value, including up to 40,000 Aeroplan points across a tiered bonus structure and a first-year annual fee rebate. Beyond the signup bonus, the card's core strengths are its 1.5x earning on groceries, gas, and Air Canada, free checked bags for up to 9 travellers, and the fact that every Air Canada seat is bookable with points — no blackouts, no restrictions.
Earning Aeroplan Points
The card offers accelerated earning on high-frequency spending categories:
- 1.5 Aeroplan points per $1 on gas, EV charging, grocery, and direct Air Canada purchases (including Air Canada Vacations)
- 1 Aeroplan point per $1 on all other purchases
The grocery and gas bonus categories align perfectly with everyday Canadian spending. On $2,000/month in combined spending (with typical grocery and gas allocation), you'd earn approximately 21,000+ Aeroplan points per year on top of any welcome bonus.
Earn Points Twice
A unique advantage of Aeroplan credit cards: you can earn points twice at over 150 Aeroplan partner brands and 200+ online retailers via the Aeroplan eStore. Show your Aeroplan number when you pay with your TD card and you'll earn both the card points and the partner points — effectively double-dipping on every transaction.
Points Never Expire
Your Aeroplan points never expire as long as you remain a TD Aeroplan Visa Infinite primary cardholder in good standing. No activity requirements, no expiry clocks — your balance stays intact indefinitely.
What Are Aeroplan Points Worth?
Aeroplan points have variable value depending on how you redeem them:
| Redemption Method | Value per Point | Notes |
|---|---|---|
| Fixed-point flight charts | 1.5–3.0¢+ | Best value, especially in premium cabins |
| Market fare flights | ~1.0–1.5¢ | Dynamic pricing based on cash fare |
| Upgrades | 1.5–2.5¢ | Bid or instant upgrades on Air Canada |
| Hotels, car rentals | ~1.0¢ | Through the Aeroplan travel portal |
| Merchandise, gift cards | ~0.5–0.8¢ | Poorest value — avoid if possible |
The fixed-point flight charts offer the best redemption value, especially for Business and First Class on Star Alliance carriers. A single long-haul Business Class flight can yield 3¢+ per point in value.
Aeroplan Family Sharing
Up to 8 family members can pool their Aeroplan points together through Aeroplan Family Sharing. This is a powerful feature for families where multiple members earn Aeroplan points across different cards — combine balances to reach award thresholds faster.
Welcome Bonus Breakdown
The card's welcome offer is structured in three tiers:
| Tier | Requirement | Bonus |
|---|---|---|
| 1st purchase | Make any purchase with your new card | 10,000 Aeroplan points |
| $7,500 spend | Spend $7,500 within 180 days of account opening | 15,000 Aeroplan points |
| $12,000 spend | Spend $12,000 within 12 months of account opening | 15,000 Aeroplan points (anniversary bonus) |
| Total | 40,000 Aeroplan points |
Plus, the first-year annual fee is waived (you must activate your card and make a purchase within 3 months of account opening). Combined with the points bonus, that's up to $1,350 in total first-year value.
Free Checked Bags
One of the card's most practical benefits: free first checked bag (up to 23kg/50lb) for the primary cardholder, all additional cardholders, and up to 8 travel companions on the same reservation — when travel originates on an Air Canada flight.
At Air Canada's standard checked bag fee of $35–$75 per flight, this benefit alone can save a family hundreds of dollars per year. All additional cardholders must link their Aeroplan number to receive this benefit.
NEXUS Application Fee Rebate
Apply for the NEXUS trusted traveller program and receive an application fee rebate of up to $100 CAD once every 48 months. Additional cardholders can also take advantage of this rebate. NEXUS gives you expedited border crossing and security screening at Canadian and U.S. airports — a genuine time-saver for frequent cross-border travellers.
Insurance & Benefits
The Visa Infinite tier comes with a solid insurance package:
- Travel emergency medical insurance — Coverage for medical emergencies while travelling
- Trip cancellation & interruption insurance — Reimbursement for pre-paid, non-refundable travel costs
- Flight delay & baggage insurance — Coverage for delays, lost, or damaged baggage
- Car rental collision/loss damage waiver — Decline the rental company's coverage
- Purchase protection & extended warranty — Protection on eligible purchases
- Mobile device insurance — Coverage for your smartphone against damage and theft
Partner Perks
- Starbucks — Link your card to earn 50% more Stars at participating Starbucks stores
- Aeroplan eStore — Earn bonus points at 200+ online retailers
- TD Offers — Exclusive perks and offers from TD and participating merchants
Drawbacks to Consider
Foreign Transaction Fee (2.5%)
Like most Canadian credit cards, this card charges a 2.5% foreign transaction fee on non-CAD purchases. For international travel, pair it with a no-FX-fee card for purchases abroad.
No Airport Lounge Access
The TD Aeroplan Visa Infinite does not include airport lounge access. If lounges are important, consider the TD Aeroplan Visa Infinite Privilege ($599/year), which adds Maple Leaf Lounge access and Priority Pass.
Bonus Requires Significant Spend
Unlocking the full 40,000 point welcome bonus requires $12,000 in spending within 12 months — roughly $1,000/month. While achievable for most households putting regular spending on the card, it's a higher bar than some competing cards.
Every Seat, Every Flight, No Restrictions
Unlike legacy award programs with limited availability, Aeroplan has moved to a model where every Air Canada seat available for cash is also available for points. There are no blackout periods and no seat restrictions. This is a massive advantage — you'll never be shut out of the flight you want.
Beyond Air Canada, Aeroplan points can be used to book flights on 40+ Star Alliance partner airlines including Lufthansa, ANA, Singapore Airlines, United, and many more.
Who Is This Card Best For?
This card is an excellent choice if you:
- Fly Air Canada regularly or want access to the Star Alliance network
- Spend significantly on groceries and gas and want 1.5x points on those categories
- Value free checked bags for yourself and your travel group
- Want a card with a first-year fee waiver to try risk-free
- Prefer points that never expire and the flexibility of Aeroplan Family Sharing
- Want to earn points twice at Aeroplan partner brands
It's not the best choice if you:
- Spend frequently in foreign currencies and need to avoid FX fees
- Want airport lounge access bundled with your card
- Prefer a non-airline-specific flexible points program
- Can't meet the $12,000 spend threshold to unlock the full welcome bonus
Bottom Line
The TD Aeroplan Visa Infinite Card has earned its reputation as Canada's best mid-tier airline credit card. With up to 40,000 Aeroplan points on signup, a first-year fee waiver, 1.5x earning on groceries, gas, and Air Canada, free checked bags for up to 9 travellers, and access to every seat on every Air Canada flight with no blackouts, it delivers exceptional value at $139/year.
The combination of the Aeroplan program's unmatched airline partnerships (40+ Star Alliance carriers), Family Sharing, and the card's everyday earning power makes it the obvious choice for Canadian travellers who fly Air Canada or its partners. Pair it with a no-FX-fee card for international purchases and you've got a best-in-class travel wallet.
