TD Aeroplan Visa Infinite Card Review: Benefits, Fees & Worth It

The TD Aeroplan Visa Infinite charges $139 annually and earns 1.5 Aeroplan points per dollar on gas, groceries, and Air Canada purchases. For Air Canada frequent flyers who check bags and book directly, the card typically pays for itself within the first few months of moderate spending — but for occasional travelers, the same fee can feel like money leaving without a clear return.

Annual Fee: $139 · Welcome Bonus: Up to 45,000 points · Earn Rate: 1.5 points per $1 on gas, groceries, Air Canada · Purchase Interest: 21.99% · Additional Cardholder Fee: $75

The key specs table below shows the core details card applicants should know before applying.

Is a TD Aeroplan Infinite visa worth it?

The answer hinges on one question: how often do you actually fly Air Canada? This card rewards a specific travel pattern, and if yours doesn’t match, the $139 annual fee becomes harder to justify with each passing month.

Earning potential for Air Canada flyers

The card earns 1.5 Aeroplan points per dollar spent on three categories that most Canadians spend money on anyway: gas, groceries, and Air Canada purchases. For a household that spends $1,500 monthly on these categories combined, that’s roughly 27,000 points per year from spending alone — before factoring in Air Canada tickets, which can pile on points quickly for frequent travelers.

The welcome bonus of up to 45,000 points adds a meaningful head start. Using Aeroplan’s typical redemption value, 45,000 points can cover a short-haul Air Canada flight within Canada or offset partial costs on longer routes to the US, Caribbean, or Europe.

“For households spending $2,000 monthly on gas and groceries alone, the card generates roughly 36,000 points annually from those two categories — enough for at least one domestic round-trip flight on Air Canada.”

Cost vs rewards breakdown

Against the $139 annual fee, the math looks reasonable for moderate Air Canada users. The free first checked bag benefit alone saves $35 to $60 per round-trip for the primary cardholder when traveling on Air Canada. Do that twice a year and the bag savings nearly offset the annual fee.

Where the numbers get tighter: travelers who rarely check bags, don’t buy Air Canada tickets frequently, or live in markets where Air Canada isn’t the dominant carrier may find the rewards don’t accumulate fast enough to justify paying $139 year after year.

What are the benefits of the TD Aeroplan visa?

Beyond points, the card layers in travel protections and partner discounts that serious travelers actually use. Here’s what the official TD Canada Trust product page lists as included benefits.

Points earning rates

The table below summarizes the earn structure across spending categories.

Three categories earning at 1.5× is competitive for a mid-tier travel card. The TD First Class Travel Visa Infinite, by comparison, earns a flat 3 points per dollar on dining and travel, and 2 points on everything else — but it lacks the Air Canada-specific multipliers that make this card useful for Aeroplan collectors.

“TD First Class Travel Visa Infinite now offers four complimentary lounge passes annually, passes that work for the cardholder and accompanying guests without airline or seat class restrictions.” — FlyTrippers travel credit card analysis

Travel perks and insurance

The travel insurance package includes trip cancellation, trip interruption, emergency medical, and baggage insurance — protections that typically cost $50 to $150 per trip if purchased separately. For travelers booking refundable tickets, these insurances add less value, but for non-refundable bookings, the coverage can mean the difference between a recoverable trip and a total loss.

Supplementary cardholders cost $75 per year. If a partner or family member travels on the same Aeroplan account, adding them as supplementary users spreads the earn rate across more spending without requiring a separate account.

Do you get lounge access with TD Aeroplan Visa Infinite?

No. The TD Aeroplan Visa Infinite does not include complimentary lounge access. This is the most significant difference between it and the Privilege version, which provides unlimited Maple Leaf Lounge access across Canada and the United States (valued at approximately $550 per year by NerdWallet Canada credit card analysis).

Lounge access details

The Visa Infinite network does provide access to the Visa Airport Companion Program, but this is a separate enrollment and typically not automatic with the standard TD Aeroplan Visa Infinite. Cardholders interested in lounge access often need to check their specific eligibility or upgrade to the Privilege tier.

The TD First Class Travel Visa Infinite, by contrast, offers four complimentary lounge passes annually — passes that work for the cardholder and accompanying guests without airline or seat class restrictions, and without the 2-3 hour time limits that often apply to airline-operated lounges.

Comparison to Privilege version

The comparison below shows how the standard Infinite stacks up against the premium Privilege tier.

The implication: the Privilege card’s unlimited Maple Leaf Lounge membership cannot be purchased separately — it comes only with the $599 annual fee. For Air Canada frequent flyers who value airport comfort, the upgrade may make sense if the lounge visits alone justify the extra $460.

Should I upgrade the TD Aeroplan Visa Infinite after over 3 years?

After three years with the same card, you’ve likely learned whether its earning pattern fits your spending. The upgrade question depends on whether your travel habits have grown beyond what the Infinite tier covers.

Upgrade paths to Privilege

TD allows cardholders to request a product change from the Infinite to the Privilege version. The application process differs from a new card application, and approval depends on creditworthiness and account standing. The Privilege card carries a $599 annual fee — a significant jump from $139 — but introduces benefits that frequent flyers may actually use.

According to NerdWallet Canada’s annual value analysis, the Privilege card offers a first-year estimated value of roughly $2,682 — factoring in the welcome bonus, lounge access valuation, NEXUS credits, and the companion pass.

“The Privilege card delivers real value beyond the fee for a traveler who maximizes every benefit — but the practical question is whether those benefits align with how you actually travel.” — NerdWallet Canada

Long-term value assessment

The Privilege card offers a first-year estimated value of roughly $2,682, according to NerdWallet’s analysis. That figure includes the welcome bonus, lounge access valuation, NEXUS credits, and the companion pass. For a traveler who maximizes every benefit, the Privilege card delivers real value beyond the fee.

The practical question is whether the Privilege benefits align with how you actually travel. If you fly Air Canada six or more times per year and value airport lounges, the upgrade makes financial sense. If you fly twice annually and skip the lounge entirely, staying with the Infinite makes more sense.

What travel insurance does TD Aeroplan Visa Infinite offer?

The card includes a bundled travel insurance package that covers common scenarios. Understanding what’s included — and what’s excluded — prevents surprises at claim time.

Coverage types

The table below summarizes the coverage limits from the TD Canada Trust product documentation.

These coverage limits are typical for mid-tier travel cards in Canada. The emergency medical coverage provides a safety net for international trips where provincial health coverage falls short, but the $1,000,000 ceiling is standard — not unlimited.

Eligibility requirements

Travel insurance activates when you charge the full cost of the trip to the card. Partial payments or third-party bookings may result in reduced or denied coverage. Pre-existing condition exclusions typically apply, and coverage may be limited for travelers over a certain age without additional screening.

Related reading: Personal Finance Canada Reddit · BMO Online Banking Login

While the Infinite card delivers strong value for everyday Air Canada flyers, the TD Aeroplan Visa Infinite Privilege review elevates perks with unlimited lounge access and status boosts.

Frequently asked questions

Related reading

• TD Canada Trust official card page
• NerdWallet Canada credit card analysis
• FlyTrippers TD First Class Travel comparison
• Personal Finance Canada Reddit community experiences

For Air Canada loyalists who check bags and book flights directly with the carrier, the TD Aeroplan Visa Infinite usually makes financial sense. The earn rate on gas and groceries alone can generate enough points to offset the annual fee within a few months of moderate spending. For travelers who rarely fly Air Canada or skip the lounge entirely, the card’s value proposition weakens considerably — and alternative cards with no foreign transaction fees or built-in lounge access may serve those spending patterns better.