Independent ClearFin review · TD Bank
Start with up to 40,000 Aeroplan points plus a first-year annual-fee rebate, worth about $800.
First year free
Current new-cardmember offer
Certificate terms apply
✈️ Best TravelIts strongest published earn rate in our data is 1.5% on groceries. The $139 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Product page and insurance certificateNew cardmembers can earn up to 40,000 Aeroplan points plus a first-year annual-fee rebate by completing the steps below.
New-account eligibility, purchase, spending and account-standing conditions apply.
Confirm final approval criteria and current rates directly with the issuer.
Not explicitly disclosed by issuer on product page.
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. Approval is primarily driven by income eligibility ($60,000 personal or $100,000 household), credit history strength, and overall underwriting assessment rather than a fixed score threshold.
Reward limits: No explicit cap on Aeroplan point accumulation from base earn rates. However, Aeroplan Status Qualifying Miles (SQC) accumulation is capped.
Earning cap
Earning cap
Earning cap
Redemption values and availability may vary by option and can change.
Redeem Aeroplan points for eligible Air Canada and partner-airline flights, with taxes, fees, availability, and program rules applying.
Use eligible points for hotels, car rentals, merchandise, gift cards, and other options available through Aeroplan.
Consider these extras by the value they add to purchases and experiences you already use.
Free first checked bag benefit
Primary cardholders, additional cardholders, and up to 8 travel companions on the same Air Canada reservation receive first checked bag free on eligible Air Canada flights.
Aeroplan Elite Status acceleration
Earn 1,000 Status Qualifying Miles (SQC) for every $20,000 in eligible net purchases, up to 25,000 SQC per year.
NEXUS application fee rebate
Receive up to $100 CAD rebate every 48 months for NEXUS application fees.
Comprehensive travel insurance package
Includes travel medical insurance, trip cancellation/interruption, flight delay, baggage delay/loss, rental car collision coverage, and emergency travel assistance.
Mobile device insurance
Coverage up to $1,000 for eligible mobile devices against loss, theft, accidental damage, or breakdown.
Purchase security and extended warranty
Covers eligible purchases against theft/damage for 90 days and extends manufacturer warranties up to 12 additional months.
Visa Infinite lifestyle perks
Access to Visa Infinite Concierge, luxury hotel collection benefits, dining events, entertainment offers, and travel experiences.
Car rental privileges
Avis Preferred Plus upgrade status and discounted rental rates at Avis and Budget locations globally.
Flexible redemption ecosystem
Aeroplan points can be used for flights, hotels, car rentals, merchandise, and experiences with no blackout periods on Air Canada flights.
9 coverages listed. Key terms are summarized below; full certificate terms apply.
Up to $2 million of emergency medical coverage; the product page states coverage for the first 21 days when under age 65 and the first 4 days for an insured person or spouse age 65 or older.
Trip cancellation coverage up to $1,500 per insured person, maximum $5,000 for all insured persons; trip interruption up to $5,000 per insured person, maximum $25,000 per covered trip, subject to the Benefit Coverages Guide.
Up to $500 per insured person for eligible expenses when a covered flight or trip is delayed more than 4 hours, subject to payment and certificate requirements.
Up to $1,000 overall per insured person for eligible delayed baggage essentials or lost baggage, subject to the Benefit Coverages Guide.
Up to $500,000 for covered losses while travelling on an eligible common carrier, subject to payment and certificate requirements.
Up to $2,500 per occurrence for eligible personal items stolen from a hotel or motel room, subject to the Benefit Coverages Guide.
Coverage for eligible rental vehicles for rentals of up to 48 consecutive days, subject to the Benefit Coverages Guide.
Up to $1,000 for eligible loss, theft, accidental damage or mechanical breakdown, subject to the Benefit Coverages Guide.
Eligible new purchases can be covered for theft or damage within 90 days; eligible manufacturer warranties may be doubled for up to 12 additional months, subject to the Benefit Coverages Guide.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
Review official insurance details ↗What we like
Worth noting
A practical reading of where the card earns, what the fee buys, and which limits matter.
1.5x Aeroplan on gas, EV charging, groceries & Air Canada. 1x on everything else.
Groceries, Gas receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
Using the strongest estimated category return alone, roughly $9,300 in annual spending at that rate would equal the $139 fee before considering the value of insurance, partner benefits, or a welcome offer.
This card is most relevant for someone who spends consistently on groceries and gas and can use enough of the included value to justify the yearly cost.
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. Official TD Aeroplan Visa Infinite product page and Benefit Coverages Guide checked October 11, 2026. Current offer effective September 1, 2026 was also checked.
