The ClearFin bottom line
✈️ Best Travel
Its 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 · Official issuer catalogueIndependent ClearFin review · TD Bank
TD Aeroplan Visa Infinite
Start with up to 40,000 Aeroplan points plus a first-year annual-fee rebate, worth about $800.
Independent comparisonFees includedCanadian card data
- Annual fee
- $139
- Reward type
- Aeroplan
- Welcome offer
- 40,000 pts
- Insurance
- 1 coverages
First year free
Current new-cardmember offer
Certificate terms apply
✈️ Best Travel
Welcome bonus
Up to 40,000 Aeroplan points plus a first-year annual-fee rebate
New cardmembers can earn up to 40,000 Aeroplan points plus a first-year annual-fee rebate by completing the steps below.
Offer details
New-account eligibility, purchase, spending and account-standing conditions apply.
How you earn
- Earn 1.5 Aeroplan points per $1 on eligible gas, electric vehicle charging, grocery, and direct Air Canada purchases (including Air Canada Vacations)
- Earn 1 Aeroplan point per $1 on all other eligible purchases
- Earn Aeroplan points twice when paying with your card and providing your Aeroplan number at Aeroplan partner brands and Aeroplan eStore retailers
- Aeroplan points can be redeemed for flights, hotels, car rentals, merchandise, and gift cards via the Aeroplan program
- No blackout periods or seat restrictions when redeeming Aeroplan points for Air Canada flights
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$139First year free
Purchase interest21.99%
Cash advance interest22.99%
Foreign transaction fee2.5%
Income requirement$60,000Issuer approval criteria apply
Additional card$75
Household income$100,000Alternative minimum
Recommended credit score660+ Good to Excellent (Prime to Upper-Prime tier)
Not explicitly disclosed by issuer on product page.
300Poor
560Fair
660+Good
725Very Good
760Excellent
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
Using your rewards
Redemption options
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.
Beyond the points
Benefits that come with the card
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.
Show all 9 benefitsShow fewer
Flexible redemption ecosystem
Aeroplan points can be used for flights, hotels, car rentals, merchandise, and experiences with no blackout periods on Air Canada flights.
Protection included
Insurance at a glance
1 coverage listed. Key terms are summarized below; full certificate terms apply.
Comprehensive travel insurance
This coverage is listed in ClearFin's card catalogue. Confirm eligibility, limits, exclusions, and payment requirements in the issuer's current insurance certificate.
Coverage is subject to eligibility, exclusions, limits, payment requirements, and claim rules in the insurance certificate.
The verdict
What we like
- Strong Aeroplan earning structure with 1.5x points on key everyday categories and 1x on all other purchases
- High-value travel ecosystem benefits including free first checked bag for cardholders and up to 8 companions on Air Canada flights
- Comprehensive travel insurance package including medical, trip interruption, baggage, rental car coverage, and emergency assistance
Worth noting
- Annual fee of $139 plus $75 for additional cardholders adds cost burden for multi-user households
- 2.5% foreign transaction fee applies to all non-CAD purchases, reducing travel spend efficiency
- High income requirement ($60K personal / $100K household) limits accessibility for entry-level applicants
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Best Travel
1.5x Aeroplan on gas, EV charging, groceries & Air Canada. 1x on everything else.
How the rewards work
Groceries, Gas receive the strongest estimated return at 1.5%. Purchases outside the accelerated categories earn an estimated 1.0%.
What the annual cost means
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.
Who it may suit
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.
What to examine before applying
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.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.