Fly often with Air Canada? Want to earn miles, get free checked bags, and travel perks?

The TD Aeroplan Visa Infinite is a premium travel rewards credit card from TD Bank, partnered with Air Canada’s Aeroplan program. With the current Aeroplan welcome offer, cardholders can earn up to 45,000 Bonus Aeroplan Points, making this TD Aeroplan card a powerful option for Canadian travelers who want to accelerate point accumulation.

This card is aimed at frequent flyers, Air Canada loyalists, and anyone planning near-term spending to meet a welcome bonus. It combines valuable travel perks—like free checked bags and priority boarding—with strong earning potential across everyday categories and Aeroplan partners.

Credit Card

TD Aeroplan

Earn Aeroplan points on all purchases Priority check-in and boarding on Air Canada flights Travel insurance including trip cancellation and medical

Complimentary first checked bag

How to access You will remain on the same site

The rest of this article walks through an overview of the card, the full breakdown of the 45,000 Bonus Aeroplan Points offer, ongoing earning rates, travel benefits, fees and eligibility, application tips, redemption strategies, common pitfalls, and real-world examples to help you decide if the TD Aeroplan Visa Infinite fits your travel goals in travel rewards Canada.

Key Takeaways

• TD Aeroplan Visa Infinite partners with Aeroplan to deliver strong travel rewards.
• The current Aeroplan welcome offer can earn you up to 45,000 Bonus Aeroplan Points.
• Best for frequent flyers, Air Canada loyalists, and those planning large near-term spending.
• Card perks include free checked bags, priority boarding, and enhanced earning on Aeroplan partners.
• Upcoming sections cover earning rates, fees, how to apply, and real-world redemption examples.

TD® Aeroplan® Visa Infinite Card*

Ideal for frequent travelers, this card offers:

• Rewards: Earn Aeroplan points on eligible purchases, with accelerated earnings on Air Canada and Air Canada Vacations purchases.
• Annual Fee: $139.
• Travel Benefits: Access to Air Canada benefits, including priority check-in and boarding.
• Insurance Coverage: Comprehensive travel insurance, including trip cancellation and emergency medical coverage.

This card is perfect for those who frequently fly with Air Canada and wish to accumulate Aeroplan points for future travel.

TD First Class Travel® Visa Infinite Card*

Designed for travel enthusiasts, it provides:

• Rewards: Earn TD Rewards Points, with 8 points per $1 spent on travel booked through Expedia for TD.
• Annual Fee: $139.
• Travel Benefits: $100 annual travel credit, global lounge access, and extensive travel insurance coverage.
• Insurance Coverage: Includes trip cancellation, emergency medical, and baggage delay insurance.

This card is suitable for those who prefer flexibility in booking travel and desire a broad range of travel-related benefits.

TD Cash Back Visa Infinite Card*

Tailored for everyday spenders, it offers:

• Rewards: Earn 3% cash back on groceries, gas, and recurring bill payments; 1% on all other purchases.
• Annual Fee: $139.
• Welcome Offer: Up to $600 in value, including 10% cash back on eligible purchases in the first 3 months (up to $3,500).
• Insurance Coverage: Provides travel medical, baggage delay, and car rental insurance.

This card is ideal for individuals seeking to maximize cash back on everyday expenses while enjoying travel-related insurance benefits.

Comparison Table

Conclusion: Choose the TD® Aeroplan® Visa Infinite Card* if you frequently fly with Air Canada and wish to accumulate Aeroplan points. Opt for the TD First Class Travel® Visa Infinite Card* if you prefer flexibility in booking travel and desire a broad range of travel-related benefits. The TD Cash Back Visa Infinite Card* is ideal for individuals seeking to maximize cash back on everyday expenses while enjoying travel-related insurance benefits.

Credit Card

TD First Class

Earn points on all purchases redeemable for travel Flexible travel redemption with no blackout dates Travel insurance coverage for trips worldwide

Visa Infinite perks including airport lounge access

How to Access You will be redirected to another website

Overview of the TD Aeroplan Visa Infinite Card

The TD Aeroplan Visa Infinite Card blends everyday earning with travel perks aimed at frequent flyers. This TD Aeroplan overview highlights a Visa Infinite product built to accumulate Aeroplan points on daily purchases and travel. The card targets Canadians who value Air Canada connectivity and broad partner redemptions.

The ideal cardholder Aeroplan profile includes regular Air Canada passengers who want a checked bag and priority services. It also fits families consolidating travel spend and consumers who prefer strong travel insurance bundled with their card. Applicants should be Canadian residents aged 18+ or the provincial age of majority.

Key selling points at a glance

• Welcome bonus potential of up to 45,000 Bonus Aeroplan Points, subject to current promotion terms.
• Competitive earn rates on everyday purchases and extra points with Aeroplan partners.
• Travel perks like a free checked bag on Air Canada, priority boarding, and possible lounge access through partner programs.
• Comprehensive travel insurance including emergency medical and trip cancellation/interruption coverage.
• Cardholder protections such as purchase insurance and extended warranty under Visa Infinite benefits.

How it stacks up in the market

In a travel credit card Canada comparison, the TD Aeroplan Visa Infinite often competes well on welcome offer size and Aeroplan integration. Compared with American Express Aeroplan cards and CIBC Aeroplan Avion, TD’s card finds a middle ground between perks and annual fee. Versus WestJet RBC products, TD stands out for Air Canada-specific advantages like the checked-bag benefit.

The trade-offs are clear. Some premium options such as Visa Infinite Privilege or American Express Premium cards may deliver wider lounge access and higher earn rates. Those cards often carry larger annual fees. For many cardholders, the TD Aeroplan Visa Infinite strikes a solid balance between Aeroplan benefits and cost.

TD Aeroplan Visa Infinite: Up to 45,000 Bonus Aeroplan Points

The TD Aeroplan Visa Infinite card often features a layered welcome package that can deliver up to 45,000 Bonus Aeroplan Points to new cardholders. This section walks through the Aeroplan welcome offer breakdown, explains how the bonus is typically split, and spells out TD welcome bonus how to qualify for the full amount.

Breakdown of the current welcome offer

Offers usually start with an initial lump-sum bonus for making your first purchase. Extra points unlock in tiers after you reach specified spending thresholds. For example, you might see a base bonus of 10,000 points on first use plus additional tranches that add up to the advertised 45,000 Bonus Aeroplan Points when all spending conditions are met.

Promotions vary over time and follow TD’s and Aeroplan’s terms. Read the exact offer language on the card’s landing page to confirm timing, eligible transactions, and any caps or exclusions.

How to qualify for the full 45,000 Bonus Aeroplan Points

Follow these steps to maximize chances of getting the full bonus:

• Apply and get approved for the TD Aeroplan Visa Infinite card.
• Make required purchases that meet the minimum spend within the offer window. Typical windows run 60–90 days from account opening.
• Confirm eligible purchases exclude balance transfers, cash advances, fees, and certain credits. Returns or refunds reduce qualifying spend.

Some offers require activation or registration after approval. Check your welcome materials or the Aeroplan welcome offer breakdown to see if registration is needed.

Timing and minimum spend requirements

Typical structures ask you to spend a set dollar amount within 60 or 90 days to earn each tier of the bonus. For example, you might need to spend $1,000 in 90 days for one tranche and higher totals for remaining tranches that cumulatively reach 45,000 Bonus Aeroplan Points.

Points usually post after the qualifying period ends. Posting can take several weeks, so monitor your Aeroplan account and card statements. Always read the fine print for exact dates, eligible transactions, and exclusions for business or employer-paid cards.

Understanding Aeroplan Points and Their Value

Aeroplan points power many travel choices. The program blends dynamic award pricing with fixed-chart sweet spots, so Aeroplan points value can shift by route, cabin, demand, and whether Air Canada or a partner markets the flight. Analysts often cite a typical CAD range per point, but real Aeroplan redemption value depends on the specific ticket or upgrade you pick.

How flights and upgrades are priced

Aeroplan uses dynamic pricing for many awards, yet maintains fixed prices for some short-haul and partner redemptions. That means you may see wide swings in Aeroplan redemption value on the same route. Upgrade redemptions let you upgrade with Aeroplan points on eligible Air Canada paid fares. The points required vary by fare class, route, and seat availability.

Short domestic and transborder examples

A round-trip flight within Canada can be a low-cost redemptive option. Short-haul fixed-price awards often deliver solid cents-per-point returns versus paying cash. Transborder trips to the U.S. are similar, with modest point requirements and clear Aeroplan redemption value when cash fares are high.

Long-haul and premium cabin examples

For international long-haul travel, redeeming for business class usually raises the cents-per-point you receive. Economy redemptions can be useful for budget trips, but business-class awards often provide the best Aeroplan points value when availability exists. Upgrading with Aeroplan points from economy to premium economy or to business can be a high-value use if the paid fare class prices favor upgrades.

Clear examples of upgrade costs

• Short upgrade: economy to premium economy on a North American route may require a modest number of points depending on the fare bucket.
• Long upgrade: upgrading a long-haul economy fare to business can demand many more points, yet yield stronger Aeroplan redemption value overall.

Practical tips to maximize value

• Redeem for premium cabins on long-haul flights to typically maximize Aeroplan points value.
• Hunt fixed-price sweet spots, such as short-haul awards or partner carrier opportunities, for strong Aeroplan redemption value.
• Be flexible with dates and use multi-city searches to find lower-point routings.
• Mix cash + points or wait for promotions to stretch value and maximize Aeroplan points across trips.
• Monitor partner changes and limited-time offers to spot chances to upgrade with Aeroplan points at lower cost.

Ongoing Earning Rates and Category Bonuses

Understanding how the card earns points helps you choose where to put each purchase. Base rates and special multipliers work together to boost balances fast. Read these short notes to match spending to rewards.

Everyday earn rates

Most everyday purchases like groceries, gas, and dining earn a steady baseline of Aeroplan points per dollar. Exact Aeroplan earn rates vary by TD card product and occasional promotional periods.

Purchases made directly with Air Canada or through Aeroplan partners typically earn a higher rate. Cash advances, balance transfers, and fees do not earn points.

Bonus categories and partners

Travel bookings, Air Canada flights, and Aeroplan partner merchants often carry bonus multipliers. The TD Aeroplan earn categories cover travel, dining, and online shopping portals that trigger extra points.

Spending at Aeroplan-affiliated hotels, car rentals, and retail partners can accelerate accrual. Partner transactions sometimes qualify for extra promotional bonuses on top of standard multipliers.

Seasonal and promotional opportunities

TD and Aeroplan run time-limited offers that raise earn rates or add bonus points for select categories. Typical seasonal Aeroplan promotions include double points on flights and special eStore bonuses.

Monitor Aeroplan communications, TD offers, and the Aeroplan eStore for targeted deals. Many promotions require registration and have clear expiration dates. Track enrollment rules to ensure bonus points post correctly.

Travel Perks and Cardholder Benefits

The TD Aeroplan Visa Infinite card bundles several travel perks that make flying easier and more comfortable. Expect benefits tied to luggage, boarding, seat options, lounges, and a suite of Visa Infinite travel insurance protections. Read issuer and Aeroplan materials before travel to confirm current terms and limits.

Priority boarding, free checked bags, and seat perks

Primary cardholders often receive an Aeroplan free checked bag when flying Air Canada for themselves and immediate family on the same reservation. Typical limits cover one free checked bag per passenger in the covered party.

priority boarding Aeroplan benefits let cardholders board earlier, reducing stress and giving time to stow carry-on items. Claim priority boarding at airline check-in or on the boarding pass when the benefit is listed. Staff at counters and kiosks can confirm eligibility.

Seat perks may include preferred seating discounts or access to preferred seat blocks during booking. These options depend on availability and Air Canada policies. Use your Aeroplan number when booking to surface applicable offers.

Airport lounge access options and how to use them

Lounge access for mid-tier cards varies. Some cardholders get discounted Maple Leaf Lounge passes, Priority Pass as an add-on, or special offers through Aeroplan partner programs. Complimentary lounge access is rare on mid-tier products.

To enter lounges, present your card, boarding pass, and any required membership credentials. Day passes can be purchased when available. Guesting policies differ: check the specific lounge rules for guest limits and fees before arrival.

Confirm with TD and Aeroplan whether lounge access is included or must be purchased. That step avoids surprises at the airport and helps plan arrival times.

Travel insurance coverages included with the card

Visa Infinite travel insurance typically included on the TD Aeroplan card covers emergency medical travel, out-of-province or country emergency medical care, trip cancellation and interruption, flight delay and baggage delay, lost or stolen baggage, and rental car collision/loss damage waiver.

Coverage limits and covered reasons vary by policy. Common exclusions include pre-existing conditions and travel against government advice. Benefit maximums and claim procedures are detailed in the insurance certificate supplied with the card.

Visa Infinite travel insurance usually requires you to pay eligible travel expenses with the card to trigger coverage. Verify eligibility and retain receipts before relying on the policy for a trip.

Fees, Interest Rates, and Eligibility Requirements

The TD Aeroplan Visa Infinite card carries costs and rules worth reviewing before you apply. Below we break down the annual fee, typical interest charges and the common requirements for card eligibility Canada. Verify current figures on TD’s site, since terms change.

Annual fee and how it compares to benefits

The Visa Infinite annual fee for the TD Aeroplan card can feel high compared with basic cards, yet the value depends on your travel habits. Factor in the welcome bonus, free checked bag(s) on Air Canada, travel insurance and any statement credits when judging worth.

Example break-even scenarios help. One round-trip with a checked bag saved can cover a large portion of the first-year fee. Frequent flyers who use lounge access and insurance often see stronger value.

Typical interest rates and fees to watch for

Aeroplan interest rates on purchases for TD Visa Infinite cards are typically variable and higher than savings rates. Cash advance and balance transfer fees and rates are usually steeper. Carrying a balance quickly erodes reward value through interest accrual.

Watch other fees: late payment charges, returned payment fees, fees for additional cardholders and any foreign transaction fees when spending abroad. Paying in full each month is the best way to protect your rewards.

Eligibility criteria for Canadian applicants

Card eligibility Canada typically requires Canadian residency, a minimum age and a minimum personal income threshold that varies by province. TD also expects good to excellent credit history for Visa Infinite approvals.

Common documents requested include proof of income, government-issued ID, proof of address and your Social Insurance Number for credit checks. Meeting the stated income does not guarantee approval; TD reviews your full credit profile and existing debt levels.

How to Apply and Tips for Approval

If you plan to apply TD Aeroplan Visa Infinite, this short guide walks you through the steps and what to expect. Follow a clear process to improve your odds and speed up approval.

Visit TD Bank’s website or a local TD branch and choose the TD Aeroplan Visa Infinite card. Review the current offer terms and any welcome bonus requirements. Complete the online or in-branch application form with your personal, contact, and employment details. If the form asks, link your Aeroplan account number so points post correctly after approval. Submit the application and watch for an instant decision. Some applications go to manual review and may take several business days for a final answer.

Documents and credit score considerations

Helpful documents include recent pay stubs, a Notice of Assessment from the CRA for self-employed applicants, government-issued ID, and a recent utility bill for address verification. Visa Infinite cards generally require a good to excellent credit profile. Aim for a credit score in the 680+ range or equivalent on Canadian scoring models, low credit utilization, and a stable credit history.

Before you apply, check your credit report for errors, correct any inaccuracies, and reduce outstanding balances where possible. These actions improve the chance of approval and match common credit score TD approval tips.

What to do if your application is denied

If TD declines your application, request the reason for denial and review your credit report to spot mistakes. Address high debt levels or thin credit file issues. Consider applying for a lower-tier Aeroplan card or a secured credit card to build history before reapplying. Wait several months after fixing problems before submitting a new application.

You can call TD’s reconsideration line to discuss the decision, especially if your income is solid or there are unusual items on your credit report. Use these steps and the how to apply Aeroplan card guidance to improve your next attempt.

Strategies to Maximize Welcome Bonus and Ongoing Rewards

Timing matters when you try to maximize Aeroplan welcome bonus. Front-load big, planned purchases into the card’s qualifying window. Prepay an eligible insurance premium or book a major appliance during that period to help meet the minimum spend without buying things you do not need.

Avoid risky transactions that issuers often exclude from eligible spend. Cash equivalents, balance transfers, and certain fees may not count. Check TD’s terms before moving money or using services that could be flagged as ineligible.

Move regular bills into the qualifying window where possible. Shift monthly subscriptions, utility payments, and school fees so they post while the welcome offer is active. Small recurring charges add up fast and reduce the need for large one-off buys.

Add authorized users with care to accelerate progress toward the bonus. Confirm whether authorized user spend posts to the primary account and counts toward the welcome offer. TD sometimes treats authorized-user purchases as qualifying, but policies change, so verify before you add cards.

Consolidate true household expenses onto one account. Put groceries, utilities, and family subscriptions on the card to centralize spending and reach the threshold sooner. Watch for returns and reversals; these can drop eligible spend below the required level.

Remember extra cardholders may carry fees and create shared liability. The primary cardholder is responsible for all charges. Weigh the trade-off between faster progress and added cost or responsibility for other household members.

Stack Aeroplan partner promotions to stretch every dollar. Use the Aeroplan eStore for online shopping to earn bonus points while satisfying the welcome-bonus spend requirement. Pair merchant offers with targeted TD or Aeroplan promotions for layered value.

Register for time-limited deals and track expiration dates. Many Aeroplan partner promotions require sign-up and have caps on bonus earnings. Keep a simple calendar or reminder to avoid missing registration windows and to take advantage of elevated earn periods.

Monitor promotional terms closely. Some offers exclude gift cards or certain merchants. Confirm what qualifies before you buy so you do not accidentally waste eligible spend on excluded items while chasing the bonus.

Redemption Options Beyond Flights

Aeroplan points have uses beyond booking Air Canada seats. This section walks through practical ways to stretch your balance, from hotel nights to car rentals and partner awards. Read short, actionable tips to make better choices when you redeem Aeroplan points.

Car rentals, hotels, and merchandise

You can redeem Aeroplan for hotels by booking through Aeroplan’s hotel partners or the Aeroplan portal. Chains like Marriott and Accor often appear via partner links, giving you the convenience of one-stop booking. Renting a car through partnered vendors is an easy option when you prefer points over cash for ground transport.

Merchandise and gift cards remain available, but value per point tends to drop. Compare the cash price to the points cost before you commit. When the cents-per-point rate is low, hold points for higher-value redemptions instead of using them for items with poor return.

Use points for upgrades and short-haul flights

You can use points for upgrades on eligible paid fares with Air Canada. Upgrades require availability and a set points amount that varies by route and fare class. Check upgrade space early and be ready to pay taxes and any carrier fees.

Short-haul fixed-price awards within Canada and to nearby U.S. cities are predictable and can deliver solid value. During last-minute spikes in cash fares, these short flights often represent a smart way to use points. Pick off-peak times when award space is easier to find.

Partner airline redemptions and sweet spots

Aeroplan works with Star Alliance members plus other partners like Lufthansa, United, and Turkish Airlines. That network opens routes and cabins not offered directly by Air Canada. Search partner availability and confirm total out-of-pocket taxes and surcharges before booking.

Some Aeroplan partner sweet spots include transatlantic and intra-Asia routes where award pricing and lower carrier surcharges produce strong value. Keep an eye on partner award calendars. A favorable route and timing can turn a large points balance into a premium-cabin experience for much less cash.

Always run a quick cash-versus-points comparison. Use points for upgrades when availability and cents-per-point line up. For hotels and cars, factor loyalty benefits and refundable rates. Smart comparisons help you maximize Aeroplan redemption options over the long run.

Common Pitfalls and How to Avoid Them

Missing a deadline for a welcome offer can turn a great deal into a disappointment. Track the Aeroplan welcome bonus deadline and the qualifying period from the day you activate the TD Aeroplan Visa Infinite Card. Set calendar reminders and check posting dates, not just purchase dates. Watch for returns or credits that might reduce your qualifying spend below the threshold.

Practical tip: Review monthly statements as they post. If a large purchase is borderline, contact TD to confirm the post date. This reduces the risk of missing a bonus window.

Poor redemption choices can erode the value of your points. Avoid poor point redemptions such as low-value merchandise, generic gift cards, or certain hotel and car bookings that yield cents-per-point well below what a long-haul premium cabin flight might deliver. Calculate cents-per-point before you redeem.

How to pick better redemptions: Prioritize international business-class or known partner sweet spots. Use a quick math check: cash price divided by points equals cents-per-point. Aim for higher returns when possible.

Unexpected fees are another common snag. Annual fees, lounge guest charges, fees for additional cardholders, and foreign transaction fees may add up. Use credit card fee mitigation strategies to keep those costs in check.

Simple defenses: Pay balances in full to avoid interest charges. Book domestically when foreign transaction fees apply. Compare the annual fee to concrete benefits like free checked bags and lounge access to see if the card pays for itself.

If fees or terms seem unclear, call TD before a big purchase or before adding cardholders. Clear communication stops surprises and helps you avoid Aeroplan pitfalls.

Real-World Examples and Case Studies

Below are practical examples and reported experiences that show how the TD Aeroplan Visa Infinite performs in real travel situations. These vignettes aim to clarify the value of the welcome bonus and the card’s day-to-day usefulness for Canadian travelers.

Example trip using 45,000 Bonus Aeroplan Points

A typical 45,000 points example trip is a round-trip economy flight between Toronto and Vancouver on Air Canada during off-peak dates. Award pricing often falls in the 20,000–25,000 points one-way range for standard economy, which makes a round-trip near 40,000–45,000 points feasible.

Cash fares on the same route can vary from CAD 350 to CAD 650 round-trip. Using 45,000 points for a CAD 500 fare gives an approximate value of 1.11 cents per point. Taxes and fees of CAD 50–CAD 100 usually apply on an award booking, which reduces net savings but still presents strong cash-equivalent value when compared to buying tickets outright.

Seat availability can tighten during holidays. Combining the welcome bonus with points earned from everyday spending often opens more options, such as upgrading a one-way to premium economy or covering taxes for domestic connections.

Comparative case: value vs other premium travel cards

A narrative comparison can help when you compare Aeroplan card value to competing premium cards. The TD Aeroplan Visa Infinite arrives with a solid 45,000 bonus, a moderate annual fee, and Air Canada perks like a free checked bag and priority boarding for the primary cardholder.

American Express Aeroplan products and higher-tier Visa Infinite cards sometimes offer broader lounge access, larger statement credits, or higher ongoing earn rates. Those cards may cost more each year but can deliver superior net value for travelers who use lounges or have heavy spend in bonus categories.

If you fly Air Canada frequently and prioritize checked-bag savings, the TD Aeroplan Visa Infinite can be the better fit. If you value unrestricted lounge access or top-tier earn rates, another premium product could outperform it. Personal travel patterns and preferred redemptions drive which card provides the best net outcome.

Member testimonials and reported experiences

Public reviews and Aeroplan community forums highlight common praise for the welcome bonus and Air Canada perks that come with the TD Aeroplan Visa Infinite. Cardholders often cite rapid accumulation of points after meeting the sign-up spend.

Criticisms center on limited lounge access with the base product and annual fee concerns for light travelers. Satisfaction tends to track how effectively cardholders redeem points. Those who pursue premium redemptions or long-haul awards report higher perceived value from Aeroplan points.

Prospective applicants are encouraged to read recent user reviews and Aeroplan community threads to learn about award availability trends and practical booking tips. Reported Aeroplan cardholder experiences vary by travel style, booking flexibility, and how many points a member uses for premium cabins.

Conclusion

The TD Aeroplan Visa Infinite card is a strong option for Canadian travellers who want to earn Aeroplan points quickly and enjoy travel perks like a free checked bag, priority boarding, and insurance protections. With an up-to-45,000 Bonus Aeroplan Points welcome offer, this card can accelerate reward travel for frequent Air Canada flyers and those who plan purchases to meet the minimum spend.

Before you apply, read the fine print: minimum spend windows, eligible transactions, annual fee, and insurance limits all affect real value. Those details will determine whether is TD Aeroplan worth it for your habits. If you rarely redeem Aeroplan or carry a balance, the card’s value drops significantly.

For a final decision framework, treat this card as ideal for regular Air Canada customers or disciplined spenders who can meet the welcome bonus responsibly. If lounge access or statement credits are more important, compare alternatives first. To move forward, check the current TD landing page for the exact 45,000-point terms, confirm eligibility, plan qualifying purchases, and then decide whether to apply Aeroplan Visa Infinite Canada or choose a different travel card.