TD Aeroplan Visa Infinite
Churning cardWhat the roles mean
- Welcome offer: up to 50,000 Aeroplan points in year one, with the $139 fee rebated
Welcome offer now
Up to 50,000 Aeroplan points + first-year annual fee rebate + extras — "up to $1,550 in value."
Checked on TD's own page October 21, 2026. See TD's page
What it earns in a year
37,500 points a year
Worth about $236 after the $139 fee at the simplest redemption, up to $611 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Gas / EV (First $80,000 a year, then 1× points): 1.5× points.
- Groceries (First $80,000 a year, then 1× points): 1.5× points.
- Travel (First $80,000 a year, then 1× points): 1.5× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 37,500 points a year: worth $375 the easy way, $750 the best way.
- Easy way (1¢): Gift cards, merchandise or paying toward a cash fare
- Best way (2¢): Economy flights, best on Star Alliance partners. Business class on partners can reach 3–8¢
How to apply for the TD Aeroplan Visa Infinite
Check first
- Bonus not for recent TD Aeroplan cardholders: you can't get it if you opened a TD Aeroplan Visa in the last 12 months
- Check you qualify Income: $60,000 personal or $100,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on TD's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on TD's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Groceries, gas, EV charging, Air Canada: 1.5 points per $1, up to $80,000 a year combined
- Hyatt hotels: 1.5 points per $1 until July 15, 2029
- Everything else: use another card. This one pays 1 point per $1
- The bonus: spend $3,000 in 90 days, then $12,000 within 12 months (about $1,000/month) for the last 25,000
- Before year two: keep it only if you fly Air Canada enough to use the free bag, or the fee is rebated
- Example: $800/month groceries + $250/month gas = 18,900 Aeroplan points a year
Posts about this card
Key facts
- Annual fee
- $139
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $60,000
- Min. household income
- $100,000
- Rewards
- AeroplanSee every Aeroplan card
Annual fee waiver
- TD All-Inclusive Banking Plan: $139 fee (and $75 for one additional card) rebated every year
- The catch: the plan costs $30.95/month unless you keep $6,000 in it every day
- One card only: the plan rebates one TD card a year
- Worth it if you already keep $6,000 in TD chequing
From td.com product page, checked October 17, 2026. Not an affiliate link.
More TD cards
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $576 a year after both fees, vs $236 with this card alone
- With this card's $139 fee rebated (see Fee waiver): $715 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $761 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Up to 50,000 points: 10,000 on first purchase + 15,000 after $3,000 in 90 days + 25,000 after $12,000 in 12 months
- First-year fee rebated, for you and up to 3 additional cardholders
- Free first checked bag on Air Canada for you and up to 8 companions on the same booking
- $2 million travel medical (first 21 days, under 65)
- $100 NEXUS rebate every 48 months
- Points don't expire while you hold the card
Cons
- $139 a year from year two (see fee waiver)
- 1 point per $1 on everything else, including recurring bills
- The last 25,000 points need $12,000 of spending in 12 months; miss it and you lose them
- No lounge access
- Needs $60,000 personal or $100,000 household income
- No welcome offer if you opened a TD Aeroplan Visa in the past 12 months
- 2.5% on foreign-currency purchases
Insurance included
- Travel medical: $2 million, first 21 days under 65; 4 days at 65+
- Trip cancellation: $1,500 per person ($5,000 per account)
- Trip interruption: $5,000 per person ($25,000 per account)
- Flight delay: $500, after 4 hours
- Delayed bags: $1,000 per person, after 6 hours
- Lost bags: $1,000 per person per trip
- Travel accident: $500,000 on a plane, train, bus or ferry
- Rental car damage: up to 48 days
- Hotel burglary: $2,500
- Phone: $1,000 for loss, theft or damage
- Purchases: 90 days of theft/damage cover, +1 year warranty
- Most trip cover needs 75% of the trip on the card or paid with points
Maximums as TD lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Air Canada: free first checked bag for you + up to 8 companions
- NEXUS: up to $100 back every 48 months
- Hertz: Gold Plus Five Star status (enrol through Aeroplan, yearly)
- Uber One: 6-month free trial
- Avis and Budget: at least 10% off in Canada and the US
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| TD Aeroplan Visa Infinite | 1.5× points≈ 3.0% in value | $288 | $139 | October 21, 2026 |
Other cards for gas / ev
Back a year on $3,000 of gas / ev, caps included. Points at best-case value. Before annual fees.
| Card | Earns on gas / ev | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| SimplyCash Preferred | 4% back | $120 | $120 | October 21, 2026 |
| Amex Cobalt | 2× points≈ 4.0% in value | $120 | $192 | October 21, 2026 |
| Amex Gold Rewards | 2× points≈ 4.0% in value | $120 | $250 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 2× points≈ 4.0% in value | $120 | $499 | October 21, 2026 |
| CIBC Dividend Visa Infinite | 4% back≈ 3.9% in value | $118 | $120 | October 21, 2026 |
| BMO eclipse Visa Infinite | 5× points≈ 3.4% in value | $101 | $120 | October 21, 2026 |
| TD Aeroplan Visa Infinite | 1.5× points≈ 3.0% in value | $90 | $139 | October 21, 2026 |
How the offer has changed
One row per check of TD's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Unchanged: up to 50,000 pts: 10k first purchase + 15k ($3,000 / 90 days) + 25k ($12,000 / 12 months). "Up to $1,550 in value."Unchanged vs October 17, 2026 (page HTML content-identical; only cache-buster strings differ). Offer still dated September 1, 2026; $139 fee, 21.99% purchases; All-Inclusive Banking Plan page also unchanged | $139, rebated yr 1 (primary + up to 3 additional) | none stated |
| October 17, 2026 | Unchanged: up to 50,000 pts: 10k first purchase + 15k ($3,000 / 90 days) + 25k ($12,000 / 12 months). "Up to $1,550 in value."Offer still dated September 1, 2026. Page now also shows 1.5 pts/$1 at Hyatt (July 15, 2026 to July 15, 2029) and Hertz Five Star status | $139, rebated yr 1 (primary + up to 3 additional) | none stated |
| September 7, 2026 | Up to 50,000 pts: 10k first purchase + 15k ($3,000 / 90 days) + 25k ($12,000 / 12 months). "Up to $1,550 in value."Third tier 15k → 25k; effective September 1, 2026 | $139, rebated yr 1 (primary + first additional) | none stated |
| July 31, 2026 | Unchanged (full audit) | $139, rebated yr 1 | — |
| June 14, 2026 | Up to 40,000 pts: 10k first purchase + 15k ($3,000 / 90 days) + 15k ($12,000 / 12 months). "Up to $1,350 in value."Effective June 1, 2026 | $139, rebated yr 1 | — |
General information, not financial advice. Offers change; confirm on TD's page before you apply.