Credit cards · Card review
TD Aeroplan Visa Infinite review
The Aeroplan default for good reason: free first checked bags for the whole booking, the best big-bank under-65 medical (21 days), real 65+ coverage (4 days), and a 40,000-point ongoing welcome. The earn rate is the weak spot; the perks do the lifting.
Best for: Air Canada flyers — especially couples and families who check bags
Pros
- Free first checked bag for up to 9 travellers on one reservation — ~$140/round trip for two
- 21-day medical under 65 · 4 days at 65+ — the best big-bank combination
- 40,000-point ongoing welcome with first-year rebate
- NEXUS credit every 48 months
Cons
- 1.5× earn is modest, and only on gas, groceries and Air Canada
- Aeroplan value depends on award availability — no fixed chart
- No lounge access at this tier (the Amex Aeroplan Reserve owns that)
The perks-first proposition
Most travel cards sell earn rates; this one sells flying conditions. The free first checked bag applies to everyone on the reservation (up to nine people) — a couple checking bags both ways recovers roughly $140 per round trip, paying the $139 fee back in a single vacation. Add priority services on Air Canada and the NEXUS rebate, and the card is best understood as an Air Canada membership that happens to earn points.
The earn itself — 1.5× on gas, groceries and Air Canada, 1× elsewhere — won’t win any table. Aeroplan’s value lives in redemptions, which reward flexibility and planning the way Avion’s fixed chart rewards predictability.
The best big-bank insurance combination
Certificate-verified: 21 days under 65 — the longest of the big banks alongside BMO Ascend — and 4 days at 65+, which almost nothing else offers (TD’s spouse rule applies: either spouse being 65+ triggers the shorter window). Trip cancellation ($1,500/person) and interruption ($5,000/person) are present. For an Air Canada loyalist heading into their 60s, this combination is quietly the category’s most practical.
Against its Amex siblings
The Aeroplan family splits three ways: this card (perks + insurance, $139), the $120 Amex Aeroplan (better earn at 1.5–2× — but certificate-confirmed ZERO travel medical, a gap most holders don’t know), and the $599 Aeroplan Reserve (Maple Leaf Lounge access, 150,000-point welcome to July 28). For most Aeroplan collectors the TD card is the keeper and the Reserve is the splurge; the $120 Amex needs its insurance gap priced in.
Frequently asked questions
What does the TD Aeroplan Visa Infinite cost?
Annual fee: $139 — $75 per additional cardholder; first-year rebate in the current offer. Purchase rate 21.99%; cash advances 22.99%. Foreign transactions: Not published on the card page — confirm in the cardholder agreement (typically 2.5%). All figures verified at TD’s own pages on June 12, 2026 — compare the field on our main card table.
What are the TD Aeroplan Visa Infinite’s earn rates — with the caps?
1.5× gas, EV charging, grocery and direct Air Canada · 1× else. Free first checked bag for up to 9 travellers on one reservation + NEXUS credit. Caps are where card marketing goes to die — our worked household math prices every major card through its caps.
Does the TD Aeroplan Visa Infinite include travel medical insurance?
21 days if 64 or under ($2M) · 65+: first 4 days — among the best big-bank 65+ treatment. Card medical attaches to holding the card in good standing (the trip doesn’t need to be charged to it), but trip cancellation/interruption benefits do require paying with the card. The full certificate-verified age-cliff table is on our retiree cards page.
Who can get the TD Aeroplan Visa Infinite?
$60,000 personal / $100,000 household. Current welcome offer: Up to 40,000 Aeroplan pts (10k first purchase + 15k at $3,000/90 days + 15k anniversary at $12,000) + first-year rebate — ongoing, may be withdrawn. Offers change without notice — confirm on the issuer’s page before applying.
The bottom line
If you fly Air Canada with bags, this card pays for itself before any point lands — and its insurance ages better than any rival’s. Maximizers can pair it with transferable-points earners; the field comparison is on best travel cards.
Educational review, not credit advice or an offer of credit. Facts verified at TD’s own pages (insurance from certificates where stated) on June 12, 2026; offers, rates and terms change without notice — confirm on the issuer’s page before applying. Quebec residents may see different offers and rates.