TD® Aeroplan® Visa Infinite Card


Annual Fee: $0 until June 2, 2019

Additional Cards: $50

Minimum Spend Required for Bonus: $0

Minimum Income Requirement: $60,000 personal or $100,000 household

Sign-Up Bonus (Quebec): 15,000 Aeroplan points when 1st purchase is made + 15,000 when you keep your account open, active, and in good standing for 90 days after account opening

Sign-Up Bonus (Elsewhere in Canada): 15,000 Aeroplan points when 1st purchase is made + 15,000 when you spend $1,000 in the first 3 months.

Effective Bonus Rate: N/A

Points Earn Rate (P.E.R.)

  • 1.5x miles per dollar spent on grocery, gas, drugstore, and
  • 1x mile per dollar spent on everything else

Card Benefits

  • One Complimentary First Checked Bag
  • Priority Check-In and Boarding
  • One Annual One-Time Guest Access Benefit to Maple Leaf Lounge
  • Preferred Avis/Budget Car Rental Rates
  • Earn Miles Twice

Travel Coverage

  • Travel Medical Insurance
  • Trip Cancellation / Trip Interruption Insurance
  • Delayed and Lost Baggage Insurance
  • Flight/Trip Delay Insurance
  • Common Carrier Travel Accident Insurance
  • Auto Rental Collision / Loss Damage Insurance

Annual Fee

The annual fee for the TD Aeroplan VISA card is normally $120. TD is running a promotion until June 2, 2019 that will waive the 1st year fee, making the card $0. No referral link is needed, however there is a minimum income requirement of $60,000 as an individual, or $100,000 within the household.


Bonuses and Benefits

Until June 2, 2019, you have the ability to get a 30,000 Aeroplan miles bonus for $0. This is a fantastic offer as there is no minimum spending requirement needed. All you have to do is make 1 purchase to receive the 1st 15,000 miles, and keep your account open, active, and in good standing for 90 days following your account opening to receive the other 15,000 (QC). If you live outside of Quebec, you’ll need to spend $1,000 within the first 3 months to earn the 15,000 point bonus.


What does 30,000 Aeroplan points get you? Here are some examples below.

North America:

  • Economy round-trip
  • Premium-economy short-haul round-trip
  • Business short-haul round-trip

Mexico, Caribbean:

  • Business one-way

South America, Europe 1:

  • Economy one-way

Europe 1:

  • Economy one-way

Other redemption ideas include redeeming 20,000 miles for a one-way from Hong Kong to Singapore on Singapore Airlines. Don’t forget that you can redeem on other Star Alliance partner airlines as well as Cathay Pacific.

Refer to the Aeroplan Rewards Chart for full redemption rewards.

So effectively, for a $0 annual fee (until June 2, 2019), you can have a variety of solid value redemptions which would normally cost you between $250 on the lower end in economy to $850 on business. Tremendous opportunity in my opinion.

In terms of benefits, the card offers 1 complementary checked bag, priority check-in and boarding in Zone 2, and one-time Maple Leaf Lounge Guest Access for the calendar year when travelling on an Aeroplan reward ticket. The card also comes with preferred rates on car rental services from Avis/Budget.


Points Earn Rate (PER)

The Points Earn Rate (PER for short), as I like to call, gives you 1.5x miles for every $1 spent on gas, groceries, drugstore and purchases.

All other purchases have a 1x mile earn rate for every $1 spent.

The earn rates are nothing outstanding, but not the worst in the world either.


Insurance Coverage

Travel Medical Insurance: Cardholder, spouse, and dependent children are eligible for medical emergency expenses for up to $1 million for the first 21 days. Automatic coverage as the Primary Cardholder. No need to charge the trip to the card.

Trip Cancellation/Trip Interruption Insurance: When charging the full cost of the trip, you’ll be covered up to $1,500 per insured person to a maximum of $5,000 for trip cancellation (must be a covered cause) before departure. You’ll be covered up to $5,000 per insured person, up to a maximum of $25,000, for out-of-pocket expenses if your trip is interrupted by illness, injury, or death of a covered person.

Delayed and Lost Baggage Insurance: If your baggage is delayed more than 6 hours, each insured person on your trip is covered for emergency purchases. Just use your Card and/or Aeroplan Miles to cover your ticket and each person is covered up to an overall maximum of $1,000 per trip.

Flight/Trip Delay Insurance: If your trip is delayed more than four hours, each insured person is covered for up to $500 for hotel, motel or restaurant expenses whenever you charge the full cost of your transportation to your Card and/or Aeroplan Miles.

Common Carrier Travel Accident Insurance: Up to $500,000 while travelling on a Common Carrier (e.g. bus, ferry, plane, train or auto rental) whenever you charge the full cost of your transportation to your Card and/or Aeroplan Miles.

Auto Rental Collision/Loss Damage Insurance: Charge the cost of the car rental and get the Collision/Loss Damage Insurance at no additional cost for up to 48 consecutive days.


Final Thoughts

Most Canadians have an Aeroplan account and scan their Aeroplan to do some passive mileage earning where convenient and possible. Having the TD Aeroplan VISA will certainly help boost earnings in the 1.5x categories, but otherwise it’s not a card where the earning rates are great. Shopping through their online portal helps boost the mileage earnings as you’ll benefit from “Earn Miles Twice” scheme.

Source: Aeroplan Website

When comparing other similar cards, the AMEX Platinum and Gold offer 2 points per $1 spent on travel (Platinum and Gold), and everyday purchases such as gas, groceries, drugstores (Gold only), essentially the same categories as the current card we are talking about. Those AMEX Membership Rewards (MR) points transfer to Aeroplan at 1:1, or any other frequent flyer program like SkyMiles, Asia Miles, or Marriott Bonvoy. So effectively, you’d be better off with the Gold AMEX since you’d be earning 0.5x more. However, not every merchant takes AMEX, especially grocery stores, so it is worth keeping the card in your wallet, as earning 1.5x Aeroplan points is better than earning 0.


You can apply for the TD Aeroplan VISA Infinite directly on their website. Keep in mind the minimum income requirements and that TD will not grant the bonus if you’ve opened an account with them in the last 6 months.