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TD Aeroplan Visa Infinite Review
A free checked bag on Air Canada for you and up to eight companions is the benefit that pays the fee back. A Canadian card, in Canadian dollars.
We review cards on the terms issuers publish: APR, fees, rewards and eligibility. We do not accept payment for a favorable review. This is a Canadian card and all amounts are in Canadian dollars.
The verdict
Rates and fees
- Annual fee of CA$139, rebated in the first year under the current offer.
- Additional cardholders cost CA$75 each and share the card's benefits.
- 21.99% on purchases and 22.99% on cash advances.
- Foreign currency purchases carry a conversion charge.
- Current rates and offer terms on TD's site
More details
- First checked bag free on Air Canada flights for the cardholder and up to eight companions on the same reservation.
- 1.5 Aeroplan points per CA$1 on eligible gas, groceries and Air Canada purchases; 1 point per CA$1 elsewhere.
- A NEXUS application fee credit of up to CA$100 for the primary and each additional cardholder.
- Thirteen types of insurance, including travel medical coverage and mobile device insurance up to CA$1,000.
- 1,000 Status Qualifying Miles for every CA$10,000 in eligible purchases.
- Benefits are shared with supplementary cardholders.
Pros and cons
Pros
Free checked bag for up to eight companions
First-year annual fee rebate
NEXUS fee credit
Comprehensive insurance package
Visa acceptance everywhere in Canada
Cons
Earn rate tops out at 1.5 points per dollar
No airport lounge access at this tier
Income requirement of CA$60,000 personal or CA$100,000 household
Points are most valuable only on Air Canada flights
Foreign currency conversion charge applies
Full review
This is a Canadian card in Canadian dollars, included here for readers who bank in Canada. It sits in the middle of TD's Aeroplan lineup, above the Platinum and below the Infinite Privilege, and it is the version most Air Canada flyers end up with.
The checked bag benefit is what makes the arithmetic work. A free first bag applies to the cardholder and up to eight companions travelling on the same reservation, which turns a fee most cards charge per person into nothing for an entire family. Two round trips for two people covers the CA$139 fee outright. The NEXUS credit, worth up to CA$100 per cardholder, does a similar job in the first year, and the insurance package is one of the deeper ones at this price.
The weakness is the earn rate. Fifteen points per ten dollars on gas, groceries and Air Canada, and one point per dollar on everything else, is unremarkable for a premium travel card. Aeroplan points hold their value best when redeemed for Air Canada flights, so if you rarely fly the airline the rewards side of this card will disappoint. There is also no lounge access here; that starts at the Infinite Privilege tier, at a much higher fee. Eligibility requires CA$60,000 in personal income or CA$100,000 household.
» MORE: Compare all eight cards side by side
The basics
Best for: Canadian families who fly Air Canada
Annual fee: CA$139, rebated the first year
Card network: Visa Infinite
Eligibility: Canadian resident meeting the income requirement
How it compares
TD Aeroplan Visa Infinite (Canada)
United Club Card (Infinite)
Wells Fargo Autograph CardPublished issuer terms, checked Aug 30, 2026. The TD card is priced in Canadian dollars; the other two are U.S. products.
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Frequently asked questions
Can I get this card if I live in the U.S.?
Who gets the free checked bag?
Does it include lounge access?
About the author
CreditStepUp Team
We compare credit cards on the terms issuers publish and update our pages when those terms change.