45,000 Aeroplan points
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$588
First-year value
45,000
Aeroplan points
$139
Annual fee
First Year Rebate
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of Aeroplan points at 2.1 cents per point.
10,000 Aeroplan points on first purchase
15,000 Aeroplan points upon spending $3,000 in the first three months
20,000 Aeroplan points anniversary bonus upon spending $12,000 in the first year
Total of up to 45,000 Aeroplan points
Gas, Travel & Groceries
Everything Else
Last updated: March 2, 2026
The TD® Aeroplan® Visa Infinite* Card is an excellent option for all Aeroplan collectors to pick up a hefty chunk of points with a relatively low minimum spending requirement.
| Tier | Amount | Requirement |
|---|---|---|
| On first purchase | 10,000 Aeroplan points | First purchase |
| Spend threshold | 15,000 Aeroplan points | $3,000 spend in 3 months |
Welcome bonus history is for Members
See how this card’s welcome offers have evolved over time.
†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
45,000 Aeroplan points
Apply Now†Terms and conditions apply.
The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on any TD product, please click the Apply Now button.
Last updated: March 2, 2026
| Anniversary bonus | 20,000 Aeroplan points | $12,000 spend in 12 months |
| Total | 45,000 Aeroplan points |
Annual Fee
$139
First Year Free
Yes
Additional Card
$75/year
With the annual fee fully rebated in year one and TD All-Inclusive Banking Plan holders able to waive it permanently, this becomes a compelling no-fee option for everyday Aeroplan earning – especially if you're already carrying that bank account.
The tiered structure rewards both quick wins and sustained spending. Cardholders pick up 10,000 Aeroplan points on their first purchase and another 15,000 after spending $3,000 in three months, then unlock a 20,000-point anniversary bonus by hitting $12,000 in annual spending – bringing the total to 45,000 Aeroplan points and pairing well with everyday category earn.
| Category | Rate |
|---|---|
| Gas | 1.5× |
| Travel | 1.5× |
| Groceries | 1.5× |
| Everything Else | 1× |
The 1.5x on gas, groceries, and travel delivers steady Aeroplan accumulation across everyday Canadian spending without category caps or quarterly rotations. It's not class-leading – Cobalt beats it on groceries, premium travel cards on travel spend – but it earns a spot as a reliable secondary card or single-card simplifier for Aeroplan loyalists.
The uncapped structure matters for high-spend households: annual grocery runs and weekly fuel-ups compound into meaningful balances without you chasing thresholds. In a multi-card setup, this becomes the Aeroplan workhorse while your premium card handles lounge access and category bonuses.
Aeroplan shines brightest on long-haul premium cabin redemptions – think transatlantic business class from 60,000 points or accessing Lufthansa First Class and ANA's new suites through Star Alliance partners. The 5,000-point stopover feature lets you build multi-city itineraries across Europe or Asia without paying for separate awards.
Book Air Canada metal for predictable fixed pricing, but explore partner availability for the real sweet spots – Turkish to Istanbul, Singapore to Southeast Asia, or United's Polaris routes where Air Canada doesn't fly. Transfer flexibility doesn't apply here since you earn Aeroplan directly, so your redemption strategy is entirely within one ecosystem.
Read Our Full Aeroplan Guide
Read moreFree first checked bag for cardholder + up to 8 companions
General1,000 SQC per $20,000 spend toward Aeroplan Elite Status (up to 25,000 SQC/year)
General$100 NEXUS rebate every 48 months
General4th night free on Aeroplan hotel redemptions
GeneralTroon Rewards Silver (10% off at 95+ golf courses)
GeneralAvis Preferred Plus (1 car-class upgrade)
GeneralPriority boarding and free checked bags are table stakes for Air Canada loyalists, but the $100 NEXUS rebate every four years is what sets TD apart – neither CIBC nor Amex offers this at the mid-tier, and if you cross the border regularly, it's a thoughtful inclusion that pays for itself.
The annual companion voucher renews after your first year and delivers the most value on longer-haul routes where baseline points costs run high. Book early on popular routes to secure two seats, and don't let it expire unused – even a domestic cross-country redemption represents meaningful savings.
Underwritten by TD Insurance
| Coverage | Maximum | Details |
|---|---|---|
| Emergency Medical | $2,000,000 | 21 days, 4 days (65+), Cardholder, spouse, dependent children |
| Trip Cancellation | $2,500 | $10,000/trip, charge required, YES — Aeroplan award bookings covered when taxes/fees charged to card |
| Trip Interruption | $5,000/person | $25,000/trip, charge required |
| Trip Delay | $500 | 4-hour minimum |
| Baggage Delay | $1,000 | 6-hour minimum |
| Baggage Loss | $1,000/person | – |
| Rental Car | Included | CDW/LDW, MSRP ≤ $65,000, up to 48 days |
Pre-Existing Conditions
90-day stability period required (180 days for 65+)
TD Insurance delivers one of the more traveller-friendly packages in the Canadian market, especially for Aeroplan redemptions – coverage applies when you charge just the taxes and fees, not the full ticket price. The 90-day pre-existing condition window and $65,000 rental car threshold are both more generous than most competing products.
For short North American trips, this coverage is robust enough to travel with confidence. Extended international travel may warrant supplemental insurance, particularly if you're heading to regions with high medical costs.
85,000 Aeroplan points
