TD Aeroplan Visa Infinite
Best offer is available publicly until December 1, 2019

  • Signup bonus:
    • 15,000 Aeroplan miles upon first purchase
    • 2x Aeroplan miles on eligible purchases in the first three months up to a total of 20,000 Aeroplan miles
    • 5,000 Aeroplan miles upon adding an authorized user to your card
    • Total (as advertised) of 40,000 Aeroplan miles
    • Total meaningful amount of 20,000 Aeroplan miles
  • Minimum spending: None
  • Annual fee: $0 for the first year, then $120
    • Annual fee for authorized user continues to be charged at $50 per year
  • Earning rate:
    • 1.5 Aeroplan miles per dollar spent on grocery, gas, drugstore, and purchases
    • 1 Aeroplan mile per dollar spent on all other purchases
  • Insurance: Strong

The Bonuses

The standard offer on the TD Aeroplan Visa Infinite has historically been 15,000 Aeroplan miles with a $120 annual fee. Prior to 2017, we often saw promotional offers on this card, but since then it’s been a little quiet.

From now until December 1, 2019, the advertised offer is a total of 40,000 Aeroplan miles with this card, and the annual fee of $120 is waived for the first year. 

The way in which the 40,000 miles are distributed is as follows:

  • Earn 15,000 Aeroplan miles upon first purchase

  • Earn 2x Aeroplan miles on eligible purchases in the first three months up to a total of 20,000 Aeroplan miles

  • Earn 5,000 Aeroplan miles upon adding an authorized user to your card

As you can see, only the first 15,000 miles are actually a sure thing. The additional 5,000 miles depends on adding an authorized user at an additional $50 cost, while the “up to 20,000 miles” portion of the bonus is in fact dependent on your spending in the first three months.

Therefore, for all intents and purposes, you should think of the welcome bonus on the TD Aeroplan Visa Infinite as either an offer of 15,000 miles with a first-year fee waiver, or an offer of 20,000 miles with a $50 fee.

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In-depth guide

If you consult the Aeroplan Reward Chart, you’ll see that 20,000 Aeroplan miles is enough for a round-trip short-haul flight within North America in economy class. For no money spent out-of-pocket, that’s a pretty good deal on this credit card, though we’ve seen better deals before.

You can also use the 20,000 Aeroplan miles towards a larger redemption, such as an Aeroplan Mini-RTW starting at 75,000 miles in economy class or 150,000 miles in business class.

Under this offer, the annual fee of $120 is charged on the first statement and then rebated within the next two statements. It’s worth noting that when there isn’t a first-year fee waiver on this card, you could also get the $120 annual fee waived by opening a TD All-Inclusive Banking Plan

Supplementary cards can be added to your account at the cost of $50 per card. The first supplementary card you add will incur a bonus of 5,000 Aeroplan miles under the current offer.

Rewards & Benefits

The TD Aeroplan Visa Infinite offers you 1.5 Aeroplan miles per dollar spent on gas, groceries, and drugstore purchases, as well as purchases made on Meanwhile, you’ll earn 1 Aeroplan mile per dollar spent on all other purchases.

The earning rates on this card are good, but not great. The 1.5x category is outstripped by the American Express Gold Rewards Card, which offers 2 Amex MR points per dollar spent on the same purchases. Since Amex MR points can be transferred to Aeroplan at a 1:1 ratio, the 1.5x multiplier on the TD Aeroplan card is pretty inferior and you’d be better off using the Gold Rewards Card instead.

However, there’s something to be said for keeping the TD Aeroplan card as a backup Visa option in your wallet, since some of the establishments where you shop might not accept American Express. In that case, earning 1.5 Aeroplan miles per dollar spent on the bonus categories and 1 Aeroplan mile per dollar spent on other purchases is a decent return. 

As a cardholder, you also get a few perks when travelling on Air Canada on an Aeroplan reward ticket only. These benefits do not apply when you book a revenue ticket with Air Canada. The benefits include a complimentary first checked bag, priority check-in, priority boarding, and a complimentary visit to an Air Canada Maple Leaf Lounge once per calendar year. 

Since these are only usable on Air Canada flights redeemed with Aeroplan, you’ll probably only find them useful when redeeming miles for travel within North America (as redeeming miles for long-haul Air Canada flights is usually terrible value thanks to the hefty fuel surcharges you incur).

Insurance Coverage

As a premium travel credit card, the TD Aeroplan Visa Infinite comes with an impressive suite of insurance benefits, including:

  • Emergency medical insurance of up to $1,000,000 on the first 21 days of a trip (4 days for cardholders aged 65 and up)

  • Trip cancellation and trip interruption insurance of up to $1,500/$5,000 per insured person, which protects against unforeseen factors affecting your trip

  • Delayed and lost baggage insurance of up to $1,000 per person towards the purchase of essential items if your baggage is delayed by more than six hours or lost

  • Flight delay insurance of up to $500 if your flight is delayed by more than four hours

  • $500,000 Common Carrier Accident insurance, which protects you in case of a travel-related accident

  • Auto rental damage & loss insurance, which can help you save on the insurance fees that car rental companies would otherwise charge

One outstanding feature of the card is that the insurance applies to Aeroplan award tickets when you charge the full taxes and fees of the redemption ticket on your TD Aeroplan Visa Infinite.

There aren’t many cards out there with insurance benefits for award travel, so being able to insure your Aeroplan award ticket is a very valuable perk that the TD Aeroplan card offers, especially if you book a complex trip like an Aeroplan Mini-RTW.

This perk alone means that the TD Aeroplan Visa Infinite is an excellent card to keep around after you obtain its signup bonus, because the insurance coverage will come in very handy if you travel frequently on Aeroplan awards.

Apply Now

As a Visa Infinite product, the card requires a minimum annual personal income of $60,000 or a minimum annual household income of $100,000 to be eligible. TD also does not grant the welcome bonus if you’ve received it already in the past six months, so if it’s been more than six months since your last bonus on this card, then you should be good to get it again.

You can find more information about the card and submit an application at the below link (not a referral link):