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Traveling across Canada can be expensive. This happens when we add up extra fees, luggage, and tickets. Because of this, many people look for the best TD Aeroplan Visa Infinite benefits to cut these costs right from the start.
In this guide, we detail all the TD Aeroplan Visa Infinite benefits. We show exactly how this card works. That way, you can turn your grocery purchases into real, hassle-free trips.
Keep reading to check out all the TD Aeroplan Visa Infinite benefits. You will understand the math behind the annual fee. Plus, you will learn about insurance rules and find out if it is worth the investment for you.
What Is the TD Aeroplan Visa Infinite Card?
The TD Aeroplan Visa Infinite is one of the most popular travel credit cards in Canada.
It is the result of an official partnership between Toronto-Dominion Bank (TD) and Air Canada, the country’s primary airline.
Its main goal is simple: convert regular monthly expenses into Aeroplan loyalty program points.
At the same time, it provides perks that eliminate airport stress.
Unlike complex financial products, it operates in the mid-tier segment.
As such, it delivers high-level perks without charging exorbitant annual fees like extreme luxury cards do.
Requirements to Get TD Aeroplan Visa Infinite Benefits
To apply for this card in Canada, you must meet certain criteria. They are set by Visa and the banking institution:
- Minimum personal income: $60,000 CAD gross per year.
- Minimum household income: $100,000 CAD gross per year. This applies if you live with a spouse or partner.
- Residency: Be a permanent resident or citizen with a permanent address in the country.
- Legal age: Be of legal age in your province or territory of residence (usually 18 or 19 years old).
- Credit history: Have a healthy credit score in Canada.
Main TD Aeroplan Visa Infinite Benefits for Travelers
The true strength of this payment option appears when you step into the airport.
In fact, the privileges tied to Air Canada flights generate direct savings for your wallet.
1. First Checked Bag Free
Without a doubt, this is the favorite benefit of most cardholders.
The primary cardholder and up to eight people traveling on the same reservation get their first checked bag for free.
Each bag can weigh up to 23 kg (50 lb). To qualify, the first flight segment must be operated by Air Canada or its regional carrier, Air Canada Rouge.
See how quickly the math adds up:
- The fee charged by Air Canada for a bag is around $35 to $40 CAD per direction.
- On a round trip, a single person saves around $70 to $80 CAD.
- A couple saves up to $160 CAD on a single vacation trip.
- A family of four saves up to $320 CAD just at the check-in counter.
With just these savings on a quick trip, you already recover the entire annual fee of the card.
2. Your Aeroplan Points Never Expire
Under the general rules of the Aeroplan program, if you go 18 months without account activity, you lose all your accumulated miles.
By keeping the card active, this rule is waived.
Your points remain valid and safe in your account, even if you go long periods without flying.
3. Preferred Pricing on Flight Redemptions
Cardholders get access to reduced prices (Preferred Pricing) when redeeming points for flights on Air Canada’s website or app.
In fact, the system applies an automatic discount on the number of miles required to book seats. This way, your miles yield more flights throughout the year.
4. NEXUS Application Fee Rebate
The NEXUS program speeds up land and air border crossings between the United States and Canada. It allows you to use dedicated priority lanes.
With this card, you receive up to $100 CAD in statement credits every 48 months to cover the application or renewal fee for the NEXUS pass.
This advantage also extends to additional cardholders.
How Does Earning Points on Monthly Expenses Work?
You do not need to travel every week to earn a good points balance. Earning structures target essential purchases that are already part of your daily routine.
The earning structure works as follows:
- 1.5 Aeroplan points per dollar spent: at supermarkets and grocery stores.
- 1.5 points per dollar spent: at gas stations and electric vehicle (EV) charging stations.
- 1.5 points per dollar spent: on direct Air Canada purchases (flight tickets and Air Canada Vacations packages).
- 1.0 point per dollar spent: on all other eligible daily expenses (restaurants, pharmacies, general purchases).
Extra Partnerships to Earn More (TD Aeroplan Visa Infinite benefits)
The card also features commercial partnerships that boost returns on your spending:
- Starbucks: Earn 50% more Stars on eligible purchases when linking your profiles.
- Uber One: Access free subscription periods and discounts on rides or meals.
- World of Hyatt: Earn bonus points on stays at participating network hotels.
Use Travel and Purchase Protection Features
One of the most praised aspects of this card’s policy is its coverage on trips paid for with points.
Know that most competing banks require airline tickets to be 100% paid in cash to activate insurance coverage.
In TD’s case, the rule is different. You can pay taxes and fees for award tickets using the card. If you cover at least 75% of non-refundable costs, coverage takes effect normally.
Check out the main coverages included:
- Emergency Medical Insurance: Up to $2,000,000 CAD for medical expenses outside your province or country. Coverage lasts up to 21 days for individuals aged 64 and under.
- Trip Cancellation and Trip Interruption: Protects amounts paid for hotels and transport in unpredictable situations before or during your trip.
- Flight Delay and Lost Baggage: Reimbursement for emergency purchases, clothes, and meals if your flight is delayed by more than 4 hours.
- Auto Rental Collision/Loss Damage Insurance: Covers theft and collision (CDW/LDW) for vehicles rented for up to 48 consecutive days, saving you the rental agency’s daily fee.
- Mobile Device Protection: Coverage of up to $1,000 CAD against theft or accidental drops for new smartphones purchased with the card.
- Extended Warranty: Doubles the original manufacturer’s warranty on everyday purchases for up to one additional year.
Costs and Fees of TD Aeroplan Visa Infinite Benefits
To make an informed decision, it is important to evaluate all fees involved:
- Primary cardholder annual fee: $139 CAD per year.
- Additional card annual fee: $75 CAD per authorized user card.
- Interest rate on regular purchases: 21.99% per year.
- Interest rate on cash advances: 22.99% per year.
- Foreign transaction fee (FX Fee): 2.50% on purchases outside Canadian currency.
In fact, you can permanently waive the $139 CAD annual fee. To do so, simply open a TD All-Inclusive Banking Plan checking account.
This TD account provides a full annual fee rebate on selected credit cards as long as you keep the package active and meet the bank’s minimum balance requirements.
Is the TD Aeroplan Visa Infinite Worth It?
If you fly with Air Canada at least once a year, the simple answer is: yes, it is very much worth it.
The savings on the first checked bag for you and your family already cover the $139 CAD annual fee.
Furthermore, earning points at gas stations and supermarkets guarantees a solid amount of miles every month without extra effort.
On the other hand, you might never travel with Air Canada. Or you might specifically look for complimentary lounge access. In those cases, higher-tier cards or those focused on traditional cashback might make more sense.
Analyze your monthly budget, run the numbers, and take advantage of welcome offers to start planning your next vacation spending much less.
If your priority is earning points on daily dining out instead of saving on airport baggage fees.
Check out our full review of the American Express Cobalt Canada to see which option fits your wallet best.
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