TD Aeroplan Visa Infinite Card Review
If the Amex Cobalt is the card most Vancouver travellers should get first, the TD Aeroplan Visa Infinite is almost always the second. Where the Cobalt earns fast on groceries and dining, the TD card earns Aeroplan points directly with no transfer step, and layers on a set of Air Canada specific perks that genuinely change the experience of flying out of YVR.
Here is the full breakdown, with the welcome bonus and perks front and centre since that is where most of this card's real value sits.
The Welcome Bonus: Up to 40,000 Aeroplan Points
The current offer, effective since June 1, 2026, is structured in three stages rather than a single lump sum:
StageRequirementPoints earned
1. Make your first purchase on the card 10,000 points
2. Spend $3,000 within 90 days of account opening1 5,000 points
3. Spend $12,000 total within 12 months of account opening (anniversary bonus) 15,000 points Total 40,000 points
Alongside the points, TD is also currently offering a full annual fee rebate for the first year, meaning you get the card's benefits without paying the $139 fee in year one. To qualify for the rebate you need to activate the card and make your first purchase within 3 months of opening the account.
Combined, TD lists the total value of this offer at up to $1,350, factoring in both the points and the fee waiver. One thing worth flagging: offer structures can vary slightly by province, so Quebec residents in particular should double check the exact spend thresholds shown at application, as they have occasionally differed from the rest-of-Canada offer.
Is 40,000 points realistic to hit? The first tier requires no effort at all. The second, $3,000 in 90 days, is $1,000 per month and achievable for most households on regular spending. The third and largest chunk, $12,000 in 12 months, works out to $1,000 per month sustained for a full year, which most cardholders using this as their primary Air Canada and gas/grocery card will hit naturally.
At an estimated 2 cents per Aeroplan point, 40,000 points alone are worth roughly $800 in travel value, on top of the fee waiver.
Everyday Earn Rates
Once the welcome bonus is behind you, the ongoing earning is straightforward:
1.5 Aeroplan points per $1 on eligible gas, electric vehicle charging, groceries, and purchases made directly through Air Canada (including Air Canada Vacations)
1 Aeroplan point per $1 on everything else
This is a simpler structure than the Cobalt's category-based earning, and it earns Aeroplan points directly with no transfer step required, unlike Amex Membership Rewards points which need to be moved over. The earning rates are not incredible but the perks that come + the bonus make up for it.
The Perks That Actually Matter
This is where the TD Aeroplan Visa Infinite earns its keep for Vancouver travellers who actually fly Air Canada.
Free first checked bag, for you and up to 8 travel companions
Every person on the same reservation gets their first checked bag free when flying Air Canada. For a couple flying return internationally, that could save hundreds of dollars just on one trip.
NEXUS fee rebate, up to $100 CAD every 48 months
Given NEXUS now costs $120 USD, this rebate covers the large majority of the fee. Combined with the time savings NEXUS delivers at YVR customs and US airport security, this is a genuinely useful recurring perk.
Double-dip points at Aeroplan's everyday partners
Pay with this card and provide your Aeroplan number at the same time at over 150 Aeroplan partner brands, or at 200+ online retailers through the Aeroplan eStore, and you earn points twice on the same purchase, once from the card and once from the partner. This stacks on top of the base earn rate for free.
A 50% Starbucks bonus
Link your card to your Starbucks Rewards account and earn 50% more Aeroplan points and 50% more Stars on every Starbucks purchase. A small perk, but a genuinely free one if you already buy coffee there.
Comprehensive travel insurance
The TD Aeroplan Visa Infinite carries one of the more comprehensive insurance packages among Aeroplan cards, spanning 13 categories including trip cancellation, trip interruption, flight and baggage delay, and emergency medical coverage. This is meaningfully broader than some competing Aeroplan cards, including the American Express Aeroplan Card, which covers fewer categories.
A faster path to Aeroplan Elite Status
Every $10,000 charged to the card earns 1,000 Status Qualifying Miles and one Status Qualifying Segment, with up to 200,000 unused Status Qualifying Miles rolling over to the following year. For cardholders who put significant spend through this card, that is a real assist toward Aeroplan status without needing to fly as much to get there.
Aeroplan Preferred Pricing
Cardholders get access to preferred pricing on select Aeroplan flight redemptions, which can reduce the points cost compared to standard pricing on the same booking.
Avis and Budget car rental discounts
A smaller perk, but a real one for anyone renting cars on trips.
Points that never expire while you hold the card
As long as you remain the primary cardholder, your Aeroplan points balance does not expire, removing the need to manufacture spending purely to keep points alive.
What This Card Does Not Include
Being upfront here matters. The regular TD Aeroplan Visa Infinite does not include airport lounge access. That benefit is reserved for the pricier TD Aeroplan Visa Infinite Privilege at $599 per year. If lounge access is a priority, this is not the card that delivers it, though everything else on this list still applies at a fraction of the cost.
The card also carries a minimum income requirement, standard for Visa Infinite tier products, so it is worth checking eligibility before applying. As of writing it is $60,000
The Bottom Line
The welcome bonus alone, up to 40,000 Aeroplan points plus a first-year fee waiver, puts you well on the way toward a meaningful Aeroplan redemption before you have even factored in ongoing spending. Layer on free checked bags for the whole family, a NEXUS rebate, double-dip earning at hundreds of partners, and genuinely strong travel insurance, and the $139 annual fee becomes easy to justify for anyone who flies Air Canada even occasionally from YVR.
Paired with the Amex Cobalt, this is the second half of the two-card combination most Vancouver travellers should be building toward: the Cobalt earning fast on groceries and dining, the TD card earning directly on gas, groceries, and Air Canada spend while adding the perks that make actually flying more pleasant.
If you are ready to apply, the link below has the current offer.
This post contains affiliate links. If you apply for a credit card through our links we may earn a commission at no additional cost to you. We only recommend cards we genuinely believe are good for travellers.
