In this article, I’ve covered everything you need to know about the TD Aeroplan Visa Infinite Credit Card in 2019. Let’s get started.
So here’s the thing – TD Bank is the official partner of Aeroplan. With that said, it doesn’t matter who’s the official partner since consumers should only care about how specific cards that benefit them.
TD has three different Aeroplan cards, but the most popular one is the TD Aeroplan Visa Infinite since it’s comparable to some of the best travel credit cards in Canada and has a reasonable annual fee.
Also a good thing to mention here is that Infinite range credit cards are always the premium offerings for any major bank in Canada, so you’ll get the added benefits. (Note – CIBC has Infinite credit cards too!)
Keep reading my TD Aeroplan Visa Infinite review to find out if the card is any good and how it compares to other Aeroplan credit cards.
Benefits Of The TD Aeroplan Visa Infinite
$120 Annual fee – First year free (waived off)
15,000 Aeroplan miles sign up bonus after your first purchase
15,000 additional miles when you charge $1,000 to your card in the first three months of membership
Earn 1.5 Aeroplan miles per $1 spent on grocery, gas, drugstore and aircanada.com purchases
Earn 1 Aeroplan mile per $1 spent on all other purchases
One annual pass to an Air Canada Maple Leaf Lounge when travelling on an Aeroplan reward flight
Comprehensive travel insurance package included
Purchase security and extended warranty protection
Discounts at participating Avis and Budget car rental locations
How Does the Aeroplan Work?
Aeroplan is pretty straightforward, the Aeroplan miles you earn can be used to redeem flights. That being said, the process of redeeming flights can be difficult and annoying at times. To claim your “free” flight, you have two options: fixed mileage and market fare.
Fixed mileage tickets are the most common way to redeem your Aeroplan points since everything is based on a redemption chart.
For example, it’ll take 25,000 points for a roundtrip ticket to anywhere within Canada and the continental U.S. With fixed mileage redemptions, there are only a limited amount of seats available so you might need to be flexible with your travel plans.
How many Aeroplan Miles can I earn in the first year?
So here’s the quick math on the aeroplan miles you can earn in the first year of using this card.
Lets consider the below scenario:
1. Your monthly spend on Gas, Groceries, Drug Stores is $1000
2. Your monthly spend on Everything Else is $500
With a total spending of $1500 every month using the TD Aeroplan Visa Infinite credit card, you’ll be able to accumulate 54000 Aeroplan points.
15,000 Aeroplan Points – Signup bonus and Points Earning
Although the TD Aeroplan Visa Infinite comes packed with benefits, it doesn’t make my list of the best travel credit cards since the signup bonus is “only” 15,000 Aeroplan points.
Don’t get me wrong, 15,000 Aeroplan points are still incredibly valuable, I just prefer a little more of a wow factor when it comes to welcome bonuses. That being said, this card is still one of the best Aeroplan credit cards in Canada.
The earn rate of 1.5 Aeroplan miles per $1 spent on grocery, gas and drugstore purchases is not bad, but people who make frequent purchases on aircanada.com will love this card since you’ll also earn 1.5 Aeroplan points per $1 spent.
TD Aeroplan Visa Infinite Travel Insurance
I won’t go into the details of the travel insurance, but all you really need to know is that it’s a comprehensive package that covers you up to 21 days of travel if you’re under the age of 65. Some other credit cards only offer 15 days of coverage, but there are also some that offer 25 days so the TD Aeroplan Visa Infinite card neither has the best or worst travel insurance.
One thing that really annoys me about this card is how the Air Canada benefits only apply if you’ve booked an Aeroplan reward flight. That means you won’t get your first bag checked free or access to the Air Canada Maple Leaf Lounge when you pay for an Air Canada ticket with cash. That to me seems rather silly and a missed opportunity on TD / Air Canada / Aeroplan’s part.
The annual fee of $120 is reasonable considering the benefits but note that you can get this fee waived if you have an all-inclusive banking plan with TD.
Aeroplan Seat Availability and Fixed Mileage Program
There’s also the market fare program which gives you access to any seat available. Aeroplan promotes this as a positive since the number of points required to make a redemption may be less than the fixed milage option since it’s based on supply and demand. While this is true at times, the majority of the time you’ll end up paying many more miles compared to the fixed mileage program.
If you used the fixed mileage program, your sign up bonus of 15,000 points would be enough for a round-trip, short-haul flight within Canada or the continental U.S.
One of the best routes at this rate is Toronto to Atlanta since it would normally cost you about $500 if you were to pay cash. Alternatively, a one-way ticket from Toronto to Los Angeles would cost you about $300, but it would only require 12,500 Aeroplan miles so there is still some good value.
Don’t forget, some airlines may charge taxes, fees and surcharges which can eat into the value of your Aeroplan redemptions.
How the TD Aeroplan Visa Infinite card compares to others
The TD Aeroplan Visa Infinite’s stiffest competition is likely the American Express Gold Rewards card. Although the Amex Gold Rewards card has an annual fee of $150, you get a sign up bonus of 25,000 American Express Membership Rewards when you charge $1,500 in purchases in the first three months. Those Amex points can be transferred to Aeroplan at a 1:1 ratio so you’re effectively getting 25,000 Aeroplan miles as a welcome bonus.
The Amex card even has a higher earn rate since you’ll get 2 points per $1 spent on grocery, gas, pharmacy, and travel purchases. The only drawback is that American Express isn’t accepted at all retailers.
I also want to point out how the WestJet RBC World Elite Mastercard gives you your first checked bag and additional WestJet benefits regardless if you paid cash or you used your WestJet dollars to book your flight.
My TD Aeroplan Visa Infinite is positive. This might surprise you considering how a few things annoy me with the card, but I need to look at the big picture. People applying for this card are likely looking for simplicity and may not want to deal with converting points or American Express.
There’s also a good chance that they’re existing TD customers who may want a credit card from their bank. This is a Visa card that will earn you Aeroplan points with little effort. That being said, if you’re looking for a better return, read my list of the best travel credit cards now.
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Hey, I’m Sagar from Toronto, Canada.
I am a self-taught, motivated Canadian Personal Finance Blogger who loves writing articles about Savings, Investing, Stocks & ETF reviews, Side Hustles, Frugal Living, Credit Cards and Retirement Planning. Husband. Father. Software Developer. Web Designer. Hiking Enthusiast.