Earn rates
The Visa Infinite earns at two rates. Air Canada purchases, gas stations, EV charging, and grocery stores earn 1.5x Aeroplan points, up to a combined $80,000 per year in those categories. All other purchases earn 1x. At Air Canada specifically, the card earn stacks on top of the Aeroplan miles you earn from the flight itself, so the card rate is additive to the flight credit.
| Spending category | Earn rate | Points per $100 spent |
|---|---|---|
| Air Canada purchases | 1.5x Aeroplan | 150 pts |
| Gas and EV charging | 1.5x Aeroplan | 150 pts |
| Grocery stores | 1.5x Aeroplan | 150 pts |
| Everything else | 1x Aeroplan | 100 pts |
The 1.5x rate applies to a combined maximum of $80,000 per year across all eligible categories. Spending above that cap earns at the base 1x rate.
Key benefits
The Nexus credit
The $100 Nexus rebate is one of the more practical credits on a mid-tier card. TD reimburses the Nexus fee once per 48-month period per cardholder on the account. The effective annual cost is $25 per year per cardholder, which reduces the net annual fee from $139 to $114 for a primary cardholder holding a Nexus membership.
Nexus is worth having on its own merits for frequent Canada–U.S. travellers: dedicated lanes at major airports like YYZ, YVR, and YUL, plus land border NEXUS lanes and trusted traveller processing at marine ports of entry. The rebate makes it nearly free to maintain alongside this card.
Free checked bag
The free checked bag benefit applies when you book Air Canada flights with the TD Aeroplan Visa Infinite. The primary cardholder and up to eight companions on the same booking each receive one free checked bag on Air Canada–operated flights. On a return trip for two people, the savings are approximately $120 to $180 depending on the route, which on its own approaches the annual fee.
Aeroplan status acceleration
The card earns 1,000 Status Qualifying Credits per $20,000 spent, up to a maximum of 25,000 SQC per year. At the cap, that requires $500,000 in annual card spend. For most cardholders, the contribution is modest but meaningful for members who are within reach of a tier threshold. The Visa Infinite Privilege accelerates status more aggressively at 1,000 SQC per $5,000 spent, making it a more practical tool for status-chasing.
Travel insurance
Coverage types and limits:
- Emergency medical: up to $2,000,000 (21 days; 4 days if age 65+)
- Trip cancellation: up to $1,500 per person
- Trip interruption: up to $5,000 per person
- Flight / trip delay: up to $500 per person (4+ hour delay)
- Baggage delay: up to $1,000 per person (6+ hour delay)
- Lost baggage: up to $1,000 per person
- Rental car collision / damage: up to 48 days
- Common carrier accident: up to $500,000
- Hotel / motel burglary: up to $2,500
- Mobile device: up to $1,000
Coverage limits and eligibility conditions apply. The 4-day medical limit for travellers 65 and older is a significant constraint; supplemental insurance is recommended for that age group on longer trips. Always review the certificate of insurance before travel.
Income requirement
The Visa Infinite requires a personal income of $60,000 or a household income of $100,000. If you do not meet the income threshold, the TD Aeroplan Visa Platinum ($89/yr) is the next tier down, though with a substantially weaker base earn rate on non-bonus spending.
What the earn math looks like
A cardholder spending $2,500 per month, split across typical categories:
| Category | Monthly spend | Rate | Monthly points |
|---|---|---|---|
| Groceries | $600 | 1.5x | 900 pts |
| Gas | $200 | 1.5x | 300 pts |
| All other spending | $1,700 | 1x | 1,700 pts |
| Total | $2,500 | 2,900 pts / mo |
34,800 Aeroplan points per year from everyday spending at this mix. At a conservative 1.5 cents per point, that is approximately $522 in Aeroplan value annually. The $139 annual fee, offset by the Nexus credit amortized over 48 months ($25/yr), leaves a net fee of roughly $114. The earn alone covers the net fee at this spend level.
Who it suits
The Visa Infinite is the right TD Aeroplan card for most Aeroplan members who spend meaningfully on groceries and gas. The 1.5x categories cover two of the highest-volume everyday spend buckets, and the Nexus credit makes the effective fee genuinely competitive for Canada–U.S. travellers.
It is less suited to frequent Air Canada flyers who can benefit from the Visa Infinite Privilege’s broader 1.5x tier (which adds dining, travel, and transit), unlimited lounge access, companion pass, and faster status acceleration. At high Air Canada spend levels or for members actively chasing status, the Privilege’s $460 premium can be justified.
It is also less suitable if you primarily want transferable points rather than Aeroplan specifically, or if you rarely travel to the U.S. and cannot use the Nexus credit.