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 |
1 Aeroplan point ≈ 1.5¢ in travel at typical fixed-chart redemptions, and more on premium-cabin partner awards. Actual value varies by route and partner.
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 on the TD Aeroplan Visa Infinite
The TD Aeroplan Visa Infinite scores 76 of 100 on the figures its certificate publishes, joint 22nd of the 59 Canadian cards compared. Emergency medical is capped at $2,000,000 for trips up to 21 days. At 65 the longest covered trip falls from 21 days to 4.
| Emergency medical | $2,000,000 · age 0–64: 21 days; age 65+: 4 days · 90-day stability window |
|---|---|
| Trip cancellation | $1,500 per person · $5,000 per account |
| Trip interruption | $5,000 per person · $25,000 per account |
| Flight or trip delay | $500 per person · after 4 hours |
| Baggage delay | $1,000 per person · after 6 hours |
| Rental car collision or damage | Pays first · rentals to 48 days · vehicles to $65,000 |
You must charge 75% of the trip cost to the card for the coverage to apply. A booking made with points still qualifies. You have 45 days from the incident to report a claim. Dependent children are covered to age 22.
Every figure from the certificate, with its own wording
| Emergency medical | limit: $2,000,000 (per Insured Person per Covered Trip) age 0–64: 21 days; age 65+: 4 days pre existing stability days: 90 days (180 days for Insured Persons 65 years of age or older) |
|---|---|
| Trip cancellation | per person: $1,500 (per Insured Person per Covered Trip) per account: $5,000 (total for all Insured Persons on the same Covered Trip) covered reasons: death of an Insured Person or Travelling Companion, sudden and unexpected sickness or accidental injury of an Insured Person or Travelling Companion (Medical Covered Causes for Cancellation; enumeration truncated at 40 words. Remaining medical causes are death or sickness of an Immediate Family Member and death or hospitalization of the host. Non-medical causes include jury duty, government travel advisory, employment transfer, common carrier delay, natural disaster, quarantine, hijacking and reservist call to service) |
| Trip interruption | per person: $5,000 (per Insured Person per Covered Trip) per account: $25,000 (total for all Insured Persons on the same Covered Trip) |
| Flight or trip delay | per person: $500 (covers meals, accommodation and reasonable additional ground transportation while delayed) trigger hours: 4 hours (measured from the time specified in the itinerary supplied to the Insured Person) |
| Baggage delay | per person: $1,000 (shared with Lost Baggage; $1,000 per Covered Person per Trip for both benefits combined) trigger hours: 6 hours (measured from arrival at the Final Destination; purchases must be made within 96 hours of arrival) |
| Lost, stolen or damaged baggage | per person: $1,000 (per Covered Person per Trip, shared with the Delayed Baggage benefit; the certificate covers Checked Baggage the Common Carrier never locates and does not address stolen or damaged baggage) |
| Travel accident | limit: $500,000 (Accidental Loss of Life; only the single largest benefit amount is payable per accident. A separate $2,000,000 aggregate applies to any one Rental Car Accident) common carrier only: No (Section 5 of the certificate adds Rental Car Accident Coverage alongside common carrier coverage) covers 24h: No (coverage attaches to a Covered Trip on a Common Carrier and to Rental Car use, not to all hours of a trip) |
| Hotel or motel burglary | $2,500 (per occurrence for all Insured Persons; Hotel/Motel must be in Canada or the United States and there must be evidence of forceful entry) |
| Emergency travel assistance | offered: Yes (assistance services only, not an insurance benefit; provided by Global Excel Management Inc.) |
| Rental car collision or damage | is primary: Yes (except for losses waived or assumed by the Rental Agency or their insurer, or where local government insurance legislation states otherwise) vehicle value cap: $65,000 (Manufacturer’s Suggested Retail Price excluding all taxes, at the time and place of loss) max rental days: 48 days (consecutive days; exceeding 48 days voids coverage for the whole rental period) excluded classes: vans, cargo vans or mini cargo vans (other than minivans as described above), trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck, limousines (enumeration truncated at 40 words; the list continues with off-road vehicles, motorcycles, mopeds or motor bikes, trailers, campers, recreational vehicles, vehicles towing or propelling trailers, mini-buses or buses, exotic vehicles, hand-made or low-production vehicles, antique vehicles and Tax-free Cars) territory: Coverage is available except where prohibited by law. (the certificate names no country list; the rental vehicle may be driven across provincial and state boundaries in Canada and the U.S. and between Canada and the U.S.) |
| Purchase protection | days: 90 days (from the date of purchase, anywhere in the world, in excess of other applicable insurance) |
| Extended warranty | years added: 1 year (the lesser of the Manufacturer’s Warranty period or one year; automatic coverage applies to warranties of 5 years or less, and warranties over 5 years must be registered within the first year after purchase) cap: $60,000 (maximum aggregate lifetime benefit per Account Holder across all TD Credit Cards, shared with Purchase Security) |
| Mobile device | limit: $1,000 (reimbursement is the lesser of repair or replacement cost, not exceeding the depreciated value at date of loss less the deductible; depreciation is 2% for each completed month) deductible: $25 (first band of a scale keyed to Total Cost less taxes: $25 up to $200, $50 to $400, $75 to $600, $100 at $600.01 or more) requires full charge: No (at least 75% of the Total Cost charged to the Account, or the balance funded through a Plan with all monthly wireless bill payments charged to the Account) eligible events: lost, stolen or suffers mechanical breakdown or Accidental Damage (one claim in any 12-consecutive-month period and two claims in any 48-consecutive-month period) |
Figures above are from the TD Aeroplan Visa Infinite Benefit Coverages Guide, underwritten by TD Life Insurance Company; TD Home and Auto Insurance Company. Checked against the certificate for 13 coverage types. Terms change without notice; verify with the issuer before relying on any figure.
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.
Good fit if
- You're an Aeroplan member who spends meaningfully on groceries and gas. The 1.5x categories cover two of the highest-volume everyday buckets.
- You hold or plan to get a Nexus membership. The $100 Nexus credit offsets most of the annual fee for Canada–U.S. travellers.
- You fly Air Canada occasionally and want a free checked bag and travel insurance without a premium fee.
If that describes you, apply for the TD Aeroplan Visa Infinite. Not sure yet? Book a free conversation and we will walk through it together.
Less useful if
- You fly Air Canada frequently or chase status. The Visa Infinite Privilege adds a broader 1.5x tier, unlimited lounge access, a companion pass, and faster status acceleration.
- You rarely travel to the U.S. and can't use the Nexus credit. Without it, the effective fee is the full $139.
- You primarily want a transferable currency rather than Aeroplan specifically.
See it in action
A flat bed across the Atlantic on Aeroplan's fixed chart, with no fuel surcharges. The redemption that makes points worth learning.
See the math →