TD Aeroplan Visa Infinite Review 2026: Perks, Fee Math & Bonus
· By WalletFit Editorial Team
The TD Aeroplan Visa Infinite Card is arguably Canada's most popular co-branded airline credit card. Positioned as the flagship mid-tier travel card for Air Canada flyers, it combines solid point multiplier rates with valuable airport perks.
In this review, we break down the card's welcome bonus value, checked bag math, travel insurance coverage, and annual fee justification to help you determine if it belongs in your wallet.
Air Canada charges $35 to $40 CAD for the first checked bag on economy fares. The TD Aeroplan Visa Infinite gives a free 1st checked bag to the primary cardholder and up to 8 traveling companions on the same reservation—saving a family of four over $280 roundtrip on a single vacation!
TD Aeroplan Visa Infinite Card Overview
| Card Attribute | Details & Figures |
|---|---|
| Annual Fee | $139 (Often waived for the first year during promotional periods) |
| Supplementary Card Fee | $75 per authorized user |
| Income Requirement | $60,000 personal or $100,000 household annual income |
| Earn Rate (Air Canada, Gas, Groceries) | 1.5 Aeroplan Points per $1 spent |
| Earn Rate (Base Purchases) | 1.0 Aeroplan Point per $1 spent |
| NEXUS Application Fee Rebate | Up to $100 CAD statement credit every 48 months |
Core Perks & Air Canada Benefits
1. Free First Checked Bag on Air Canada
This is the card's killer feature. Any time you book an Air Canada flight (cash or Aeroplan award ticket), your first checked bag is free. Better yet, this benefit extends to up to 8 companions traveling on your booking itinerary. If you take just two Air Canada roundtrips a year with a partner, this perk alone yields $280 in pure savings, completely wiping out the $139 annual fee.
2. Preferred Award Pricing
Holding a co-branded TD Aeroplan credit card unlocks preferred pricing on Aeroplan award flights booked through Air Canada (see our guide on how many Aeroplan points for a flight in 2026). Cardholders often see flight award costs reduced by 5% to 15% compared to non-cardholders.
3. NEXUS Fee Rebate
Charge your NEXUS application or renewal fee ($50 USD / ~$100 CAD) to the card and receive a full statement credit. Re-applies every 4 years.
4. Automatic Points Expiration Immunity
As a primary cardholder, your Aeroplan points will never expire as long as your TD Aeroplan account remains open, completely bypassing the standard 18-month inactivity rule. Learn more in our comprehensive breakdown: Do Aeroplan Points Expire? (And 3 Ways to Keep Them Active).
Pairing Strategy: TD Aeroplan + AMEX Cobalt
While the TD Aeroplan card earns 1.5x points on groceries and gas, it is outpaced on grocery spend by the AMEX Cobalt Card (which earns 5x MR points, transferable 1:1 to Aeroplan).
Use the AMEX Cobalt at 5x grocery and dining merchants to accumulate Aeroplan points at maximum speed, and keep the TD Aeroplan Visa Infinite in your wallet to secure free checked bags, NEXUS rebates, and backup acceptance at Visa-only merchants.
Verdict: Should You Get the Card?
If you fly Air Canada at least once per year, the TD Aeroplan Visa Infinite is a no-brainer. The checked bag savings and NEXUS rebates easily exceed the annual fee. Check out our Best Travel Credit Cards Canada Guide or calculate your custom yield using the WalletFit Calculator.
Frequently Asked Questions
Is the TD Aeroplan Visa Infinite worth the annual fee?
Yes, if you fly Air Canada at least once a year, the free first checked bag for up to 8 passengers on the same booking often covers the $139 annual fee in a single trip.
What are the main benefits of the TD Aeroplan Visa Infinite?
The card offers Air Canada travel perks like a free checked bag, comprehensive travel insurance, and strong Aeroplan earning rates on gas, groceries, and Air Canada purchases.
Does the TD Aeroplan Visa Infinite have a foreign transaction fee?
Yes, the TD Aeroplan Visa Infinite charges a standard 2.5% foreign transaction fee on non-Canadian dollar purchases, so it's not ideal for spending abroad.
How can WalletFit optimize my Aeroplan rewards?
WalletFit analyzes your spending categories to tell you exactly when to use your TD Aeroplan Visa Infinite versus other cards in your wallet to maximize your Aeroplan point accumulation.
Maximize Your Rewards with WalletFit
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