TD Aeroplan Visa Infinite
The default Aeroplan card for most Canadians. Not a big earner, but the checked-bag benefit and redemption perks make it an easy hold for AC loyalists.
- Annual fee
- $139 (Rebated in the first year (current offer))
- Welcome bonus value (full offer)
- ≈ $950 Up to 50,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 25,000 anniversary on $12K/12 mo), plus a first-year fee rebate
- First-year net value
- ≈ $515
- Interest rates
- 21.99% purchases · 22.99% cash advances
Direct issuer link · details verified Oct 4, 2026
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Standard Score breakdown
StrongSix weighted components, each rated 0–10. “Contributes” is the rating × weight: add all six and you get a raw 6.93/10, published as 6.9/10.
Evidence behind each input
The facts are structured; the rating remains an editorial judgment. Open any component to audit what was considered without mistaking the evidence for an automatic formula.
First-year value6.5/10
The published first-year net value maps directly to the executable anchor ladder.
- $515 first-year net value maps to a 6.5/10 baseline.
- Published first-year input: 6.5/10, matching the baseline.
- The largest structured year-one offer threshold is $3,000 of spend.
- The offer includes value that lands after year one and is excluded from first-year net value.
Ongoing value6.0/10
This input judges recurring earn and cash-like credits after the annual fee; the welcome offer and non-cash perks are excluded.
- $139 annual fee.
- Fee condition: Rebated in the first year (current offer)
- Published earn: 1.5x: Gas, groceries, and Air Canada purchases; 1x: Everything else.
- No cap is stated in the structured earn rows.
Flexibility6.0/10
This input judges how easily Aeroplan can become useful value without forcing one narrow redemption path.
- Reward currency: Aeroplan.
- Flexibility evidence: Preferred pricing on Aeroplan redemptions as a cardholder
Perk usability8.5/10
This input credits non-cash benefits at realistic use, separate from cash-like credits already counted in ongoing value.
- No airport lounge access.
- 4 published insurance benefits: Travel medical; Trip cancellation/interruption; Flight/baggage delay.
- Other published benefit: Free first checked bag on Air Canada for you and up to 8 companions
Low friction8.5/10
This input combines network acceptance, caps, conditions, eligibility, and operational effort; a higher rating means less friction.
- Visa acceptance; 2.5% foreign-transaction fee.
- Eligibility: $60,000 personal-income minimum; $100,000 household-income alternative.
Strategic fit7.5/10
This input asks whether the card fills a distinct role in a small wallet rather than duplicating another card; redemption quality is not counted again here.
- Ranking roles: aeroplan, travel.
- Fit case: Air Canada flyers who check bags and redeem through Aeroplan; the checked-bag perk alone can clear the fee.
- Main conflict: You rarely fly Air Canada; a flexible-points card earns Aeroplan indirectly with more options.
See how the Standard Score works or re-weight it to your priorities.
Earn rates
| Category | Rate |
|---|---|
| Gas, groceries, and Air Canada purchases | 1.5x |
| Everything else | 1x |
Included insurance
Travel medical · Trip cancellation/interruption · Flight/baggage delay · Rental car coverage
02 / The case
What it does well, and what it costs you
Both sides of the ledger. A card that suits one wallet can be the wrong call in another, so the drawbacks are named as plainly as the benefits.
Why it earns its score
- Free first checked bag on Air Canada for you and up to 8 companions
- Direct Aeroplan earning with Visa acceptance everywhere
- Preferred pricing on Aeroplan redemptions as a cardholder
Where it loses points
- Base earn rates are mediocre next to Amex MR cards
- The final 25,000 points arrive after the first anniversary, when the $139 renewal fee is due
- Value is concentrated in Air Canada flyers; weak as a general rewards card
Who it’s for
Air Canada flyers who check bags and redeem through Aeroplan; the checked-bag perk alone can clear the fee.
Who should skip it
You rarely fly Air Canada; a flexible-points card earns Aeroplan indirectly with more options.
The bottom line
Standard Score 6.9/10 · Strong. We estimate ≈ $515 in first-year net value after the $139 fee.
Direct issuer link · no commission shapes this review
Rewards math assumes you pay your balance in full every month — interest charges quickly exceed any rewards value.
Renewal math
Should you keep this card?
The welcome offer only lands once, and the waived first-year fee bills for real at renewal, so the keep-or-cancel question is whether the $139 fee still pays for itself on earn alone. Enter your monthly spend to see the recurring math.
Count credits, certificates, bags or lounge visits only at what they replaced for you, not brochure value.
~$393/year in rewards at this spend − $139 fee + $0 personally used recurring benefits = $254/year ongoing
Recurring rewards and benefits clear the fee; keeping it is defensibleAt this spending mix, the card breaks even around $480/month on the card after your recurring benefit value. Below that, the fee stops earning its keep.
Estimates price your spend at the card’s published earn rates and our Points Standard Index valuations; structured category caps are applied. Benefits and retention offers enter the math only through your inputs above. Eligibility, downgrade paths, credit-score effects, tax consequences, and benefit-certificate restrictions are not assessed; confirm options with the issuer before changing the account.
Welcome-offer history
We’ve tracked this card’s welcome offer since Jul 11, 2026 and log every change, so you can judge whether today’s offer is genuinely strong or just loudly advertised.
| Offer | Est. value | Recorded | Status |
|---|---|---|---|
| Up to 50,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 25,000 anniversary on $12K/12 mo), plus a first-year fee rebate | ≈ $950 | Sep 13, 2026 | Current |
| Up to 40,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 15,000 anniversary on $12K/12 mo), plus a first-year fee rebate | ≈ $760 | Jul 12, 2026 – Sep 13, 2026 | Replaced |
| Up to 40,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 15,000 anniversary on $12K/12 mo), plus a first-year fee rebate | ≈ $840 | Jul 11, 2026 – Jul 12, 2026 | Replaced |
Source: issuer card page · Last reviewed Oct 4, 2026. Details change often: confirm current terms with the issuer before applying.
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