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)
- ≈ $760 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
- First-year net value
- ≈ $515
- Interest rates
- 21.99% purchases · 22.99% cash advances
Direct issuer link — details verified 2026-08-10
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
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 15,000 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.
~$393/year in rewards at this spend − $139 fee = $254/year
The fee pays for itself at this spend — keeping it is defensibleAt this spending mix, the card breaks even around $480/month on the card. 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; they ignore category earn caps and any retention offer the issuer might make if you call. Perks you actually use — insurance, lounge visits — are value on top of this math, so weigh them before cancelling.
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 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 | 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 | ≈ $840 | Jul 11, 2026 – Jul 12, 2026 | Replaced |
Source: issuer card page · Last reviewed 2026-08-10. Details change often — confirm current terms with the issuer before applying.
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