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The TD Aeroplan Visa Infinite is a premium travel rewards credit card issued by TD Bank in partnership with Aeroplan, Canada's largest travel rewards program. It's positioned as a premium card—meaning it typically carries an annual fee and targets travelers who value frequent flyer benefits and travel-related perks.
Understanding how this card works, and whether it makes sense for your situation, depends on knowing what premium travel cards offer, how rewards accumulate, and what costs and benefits actually apply to your spending patterns.
Like most Aeroplan-branded cards, the TD Aeroplan Visa Infinite earns points on purchases that convert into Aeroplan miles. The card typically offers:
The real value depends on how you spend and whether you actually use Aeroplan miles. If you never book travel or rarely use airline rewards, earning miles adds no practical benefit—they're just points sitting in an account.
Annual Fee
Premium cards charge annual fees—sometimes in the hundreds of dollars. Whether the fee pays for itself depends on whether you use the card's premium benefits (travel perks, lounge access, concierge services) and whether the rewards you earn exceed the cost.
Your Spending Profile
Aeroplan Redemption Value
Miles are only valuable if you can redeem them for flights you actually want at a reasonable "cost per mile." Aeroplan's award availability and pricing vary seasonally and by route, so the same miles might get you a domestic flight one month and require thousands more for an international route another month.
Competition from Other Cards
Other premium travel cards (including non-Aeroplan options) may offer higher earning rates, lower fees, or different perks that align better with your priorities.
Visa Infinite is a tier above standard Visa cards. Infinite cardholders typically get access to:
These benefits have real value—but only if you use them. A cardholder who never travels, doesn't check baggage, and doesn't need concierge support won't see a financial return on these perks.
Before applying, consider:
| Factor | What to Ask Yourself |
|---|---|
| Annual spend | Will your spending generate enough miles to offset the annual fee? |
| Travel frequency | Do you fly at least a few times yearly, or book hotel stays through Aeroplan partners? |
| Aeroplan loyalty | Are you already an Aeroplan member with existing miles, or would this be new? |
| Redemption behavior | Can you realistically book flights you want, or do award availability and pricing typically frustrate you? |
| Alternative benefits | Do the Visa Infinite perks (lounge access, travel insurance, concierge) match your needs? |
| Card comparison | Have you compared earning rates, fees, and benefits against competing premium cards? |
"High earning rates = automatic value"
Earning 3 miles per dollar on dining sounds appealing—until you realize the miles don't redeem at a favorable rate, or Aeroplan doesn't fly to where you want to go.
"Sign-up bonuses pay for the first year"
A large welcome bonus helps offset year-one fees, but you need to genuinely use those miles. If they expire unused, the bonus offered no real value.
"Premium cards are better than regular cards"
Not universally. A low-fee card with simpler rewards might serve a casual spender better than a premium card with higher fees and perks you don't use.
To determine fit, you'll need to:
The right choice depends entirely on your spending, travel frequency, and whether Aeroplan's redemption options align with your actual travel goals.
