What the TD Aeroplan Visa Infinite card is and who should consider it

The TD Aeroplan Visa Infinite is a premium credit card issued by TD Bank that earns Aeroplan points on purchases. You earn points on most spending, can redeem them for flights and other travel rewards through Aeroplan, and get travel benefits like airport lounge access and travel insurance included with the card. The card carries an annual fee, so it makes sense mainly if you travel regularly or spend enough to offset that cost through the rewards you earn.

This card is different from standard cash-back cards because your rewards are locked into the Aeroplan program rather than redeemable as statement credits. That means you need to value Aeroplan redemptions specifically — flights, seat upgrades, hotel stays booked through their partners — to make the card worthwhile. If you rarely fly or prefer flexibility in how you use rewards, a different card may suit you better.

Key Takeaways

  • The TD Aeroplan Visa Infinite charges an annual fee that you pay whether or not you use the card that year.
  • You earn Aeroplan points on most purchases, but the earning rate and redemption value depend on which specific Aeroplan card you hold and how you spend.
  • The card includes travel perks like airport lounge access, travel insurance, and emergency medical coverage when you travel.
  • Points never expire as long as your account remains open and you earn or redeem at least one point every 24 months.
  • You redeem points through the Aeroplan website or app for flights, seat upgrades, hotel stays, and other travel services.

Annual fee and what it covers

TD charges an annual fee to hold this card. The exact amount varies depending on which version of the Aeroplan Visa Infinite you have — TD offers several tiers. You pay this fee once per year, usually on your card anniversary, whether you use the card or not. Some cardholders receive a credit toward the fee in their first year, but you should confirm the current offer with TD before explore.

The fee covers access to the card's travel benefits package, which includes airport lounge access (usually through Priority Pass or a similar network), travel insurance that covers trip cancellation and baggage delays, and emergency medical coverage when you travel outside Canada. These benefits have real value if you travel several times per year, but if you rarely fly, the fee may not pay for itself.

How you earn points on purchases

You earn Aeroplan points when you use the card to pay for almost anything — groceries, gas, restaurants, online shopping. The earning rate depends on the category of purchase and which specific Aeroplan card you hold. Some cards earn a higher rate on travel and dining, while others earn a flat rate across all purchases. Check your cardholder agreement or TD's website to see the exact earning structure for your card.

Certain purchases do not earn points: balance transfers, cash advances, gambling, and payments to other credit cards typically earn zero points. Some merchants may also be excluded. When you make a purchase, the points post to your Aeroplan account within a few business days, and you can see your balance anytime through the Aeroplan website or mobile app.

Redeeming points for flights and other rewards

You redeem Aeroplan points through the Aeroplan program, not directly through TD. Log into your Aeroplan account online or use their mobile app, search for the flight or reward you want, and complete the redemption. Points required for a flight vary based on the route, the airline partner, the time of year, and how far in advance you book. A short domestic flight might cost 12,500 points, while an international flight could cost 50,000 or more.

Beyond flights, you can redeem points for seat upgrades on partner airlines, hotel stays through Aeroplan's hotel partners, car rentals, and travel packages. You can also transfer points to airline frequent-flyer programs if you prefer to book through a specific airline's loyalty program instead. The redemption value of your points depends entirely on what you choose to book — the same 25,000 points might be worth a $200 flight one day and a $150 flight another day, depending on availability and demand.

How points expiration works

Aeroplan points do not expire as long as your account stays active and you earn or redeem at least one point within any 24-month period. This means you do not have to rush to use your points, but you also cannot let your account sit completely dormant for two years. If your account becomes inactive, Aeroplan may close it and you will lose your points.

Keeping your account active is straightforward: use your TD Aeroplan card at least once every two years, or log into your Aeroplan account and perform any action (even just checking your balance counts). If you close your TD card, your Aeroplan account itself remains separate, so you can still redeem points even after the card is gone — as long as you keep the account active.

Travel insurance and other cardholder benefits

The TD Aeroplan Visa Infinite includes travel insurance that covers trip cancellation, trip interruption, baggage delay, and lost baggage when you book your travel with the card or use points to book through Aeroplan. The coverage limits and conditions vary, so read your benefits guide carefully before you travel. Some policies require you to book within a certain timeframe or have a minimum trip cost to be covered.

The card also includes emergency medical coverage when you travel outside Canada, which pays for unexpected medical expenses up to a set limit. Airport lounge access is another standard benefit — you typically get complimentary entry to lounges in Canada and select international airports through a partner network. Some cards also include concierge services, rental car insurance, and other travel protections. Review your specific cardholder benefits guide to see exactly what is included with your card.

Comparing the TD Aeroplan Visa Infinite to other travel cards

Other premium travel cards from Canadian banks offer similar benefits but with different earning structures and fees. Some cards earn cash back instead of points, which gives you more flexibility in how you use your rewards. Others charge a lower annual fee but offer fewer travel perks. The right choice depends on whether you value Aeroplan redemptions specifically, how much you travel, and how much you spend annually on the card.

If you travel frequently with Air Canada or its partners, the Aeroplan card makes sense because you can redeem points directly for flights. If you fly with multiple airlines or prefer the flexibility of cash back, a different card may be better. Calculate roughly how many points you would earn in a year based on your spending, then check what those points are worth in Aeroplan redemptions. If the redemption value exceeds the annual fee plus the value you could get from a cash-back card, the Aeroplan card is worth it.

Frequently Asked Questions

Can I use my points if I close the TD card?

Yes. Your Aeroplan account is separate from your TD card, so closing the card does not affect your points balance. You can continue to redeem points through Aeroplan as long as your account remains active (earning or redeeming at least once every 24 months). You straightforward will not earn new points after the card is closed.

What happens if I miss a payment on the TD Aeroplan card?

Missing a payment works the same way as with any credit card: you will be charged interest on the unpaid balance, your credit score may be affected, and the card issuer may charge a late fee. Missing payments does not directly affect your Aeroplan points, but it can damage your credit and make it harder to get credit in the future.

Do I earn points on the annual fee itself?

No. The annual fee does not earn points. Only purchases you make with the card earn Aeroplan points. Some cards offer a points credit as part of a promotional offer in the first year, but the fee itself never generates points.

Can I transfer my Aeroplan points to someone else?

Aeroplan allows you to transfer points to another Aeroplan member, but there are limits and conditions. You can transfer points to a family member or friend, though Aeroplan may charge a fee for the transfer. Check the Aeroplan website for current transfer policies and any restrictions that explore.

What if I want to downgrade to a no-fee TD card instead?

You can contact TD and ask to downgrade your card to a standard TD Visa or another no-fee product. Your existing Aeroplan points remain in your Aeroplan account and do not disappear when you downgrade. You straightforward stop earning new points once the card is changed, and you lose access to the travel benefits that came with the premium card.