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TD · creditCA
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Is the TD Aeroplan Visa Infinite worth keeping when the fee hits?
Welcome offer — Up to 40,000 Aeroplan points + first-year annual fee rebate (offer varies) Inferred by source
Apply on TD's siteOfficial issuer page (not an affiliate link yet) · how we earn
Typically needs good credit (670–739) — guideline, not a guarantee · Set your credit profile
Personalize this for you add your cards & memberships and we'll show what it's really worth to you.
What this card delivers across six value dimensions (0–100, normalized).
| 1.5× | Air Canada & Air Canada Vacations Inferred by source |
|---|---|
| 1.5× | Grocery & gas stations Inferred by source |
| 1× | Everything else Inferred by source |
No lounge access.
| free checked bag | First checked bag free for you + up to 8 on the same Air Canada reservation Inferred by source |
|---|
| Trip cancellation | Trip cancellation / interruption insurance Inferred by source |
|---|---|
| Baggage | Delayed/lost baggage insurance Inferred by source |
| Rental car CDW | Auto rental collision/loss damage insurance Inferred by source |
Using TD Aeroplan Visa Infinite at an ATM is a cash advance, not a normal purchase — it costs a fee, starts charging interest the same day (no grace period), and earns no rewards.
| Cash advance fee | 1% of the advance, minimum $3.50 and maximum $10.00 in Canada Inferred by source |
|---|---|
| Cash advance APR | 22.99% on cash advances, interest from day one (no grace period) Inferred by source |
| Foreign ATM | Cash advance plus the 2.5% foreign transaction fee — and the ATM operator may add its own surcharge. |
ATM operator surcharges are set by the machine, not the card. To avoid all of this, use a debit card or cash for ATM withdrawals.
*Realized/net assume full use of non-spend-gated credits — an upper bound. Personalize it
The TD® Aeroplan® Visa Infinite* Card has a CA$139 annual fee.
Using its non-spend-gated credits fully, the TD® Aeroplan® Visa Infinite* Card returns about CA$0 in value against its CA$139 annual fee — a net of −CA$139 per year. It only makes sense if you value its perks beyond the listed credits.
The TD® Aeroplan® Visa Infinite* Card earns 1.5x on air canada & air canada vacations, 1.5x on grocery & gas stations, 1x on everything else.
No — the TD® Aeroplan® Visa Infinite* Card does not include airport lounge access.
Yes — the TD® Aeroplan® Visa Infinite* Card charges a 2.5% foreign transaction fee.
Up to 40,000 Aeroplan points + first-year annual fee rebate (offer varies). Welcome offers change frequently — confirm the current one on the issuer's page before applying.