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In Canada, travel-focused credit cards continue to grow in popularity, especially among consumers who want to turn everyday spending into flights, upgrades, and premium travel experiences. One of the most well-known cards in this category is the TD Aeroplan Visa Infinite Card, a flagship travel credit card built around Aeroplan, Canada’s leading airline loyalty program.
Designed for Canadians who fly regularly with Air Canada or its partners, this card offers a powerful mix of Aeroplan points, travel benefits, and Visa Infinite privileges. In this in-depth guide, you’ll learn how the TD Aeroplan Visa Infinite Card works, its main advantages, who it’s best for, and how it compares to other cards, including a Santander alternative and, most importantly, the TD First Class Travel Card.
TD Aeroplan
What Is the TD Aeroplan Visa Infinite Card?
The TD Aeroplan Visa Infinite Card is a premium travel rewards credit card issued by TD Canada Trust. It allows cardholders to earn Aeroplan points on everyday purchases and redeem them for flights, seat upgrades, hotel stays, car rentals, and other travel-related rewards.
Aeroplan is deeply integrated into the Canadian travel ecosystem, particularly through Air Canada and Star Alliance partners. This makes the card especially attractive to Canadians who frequently fly domestically or internationally using Air Canada.
Unlike cash back cards that offer flexible but generic rewards, the TD Aeroplan Visa Infinite is purpose-built for travelers who want to maximize the value of airline loyalty.
How the Aeroplan Rewards Program Works
Aeroplan points are earned whenever you make eligible purchases with your TD Aeroplan Visa Infinite Card. These points accumulate in your Aeroplan account and can be redeemed for a wide range of travel rewards.
Aeroplan points are most commonly used for:
Flights with Air Canada and partner airlines
Seat upgrades and preferred seating
Hotel bookings and car rentals
Travel-related experiences and merchandise
One of Aeroplan’s biggest strengths in Canada is its extensive airline network. Because it is part of the Star Alliance, Canadians can redeem points with dozens of international carriers, offering excellent flexibility for global travel.
The value of Aeroplan points depends on how they are redeemed. Canadians who use points strategically for flights often receive significantly higher value compared to redeeming for merchandise or non-travel rewards.
Key Advantages of the TD Aeroplan Visa Infinite Card
One of the biggest benefits of this card is its strong earning potential for Aeroplan points. Cardholders typically earn points on everyday spending, with enhanced earning rates in key categories such as groceries, gas, and travel-related purchases.
Another major advantage is the suite of travel perks that come with the card. These benefits are designed to reduce the cost and stress of travel for Canadians, particularly those who fly several times per year.
Common benefits include priority travel features, travel insurance coverage, and additional Aeroplan privileges that enhance the overall travel experience.
Welcome Bonus and First-Year Value
The TD Aeroplan Visa Infinite Card is well known for its competitive welcome offers. New cardholders often receive a large Aeroplan points bonus after meeting a minimum spending requirement within the first few months.
For Canadians planning upcoming trips, this welcome bonus alone can be enough to cover a round-trip flight or significantly reduce travel costs.
In many cases, TD also offers a first-year annual fee rebate, allowing Canadians to experience the card’s benefits without paying the annual fee upfront. This makes the first year particularly valuable for new cardholders.
Fees, Income Requirements, and Eligibility
As a Visa Infinite card, the TD Aeroplan Visa Infinite has a standard annual fee, reflecting its premium travel benefits and rewards structure. This fee may be waived in the first year as part of promotional offers.
Applicants must meet Visa Infinite income requirements, which typically include a minimum personal income of $60,000 or a household income of $100,000. These thresholds ensure the card is targeted toward financially established Canadians.
Interest rates on purchases and cash advances are in line with other premium credit cards in Canada. To maximize value, most cardholders aim to pay balances in full each month and use the card primarily as a payment and rewards tool.
Travel Insurance and Visa Infinite Benefits
One of the strongest features of the TD Aeroplan Visa Infinite Card is its comprehensive travel insurance package. This adds significant value, especially for Canadians who travel multiple times per year.
Typical insurance coverage includes:
Emergency travel medical insurance
Trip cancellation and interruption insurance
Flight delay and baggage insurance
Rental car collision and damage coverage
These protections can save Canadians hundreds of dollars per trip by reducing the need to purchase separate insurance policies.
In addition, Visa Infinite cardholders benefit from premium services such as concierge access and exclusive travel and lifestyle offers.
Why This Card Appeals to Canadian Travelers
Canada is a geographically large country, and air travel is often essential rather than optional. Whether flying between provinces or traveling internationally, many Canadians rely on Air Canada and its partners.
The TD Aeroplan Visa Infinite Card is designed around this reality. By earning Aeroplan points on everyday spending, Canadians can offset the high cost of airfare and enjoy more frequent travel without increasing their budget.
For professionals, frequent flyers, and families who travel at least a few times per year, this card fits naturally into a Canadian lifestyle.
TD Aeroplan Visa Infinite vs TD First Class Travel Card
While both cards are premium TD travel products, they serve different types of travelers.
The TD First Class Travel Card earns TD Rewards points, which are redeemed primarily through TD’s own travel booking platform. These points are flexible and easy to use, making the card attractive to Canadians who want simplicity and predictable redemption values.
The TD Aeroplan Visa Infinite Card, on the other hand, is more specialized. Aeroplan points can offer significantly higher value when redeemed for flights, especially on long-haul or international routes. However, this requires more planning and familiarity with the Aeroplan program.
In summary, the TD First Class Travel Card is ideal for Canadians who want easy, fixed-value travel rewards. The TD Aeroplan Visa Infinite is better suited for travelers who are loyal to Air Canada and want to extract maximum value from airline rewards.
TD First Class
Comparison with a Santander Credit Card
Santander is not a major player in the Canadian credit card market, and its travel credit card offerings are limited for Canadian residents. While Santander cards may offer travel rewards in other regions, they lack the deep integration with Canadian airlines and loyalty programs.
Compared to a Santander card, the TD Aeroplan Visa Infinite Card offers far greater relevance for Canadians. Aeroplan is a domestic loyalty program with strong airline partnerships, Canadian-focused benefits, and widespread acceptance.
For Canadians who live, earn, and travel from Canada, the TD Aeroplan Visa Infinite delivers significantly more practical value than a generic international travel card.
Who Should Consider the TD Aeroplan Visa Infinite Card?
This card is best suited for Canadians who:
Fly with Air Canada or Star Alliance airlines regularly
Want to earn airline-specific rewards rather than cash back
Value travel insurance and premium travel perks
Meet Visa Infinite income requirements
Enjoy maximizing rewards through strategic redemptions
It is particularly appealing to frequent travelers, business professionals, and couples who plan multiple trips per year.
How to Maximize Aeroplan Points as a Canadian
To get the most out of the TD Aeroplan Visa Infinite Card, Canadians should focus on using the card for everyday spending categories that earn higher points.
Redeeming points for flights typically provides the best value. Planning trips in advance, being flexible with dates, and understanding Aeroplan’s award pricing can significantly increase the return on points.
Combining Aeroplan points earned from flying with points earned through credit card spending can accelerate rewards and unlock premium travel experiences.
Long-Term Value and Annual Fee Considerations
While the card carries an annual fee, many Canadians find that the value of Aeroplan points, travel insurance, and travel perks outweighs the cost, especially if they travel at least once or twice per year.
TD customers may also benefit from banking packages that include annual fee rebates on select credit cards, further improving long-term value.
Over time, the TD Aeroplan Visa Infinite Card can become a core part of a Canadian traveler’s financial and travel strategy.
Final Thoughts for Canadians
The TD Aeroplan Visa Infinite Card is a powerful travel credit card designed specifically for Canadians who want to turn everyday spending into meaningful travel rewards. With strong Aeroplan earning potential, comprehensive insurance coverage, and deep integration with Air Canada, it stands out as one of the top airline-focused cards in Canada.
While it may not be the best choice for those seeking simple cash back or fixed-value rewards, it excels for travelers who understand and appreciate airline loyalty programs. When compared to the TD First Class Travel Card, it offers higher potential value at the cost of added complexity.
For Canadians who travel often and want to make the most of Aeroplan, the TD Aeroplan Visa Infinite Card remains a compelling and rewarding choice in the Canadian credit card market.
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