TD Aeroplan Visa Infinite Review 2026 — Account, Fees & Rates
Our Verdict
TD Aeroplan Visa Infinite scores 7.8/10 in our documentary evaluation.
We evaluated TD Aeroplan Visa Infinite in the carte_credit category on 8 weighted criteria, based on its public interface, its displayed pricing conditions and publicly available information.
Fee Comparison Table
Check the official website for up-to-date pricing.
Detailed Scores
| Criterion | Score | Weight | Comment |
|---|---|---|---|
| Deposit insurance & regulatory compliance | 8/10 | 5 % | Comprehensive travel insurance coverage (Visa Infinite): – Travel medical insurance (21 days per trip, $500,000/person) – Trip cancellation/interruption ($1,500 per person, $6,000 total) – Delayed/lost baggage insurance ($1,000 for 6h+ delay, $2,500 for loss) – Travel accident insurance ($500,000) – Rental car insurance (collision/loss). Note: lower medical coverage in days (21 days) vs Scotia Passport (25 days). TD Bank is a CDIC member (federal). Compliant with FCAC and the Bank Act. Visa Zero Liability on unauthorized transactions. Unique advantage: cancellation insurance covers Air Canada tickets purchased with Aeroplan points (rare – most cards only cover card purchases). |
| Mobile & web app experience | 8/10 | 10 % | TD app (iOS and Android). iOS App Store rating: ~4.3/5 (230,000+ reviews). Google Play rating: ~4.1/5. Well-rated banking app in Canada. Card features: Aeroplan balance tracking, transaction history, lock/unlock, contactless payments. Air Canada integration: flight status tracking, check-in from the TD app. Separate Aeroplan app (rated 4.4/5 on iOS) for full points management, redemptions and status. Bilingual FR/EN interface. Clear dashboard of card benefits. Overall experience very positive – TD is among the best-rated banks for its mobile app according to J.D. Power 2024. |
| Complementary products & services | 8/10 | 30 % | First free checked bag on Air Canada (+1 person on the same ticket): savings of $35 per bag each way – ~$140 round trip for 2 passengers. Priority boarding on Air Canada flights (Prestige 50K equivalent status). Air Canada Café access (Air Canada lounges in Montreal, Toronto, Vancouver) – limits vs Scotia's Visa Companion Programme (1,300+ lounges). 6 free Maple Leaf Lounge visits with the card. Aeroplan points usable with 44 Star Alliance partners + hotels/cars. Annual checked baggage credit: up to $100 reimbursable. Access to Air Canada Presale offers (tickets before the general public). FX conversion fee = 2.5% (weak point for travelers outside Canada). Aeroplan partnerships: Starbucks, Amazon Canada, LCBO, Shoppers Drug Mart. |
| Security & fraud protection | 8/10 | 15 % | EMV chip and contactless NFC technology (Paywave). 3D Secure (Verified by Visa) on online purchases. Visa Zero Liability: full protection on unauthorized transactions. Instant lock/unlock in the TD app. Real-time transaction alerts (push + email). Biometric authentication (fingerprint, Face ID) in the TD app. 24/7 monitoring of suspicious transactions by TD. Advanced fraud detection program (machine learning). PCI DSS compliance. No major security incident recently. Additional Aeroplan protection: program account separate from bank account (compromise of one account does not affect the other). |
| Customer support | 7/10 | 5 % | TD customer service: 1-888-TD-CARDS (1-888-832-2737), 24/7. Bilingual FR/EN across Canada. TD branches in the province of Quebec. Dedicated Visa Infinite support for premium cardholders. Visa Infinite concierge service available 24/7. Separate Aeroplan support (program independent from TD). Dispute handling. Reddit reviews generally positive on TD card support. Visa International emergency assistance available in 200+ countries. |
| Pricing & fees | 7/10 | 15 % | Annual fees: $139 CAD/year (primary cardholder) + $75/year (additional card). Welcome bonus (2025-2026): up to 50,000 Aeroplan pts + no annual fee in the first year – very competitive offer. Value of 50,000 pts: ~$700-1,000 in travel via Aeroplan rewards. FX conversion fee: 2.5% (Canadian standard – weak point vs Scotia Passport). Earn rate: 1.5 pts/$1 on groceries, gas and Air Canada Direct purchases; 1 pt/$1 on other purchases. Minimum income: $60,000/year (individual) or $100,000 (household). Interest rate: 20.99% APR on balance – Canadian standard. Free first checked bag on Air Canada (savings of $35/bag). |
| Interest rate & yield | 8/10 | 10 % | Aeroplan program – one of the best travel loyalty programs in Canada. 1.5 pts/$1 on groceries, gas, Air Canada Direct; 1 pt/$1 on others. Value of an Aeroplan point: ~1.5-2 cents on Air Canada/Star Alliance tickets (via optimal redemptions), 1 cent for standard redemption. Effective travel return rate: ~2-3% on bonus categories, ~1.5% others at a value of 1.5 cents/pt. Transfer to Star Alliance: 44 airline partners (Lufthansa, United, Singapore, etc.) – superior flexibility to Scene+. Ability to transfer from Marriott Bonvoy (2,500 Marriott = 1,000 Aeroplan). No expiry date on Aeroplan points if activity within 18 months. Priority access to Aeroplan seats on Air Canada (wider availability). |
| Transparency & governance | 8/10 | 10 % | Fees, interest rates and conditions clearly published on td.com/fr. Aeroplan program: earn, redemption and transfer rules available on aeroplan.com in French – one of the best-documented programs in Canada. Travel insurance conditions in PDF on td.com (very detailed). Compliant FCAC pre-contractual disclosure. Insurance restrictions (pre-existing conditions, age limit) documented. Transparent TD card comparison table (clear distinctions between card levels). Quebec Law 25 compliance. Welcome bonus conditions clearly stated (minimum spend in the first 3 months). No hidden fees detected – strong reputation in this regard. |
Strengths
- Solid features
- Reliable performance
Weaknesses
- Can be expensive for some profiles
Who Is It For?
- Credit card users
- Advanced users
Not Ideal For…
- Users with a limited budget
How this review was conducted
This review is a documentary assessment. It is based on TD Aeroplan Visa Infinite's public interface, its published pricing and publicly available information, as recorded on 2026-06-03. No field test was carried out: no subscription, no purchase and no exchange with customer support took place. Pricing and terms change: check them on TD Aeroplan Visa Infinite's own site before you decide.
This review is a documentary evaluation of TD Aeroplan Visa Infinite covering 8 criteria, based on the public interface and displayed conditions. No actual purchase or subscription was made as part of this evaluation.
Depending on the institution, this product falls under federal regulation (OSFI) or under that of Quebec's Autorité des marchés financiers (AMF). See our AMF disclosure page for more information.
Pricing information is indicative — verify current terms on the provider's website before subscribing. Affiliate disclosure.
