Do you frequently fly with Air Canada? Looking to earn miles, enjoy free checked bags, and access exclusive travel perks?

The TD Aeroplan Visa Infinite Card is popular among Canadians who love to travel. It lets you earn Aeroplan points and enjoy perks with Air Canada. The card is perfect for those who travel often and want a straight path to earning Aeroplan points.

It’s great for people who often fly with Air Canada or its partners. Families who have lots of luggage and those who love collecting points for flexible use will find it appealing. The card offers strong earning potential and travel benefits that are useful both in Canada and overseas.

This piece will cover the card’s key advantages, how to earn and use points, the costs, insurance details, how to apply, and some practical advice. We’ve used information from TD Bank’s product pages, the Aeroplan program, and Air Canada’s baggage rules.

Key Takeaways

• Earn Aeroplan points on everyday spending and travel purchases.
• Receive the first checked bag free on Air Canada flights for the primary cardholder.
• Visa Infinite status through TD Canada Trust provides travel-focused protections.
• Best suited for frequent Air Canada flyers, families who check luggage, and points collectors.
• Article covers benefits, earning rates, redemption options, fees, insurance, and application steps.

TD® Aeroplan® Visa Infinite Card*

Perfect for frequent Air Canada travelers, this premium card offers exceptional travel rewards and benefits.

Rewards: Earn Aeroplan points on all eligible purchases, with accelerated earnings on Air Canada and Air Canada Vacations transactions.
Annual Fee: $139.
Travel Benefits: Enjoy exclusive Air Canada perks, including priority check-in, early boarding, and preferred pricing on reward flights.
Insurance Coverage: Includes comprehensive travel insurance, covering trip cancellation, interruption, and emergency medical protection.

This card is an excellent choice for those who often fly with Air Canada and want to collect Aeroplan points to redeem for flights and upgrades.

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TD First Class Travel® Visa Infinite Card*

Designed for travel enthusiasts who value flexibility, this card delivers outstanding rewards and travel advantages.

Rewards: Earn TD Rewards Points, with 8 points per $1 spent on travel booked through Expedia for TD, plus additional points on everyday categories.
Annual Fee: $139.
Travel Benefits: Receive a $100 annual travel credit, global airport lounge access, and Visa Infinite concierge services.
Insurance Coverage: Comprehensive protection including trip cancellation, baggage delay, and emergency medical insurance.

This card is ideal for travelers who want freedom in how they book trips and the ability to use points toward any travel purchase — flights, hotels, or vacation packages.

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TD Cash Back Visa Infinite Card*

Built for everyday spenders, this card focuses on convenience, savings, and valuable cashback rewards.

Rewards: Earn 3% cash back on groceries, gas, and recurring bill payments, plus 1% on all other eligible purchases.
Annual Fee: $139.
Welcome Offer: Enjoy up to $600 in value, including 10% cash back on purchases made in the first 3 months (up to $3,500 in total spending).
Insurance Coverage: Includes travel medical, baggage delay, and car rental insurance, offering added protection on every trip.

This card is perfect for Canadians who want to maximize cash back on daily essentials while benefiting from strong insurance coverage and Visa Infinite perks.

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Comparison Overview

Feature	TD® Aeroplan® Visa Infinite*	TD First Class Travel® Visa Infinite*	TD Cash Back Visa Infinite*
Rewards	Aeroplan points	TD Rewards Points	Cash back
Annual Fee	$139	$139	$139
Travel Benefits	Air Canada privileges	$100 travel credit + lounge access	None
Insurance Coverage	Full travel insurance	Comprehensive travel protection	Medical, baggage delay, car rental
Best For	Air Canada flyers	Flexible travel bookers	Everyday spenders earning cash back

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Final Thoughts

• ✈️ Choose the TD® Aeroplan® Visa Infinite Card* if you frequently fly with Air Canada and want to earn miles and access exclusive flight perks.
• 🌍 Go with the TD First Class Travel® Visa Infinite Card* if you prefer travel flexibility, easy booking through Expedia for TD, and valuable lounge and credit benefits.
• 💳 Pick the TD Cash Back Visa Infinite Card* if you want to maximize cash back on groceries, gas, and bills while enjoying built-in travel protection.

Each TD Visa Infinite card offers premium benefits — the right one depends on whether you prioritize cash rewards, travel flexibility, or Air Canada loyalty perks.

TD Aeroplan Visa Infinite Card – Earn Aeroplan points, free checked bag

The TD Aeroplan Visa Infinite card is designed for travel. It lets you earn Aeroplan points when you buy things. You also get a free checked bag on Air Canada flights. This is for the person who has the card and their travel buddies on the same booking. It’s a Visa Infinite card, so it comes with fancy benefits like travel insurance.

Overview of the card

This card gives you points when you buy groceries, gas, and other everyday items. There’s also a welcome offer when you sign up. It has an annual fee. Plus, being a Visa Infinite card, you get cool perks like protection when you buy something and help from a concierge. Aeroplan is Air Canada’s loyalty program, and TD Bank Group offers this card.

Who should consider this card

If you fly with Air Canada a lot and check bags, this card is for you. It helps families and travelers save money. Especially if they book several seats together.

People who like to have options when they use their points will find this card handy. It’s great for those who want travel insurance too. But, if you don’t fly much or don’t mind paying for bags, this card might not be worth it for you.

How this card compares to other Aeroplan cards in Canada

Looking at Aeroplan cards, the TD version is somewhere in the middle. It offers good points and the bag benefit without being too expensive. When you check it against cards from other banks, there are differences in bonuses and how you can earn points.

Other cards might have different perks like access to special airport lounges or bigger bonuses for signing up. They might also have higher fees. The TD card tries to give you good value without costing too much. It has benefits that compete well with other Visa Infinite cards.

Key travel benefits and protections

The TD Aeroplan Visa Infinite Card offers several travel benefits. These make trips with Air Canada easier for those who fly often. It saves time and money through baggage benefits, priority boarding, and travel insurance. It also keeps you covered with card protections.

First checked bag free and how it applies on Air Canada

When the main cardholder pays for their Air Canada ticket with this card, the first checked bag is free. This also covers travel companions on the same booking on Air Canada flights or codeshares. This is great for families or groups flying together.

In Canada, each checked bag usually costs around $30 to $35. On a round trip, you could save from $60 to $70. This helps frequent flyers offset some of the card’s annual fee. When two people are on one booking, they save even more over the year.

However, there are exceptions. For example, corporate or discount tickets might have different rules. Always check when you book. Review Air Canada and Aeroplan’s terms to avoid any surprises.

Priority boarding and airport benefits

With this card, you get priority boarding thanks to Visa Infinite and Aeroplan perks. This means getting on the plane earlier. This is handy for finding space for your carry-on or enjoying a smoother boarding. You often get priority check-in lanes at certain airports too.

At some places, faster security lanes may be available. Although the card doesn’t usually offer free airport lounge access, Aeroplan Elite members and special promos might get you into Maple Leaf Lounges at a discount or for free. Visa Infinite might also help with travel planning or emergencies.

Travel insurance coverages included with the card

The card comes with travel insurance that many Visa Infinite cards have. You get emergency medical insurance, trip cancellation and interruption insurance, plus benefits if your flight or bags are delayed or lost. These coverages have specific limits and terms.

Check TD’s Insurance Benefit Guide for details on coverage, who’s eligible, and what’s not covered. Always use the card to pay for travel plans to qualify. Remember to know the rules for pre-existing conditions and keep all receipts and documents for claims.

To make claims easier, keep track of your booking info, tickets, and reports of lost or delayed items. Knowing what documents you need and the deadlines can help make sure you’re fully covered by the card’s protections.

How to earn Aeroplan points with everyday spending

The TD Aeroplan Visa Infinite Card makes it quick to collect Aeroplan points on what you buy every day. We’ll look into how you can earn more points in different spending categories. Also, we’ll explain the welcome bonus and how to get even more points with bonus partners and special offers.

Points earn rates by category (groceries, gas, travel, dining)

TD has special earn rates for buying from Air Canada and its Aeroplan partners. For instance, you might get more points per dollar when you spend on Air Canada flights. For groceries and gas, you can earn 2 points for every dollar spent, and for other things you buy, you get 1 point per dollar. These rates can change, so it’s a good idea to check the latest offers from TD.

When you buy from Air Canada or Aeroplan partners, you earn the most points. For most other purchases, you get the standard earn rate. But for some things like eating out or traveling, you might earn more points during special promotions.

Let’s do some quick math for a month. If you spend $600 on groceries, you get 1,200 points. Spending $200 on gas gives you another 400 points. And if you buy a $300 Air Canada ticket at a higher earn rate, your points can add up fast.

Welcome bonus and minimum spend requirements

With welcome bonuses, you can get a big number of Aeroplan points if you spend a certain amount in the first few months. The exact bonus and time frame depend on the current promotion, which you can find on TD’s website.

The bonus is usually just for new cardholders. If you’ve had the card before, you might not qualify. It’s important to reach the minimum spending required in time to earn your bonus.

The welcome bonus can help pay off your card’s yearly fee or cover a short flight with Air Canada. Think of this bonus as a head start on collecting points, not just free travel money.

Maximizing points with bonus partner offers

The Aeroplan network includes many partners like Air Canada, hotels, and car rentals. These partners often have deals that let you earn more points.

A good strategy is to use your card for Air Canada flights, sign up for partner deals, shop through the Aeroplan eStore, and look out for TD Offers. Combining promotions can seriously boost your points from a single purchase.

Keep an eye on when promotions start and plan your big buys for these times. Signing up early and mixing partner deals with the card’s usual earn rates will help you get more points quicker than just from regular spending.

Spending Category	Typical Earn Rate	Monthly Example	Points Earned
Air Canada purchases	Up to 3–5 points per $1	$300 airfare	900–1,500
Groceries	2 points per $1	$600 grocery bill	1,200
Gas & fuel	2 points per $1	$200 fuel	400
Dining & restaurants	1–2 points per $1	$150 dining	150–300
Everyday spending (retail, bills)	1 point per $1	$800 general spend	800
Welcome bonus (example)	Large lump sum after spend	Meet $X in first Z days	Varies by promotion
Bonus partners & eStore	Variable multipliers	Timed promotions	Extra 500–5,000+

Redeeming Aeroplan points: options and value

Using Aeroplan points, you can do more than just get one ticket. You can book on Air Canada, use Star Alliance partners, or get upgrades, hotels, and car rentals. Small redemptions are an option too, but flights usually offer better value.

Booking flights on Air Canada and partners

Aeroplan combines dynamic pricing with some fixed values for flights on Air Canada and Star Alliance carriers. To see all options, search on aeroplan.com. Being flexible with your travel dates and airports can help find seats. Also, if your flight is a codeshare, make sure to check with the main airline to get your Air Canada benefits like free checked luggage.

Using points for upgrades, hotels and car rentals

Using points to get a better seat on Air Canada depends on the type of ticket and if seats are available. Upgrading can be uncertain and often doesn’t work with cheaper tickets. Using points for hotels and car rentals works for quick trips but doesn’t give you as much value as using them for longer, premium flights. The Aeroplan store also has merchandise and gift cards, but only choose these if they’re really what you want.

Tips to maximise redemption value

For the highest value, aim for long-distance flights in premium cabins. Adding a stopover is a smart move when Aeroplan lets you, as it can give you more for the same points. Always compare the cash price to what you’d pay in points to see if it’s a good deal. Booking during promotions or less busy times can make your points go further.

Looking at different flight options and using partner airlines can turn even a small number of points into a valuable trip. This strategy is especially good for getting business class seats on Star Alliance flights or for smart upgrades on Air Canada.

Fees, interest rates, and eligibility requirements

Before you apply, understand the costs and qualification criteria. The TD Aeroplan Visa Infinite card has a yearly fee of $139. Sometimes, TD offers promotions that waive this fee for the first year. You’ll also find charged fees for late payments, returned payments, card replacements, and foreign buys.

The annual fee can be balanced out for those flying with Air Canada often. Benefits like the first checked bag for free and a generous welcome offer usually make up for the card’s annual cost. This is especially true for people who travel a bit or a lot.

TD shows a purchase interest rate which is applied if balances aren’t fully paid. Purchase interest rates are generally between 19.99% and 22.99% APR for Visa Infinite cards, based on TD’s terms when you apply. For cash advances, the interest rate is higher and starts adding up right away, plus there are fees attached that depend on how much you take out.

Interest keeps building every day from when you get a cash advance until you’ve paid off what you owe. If you have an ongoing balance, you’ll lose the purchase grace period. Also, special financing deals may change how your interest works, if they’re available.

To be eligible for this card, you need to live in Canada and meet the income requirements. TD often wants a yearly personal income of at least $60,000, or a certain household income for some. Having a strong credit score matters too; TD looks for good to excellent credit scores for applications.

If you work for yourself, be prepared with up-to-date income proof. TD will check your job, income, and credit past during the review. Look at TD’s criteria and have your ID, pay stubs, or tax files ready before you apply to make the process quicker.

Additional perks and partner discounts

The TD Aeroplan Visa Infinite card goes beyond just earning points. It offers extra perks that enhance travel and simplify your trips. Look out for special promotions, app offers, and deals from Aeroplan partners.

Airport lounge access and companion offers

Normally, the mid-tier TD Aeroplan Visa Infinite card doesn’t include lounge access. However, cardholders might get discounted access to Air Canada Maple Leaf Lounges or limited Priority Pass invites through promotions. If you achieve Aeroplan Elite status, you could also enjoy complimentary lounge access.

Every so often, companion offers may pop up. These could be discounts on a second ticket or special fares for companions, available to certain cardholders. Always check the TD app and Aeroplan messages for these offers before you plan your travel.

Retail and travel partner discounts that boost value

Keep an eye out for discounts from Aeroplan’s hotel and car rental partners. These offers could give you reduced rates, more points on stays, or perks like free upgrades.

Shopping through the Aeroplan eStore can give you bonus points at big retailers. Using TD Offers in the app provides additional points or credits on purchases. This boosts the value you get from standard earn rates.

Seasonal promotions and limited-time offers

Throughout the year, TD and Aeroplan offer special deals. These can be better welcome bonuses, increased earn rates, or partner transfer bonuses. These offers can really increase your card’s value temporarily.

To make the most of these deals, sign up for TD and Aeroplan newsletters. Also, turn on push notifications in the TD app. This way, you won’t miss out on combining targeted offers with partner discounts for better rewards.

Step-by-step application process

Applying for the TD Aeroplan card is easy with the right documents ready. We’ll cover what Canadian applicants need, choosing between online or branch application, and the next steps after submission.

Required documents and information for Canadian applicants

Before starting your application, gather necessary documents. You’ll need a government-issued ID like a driver’s licence or passport. TD also asks for income proof, such as pay stubs, a T4, or a Notice of Assessment. While not always needed, your Social Insurance Number can speed up credit checks.

Don’t forget to include your job details, home address, and contact info. If you’re self-employed, include your most recent Notice of Assessment, business reports, or CRA documents to verify your income. Having these documents scanned and ready is especially handy for online applications.

Online vs branch application: pros and cons

Online applications offer convenience. You can quickly upload documents and usually get a fast preliminary decision. It’s perfect for those wanting to finish quickly and from home.

Going to a TD branch means getting personal support. Advisors there can help with card features and special requests like joint applications or requesting a higher credit limit. However, branch visits often take more time than online applications. Also, some deals are only available through the bank’s website.

Remember, online applications might lead to extra verification steps. Getting help at a branch can minimize this hassle but you’ll need an appointment.

What to expect after applying (approval, card delivery)

Many applicants get a conditional approval online immediately. Full approval relies on verifying your income and credit check. Approval times vary, so keep an eye on your email and TD Secure Messages for any updates.

Once you’re approved, your card will arrive by mail in about 7–10 business days, but it can vary. After getting your card, activate it and add it to the TD app. Connect your account to Aeroplan and make a qualifying purchase to begin enjoying benefits and travel insurance.

Card management: online tools and mobile app features

It’s easy to keep your TD Aeroplan Visa Infinite Card in order with online tools and the TD app. You can quickly check your balances, set alerts, and manage travel protections without visiting a branch.

How to track Aeroplan points in the TD app

To link your TD and Aeroplan accounts, just sign into TD online banking or the TD app. Then, head to the rewards or card settings section. After linking, the TD app will display your most recent points from transactions and promotions. These points go straight to your Aeroplan account, showing up in the app as reported to Aeroplan.

Visit aeroplan.com to see your full redemption history and partner activity. The TD app makes it easy to see the Aeroplan points you get from daily buys and check for extra points after promotions.

Setting up account alerts and e-statements

In the TD app or online banking, you can start getting notifications for transactions, payment reminders, and alerts for suspicious activity through push notifications, SMS, or email. These alerts reduce missed payments and help catch fraud quickly.

E-statements come faster and are easier to search. They’re handy for insurance claims and keeping purchase records. By setting up autopay, you can avoid late fees and manage your spending better by picking payment times that suit your budget.

Managing travel benefits and insurance claims online

You can find your card’s benefits guide and insurance policy in TD online banking or the TD app, under card services. It’s good to know your travel coverage, like baggage protection and emergency medical benefits, before you go.

When making insurance claims, collect any card payments, receipts, travel plans, boarding passes, and police reports if needed. Start your claim on TD’s insurance page or call the number in your card guide. Remember to keep all your documents. File your claim as soon as you can and follow its status via the app or phone.

Common limitations and things to watch for

The TD Aeroplan Visa Infinite card has some great benefits. But, you should know about a few limits and things to watch for. This will help you avoid any unexpected surprises when you’re booking trips or shopping outside of Canada.

Blackout dates, seat availability, and reward chart nuances

Aeroplan doesn’t have typical blackout dates. Yet, getting an award seat depends on how many seats airlines have available and their fare classes. It’s harder to find seats on busy routes and during holidays, even though there are no official restrictions.

How many points you need can change based on the flight, the seat class, and the airline. This mix means it’s a good idea to book early. Being flexible with your travel dates can also help you find cheaper award flights.

To better your chances for a good deal, set alerts and use flexible search options. Also, look at flights with partner airlines like Lufthansa or United when Air Canada doesn’t have what you need. This strategy can help you get rewards seats without spending too many points.

Fees that can reduce overall value (foreign transaction fees, late fees)

Several fees might make the card less valuable over time. For example, there’s a fee for buying things outside of Canada with this card. That can raise the costs for people who travel a lot.

If you don’t pay off your card every month, you’ll face late fees and interest. Fees for taking out cash advances can also add up. These extra charges can reduce the benefits you get from Aeroplan points.

To dodge these fees, always pay your balance in full every month. Setting up autopay can help. And, if you travel often, think about getting a card that doesn’t charge extra for international purchases.

When the card might not be the best option

If you don’t often fly with Air Canada, don’t usually check bags, or want guaranteed lounge access, this card might not be right for you. It has limited lounge benefits and charges extra for international spending. Both can be downsides for travelers.

Consider looking at other cards if annual fees bother you or if you spend a lot internationally. American Express Aeroplan cards, CIBC Aeroplan cards, or no-FX travel cards might be more up your alley. Compare their perks and costs to find the best fit for you.

Real user experiences and expert tips

Many Canadian travellers share stories about the first checked bag being free. These stories talk about how this benefit cuts down trip costs. We’ve gathered successes, advice, and feedback here to show you the true worth.

Using the first checked bag free often means real savings. On a round trip from Toronto to Vancouver, avoiding one baggage fee per person can make a big difference for families. When all family members don’t pay the fee, they save a lot.

Business travellers flying within Canada every week also save money regularly. To enjoy these savings, make sure the booking is in the primary cardholder’s name. Also, paying with the right card is crucial. Sometimes, flights shared with other airlines might not offer this perk, so it’s wise to check first.

Common real-world scenarios using the first checked bag free

Looking at examples, we see both wins and misses. A solo journey from Toronto to Calgary saw savings on bag fees. A family of four skipped the cost for several bags on their trip. Some found out too late that flying with partner airlines might mean missing out on this perk.

Strategies from travel experts to maximize Aeroplan redemptions

Experts remind us to stay flexible and look wide. Searching awards outside of Air Canada and combining one-way flights can up value. Getting creative with stopovers and routes can stretch your points further.

Some smart moves include mixing cash with points for better value and keeping an eye on fare sales. Tips also suggest following promotions and knowing the best times to use points. This way, returns on points spent can go a lot further.

Testimonials and common praise/complaints from Canadian cardholders

Cardholders often applaud the clear benefits on baggage and good earn rates on Air Canada buys. Appreciation also goes towards the TD app for keeping track of Aeroplan points and transactions.

However, some express concerns about unclear benefit rules with partner airlines and wish for better lounge access. A common frustration is dynamic pricing for awards, making it hard to predict value.

Use Case	Typical Savings	Common Caveat
Toronto–Vancouver round trip (1 traveller)	$30–$50 saved on checked bag fees	Benefit applies only if cardholder on reservation and fare paid with card
Family travel (4 passengers)	$120–$200 total saved	All travellers must be on same reservation for automatic application
Frequent business trips (domestic)	Recurring monthly savings	Codeshare or partner segments may need verification at check-in
Aeroplan redemptions using points	Higher value when flexible with dates and routing	Dynamic pricing can reduce value; search partners for better options

Blend these real experiences and tips into your own travel plans. Compare these bag fee scenarios with your travel habits. Use these Aeroplan strategies to decide when to pay with cash or points, and when a card suits your lifestyle.

Conclusion

The TD Aeroplan Visa Infinite card is perfect for daily spenders and travelers. It lets you earn Aeroplan points on everyday purchases like groceries and gas. Plus, the first checked bag is free on Air Canada flights. This is great for frequent flyers and families with luggage. Also, Visa Infinite protections bring extra safety during travels.

It’s best for certain folks. If you often fly with Air Canada, go on trips with others, or like using points in various ways, this card is ideal. Canadians see its value, as it offers good benefits without a high yearly fee. People who collect points for daily purchases and a free baggage perk will like what this card offers.

But there are things to think about. Compare the yearly fee with the savings on baggage and any welcome offer. Lounge access isn’t as good as other high-end cards. Be sure to check the insurance and who can get this card. Basically, consider if it matches how you travel, use it with others, and use Aeroplan points.

If the benefits for baggage and earning Aeroplan points suit you, look at the current deals. Compare it with other Aeroplan cards too. Visit TD’s official page and check Aeroplan’s conditions for up-to-date fees and benefits. This will help you choose wisely.

FAQ

What is the TD Aeroplan Visa Infinite Card and who issues it?

The TD Aeroplan Visa Infinite Card is designed for Canadian residents. It helps you earn Aeroplan points and offers a free checked bag on Air Canada flights for the primary cardholder and companions on the same booking. TD Canada Trust issues this Visa Infinite product. It’s perfect for frequent travellers, families who check bags often, and those who love collecting Aeroplan points for flexible rewards.

How does the first checked bag free benefit work?

When you book an Air Canada flight and pay with this card, the first bag checks in free. This perk also applies to people flying with you on the same reservation. It mainly covers flights operated by Air Canada, including some codeshare flights. However, it’s not for all ticket types. Check Air Canada’s baggage policy and the Aeroplan/TD terms for any exceptions.

What are the main travel protections and insurance included with the card?

This card includes Visa Infinite-level travel protections. You get emergency medical insurance, trip cancellation, interruption insurance, and coverage for delayed flights and baggage. It also covers you if your baggage is lost or stolen. The TD Insurance Benefit Guide outlines all amounts, conditions, and exceptions. Make sure to pay for your trip with this card and keep all receipts and documents for claims.

What are the typical earn rates for Aeroplan points with this card?

The earn rates can vary, but you generally get more Aeroplan points on Air Canada purchases and with Aeroplan partners. You also earn points on everyday purchases like groceries, gas, and dining. Check TD’s website for the latest rates. Use your usual spending, like monthly groceries or gas, to calculate how many points you could earn. Then, see how these points help with your travel plans.

Is there a welcome bonus and what are the minimum spend requirements?

TD often has a welcome bonus of Aeroplan points after you spend a certain amount in the first few months. The details, like how much you need to spend and the timeline, change with each promotion. Only new cardholders can get this bonus. Look at TD’s offer page for specifics. This bonus can help cover the annual fee or even get you a short flight.

How can I maximise Aeroplan point earnings with this card?

To earn more points, use this card for Air Canada and partner purchases. Shop through the Aeroplan eStore, and check TD Offers. Look out for promos, and combine partner bonuses if you can. Keep an eye on promotions from Aeroplan, Air Canada, and TD. Use the TD app to get targeted offers and alerts about new deals.

What redemption options are available for Aeroplan points?

You can use Aeroplan points for flights, upgrades, hotels, car rentals, and other rewards. Redeeming points for flights or upgrades in premium cabins usually gives the best value. Use Aeroplan’s website to find available rewards and compare the value of using points versus paying cash.

What is the card’s annual fee and are there other common fees?

The card has an annual fee, which TD can change. Sometimes, promotions reduce or waive this fee for the first year. Other fees might include charges for late payments, returned payments, new card replacements, and foreign transactions. For the latest fee details, see TD’s product page.

What interest rates and cash advance terms should I expect?

TD sets the purchase interest rate (APR) and cash advance rate for this card. Cash advances come with a fee and interest charges start immediately. Avoid interest by paying your full balance each month. Check TD for the latest rates.

Who typically qualifies for the TD Aeroplan Visa Infinite Card?

To qualify, you need to live in Canada and have a strong credit history. Visa Infinite cards usually require a certain personal income and a good credit score. If you’re self-employed, you’ll need income proof like a Notice of Assessment. TD checks income and credit during the application process.

Does the card include airport lounge access or priority boarding?

This card might not offer free Maple Leaf Lounge access as a standard benefit. However, cardholders could get priority boarding or check-in, depending on Visa Infinite perks or special promotions. Higher-tier Aeroplan cards or Aeroplan Elite status usually provide lounge access. Sometimes, you might get lounge discounts or trial passes.

Are there limitations to the baggage benefit on codeshare or partner flights?

Yes, the baggage benefit mainly applies to flights operated by Air Canada. It might not cover flights by partners marketed by Air Canada or others. Air Canada-operated codeshare flights usually qualify, but partner-run flights go by their baggage rules. Always check eligibility when booking, especially for fare class or corporate ticket exceptions.

How do I apply for the card and what documents are required?

You can apply online or at TD branches. You’ll need a government ID, proof of income, employment info, and current address and contact details. Sharing your Social Insurance Number can speed up the credit check. If self-employed, prepare CRA documents or business financials.

What can I expect after I apply—approval timeline and card delivery?

Online applicants might get an instant decision. Full approval could need more documents. If you’re approved, your card arrives by mail within 7–10 business days. Activate it when it arrives, register for the TD app, and link your Aeroplan account to start earning points.

How do I track Aeroplan points earned with the TD card?

The TD app shows points earned from your card transactions. These points go to your Aeroplan account based on TD’s timelines. For a full view of your Aeroplan balance and activity, log in to Aeroplan.com. Keep your receipts for promotions and check transaction rules to ensure correct point posting.

How do I file an insurance claim or manage travel benefits?

Get the TD Insurance Benefit Guide and claim forms via TD online banking or the TD app. Collect needed documents like payment proof, receipts, and itineraries. Submit claims online or call as directed. Keep all your documents until your claim is settled.

What fees can erode the card’s value and how can I avoid them?

Certain fees can lower the card’s value. Avoid these by paying off your balance each month and setting up autopay. Consider using a no-foreign transaction fee card for international spending. Stay on top of due dates and monitor your account in the TD app.

When might the TD Aeroplan Visa Infinite Card not be the best option?

This card might not suit you if you rarely fly Air Canada or don’t need checked luggage benefits. If you want a card with no annual fee or no foreign transaction fees, look elsewhere. Compare this card with other Aeroplan options from American Express, CIBC, or RBC, and other TD Aeroplan cards. This way, you find the best fit for your needs.

Are there seasonal promotions or limited-time offers for cardholders?

Yes, TD and Aeroplan offer periodic promotions. These can include special welcome bonuses, earn-rate boosts, and partner deals. To get these deals, join TD Offers, turn on app notifications, and subscribe to Aeroplan and TD newsletters. This keeps you up to date on offers that can add big value.

What real-world savings can cardholders expect from the first checked bag free?

Savings vary by route and baggage fees. For many trips within Canada, checking a bag each way can cost –0. Families or frequent travellers save a lot as each companion gets the baggage benefit. Weigh these savings against the annual fee to see if the card benefits you over a year.

Where can I find official terms, fees and up-to-date benefit details?

Check TD Canada Trust’s website for the TD Aeroplan Visa Infinite product, Aeroplan.com for program rules, and Air Canada for baggage policies. These sources give you the latest fees, insurance details, and benefit eligibility, including for codeshare or partner flights.