TD Aeroplan Visa Infinite review (2026): the Aeroplan card for most Canadians?

The TD Aeroplan Visa Infinite is consistently one of the most popular travel credit cards in Canada, and for Air Canada flyers with regular everyday spending, the reasons are fairly obvious. It earns a solid rate on groceries, gas, and dining. It comes with a valuable first bag free benefit that more than covers the annual fee for anyone who checks luggage on Air Canada. And the Aeroplan program, despite its complexity, offers genuinely good value for flights when you use it right.

Here is the full picture for 2026.

The basics

• Annual fee: $139
• Earn rate: 1.5 Aeroplan points per $1 at grocery stores, gas stations, and Air Canada purchases; 1 point per $1 everywhere else
• Minimum income: $60,000 personal or $100,000 household
• Network: Visa Infinite
• Key travel benefit: First checked bag free for the primary cardholder and up to eight travel companions on the same Air Canada reservation

The first bag free benefit: where the math starts

Air Canada charges $32 to $38 for the first checked bag in economy class on most domestic and transborder routes. The TD Aeroplan Visa Infinite waives this fee for the primary cardholder and up to eight companions on the same booking, on any Air Canada-operated flight booked through the Air Canada website, app, or call centre.

For a family of four checking bags on a return trip, that is up to $256 in saved fees per round trip. One trip a year with checked bags pays for the $139 annual fee and leaves you ahead by over $100.

For solo travelers who check bags on two or three round trips per year, the math still works clearly. For people who only fly carry-on, this benefit is worth less, though the rest of the card still has to make up the fee difference.

How the Aeroplan points work in practice

At 1.5 points per dollar on groceries and gas, a household spending $600 a month on groceries and $150 on gas earns roughly 13,500 Aeroplan points per month from those categories alone, plus their regular spending at 1 point per dollar. Over a year, a realistic earning rate for a moderate spender is 60,000 to 90,000 points annually.

What those points are worth depends entirely on redemption. Aeroplan points have a fixed floor value on Air Canada flights (approximately 1 to 1.5 cents per point in economy), but the real value is in business class redemptions and partner awards. A business class ticket to Europe that would cost $5,000 to $7,000 in cash might require 80,000 to 95,000 Aeroplan points. At 1.5 cents per point, that represents $1,200 to $1,425 in earned value from a year of spending.

Getting that value requires flexibility on travel dates, advance planning, and some familiarity with Aeroplan's routing rules and partner chart. If you want simple, predictable cashback, Aeroplan is not the right program for you.

Travel insurance benefits

The TD Aeroplan Visa Infinite includes a comprehensive travel insurance suite:

• Emergency travel medical insurance (up to $2 million, trips up to 21 days)
• Trip cancellation insurance (up to $1,500 per person, $5,000 total)
• Trip interruption insurance (up to $5,000 per person, $25,000 total)
• Common carrier travel accident insurance
• Delayed and lost baggage insurance
• Hotel/motel burglary insurance
• Auto rental collision/loss damage waiver

The 21-day emergency medical coverage is slightly shorter than the 25 days Scotiabank offers on comparable cards. If you take trips longer than three weeks, you will need to buy a travel insurance top-up.

Priority services: real or marginal?

The TD Aeroplan Visa Infinite includes Preferred Pricing on Aeroplan redemptions and priority check-in and boarding at Air Canada. The Preferred Pricing benefit lowers the points cost on some Aeroplan redemptions, though the discount varies and is not always dramatic.

Priority check-in is genuinely useful when you check luggage. Priority boarding is a nice-to-have on full flights. For frequent Air Canada travelers, these add meaningful quality-of-life improvements. For occasional flyers, the practical benefit is smaller.

Who this card is for and who it is not

The TD Aeroplan Visa Infinite makes the most sense if you:

• Fly Air Canada at least twice a year with checked luggage
• Have grocery and gas spending that will benefit from 1.5x earning
• Are comfortable with the Aeroplan program and its redemption mechanics
• Want travel insurance coverage without buying a separate policy

It is less suited to people who fly infrequently, never check bags, prefer cashback over points, or want maximum flexibility across multiple airlines rather than being tied to the Air Canada ecosystem.

Frequently asked questions

Does the first bag free benefit apply to Aeroplan points bookings?

The first checked bag fee waiver applies to Air Canada-operated flights regardless of how you paid for the ticket, as long as the booking includes your TD Aeroplan Visa Infinite card number. This includes both revenue tickets and Aeroplan redemptions.

Can Aeroplan points be transferred to hotel programs or other airlines?

Aeroplan has transfer partnerships with a range of Star Alliance partners and some other airlines. Points can be used on partner airlines, though the availability of partner award space varies considerably. Aeroplan does not transfer to hotel loyalty programs; it is a standalone program.

How does the TD Aeroplan Visa Infinite compare to the TD Aeroplan Visa Infinite Privilege?

The Infinite Privilege is the higher-tier version at $599 annual fee. It earns at higher rates (1.5 points on everyday purchases, higher on Air Canada), includes lounge access, and has stronger insurance coverage. The math on the Privilege requires significant Air Canada spending and high overall monthly spend to justify the fee premium over the standard Infinite.

For the majority of Canadians who fly Air Canada a few times a year and want a travel card that earns on everyday spending, the TD Aeroplan Visa Infinite is one of the most sensible choices in the market right now.