TD · Visa · Aeroplan
Reviewed 2026-07-06 · By The Points Standard editorial team
TD Aeroplan Visa Infinite
The default Aeroplan card for most Canadians. Not a big earner, but the checked-bag benefit and redemption perks make it an easy hold for AC loyalists.
Standard Score breakdown — Strong
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 7.38/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $139 |
| Welcome bonus | Up to 40,000 Aeroplan points (10,000 on first purchase + 15,000 on $3K/90 days + 15,000 anniversary on $12K/12 mo), plus a first-year fee rebate |
| Est. bonus value | ≈ $840 |
| First-year net value | ≈ $880 |
Earn rates
| Gas, groceries, and Air Canada purchases | 1.5x |
| Everything else | 1x |
Why it earns its score
- Free first checked bag on Air Canada for you and up to 8 companions
- Direct Aeroplan earning with Visa acceptance everywhere
- Preferred pricing on Aeroplan redemptions as a cardholder
Where it loses points
- Base earn rates are mediocre next to Amex MR cards
- Value is concentrated in Air Canada flyers — weak as a general rewards card
Who it's for
Air Canada flyers who check bags and redeem through Aeroplan — the checked-bag perk alone can clear the fee.
Who should skip it
You rarely fly Air Canada; a flexible-points card earns Aeroplan indirectly with more options.
Included insurance
Travel medical · Trip cancellation/interruption · Flight/baggage delay · Rental car coverage
Source: issuer card page · Last reviewed 2026-07-06. Details change often — confirm current terms with the issuer before applying.