TD · Visa · travel
Aeroplan Visa Infinite Privilege
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Terms read from TD's page on Oct 16, 2026.
Year 1, after fees
estimated value, about $973, based on 1 cents per point
Year 2+, after fees
estimated value, about −$27, based on 1 cents per point
every year after
3 years, after fees
estimated value, about $919, based on 1 cents per point
Break-even
Month 4
⚠ mostly first-year value
Earn rate by category
Points at 1.00¢ each (lowest published value); published range 1¢ to 2¢. Source: Milesopedia points valuations, in effect since September 1, 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | ~−$221 | ~−$421 | ~−$1,062 | Never |
| Couple ($2,555/mo) | ~$840 | ~−$160 | ~$519 | Month 5 |
| Family ($3,350/mo) | ~$973 | ~−$27 | ~$919 | Month 4 |
| Frequent traveller ($3,880/mo) | ~$1,086 | ~$86 | ~$1,257 | Month 4 |
| Big spender ($7,960/mo) | ~$1,752 | ~$752 | ~$3,255 | Month 2 |
Who it suits
- People who spend a lot on groceries and dining, where it earns above its base rate.
Who should skip it
- Light spenders: on a student's $985 a month it doesn't earn back its $599 fee after year 1.
- Anyone keeping one card for years: most of its value on a family's spending comes in year 1.
- Average spenders: it only pays its way from year 2 on a big spender's budget.
- Anyone below the published income minimum ($150,000 personal or $200,000 household).
Fees and rates
- Annual fee
- $599
- Additional card
- $199
- Foreign transaction fee
- Not stated
- Purchase APR
- 21.99%
Rewards
- 2x on Air Canada purchases (assumed half of your flight spending)
- 1.5x on gas, EV charging, groceries, travel, transit and dining
- 1.25x on everything else
Credits, as counted
- NEXUS application fee credit: $100 every 4 years50% used
Eligibility and availability
- Income
- $150,000 personal or $200,000 household
- Provinces
- All (no restriction stated)
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: Aeroplan points at 1.00 cents each: no redemption style chosen, so its lowest published value (it has no cash redemption). Source: Milesopedia points valuations, in effect since September 1, 2026.
- Welcome bonus: 20,000 points on the first purchase, 30,000 after $12,000 in 180 days and 50,000 at the anniversary after $24,000 in 12 months. Your spending meets it in month 1.
- Credits: Each credit counts at the share a typical cardholder uses (listed on the card's page).
- Note: The 50,000 anniversary points are counted in year 1 if your spending reaches $24,000 in 12 months.
Not counted or not confirmed
- Foreign transaction fee isn't on the card page.
Perks, listed but not valued
- Maple Leaf Lounge access in North America
- 6 Visa Airport Companion lounge visits a year
- First checked bags free
- Annual companion pass after $25,000 a year
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's ~−$27.
Scotiabank Gold American ExpressYear 2+ $940
American Express SimplyCash PreferredYear 2+ $936
CIBC Dividend Visa InfiniteYear 2+ $767
Head to head
Frequently asked questions
Is the TD Aeroplan Visa Infinite Privilege worth it?
On a family's spending it's worth ~$973 in year 1 but ~−$27 a year after that: its rewards and credits don't cover the fee once the welcome bonus is gone, unless you spend more in its bonus categories or use more of its credits.
What is the TD Aeroplan Visa Infinite Privilege welcome offer?
20,000 points on the first purchase, 30,000 after $12,000 in 180 days and 50,000 at the anniversary after $24,000 in 12 months.
Does the TD Aeroplan Visa Infinite Privilege charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
What income do you need for the TD Aeroplan Visa Infinite Privilege?
TD publishes a minimum of $150,000 personal income or $200,000 household income. Approval depends on more than income, and we don't estimate approval odds.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 39 other cards on the Canadian card comparison or read how cards are valued.