Capital · Credit Cards · TD
One And A Half,
Not Two, On Air Canada.
TD publishes a single 1.5 point rate on this card covering gas, electric vehicle charging, grocery and Air Canada together. There is no separate, higher Air Canada rate at this tier. I carry this card. Every figure here is off TD, read 6 September 2026.
The TD Aeroplan Visa Infinite Card costs $139 a year, rebated in the first year, and $75 for each additional card. It earns 1.5 Aeroplan points per dollar on gas, electric vehicle charging, grocery and purchases made directly with Air Canada, and one point everywhere else. I hold this card. Not advice.
Annual Fee
Rebated in year one. Additional cards $75 each.
One Combined Category
Gas, EV charging, grocery and Air Canada together.
Emergency Medical
First 21 days at 64 and under. Four days at 65 plus.
NEXUS Rebate
Once every 48 months, per eligible cardholder.
What The Card Is
Read off TD on 6 September 2026, in their words before mine.
There Is No Separate Air Canada Rate Here
TD states one rate: “Earn 1.5 points for every $1 spent on eligible Gas, Electric Vehicle Charging, Grocery and direct through Air Canada Purchases”. Air Canada sits inside the same 1.5 bucket as groceries. The Privilege tier earns more on Air Canada. This tier does not.
The First Checked Bag Covers Eight People
TD states the primary cardholder, additional cardholders and travel companions up to eight, travelling on the same reservation, all get a first checked bag free to 23kg, when travel originates on an Air Canada flight. On a family of four that is the fee twice over in one trip.
The Fee Rebate Has A Condition People Miss
TD states you “must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening”. The rebate is not automatic on approval. TD counts $214 of rebate in its own value math, which is the $139 plus one $75 additional card.
Status Credits Accrue On Spend
TD states primary cardholders get 1,000 Status Qualifying Credits for every $20,000 in eligible net purchases, up to 25,000. That is $500,000 of spend to reach the ceiling, which is the honest way to read it.
The Arithmetic On The Fee
What has to be true for $139 to make sense, in the order it hits.
Year One Is Free
The $139 and up to three additional cards are rebated, conditional on activating and making a first purchase inside three months. Year one costs nothing, so the real question is year two.
The Checked Bag Is The Clearest Number On The Card
TD values the baggage benefit at $140 in its own welcome offer math. One return trip with one checked bag clears the fee. Two people on one reservation clears it twice. This is the part that does not depend on how you value a point.
The NEXUS Rebate Is $25 A Year, Not $100
Up to $100 once every 48 months. Amortised that is $25 a year. It is real money and it is not $100 a year, and a page that prints $100 against an annual fee is misleading you.
The Earn Rate Is The Weakest Part
Half a point of uplift on gas, grocery, EV charging and Air Canada. TD publishes no cap on it. Whether that half point clears $139 depends entirely on what you hold an Aeroplan point at, and this page does not assign one, because TD does not publish one.
The Case Against Carrying It
Same standard as every other page here.
The Air Canada Rate Is The Reason People Buy It And It Is Not Special
Buying an Aeroplan co brand for its Air Canada earn and getting the same rate as the grocery store is the single most misread thing about this tier.
TD Does Not Publish The Foreign Currency Fee
The cardholder agreement gives the conversion mechanism and points at a disclosure statement that is not published. On an Aeroplan card, most of whose use is abroad, that is the wrong figure to be missing. See below.
Two Missed Minimums Move The Rate To 26.99 Percent
TD states the purchase rate rises from 21.99 to 26.99 percent if the minimum payment is missed twice within twelve consecutive statement periods. A travel card carrying a balance is already the wrong trade. At 26.99 it is a worse one.
The Income Bar Is Real
TD states $60,000 personal or $100,000 household. This card is not available to everyone who wants the checked bag.
How It Sits In A Stack
Not advice. How this card reads next to the others published here.
It Is A Baggage And Insurance Card That Happens To Earn
Priced against the checked bag benefit and the $2,000,000 medical cover, $139 is defensible. Priced against 1.5 points per dollar, it is not. Decide which one you are buying.
The Privilege Tier Is A Different Argument Entirely
The Privilege is $599 and earns more directly with Air Canada. That page is published here too. The gap between the two tiers is $460 a year, and it buys lounge access and a higher Air Canada rate, not a better card in the abstract.
It Is In My Wallet
One of the nine on the stack page. The checked bag is why it is still there, not the earn rate.
What Could Not Be Confirmed
In circulation, and not on the issuer page. Printed rather than dropped.
The Foreign Currency Conversion Fee
TD’s cardholder agreement for this card states currency is converted “by applying a rate established by VISA plus a fixed percentage as shown in the Disclosure Statement”. That disclosure statement is issued per account and is not published on td.com. The 2.5 percent in wide circulation could not be confirmed for this card on 6 September 2026. TD does publish 2.5 percent for the TD Cash Back Visa Infinite, a different product, and that figure is not carried across.
The Balance Transfer Rate
TD’s agreement states a balance transfer “is treated as a Cash Advance” and takes the cash advance rate absent a promotion, which would be 22.99 percent. TD never prints a balance transfer rate for this card, so 22.99 is published here as a consequence of TD’s own rule rather than as a stated figure.
Any Cap On The 1.5 Point Rate
No annual or per category spend cap appears in TD’s earn rate wording on any page read. TD also never states that the rate is uncapped. Absence of a cap is reported as absence of a statement, not as an issuer promise.
The Rental Car Vehicle Value Cap
TD publishes the 48 consecutive day limit on auto rental collision cover. The vehicle value ceiling, commonly quoted elsewhere at $65,000, does not appear in the portions of TD’s benefit guide that could be read.
All figures read off TD’s own Canadian pages and linked PDFs for the TD Aeroplan Visa Infinite Card on 6 September 2026: annual fee $139 with a first year rebate conditional on activating the card and making a first purchase within the first three months after account opening, additional cardholder fee $75, an earn rate of 1.5 Aeroplan points for every $1 spent on eligible gas, electric vehicle charging, grocery and purchases made directly through Air Canada and one point for every $1 on all other eligible purchases, 1.5 points per eligible $1 at participating Hyatt hotels and resorts plus one World of Hyatt bonus point on the same transaction, annual interest rates of 21.99% on purchases and 22.99% on cash advances rising to 26.99% if the minimum payment is missed twice within twelve consecutive statement periods, a minimum annual personal income of $60,000 or household income of $100,000, a first checked bag free up to 23kg for the primary cardholder, additional cardholders and up to eight travel companions on the same reservation when travel originates on an Air Canada flight, a NEXUS application fee rebate of up to $100 once every 48 months per eligible cardholder, 1,000 Status Qualifying Credits for every $20,000 in eligible net purchases to a maximum of 25,000, travel medical insurance of $2,000,000 per insured person per covered trip for the first 21 days at age 64 and under and the first four days at 65 and older, trip cancellation of $1,500 per insured person and $5,000 per covered trip, trip interruption of $5,000 per insured person and $25,000 per covered trip, flight and trip delay of up to $500 per insured person after four hours, delayed and lost baggage of up to $1,000 per insured person, common carrier travel accident of up to $500,000, auto rental collision and loss damage for up to 48 consecutive days, hotel and motel burglary of up to $2,500 per occurrence, mobile device insurance of up to $1,000, Aeroplan points that do not expire while the primary cardholder is in good standing, and a welcome offer of 10,000 points on first purchase plus 15,000 at $3,000 within 90 days plus a one time anniversary bonus of 25,000 at $12,000 within 12 months. The foreign currency conversion fee, the balance transfer rate, any cap on the 1.5 point rate and the rental car vehicle value ceiling could not be confirmed on td.com and are published above as unconfirmed. No figure on this page comes from a comparison site. Cody Wise holds this card.
The Rest Of The Card Pages
What is actually in the wallet, and the one that is not.
The Whole Card Stack
Nine cards across six issuers, what each one costs and what it is actually for.
The Amex Platinum
The premium card in the wallet, with the $799 fee broken down against its credits.
The Centurion
The card with no application form, and what American Express actually publishes about it.
Common Questions
$139 a year, rebated in the first year if you activate the card and make a first purchase within three months of account opening. Additional cards are $75 each. Read off TD on 6 September 2026.
1.5 Aeroplan points per dollar, the same rate it pays on gas, electric vehicle charging and groceries. TD publishes one combined 1.5 category on this tier, not a separate higher Air Canada rate.
The primary cardholder, additional cardholders and up to eight travel companions on the same reservation each get a first checked bag free, up to 23kg, when the travel originates on an Air Canada flight.
21.99 percent on purchases and 22.99 percent on cash advances. TD states the purchase rate rises to 26.99 percent if the minimum payment is missed twice within twelve consecutive statement periods.
TD states $60,000 in annual personal income or $100,000 in annual household income. No minimum credit limit is published.
A Rate Is Not A Return
Until You Spend There.
Every accelerated rate in Canada is a rate on one category. The only question that matters is whether that category is where your money actually goes.
Not financial advice.