TD® Aeroplan® Visa Infinite Privilege* vs TD First Class Travel® Visa Infinite* Card: Which one is better?

TD® Aeroplan® Visa Infinite Privilege*

3.2

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

TD First Class Travel® Visa Infinite* Card

3.9

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Rewards Breakdown

Annual Rewards

$593.72

Air Canada Aeroplan

Welcome Bonus

$1,470

Air Canada Aeroplan

Annual Fee

$599

First Year Value

$1,464.72

-$5.28 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$393.49

TD Rewards

Welcome Bonus

$575

TD Rewards

Annual Fee

$139

First Year Value

$968.49

$254.49 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included

Emergency Out of province Medical

$5M/insured up to 31 days

Emergency Medical Over 65

$5M/insured up to 4 days

Trip Cancellation

$2.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$1,000/person after 4 hours

Baggage Delay

$1K/person after 4 hours

Lost or Stolen Baggage

$2.5K/person

Travel Accident

$500,000

Car Rental Damage & Theft

Up to 48 consecutive rental days

Hotel Burglary Insurance

$2500

Purchase Protection

120 days

Extended Warranty

2 years

Mobile Device Insurance

$1,500

Insurance Included

Emergency Out of province Medical

$5M/insured up to 31 days

Emergency Medical Over 65

$5M/insured up to 4 days

Trip Cancellation

$2.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$1,000/person after 4 hours

Baggage Delay

$1K/person after 4 hours

Lost or Stolen Baggage

$2.5K/person

Travel Accident

$500,000

Car Rental Damage & Theft

Up to 48 consecutive rental days

Hotel Burglary Insurance

$2500

Purchase Protection

120 days

Extended Warranty

2 years

Mobile Device Insurance

$1,500

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Golf Benefit

Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S

Extra points

Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

Extra points

Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Car Rental Discount

10% off base rate of Avis Rent A Car and Budget Rent A Car

Extra points

Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade

Free first checked bag

First checked bag is free for primary cardholder on WestJet flight and up to 8 guests

Nexus Application

$100 every 4 years

Status lift

Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchases

Trip and legal Assistance

Status lift

Complimentary upgrade to Avis® President's Club

Status lift

Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.

Status lift

Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.

Status lift

Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond.

Airport Benefits

At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.

Airport Benefits

Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)

Airport Lounge - Dragon Pass

6 Free complimentary visits

Airport Lounge - Maple Leaf and AirCanada Cafes

Unlimited Access for you and one guest

Companion Voucher

Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Extra Benefits

Visa Infinite Exclusive Benefits

Concierge Services

Golf Benefit

Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S

Extra points

Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores

Extra points

Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore

Car Rental Discount

10% off base rate of Avis Rent A Car and Budget Rent A Car

Extra points

Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade

Annual Birthday Bonus

Earn a Birthday Bonus of up to 10,000 TD Rewards Points

Travel Credit

Get an annual TD Travel Credit of $100 when you book at Expedia For TD

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$599

Annual Fee

$139

First Year Waived

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Welcome Bonus

20,000 points after approval. 50,000 points after spending over $7,500 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card.

Welcome Bonus

Earn up to $1,000 in value, including up to 135,000 TD Rewards Points and no Annual Fee for the first year. Conditions Apply. Account must be approved by January 6, 2025.

Rewards Rate

2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
1.25 Point on everything else

Rewards Rate

8x points per $1 spent on travel booked online through Expedia for TD
6x points per $1 spent on eligible grocery and restaurant purchases
4x points per $1 spent on eligible recurring bill payments
2x points per $1 spent on all other eligible purchases

Loyalty Program

Air Canada Aeroplan

Loyalty Program

TD Rewards

Point Redemption Options

Most Optimal

Travel

0.825¢ / point

Gift Cards

0.74¢ / point

Transfer to Airline Partners

2.1¢ / point

Point Redemption Options

Travel

0.825¢ / point

Gift Cards

0.74¢ / point

Most Optimal

Travel via Expedia

0.5¢ / point

Education

0.4¢ / point

Amazon.ca

0.33¢ / point

Statement Credits

0.25¢ / point

Merchandise

0.225¢ / point

Is this card worth it?

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

Is this card worth it?

The TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.

Pros

Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
High coverage limit on insurance.
Numerous luxury benefits and statuses available for use.

Pros

Generous welcome bonus of up to 135,000 points, which can be worth up to $675 in travel rewards.
Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
First year annual fee rebate, making it free for the first year.
Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.

Cons

The rewards rate on this card is not that high. There are non-Aeroplan cards with much better reward programs, and their points can later be transferred to this card, making them better options if you are looking to gather Aeroplan points.
You lose the flexibility to use other airlines if you want to take advantage of the benefits of this card.
The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.

Cons

High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.