TD Aeroplan® Visa Infinite* Card vs American Express® Aeroplan®* Card: Which one is better?
TD Aeroplan® Visa Infinite* Card
3.5
RECOMMENDED CREDIT SCORE
American Express® Aeroplan®* Card
3.3
RECOMMENDED CREDIT SCORE*
Rewards Breakdown
Annual Rewards
$533.24
Air Canada Aeroplan
Welcome Bonus
$735
Air Canada Aeroplan
Annual Fee
$139
First Year Value
$1,129.24
$394.24 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$506.17
Air Canada Aeroplan
Welcome Bonus
$630
Air Canada Aeroplan
Annual Fee
$120
First Year Value
$1,016.17
$386.17 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Flight Delay
$500
Baggage Delay
$1,000
Travel Accident
$500,000.svg)
Car Rental Damage & Theft
yes
Hotel Burglary Insurance
$2500
Purchase Protection
90 days
Extended Warranty
1 year
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000
Lost or Stolen Baggage
$1,000
Mobile Device Insurance
$1,000
Insurance Included*
Flight Delay
$500Baggage Delay
$1,000Travel Accident
$500,000Car Rental Damage & Theft
yesHotel Burglary Insurance
$2500Purchase Protection
90 daysExtended Warranty
1 year
Extra Benefits
Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guests
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStore.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases
Nexus Application
$100 every 4 years
Visa Infinite Exclusive Benefits
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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
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Trip and legal Assistance
Extra Benefits*
Free first checked bag
First checked bag is free for primary cardholder on WestJet flight and up to 8 guestsExtra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesExtra points
Earn points twice at over 150 Aeroplan partner brands and over 170 online retailers through the Aeroplan eStoreStatus lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases
Free Extra Night at Hotels
Receive an extra night free for every 3 hotel nights redeemed with Aeroplan points
American Express Experiences
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Interest Rates*
Purchase:
30% Annual2
Cash Advance:
30% Annual2
Annual Fee
$139
Annual Fee*
$120
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required*
Min Personal Income:
N/A
Min Household Income:
N/A
Welcome Bonus
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Earn 15,000 Aeroplan points when you spend $7,500 within 180 days of Account opening. Plus, earn a one-time anniversary bonus of 15,000 Aeroplan points when you spend $12,000 within 12 months of Account opening.
Welcome Bonus*
Earn 30,000 Aeroplan points after spending $3,000 on your Card within the first 3 months. Additional 20,000 Aeroplan points when you spend $1,000 in month 13.
Rewards Rate
- 1.5x Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 120,000 points annually)
- 1x Aeroplan point per $1 spent on all other eligible purchases
Rewards Rate*
- 2 points on Aircanada and AirCanada Vacations
- 1.5 points on Dining
- 1 Point on everything else
Loyalty Program
Loyalty Program*
Point Redemption Options
Transfer to Airline Partners
2.1¢ / pointMost Optimal
Travel
0.825¢ / point
Gift Cards
0.74¢ / point
Point Redemption Options*
Most Optimal
Transfer to Airline Partners
2.1¢ / pointTravel
0.825¢ / pointGift Cards
0.74¢ / point
Is this card worth it?
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee waiver, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Is this card worth it?
This card comes with the free checked bag benefit, which can save hundreds on a single trip for you and your family, more than making up for the annual fee of the card. In addition, the card helps you reach the next Aeroplan Status faster with spending on the card. However, if you don't have a specific use for these two benefits, there are many better cards in terms of benefits and rewards.
Pros
- Earn up to 40,000 Aeroplan points (welcome bonus offer ends January 6, 2025).
- 1.5 points per $1 on gas, groceries, and Air Canada purchases.
- Free checked bags and Preferred Pricing on Air Canada rewards flights.
- Extensive insurance coverage with 12 types of insurance.
Pros
- Free checked bag benefit: Every checked bag might cost you $60 - $100 per person on a round trip. The amount you can save in a year if you travel a few times or travel with a few companions can easily be much higher than the annual fee of the card.If you are interested in a higher Aeroplan Status, the card helps you get there faster.
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.
Cons
- The main reward category is only for Air Canada purchases. Unless you are a frequent Air Canada traveler, this reward category is not useful to most people.
- The only other rewards category offered is for food, and it doesn't offer that high of a reward rate either.
- In terms of insurance benefits, the types and coverage amounts provided are lower compared to other cards with a similar annual fee.
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