TD Aeroplan® Visa Infinite* Card vs CIBC Aeroplan® Visa Infinite* Card: Which one is better?

TD Aeroplan® Visa Infinite* Card

3.5

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

CIBC Aeroplan® Visa Infinite* Card

3.3

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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

$533.24

Air Canada Aeroplan

Welcome Bonus

$630

Air Canada Aeroplan

Annual Fee

$139

First Year Value

$1,024.24

$394.24 in years after

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

Insurance Included

Emergency Out of province Medical

21 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Baggage Delay

$1,000

Lost or Stolen Baggage

$1,000

Travel Accident

$500,000

Car Rental Damage & Theft

yes

Hotel Burglary Insurance

$2500

Purchase Protection

90 days

Extended Warranty

1 year

Mobile Device Insurance

$1,000

Insurance Included

Emergency Out of province Medical

21 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Baggage Delay

$1,000

Lost or Stolen Baggage

$1,000

Travel Accident

$500,000

Car Rental Damage & Theft

yes

Hotel Burglary Insurance

$2500

Purchase Protection

90 days

Extended Warranty

1 year

Mobile Device Insurance

$1,000

Extra Benefits

Free first checked bag

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

Visa Infinite Exclusive Benefits

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

Car Rental Discount

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

Nexus Application

$100 every 4 years

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

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 guests

Visa Infinite Exclusive Benefits

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

Car Rental Discount

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

Gas Discount

save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations

Discount

Primary cardholders can often book flight rewards for even fewer points

Free Extra Night at Hotels

Extra night free for every 3 hotel nights redeemed with Aeroplan points

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%, for Quebec 21.99%

Balance Transfer:

22.99%

Annual Fee

$139

Annual Fee

$139

First Year Waived

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

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

10,000 Aeroplan points when you make your first purchase, 20,000 Aeroplan points when you spend $5,000 or more during the first 4 monthly statements periods, 10,000 Aeroplan points as an additional anniversary bonus when you have at least $10,000 in net purchases posted on your account during the first 12 monthly statement periods

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

1.5 Aeroplan® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
1 Aeroplan® point per $1 spent on all other purchases

Loyalty Program

Air Canada Aeroplan

Loyalty Program

Air Canada Aeroplan

Point Redemption Options

Transfer to Airline Partners

2.1¢ / point

Most Optimal

Travel

0.825¢ / point

Gift Cards

0.74¢ / point

Point Redemption Options

Most Optimal

Transfer to Airline Partners

2.1¢ / point

Travel

0.825¢ / point

Gift 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?

The CIBC Aeroplan Visa Infinite Card is great for Air Canada travelers who want to rack up Aeroplan points and enjoy perks like free checked bags and preferred pricing on flight redemptions. With solid reward rates in key spending categories like gas, groceries, and Air Canada purchases, this card offers decent returns. Additionally, the first-year annual fee waiver and comprehensive travel insurance make it a solid option for those looking for value without the upfront cost. However, its highest value is for people who frequently travel with Air Canada and make use of Aeroplan rewards, especially for flights.

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

Generous Welcome Bonus: 40,000 Aeroplan points upon meeting the initial spending requirements.
High Reward Rates: Earn up to 1.5 points per $1 spent on gas, groceries, EV charging, and Air Canada purchases.
Air Canada Perks: Free checked bags for you and up to 8 companions when flying Air Canada.
Preferred Pricing on Aeroplan Flights: Get access to better Aeroplan point redemption rates for Air Canada flights.

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

Income Requirements: Requires either a $60,000 personal income or a $100,000 household income to qualify.
Limited Redemption Value: The highest value for points is found when redeeming for Air Canada flights, limiting flexibility if you prefer other types of rewards.