TD Aeroplan® Visa Infinite* Card vs PC World Elite Mastercard: Which one is better?

TD Aeroplan® Visa Infinite* Card

3.2

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

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PC World Elite Mastercard

2.3

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RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

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 20,000 points when you get approved.

Rewards Breakdown

Annual Rewards

$541.37

Air Canada Aeroplan®

First Year Bonus Value

$840

Air Canada Aeroplan®

Annual Fee

$139

First Year Waived

First Year Value

$1,381.37

$402.37 in years after

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

Rewards Breakdown

Annual Rewards

$266

PC Financial

First Year Bonus Value

$20

PC Financial

Annual Fee

First Year Value

$286

$266 in years after

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

How to Earn Rewards

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

How to Earn Rewards

45 points per $1 dollar spent at Shoppers Drug Mart® stores
30 points per $1 dollar spent at Atlantic Superstore, Extra Foods, Fortinos, Loblaws, Maxi, Maxi & cie, no frills, Provigo, Real Canadian Superstore, SaveEasy, SuperValu, valu-mart, Your Independent Grocer, Zehrs
20 points per $1 spent in PC travel
19 points per $1 dollar spent at ESSO and Mobil (it's 30 points per liter and the assumption of average gas price of $1.6 was made)
10 points per $1 dollar spent for everything else

Insurance Included

Car Rental Damage & Theft

yes

Extended Warranty

1 year

Purchase Protection

90 days

Emergency Out of province Medical

21 days

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Travel Accident

$500,000

Mobile Device Insurance

$1,000

Hotel Burglary Insurance

$2500

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Insurance Included

Car Rental Damage & Theft

Up to 31 days

Extended Warranty

Doubled up to a year

Purchase Protection

90 days

Emergency Out of province Medical

$1M, Up to 10 days

Extra Benefits

Concierge Services

Car Rental Discount

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

Visa Infinite Exclusive Benefits

Trip and legal Assistance

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

Free first checked bag

First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests

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

Nexus Program Rebate

$100 every 4 years

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 Benefits

Concierge Services

Identity Theft Assistance

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

21.99%

Cash Advance:

22.97%

Annual Fee

$139

First Year Waived

Annual Fee

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$80,000

Min Household Income:

$150,000

Loyalty Program

Air Canada Aeroplan®

Loyalty Program

PC Financial

Point Redemption Options

Most Optimal

Aeroplan® Flights

2.1¢ / point

Car Rentals

0.9¢ / point

Travel

0.825¢ / point

Merchandise

0.75¢ / point

Gift Cards

0.72¢ / point

Point Redemption Options

Groceries

0.1¢ / point

Gas (Esso)

0.1¢ / 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 is a great card to have in your arsenal if you frequently shop at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations, as you will earn significant rewards in these categories. The additional benefits, such as out-of-province medical insurance, car rental damage insurance, and concierge service, are impressive and typically only come with cards that have annual fees; however, you can access these benefits for free with this card. We do not recommend using this as your primary credit card but as a supplement to another primary card, especially because there are no fees. This is because the rewards on purchases outside the mentioned shops are very average, and many other cards offer much more substantial rewards for general use.

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

Out-of-province medical insurance, concierge service, and car rental damage insurance—benefits that are usually included with cards that have fees—are included with this card.
Decent rewards on purchases at Shoppers Drug Mart®, Loblaw's owned chains, and ESSO and Mobil gas stations.

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

Many other high-spend categories don't earn as many rewards. Shopping at any other grocery chains, gas stations, or pharmacies will only give the base reward rate, and restaurant purchases and purchases in other categories don't earn much either.

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