TD Aeroplan® Visa Infinite* Card vs Rogers Red Mastercard®: Which one is better?

TD Aeroplan® Visa Infinite* Card
3.2

Rogers Red Mastercard®
4.4
Finly Rebate
N/A
Finly Rebate
Rewards Breakdown
Annual Rewards
$541.37
Air Canada Aeroplan®
First Year Bonus Value
$840
Air Canada Aeroplan®
Annual Fee
$139
$0
First Year Waived
First Year Value
$1,381.37
$402.37 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$720
First Year Bonus Value
$90
Annual Fee
$0
Finly Rebate
$50Exclusive Offer
First Year Value
$860
$720 in years after
Based on $2,000/mo average spending and assuming you have an eligible Rogers, Fido or Shaw service as the primary or level 1 authorized user. Calculate your rewards.
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Extended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$2500Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500
Insurance Included*
Balance Protection
Minimum payments
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefits
Trip and legal Assistance
Concierge Services
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 purchasesFree first checked bag
First checked bag is free for primary cardholder on Aircanada flights 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 eStoreNexus Program Rebate
$100 every 4 yearsGolf 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*
No Cost roaming
5 days
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Interest Rates*
Purchase:
20.99% - 25.99%2
Cash Advance:
22.99% - 27.99%2
Balance Transfer:
22.99% - 27.99%2
Annual Fee
$139
$0
First Year Waived
Annual Fee*
$0
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*
$60 cash back when you make a mobile wallet purchase within the first 90 days and 6 automatic payments within the first 8 months for your Rogers, Fido or Shaw postpaid service ($90 if redeemed for Rogers, Fido or Shaw purchases)^
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*
- Earn 2% unlimited cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido or Shaw.^
- Otherwise earn 1% unlimited cash back on eligible non-U.S. dollar purchases.^
- Earn 2% unlimited cash back on all eligible purchases made in U.S. dollars.^
- Get 1.5 times more cash back every time you redeem for Rogers, Fido or Shaw purchases.^
- 5 Roam Like Home days at no cost with an eligible Rogers mobile plan every year (up to $80 value).^
Loyalty Program
Loyalty Program*
N/A
Point Redemption Options
Most Optimal
Aeroplan® Flights
2.1¢ / pointCar Rentals
0.9¢ / pointTravel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / point
Point Redemption Options*
Not Applicable
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 is one of our top-ranked options in terms of rewards, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is a higher rate than almost any other card offers, even those with annual fees! If you have a high income of $80K or a household income of $150K, you can apply for the World Elite version of this card, which comes with additional insurance and benefits like a lounge pass.
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
- Voted as the Best Cash Back Card in Canada for Rogers, Fido and Shaw Customers by FinlyWealth.
- There is no annual fee, a notable perk for a card with such high reward multipliers. Most cards with slightly lower reward rates typically have annual fees.
- Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing the value of your earned rewards.
- The roam-like benefit is a benefit unique only to this card.
- It is accepted at nearly all locations as it's a Mastercard.
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
- No real insurance coverage (only balance protection), not even purchase protection or extended warranty which are pretty standard benefits for almost all credit cards.
- Low rewards multiplier if you don't have an eligible Rogers, Shaw, or Fido service.


vs American Express Cobalt® Card


vs Scotiabank Gold American Express® Card


vs Scotiabank Passport® Visa Infinite* Card


vs Rogers Red World Elite® Mastercard®


vs American Express Gold Rewards Card®


vs TD First Class Travel® Visa Infinite* Card


vs BMO CashBack® World Elite® Mastercard®


vs CIBC Aeroplan® Visa Infinite* Card

vs American Express® Aeroplan®* Card


vs American Express Platinum Card®


vs TD Cash Back Visa* Card


vs TD Cash Back Visa Infinite* Card


vs TD Low Rate Visa* Card


vs TD® Aeroplan® Visa Infinite Privilege*


vs TD Platinum Travel Visa* Card


vs TD® Aeroplan® Visa Platinum* Credit Card


vs TD Rewards Visa* Card


vs American Express Cobalt® Card


vs Scotiabank Gold American Express® Card


vs Scotiabank Passport® Visa Infinite* Card


vs Rogers Red World Elite® Mastercard®


vs Simplii Financial™ Cash Back Visa* Card


vs Scotia Momentum® Visa Infinite* Card


vs SimplyCash™ Preferred Card from American Express


vs Tangerine Money-Back Credit Card


vs BMO CashBack® World Elite® Mastercard®


vs CIBC Costco Mastercard


vs Scotia Momentum® Visa* Card


vs SimplyCash® Card from American Express


vs American Express Platinum Card®


vs Neo World Elite® Mastercard®
Legal