TD Aeroplan® Visa Infinite* Card

TD Aeroplan® Visa Infinite* Card

Apply Now
Rogers Red World Elite® Mastercard®

Rogers Red World Elite® Mastercard®

Apply Now

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


TD Aeroplan® Visa Infinite* Card

TD Aeroplan® Visa Infinite* Card

3.5


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Rogers Red World Elite® Mastercard®

Rogers Red World Elite® Mastercard®

4.8


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Finly Rebate

N/A

Rewards Breakdown

Annual Rewards

$541.37

Air Canada Aeroplan®


First Year Bonus

$735

Air Canada Aeroplan®


Annual Fee

$139


First Year Value

$1,137.37

$402.37 in years after

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

Rewards Breakdown

Annual Rewards

$720


First Year Bonus

$0


Annual Fee

$0


First Year Value

$720

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

  • car insurance

    Car Rental Damage & Theft

    yes
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    21 days
  • travel accident medical

    Emergency Medical Over 65

    4 days
  • cancel airplane

    Trip Cancellation

    $1,500
  • pause

    Trip Interruption

    $5,000

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2500
  • hourglass timer

    Flight Delay

    $500

Insurance Included

  • car insurance

    Car Rental Damage & Theft

    $65,000
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • travel accident medical

    Emergency Out of province Medical

    $1M, Up to 10 days
  • travel accident medical

    Emergency Medical Over 65

    $1M, Up to 3 days
  • cancel airplane

    Trip Cancellation

    $1,000/person, $5,000 maximum
  • pause

    Trip Interruption

    $1,000/person, $5,000 maximum

Extra Benefits

  • car rental

    Car Rental Discount

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

    Visa Infinite Exclusive Benefits

  • gavel

    Trip and legal Assistance

  • concierge

    Concierge Services

  • star fall

    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
  • luggage

    Free first checked bag

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

    Extra points

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

    Extra points

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

    Nexus Program Rebate

    $100 every 4 years
  • golf clubs

    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

  • alcohol cheers

    Airport Lounge - Dragon Pass

    Pass only, complimentary visits not included
  • mobile phone wifi

    No Cost roaming

    5 days

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Annual Fee

$139

Annual Fee

$0

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$80,000

Min Household Income:

$150,000

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

N/A

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

  • 3% cash back on all U.S dollar purchases
  • 2% cash back on all regular purchases if you have 1 qualifying Rogers, Fido or Shaw service as the account owner
  • 1.5% cash back on all purchases if you do not have 1 qualifying service

Loyalty Program

Loyalty Program

N/A

Point Redemption Options

  • Most Optimal

    flight plane

    Aeroplan® Flights

    2.1¢ / point
  • car rental

    Car Rentals

    0.9¢ / point
  • travel - plane

    Travel

    0.825¢ / point
  • online shop

    Merchandise

    0.75¢ / point
  • gift card

    Gift 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 the best in Canada, especially if you are a Rogers, Fido, or Shaw customer. With those services, you can effectively get a 3% cashback rate, which is higher than what almost any other card offers, even those with annual fees! Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

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 the Best Cash Back Card in Canada for Rogers, Fido and Shaw customers by FinlyWealth.
  • Voted the Best No Annual Fee Credit Card in Canada by FinlyWealth.
  • There is no annual fee which is a notable benefit for a card with such high rewards. Most cards with slightly lower reward rates typically include yearly fees.
  • Many favorable benefits for travelers.
  • Many benefits, such as trip cancellation insurance, are only available on credit cards with an annual fee. It is rare to see these benefits on a no-annual-fee card!
  • Offers the flexibility to redeem cash towards Rogers, Shaw, or Fido services, potentially increasing your 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

  • Harder to qualify due to the high credit score and income requirements.
  • Out of all possible travel insurances, this card is missing Baggage delay and Hotel Burglary insurance. If these two insurances are essential to someone, this card needs to be paired with another travel card to cover them.

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