TD Aeroplan® Visa Infinite* Card

Tangerine Money-Back Credit Card

APPLY NOW

TD Aeroplan® Visa Infinite* Card vs Tangerine Money-Back Credit Card: Which one is better?

TD Aeroplan® Visa Infinite* Card

3.2

Apply Now More Details

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

Tangerine Money-Back Credit Card

Apply Now More Details

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*

In the first 2 months, get a bonus 10% cash back up to $100. During your first 30 days, transfer balances up to your credit limit and pay an interest rate of only 1.95% on the transferred balance for 6 months (22.95% after that). A Balance Transfer fee of 1% on the amount transferred will apply.11

Our Cash Offer

N/A

Our Cash Offer

$50 $120 Cash Rebate offer from FinlyWealth

Promotional rebate expires on Jul 31, 2025

View Offer

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

$278.6

First Year Bonus Value

$100

Annual Fee

Finly Rebate

$50

$120

Exclusive Offer

First Year Value

$498.6

$278.6 in years after

Based on a hypothetical $2,000/mo average spending and assuming you have a Tangerine Savings account. 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*

2% on the choice of two categories chosen from the 10 offered by Tangerine (Grocery, Restaurants, Gas, Entertainment, Furniture, Hotel-Motel, Drug Store, Reoccurring Bill Payments, Home Improvement, Public Transportation and Parking).
Have your cash back Reward deposited in a Tangerine Savings Account and get a third 2% Money-Back Category.
0.5% cashback on all other credit card purchases.

Insurance Included

Extended Warranty

1 year

Purchase Protection

90 days

Lost or Stolen Baggage

$1,000

Baggage Delay

$1,000

Car Rental Damage & Theft

yes

Travel Accident

$500,000

Mobile Device Insurance

$1,000

Hotel Burglary Insurance

$2500

Emergency Out of province Medical

21 days

Emergency Medical Over 65

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Insurance Included*

Extended Warranty

Up to a year

Purchase Protection

90 days

Extra Benefits

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

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 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*

N/A

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates*

Purchase:

20.95%²

Cash Advance:

22.95%²

Balance Transfer:

22.95%²

Annual Fee

$139

$0$

First Year Waived

Annual Fee*

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Loyalty Program

Air Canada Aeroplan®

Loyalty Program*

N/A

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*

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?

While we think Tangerine isn't the best single credit card to own, it's still a valuable card to have in your arsenal for maximizing your rewards. It offers one of the highest cashback rates for pharmacy and recurring bill payments, areas where your other credit cards might not provide significant rewards. This card only requires a Fair credit score, making it an excellent choice for people who don't have a high credit score yet.

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

Allows you to change the categories, and you get a 2% reward depending on how your spending is changing every 90 days.
2% cashback on recurring Transactions and pharmacy purchases. One of the highest cashback rates on these categories among credit cards in Canada.
Has cashback on Furniture and Home Improvement categories. Two categories that are not covered by any other card in Canada.
Easy credit score requirements needed for this card.
Overall, it is a good no-annual-fee cashback credit card, especially if you have a Tangerine Savings account.

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

Insurance coverage is the most basic.
Very low cashback rate on the other categories not selected.

Other Comparisons

vs TD Rewards Visa* Card

vs TD® Aeroplan® Visa Platinum* Credit Card

vs TD Platinum Travel Visa* Card

vs TD® Aeroplan® Visa Infinite Privilege*

vs TD Low Rate Visa* Card

vs TD Cash Back Visa Infinite* Card

vs TD Cash Back Visa* Card

vs American Express Platinum Card®

vs American Express® Aeroplan®* Card

vs CIBC Aeroplan® Visa Infinite* Card

vs BMO CashBack® World Elite® Mastercard®

vs TD First Class Travel® Visa Infinite* Card

vs American Express Gold Rewards Card®

vs Rogers World Elite® Mastercard®

vs Scotiabank Passport® Visa Infinite* Card

vs Scotiabank Gold American Express® Card

vs Rogers Red Mastercard®

vs American Express Cobalt® Card

Other Comparisons

vs Tangerine World Mastercard

vs SimplyCash® Card from American Express

vs American Express® Aeroplan®* Card

vs Scotia Momentum® Visa* Card

vs CIBC Costco Mastercard

vs BMO CashBack® World Elite® Mastercard®

vs Amazon.ca Rewards Mastercard®

vs SimplyCash™ Preferred Card from American Express

vs Scotia Momentum® Visa Infinite* Card

vs Simplii Financial™ Cash Back Visa* Card

vs Rogers World Elite® Mastercard®

vs Scotiabank Passport® Visa Infinite* Card

vs Rogers Red Mastercard®

vs American Express Cobalt® Card

Legal

^*11 Balance Transfer Promotional Offer at 1.95% for 6 months (1% Balance Transfer Fee) A Promotional Rate of 1.95% will apply to any and all Balance Transfers made within 30 days of the Account opening, and will remain in effect for 6 Statement Periods from the date the last such Balance Transfer was posted to the Account (the “Promotional Rate Period”). To take advantage of this Promotional Offer, you must complete the Balance Transfer request within 30 days of Account approval. You must also activate your Card within 45 days of Account approval for the requested Balance Transfer to be processed, or the Balance Transfer will be automatically cancelled. Balance Transfers are treated as Cash Advances on your Card and do not have an interest-free grace period. Balance Transfers may not exceed the available credit on the Account. If the Balance Transfer exceeds the available credit, the Balance Transfer transaction will not be processed. A 1% Balance Transfer Fee will be charged on each Balance Transfer amount and will be immediately charged to your Credit Card. This Balance Transfer Fee is waived by Tangerine if you are a resident of the province of Quebec at the time you accept this offer. Interest does not accrue on the Balance Transfer Fee, however it is included in the Minimum Payment amount on your monthly statement. You must continue to make all of your monthly Minimum Payments by the Payment Due Dates shown on your monthly statements. If you still have an amount owing from your Balance Transfer when the Promotional Rate Period ends, the Cash Advance interest rate of 22.95% will apply to that amount. You must continue to make the Minimum Payments on your Account, regardless of whether the Balance Transfer has been processed to your Account. We don’t charge interest on new Purchases that appear on your statement for the first time if we receive full payment of the Balance on your statement (including payment of any Balance Transfers included in that Balance), by the Payment Due Date on your statement. This means you will pay interest on new purchases that appear on your statement for the first time unless we receive payment of your entire balance each month by the payment due date. For example, if you do a promotional (or non-promotional) balance transfer for $7,000 and spend $500 in new purchases during the same statement cycle, we must receive payment of the entire balance of $7,500 on or before your payment due date to avoid paying interest on your new purchases that month of $500. Balance Transfers may not be used to transfer money to or from another Tangerine Account. See the Tangerine Credit Card Cardholder Agreement for more information about how we apply payments to your Account. Check here for full details and current product information.

² The annual interest rate on Purchases is 20.95% and Cash Advances (including Balance Transfers) is 22.95%. Rates are subject to change. If you don't make 2 consecutive monthly Minimum Payments, or at any time thereafter, an interest rate of 25.95% will apply to your Account on Purchases and 27.95% on Cash Advances (including Balance Transfers).