TD Aeroplan® Visa Infinite* Card vs TD® Aeroplan® Visa Infinite Privilege*: 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

TD® Aeroplan® Visa Infinite Privilege*

3.2

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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

$593.72

Air Canada Aeroplan

Welcome Bonus

$1,470

Air Canada Aeroplan

Annual Fee

$599

First Year Value

$1,464.72

-$5.28 in years after

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

Insurance Included

Emergency Out of province Medical

$2M/insured up to 21 days

Emergency Medical Over 65

$2M/insured up to 4 days

Trip Cancellation

$1.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$500/person after 4 hours

Baggage Delay

$1K/person after 6 hours

Lost or Stolen Baggage

$1K/person after 6 hours

Travel Accident

$500,000

Car Rental Damage & Theft

Up to 48 consecutive rental days

Hotel Burglary Insurance

$2500

Purchase Protection

90 days

Extended Warranty

1 year

Mobile Device Insurance

$1,000

Insurance Included

Emergency Out of province Medical

$2M/insured up to 21 days

Emergency Medical Over 65

$2M/insured up to 4 days

Trip Cancellation

$1.5K/person, $5K/trip

Trip Interruption

$5K/person, $25K/trip

Flight Delay

$500/person after 4 hours

Baggage Delay

$1K/person after 6 hours

Lost or Stolen Baggage

$1K/person after 6 hours

Travel Accident

$500,000

Car Rental Damage & Theft

Up to 48 consecutive rental days

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

Nexus Application

$100 every 4 years

Visa Infinite Exclusive Benefits

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

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

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

Nexus Application

$100 every 4 years

Visa Infinite Exclusive Benefits

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

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

Trip and legal Assistance

Airport Benefits

At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.

Airport Benefits

Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)

Airport Lounge - Dragon Pass

6 Free complimentary visits

Airport Lounge - Maple Leaf and AirCanada Cafes

Unlimited Access for you and one guest

Companion Voucher

Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Annual Fee

$139

Annual Fee

$599

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Welcome Bonus

10,000 points after approval. 25,000 points after spending over $5,000 within 180 days of account opening.

Welcome Bonus

20,000 points after approval. 50,000 points after spending over $7,500 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card.

Rewards Rate

1.5 points on gas, Groceries and Air Canada and Air Canada vacations (maximum 120,000 points annually)
1 point on everything else

Rewards Rate

2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
1.25 Point on everything else

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

Transfer to Airline Partners

2.1¢ / point

Most Optimal

Travel

0.825¢ / point

Gift Cards

0.74¢ / point

Is this card worth it?

If you are a frequent AirCanada traveler, we highly recommend this card given its many benefits specific to the Aeroplan program. Among all the Aeroplan cards, we like this one the most because it provides a more comprehensive list of benefits compared to the others.

Is this card worth it?

If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.

Pros

Great benefits for Air Canada travelers, such as free checked baggage, will save you more in fees than you spend on annual membership fees. High coverage limit on the insurance for this card

Pros

Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
High coverage limit on insurance.
Numerous luxury benefits and statuses available for use.

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

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.
The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.