TD Aeroplan® Visa Infinite* Card vs TD Cash Back Visa* Card: Which one is better?


TD Aeroplan® Visa Infinite* Card

TD Aeroplan® Visa Infinite* Card

3.2


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

td cashback visa card

TD Cash Back Visa* Card

2.7


RECOMMENDED CREDIT SCORE

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

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

$148.67


First Year Bonus Value

$0


Annual Fee

$0


First Year Value

$148.67

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

Insurance Included

  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days

  • lost baggage

    Lost or Stolen Baggage

    $1,000
  • hourglass timer

    Baggage Delay

    $1,000
  • car insurance

    Car Rental Damage & Theft

    yes
  • heart lock

    Travel Accident

    $500,000
  • mobile device insurance

    Mobile Device Insurance

    $1,000
  • burglar

    Hotel Burglary Insurance

    $2500
  • 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
  • hourglass timer

    Flight Delay

    $500

Insurance Included

  • extended warranty

    Extended Warranty

    Up to 1 year
  • purchase protection

    Purchase Protection

    90 days

Extra Benefits

  • car rental

    Car Rental Discount

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

  • 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 Aircanada flights and up to 8 guests
  • 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

  • car rental

    Car Rental Discount

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

    Extra points

    Earn 50% more Stars at participating Starbucks stores

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

$0

First Year Waived

Annual Fee

$0

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Income Required

Min Personal Income:

$60,000

Min Household Income:

$100,000

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

  • 1% cash back on eligible groceries, gas and recurring bills (maximum $50 cash back for groceries & gas and another $50 for recurring bills)
  • 0.5% cash back on all other eligible credit card purchases

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?

The TD Cash Back Visa Card is a solid no-fee option for individuals looking for a basic, easy-to-use credit card. While its rewards rates aren't the highest, the ability to redeem cash back anytime, coupled with no annual fee and essential insurance coverage, makes it an appealing choice for those with moderate spending who want a straightforward rewards card.

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

  • No annual fee, making it an excellent choice for those who want to earn rewards without paying a fee.
  • 1% cash back on essential categories like gas, groceries, and recurring bills.
  • Flexibility in redeeming cash back: you can redeem whenever you reach $25, rather than waiting for year-end or specific dates.
  • Complimentary extended warranty and purchase protection insurance.

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

  • Only 0.5% cash back on all other purchases, which is lower than some competitors.
  • Limited insurance coverage compared to premium cash back cards.

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