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

TD Aeroplan® Visa Infinite* Card

3.2

Finly Rating

Apply Now

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Get your free credit score

TD Cash Back Visa* Card

1.7

Finly Rating

Apply Now

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 20,000 Aeroplan points when you spend $12,000 within 12 months of Account opening.

Welcome Bonus

N/A

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

$148.67

First Year Bonus Value

Annual Fee

First Year Value

$148.67

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

While the first year bonus value here may show $0, the actual welcome bonus offer for this credit card is , which we value at $2 when you meet the minimum spending or other listed requirements. The value of $0 here was derived based on numbers in the spending inputs and whether you meet the minimum listed requirements.

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

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

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 Medical Term

21 days

Emergency Medical (65+)

4 days

Trip Cancellation

$1,500

Trip Interruption

$5,000

Flight Delay

$500

Insurance Included

Extended Warranty

Up to 1 year

Purchase Protection

90 days

Extra Benefits

Car Rental Discount

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

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

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

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

Car Rental Discount

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

Extra points

Earn 50% more Stars at participating Starbucks stores

Interest Rates

Purchase:

20.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

Interest Rates

Purchase:

19.99%

Cash Advance:

22.99%

Balance Transfer:

22.99%

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:

$60,000

Min Household Income:

$100,000

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?

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

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.

Other Comparisons