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Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSTD Cash Back Visa* Card
Which one is better?
TD Aeroplan® Visa Infinite* Card
4.2
TD Cash Back Visa* Card
2.7
Welcome Bonus
Up to $1,450 in value† including up to 45,000 Aeroplan points† could be yours. Plus, enjoy no annual fee for the first year† and additional travel benefits. Conditions Apply. Offer effective as of September 4, 2025. 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†. Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD)†. Plus, share free first checked bags with up to 8 travel companions†. Get an annual fee rebate for the first year†. To receive the first-year annual fee rebate, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening and you must add your Additional Cardholders while this offer is in effect.
Welcome Bonus
Earn up to $50 in Cash Back Dollars† with the TD Cash Back Visa Card. Conditions apply. Offer effective as of June 4, 2025. Earn $10 in Cash Back Dollars on first purchase with your card†. Earn an additional $40 in Cash Back Dollars when you reach a spend of $1,500 in the first 3 months of account opening†. Cash Back Dollars can be redeemed to help pay down your account balance†.
Rewards Breakdown
Annual Rewards
$525.93
Aeroplan
First Year Bonus Value
+
$900
Aeroplan
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,425.93
$386.93 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$150.82
First Year Bonus Value
+
$50
Annual Fee
-
$0
First Year Value
$200.82
$150.82 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
- Earn 1 point† for every $1 spent on all other Purchases made with your Card
- Earn points twice when you pay with your Card and provide your Aeroplan number at over 150 Aeroplan partner brands and at 200+ online retailers via the Aeroplan eStore (www.aeroplan.com/estore).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
How to Earn Rewards
- Earn 1% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†.
- Earn 0.5% in Cash Back Dollars on all other Purchases made with your Card†.
- Once your Cash Back Dollars balance hits $25, you can redeem those Cash Back Dollars as credit towards your account balance†.
- Your Cash Back Dollars never expire as long as your account is open and in good standing.
- Earn 50% more Stars at participating Starbucks® stores. Conditions apply.
Insurance Included
Extended Warranty†
1 year
Purchase Protection†
90 days
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,000
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Insurance Included
Extended Warranty†
Up to 1 yearPurchase 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 storesExtra points†
Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore
Visa Infinite Exclusive Benefits†
Trip and legal Assistance†
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Concierge Services†
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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.svg)
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 CarExtra points†
Earn 50% more Stars at participating Starbucks stores
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$0
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
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / pointCar 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 rebate, 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.
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Legal
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.
†Terms and conditions apply.
Sponsored advertising. The Toronto-Dominion Bank (TD) is not responsible for the contents of this site including any editorials or reviews that may appear on this site. For complete and current information on this TD credit card, please click the Apply Now button.