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Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSTD First Class Travel® Visa Infinite* Card
Which one is better?
TD Aeroplan® Visa Infinite* Card
TD First Class Travel® Visa Infinite* Card
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†. Get an annual fee rebate for the first year†.
Welcome Bonus
Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points, 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 20,000 TD Rewards Points when you make your first Purchase with your Card†. Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†. Get an Annual Fee Rebate for the first year†. To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Rewards Breakdown
Annual Rewards
$515.59
Air Canada Aeroplan®
First Year Bonus Value
+
$900
Air Canada Aeroplan®
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,415.59
$376.59 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$441.36
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,266.36
$302.36 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 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
Insurance Included
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Extended Warranty
1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$2,500
Emergency Medical Term
21 daysEmergency Medical (65+)
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000Flight Delay
$500
Insurance Included
Lost or Stolen Baggage
$1,000Baggage Delay
$1,000Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysHotel Burglary Insurance
$2,500Emergency Medical Term
21 daysEmergency Medical (65+)
4 daysTrip Cancellation
$1,500Trip Interruption
$5,000Flight Delay
$500
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
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Concierge Services
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
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
Trip and legal Assistance
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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
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefits
Concierge Services
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks storesGolf 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
Airport Lounge - Dragon Pass
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$139
$0$
First Year Rebated
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
Loyalty Program
Point Redemption Options
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
2¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
0.4¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Travel via Expedia
0.5¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / point
Statement Credits (Cash)
0.25¢ / point
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 First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
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
- Earn 8 points per $1 spent on travel booked through Expedia For TD, making it a great card for frequent travelers.
- First year annual fee rebate, making it free for the first year.
- Extensive insurance coverage, including trip cancellation, emergency medical, baggage delay, and more.
- Annual $100 travel credit on a purchase of $500 or more through Expedia For TD.
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
- High income requirements: You need to earn at least $60,000 personally or $100,000 as a household.
- TD Rewards points are only worth 0.5 cents each, limiting their value compared to some other rewards programs.
- The Expedia For TD platform might not always offer the best prices or availability compared to booking directly with airlines or hotels.
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vs Scotiabank Gold American Express® Card
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vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
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vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
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vs Scotiabank Passport® Visa Infinite* Card
vs American Express Cobalt® Card
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.