TD Aeroplan® Visa Infinite* Card vs TD Low Rate Visa* Card: Which one is better?
TD Aeroplan® Visa Infinite* Card
3.2
TD Low Rate Visa* Card
3.3
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
N/A
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
Travel Accident
$500,000
Mobile Device Insurance
$1,000
Hotel Burglary Insurance
$2500
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000Flight Delay
$500
Insurance Included
Extended Warranty
Doubled 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 170 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
5% to 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:
20.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.90%2
Cash Advance:
12.90%2
Balance Transfer:
12.90%2
Annual Fee
$139
$0
First Year Waived
Annual Fee
$25
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
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
- No rewards
- No welcome bonus or promotional interest rate
- Interest changes with prime so you can't setup a fixed amount payment plan
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Aeroplan® Flights
2.1¢ / 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 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?
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this 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
- Lower annual interest rate compared to most cards
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
- No rewards
- Small annual fee
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