TD First Class Travel® Visa Infinite* Card vs CIBC Aeroplan® Visa Infinite* Card: Which one is better?
TD First Class Travel® Visa Infinite* Card
3
CIBC Aeroplan® Visa Infinite* Card
3.3
Welcome Bonus
Earn up to $1,000 in value, including up to 85,000 TD Rewards Points and no annual fee for the first year. Conditions Apply.
Welcome Bonus
10,000 Aeroplan points when you make your first purchase. 20,000 Aeroplan points when you spend $5,000 or more during the first 4 statements periods. 20,000 Aeroplan points as an additional anniversary bonus when you have at least $15,000 in net purchases posted on your account during the first 12 monthly statement periods.
Rewards Breakdown
Annual Rewards
$401.23
TD Rewards
First Year Bonus Value
+
$675
TD Rewards
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$1,076.23
$262.23 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$541.37
Air Canada Aeroplan®
First Year Bonus Value
+
$1,050
Air Canada Aeroplan®
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$1,452.37
$402.37 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 8x points per $1 spent on travel booked online through Expedia for TD
- 6x points per $1 spent on eligible grocery and restaurant purchases
- 4x points per $1 spent on eligible recurring bill payments
- 2x points per $1 spent on all other eligible purchases
How to Earn Rewards
- 1.5 Aeroplan® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1 spent on all other purchases
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
Up to 1 year
Purchase Protection
90 days
Hotel Burglary Insurance
$2,500
Emergency Out of province Medical
21 daysEmergency Medical Over 65
4 days
Trip Cancellation
$1,500
Trip Interruption
$5,000Flight Delay
$500
Insurance Included
Lost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
yesTravel Accident
$500,000Mobile Device Insurance
$1,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysHotel Burglary Insurance
$2,500Emergency Out of province Medical
15 daysEmergency Medical Over 65
3 daysTrip Cancellation
$1,500Trip Interruption
$2,000Flight 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
Annual Birthday Bonus
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Concierge Services
Extra points
Earn 50% more Stars and 50% more Aeroplan points at participating Starbucks stores.svg)
Travel Credit
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
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
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Visa Infinite Exclusive Benefits
Exclusive offers.svg)
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Discount
Primary cardholders can often book flight rewards for even fewer points.svg)
Status lift
Reach Aeroplan Elite Status sooner: Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases made on your card.svg)
Free first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
Free Extra Night at Hotels
Extra night free for every 3 hotel nights redeemed with Aeroplan points
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$139
$0
First Year Waived
Annual Fee
$139
$0
First Year Waived
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
0.4¢ / point
Gift Cards
0.25¢ / point
Merchandise
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
Point Redemption Options
Travel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
2.1¢ / pointCar Rentals
0.9¢ / point
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.
Is this card worth it?
The CIBC Aeroplan Visa Infinite Card is great for Air Canada travelers who want to rack up Aeroplan points and enjoy perks like free checked bags and preferred pricing on flight redemptions. With solid reward rates in key spending categories like gas, groceries, and Air Canada purchases, this card offers decent returns. Additionally, the first-year annual fee waiver and comprehensive travel insurance make it a solid option for those looking for value without the upfront cost. However, its highest value is for people who frequently travel with Air Canada and make use of Aeroplan rewards, especially for flights.
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.
Pros
- Generous Welcome Bonus: 40,000 Aeroplan points upon meeting the initial spending requirements.
- High Reward Rates: Earn up to 1.5 points per $1 spent on gas, groceries, EV charging, and Air Canada purchases.
- Air Canada Perks: Free checked bags for you and up to 8 companions when flying Air Canada.
- Preferred Pricing on Aeroplan Flights: Get access to better Aeroplan point redemption rates for Air Canada flights.
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.
Cons
- Income Requirements: Requires either a $60,000 personal income or a $100,000 household income to qualify.
- Limited Redemption Value: The highest value for points is found when redeeming for Air Canada flights, limiting flexibility if you prefer other types of rewards.
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Credit Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD® Aeroplan® Visa Infinite Privilege*
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Rogers World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs CIBC Costco Mastercard
vs SimplyCash™ Preferred Card from American Express
vs Simplii Financial™ Cash Back Visa* Card
vs American Express Gold Rewards Card®
vs Rogers World Elite® Mastercard®
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card