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Walmart Rewards™ Mastercard® vs TD® Aeroplan® Visa Infinite Privilege*: Which one is better?
Walmart Rewards™ Mastercard®
1.7
TD® Aeroplan® Visa Infinite Privilege*
2.9
Rewards Breakdown
Annual Rewards
$242.9
First Year Bonus Value
$45
Annual Fee
$0
First Year Value
$287.9
$242.9 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$601.85
Air Canada Aeroplan®
First Year Bonus Value
$420
Air Canada Aeroplan®
Annual Fee
$599
First Year Value
$422.85
$2.85 in years after
Based on $2,000/mo average spending. Calculate your rewards.
Insurance Included
Purchase Protection
90 days
Insurance Included
Purchase Protection
120 days
Lost or Stolen Baggage
$2.5K/person
Baggage Delay
$1K/person after 4 hours.svg)
Car Rental Damage & Theft
Up to 48 consecutive rental days
Travel Accident
$500,000
Mobile Device Insurance
$1,500
Extended Warranty
2 years
Hotel Burglary Insurance
$2500
Emergency Out of province Medical
$5M/insured up to 31 daysEmergency Medical Over 65
$5M/insured up to 4 days
Trip Cancellation
$2.5K/person, $5K/trip
Trip Interruption
$5K/person, $25K/tripFlight Delay
$1,000/person after 4 hours
Extra Benefits
N/A
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits
Airport Lounge - Dragon Pass
6 Free complimentary visits
Trip and legal Assistance
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Concierge Services
Companion Voucher
Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card.svg)
Status lift
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $5,000 of net purchasesStatus lift
Complimentary upgrade to Avis® President's ClubStatus lift
Primary Cardholders who also hold Aeroplan Elite Status can roll over up to 200,000 Status Qualifying Miles (SQM) beyond the status level for which they’ve qualified, from the prior qualification year to qualify for status the next year.Status lift
Primary Cardholders who also hold Aeroplan Elite Status will benefit from an extra 12 months to use eUpgrade credits, for a total of 24 months from issuance.Status lift
Diamond Status with Visa RSVP Rewards™ Benefit. Benefits at 60+ participating Sandman, Sandman Signature and Sutton Place Hotels from coast-to-coast in Canada and beyond..svg)
Free first checked bag
First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests
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 eStoreExtra points
Earn 2 Aeroplan points for every $1 you spend on eligible purchases with Rocky Mountaineer, Plus, cardholders could receive a GoldLeaf Upgrade, and a hotel room upgrade
Nexus Program Rebate
$100 every 4 years
Priority Travel
At Toronto, Vancouver, Ottawa and Montreal airports get benefits such as Priority Security lane, Complimentary valet, premium parking spots, priorioty taxi and limo lane and discount for parking.Priority Travel
Get Priority Check-in, Priority Boarding and Priority Baggage Handling, Priority Airport Standby & Priority Airport Upgrades for you, your authorized users and up to 8 companions on the same flight (Only AirCanada)
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.SAirport Lounge - Maple Leaf and AirCanada Cafes
Unlimited Access for you and one guest
Interest Rates
Purchase:
20.89% - 26.99%
Cash Advance:
22.97% - 27.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Annual Fee
$0
Annual Fee
$599
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Welcome Bonus
$45 on Approval
Welcome Bonus
20,000 points after the eligible first purchase. 35,000 additional bonus points after spending $12,000 within 180 days of account opening. 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening at the anniversary of the card.
Rewards Rate
- 1.25% cashback on Walmart store and Walmart.ca purchases
- 1% cashback on all credit card purchases.
Rewards Rate
- 2 points on Air Canada and Air Canada Vacations if they are in the first $100k transactions of the year
- 1.5 points on Gas, Groceries, Travel and Dining if they are in the first $100k transactions of the year
- 1.25 Point on everything else
Loyalty Program
N/A
Loyalty Program
Point Redemption Options
Not Applicable
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
Is this card worth it?
The Walmart Rewards Mastercard is ideal for frequent Walmart shoppers who want to spread out payments on larger purchases without paying much interest. It offers 1.25 Walmart Reward Dollars for every dollar spent at Walmart stores and the ability to pay in installments. Additionally, you can earn up to $45 in Walmart Reward Dollars when you sign up. However, the rewards can only be redeemed at Walmart, and the card lacks additional benefits or insurance coverage beyond purchase assurance and extended warranty.
Is this card worth it?
If you travel a lot throughout the year with Air Canada, the benefits of this card can significantly enhance your experience. It can help you achieve the next status level with Aeroplan and provide a better airport experience, therefore it can be worth the price tag. However, if you don't frequently fly with Air Canada, the benefits may not justify the card's expensive price tag.
Pros
- Installment Payments: Allows you to pay for Walmart purchases in installments over six months.
- Walmart Rewards: Earn 1.25 Walmart Reward Dollars for every dollar spent at Walmart stores.
- Sign-Up Bonus: Get up to $45 in Walmart Reward Dollars when you sign up.
Pros
- Premium experience for Elite Air Canada travelers with many benefits and status upgrades.
- High coverage limit on insurance.
- Numerous luxury benefits and statuses available for use.
Cons
- Limited Redemption: Rewards can only be redeemed at Walmart and Walmart.ca.
- Lower Rewards: Offers lower rewards compared to other store and cashback credit cards.
- Minimal Benefits: No additional benefits or insurance coverage aside from purchase assurance and extended warranty.
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.
- The high price tag makes this card a poor choice if you don't frequently travel with Air Canada.
- The unlimited lounge access is limited to Maple Leaf Lounges and Air Canada Cafe lounges which don't have a great worldwide coverage.
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