Side by Side Credit Cards Comparison

TD® Aeroplan® Visa Infinite Privilege* Credit Card

TD Cash Back Visa* Card

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TD® Aeroplan® Visa Infinite Privilege* Credit CardVSTD Cash Back Visa* Card

Which one is better?

TD® Aeroplan® Visa Infinite Privilege* Credit Card

4.3

Our Rating

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RECOMMENDED CREDIT SCORE*

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

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TD Cash Back Visa* Card

2.7

Our Rating

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RECOMMENDED CREDIT SCORE*

300

Poor

560⁎

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Welcome Bonus

Up to $3,300 in value^† including up to 100,000 Aeroplan points^† and additional travel benefits could be yours. Conditions Apply.

Earn a welcome bonus of 20,000 Aeroplan points when you make your first Purchase with your new Card^†
Earn an additional 30,000 Aeroplan points when you spend $12,000 within 180 days of Account opening^†
Plus, earn a one-time anniversary bonus of 50,000 Aeroplan points when you spend $24,000 within 12 months of Account opening^†

Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Additional Travel Benefits:

Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD per eligible cardholder)^†.
Share free first checked bags for you and up to 8 travel companions^† and get unlimited access to Maple Leaf Lounges^†including complementary access for one guest.
Plus, cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program^†

Welcome Bonus

Rewards Breakdown

Rewards breakdown is not available for this card.

Rewards Breakdown

Rewards breakdown is not available for this card.

How to Earn Rewards

Earn 2 points^†for every $1 spent on eligible purchases made direct through Air Canada^® purchases (including Air Canada Vacations^®)
Earn 1.5 points† for every $1 you charge to your Card on eligible gas, electric vehicle charging, groceries, travel & transit and dining purchases.
Earn 1.25 points^†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).
Earn more at Starbucks: Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. 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 more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.

Insurance Included

Extended Warranty^†

2 years

Purchase Protection^†

120 days

Lost or Stolen Baggage^†

$2,500/person

Baggage Delay^†

$1,000/person after 4 hours

Car Rental Damage & Theft^†

48 days

Common Carrier Travel Accident Insurance^†

$500,000

Mobile Device Insurance^†

$1,500

Hotel Burglary Insurance^†

$2,500

Travel Medical Insurance (64 & under)^†

31 days

Travel Medical Insurance (65 to 75)^†

4 days

Trip Cancellation^†

$2,500/person, $5,000/trip

Trip Interruption^†

$5,000/person, $25,000/trip

Flight Delay^†

$1,000/person after 4 hours

Insurance Included

Extended Warranty^†

Up to 1 year

Purchase Protection^†

90 days

Extra Benefits

Car Rental Discount^†

10% off base rate of Avis Rent A Car and Budget Rent A Car

Extra points^†

Link your eligible Card to earn 50% more Aeroplan points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.  

Extra points^†

Earn points twice at over 150 Aeroplan partner brands and over 200 online retailers through the Aeroplan eStore

Extra 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

Visa Infinite Exclusive Benefits^†

Airport Lounge - Dragon Pass^†

6 Free complimentary visits

Trip and legal Assistance^†

Concierge Services^†

Companion Voucher^†

Annual Worldwide Companion Pass from $99 to a max of $599 After spending $25,000 on your card

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 purchases

Status lift^†

Complimentary upgrade to Avis® President's Club

Status 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.

Free first checked bag^†

First checked bag is free for primary cardholder on AirCanada flight and up to 8 guests

Nexus Program Rebate^†

up to $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.S

Airport Lounge - Maple Leaf and AirCanada Cafes^†

Unlimited Access for you and one guest

Extra Benefits

Car Rental Discount^†

10% off base rate of Avis Rent A Car and Budget Rent A Car

Extra points^†

Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.

Interest Rates

Purchase:

21.99%

Cash Advance:

22.99%

Interest Rates

Purchase:

21.99%

Cash Advance:

22.99%

Annual Fee

$599

Annual Fee

Income Required

Min Personal Income:

$150,000

Min Household Income:

$200,000

Income Required

Min Personal Income:

N/A

Min Household Income:

N/A

Loyalty Program

Aeroplan

Loyalty Program

N/A

Point Redemption Options

Flights

1.9¢ / point

Car 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?

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.

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

Elite Air Canada experience
High insurance coverage
Luxury perks
Generous intro offer

Pros

No annual fee
Decent cashback
Flexible redemptions

Cons

Low reward rates
Limited airline flexibility
High annual fee
Limiting airport lounge brand

Cons

Low base earn rate
Limited insurance

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.