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Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Infinite Privilege* Credit CardVSTD Cash Back Visa Infinite* Card
Which one is better?
TD® Aeroplan® Visa Infinite Privilege* Credit Card
4.3
TD Cash Back Visa Infinite* Card
3.9
Welcome Bonus
Up to $3,000 in value† including up to 85,000 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 35,000 Aeroplan points when you spend $12,000 within 180 days of Account opening†. Plus, earn a one-time anniversary bonus of 30,000 Aeroplan points when you spend $24,000 within 12 months of Account opening†. Apply for the NEXUS program membership and once every 48 months get a partial application fee rebate (up to $100 CAD)†. Share first free checked bags with up to 8 travel companions† and get unlimited access to Maple Leaf Lounges† including complementary access for one guest. Plus, primary cardholders get 6 complimentary worldwide select airport lounge visits annually through the Visa Airport Companion Program†
Welcome Bonus
Earn up to $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Offer effective as of April 30, 2025. Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†. 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†. 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
Rewards Breakdown
Annual Rewards
$583.53
Aeroplan
First Year Bonus Value
+
$400
Aeroplan
Annual Fee
-
$599
First Year Value
$384.53
-$15.47 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$376.14
First Year Bonus Value
+
$105
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$481.14
$237.14 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
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).
How to Earn Rewards
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
- Earn 1% in Cash Back Dollars on all other Purchases
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
Insurance Included
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
Mobile Device Insurance†
$1,500
Extended Warranty†
2 years
Purchase Protection†
120 days
Travel Medical Insurance†
$5M/insured up to 31 daysTravel Medical Insurance (65+)†
$5M/insured up to 4 days
Common Carrier Travel Accident Insurance†
$500,000
Hotel Burglary Insurance†
$2500
Trip Cancellation†
$2.5K/person, $5K/trip
Trip Interruption†
$5K/person, $25K/tripFlight Delay†
$1,000/person after 4 hours
Insurance Included
Lost or Stolen Baggage†
$1000Baggage Delay†
$1000Car Rental Damage & Theft†
IncludedMobile Device Insurance†
$1000Extended Warranty†
1 yearPurchase Protection†
90 daysTravel Medical Insurance†
$2M, 10 daysTravel Medical Insurance (65+)†
$2M, 4 days
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 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
Airport Lounge - Dragon Pass†
6 Free complimentary visits
Trip and legal Assistance†
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
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.SAirport 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 CarVisa Infinite Exclusive Benefits†
Concierge Services†
Extra points†
Earn 50% more Stars at participating Starbucks stores
Roadside Assistance†
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$599
Annual Fee
$139
$0$
First Year Rebated
Income Required
Min Personal Income:
$150,000
Min Household Income:
$200,000
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / 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?
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?
This is a great keeper card, especially for recurring bills and subscriptions. A main notable benefit is the roadside assistance, which is a great valuable perk to have.
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.
Pros
- The roadside assistance benefit is quite nice.
- 3% cashback on recurring bills is a great way to save on subscriptions
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.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Aeroplan® Visa Infinite* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa* Card
vs TD First Class Travel® Visa Infinite* Card
vs Scotia Momentum® Visa Infinite* Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard®
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.