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Side by Side Credit Cards Comparison
TD® Aeroplan® Visa Infinite Privilege* Credit CardVSTD First Class Travel® Visa Infinite* Card
Which one is better?
TD® Aeroplan® Visa Infinite Privilege* Credit Card
4.3
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
TD First Class Travel® Visa Infinite* Card
4.7
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
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†
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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)†.
- 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 $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†.
- Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†.
- Earn a Birthday Bonus of up to 10,000 TD Rewards points†.
- Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD.
- Get an Annual Fee Rebate for the first year†.
- Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)†.
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 Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) while the offer is in effect.
Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
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 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
- Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance Included
Lost or Stolen Baggage†
$2,500/person
Baggage Delay†
$1,000/person after 4 hours.svg)
Car Rental Damage & Theft†
48 days
Common Carrier Travel Accident Insurance†
$500,000
Mobile Device Insurance†
$1,500
Extended Warranty†
2 years
Purchase Protection†
120 days
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance†
31 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$2,500/person, $5,000/trip
Trip Interruption†
$5,000/person, $25,000/tripFlight Delay†
$1,000/person after 4 hours
Insurance Included
Lost or Stolen Baggage†
$1,000Baggage Delay†
$1,000Car Rental Damage & Theft†
yesCommon Carrier Travel Accident Insurance†
$500,000Mobile Device Insurance†
$1,000Extended Warranty†
Up to 1 yearPurchase Protection†
90 daysHotel Burglary Insurance†
$2,500Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight 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†
Airport Lounge - Dragon Pass†
6 Free complimentary visits.svg)
Concierge Services†
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 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
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
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)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 CarVisa Infinite Exclusive Benefits†
Airport Lounge - Dragon Pass†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion ProgramConcierge Services†
Extra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.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
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
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
Point Redemption Options
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
1.9¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
0.44¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Expedia® For TD
0.5¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / point
Statement Credits (Cash)
0.25¢ / point
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 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.
Pros
- Elite Air Canada experience
- High insurance coverage
- Luxury perks
- Generous intro offer
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Cons
- Low reward rates
- Limited airline flexibility
- High annual fee
- Limiting airport lounge brand
Cons
- High income requirements
- Low point value
- Potentially week booking portal
vs American Express® Aeroplan®* Reserve Card
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 Infinite* Card
vs TD Cash Back Visa* 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
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* 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 TD Aeroplan® 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.