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Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSAmerican Express Gold Rewards Card®
Which one is better?
TD Aeroplan® Visa Infinite* Card
4.2
American Express Gold Rewards Card®
4.3
Welcome Bonus
Earn up to 40,000 Aeroplan points† ($1,350 value) + first year annual fee rebate†. Welcome bonus: 10,000 points on first purchase†. Earn 15,000 points when you spend $7,500 in 180 days†. Plus 15,000 anniversary points when you spend $12,000 in 12 months†. NEXUS fee rebate up to $100 CAD (once every 48 months)†. Share free first checked bags with up to 8 companions†. First-year fee rebate requires Card activation and first purchase within 3 months. Conditions apply. Offer subject to change or withdrawal.
Welcome Bonus
Earn up to 60,000 Membership Rewards® points. New American Express® Gold Rewards Cardmembers, earn 5,000 Membership Rewards® points for each monthly billing period in which you spend $1,000 in net purchases on your Card
Rewards Breakdown
Annual Rewards
$525.93
Aeroplan
First Year Bonus Value
+
$800
Aeroplan
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,325.93
$386.93 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$572.1
American Express Membership Rewards
First Year Bonus Value
+
$1,200
American Express Membership Rewards
Annual Fee
-
$250
First Year Value
$1,522.1
$322.1 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- Earn 1.5 points† for every $1 spent on eligible gas, electric vehicle charging, grocery and direct through Air Canada® purchases (including Air Canada Vacations®) made with your Card.
- Earn 1 point† 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).
- Your Aeroplan Points do not expire as long as you are a TD® Aeroplan® Visa Infinite* Cardholder in good standing.
- Earn big rewards on the little things: Earn 50% more Aeroplan Points and 50% more Stars at participating Starbucks® stores. Simply link your TD Aeroplan Visa Infinite Card to your Starbucks® Rewards account. Conditions apply.
How to Earn Rewards
- 2x points per $1 spent on gas, groceries and drugstore purchases
- 2x points per $1 spent on travel (eligible flights, hotels, tours and more)
- 1x point per $1 spent on all other eligible purchases
Insurance Included
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Common Carrier Travel Accident Insurance†
$500,000
Extended Warranty†
1 year
Purchase Protection†
90 days
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance†
21 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Mobile Device Insurance†
$1,000Travel Medical Insurance (65+)†
4 days
Insurance Included
Lost or Stolen Baggage
$500Baggage Delay
$500Car Rental Damage & Theft
yesCommon Carrier Travel Accident Insurance
$500,000Extended Warranty
Up to 1 yearPurchase Protection
90 daysHotel Burglary Insurance
$500Travel Medical Insurance
15 daysTrip Cancellation
$1,500 per person, $3,000 combinedTrip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500
Extra Benefits
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Status lift†
Reach Aeroplan Elite™ Status sooner by earning 1,000 Status Qualifying Miles and one (1) Status Qualifying Segment for every $10,000 of net purchases
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 eStore
Nexus Program Rebate†
$100 every 4 years
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits†
Trip and legal Assistance†
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Concierge Services†
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Free first checked bag†
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
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
Status lift
Hertz Gold Plus Rewards® loyalty programExtra points
Earn 2 points on Amex Travel Online purchases and extra points on American Express offersNexus Program Rebate
$50 statement credit every 4 years
American Express® Experiences
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Travel Credit
$100
Complimentary Hotel Benefits
Hotels booked American Express Travel
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visits
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%2
Cash Advance:
21.99%2
2 Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$250
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointCar Rentals
0.9¢ / point
Travel
0.825¢ / point
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / pointGift Cards
0.91¢ / pointMerchandise
0.63¢ / point
Transfer to Airline Partners
1.6¢ / pointFixed Point Travel Program
1.16¢ / pointTransfer to Hotel Partners
1.16¢ / point
Statement Credits (Cash)
1¢ / point
Amazon.ca
0.7¢ / point
Is this card worth it?
The TD® Aeroplan® Visa Infinite Card* is an excellent choice for frequent Air Canada travelers looking to maximize their rewards with Aeroplan points. With perks like free checked bags, Preferred Pricing, and a first-year fee rebate, it’s ideal for users who value Air Canada-specific benefits. However, the card’s high income requirement and limited non-Air Canada redemption options may not appeal to everyone.
Is this card worth it?
The American Express® Gold Rewards Card is an excellent choice for travelers seeking an entry-level card that offers a strong balance of generous travel benefits without excessive costs. With a relatively low annual fee, this card provides flexibility and a range of perks that make it stand out among other options. It’s ideal for those who want to maximize their travel rewards without being tied to a specific airline or compromising on the benefits offered.
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Pros
- Flexible rewards
- Travel perks
- Comprehensive insurance
- Multiple redemption options
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Cons
- High annual fee
- Foreign transaction fees
- Limited senior travel insurance
- Limited acceptance
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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.
Subject to approval. The preferred rate for purchases is 21.99% and funds advances is 21.99%. If you have Missed Payments, the applicable rates for your account will be 25.99% and/or 29.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.