TD Aeroplan® Visa Infinite* Card vs American Express Gold Rewards Card®
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
The offer
Up to $1,550 in value† including up to 50,000 Aeroplan points† could be yours. Plus, receive an Annual Fee rebate for the first year† and additional travel benefits. Conditions Apply.
- Earn a welcome bonus of 10,000 Aeroplan points when you make your first Purchase with your new Card†.
- Earn 15,000 Aeroplan points when you spend $3,000 within 90 days of Account opening†.
- Plus, earn a one-time anniversary bonus of 25,000 Aeroplan points when you spend $12,000 within 12 months of Account opening†.
- Apply for the NEXUS program and once every 48 months get an application fee rebate (up to $100 CAD per eligible cardholder).†
- Share free first checked bags for you and up to 8 travel companions†
- Get an Annual Fee rebate for the first year†.
To receive the first-year Annual Fee rebate, 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 this 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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
- 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
What each card is worth
Rewards, the welcome bonus and any Finly rebate in, the annual fee and FX fees out, all on your spending.
Worked out on a typical $2,000 a month of spending. Enter yours to see your own numbers.
$1,444
First-year value
$1,427
$355
Every year after
$287
TD Aeroplan Visa Infinite is worth $18 more to you in year one.
It stays ahead after that, by $69 a year.
How the first year adds up
Annual rewards
$494.3
26,016 points a year
Welcome bonus
+ $950
first year only
Annual fee
$139− $0
$139 from year two
First-year value
$1,444.3
Annual rewards
$536.71
28,248 points a year
Welcome bonus
+ $1,140
first year only
Annual fee
− $250
First-year value
$1,426.71
Where each card earns
A year of your spending at each card's own reward rates, most first.
1.5xGroceries, Gas and Air Canada
8,172 pts
$155.27
1xAll other purchases
17,844 pts
$339.04
2xGas, Groceries, Pharmacy
9,804 pts
$186.28
2xTravel
2,400 pts
$45.6
1xAll other purchases
16,044 pts
$304.84
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99%
Cash Advance:
22.99%
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.
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Min Personal Income:
N/A
Min Household Income:
N/A
How each card earns
The earn rates and caps, as each issuer sets them.
- 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 more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
- 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
Points and how we value them
Points become dollars at each card's best redemption. Here's the value we used, and every other way to spend them.
Loyalty program
Loyalty program
We count each point at 1.9¢ a point, what it's worth redeemed for Flights, its best value. Every dollar figure above uses that value.
We count each point at 1.9¢ a point, what it's worth redeemed for Transfer to Airline Partners, its best value. Every dollar figure above uses that value.
Point redemption options
Point redemption options
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Flights
1.9¢ / point
Car Rentals
0.9¢ / point
Travel
0.825¢ / point
Gift Cards
0.91¢ / pointMerchandise
0.63¢ / pointMost Optimal
Transfer to Airline Partners
1.9¢ / pointFixed Point Travel Program
1.16¢ / point
Transfer to Hotel Partners
1.08¢ / point.svg)
Flexible Points Travel Program
1¢ / point
Statement Credits (Cash)
1¢ / point
Amazon.ca
0.7¢ / point
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
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 (64 & under)†
21 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Mobile Device Insurance†
$1,000Travel Medical Insurance (65 to 75)†
4 days
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 (64 & under)
15 daysTrip Cancellation
$1,500 per person, $3,000 combinedTrip Interruption
$1,500 per person, $6,000 combinedFlight Delay
$500
Perks
Perks
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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†
Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.Extra 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 yearsCar 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
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
$100Complimentary Hotel Benefits
Hotels booked American Express Travel
Airport Lounge - Priority Pass
Pass only. No Complimentary visits!Airport Lounge - Plaza Premium
4 Free complimentary visits
Our take
Why we like it
Why we like 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.
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
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
- Flexible rewards
- Travel perks
- Comprehensive insurance
- Multiple redemption options
- Instant decision. No credit impact.
Cons
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
- High annual fee
- Foreign transaction fees
- Limited senior travel insurance
- Limited acceptance
More comparisons
Other cards we've put each of these up against.
vs Amex Aeroplan®
vs Amex Cobalt
vs Amex Platinum
vs BMO CashBack World Elite
vs CIBC Aeroplan Visa Infinite
vs Rogers Red
vs Rogers Red World Elite
vs Scotia Amex Gold
vs Scotiabank Passport
vs TD Aeroplan Platinum
vs TD Aeroplan Visa Infinite Privilege
vs TD Cash Back Visa Infinite* Card
vs TD Cashback Visa
vs TD First Class Travel
vs TD Low Rate
vs TD Platinum Travel
vs TD Rewards Visa
vs Amex Aeroplan Reserve
vs Amex Aeroplan®
vs Amex Cobalt
vs Amex Green
vs Amex Marriott Bonvoy
vs Amex Platinum
vs Amex SimplyCash
vs Amex SimplyCash™ Preferred
vs BMO CashBack World Elite
vs CIBC Aeroplan Visa Infinite
vs MBNA Rewards World Elite
vs PC World Elite Mastercard
vs Rogers Red World Elite
vs Scotia Amex Gold
vs Scotiabank Passport
vs TD Aeroplan Visa Infinite Privilege
vs TD First Class Travel
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.
