Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSBMO CashBack® World Elite®* Mastercard®*
Which one is better?
TD Aeroplan® Visa Infinite* Card
4.5
RECOMMENDED CREDIT SCORE*
BMO CashBack® World Elite®* Mastercard®*
4.1
RECOMMENDED CREDIT SCORE*
Welcome Bonus
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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Welcome Bonus
Get up to $650 in value and the annual fees waived in the first year. Plus, get a 0% introductory interest rate on Balance transfers for 12 months with a 2% transfer fee.*
$650 in value is made up of:
- Up to $480 Welcome Offer Cash Back: Receive $40 Bonus Cash Back when you spend a minimum of $2,000 on net card purchases per billing cycle in the first twelve (12) billing cycles after the account open date.*
- $139: Annual Fee Waiver: The primary cardholder annual fee of $139 will be rebated in the first year and will appear as a fee and a credit on the primary cardholder’s first statement.*
- $75 market value: Roadside Assistance: You will receive a complimentary membership in the Dominion Automobile Association (DAA) and the benefits of their BMO Roadside Assistance Program (Basic Coverage). Membership terms and plan features are described here: bmo.com/roadsideassistancebasic.*
Our Cash Offer
N/A
Our Cash Offer
$120 Cash Rebate offer from FinlyWealth
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 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.
How to Earn Rewards
- 5% cash back on groceries (capped at $500 spending per statement, maximum of $25 in cashback per statement cycle)*
- 4% cash back on daily transit (capped at $300 spending per statement, maximum of $12 in cashback per statement cycle)*
- 3% cash back on gas (capped at $300 spending per statement, maximum of $9 in cashback per statement cycle)*
- 2% cash back on recurring payments (capped at $500 spending per statement, maximum of $10 in cashback per statement cycle)*
- 1% cash back 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 (64 & under)†
21 daysFlight Delay†
$500
Mobile Device Insurance†
$1,000Travel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000
Insurance Included
Lost or Stolen Baggage
$500/person, $1,000 maximum*Baggage Delay
$500/person, $1,000 maximum After 6 hours*Car Rental Damage & Theft
$65K MSRP up to 48 days*Common Carrier Travel Accident Insurance
$500,000Extended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
$1,000Travel Medical Insurance (64 & under)
$5M up to 8 days per covered person*Flight Delay
$500 After 4 hours delay*
Extra Benefits
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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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.svg)
Free first checked bag†
First checked bag is free for primary cardholder on Aircanada flights and up to 8 guests
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 years
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
Car Rental Discount
Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool.*
Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.*
Roadside Assistance
Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing – a $75/year value.*
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
23.99%
Balance Transfer:
23.99%
Annual Fee
$139
$0$
$0 first year
Annual Fee
$139
$0$
$0 first year
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Flights
1.9¢ / 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?
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?
If you're seeking a cashback credit card, the BMO CashBack® World Elite® Mastercard® stands out for its excellent balance between rewards and benefits. It offers a robust rewards program and a comprehensive benefits list, making it a solid choice. The high first-year value is enhanced by the annual fee waiver, and those with a BMO Premium Chequing Account can enjoy continued fee waivers. While it's highly ranked for rewards alone, it may not be the absolute top choice if benefits are less important to you.
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Pros
- Impressive cashback rates
- Rare roadside assistance
- Comprehensive insurance and benefits
- High first-year value
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Cons
- Lacks restaurant optimization
- Low monthly cashback caps
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Legal
†Terms and conditions apply.
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*Terms and conditions apply
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