TD Aeroplan® Visa Infinite* Card

Rogers Red World Elite® Mastercard

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TD Aeroplan® Visa Infinite* Card vs Rogers Red World Elite® Mastercard

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

4.5

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4.5

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Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Bank may have varied Welcome Bonus offers from time to time. Visit their compare cards page to learn more.

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

$360

$355

Every year after

$360

TD Aeroplan Visa Infinite is worth $1,084 more to you in year one.

From year two, Rogers Red World Elite pulls ahead by $5 a year.

How the first year adds up

Rogers Red World Elite

Rogers, Fido, Shaw or Comwave customer?

Eligible customers unlock boosted rewards on this card

+$120

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

1.9¢ a pointAeroplan, redeemed for Flights

Annual rewards

$360

cash back a year

Welcome bonus

+ $0

no welcome offer

Annual fee

− $0

no annual fee

First-year value

$360

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

1.5%All other purchases

$360

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$139

$0 the first year

Annual fee

$75

Additional cards

Interest rates

Purchase:

21.99%

Cash Advance:

22.99%

Purchase:

21.99% - 25.99%²

Cash Advance:

22.99% - 27.99%²

Balance Transfer:

22.99% - 27.99%²

² Standard rate on Purchases and Fees: 21.99%. Standard rate on Cash Advances, Cash-like Transactions and Balance Transfers: 22.99%. If you are not approved for an Account at the above rates and you reside outside Quebec, Rogers Bank may still issue you an Account at their alternate interest rates, as follows: Rate for Purchases and Fees: 25.99% Rate for Cash Advances, Cash-like Transactions and Balance Transfers: 27.99%.

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

$60,000

Min Household Income:

$100,000

Min Personal Income:

$80,000

Min Household Income:

$150,000

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.

Earn 2% cash back on all eligible non-U.S. dollar purchases if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. Otherwise, earn 1.5% cash back on eligible non-U.S. dollar purchases.
Plus, earn up to 3% cash back on eligible U.S. dollar 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

Aeroplan

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.

Cash back: every dollar it earns counts as a dollar, so there's nothing to convert.

Point redemption options

Most Optimal

Flights

1.9¢ / point

Car Rentals

0.9¢ / point

Travel

0.825¢ / point

Merchandise

0.75¢ / point

Gift Cards

0.72¢ / point

Nothing to redeem: it pays cash back.

Insurance and perks

What both cards include comes first in each list.

Insurance

Car Rental Damage & Theft^†

yes

Extended Warranty^†

1 year

Purchase Protection^†

90 days

Travel Medical Insurance (64 & under)^†

21 days

Travel Medical Insurance (65 to 75)^†

4 days

Trip Cancellation^†

$1,500

Trip Interruption^†

$5,000

Lost or Stolen Baggage^†

$1,000

Baggage Delay^†

$1,000

Common Carrier Travel Accident Insurance^†

$500,000

Mobile Device Insurance^†

$1,000

Hotel Burglary Insurance^†

$2,500

Flight Delay^†

$500

Car Rental Damage & Theft

31 days, $65,000 car MSRP

Extended Warranty

1 year

Purchase Protection

90 days

Travel Medical Insurance (64 & under)

Up to 10 days

Travel Medical Insurance (65 to 75)

Up to 3 days

Trip Cancellation

$1,000/person, $5,000 maximum

Trip Interruption

$1,000/person, $5,000 maximum

Perks

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^†

Concierge Services^†

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

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

Airport Lounge - Dragon Pass

Discounted access to over 1300 airport lounges with Mastercard Travel Pass. Pass only, complimentary visits not included.

Roam Like Home Days

Get 5 Roam Like Home days at no cost, every year, with an eligible Rogers mobile plan.

Our take

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.

This card is one of the best in Canada, especially if you have 1 qualifying service with Rogers, Fido, Shaw or Comwave. With a qualifying service, you can effectively receive up to 2% cashback rate, which competitive against other no-fee contenders. Additionally, for a no-fee card, you gain access to an extensive list of travel benefits, many of which are typically offered only with cards that have annual fees. Therefore, we recommend this card to anyone who meets the income requirements, even if you are not a Rogers customer!

Pros

Decent rewards
First-year fee rebate
Comprehensive insurance
Impressive travel perks

Top no-fee contender
Member earning boosts
USD optimization
Comprehensive coverage
Airport lounge membership
Roam Like Home days

Cons

Relatively lower reward rates
Limited airline loyalty
Annual fee
Income requirements

High income requirements
Annual spending caps

More comparisons

Other cards we've put each of these up against.

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.

Rogers Bank is not responsible for maintaining or controlling the accuracy of the information published on this website. For full and up-to-date product information and applicable terms and conditions, visit Rogersbank.com. ®/TM Mastercard, World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Used under License. TM Rogers and Mobius Design, Rogers Bank and related marks, logos and brand names are trademarks of Rogers Communications Inc., or an affiliate, used under license. © 2026 Rogers Bank. Rogers Bank is the issuer of this credit card.