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Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSTD Cash Back Visa Infinite* Card
Which one is better?
TD Aeroplan® Visa Infinite* Card
4.2
TD Cash Back Visa Infinite* Card
3.9
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 $600 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. - Bonus Eligible Purchases are Grocery, Gas & Electric Vehicle Charging, Public Transit, Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases, until a total collective spend of $3,500 of such purchases have been made†. - 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost†. - Get an annual fee rebate for the first year†. 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 first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder 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 Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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
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
$376.14
First Year Bonus Value
+
$105
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$481.14
$237.14 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
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
- Earn 1% in Cash Back Dollars on all other Purchases
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
Insurance Included
Lost or Stolen Baggage†
$1,000
Baggage Delay†
$1,000.svg)
Car Rental Damage & Theft†
yes
Mobile Device Insurance†
$1,000
Extended Warranty†
1 year
Purchase Protection†
90 days
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Common Carrier Travel Accident Insurance†
$500,000
Hotel Burglary Insurance†
$2,500
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Insurance Included
Lost or Stolen Baggage†
$1000Baggage Delay†
$1000Car Rental Damage & Theft†
IncludedMobile Device Insurance†
$1000Extended Warranty†
1 yearPurchase Protection†
90 daysTravel Medical Insurance†
$2M, 10 daysTravel Medical Insurance (65+)†
$2M, 4 days
Extra Benefits
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Visa Infinite Exclusive Benefits†
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Concierge Services†
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
Trip and legal Assistance†
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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
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†
10% off base rate of Avis Rent A Car and Budget Rent A CarVisa Infinite Exclusive Benefits†
Concierge Services†
Extra points†
Earn 50% more Stars at participating Starbucks stores
Roadside Assistance†
Free Deluxe TD Auto Club membership (24 hour emergency Road services)
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$139
$0$
First Year Rebated
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Aeroplan® Flights
2¢ / 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?
This is a great keeper card, especially for recurring bills and subscriptions. A main notable benefit is the roadside assistance, which is a great valuable perk to have.
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Pros
- Roadside assistance
- First-year fee rebate
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Cons
- Low base earn rate
- Basic travel insurance
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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.
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.