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Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSTD First Class Travel® Visa Infinite* Card
Which one is better?
TD Aeroplan® Visa Infinite* Card
4.2
TD First Class Travel® Visa Infinite* Card
4.7
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 $1,400 in value†, including up to 165,000 TD Rewards Points, receive an annual fee rebate for the first year† and additional travel benefits. Conditions Apply. - Earn a welcome Bonus of 20,000 TD Rewards Points when you make your first Purchase with your Card†. - Earn 145,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening†. - Earn a Birthday Bonus of up to 10,000 TD Rewards points†. - Get an annual TD Travel Credit† of $100 when you book at Expedia® For TD. - Get an Annual Fee Rebate for the first year†. - Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $285)†. 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 Additional Cardholder(s) first-year annual fee rebate, you must add your Additional Cardholder(s) 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 Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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
$446.09
TD Rewards
First Year Bonus Value
+
$825
TD Rewards
Annual Fee
-
$139
$0
First Year Rebated
First Year Value
$1,271.09
$307.09 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 8 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†
- Earn 6 TD Rewards Points† for every $1 you spend on Groceries, Dining, and Public Transit†
- Earn 4 TD Rewards Points† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media†
- Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card† plus earn an annual Birthday Bonus† of up to 10,000 TD Rewards Points
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
Mobile Device Insurance†
$1,000
Extended Warranty†
1 year
Purchase Protection†
90 days
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Insurance Included
Lost or Stolen Baggage†
$1,000Baggage Delay†
$1,000Car Rental Damage & Theft†
yesCommon Carrier Travel Accident Insurance†
$500,000Mobile Device Insurance†
$1,000Extended Warranty†
Up to 1 yearPurchase Protection†
90 daysHotel Burglary Insurance†
$2,500Travel Medical Insurance†
21 daysTravel Medical Insurance (65+)†
4 daysTrip Cancellation†
$1,500Trip Interruption†
$5,000Flight Delay†
$500
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
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
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
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 and 50% more Aeroplan points at participating Starbucks storesGolf 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†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Birthday Bonus†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points.svg)
Travel Credit†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
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
Point Redemption Options
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Aeroplan® Flights
2¢ / pointCar Rentals
0.9¢ / point
Point Redemption Options
Travel
0.44¢ / pointGift Cards
0.25¢ / pointMerchandise
0.225¢ / pointMost Optimal
Expedia® For TD
0.5¢ / point
Education
0.4¢ / point
Amazon.ca
0.33¢ / point
Statement Credits (Cash)
0.25¢ / 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 TD First Class Travel Visa Infinite Card is an excellent option for frequent travelers who book through Expedia For TD and want to maximize rewards on travel purchases. The high welcome bonus and extensive insurance coverage make this card stand out. However, the high income requirements and limited value of TD points may not make it the best fit for everyone.
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Cons
- High income requirements
- Low point value
- Potentially week booking portal
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vs TD Platinum Travel Visa* Card
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vs MBNA Rewards World Elite® Mastercard®
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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.