Working hard in the background...
Side by Side Credit Cards Comparison
TD Aeroplan® Visa Infinite* CardVSTD Low Rate Visa* Credit Card
Which one is better?
TD Aeroplan® Visa Infinite* Card
4.5
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
TD Low Rate Visa* Credit Card
4.1
RECOMMENDED CREDIT SCORE*
300Poor
560⁎Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
Up to $1,450 in value† including up to 45,000 Aeroplan points† could be yours and 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 20,000 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)†.
- Plus, share free first checked bags with 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 and you must add your Additional Cardholders 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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.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 a 0% promotional interest rate on Purchases for the first 6 months† from Account opening. Conditions Apply. Offer effective as of June 4, 2025.
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
Feel prepared, even during uncertain times. The TD Low Rate Visa* Card is an option if you’re carrying a balance or if you need to finance bigger or unexpected purchases. We’re ready to help you move forward.
- Save on interest with a low annual interest rate of 12.90%† for Purchases and Cash Advance transactions.
- Option to purchase Travel Medical Insurance† and Trip Cancellation/Trip Interruption Insurance†.
- Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
- Enjoy all of the benefits of your TD Low Rate Visa* Card when using Apple Pay† or Samsung Pay†. It's an easy and secure way to pay.
Insurance Included
Extended Warranty†
1 year
Purchase Protection†
90 days
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
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
Extended Warranty†
1 yearPurchase Protection†
90 days
Extra Benefits
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
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†
.svg)
Concierge Services†
.svg)
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
Extra points†
Earn more Starbucks Stars at participating Starbucks® stores. Conditions apply.
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
12.90%
Cash Advance:
12.90%
Annual Fee
$139
$0$
First Year Rebated
Annual Fee
$25
Income Required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Loyalty Program
Loyalty Program
N/A
Point Redemption Options
Most Optimal
Aeroplan® 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?
A low-interest credit card in case you want to carry a balance every month. For people who don't have a balance right now but will in the future, the promotional interest rate is a nice benefit of this card.
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
Pros
- Low annual fee
- Lower annual interest rate
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
Cons
- No rewards
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Platinum Travel Visa* Card
vs TD® Aeroplan® Visa Infinite Privilege* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs American Express Platinum Card®
vs American Express® Aeroplan®* Card
vs CIBC Aeroplan® Visa Infinite* Card
vs BMO CashBack® World Elite® Mastercard®
vs TD First Class Travel® Visa Infinite* Card
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Passport® Visa Infinite* Card
vs Scotiabank Gold American Express® Card
vs Rogers Red Mastercard
vs American Express Cobalt® Card
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.