TD Aeroplan® Visa Infinite* Card vs TD Platinum Travel Visa* Card
Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.
Welcome bonus
Each offer as the issuer words it. The numbers below show whether your spending reaches it.
The offer
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Offer may be changed, withdrawn or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Earn up to $370 in value†, including up to 50,000 TD Rewards Points† and receive an Annual Fee rebate for the first year†. Conditions apply.
- Welcome Bonus of 15,000 TD Rewards Points when you make your first Purchase with your Card†.
- 35,000 TD Rewards Points when you spend $3,000 within 180 days of Account opening†.
- 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 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
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
$335
$355
Every year after
$171
TD Aeroplan Visa Infinite is worth $1,109 more to you in year one.
It stays ahead after that, by $184 a year.
How the first year adds up
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
Annual rewards
$260.44
52,088 points a year
Welcome bonus
+ $75
first year only
Annual fee
$89− $0
$89 from year two
First-year value
$335.44
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
4.5xFood and drinks, Groceries
21,505 pts
$107.53
3xRecurring Transactions
4,631 pts
$23.16
6xExpedia
696 pts
$3.48
1.5xAll other purchases
25,256 pts
$126.28
Fees, rates and eligibility
What each card costs to hold and to use abroad, and who it's for.
Annual fee
Additional cards
Interest rates
Interest rates
Purchase:
21.99%
Cash Advance:
22.99%
Purchase:
21.99%
Cash Advance:
22.99%
Recommended credit score
Recommended credit score
Income required
Income required
Min Personal Income:
$60,000
Min Household Income:
$100,000
Min Personal Income:
N/A
Min Household Income:
N/A
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 6 TD Rewards Points† for every $1 you spend when you book travel through Expedia® For TD†.
- Earn 4.5 TD Rewards Points for every $1 you spend on Groceries and Restaurants†.
- Earn 3 TD Rewards Points for every $1 you spend on regularly recurring bill payments set up on your Account†.
- Earn 1.5 TD Rewards Points For every $1 you spend on other Purchases made using your Card†.
- Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
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
Loyalty program
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.
We count each point at 0.5¢ a point, what it's worth redeemed for Expedia® For TD, its best value. Every dollar figure above uses that value.
Point redemption options
Point redemption options
Travel
0.825¢ / point
Merchandise
0.75¢ / point
Gift Cards
0.72¢ / pointMost Optimal
Flights
1.9¢ / point
Car Rentals
0.9¢ / point
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
Insurance and perks
What both cards include comes first in each list.
Insurance
Insurance
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†
$2,500Flight Delay†
$500
Travel Medical Insurance (64 & under)†
21 daysTravel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000
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†
$2,500Flight Delay†
$500
Perks
Perks
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
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
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
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
Car Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Our take
Why we like it
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.
The TD Platinum Travel Visa* Card is a solid choice for individuals looking for travel rewards and flexibility without a high annual fee. Its first-year fee waiver, valuable welcome bonus, and comprehensive insurance package make it a strong contender in the travel card category. However, the lower point value and lack of trip cancellation insurance may be a drawback for frequent travelers.
Pros
Pros
- Decent rewards
- First-year fee rebate
- Comprehensive insurance
- Impressive travel perks
- High travel rewards
- First-year fee rebate
- No income requirements
- Comprehensive insurance
Cons
Cons
- Relatively lower reward rates
- Limited airline loyalty
- Annual fee
- Income requirements
- Low point value
- Low non-travel return
- Missing key insurance categories
More comparisons
Other cards we've put each of these up against.
vs Amex Aeroplan®
vs Amex Cobalt
vs Amex Gold
vs Amex Platinum
vs BMO CashBack World Elite
vs CIBC Aeroplan Visa Infinite
vs Rogers Red
vs Rogers Red World Elite
vs Scotia Amex Gold
vs Scotiabank Passport
vs TD Aeroplan Platinum
vs TD Aeroplan Visa Infinite Privilege
vs TD Cash Back Visa Infinite* Card
vs TD Cashback Visa
vs TD First Class Travel
vs TD Low Rate
vs TD Rewards Visa
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.
