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TD® Aeroplan® Visa Platinum* Credit Card vs TD Cash Back Visa Infinite* Card: Which one is better?
TD® Aeroplan® Visa Platinum* Credit Card
TD Cash Back Visa Infinite* Card
Welcome Bonus
Earn a welcome bonus of 10,000 Aeroplan points when you make your first purchase with your new card. Earn an additional 10,000 Aeroplan points when you spend $1,000 within 90 days of Account opening. Get an annual fee rebate for the first year.
Welcome Bonus
3% incremental cashback on gas, groceries, and pre-authorized payments up to $145 in the first 3 months. 4% extra cashback on other purchases up to $110 in the first 3 months.
Rewards Breakdown
Annual Rewards
$358.45
Air Canada Aeroplan®
First Year Bonus Value
+
$420
Air Canada Aeroplan®
Annual Fee
-
$89
$0
First Year Waived
First Year Value
$778.45
$269.45 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
Rewards Breakdown
Annual Rewards
$368.38
First Year Bonus Value
+
$105
Annual Fee
-
$139
$0
First Year Waived
First Year Value
$473.38
$229.38 in years after
Based on a hypothetical $2,000/mo average spending. Calculate your rewards.
How to Earn Rewards
- 1.5 Aeroplan points per $1 spent on gas, groceries, Air Canada and Air Canada vacations (maximum 80,000 points annually)
- 0.66 Aeroplan point per $1 spent on all other eligible purchases
How to Earn Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
Insurance Included
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000.svg)
Car Rental Damage & Theft
yes
Extended Warranty
Up to 1 year
Purchase Protection
90 days
Travel Accident
$500,000Flight Delay
$500
Insurance Included
Lost or Stolen Baggage
$1000Baggage Delay
$1000Car Rental Damage & Theft
IncludedExtended Warranty
1 yearPurchase Protection
90 days
Mobile Device Insurance
$1000
Emergency Out of province Medical
$2M, 10 daysEmergency Medical Over 65
$2M, 4 days
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car
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 170 online retailers through the Aeroplan eStore
Extra Benefits
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A CarExtra points
Earn 50% more Stars at participating Starbucks stores
Visa Infinite Exclusive Benefits
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Concierge Services
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)- 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
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
22.99%
Annual Fee
$89
$0$
First Year Waived
Annual Fee
$139
$0$
First Year Waived
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
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
2.1¢ / 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 Platinum Card* is a solid option for individuals who frequently fly with Air Canada and want a low-fee entry into the Aeroplan rewards program. With a first-year fee waiver, 20,000-point welcome bonus, and 12 types of insurance, it offers good value for occasional travelers. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.
Is this card worth it?
We actually don't recommend this card much. For an annual fee, the rewards earned are very mediocre, and the benefit coverage leaves much to be desired. The only notable benefit is the roadside assistance, which can be covered by an alternative, better credit card.
Pros
- Up to 20,000 Aeroplan Points welcome bonus.
- Earn 1 point per $1 on gas, groceries, and Air Canada purchases.
- Preferred Pricing on Aeroplan flight rewards.
- Includes 12 types of insurance for added travel protection.
Pros
- The roadside assistance benefit is nice.
Cons
- Rewards value is best redeemed for Air Canada flights.
- Lower points earning rate of 1 point per $1.50 on other purchases.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
