TD® Aeroplan® Visa Platinum* Credit Card

TD® Aeroplan® Visa Platinum* Card

TD First Class Travel® Visa Infinite* Card

APPLY NOW

TD® Aeroplan® Visa Platinum* Card vs TD First Class Travel® Visa Infinite* Card

Which one is better? Both cards worked out on the same spending: rewards, welcome bonus, fees and perks, line by line.

3.6

Apply now

Our review Rewards calculator

Finly rebate

$50

4.7

Apply now Get $50 Finly rebate

Our review Rewards calculator

Welcome bonus

Each offer as the issuer words it. The numbers below show whether your spending reaches it.

The offer

Up to $500 in value^†, including up to 20,000 Aeroplan points^† could be yours and receive an Annual Fee rebate for the first year^†. Conditions Apply.

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 $1,500 within 90 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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.

Earn up to $1,400 in value^†, including up to 160,000 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 140,000 TD Rewards Points when you spend $7,500 within 180 days of Account opening^†.
Get an Annual Fee Rebate for the first year^†.
Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD.
Earn a Birthday Bonus of up to 10,000 TD Rewards points^†.
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 $277)^†.

Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.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.

$707

First-year value

$1,302

$238

Every year after

$313

TD First Class Travel is worth $595 more to you in year one.

It stays ahead after that, by $75 a year.

How the first year adds up

Annual rewards

$327.41

17,232 points a year

Welcome bonus

+ $380

first year only

Annual fee

$89− $0

$89 from year two

First-year value

$707.41

1.9¢ a pointAeroplan, redeemed for Flights

Annual rewards

$451.97

90,394 points a year

Welcome bonus

+ $800

first year only

Annual fee

$139− $0

$139 from year two

Finly rebate

+ $50

paid by FinlyWealth

First-year value

$1,301.97

0.5¢ a pointTD Rewards, redeemed for Expedia® For TD

Where each card earns

A year of your spending at each card's own reward rates, most first.

1xGroceries, Gas and Air Canada

5,448 pts

$103.51

0.66xAll other purchases

11,784 pts

$223.9

6xFood and drinks, Groceries

44,532 pts

$222.66

4xRecurring Transactions

9,600 pts

$48

Earn a Birthday Bonus of up to 10,000 TD Rewards Points

8,218 pts

$41.09

8xExpedia

1,440 pts

$7.2

2xAll other purchases

26,604 pts

$133.02

Fees, rates and eligibility

What each card costs to hold and to use abroad, and who it's for.

$89

$0 the first year

Annual fee

$139

$0 the first year

$35

Additional cards

$50 first card then $0 for more

Interest rates

Purchase:

21.99%

Cash Advance:

22.99%

Purchase:

21.99%

Cash Advance:

22.99%

Recommended credit score

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Income required

Min Personal Income:

N/A

Min Household Income:

N/A

Min Personal Income:

$60,000

Min Household Income:

$100,000

How each card earns

The earn rates and caps, as each issuer sets them.

Earn 1 point^†for every $1 spent on eligible gas, grocery and direct through Air Canada^® purchases (including Air Canada Vacations^®) made with your card
Earn 1 point^†for every $1.50 spent on all other eligible 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 Platinum* Cardholder
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.

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
Earn more at Starbucks: 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

Aeroplan

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.

TD Rewards

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

Travel

0.825¢ / point

Merchandise

0.75¢ / point

Gift Cards

0.72¢ / point

Most Optimal

Flights

1.9¢ / point

Car Rentals

0.9¢ / point

Travel

0.44¢ / point

Gift Cards

0.25¢ / point

Merchandise

0.225¢ / point

Most 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

Lost or Stolen Baggage^†

$1,000

Baggage Delay^†

$1,000

Car Rental Damage & Theft^†

yes

Common Carrier Travel Accident Insurance^†

$500,000

Extended Warranty^†

Up to 1 year

Purchase Protection^†

90 days

Flight Delay^†

$500

Lost or Stolen Baggage^†

$1,000

Baggage Delay^†

$1,000

Car Rental Damage & Theft^†

yes

Common Carrier Travel Accident Insurance^†

$500,000

Extended Warranty^†

Up to 1 year

Purchase Protection^†

90 days

Flight Delay^†

$500

Mobile Device Insurance^†

$1,000

Hotel Burglary Insurance^†

$2,500

Travel Medical Insurance (64 & under)^†

21 days

Travel Medical Insurance (65 to 75)^†

4 days

Trip Cancellation^†

$1,500

Trip Interruption^†

$5,000

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

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 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Visa Infinite Exclusive Benefits^†

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

Concierge Services^†

Travel Credit^†

Get an annual TD Travel Credit of $100 when you book at Expedia For TD

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

Our take

Why we like 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. However, if you want broader reward options or higher earnings on non-Air Canada purchases, it may not be the best fit.

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

Preferred Aeroplan flight pricing
First-year fee rebate
Decent insurance
Car rental discounts
Generous intro offer

High rewards
First-year fee rebate
Extensive insurance
Annual travel credit

Cons

Lower reward rates
Limited redemption value

High income requirements
Low point value
Potentially week booking portal

More comparisons

Other cards we've put each of these up against.

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.