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Side by Side Credit Cards Comparison
TD First Class Travel® Visa Infinite* CardVSCIBC Aeroplan® Visa Infinite* Card
Which one is better?
TD First Class Travel® Visa Infinite* Card
4.7
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
CIBC Aeroplan® Visa Infinite* Card
3.3
RECOMMENDED CREDIT SCORE
300Poor
560Fair
660Good
725⁎Very Good
760⁎Excellent
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 $277)†.
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Offer may be changed, withdrawn, or extended at any time and cannot be combined with any other offer unless otherwise indicated.
Welcome Bonus
- 10,000 Aeroplan points when you make your first purchase.
- 20,000 Aeroplan points when you spend $6,000 or more during the first 6 statements periods.
- 20,000 Aeroplan points as an additional anniversary bonus when you have at least $12,000 in net purchases posted on your account during the first 12 monthly statement periods.
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 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.
How to Earn Rewards
- 1.5 Aeroplan® points per $1 spent on eligible gas, electric vehicle charging, groceries and with Air Canada directly, including through Air Canada Vacations®
- 1 Aeroplan® point per $1 spent on all other purchases
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†
Up to 1 year
Purchase Protection†
90 days
Hotel Burglary Insurance†
$2,500
Travel Medical Insurance (64 & under)†
21 daysTravel Medical Insurance (65 to 75)†
4 days
Trip Cancellation†
$1,500
Trip Interruption†
$5,000Flight Delay†
$500
Insurance Included
Lost or Stolen Baggage
$500Baggage Delay
$500Car 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 (64 & under)
15 daysTravel Medical Insurance (65 to 75)
3 daysTrip Cancellation
$1,500Trip Interruption
$2,000Flight 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†
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)
Concierge Services†
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..svg)
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
Extra Benefits
Car Rental Discount
Get up to 25% off auto rentals at participating Avis and Budget locations worldwide.Visa Infinite Exclusive Benefits
Exclusive offers.svg)
Gas Discount
save up to 10¢/L on fuel at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations
Discount
Primary cardholders can often book flight rewards for even fewer points.svg)
Status lift
Reach Aeroplan Elite Status sooner: Earn 1,000 Status Qualifying Miles and 1 Status Qualifying Segment for every $10,000 in eligible purchases made on your card.svg)
Free first checked bag
Enjoy a free first checked bag for you, authorized users and up to 8 companions every time you fly with Air Canada
Free Extra Night at Hotels
Extra night free for every 3 hotel nights redeemed with Aeroplan points
Interest Rates
Purchase:
21.99%
Cash Advance:
22.99%
Interest Rates
Purchase:
20.99%
Cash Advance:
22.99%
Balance Transfer:
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
0.44¢ / point
Gift Cards
0.25¢ / point
Merchandise
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
Point Redemption Options
Travel
0.825¢ / pointMerchandise
0.75¢ / pointGift Cards
0.72¢ / point
Flights
1.9¢ / pointCar Rentals
0.9¢ / point
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.
Is this card worth it?
The CIBC Aeroplan Visa Infinite Card is great for Air Canada travelers who want to rack up Aeroplan points and enjoy perks like free checked bags and preferred pricing on flight redemptions. With solid reward rates in key spending categories like gas, groceries, and Air Canada purchases, this card offers decent returns. Additionally, the first-year annual fee waiver and comprehensive travel insurance make it a solid option for those looking for value without the upfront cost. However, its highest value is for people who frequently travel with Air Canada and make use of Aeroplan rewards, especially for flights.
Pros
- High rewards
- First-year fee rebate
- Extensive insurance
- Annual travel credit
Pros
- Generous welcome bonus
- High reward rates
- Air Canada perks
- Aeroplan flight preferred pricing
Cons
- High income requirements
- Low point value
- Potentially week booking portal
Cons
- Income requirements
- Limited redemption value
vs TD Rewards Visa* Card
vs TD® Aeroplan® Visa Platinum* Card
vs TD Platinum Travel Visa* Card
vs TD Low Rate Visa* Credit Card
vs TD Cash Back Visa Infinite* Card
vs TD Cash Back Visa* Card
vs TD® Aeroplan® Visa Infinite Privilege* Credit Card
vs MBNA Rewards World Elite® Mastercard®
vs American Express Gold Rewards Card®
vs Rogers Red World Elite® Mastercard
vs Scotiabank Passport® Visa Infinite* Card
vs TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
vs American Express® Aeroplan®* Reserve Card
vs American Express® Aeroplan®* Card
vs CIBC Costco Mastercard
vs SimplyCash™ Preferred Card from American Express
vs Simplii Financial™ Cash Back Visa* 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 TD Aeroplan® Visa Infinite* Card
vs American Express Cobalt® Card
Legal
†Terms and conditions apply.
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